Home > The Royal Palm Bank of Florida > Performance and Condition Ratios
The Royal Palm Bank of Florida, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0689% | 5,420 |
| Cost of funding earning assets | 0.8010% | 3,182 |
| Net interest margin | 3.2679% | 5,539 |
| Noninterest income to average assets | -1.9258% | 7,235 |
| Noninterest expense to average assets | 5.6361% | 252 |
| Loan and lease loss provision to assets | 2.2695% | 104 |
| Net operating income to assets | -7.0651% | 7,231 |
| Return on assets (ROA) | -7.0651% | 7,232 |
| Pretax return on assets | -7.0651% | 7,232 |
| Return on Equity (ROE) | -757.1877% | 7,244 |
| Retained earnings to average equity (ytd only) | -757.1877% | 7,244 |
| Net charge-offs to loans | 3.2257% | 173 |
| Credit loss provision to net charge-offs | 104.2162% | 2,615 |
| Earnings coverage of net charge-offs (x) | -2.2022% | 5,390 |
| Efficiency ratio | 670.0280% | 4 |
| Assets per employee ($millions) | 2.8133% | 6,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9777% | 23 |
| Loan loss allowance to noncurrent loans | 72.6267% | 4,091 |
| Noncurrent assets plus other real estate owned to assets | 14.7630% | 102 |
| Noncurrent loans to loans | 12.3614% | 160 |
| Net loans and leases to total assets | 62.5281% | 3,333 |
| Net loans and leases to deposits | 62.4449% | 4,945 |
| Net loans and leases to core deposits | 63.4479% | 5,267 |
| Total domestic deposits to total assets | 100.1333% | 2 |
| Equity capital to assets | -1.1629% | 7,244 |
| Core capital (leverage) ratio | -1.1678% | 7,244 |
| Tier 1 risk-based capital ratio | -1.7899% | 7,244 |
| Total risk-based capital ratio | -1.7899% | 7,244 |
| Memoranda: | ||
| Average total assets | $84,952,330 | 5,307 |
| Average earning assets | $71,910,670 | 5,463 |
| Average equity | $792,670 | 7,229 |
| Average total loans | $57,352,000 | 4,898 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9648% | 5,876 |
| Cost of funding earning assets | 0.8344% | 3,191 |
| Net interest margin | 3.1304% | 5,959 |
| Noninterest income to average assets | -0.2317% | 7,205 |
| Noninterest expense to average assets | 4.9930% | 364 |
| Loan and lease loss provision to assets | 1.4402% | 244 |
| Net operating income to assets | -3.9890% | 7,256 |
| Return on assets (ROA) | -3.9890% | 7,257 |
| Pretax return on assets | -3.9890% | 7,250 |
| Return on Equity (ROE) | -213.2362% | 7,287 |
| Retained earnings to average equity (ytd only) | -213.2362% | 7,284 |
| Net charge-offs to loans | 3.3575% | 197 |
| Credit loss provision to net charge-offs | 64.0404% | 3,037 |
| Earnings coverage of net charge-offs (x) | -1.1333% | 4,565 |
| Efficiency ratio | 204.0892% | 38 |
| Assets per employee ($millions) | 3.1056% | 5,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0567% | 32 |
| Loan loss allowance to noncurrent loans | 54.3506% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 17.3270% | 73 |
| Noncurrent loans to loans | 14.8236% | 125 |
| Net loans and leases to total assets | 60.9071% | 3,467 |
| Net loans and leases to deposits | 62.2684% | 4,875 |
| Net loans and leases to core deposits | 63.1949% | 5,202 |
| Total domestic deposits to total assets | 97.8139% | 9 |
| Equity capital to assets | 1.3892% | 7,295 |
| Core capital (leverage) ratio | 1.3853% | 7,296 |
| Tier 1 risk-based capital ratio | 2.0177% | 7,297 |
| Total risk-based capital ratio | 3.3513% | 7,296 |
| Memoranda: | ||
| Average total assets | $88,043,000 | 5,267 |
| Average earning assets | $75,262,500 | 5,389 |
| Average equity | $1,647,000 | 7,212 |
| Average total loans | $58,972,000 | 4,857 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1907% | 6,080 |
| Cost of funding earning assets | 1.3286% | 1,348 |
| Net interest margin | 2.8621% | 6,747 |
