Home > Town North Bank Nevada > Performance and Condition Ratios
Town North Bank Nevada, 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 | 6.2555% | 276 |
| Cost of funding earning assets | 0.1216% | 7,292 |
| Net interest margin | 6.1339% | 81 |
| Noninterest income to average assets | 2.1969% | 332 |
| Noninterest expense to average assets | 10.0749% | 74 |
| Loan and lease loss provision to assets | -1.3955% | 7,353 |
| Net operating income to assets | -0.5762% | 6,539 |
| Return on assets (ROA) | -0.5762% | 6,583 |
| Pretax return on assets | -0.5762% | 6,540 |
| Return on Equity (ROE) | -0.6048% | 6,211 |
| Retained earnings to average equity (ytd only) | -0.6048% | 5,946 |
| Net charge-offs to loans | 9.5807% | 9 |
| Credit loss provision to net charge-offs | -29.4677% | 6,642 |
| Earnings coverage of net charge-offs (x) | -0.4163% | 6,051 |
| Efficiency ratio | 124.3333% | 272 |
| Assets per employee ($millions) | 1.8523% | 7,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.7261% | 13 |
| Loan loss allowance to noncurrent loans | 315.5844% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 1.3856% | 3,921 |
| Noncurrent loans to loans | 3.3988% | 1,899 |
| Net loans and leases to total assets | 36.3955% | 6,738 |
| Net loans and leases to deposits | 809.0000% | 9 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 4.4988% | 7,341 |
| Equity capital to assets | 95.3032% | 2 |
| Core capital (leverage) ratio | 95.6331% | 2 |
| Tier 1 risk-based capital ratio | 203.3340% | 22 |
| Total risk-based capital ratio | 204.6908% | 22 |
| Memoranda: | ||
| Average total assets | $11,106,800 | 7,324 |
| Average earning assets | $10,694,600 | 7,307 |
| Average equity | $10,581,400 | 4,887 |
| Average total loans | $5,490,200 | 7,256 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5745% | 177 |
| Cost of funding earning assets | 0.1373% | 7,366 |
| Net interest margin | 6.4372% | 67 |
| Noninterest income to average assets | 2.5334% | 261 |
| Noninterest expense to average assets | 10.2174% | 73 |
| Loan and lease loss provision to assets | -0.6603% | 7,419 |
| Net operating income to assets | -0.8285% | 6,809 |
| Return on assets (ROA) | -0.8285% | 6,845 |
| Pretax return on assets | -0.8285% | 6,798 |
| Return on Equity (ROE) | -0.8697% | 6,362 |
| Retained earnings to average equity (ytd only) | -0.8697% | 6,132 |
| Net charge-offs to loans | 10.1918% | 14 |
| Credit loss provision to net charge-offs | -12.5571% | 6,411 |
| Earnings coverage of net charge-offs (x) | -0.2831% | 5,757 |
| Efficiency ratio | 117.0564% | 335 |
| Assets per employee ($millions) | 1.8535% | 7,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.8143% | 8 |
| Loan loss allowance to noncurrent loans | 294.3231% | 1,055 |
| Noncurrent assets plus other real estate owned to assets | 2.0592% | 3,065 |
| Noncurrent loans to loans | 4.6936% | 1,375 |
| Net loans and leases to total assets | 37.8113% | 6,778 |
| Net loans and leases to deposits | 841.0000% | 9 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 4.4960% | 7,419 |
| Equity capital to assets | 95.1983% | 5 |
| Core capital (leverage) ratio | 94.8611% | 2 |
| Tier 1 risk-based capital ratio | 198.1667% | 31 |
| Total risk-based capital ratio | 199.5653% | 31 |
| Memoranda: | ||
| Average total assets | $11,105,000 | 7,403 |
| Average earning assets | $10,687,500 | 7,384 |
| Average equity | $10,578,750 | 4,899 |
| Average total loans | $5,730,000 | 7,322 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6109% | 178 |
| Cost of funding earning assets | 0.1873% | 7,420 |
| Net interest margin | 6.4236% | 72 |
| Noninterest income to average assets | 2.5767% | 259 |
