Home > The RiverBank > Performance and Condition Ratios
The RiverBank, 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 | 4.9955% | 3,101 |
| Cost of funding earning assets | 1.2832% | 1,795 |
| Net interest margin | 3.7123% | 4,281 |
| Noninterest income to average assets | 0.9953% | 1,353 |
| Noninterest expense to average assets | 6.1142% | 188 |
| Loan and lease loss provision to assets | 1.2851% | 585 |
| Net operating income to assets | -3.2729% | 7,294 |
| Return on assets (ROA) | -3.2729% | 7,296 |
| Pretax return on assets | -3.2729% | 7,290 |
| Return on Equity (ROE) | -142.5769% | 7,408 |
| Retained earnings to average equity (ytd only) | -142.5769% | 7,408 |
| Net charge-offs to loans | 1.0427% | 1,533 |
| Credit loss provision to net charge-offs | 168.8247% | 1,791 |
| Earnings coverage of net charge-offs (x) | -2.6115% | 6,049 |
| Efficiency ratio | 148.1743% | 148 |
| Assets per employee ($millions) | 3.7475% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0923% | 362 |
| Loan loss allowance to noncurrent loans | 30.2733% | 6,235 |
| Noncurrent assets plus other real estate owned to assets | 17.4067% | 87 |
| Noncurrent loans to loans | 13.5178% | 183 |
| Net loans and leases to total assets | 67.3008% | 2,612 |
| Net loans and leases to deposits | 73.5387% | 3,717 |
| Net loans and leases to core deposits | 75.0564% | 4,316 |
| Total domestic deposits to total assets | 91.5175% | 293 |
| Equity capital to assets | 1.1353% | 7,417 |
| Core capital (leverage) ratio | 0.8089% | 7,426 |
| Tier 1 risk-based capital ratio | 1.0642% | 7,426 |
| Total risk-based capital ratio | 2.1284% | 7,426 |
| Memoranda: | ||
| Average total assets | $424,768,250 | 1,545 |
| Average earning assets | $358,261,250 | 1,655 |
| Average equity | $9,750,750 | 5,109 |
| Average total loans | $310,093,750 | 1,378 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0005% | 3,154 |
| Cost of funding earning assets | 1.3423% | 1,690 |
| Net interest margin | 3.6582% | 4,483 |
| Noninterest income to average assets | 1.1040% | 1,064 |
| Noninterest expense to average assets | 6.3206% | 172 |
| Loan and lease loss provision to assets | 1.6785% | 404 |
| Net operating income to assets | -3.8147% | 7,380 |
| Return on assets (ROA) | -3.8147% | 7,381 |
| Pretax return on assets | -3.8147% | 7,376 |
| Return on Equity (ROE) | -142.5433% | 7,466 |
| Retained earnings to average equity (ytd only) | -142.5433% | 7,466 |
| Net charge-offs to loans | 0.8925% | 1,741 |
| Credit loss provision to net charge-offs | 254.3710% | 1,191 |
| Earnings coverage of net charge-offs (x) | -3.2374% | 5,759 |
| Efficiency ratio | 151.0536% | 148 |
| Assets per employee ($millions) | 3.8650% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1177% | 381 |
| Loan loss allowance to noncurrent loans | 29.9702% | 6,261 |
| Noncurrent assets plus other real estate owned to assets | 18.4439% | 84 |
| Noncurrent loans to loans | 13.7392% | 173 |
| Net loans and leases to total assets | 70.0439% | 2,211 |
| Net loans and leases to deposits | 77.0761% | 3,283 |
| Net loans and leases to core deposits | 83.2659% | 3,326 |
| Total domestic deposits to total assets | 90.8763% | 553 |
| Equity capital to assets | 1.7000% | 7,486 |
| Core capital (leverage) ratio | 1.3156% | 7,492 |
| Tier 1 risk-based capital ratio | 1.7143% | 7,490 |
| Total risk-based capital ratio | 2.9957% | 7,490 |
| Memoranda: | ||
| Average total assets | $426,450,000 | 1,551 |
| Average earning assets | $359,087,000 | 1,665 |
| Average equity | $11,412,670 | 4,712 |