| Noninterest income to average assets | 0.0594% | 6,803 |
| Noninterest expense to average assets | 4.9613% | 390 |
| Loan and lease loss provision to assets | 0.4915% | 2,149 |
| Net operating income to assets | -2.8898% | 7,164 |
| Return on assets (ROA) | -2.6895% | 7,146 |
| Pretax return on assets | -2.6895% | 7,147 |
| Return on Equity (ROE) | -105.7729% | 7,315 |
| Retained earnings to average equity (ytd only) | -105.7729% | 7,315 |
| Net charge-offs to loans | 6.0204% | 46 |
| Credit loss provision to net charge-offs | 11.9302% | 5,998 |
| Earnings coverage of net charge-offs (x) | -0.5821% | 6,106 |
| Efficiency ratio | 193.0841% | 63 |
| Assets per employee ($millions) | 3.1832% | 5,744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9864% | 33 |
| Loan loss allowance to noncurrent loans | 55.3590% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 17.7877% | 75 |
| Noncurrent loans to loans | 14.4266% | 143 |
| Net loans and leases to total assets | 62.2929% | 3,540 |
| Net loans and leases to deposits | 64.2731% | 4,974 |
| Net loans and leases to core deposits | 65.4235% | 5,332 |
| Total domestic deposits to total assets | 96.9191% | 23 |
| Equity capital to assets | 2.3404% | 7,305 |
| Core capital (leverage) ratio | 2.1863% | 7,306 |
| Tier 1 risk-based capital ratio | 3.3402% | 7,304 |
| Total risk-based capital ratio | 4.6714% | 7,304 |
| Memoranda: | ||
| Average total assets | $104,367,200 | 4,781 |
| Average earning assets | $91,296,800 | 4,879 |
| Average equity | $2,653,800 | 7,083 |
| Average total loans | $71,423,800 | 4,432 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2963% | 5,959 |
| Cost of funding earning assets | 1.4055% | 1,216 |
| Net interest margin | 2.8909% | 6,762 |
| Noninterest income to average assets | -0.3032% | 7,296 |
| Noninterest expense to average assets | 4.9929% | 376 |
| Loan and lease loss provision to assets | 0.8788% | 1,033 |
| Net operating income to assets | -3.6347% | 7,309 |
| Return on assets (ROA) | -3.3771% | 7,299 |
| Pretax return on assets | -3.3771% | 7,294 |
| Return on Equity (ROE) | -130.6712% | 7,400 |
| Retained earnings to average equity (ytd only) | -130.6712% | 7,400 |
| Net charge-offs to loans | 7.6643% | 27 |
| Credit loss provision to net charge-offs | 16.7175% | 5,601 |
| Earnings coverage of net charge-offs (x) | -0.5243% | 5,839 |
| Efficiency ratio | 222.6446% | 38 |
| Assets per employee ($millions) | 3.3096% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.9841% | 33 |
| Loan loss allowance to noncurrent loans | 57.6612% | 4,572 |
| Noncurrent assets plus other real estate owned to assets | 16.1058% | 106 |
| Noncurrent loans to loans | 13.8465% | 167 |
| Net loans and leases to total assets | 60.6879% | 4,010 |
| Net loans and leases to deposits | 62.7297% | 5,321 |
| Net loans and leases to core deposits | 63.7715% | 5,642 |
| Total domestic deposits to total assets | 96.7451% | 25 |
| Equity capital to assets | 2.2682% | 7,388 |
| Core capital (leverage) ratio | 2.1119% | 7,389 |
| Tier 1 risk-based capital ratio | 3.3281% | 7,386 |
| Total risk-based capital ratio | 4.6606% | 7,385 |
| Memoranda: | ||
| Average total assets | $108,176,750 | 4,713 |
| Average earning assets | $95,056,000 | 4,816 |
| Average equity | $2,795,750 | 7,123 |
| Average total loans | $74,194,750 | 4,380 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3797% | 5,763 |
| Cost of funding earning assets | 1.4572% | 1,174 |
| Net interest margin | 2.9225% | 6,750 |
| Noninterest income to average assets | -0.4276% | 7,418 |
| Noninterest expense to average assets | 5.1620% | 323 |
| Loan and lease loss provision to assets | 1.0032% | 868 |
| Net operating income to assets | -4.0234% | 7,394 |
| Return on assets (ROA) | -3.6510% | 7,374 |