| Noninterest expense to average assets | 10.6850% | 68 |
| Loan and lease loss provision to assets | -0.9910% | 7,501 |
| Net operating income to assets | -0.9370% | 6,925 |
| Return on assets (ROA) | -0.9370% | 6,928 |
| Pretax return on assets | -0.9370% | 6,875 |
| Return on Equity (ROE) | -0.9834% | 6,399 |
| Retained earnings to average equity (ytd only) | -0.9834% | 6,048 |
| Net charge-offs to loans | 10.8752% | 14 |
| Credit loss provision to net charge-offs | -16.8196% | 6,196 |
| Earnings coverage of net charge-offs (x) | -0.3272% | 5,465 |
| Efficiency ratio | 122.0165% | 323 |
| Assets per employee ($millions) | 1.8502% | 7,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.8759% | 6 |
| Loan loss allowance to noncurrent loans | 448.5714% | 735 |
| Noncurrent assets plus other real estate owned to assets | 1.5764% | 3,835 |
| Noncurrent loans to loans | 3.3163% | 2,155 |
| Net loans and leases to total assets | 40.4648% | 6,708 |
| Net loans and leases to deposits | 898.4000% | 10 |
| Net loans and leases to core deposits | 898.4000% | 29 |
| Total domestic deposits to total assets | 4.5041% | 7,494 |
| Equity capital to assets | 95.2347% | 5 |
| Core capital (leverage) ratio | 94.4509% | 6 |
| Tier 1 risk-based capital ratio | 189.6010% | 34 |
| Total risk-based capital ratio | 191.0092% | 33 |
| Memoranda: | ||
| Average total assets | $11,099,670 | 7,476 |
| Average earning assets | $10,679,330 | 7,458 |
| Average equity | $10,576,000 | 4,903 |
| Average total loans | $6,013,670 | 7,390 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6676% | 164 |
| Cost of funding earning assets | 0.2248% | 7,464 |
| Net interest margin | 6.4429% | 72 |
| Noninterest income to average assets | 2.4867% | 267 |
| Noninterest expense to average assets | 11.2082% | 68 |
| Loan and lease loss provision to assets | -1.9822% | 7,569 |
| Net operating income to assets | -0.5406% | 6,824 |
| Return on assets (ROA) | -0.5406% | 6,829 |
| Pretax return on assets | -0.5406% | 6,775 |
| Return on Equity (ROE) | -0.5672% | 6,435 |
| Retained earnings to average equity (ytd only) | -0.5672% | 5,902 |
| Net charge-offs to loans | 11.4071% | 28 |
| Credit loss provision to net charge-offs | -30.2198% | 5,618 |
| Earnings coverage of net charge-offs (x) | -0.3846% | 4,756 |
| Efficiency ratio | 129.0456% | 267 |
| Assets per employee ($millions) | 1.8490% | 7,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.4923% | 8 |
| Loan loss allowance to noncurrent loans | 418.9189% | 746 |
| Noncurrent assets plus other real estate owned to assets | 2.0011% | 3,313 |
| Noncurrent loans to loans | 3.6982% | 1,995 |
| Net loans and leases to total assets | 45.7274% | 6,311 |
| Net loans and leases to deposits | 1,014.6000% | 8 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 4.5069% | 7,558 |
| Equity capital to assets | 95.2948% | 2 |
| Core capital (leverage) ratio | 94.7581% | 4 |
| Tier 1 risk-based capital ratio | 175.1246% | 36 |
| Total risk-based capital ratio | 176.5537% | 35 |
| Memoranda: | ||
| Average total assets | $11,099,000 | 7,532 |
| Average earning assets | $10,678,500 | 7,515 |
| Average equity | $10,578,000 | 4,898 |
| Average total loans | $6,382,000 | 7,433 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1231% | 7,015 |
| Cost of funding earning assets | 0.0529% | 7,601 |
| Net interest margin | 4.0702% | 2,706 |
| Noninterest income to average assets | 0.7875% | 2,341 |
| Noninterest expense to average assets | 3.5469% | 2,059 |
| Loan and lease loss provision to assets | 1.9521% | 687 |
| Net operating income to assets | -0.8051% | 6,581 |
| Return on assets (ROA) | -0.8051% | 6,605 |