| Average total loans | $315,281,670 | 1,368 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1259% | 2,532 |
| Cost of funding earning assets | 1.3881% | 1,674 |
| Net interest margin | 3.7378% | 3,900 |
| Noninterest income to average assets | 1.0562% | 1,179 |
| Noninterest expense to average assets | 3.5474% | 1,881 |
| Loan and lease loss provision to assets | 3.3218% | 138 |
| Net operating income to assets | -2.6740% | 7,368 |
| Return on assets (ROA) | -2.6740% | 7,369 |
| Pretax return on assets | -2.6740% | 7,349 |
| Return on Equity (ROE) | -84.9164% | 7,485 |
| Retained earnings to average equity (ytd only) | -84.9164% | 7,478 |
| Net charge-offs to loans | 0.3445% | 2,682 |
| Credit loss provision to net charge-offs | 1,296.7391% | 308 |
| Earnings coverage of net charge-offs (x) | 2.5290% | 3,070 |
| Efficiency ratio | 84.5575% | 1,891 |
| Assets per employee ($millions) | 3.7653% | 4,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3152% | 346 |
| Loan loss allowance to noncurrent loans | 35.9891% | 5,899 |
| Noncurrent assets plus other real estate owned to assets | 17.9924% | 88 |
| Noncurrent loans to loans | 11.9904% | 279 |
| Net loans and leases to total assets | 69.4841% | 2,226 |
| Net loans and leases to deposits | 77.0282% | 3,248 |
| Net loans and leases to core deposits | 83.5893% | 3,222 |
| Total domestic deposits to total assets | 90.2060% | 1,020 |
| Equity capital to assets | 2.7863% | 7,491 |
| Core capital (leverage) ratio | 2.4780% | 7,501 |
| Tier 1 risk-based capital ratio | 3.1594% | 7,516 |
| Total risk-based capital ratio | 4.4431% | 7,515 |
| Memoranda: | ||
| Average total assets | $430,966,500 | 1,541 |
| Average earning assets | $361,927,000 | 1,661 |
| Average equity | $13,571,000 | 4,198 |
| Average total loans | $320,457,000 | 1,366 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9718% | 4,684 |
| Cost of funding earning assets | 1.6640% | 1,757 |
| Net interest margin | 3.3078% | 5,956 |
| Noninterest income to average assets | 1.4411% | 691 |
| Noninterest expense to average assets | 5.0011% | 411 |
| Loan and lease loss provision to assets | 2.4855% | 448 |
| Net operating income to assets | -3.2336% | 7,336 |
| Return on assets (ROA) | -3.2336% | 7,355 |
| Pretax return on assets | -3.2336% | 7,332 |
| Return on Equity (ROE) | -61.4976% | 7,489 |
| Retained earnings to average equity (ytd only) | -61.4976% | 7,487 |
| Net charge-offs to loans | 3.9724% | 324 |
| Credit loss provision to net charge-offs | 83.1552% | 5,433 |
| Earnings coverage of net charge-offs (x) | -0.2503% | 6,321 |
| Efficiency ratio | 117.5902% | 434 |
| Assets per employee ($millions) | 3.6338% | 4,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2076% | 729 |
| Loan loss allowance to noncurrent loans | 29.0478% | 6,345 |
| Noncurrent assets plus other real estate owned to assets | 17.4501% | 109 |
| Noncurrent loans to loans | 11.0424% | 352 |
| Net loans and leases to total assets | 73.7029% | 1,719 |
| Net loans and leases to deposits | 82.9583% | 2,639 |
| Net loans and leases to core deposits | 92.8621% | 2,403 |
| Total domestic deposits to total assets | 88.8433% | 1,750 |
| Equity capital to assets | 3.5215% | 7,534 |
| Core capital (leverage) ratio | 3.1173% | 7,546 |
| Tier 1 risk-based capital ratio | 3.8893% | 7,568 |
| Total risk-based capital ratio | 5.1601% | 7,572 |
| Memoranda: | ||
| Average total assets | $457,019,800 | 1,451 |
| Average earning assets | $388,511,800 | 1,550 |
| Average equity | $24,030,200 | 2,654 |
