Home > United Kentucky Bank of Pendleton County, Inc. > Performance and Condition Ratios
United Kentucky Bank of Pendleton County, Inc., 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 | 4.3676% | 5,716 |
| Cost of funding earning assets | 0.8445% | 4,811 |
| Net interest margin | 3.5232% | 5,093 |
| Noninterest income to average assets | 2.4668% | 269 |
| Noninterest expense to average assets | 4.0007% | 1,001 |
| Loan and lease loss provision to assets | 0.0144% | 6,250 |
| Net operating income to assets | 1.4810% | 982 |
| Return on assets (ROA) | 1.5003% | 1,014 |
| Pretax return on assets | 1.5003% | 1,654 |
| Return on Equity (ROE) | 17.1119% | 552 |
| Retained earnings to average equity (ytd only) | 17.1119% | 138 |
| Net charge-offs to loans | 0.1963% | 4,231 |
| Credit loss provision to net charge-offs | 13.6364% | 5,635 |
| Earnings coverage of net charge-offs (x) | 14.1377% | 1,554 |
| Efficiency ratio | 72.7909% | 3,402 |
| Assets per employee ($millions) | 3.1349% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6250% | 1,236 |
| Loan loss allowance to noncurrent loans | 53.6377% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 3.7920% | 1,637 |
| Noncurrent loans to loans | 4.8939% | 1,290 |
| Net loans and leases to total assets | 55.6163% | 4,898 |
| Net loans and leases to deposits | 61.0549% | 5,511 |
| Net loans and leases to core deposits | 62.0380% | 5,809 |
| Total domestic deposits to total assets | 91.0921% | 409 |
| Equity capital to assets | 8.7125% | 6,073 |
| Core capital (leverage) ratio | 8.0995% | 6,285 |
| Tier 1 risk-based capital ratio | 14.0433% | 4,327 |
| Total risk-based capital ratio | 15.3095% | 4,286 |
| Memoranda: | ||
| Average total assets | $27,727,750 | 7,102 |
| Average earning assets | $23,841,500 | 7,119 |
| Average equity | $2,431,000 | 7,199 |
| Average total loans | $14,938,000 | 6,973 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4284% | 5,599 |
| Cost of funding earning assets | 0.8791% | 4,834 |
| Net interest margin | 3.5493% | 4,923 |
| Noninterest income to average assets | 3.8797% | 172 |
| Noninterest expense to average assets | 3.2575% | 2,713 |
| Loan and lease loss provision to assets | 0.0210% | 6,022 |
| Net operating income to assets | 3.6210% | 73 |
| Return on assets (ROA) | 3.6490% | 75 |
| Pretax return on assets | 3.6490% | 108 |
| Return on Equity (ROE) | 41.5440% | 32 |
| Retained earnings to average equity (ytd only) | 41.5440% | 20 |
| Net charge-offs to loans | 0.9510% | 1,644 |
| Credit loss provision to net charge-offs | 4.1667% | 5,298 |
| Earnings coverage of net charge-offs (x) | 7.2361% | 2,253 |
| Efficiency ratio | 47.2138% | 7,103 |
| Assets per employee ($millions) | 3.4779% | 4,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2871% | 1,771 |
| Loan loss allowance to noncurrent loans | 52.0767% | 4,896 |
| Noncurrent assets plus other real estate owned to assets | 3.1485% | 2,134 |
| Noncurrent loans to loans | 4.3917% | 1,533 |
| Net loans and leases to total assets | 50.0593% | 5,814 |
| Net loans and leases to deposits | 54.9017% | 6,235 |
| Net loans and leases to core deposits | 56.7702% | 6,363 |
| Total domestic deposits to total assets | 91.1800% | 435 |
| Equity capital to assets | 8.6080% | 6,050 |
| Core capital (leverage) ratio | 8.6341% | 5,337 |
| Tier 1 risk-based capital ratio | 14.8850% | 3,562 |
| Total risk-based capital ratio | 16.1342% | 3,532 |
| Memoranda: | ||