| Pretax return on assets | -0.8051% | 6,527 |
| Return on Equity (ROE) | -0.8163% | 6,049 |
| Retained earnings to average equity (ytd only) | -0.8163% | 5,772 |
| Net charge-offs to loans | 13.9247% | 6 |
| Credit loss provision to net charge-offs | 75.7705% | 5,703 |
| Earnings coverage of net charge-offs (x) | 0.4452% | 5,667 |
| Efficiency ratio | 75.5639% | 3,114 |
| Assets per employee ($millions) | 1.5863% | 7,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 17.2608% | 5 |
| Loan loss allowance to noncurrent loans | 382.6230% | 814 |
| Noncurrent assets plus other real estate owned to assets | 2.7468% | 2,542 |
| Noncurrent loans to loans | 4.5112% | 1,569 |
| Net loans and leases to total assets | 50.3782% | 6,132 |
| Net loans and leases to deposits | 1,118.8000% | 10 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 4.5029% | 7,637 |
| Equity capital to assets | 95.3170% | 3 |
| Core capital (leverage) ratio | 93.6967% | 8 |
| Tier 1 risk-based capital ratio | 163.6533% | 41 |
| Total risk-based capital ratio | 165.1109% | 41 |
| Memoranda: | ||
| Average total assets | $45,335,600 | 6,687 |
| Average earning assets | $43,511,400 | 6,597 |
| Average equity | $44,713,800 | 1,495 |
| Average total loans | $8,388,000 | 7,453 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1453% | 7,158 |
| Cost of funding earning assets | 0.0438% | 7,720 |
| Net interest margin | 4.1015% | 2,615 |
| Noninterest income to average assets | 0.7100% | 2,764 |
| Noninterest expense to average assets | 3.1023% | 3,325 |
| Loan and lease loss provision to assets | 1.8678% | 666 |
| Net operating income to assets | -0.3241% | 6,451 |
| Return on assets (ROA) | -0.3241% | 6,501 |
| Pretax return on assets | -0.3241% | 6,427 |
| Return on Equity (ROE) | -0.3280% | 6,189 |
| Retained earnings to average equity (ytd only) | -0.3280% | 5,867 |
| Net charge-offs to loans | 15.6301% | 7 |
| Credit loss provision to net charge-offs | 73.2299% | 5,334 |
| Earnings coverage of net charge-offs (x) | 0.6052% | 5,423 |
| Efficiency ratio | 66.7732% | 4,701 |
| Assets per employee ($millions) | 1.6214% | 7,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.8906% | 6 |
| Loan loss allowance to noncurrent loans | 469.6000% | 646 |
| Noncurrent assets plus other real estate owned to assets | 2.2026% | 3,198 |
| Noncurrent loans to loans | 3.3839% | 2,350 |
| Net loans and leases to total assets | 54.7489% | 5,734 |
| Net loans and leases to deposits | 1,242.8000% | 10 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 4.4053% | 7,741 |
| Equity capital to assets | 95.3921% | 4 |
| Core capital (leverage) ratio | 17.2865% | 403 |
| Tier 1 risk-based capital ratio | 161.9577% | 44 |
| Total risk-based capital ratio | 163.4139% | 44 |
| Memoranda: | ||
| Average total assets | $53,893,500 | 6,481 |
| Average earning assets | $51,719,500 | 6,374 |
| Average equity | $53,246,250 | 1,259 |
| Average total loans | $8,794,750 | 7,530 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3142% | 7,654 |
| Cost of funding earning assets | 0.0334% | 7,793 |
| Net interest margin | 3.2808% | 6,076 |
| Noninterest income to average assets | 0.5993% | 3,337 |
| Noninterest expense to average assets | 2.4826% | 5,781 |
| Loan and lease loss provision to assets | 1.4102% | 948 |
| Net operating income to assets | -0.1175% | 6,256 |
| Return on assets (ROA) | -0.1175% | 6,325 |
| Pretax return on assets | -0.1175% | 6,264 |
| Return on Equity (ROE) | -0.1187% | 6,200 |
| Retained earnings to average equity (ytd only) | -0.1187% | 5,760 |
| Net charge-offs to loans | 15.4151% | 10 |
| Credit loss provision to net charge-offs | 67.2269% | 5,038 |
