Home > The Bank of Texas > Performance and Condition Ratios
The Bank of Texas, 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 | 4.8749% | 3,659 |
| Cost of funding earning assets | 0.7306% | 5,591 |
| Net interest margin | 4.1443% | 2,291 |
| Noninterest income to average assets | 1.2745% | 797 |
| Noninterest expense to average assets | 9.1533% | 87 |
| Loan and lease loss provision to assets | 0.4346% | 2,306 |
| Net operating income to assets | -4.9406% | 7,375 |
| Return on assets (ROA) | -4.9406% | 7,375 |
| Pretax return on assets | -4.9406% | 7,376 |
| Return on Equity (ROE) | -58.4654% | 7,315 |
| Retained earnings to average equity (ytd only) | -58.4654% | 7,312 |
| Net charge-offs to loans | 0.9900% | 1,628 |
| Credit loss provision to net charge-offs | 78.3654% | 4,192 |
| Earnings coverage of net charge-offs (x) | -8.1249% | 6,128 |
| Efficiency ratio | 196.9593% | 54 |
| Assets per employee ($millions) | 2.0652% | 7,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7851% | 2,997 |
| Loan loss allowance to noncurrent loans | 1,912.0000% | 212 |
| Noncurrent assets plus other real estate owned to assets | 2.8126% | 2,309 |
| Noncurrent loans to loans | 0.0934% | 6,698 |
| Net loans and leases to total assets | 55.3663% | 4,946 |
| Net loans and leases to deposits | 63.6271% | 5,220 |
| Net loans and leases to core deposits | 66.8386% | 5,327 |
| Total domestic deposits to total assets | 87.0168% | 2,651 |
| Equity capital to assets | 6.2947% | 7,156 |
| Core capital (leverage) ratio | 5.9536% | 7,147 |
| Tier 1 risk-based capital ratio | 9.2814% | 7,084 |
| Total risk-based capital ratio | 10.5355% | 7,078 |
| Memoranda: | ||
| Average total assets | $50,006,000 | 6,419 |
| Average earning assets | $40,697,250 | 6,558 |
| Average equity | $4,225,750 | 6,732 |
| Average total loans | $28,011,750 | 6,301 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7887% | 4,140 |
| Cost of funding earning assets | 0.7452% | 5,701 |
| Net interest margin | 4.0434% | 2,637 |
| Noninterest income to average assets | 1.4398% | 615 |
| Noninterest expense to average assets | 5.6135% | 251 |
| Loan and lease loss provision to assets | 0.5232% | 1,873 |
| Net operating income to assets | -1.3886% | 7,066 |
| Return on assets (ROA) | -1.3886% | 7,075 |
| Pretax return on assets | -1.3886% | 7,028 |
| Return on Equity (ROE) | -15.2232% | 7,072 |
| Retained earnings to average equity (ytd only) | -15.2232% | 7,045 |
| Net charge-offs to loans | 1.4073% | 1,077 |
| Credit loss provision to net charge-offs | 66.5000% | 4,161 |
| Earnings coverage of net charge-offs (x) | -1.1000% | 5,649 |
| Efficiency ratio | 118.2270% | 358 |
| Assets per employee ($millions) | 2.2255% | 7,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6596% | 3,455 |
| Loan loss allowance to noncurrent loans | 178.8235% | 1,687 |
| Noncurrent assets plus other real estate owned to assets | 4.8998% | 1,253 |
| Noncurrent loans to loans | 0.9280% | 5,113 |
| Net loans and leases to total assets | 52.7898% | 5,465 |
| Net loans and leases to deposits | 60.8252% | 5,634 |
| Net loans and leases to core deposits | 63.6642% | 5,762 |
| Total domestic deposits to total assets | 86.7894% | 2,862 |
| Equity capital to assets | 8.7758% | 5,844 |
| Core capital (leverage) ratio | 9.0047% | 4,716 |
| Tier 1 risk-based capital ratio | 13.3979% | 4,614 |
| Total risk-based capital ratio | 14.6498% | 4,597 |
| Memoranda: | ||
| Average total assets | $50,841,330 | 6,455 |
| Average earning assets | $41,598,330 | 6,581 |