| Average total assets | $28,610,670 | 7,143 |
| Average earning assets | $24,342,670 | 7,167 |
| Average equity | $2,513,000 | 7,244 |
| Average total loans | $15,142,670 | 7,031 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5503% | 5,168 |
| Cost of funding earning assets | 0.9363% | 4,676 |
| Net interest margin | 3.6140% | 4,508 |
| Noninterest income to average assets | 0.4827% | 4,023 |
| Noninterest expense to average assets | 3.4064% | 2,268 |
| Loan and lease loss provision to assets | 0.0414% | 5,471 |
| Net operating income to assets | 0.0690% | 6,178 |
| Return on assets (ROA) | 0.1241% | 6,087 |
| Pretax return on assets | 0.1241% | 6,120 |
| Return on Equity (ROE) | 1.3997% | 6,021 |
| Retained earnings to average equity (ytd only) | 1.3997% | 5,266 |
| Net charge-offs to loans | -0.0513% | 6,894 |
| Credit loss provision to net charge-offs | -150.0000% | 5,773 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8627% | 881 |
| Assets per employee ($millions) | 3.5479% | 4,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6738% | 1,235 |
| Loan loss allowance to noncurrent loans | 153.2567% | 1,921 |
| Noncurrent assets plus other real estate owned to assets | 1.8004% | 3,566 |
| Noncurrent loans to loans | 1.7447% | 3,897 |
| Net loans and leases to total assets | 51.2983% | 5,674 |
| Net loans and leases to deposits | 55.0868% | 6,208 |
| Net loans and leases to core deposits | 56.8772% | 6,349 |
| Total domestic deposits to total assets | 93.1226% | 128 |
| Equity capital to assets | 6.6307% | 7,178 |
| Core capital (leverage) ratio | 6.3015% | 7,208 |
| Tier 1 risk-based capital ratio | 11.2392% | 6,320 |
| Total risk-based capital ratio | 12.4933% | 6,286 |
| Memoranda: | ||
| Average total assets | $29,004,500 | 7,183 |
| Average earning assets | $24,350,000 | 7,216 |
| Average equity | $2,572,000 | 7,276 |
| Average total loans | $15,587,000 | 7,053 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0548% | 4,300 |
| Cost of funding earning assets | 1.1247% | 5,000 |
| Net interest margin | 3.9301% | 3,345 |
| Noninterest income to average assets | 0.3720% | 5,120 |
| Noninterest expense to average assets | 3.0167% | 3,786 |
| Loan and lease loss provision to assets | 0.1860% | 5,370 |
| Net operating income to assets | 0.3179% | 4,873 |
| Return on assets (ROA) | 0.3179% | 5,040 |
| Pretax return on assets | 0.4194% | 4,884 |
| Return on Equity (ROE) | 2.9347% | 4,984 |
| Retained earnings to average equity (ytd only) | 2.9347% | 3,804 |
| Net charge-offs to loans | 0.1502% | 5,453 |
| Credit loss provision to net charge-offs | 229.1667% | 1,284 |
| Earnings coverage of net charge-offs (x) | 7.4583% | 2,127 |
| Efficiency ratio | 83.2866% | 2,019 |
| Assets per employee ($millions) | 4.2323% | 3,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4362% | 1,502 |
| Loan loss allowance to noncurrent loans | 182.8704% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 1.5729% | 3,946 |
| Noncurrent loans to loans | 1.3322% | 4,493 |
| Net loans and leases to total assets | 53.3957% | 5,716 |
| Net loans and leases to deposits | 60.1941% | 6,037 |
| Net loans and leases to core deposits | 62.1547% | 6,225 |
| Total domestic deposits to total assets | 88.7059% | 1,819 |
| Equity capital to assets | 11.0106% | 2,676 |
| Core capital (leverage) ratio | 10.7543% | 2,346 |
| Tier 1 risk-based capital ratio | 17.7853% | 2,069 |