| Average total loans | $343,871,800 | 1,302 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 4,926 |
| Cost of funding earning assets | 1.7047% | 1,855 |
| Net interest margin | 3.2705% | 6,111 |
| Noninterest income to average assets | 1.4013% | 691 |
| Noninterest expense to average assets | 3.7262% | 1,515 |
| Loan and lease loss provision to assets | 2.1743% | 519 |
| Net operating income to assets | -1.7124% | 7,165 |
| Return on assets (ROA) | -1.7124% | 7,178 |
| Pretax return on assets | -1.7124% | 7,110 |
| Return on Equity (ROE) | -30.2816% | 7,385 |
| Retained earnings to average equity (ytd only) | -30.2816% | 7,378 |
| Net charge-offs to loans | 3.0686% | 493 |
| Credit loss provision to net charge-offs | 94.4334% | 4,589 |
| Earnings coverage of net charge-offs (x) | 0.2006% | 5,812 |
| Efficiency ratio | 88.9703% | 1,370 |
| Assets per employee ($millions) | 3.9701% | 3,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6967% | 472 |
| Loan loss allowance to noncurrent loans | 26.8572% | 6,523 |
| Noncurrent assets plus other real estate owned to assets | 18.7033% | 80 |
| Noncurrent loans to loans | 13.7642% | 196 |
| Net loans and leases to total assets | 69.8306% | 2,770 |
| Net loans and leases to deposits | 79.5394% | 3,538 |
| Net loans and leases to core deposits | 95.7811% | 2,292 |
| Total domestic deposits to total assets | 87.7938% | 2,097 |
| Equity capital to assets | 5.1718% | 7,563 |
| Core capital (leverage) ratio | 4.8644% | 7,557 |
| Tier 1 risk-based capital ratio | 6.1928% | 7,594 |
| Total risk-based capital ratio | 7.4689% | 7,596 |
| Memoranda: | ||
| Average total assets | $464,986,250 | 1,454 |
| Average earning assets | $396,217,000 | 1,552 |
| Average equity | $26,294,750 | 2,470 |
| Average total loans | $348,906,000 | 1,300 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9997% | 4,941 |
| Cost of funding earning assets | 1.7532% | 1,849 |
| Net interest margin | 3.2465% | 6,178 |
| Noninterest income to average assets | 1.2138% | 876 |
| Noninterest expense to average assets | 3.6123% | 1,747 |
| Loan and lease loss provision to assets | 2.2801% | 513 |
| Net operating income to assets | -1.9021% | 7,281 |
| Return on assets (ROA) | -1.9021% | 7,290 |
| Pretax return on assets | -1.9021% | 7,211 |
| Return on Equity (ROE) | -32.7265% | 7,464 |
| Retained earnings to average equity (ytd only) | -32.7265% | 7,454 |
| Net charge-offs to loans | 3.8940% | 340 |
| Credit loss provision to net charge-offs | 77.1892% | 4,781 |
| Earnings coverage of net charge-offs (x) | 0.1279% | 5,593 |
| Efficiency ratio | 90.5282% | 1,295 |
| Assets per employee ($millions) | 3.9606% | 3,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2899% | 646 |
| Loan loss allowance to noncurrent loans | 26.8029% | 6,564 |
| Noncurrent assets plus other real estate owned to assets | 18.0854% | 79 |
| Noncurrent loans to loans | 12.2743% | 271 |
| Net loans and leases to total assets | 72.3268% | 2,317 |
| Net loans and leases to deposits | 82.6115% | 3,160 |
| Net loans and leases to core deposits | 101.9687% | 1,832 |
| Total domestic deposits to total assets | 87.5505% | 2,231 |
| Equity capital to assets | 5.5487% | 7,586 |
| Core capital (leverage) ratio | 5.2280% | 7,577 |
| Tier 1 risk-based capital ratio | 6.4657% | 7,638 |
| Total risk-based capital ratio | 7.7370% | 7,640 |
| Memoranda: | ||
| Average total assets | $467,796,330 | 1,462 |
| Average earning assets | $400,067,330 | 1,552 |
| Average equity | $27,189,000 | 2,400 |