| Pretax return on assets | -3.6510% | 7,370 |
| Return on Equity (ROE) | -136.5090% | 7,464 |
| Retained earnings to average equity (ytd only) | -136.5090% | 7,464 |
| Net charge-offs to loans | 5.8592% | 93 |
| Credit loss provision to net charge-offs | 24.6930% | 5,070 |
| Earnings coverage of net charge-offs (x) | -0.7434% | 5,588 |
| Efficiency ratio | 240.5158% | 36 |
| Assets per employee ($millions) | 3.5909% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6284% | 18 |
| Loan loss allowance to noncurrent loans | 76.3324% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 15.8168% | 126 |
| Noncurrent loans to loans | 12.6137% | 224 |
| Net loans and leases to total assets | 60.0221% | 4,267 |
| Net loans and leases to deposits | 62.2383% | 5,471 |
| Net loans and leases to core deposits | 66.8293% | 5,409 |
| Total domestic deposits to total assets | 96.4391% | 26 |
| Equity capital to assets | 2.6641% | 7,444 |
| Core capital (leverage) ratio | 2.5220% | 7,445 |
| Tier 1 risk-based capital ratio | 3.8658% | 7,435 |
| Total risk-based capital ratio | 5.2183% | 7,435 |
| Memoranda: | ||
| Average total assets | $112,243,000 | 4,650 |
| Average earning assets | $98,682,000 | 4,740 |
| Average equity | $3,002,000 | 7,126 |
| Average total loans | $77,826,000 | 4,289 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 5,473 |
| Cost of funding earning assets | 1.5080% | 1,134 |
| Net interest margin | 2.9564% | 6,662 |
| Noninterest income to average assets | -0.1118% | 7,388 |
| Noninterest expense to average assets | 5.5196% | 256 |
| Loan and lease loss provision to assets | 1.0480% | 720 |
| Net operating income to assets | -4.0768% | 7,449 |
| Return on assets (ROA) | -4.0768% | 7,452 |
| Pretax return on assets | -4.0768% | 7,439 |
| Return on Equity (ROE) | -152.1512% | 7,523 |
| Retained earnings to average equity (ytd only) | -152.1512% | 7,518 |
| Net charge-offs to loans | 5.3604% | 135 |
| Credit loss provision to net charge-offs | 27.6498% | 4,156 |
| Earnings coverage of net charge-offs (x) | -0.7991% | 4,872 |
| Efficiency ratio | 221.1781% | 54 |
| Assets per employee ($millions) | 3.7428% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0973% | 21 |
| Loan loss allowance to noncurrent loans | 67.4806% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 15.7787% | 142 |
| Noncurrent loans to loans | 14.9633% | 152 |
| Net loans and leases to total assets | 62.0169% | 3,855 |
| Net loans and leases to deposits | 64.4673% | 5,193 |
| Net loans and leases to core deposits | 69.0262% | 5,164 |
| Total domestic deposits to total assets | 96.1989% | 29 |
| Equity capital to assets | 2.8098% | 7,490 |
| Core capital (leverage) ratio | 2.4762% | 7,503 |
| Tier 1 risk-based capital ratio | 3.7850% | 7,496 |
| Total risk-based capital ratio | 5.1479% | 7,494 |
| Memoranda: | ||
| Average total assets | $114,501,000 | 4,631 |
| Average earning assets | $100,797,000 | 4,721 |
| Average equity | $3,068,000 | 7,149 |
| Average total loans | $80,964,500 | 4,220 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2724% | 6,830 |
| Cost of funding earning assets | 1.7061% | 1,576 |
| Net interest margin | 2.5664% | 7,232 |
| Noninterest income to average assets | -0.5524% | 7,577 |
| Noninterest expense to average assets | 4.4912% | 657 |
| Loan and lease loss provision to assets | 6.2587% | 36 |
| Net operating income to assets | -9.5019% | 7,636 |
| Return on assets (ROA) | -9.5019% | 7,637 |
| Pretax return on assets | -9.0645% | 7,634 |
| Return on Equity (ROE) | -127.2211% | 7,623 |
| Retained earnings to average equity (ytd only) | -127.2211% | 7,623 |
| Net charge-offs to loans | 6.8292% | 62 |
| Credit loss provision to net charge-offs | 129.3383% | 3,082 |