| Earnings coverage of net charge-offs (x) | 0.6162% | 5,129 |
| Efficiency ratio | 65.7588% | 5,028 |
| Assets per employee ($millions) | 9.7034% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.7180% | 5 |
| Loan loss allowance to noncurrent loans | 643.3862% | 515 |
| Noncurrent assets plus other real estate owned to assets | 0.2783% | 6,718 |
| Noncurrent loans to loans | 2.2876% | 3,386 |
| Net loans and leases to total assets | 10.3734% | 7,754 |
| Net loans and leases to deposits | 1,409.2000% | 10 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.7361% | 7,827 |
| Equity capital to assets | 99.2374% | 1 |
| Core capital (leverage) ratio | 99.2121% | 2 |
| Tier 1 risk-based capital ratio | 358.6976% | 19 |
| Total risk-based capital ratio | 360.0075% | 19 |
| Memoranda: | ||
| Average total assets | $68,074,670 | 6,035 |
| Average earning assets | $65,898,670 | 5,903 |
| Average equity | $67,386,000 | 988 |
| Average total loans | $9,263,670 | 7,581 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3725% | 7,740 |
| Cost of funding earning assets | 0.0364% | 7,897 |
| Net interest margin | 3.3361% | 5,840 |
| Noninterest income to average assets | 0.6163% | 3,159 |
| Noninterest expense to average assets | 2.3360% | 6,293 |
| Loan and lease loss provision to assets | 1.8430% | 610 |
| Net operating income to assets | -0.3346% | 6,696 |
| Return on assets (ROA) | -0.3346% | 6,748 |
| Pretax return on assets | -0.3346% | 6,671 |
| Return on Equity (ROE) | -0.3384% | 6,450 |
| Retained earnings to average equity (ytd only) | -0.3384% | 5,907 |
| Net charge-offs to loans | 16.1401% | 17 |
| Credit loss provision to net charge-offs | 79.6954% | 3,882 |
| Earnings coverage of net charge-offs (x) | 0.6523% | 4,442 |
| Efficiency ratio | 60.7634% | 6,039 |
| Assets per employee ($millions) | 9.7251% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.0583% | 5 |
| Loan loss allowance to noncurrent loans | 241.6226% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 5,493 |
| Noncurrent loans to loans | 6.2321% | 1,030 |
| Net loans and leases to total assets | 11.3520% | 7,854 |
| Net loans and leases to deposits | 1,545.6000% | 12 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.7345% | 7,930 |
| Equity capital to assets | 98.9424% | 1 |
| Core capital (leverage) ratio | 98.8261% | 2 |
| Tier 1 risk-based capital ratio | 347.2365% | 18 |
| Total risk-based capital ratio | 348.5564% | 18 |
| Memoranda: | ||
| Average total assets | $68,150,000 | 6,103 |
| Average earning assets | $65,946,000 | 5,967 |
| Average equity | $67,376,000 | 988 |
| Average total loans | $9,764,500 | 7,662 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4541% | 141 |
| Cost of funding earning assets | 0.8119% | 7,539 |
| Net interest margin | 6.6422% | 61 |
| Noninterest income to average assets | 4.9840% | 144 |
| Noninterest expense to average assets | 11.1758% | 84 |
| Loan and lease loss provision to assets | 3.6813% | 406 |
| Net operating income to assets | -3.9290% | 7,592 |
| Return on assets (ROA) | -3.9290% | 7,593 |
| Pretax return on assets | -3.9290% | 7,510 |
| Return on Equity (ROE) | -9.8733% | 6,618 |
| Retained earnings to average equity (ytd only) | -9.8733% | 6,511 |
| Net charge-offs to loans | 14.1750% | 10 |
| Credit loss provision to net charge-offs | 36.4106% | 6,858 |
| Earnings coverage of net charge-offs (x) | -0.0245% | 6,235 |
| Efficiency ratio | 48.4768% | 7,610 |
| Assets per employee ($millions) | 13.6448% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.9009% | 9 |
| Loan loss allowance to noncurrent loans | 274.1021% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.7754% | 5,554 |
| Noncurrent loans to loans | 5.0714% | 1,326 |