| Average total loans | $354,856,670 | 1,293 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8421% | 5,717 |
| Cost of funding earning assets | 1.8032% | 1,858 |
| Net interest margin | 3.0389% | 6,744 |
| Noninterest income to average assets | 1.1573% | 924 |
| Noninterest expense to average assets | 3.7870% | 1,348 |
| Loan and lease loss provision to assets | 1.8910% | 593 |
| Net operating income to assets | -1.9019% | 7,440 |
| Return on assets (ROA) | -1.9019% | 7,442 |
| Pretax return on assets | -1.9019% | 7,387 |
| Return on Equity (ROE) | -32.0345% | 7,596 |
| Retained earnings to average equity (ytd only) | -32.0345% | 7,574 |
| Net charge-offs to loans | 0.8034% | 1,928 |
| Credit loss provision to net charge-offs | 308.2192% | 1,277 |
| Earnings coverage of net charge-offs (x) | -0.0178% | 5,039 |
| Efficiency ratio | 100.2893% | 829 |
| Assets per employee ($millions) | 4.1367% | 3,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9677% | 393 |
| Loan loss allowance to noncurrent loans | 28.2962% | 6,510 |
| Noncurrent assets plus other real estate owned to assets | 17.6777% | 91 |
| Noncurrent loans to loans | 14.0219% | 210 |
| Net loans and leases to total assets | 72.9062% | 2,230 |
| Net loans and leases to deposits | 83.3491% | 3,051 |
| Net loans and leases to core deposits | 105.4075% | 1,627 |
| Total domestic deposits to total assets | 87.4709% | 2,372 |
| Equity capital to assets | 5.7517% | 7,651 |
| Core capital (leverage) ratio | 5.5711% | 7,641 |
| Tier 1 risk-based capital ratio | 6.8227% | 7,714 |
| Total risk-based capital ratio | 8.1027% | 7,716 |
| Memoranda: | ||
| Average total assets | $475,938,000 | 1,471 |
| Average earning assets | $410,152,000 | 1,546 |
| Average equity | $28,257,000 | 2,355 |
| Average total loans | $363,448,000 | 1,299 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2856% | 5,253 |
| Cost of funding earning assets | 2.2441% | 1,859 |
| Net interest margin | 3.0415% | 6,539 |
| Noninterest income to average assets | 1.7849% | 462 |
| Noninterest expense to average assets | 4.5374% | 769 |
| Loan and lease loss provision to assets | 3.8340% | 373 |
| Net operating income to assets | -3.9259% | 7,591 |
| Return on assets (ROA) | -3.9010% | 7,585 |
| Pretax return on assets | -3.8941% | 7,503 |
| Return on Equity (ROE) | -48.1826% | 7,668 |
| Retained earnings to average equity (ytd only) | -48.1826% | 7,661 |
| Net charge-offs to loans | 3.9883% | 419 |
| Credit loss provision to net charge-offs | 122.1122% | 4,337 |
| Earnings coverage of net charge-offs (x) | -0.0271% | 6,241 |
| Efficiency ratio | 85.4586% | 2,174 |
| Assets per employee ($millions) | 4.0361% | 3,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4388% | 553 |
| Loan loss allowance to noncurrent loans | 36.9890% | 5,963 |
| Noncurrent assets plus other real estate owned to assets | 13.4023% | 184 |
| Noncurrent loans to loans | 9.2969% | 469 |
| Net loans and leases to total assets | 74.1616% | 2,231 |
| Net loans and leases to deposits | 84.9318% | 3,101 |
| Net loans and leases to core deposits | 101.7122% | 3,827 |
| Total domestic deposits to total assets | 87.3190% | 2,312 |
| Equity capital to assets | 6.1192% | 7,651 |
| Core capital (leverage) ratio | 5.8818% | 7,658 |
| Tier 1 risk-based capital ratio | 7.2042% | 7,726 |
| Total risk-based capital ratio | 8.4784% | 7,732 |
| Memoranda: | ||
| Average total assets | $508,158,200 | 1,353 |
| Average earning assets | $445,666,200 | 1,415 |
| Average equity | $41,141,400 | 1,626 |
| Average total loans | $400,041,000 | 1,202 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2697% | 5,570 |