| Earnings coverage of net charge-offs (x) | -0.5798% | 6,492 |
| Efficiency ratio | 264.6147% | 42 |
| Assets per employee ($millions) | 3.8906% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1879% | 21 |
| Loan loss allowance to noncurrent loans | 53.8750% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 17.3427% | 111 |
| Noncurrent loans to loans | 18.9102% | 83 |
| Net loans and leases to total assets | 65.0003% | 3,664 |
| Net loans and leases to deposits | 67.3655% | 5,187 |
| Net loans and leases to core deposits | 75.4978% | 4,785 |
| Total domestic deposits to total assets | 96.4890% | 26 |
| Equity capital to assets | 2.5540% | 7,584 |
| Core capital (leverage) ratio | 2.0221% | 7,611 |
| Tier 1 risk-based capital ratio | 3.1254% | 7,599 |
| Total risk-based capital ratio | 4.4921% | 7,595 |
| Memoranda: | ||
| Average total assets | $133,973,000 | 4,179 |
| Average earning assets | $116,818,800 | 4,296 |
| Average equity | $10,006,200 | 5,132 |
| Average total loans | $94,931,200 | 3,927 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2769% | 6,994 |
| Cost of funding earning assets | 1.7200% | 1,773 |
| Net interest margin | 2.5569% | 7,340 |
| Noninterest income to average assets | -0.3895% | 7,655 |
| Noninterest expense to average assets | 4.5547% | 557 |
| Loan and lease loss provision to assets | 4.4833% | 122 |
| Net operating income to assets | -6.2448% | 7,697 |
| Return on assets (ROA) | -6.2448% | 7,700 |
| Pretax return on assets | -7.1945% | 7,715 |
| Return on Equity (ROE) | -73.4179% | 7,646 |
| Retained earnings to average equity (ytd only) | -73.4179% | 7,645 |
| Net charge-offs to loans | 2.4453% | 696 |
| Credit loss provision to net charge-offs | 259.9217% | 1,275 |
| Earnings coverage of net charge-offs (x) | -1.5718% | 6,512 |
| Efficiency ratio | 245.4498% | 46 |
| Assets per employee ($millions) | 4.2092% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1169% | 23 |
| Loan loss allowance to noncurrent loans | 60.2368% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 15.2833% | 147 |
| Noncurrent loans to loans | 16.7952% | 124 |
| Net loans and leases to total assets | 67.2976% | 3,379 |
| Net loans and leases to deposits | 73.2290% | 4,648 |
| Net loans and leases to core deposits | 80.9464% | 4,388 |
| Total domestic deposits to total assets | 91.9002% | 205 |
| Equity capital to assets | 7.1202% | 7,297 |
| Core capital (leverage) ratio | 6.7863% | 7,256 |
| Tier 1 risk-based capital ratio | 9.9316% | 7,098 |
| Total risk-based capital ratio | 11.3000% | 7,025 |
| Memoranda: | ||
| Average total assets | $138,286,750 | 4,144 |
| Average earning assets | $120,769,500 | 4,269 |
| Average equity | $11,762,500 | 4,752 |
| Average total loans | $97,545,750 | 3,928 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1726% | 7,206 |
| Cost of funding earning assets | 1.7517% | 1,855 |
| Net interest margin | 2.4209% | 7,459 |
| Noninterest income to average assets | 0.0520% | 7,326 |
| Noninterest expense to average assets | 4.3362% | 694 |
| Loan and lease loss provision to assets | 5.0601% | 102 |
| Net operating income to assets | -5.9034% | 7,733 |
| Return on assets (ROA) | -5.9034% | 7,738 |
| Pretax return on assets | -7.2289% | 7,768 |
| Return on Equity (ROE) | -66.2130% | 7,671 |
| Retained earnings to average equity (ytd only) | -66.2130% | 7,669 |
| Net charge-offs to loans | 2.9529% | 545 |
| Credit loss provision to net charge-offs | 247.4227% | 1,557 |
| Earnings coverage of net charge-offs (x) | -1.0605% | 6,127 |
| Efficiency ratio | 198.7030% | 99 |
| Assets per employee ($millions) | 4.1527% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.1562% | 28 |
| Loan loss allowance to noncurrent loans | 55.6891% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 14.8201% | 153 |