| Average equity | $4,637,670 | 6,641 |
| Average total loans | $28,423,330 | 6,347 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8541% | 3,800 |
| Cost of funding earning assets | 0.7755% | 5,708 |
| Net interest margin | 4.0786% | 2,350 |
| Noninterest income to average assets | 1.3894% | 674 |
| Noninterest expense to average assets | 5.7471% | 223 |
| Loan and lease loss provision to assets | 1.0500% | 714 |
| Net operating income to assets | -2.0446% | 7,288 |
| Return on assets (ROA) | -2.0446% | 7,287 |
| Pretax return on assets | -2.0446% | 7,260 |
| Return on Equity (ROE) | -21.9934% | 7,244 |
| Retained earnings to average equity (ytd only) | -21.9934% | 7,192 |
| Net charge-offs to loans | 2.1871% | 564 |
| Credit loss provision to net charge-offs | 84.1772% | 3,061 |
| Earnings coverage of net charge-offs (x) | -0.7975% | 4,870 |
| Efficiency ratio | 120.9302% | 334 |
| Assets per employee ($millions) | 2.0017% | 7,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7805% | 3,068 |
| Loan loss allowance to noncurrent loans | 42.2392% | 5,482 |
| Noncurrent assets plus other real estate owned to assets | 5.4934% | 1,105 |
| Noncurrent loans to loans | 4.2154% | 1,695 |
| Net loans and leases to total assets | 54.8959% | 5,181 |
| Net loans and leases to deposits | 63.5432% | 5,321 |
| Net loans and leases to core deposits | 66.5851% | 5,453 |
| Total domestic deposits to total assets | 86.3914% | 3,292 |
| Equity capital to assets | 9.1523% | 4,954 |
| Core capital (leverage) ratio | 9.0936% | 4,461 |
| Tier 1 risk-based capital ratio | 13.7669% | 4,233 |
| Total risk-based capital ratio | 14.8110% | 4,349 |
| Memoranda: | ||
| Average total assets | $50,669,000 | 6,512 |
| Average earning assets | $41,779,000 | 6,621 |
| Average equity | $4,710,500 | 6,649 |
| Average total loans | $28,896,500 | 6,377 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2311% | 3,455 |
| Cost of funding earning assets | 1.1682% | 4,748 |
| Net interest margin | 4.0629% | 2,733 |
| Noninterest income to average assets | 0.8911% | 1,882 |
| Noninterest expense to average assets | 5.8837% | 246 |
| Loan and lease loss provision to assets | 0.7222% | 2,274 |
| Net operating income to assets | -2.2026% | 7,116 |
| Return on assets (ROA) | -2.2026% | 7,129 |
| Pretax return on assets | -2.3157% | 7,116 |
| Return on Equity (ROE) | -22.2877% | 7,079 |
| Retained earnings to average equity (ytd only) | -22.2877% | 7,057 |
| Net charge-offs to loans | 1.1395% | 1,957 |
| Credit loss provision to net charge-offs | 100.2494% | 4,542 |
| Earnings coverage of net charge-offs (x) | -2.2120% | 6,712 |
| Efficiency ratio | 137.1441% | 271 |
| Assets per employee ($millions) | 2.0518% | 7,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7536% | 3,014 |
| Loan loss allowance to noncurrent loans | 111.2766% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 4.7470% | 1,380 |
| Noncurrent loans to loans | 1.5759% | 4,140 |
| Net loans and leases to total assets | 57.1214% | 5,163 |
| Net loans and leases to deposits | 66.4181% | 5,348 |
| Net loans and leases to core deposits | 69.5193% | 5,487 |
| Total domestic deposits to total assets | 86.0028% | 3,357 |
| Equity capital to assets | 9.4374% | 4,488 |
| Core capital (leverage) ratio | 9.3860% | 3,870 |
| Tier 1 risk-based capital ratio | 13.9931% | 3,881 |
| Total risk-based capital ratio | 15.2747% | 3,822 |
| Memoranda: | ||
| Average total assets | $55,662,400 | 6,351 |
| Average earning assets | $46,568,000 | 6,494 |