| Cost of funding earning assets | 2.3165% | 1,920 |
| Net interest margin | 2.9533% | 6,725 |
| Noninterest income to average assets | 1.9477% | 392 |
| Noninterest expense to average assets | 3.7230% | 1,765 |
| Loan and lease loss provision to assets | 3.0239% | 482 |
| Net operating income to assets | -2.2003% | 7,384 |
| Return on assets (ROA) | -2.1674% | 7,365 |
| Pretax return on assets | -2.1674% | 7,238 |
| Return on Equity (ROE) | -25.3295% | 7,514 |
| Retained earnings to average equity (ytd only) | -25.3295% | 7,493 |
| Net charge-offs to loans | 2.9534% | 576 |
| Credit loss provision to net charge-offs | 129.3226% | 3,878 |
| Earnings coverage of net charge-offs (x) | 0.3522% | 5,668 |
| Efficiency ratio | 81.8855% | 2,592 |
| Assets per employee ($millions) | 3.9519% | 3,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0406% | 650 |
| Loan loss allowance to noncurrent loans | 38.3088% | 5,823 |
| Noncurrent assets plus other real estate owned to assets | 12.1257% | 219 |
| Noncurrent loans to loans | 7.9370% | 617 |
| Net loans and leases to total assets | 75.6077% | 2,075 |
| Net loans and leases to deposits | 88.3668% | 2,891 |
| Net loans and leases to core deposits | 105.4702% | 3,760 |
| Total domestic deposits to total assets | 85.5612% | 2,939 |
| Equity capital to assets | 8.1619% | 6,680 |
| Core capital (leverage) ratio | 7.0644% | 7,388 |
| Tier 1 risk-based capital ratio | 8.8232% | 7,672 |
| Total risk-based capital ratio | 10.0932% | 7,696 |
| Memoranda: | ||
| Average total assets | $515,124,750 | 1,352 |
| Average earning assets | $453,319,500 | 1,407 |
| Average equity | $44,079,250 | 1,540 |
| Average total loans | $407,832,000 | 1,200 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2216% | 5,999 |
| Cost of funding earning assets | 2.3593% | 2,126 |
| Net interest margin | 2.8623% | 6,879 |
| Noninterest income to average assets | 2.2832% | 301 |
| Noninterest expense to average assets | 3.5112% | 2,306 |
| Loan and lease loss provision to assets | 1.5294% | 1,115 |
| Net operating income to assets | -0.2269% | 6,226 |
| Return on assets (ROA) | -0.1782% | 6,176 |
| Pretax return on assets | -0.1782% | 6,100 |
| Return on Equity (ROE) | -2.0519% | 6,230 |
| Retained earnings to average equity (ytd only) | -2.0519% | 5,759 |
| Net charge-offs to loans | 1.6339% | 1,160 |
| Credit loss provision to net charge-offs | 117.6662% | 3,948 |
| Earnings coverage of net charge-offs (x) | 1.0021% | 4,781 |
| Efficiency ratio | 72.9419% | 4,211 |
| Assets per employee ($millions) | 4.1478% | 3,400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4146% | 976 |
| Loan loss allowance to noncurrent loans | 29.6793% | 6,514 |
| Noncurrent assets plus other real estate owned to assets | 12.0300% | 180 |
| Noncurrent loans to loans | 8.1356% | 540 |
| Net loans and leases to total assets | 76.0398% | 2,174 |
| Net loans and leases to deposits | 89.5076% | 2,895 |
| Net loans and leases to core deposits | 105.9192% | 3,852 |
| Total domestic deposits to total assets | 84.9535% | 3,288 |
| Equity capital to assets | 9.0520% | 5,242 |
| Core capital (leverage) ratio | 8.2392% | 5,905 |
| Tier 1 risk-based capital ratio | 10.0949% | 6,824 |
| Total risk-based capital ratio | 11.3575% | 6,741 |
| Memoranda: | ||
| Average total assets | $520,854,670 | 1,361 |
| Average earning assets | $460,469,670 | 1,403 |
| Average equity | $45,225,330 | 1,521 |
| Average total loans | $414,348,330 | 1,212 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1297% | 6,565 |