| Noncurrent loans to loans | 16.4416% | 139 |
| Net loans and leases to total assets | 66.0682% | 3,816 |
| Net loans and leases to deposits | 72.8652% | 4,857 |
| Net loans and leases to core deposits | 86.0273% | 3,828 |
| Total domestic deposits to total assets | 90.6718% | 615 |
| Equity capital to assets | 8.5471% | 6,104 |
| Core capital (leverage) ratio | 8.0252% | 6,242 |
| Tier 1 risk-based capital ratio | 12.3900% | 4,957 |
| Total risk-based capital ratio | 13.7479% | 4,840 |
| Memoranda: | ||
| Average total assets | $142,290,670 | 4,089 |
| Average earning assets | $124,335,670 | 4,221 |
| Average equity | $12,686,330 | 4,502 |
| Average total loans | $98,546,000 | 3,943 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1394% | 7,336 |
| Cost of funding earning assets | 1.7687% | 2,019 |
| Net interest margin | 2.3707% | 7,551 |
| Noninterest income to average assets | 0.0544% | 7,442 |
| Noninterest expense to average assets | 4.6343% | 498 |
| Loan and lease loss provision to assets | 3.9458% | 223 |
| Net operating income to assets | -4.7866% | 7,773 |
| Return on assets (ROA) | -4.7866% | 7,781 |
| Pretax return on assets | -6.4466% | 7,824 |
| Return on Equity (ROE) | -52.7021% | 7,716 |
| Retained earnings to average equity (ytd only) | -52.7021% | 7,706 |
| Net charge-offs to loans | 5.5600% | 203 |
| Credit loss provision to net charge-offs | 104.8445% | 3,270 |
| Earnings coverage of net charge-offs (x) | -0.6645% | 5,332 |
| Efficiency ratio | 217.2194% | 82 |
| Assets per employee ($millions) | 4.4809% | 2,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9184% | 60 |
| Loan loss allowance to noncurrent loans | 47.5826% | 5,166 |
| Noncurrent assets plus other real estate owned to assets | 12.3922% | 237 |
| Noncurrent loans to loans | 14.5398% | 198 |
| Net loans and leases to total assets | 63.5321% | 4,424 |
| Net loans and leases to deposits | 70.4444% | 5,274 |
| Net loans and leases to core deposits | 84.0465% | 4,191 |
| Total domestic deposits to total assets | 90.1875% | 895 |
| Equity capital to assets | 9.1374% | 5,079 |
| Core capital (leverage) ratio | 8.7935% | 4,865 |
| Tier 1 risk-based capital ratio | 13.5023% | 3,984 |
| Total risk-based capital ratio | 14.8256% | 3,906 |
| Memoranda: | ||
| Average total assets | $146,992,500 | 4,067 |
| Average earning assets | $128,907,500 | 4,174 |
| Average equity | $13,350,500 | 4,393 |
| Average total loans | $99,496,500 | 3,974 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7563% | 7,038 |
| Cost of funding earning assets | 2.5907% | 802 |
| Net interest margin | 2.1656% | 7,664 |
| Noninterest income to average assets | -1.1196% | 7,995 |
| Noninterest expense to average assets | 19.5908% | 49 |
| Loan and lease loss provision to assets | 8.6035% | 30 |
| Net operating income to assets | -24.9387% | 8,010 |
| Return on assets (ROA) | -24.9387% | 8,010 |
| Pretax return on assets | -27.5056% | 8,008 |
| Return on Equity (ROE) | -195.5723% | 7,996 |
| Retained earnings to average equity (ytd only) | -195.5723% | 7,996 |
| Net charge-offs to loans | 11.4602% | 25 |
| Credit loss provision to net charge-offs | 103.8023% | 5,319 |
| Earnings coverage of net charge-offs (x) | -2.2806% | 7,022 |
| Efficiency ratio | 511.5486% | 28 |
| Assets per employee ($millions) | 4.7061% | 2,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6295% | 76 |
| Loan loss allowance to noncurrent loans | 45.0598% | 5,395 |
| Noncurrent assets plus other real estate owned to assets | 11.6444% | 271 |
| Noncurrent loans to loans | 14.7126% | 183 |
| Net loans and leases to total assets | 62.6975% | 4,866 |
| Net loans and leases to deposits | 69.2472% | 5,694 |
| Net loans and leases to core deposits | 90.9783% | 5,016 |