| Average equity | $5,500,800 | 6,506 |
| Average total loans | $35,189,800 | 6,148 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2980% | 3,367 |
| Cost of funding earning assets | 1.2636% | 4,474 |
| Net interest margin | 4.0344% | 2,938 |
| Noninterest income to average assets | 0.8105% | 2,185 |
| Noninterest expense to average assets | 5.8027% | 235 |
| Loan and lease loss provision to assets | 0.9139% | 1,656 |
| Net operating income to assets | -2.4127% | 7,329 |
| Return on assets (ROA) | -2.4127% | 7,345 |
| Pretax return on assets | -2.5231% | 7,320 |
| Return on Equity (ROE) | -24.1680% | 7,298 |
| Retained earnings to average equity (ytd only) | -24.1680% | 7,288 |
| Net charge-offs to loans | 1.3869% | 1,467 |
| Credit loss provision to net charge-offs | 102.3684% | 4,205 |
| Earnings coverage of net charge-offs (x) | -1.8026% | 6,526 |
| Efficiency ratio | 138.3754% | 254 |
| Assets per employee ($millions) | 2.0192% | 7,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7450% | 3,010 |
| Loan loss allowance to noncurrent loans | 61.4583% | 4,227 |
| Noncurrent assets plus other real estate owned to assets | 4.4400% | 1,529 |
| Noncurrent loans to loans | 2.8393% | 2,815 |
| Net loans and leases to total assets | 56.9505% | 5,417 |
| Net loans and leases to deposits | 66.2171% | 5,642 |
| Net loans and leases to core deposits | 68.8267% | 5,860 |
| Total domestic deposits to total assets | 86.0057% | 3,069 |
| Equity capital to assets | 9.6038% | 4,685 |
| Core capital (leverage) ratio | 9.2169% | 4,341 |
| Tier 1 risk-based capital ratio | 14.1723% | 3,709 |
| Total risk-based capital ratio | 15.4247% | 3,675 |
| Memoranda: | ||
| Average total assets | $56,754,000 | 6,395 |
| Average earning assets | $47,589,500 | 6,526 |
| Average equity | $5,665,750 | 6,549 |
| Average total loans | $36,531,250 | 6,173 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3783% | 3,070 |
| Cost of funding earning assets | 1.3558% | 4,158 |
| Net interest margin | 4.0224% | 2,909 |
| Noninterest income to average assets | 1.0074% | 1,362 |
| Noninterest expense to average assets | 5.1537% | 337 |
| Loan and lease loss provision to assets | 1.1724% | 1,208 |
| Net operating income to assets | -1.9425% | 7,288 |
| Return on assets (ROA) | -1.9425% | 7,296 |
| Pretax return on assets | -1.9425% | 7,220 |
| Return on Equity (ROE) | -19.2384% | 7,261 |
| Retained earnings to average equity (ytd only) | -19.2384% | 7,237 |
| Net charge-offs to loans | 0.0830% | 5,312 |
| Credit loss provision to net charge-offs | 2,131.2500% | 192 |
| Earnings coverage of net charge-offs (x) | -14.0000% | 6,335 |
| Efficiency ratio | 117.5686% | 445 |
| Assets per employee ($millions) | 2.1791% | 7,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5235% | 1,273 |
| Loan loss allowance to noncurrent loans | 51.1473% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 5.3374% | 1,175 |
| Noncurrent loans to loans | 4.9337% | 1,409 |
| Net loans and leases to total assets | 57.7475% | 5,455 |
| Net loans and leases to deposits | 74.7960% | 4,552 |
| Net loans and leases to core deposits | 81.3658% | 4,503 |
| Total domestic deposits to total assets | 77.2067% | 6,447 |
| Equity capital to assets | 9.7217% | 4,379 |
| Core capital (leverage) ratio | 9.4383% | 3,912 |
| Tier 1 risk-based capital ratio | 14.0291% | 3,712 |
| Total risk-based capital ratio | 15.2896% | 3,671 |
| Memoranda: | ||
| Average total assets | $58,172,000 | 6,384 |
| Average earning assets | $48,826,000 | 6,515 |
| Average equity | $5,873,670 | 6,504 |