| Net loans and leases to total assets | 13.1640% | 7,920 |
| Net loans and leases to deposits | 1,796.2000% | 12 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.7329% | 8,004 |
| Equity capital to assets | 98.7864% | 1 |
| Core capital (leverage) ratio | 93.0252% | 6 |
| Tier 1 risk-based capital ratio | 330.2160% | 18 |
| Total risk-based capital ratio | 331.5387% | 18 |
| Memoranda: | ||
| Average total assets | $176,022,600 | 3,503 |
| Average earning assets | $157,523,400 | 3,564 |
| Average equity | $70,047,400 | 929 |
| Average total loans | $125,551,800 | 3,361 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2351% | 71 |
| Cost of funding earning assets | 0.9409% | 7,499 |
| Net interest margin | 7.2942% | 44 |
| Noninterest income to average assets | 5.0423% | 138 |
| Noninterest expense to average assets | 12.1294% | 84 |
| Loan and lease loss provision to assets | 3.9899% | 303 |
| Net operating income to assets | -2.9862% | 7,579 |
| Return on assets (ROA) | -2.9862% | 7,589 |
| Pretax return on assets | -4.5943% | 7,766 |
| Return on Equity (ROE) | -8.5719% | 6,775 |
| Retained earnings to average equity (ytd only) | -8.5719% | 6,665 |
| Net charge-offs to loans | 15.0097% | 16 |
| Credit loss provision to net charge-offs | 34.9603% | 6,471 |
| Earnings coverage of net charge-offs (x) | -0.0530% | 6,131 |
| Efficiency ratio | 46.2696% | 7,759 |
| Assets per employee ($millions) | 9.7753% | 285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.9081% | 8 |
| Loan loss allowance to noncurrent loans | 514.7368% | 618 |
| Noncurrent assets plus other real estate owned to assets | 0.3644% | 6,575 |
| Noncurrent loans to loans | 2.5077% | 3,000 |
| Net loans and leases to total assets | 12.6570% | 8,004 |
| Net loans and leases to deposits | 1,979.6000% | 11 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.6394% | 8,094 |
| Equity capital to assets | 89.2266% | 16 |
| Core capital (leverage) ratio | 93.6868% | 6 |
| Tier 1 risk-based capital ratio | 270.6318% | 21 |
| Total risk-based capital ratio | 271.9350% | 21 |
| Memoranda: | ||
| Average total assets | $202,972,250 | 3,172 |
| Average earning assets | $180,394,500 | 3,231 |
| Average equity | $70,710,250 | 941 |
| Average total loans | $154,332,000 | 2,880 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6694% | 44 |
| Cost of funding earning assets | 1.1725% | 7,187 |
| Net interest margin | 8.4969% | 34 |
| Noninterest income to average assets | 4.8053% | 138 |
| Noninterest expense to average assets | 13.7715% | 72 |
| Loan and lease loss provision to assets | 4.9280% | 216 |
| Net operating income to assets | -4.1511% | 7,853 |
| Return on assets (ROA) | -4.1511% | 7,849 |
| Pretax return on assets | -6.3853% | 7,974 |
| Return on Equity (ROE) | -14.2943% | 7,300 |
| Retained earnings to average equity (ytd only) | -14.2943% | 7,202 |
| Net charge-offs to loans | 16.5604% | 21 |
| Credit loss provision to net charge-offs | 36.0299% | 5,958 |
| Earnings coverage of net charge-offs (x) | -0.1065% | 5,798 |
| Efficiency ratio | 43.1199% | 7,951 |
| Assets per employee ($millions) | 6.4798% | 975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 16.4401% | 6 |
| Loan loss allowance to noncurrent loans | 167.3139% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 1.7341% | 3,578 |
| Noncurrent loans to loans | 9.8259% | 365 |
| Net loans and leases to total assets | 14.7465% | 8,080 |
| Net loans and leases to deposits | 2,102.2000% | 11 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.7015% | 8,190 |
| Equity capital to assets | 97.2109% | 2 |
| Core capital (leverage) ratio | 30.5269% | 137 |