| Total domestic deposits to total assets | 90.5416% | 727 |
| Equity capital to assets | 9.0301% | 5,096 |
| Core capital (leverage) ratio | 8.8958% | 4,596 |
| Tier 1 risk-based capital ratio | 13.7924% | 3,637 |
| Total risk-based capital ratio | 15.1139% | 3,538 |
| Memoranda: | ||
| Average total assets | $165,955,200 | 3,675 |
| Average earning assets | $138,575,000 | 3,935 |
| Average equity | $21,162,000 | 3,051 |
| Average total loans | $120,024,000 | 3,483 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8353% | 7,036 |
| Cost of funding earning assets | 2.7565% | 672 |
| Net interest margin | 2.0788% | 7,782 |
| Noninterest income to average assets | -1.1072% | 8,077 |
| Noninterest expense to average assets | 24.3566% | 44 |
| Loan and lease loss provision to assets | 8.6384% | 31 |
| Net operating income to assets | -30.8207% | 8,098 |
| Return on assets (ROA) | -30.8207% | 8,098 |
| Pretax return on assets | -32.3873% | 8,096 |
| Return on Equity (ROE) | -227.0099% | 8,081 |
| Retained earnings to average equity (ytd only) | -227.0099% | 8,081 |
| Net charge-offs to loans | 9.4010% | 54 |
| Credit loss provision to net charge-offs | 125.0682% | 4,021 |
| Earnings coverage of net charge-offs (x) | -3.4384% | 6,817 |
| Efficiency ratio | 564.3411% | 28 |
| Assets per employee ($millions) | 4.3886% | 3,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.2464% | 42 |
| Loan loss allowance to noncurrent loans | 40.0535% | 5,675 |
| Noncurrent assets plus other real estate owned to assets | 16.2975% | 94 |
| Noncurrent loans to loans | 18.0917% | 87 |
| Net loans and leases to total assets | 71.9381% | 3,049 |
| Net loans and leases to deposits | 74.0043% | 5,367 |
| Net loans and leases to core deposits | 103.2194% | 4,037 |
| Total domestic deposits to total assets | 97.2080% | 16 |
| Equity capital to assets | 1.8504% | 8,058 |
| Core capital (leverage) ratio | 1.5105% | 8,061 |
| Tier 1 risk-based capital ratio | 2.2744% | 8,055 |
| Total risk-based capital ratio | 3.6112% | 8,056 |
| Memoranda: | ||
| Average total assets | $169,795,000 | 3,629 |
| Average earning assets | $140,077,750 | 3,924 |
| Average equity | $23,052,750 | 2,847 |
| Average total loans | $124,749,000 | 3,409 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9647% | 6,885 |
| Cost of funding earning assets | 2.8629% | 665 |
| Net interest margin | 2.1019% | 7,809 |
| Noninterest income to average assets | -1.3597% | 8,169 |
| Noninterest expense to average assets | 33.5342% | 36 |
| Loan and lease loss provision to assets | 8.3983% | 62 |
| Net operating income to assets | -37.6461% | 8,192 |
| Return on assets (ROA) | -37.6461% | 8,192 |
| Pretax return on assets | -41.5973% | 8,192 |
| Return on Equity (ROE) | -223.0430% | 8,151 |
| Retained earnings to average equity (ytd only) | -223.0430% | 8,150 |
| Net charge-offs to loans | 4.4882% | 286 |
| Credit loss provision to net charge-offs | 258.7374% | 1,796 |
| Earnings coverage of net charge-offs (x) | -10.2281% | 6,530 |
| Efficiency ratio | 1,008.4459% | 22 |
| Assets per employee ($millions) | 4.5348% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3951% | 27 |
| Loan loss allowance to noncurrent loans | 54.5242% | 4,746 |
| Noncurrent assets plus other real estate owned to assets | 14.6624% | 107 |
| Noncurrent loans to loans | 15.3970% | 123 |
| Net loans and leases to total assets | 75.9515% | 2,192 |
| Net loans and leases to deposits | 81.1538% | 4,366 |
| Net loans and leases to core deposits | 103.9187% | 4,071 |
| Total domestic deposits to total assets | 93.5895% | 71 |
| Equity capital to assets | 5.6413% | 7,981 |
| Core capital (leverage) ratio | 4.3836% | 8,068 |
| Tier 1 risk-based capital ratio | 7.2520% | 7,986 |