| Average total loans | $38,565,000 | 6,113 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9067% | 1,189 |
| Cost of funding earning assets | 1.3912% | 4,233 |
| Net interest margin | 4.5155% | 1,107 |
| Noninterest income to average assets | 1.1336% | 968 |
| Noninterest expense to average assets | 5.0705% | 350 |
| Loan and lease loss provision to assets | 0.1086% | 5,537 |
| Net operating income to assets | -0.2783% | 6,639 |
| Return on assets (ROA) | -0.2783% | 6,698 |
| Pretax return on assets | -0.2783% | 6,615 |
| Return on Equity (ROE) | -2.7078% | 6,715 |
| Retained earnings to average equity (ytd only) | -2.7078% | 6,325 |
| Net charge-offs to loans | -0.0487% | 7,342 |
| Credit loss provision to net charge-offs | -320.0000% | 6,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.4626% | 737 |
| Assets per employee ($millions) | 2.2708% | 7,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3520% | 4,666 |
| Loan loss allowance to noncurrent loans | 57.9509% | 4,477 |
| Noncurrent assets plus other real estate owned to assets | 4.7933% | 1,375 |
| Noncurrent loans to loans | 2.3329% | 3,348 |
| Net loans and leases to total assets | 67.1076% | 3,601 |
| Net loans and leases to deposits | 86.7911% | 2,453 |
| Net loans and leases to core deposits | 94.7146% | 2,742 |
| Total domestic deposits to total assets | 77.3208% | 6,486 |
| Equity capital to assets | 10.2166% | 3,585 |
| Core capital (leverage) ratio | 9.8707% | 3,314 |
| Tier 1 risk-based capital ratio | 13.1354% | 4,245 |
| Total risk-based capital ratio | 14.3200% | 4,255 |
| Memoranda: | ||
| Average total assets | $58,929,500 | 6,433 |
| Average earning assets | $49,164,500 | 6,581 |
| Average equity | $6,056,500 | 6,500 |
| Average total loans | $41,065,000 | 6,070 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8942% | 2,264 |
| Cost of funding earning assets | 1.6843% | 4,593 |
| Net interest margin | 4.2099% | 2,031 |
| Noninterest income to average assets | 1.1383% | 1,191 |
| Noninterest expense to average assets | 5.2377% | 450 |
| Loan and lease loss provision to assets | 0.4101% | 4,350 |
| Net operating income to assets | -0.6168% | 6,286 |
| Return on assets (ROA) | -0.6168% | 6,282 |
| Pretax return on assets | -0.9138% | 6,351 |
| Return on Equity (ROE) | -6.0941% | 6,314 |
| Retained earnings to average equity (ytd only) | -6.0941% | 6,155 |
| Net charge-offs to loans | 0.3360% | 4,555 |
| Credit loss provision to net charge-offs | 181.4286% | 2,280 |
| Earnings coverage of net charge-offs (x) | -2.2286% | 7,017 |
| Efficiency ratio | 110.6412% | 786 |
| Assets per employee ($millions) | 2.1006% | 7,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2439% | 5,105 |
| Loan loss allowance to noncurrent loans | 17,400.0000% | 25 |
| Noncurrent assets plus other real estate owned to assets | 3.2184% | 2,133 |
| Noncurrent loans to loans | 0.0071% | 7,427 |
| Net loans and leases to total assets | 70.4614% | 3,140 |
| Net loans and leases to deposits | 91.2783% | 2,003 |
| Net loans and leases to core deposits | 127.4063% | 1,419 |
| Total domestic deposits to total assets | 77.1941% | 6,418 |
| Equity capital to assets | 10.3387% | 3,356 |
| Core capital (leverage) ratio | 9.8910% | 3,212 |
| Tier 1 risk-based capital ratio | 12.5804% | 4,461 |
| Total risk-based capital ratio | 13.6656% | 4,540 |
| Memoranda: | ||
| Average total assets | $61,935,800 | 6,273 |
| Average earning assets | $52,899,600 | 6,417 |
| Average equity | $6,268,400 | 6,510 |
