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The First Bremen Bank, Performance and Condition Ratios
| 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 | 6.7535% | 1,850 |
| Cost of funding earning assets | 2.8308% | 2,581 |
| Net interest margin | 3.9227% | 3,472 |
| Noninterest income to average assets | 0.5180% | 4,485 |
| Noninterest expense to average assets | 2.5209% | 5,931 |
| Loan and lease loss provision to assets | 0.3483% | 3,613 |
| Net operating income to assets | 0.9922% | 2,591 |
| Return on assets (ROA) | 0.9922% | 2,470 |
| Pretax return on assets | 1.3969% | 1,979 |
| Return on Equity (ROE) | 9.7626% | 2,341 |
| Retained earnings to average equity (ytd only) | 4.8227% | 2,131 |
| Net charge-offs to loans | 0.4194% | 2,721 |
| Credit loss provision to net charge-offs | 110.5578% | 4,877 |
| Earnings coverage of net charge-offs (x) | 5.5398% | 3,613 |
| Efficiency ratio | 59.0909% | 6,516 |
| Assets per employee ($millions) | 4.8818% | 2,072 |
| Cash dividends to net income (ytd only)* | 50.6009% | 3,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 5,766 |
| Loan loss allowance to noncurrent loans | 75.3437% | 4,304 |
| Noncurrent assets plus other real estate owned to assets | 1.1095% | 4,060 |
| Noncurrent loans to loans | 1.3687% | 3,781 |
| Net loans and leases to total assets | 75.5849% | 2,734 |
| Net loans and leases to deposits | 86.8001% | 3,991 |
| Net loans and leases to core deposits | 106.1084% | 4,186 |
| Total domestic deposits to total assets | 87.0793% | 1,899 |
| Equity capital to assets | 10.2391% | 3,764 |
| Core capital (leverage) ratio | 10.1917% | 3,282 |
| Tier 1 risk-based capital ratio | 12.9406% | 4,143 |
| Total risk-based capital ratio | 13.9514% | 4,205 |
| Memoranda: | ||
| Average total assets | $318,699,200 | 2,096 |
| Average earning assets | $304,509,200 | 2,004 |
| Average equity | $32,388,800 | 2,093 |
| Average total loans | $239,382,800 | 1,974 |