| Total risk-based capital ratio | 8.6023% | 7,984 |
| Memoranda: | ||
| Average total assets | $176,655,670 | 3,532 |
| Average earning assets | $142,445,000 | 3,892 |
| Average equity | $29,816,670 | 2,277 |
| Average total loans | $127,756,330 | 3,385 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3590% | 5,620 |
| Cost of funding earning assets | 2.8514% | 865 |
| Net interest margin | 2.5077% | 7,489 |
| Noninterest income to average assets | -0.0830% | 8,128 |
| Noninterest expense to average assets | 3.1422% | 3,223 |
| Loan and lease loss provision to assets | 3.6936% | 271 |
| Net operating income to assets | -3.1955% | 7,871 |
| Return on assets (ROA) | -3.1955% | 7,874 |
| Pretax return on assets | -4.9773% | 7,984 |
| Return on Equity (ROE) | -14.8702% | 7,597 |
| Retained earnings to average equity (ytd only) | -14.8702% | 7,429 |
| Net charge-offs to loans | 8.1462% | 91 |
| Credit loss provision to net charge-offs | 66.7051% | 4,403 |
| Earnings coverage of net charge-offs (x) | -0.2318% | 5,153 |
| Efficiency ratio | 169.0722% | 279 |
| Assets per employee ($millions) | 5.7711% | 1,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2277% | 181 |
| Loan loss allowance to noncurrent loans | 46.8860% | 5,388 |
| Noncurrent assets plus other real estate owned to assets | 7.4621% | 426 |
| Noncurrent loans to loans | 9.0169% | 356 |
| Net loans and leases to total assets | 61.3620% | 5,435 |
| Net loans and leases to deposits | 79.4678% | 4,693 |
| Net loans and leases to core deposits | 101.7218% | 4,377 |
| Total domestic deposits to total assets | 77.2163% | 6,224 |
| Equity capital to assets | 20.5989% | 384 |
| Core capital (leverage) ratio | 8.5266% | 5,482 |
| Tier 1 risk-based capital ratio | 11.2988% | 5,601 |
| Total risk-based capital ratio | 12.5887% | 5,469 |
| Memoranda: | ||
| Average total assets | $187,891,500 | 3,382 |
| Average earning assets | $145,474,000 | 3,840 |
| Average equity | $40,376,000 | 1,690 |
| Average total loans | $127,716,000 | 3,416 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1643% | 4,700 |
| Cost of funding earning assets | 3.4466% | 615 |
| Net interest margin | 2.7177% | 7,465 |
| Noninterest income to average assets | -0.2100% | 8,227 |
| Noninterest expense to average assets | 3.2098% | 3,301 |
| Loan and lease loss provision to assets | 4.8336% | 115 |
| Net operating income to assets | -3.9832% | 7,985 |
| Return on assets (ROA) | -3.9832% | 7,970 |
| Pretax return on assets | -6.1320% | 8,111 |
| Return on Equity (ROE) | -17.4046% | 7,683 |
| Retained earnings to average equity (ytd only) | -17.4046% | 7,590 |
| Net charge-offs to loans | 3.0446% | 287 |
| Credit loss provision to net charge-offs | 226.2624% | 2,103 |
| Earnings coverage of net charge-offs (x) | -0.6078% | 6,516 |
| Efficiency ratio | 167.9307% | 285 |
| Assets per employee ($millions) | 5.2813% | 1,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7651% | 114 |
| Loan loss allowance to noncurrent loans | 52.4970% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 8.2255% | 271 |
| Noncurrent loans to loans | 9.0770% | 255 |
| Net loans and leases to total assets | 68.7955% | 4,302 |
| Net loans and leases to deposits | 95.4630% | 2,536 |
| Net loans and leases to core deposits | 125.3992% | 2,218 |
| Total domestic deposits to total assets | 72.0651% | 6,983 |
| Equity capital to assets | 22.4616% | 333 |
| Core capital (leverage) ratio | 8.8932% | 4,900 |
| Tier 1 risk-based capital ratio | 10.6641% | 6,035 |
| Total risk-based capital ratio | 11.9592% | 5,900 |
| Memoranda: | ||
| Average total assets | $175,212,600 | 3,472 |
| Average earning assets | $136,771,600 | 3,916 |
| Average equity | $40,098,600 | 1,676 |
| Average total loans | $122,937,000 | 3,396 |