| Average total loans | $41,668,800 | 6,027 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8449% | 2,684 |
| Cost of funding earning assets | 1.7559% | 4,613 |
| Net interest margin | 4.0889% | 2,448 |
| Noninterest income to average assets | 1.1608% | 1,173 |
| Noninterest expense to average assets | 5.0024% | 489 |
| Loan and lease loss provision to assets | 0.2381% | 5,061 |
| Net operating income to assets | -0.5697% | 6,499 |
| Return on assets (ROA) | -0.5697% | 6,492 |
| Pretax return on assets | -0.5697% | 6,368 |
| Return on Equity (ROE) | -5.6580% | 6,520 |
| Retained earnings to average equity (ytd only) | -5.6580% | 6,344 |
| Net charge-offs to loans | 0.4071% | 3,629 |
| Credit loss provision to net charge-offs | 88.1890% | 5,532 |
| Earnings coverage of net charge-offs (x) | -1.2283% | 6,669 |
| Efficiency ratio | 107.1006% | 831 |
| Assets per employee ($millions) | 2.2492% | 7,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9006% | 6,755 |
| Loan loss allowance to noncurrent loans | 2,311.7647% | 167 |
| Noncurrent assets plus other real estate owned to assets | 3.1948% | 2,122 |
| Noncurrent loans to loans | 0.0390% | 7,418 |
| Net loans and leases to total assets | 68.6652% | 3,802 |
| Net loans and leases to deposits | 87.6787% | 3,026 |
| Net loans and leases to core deposits | 122.0410% | 2,069 |
| Total domestic deposits to total assets | 78.3146% | 5,996 |
| Equity capital to assets | 9.8606% | 4,256 |
| Core capital (leverage) ratio | 9.8063% | 3,513 |
| Tier 1 risk-based capital ratio | 14.3654% | 3,348 |
| Total risk-based capital ratio | 15.2788% | 3,485 |
| Memoranda: | ||
| Average total assets | $62,715,250 | 6,287 |
| Average earning assets | $53,835,250 | 6,429 |
| Average equity | $6,315,250 | 6,550 |
| Average total loans | $41,594,500 | 6,082 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6520% | 3,806 |
| Cost of funding earning assets | 1.8679% | 4,431 |
| Net interest margin | 3.7840% | 3,616 |
| Noninterest income to average assets | 1.6127% | 576 |
| Noninterest expense to average assets | 5.2852% | 428 |
| Loan and lease loss provision to assets | 0.3002% | 4,161 |
| Net operating income to assets | -0.7121% | 6,765 |
| Return on assets (ROA) | -0.7121% | 6,764 |
| Pretax return on assets | -0.7121% | 6,613 |
| Return on Equity (ROE) | -7.0233% | 6,802 |
| Retained earnings to average equity (ytd only) | -7.0233% | 6,561 |
| Net charge-offs to loans | 0.5524% | 2,671 |
| Credit loss provision to net charge-offs | 83.1858% | 5,116 |
| Earnings coverage of net charge-offs (x) | -1.1416% | 6,258 |
| Efficiency ratio | 108.4535% | 895 |
| Assets per employee ($millions) | 2.4168% | 7,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9063% | 6,740 |
| Loan loss allowance to noncurrent loans | 58.7613% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 3.7128% | 1,653 |
| Noncurrent loans to loans | 1.5423% | 4,183 |
| Net loans and leases to total assets | 67.6921% | 4,207 |
| Net loans and leases to deposits | 86.6682% | 3,428 |
| Net loans and leases to core deposits | 126.1231% | 1,860 |
| Total domestic deposits to total assets | 78.1049% | 6,048 |
| Equity capital to assets | 9.9752% | 3,972 |
| Core capital (leverage) ratio | 9.8767% | 3,420 |
| Tier 1 risk-based capital ratio | 14.4805% | 3,256 |
| Total risk-based capital ratio | 15.3859% | 3,378 |
| Memoranda: | ||
| Average total assets | $62,627,670 | 6,348 |
| Average earning assets | $53,963,670 | 6,475 |
| Average equity | $6,350,330 | 6,591 |