| Cost of funding earning assets | 2.4123% | 2,245 |
| Net interest margin | 2.7175% | 7,163 |
| Noninterest income to average assets | 2.4006% | 264 |
| Noninterest expense to average assets | 3.5307% | 2,026 |
| Loan and lease loss provision to assets | 1.2512% | 1,024 |
| Net operating income to assets | 0.0406% | 6,158 |
| Return on assets (ROA) | 0.1379% | 6,032 |
| Pretax return on assets | 0.1379% | 6,081 |
| Return on Equity (ROE) | 1.6226% | 5,910 |
| Retained earnings to average equity (ytd only) | 1.6226% | 4,936 |
| Net charge-offs to loans | 1.5732% | 921 |
| Credit loss provision to net charge-offs | 98.9697% | 3,825 |
| Earnings coverage of net charge-offs (x) | 1.0218% | 4,256 |
| Efficiency ratio | 73.2126% | 3,973 |
| Assets per employee ($millions) | 4.5299% | 2,672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1953% | 1,089 |
| Loan loss allowance to noncurrent loans | 24.5349% | 6,936 |
| Noncurrent assets plus other real estate owned to assets | 11.0480% | 177 |
| Noncurrent loans to loans | 8.9475% | 365 |
| Net loans and leases to total assets | 73.6832% | 2,837 |
| Net loans and leases to deposits | 86.2364% | 3,587 |
| Net loans and leases to core deposits | 104.6538% | 4,066 |
| Total domestic deposits to total assets | 85.4432% | 2,993 |
| Equity capital to assets | 8.4035% | 6,230 |
| Core capital (leverage) ratio | 8.4031% | 5,713 |
| Tier 1 risk-based capital ratio | 9.8297% | 7,106 |
| Total risk-based capital ratio | 11.0900% | 7,002 |
| Memoranda: | ||
| Average total assets | $522,046,000 | 1,355 |
| Average earning assets | $465,287,500 | 1,401 |
| Average equity | $44,372,000 | 1,543 |
| Average total loans | $419,522,500 | 1,206 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6574% | 2,216 |
| Cost of funding earning assets | 2.9740% | 1,967 |
| Net interest margin | 3.6834% | 4,535 |
| Noninterest income to average assets | 1.3366% | 806 |
| Noninterest expense to average assets | 3.0230% | 3,996 |
| Loan and lease loss provision to assets | 1.4444% | 951 |
| Net operating income to assets | 0.2169% | 5,800 |
| Return on assets (ROA) | 0.1116% | 5,916 |
| Pretax return on assets | 0.1116% | 5,917 |
| Return on Equity (ROE) | 1.2314% | 5,847 |
| Retained earnings to average equity (ytd only) | -5.4830% | 6,582 |
| Net charge-offs to loans | 0.9420% | 1,308 |
| Credit loss provision to net charge-offs | 176.2566% | 2,877 |
| Earnings coverage of net charge-offs (x) | 2.0273% | 5,059 |
| Efficiency ratio | 64.5338% | 5,444 |
| Assets per employee ($millions) | 4.0954% | 3,318 |
| Cash dividends to net income (ytd only)* | 545.2690% | 83 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1663% | 981 |
| Loan loss allowance to noncurrent loans | 28.9852% | 6,762 |
| Noncurrent assets plus other real estate owned to assets | 9.5405% | 189 |
| Noncurrent loans to loans | 7.4739% | 383 |
| Net loans and leases to total assets | 84.1479% | 865 |
| Net loans and leases to deposits | 101.5612% | 1,631 |
| Net loans and leases to core deposits | 125.8963% | 2,168 |
| Total domestic deposits to total assets | 82.8543% | 3,827 |
| Equity capital to assets | 8.6077% | 5,926 |
| Core capital (leverage) ratio | 7.8321% | 6,749 |
| Tier 1 risk-based capital ratio | 8.8787% | 7,863 |
| Total risk-based capital ratio | 10.1390% | 7,884 |
| Memoranda: | ||
| Average total assets | $483,098,400 | 1,419 |
| Average earning assets | $439,075,800 | 1,424 |
| Average equity | $43,771,600 | 1,537 |
| Average total loans | $420,259,800 | 1,139 |