| Tier 1 risk-based capital ratio | 306.3620% | 19 |
| Total risk-based capital ratio | 307.7114% | 19 |
| Memoranda: | ||
| Average total assets | $244,562,330 | 2,704 |
| Average earning assets | $216,125,000 | 2,798 |
| Average equity | $71,021,330 | 944 |
| Average total loans | $201,987,670 | 2,329 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.5728% | 37 |
| Cost of funding earning assets | 0.9584% | 7,739 |
| Net interest margin | 9.6144% | 27 |
| Noninterest income to average assets | 4.5615% | 144 |
| Noninterest expense to average assets | 16.7027% | 62 |
| Loan and lease loss provision to assets | 5.4927% | 142 |
| Net operating income to assets | -5.9963% | 8,088 |
| Return on assets (ROA) | -5.9963% | 8,079 |
| Pretax return on assets | -9.2257% | 8,143 |
| Return on Equity (ROE) | -27.6267% | 7,878 |
| Retained earnings to average equity (ytd only) | -27.6267% | 7,822 |
| Net charge-offs to loans | 16.7379% | 23 |
| Credit loss provision to net charge-offs | 36.6331% | 4,861 |
| Earnings coverage of net charge-offs (x) | -0.2490% | 5,165 |
| Efficiency ratio | 32.4239% | 8,135 |
| Assets per employee ($millions) | 17.8522% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7080% | 2,116 |
| Loan loss allowance to noncurrent loans | 73.9623% | 3,920 |
| Noncurrent assets plus other real estate owned to assets | 2.0617% | 2,806 |
| Noncurrent loans to loans | 2.3093% | 2,845 |
| Net loans and leases to total assets | 87.7507% | 285 |
| Net loans and leases to deposits | 56,395.6000% | 7 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1556% | 8,247 |
| Equity capital to assets | 21.5999% | 328 |
| Core capital (leverage) ratio | 17.5137% | 602 |
| Tier 1 risk-based capital ratio | 18.0485% | 2,042 |
| Total risk-based capital ratio | 19.3026% | 1,987 |
| Memoranda: | ||
| Average total assets | $331,204,500 | 2,104 |
| Average earning assets | $289,649,000 | 2,185 |
| Average equity | $71,887,000 | 933 |
| Average total loans | $296,692,000 | 1,681 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4554% | 42 |
| Cost of funding earning assets | 2.9720% | 1,974 |
| Net interest margin | 7.4834% | 45 |
| Noninterest income to average assets | 5.2861% | 120 |
| Noninterest expense to average assets | 6.4688% | 338 |
| Loan and lease loss provision to assets | 5.2342% | 93 |
| Net operating income to assets | 0.0243% | 6,301 |
| Return on assets (ROA) | 0.0243% | 6,156 |
| Pretax return on assets | 0.0075% | 6,142 |
| Return on Equity (ROE) | 0.1159% | 6,189 |
| Retained earnings to average equity (ytd only) | 0.1159% | 5,163 |
| Net charge-offs to loans | 4.4508% | 131 |
| Credit loss provision to net charge-offs | 132.9019% | 4,004 |
| Earnings coverage of net charge-offs (x) | 1.3309% | 5,461 |
| Efficiency ratio | 40.7298% | 8,114 |
| Assets per employee ($millions) | 17.0535% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1653% | 165 |
| Loan loss allowance to noncurrent loans | 204.2720% | 1,907 |
| Noncurrent assets plus other real estate owned to assets | 1.8325% | 2,694 |
| Noncurrent loans to loans | 2.0391% | 2,713 |
| Net loans and leases to total assets | 86.1230% | 591 |
| Net loans and leases to deposits | 58,747.8000% | 6 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1466% | 8,305 |
| Equity capital to assets | 21.8035% | 360 |
| Core capital (leverage) ratio | 16.3083% | 782 |
| Tier 1 risk-based capital ratio | 15.8609% | 2,723 |
| Total risk-based capital ratio | 17.1447% | 2,647 |
| Memoranda: | ||
| Average total assets | $333,461,600 | 2,002 |
| Average earning assets | $286,274,000 | 2,127 |
| Average equity | $69,915,000 | 956 |
| Average total loans | $295,069,800 | 1,639 |