| Average total loans | $40,913,670 | 6,162 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5415% | 4,682 |
| Cost of funding earning assets | 1.9532% | 4,363 |
| Net interest margin | 3.5883% | 4,366 |
| Noninterest income to average assets | 1.2923% | 853 |
| Noninterest expense to average assets | 5.4635% | 368 |
| Loan and lease loss provision to assets | 0.6014% | 2,097 |
| Net operating income to assets | -1.6698% | 7,564 |
| Return on assets (ROA) | -1.6698% | 7,563 |
| Pretax return on assets | -1.6698% | 7,430 |
| Return on Equity (ROE) | -16.3342% | 7,651 |
| Retained earnings to average equity (ytd only) | -16.3342% | 7,503 |
| Net charge-offs to loans | 0.9622% | 1,389 |
| Credit loss provision to net charge-offs | 97.9167% | 3,843 |
| Earnings coverage of net charge-offs (x) | -1.7396% | 5,453 |
| Efficiency ratio | 124.3086% | 578 |
| Assets per employee ($millions) | 2.3601% | 7,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 6,195 |
| Loan loss allowance to noncurrent loans | 36.6757% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 3.6342% | 1,462 |
| Noncurrent loans to loans | 2.7227% | 2,412 |
| Net loans and leases to total assets | 65.5976% | 4,672 |
| Net loans and leases to deposits | 84.4123% | 3,911 |
| Net loans and leases to core deposits | 126.0356% | 1,915 |
| Total domestic deposits to total assets | 77.7110% | 6,104 |
| Equity capital to assets | 10.1806% | 3,780 |
| Core capital (leverage) ratio | 9.7340% | 3,705 |
| Tier 1 risk-based capital ratio | 15.0286% | 3,057 |
| Total risk-based capital ratio | 16.0151% | 3,107 |
| Memoranda: | ||
| Average total assets | $62,523,500 | 6,379 |
| Average earning assets | $54,064,500 | 6,498 |
| Average equity | $6,391,500 | 6,619 |
| Average total loans | $39,908,500 | 6,243 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3467% | 3,711 |
| Cost of funding earning assets | 2.6451% | 3,461 |
| Net interest margin | 3.7016% | 4,465 |
| Noninterest income to average assets | 1.2886% | 887 |
| Noninterest expense to average assets | 4.7002% | 765 |
| Loan and lease loss provision to assets | 0.1460% | 5,492 |
| Net operating income to assets | -0.2728% | 6,707 |
| Return on assets (ROA) | -0.2728% | 6,553 |
| Pretax return on assets | -0.3980% | 6,545 |
| Return on Equity (ROE) | -2.5921% | 6,574 |
| Retained earnings to average equity (ytd only) | -2.5921% | 6,016 |
| Net charge-offs to loans | 0.0365% | 6,292 |
| Credit loss provision to net charge-offs | 650.0000% | 653 |
| Earnings coverage of net charge-offs (x) | -11.2143% | 6,906 |
| Efficiency ratio | 105.6638% | 817 |
| Assets per employee ($millions) | 2.3587% | 7,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0419% | 5,700 |
| Loan loss allowance to noncurrent loans | 24.7573% | 7,017 |
| Noncurrent assets plus other real estate owned to assets | 3.9821% | 1,036 |
| Noncurrent loans to loans | 4.2085% | 1,158 |
| Net loans and leases to total assets | 60.8479% | 5,787 |
| Net loans and leases to deposits | 77.8774% | 5,360 |
| Net loans and leases to core deposits | 118.2767% | 2,855 |
| Total domestic deposits to total assets | 78.1330% | 5,670 |
| Equity capital to assets | 10.2630% | 3,745 |
| Core capital (leverage) ratio | 10.2321% | 3,232 |
| Tier 1 risk-based capital ratio | 15.0542% | 3,017 |
| Total risk-based capital ratio | 16.0072% | 3,092 |
| Memoranda: | ||
| Average total assets | $62,316,400 | 6,306 |
| Average earning assets | $53,193,200 | 6,457 |
| Average equity | $6,558,400 | 6,619 |
| Average total loans | $38,314,000 | 6,254 |