| Total risk-based capital ratio | 19.0448% | 2,027 |
| Memoranda: | ||
| Average total assets | $29,568,600 | 7,217 |
| Average earning assets | $24,452,000 | 7,269 |
| Average equity | $3,203,000 | 7,219 |
| Average total loans | $15,976,200 | 7,122 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0691% | 4,482 |
| Cost of funding earning assets | 1.1483% | 5,158 |
| Net interest margin | 3.9208% | 3,445 |
| Noninterest income to average assets | 0.3293% | 5,524 |
| Noninterest expense to average assets | 3.0722% | 3,460 |
| Loan and lease loss provision to assets | 0.2075% | 4,986 |
| Net operating income to assets | 0.2030% | 5,502 |
| Return on assets (ROA) | 0.2030% | 5,658 |
| Pretax return on assets | 0.2842% | 5,547 |
| Return on Equity (ROE) | 1.8819% | 5,650 |
| Retained earnings to average equity (ytd only) | 1.8819% | 5,016 |
| Net charge-offs to loans | 0.2681% | 4,341 |
| Credit loss provision to net charge-offs | 143.7500% | 2,734 |
| Earnings coverage of net charge-offs (x) | 3.4059% | 3,466 |
| Efficiency ratio | 86.2025% | 1,611 |
| Assets per employee ($millions) | 4.1759% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3303% | 1,575 |
| Loan loss allowance to noncurrent loans | 145.3846% | 1,948 |
| Noncurrent assets plus other real estate owned to assets | 1.7447% | 3,826 |
| Noncurrent loans to loans | 1.6029% | 4,242 |
| Net loans and leases to total assets | 54.1993% | 5,822 |
| Net loans and leases to deposits | 61.1203% | 6,203 |
| Net loans and leases to core deposits | 63.1296% | 6,362 |
| Total domestic deposits to total assets | 88.6764% | 1,576 |
| Equity capital to assets | 10.9918% | 2,971 |
| Core capital (leverage) ratio | 10.9093% | 2,328 |
| Tier 1 risk-based capital ratio | 17.6927% | 2,116 |
| Total risk-based capital ratio | 18.9537% | 2,078 |
| Memoranda: | ||
| Average total assets | $29,554,250 | 7,310 |
| Average earning assets | $24,382,250 | 7,366 |
| Average equity | $3,188,250 | 7,313 |
| Average total loans | $15,916,750 | 7,214 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1684% | 4,101 |
| Cost of funding earning assets | 1.1769% | 5,255 |
| Net interest margin | 3.9915% | 3,059 |
| Noninterest income to average assets | 0.4585% | 4,449 |
| Noninterest expense to average assets | 3.2634% | 2,678 |
| Loan and lease loss provision to assets | 0.2495% | 4,428 |
| Net operating income to assets | 0.1551% | 5,704 |
| Return on assets (ROA) | 0.1551% | 5,825 |
| Pretax return on assets | 0.2158% | 5,736 |
| Return on Equity (ROE) | 1.4465% | 5,818 |
| Retained earnings to average equity (ytd only) | 1.4465% | 5,152 |
| Net charge-offs to loans | 0.4173% | 3,325 |
| Credit loss provision to net charge-offs | 112.1212% | 3,621 |
| Earnings coverage of net charge-offs (x) | 2.0909% | 3,982 |
| Efficiency ratio | 87.5226% | 1,556 |
| Assets per employee ($millions) | 4.1696% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3072% | 1,575 |
| Loan loss allowance to noncurrent loans | 167.2727% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 1.6103% | 4,025 |
| Noncurrent loans to loans | 1.3793% | 4,638 |
| Net loans and leases to total assets | 53.3868% | 6,063 |
| Net loans and leases to deposits | 60.1157% | 6,399 |
| Net loans and leases to core deposits | 62.0772% | 6,542 |
| Total domestic deposits to total assets | 88.8067% | 1,544 |
| Equity capital to assets | 10.9329% | 2,935 |
| Core capital (leverage) ratio | 10.8689% | 2,350 |
| Tier 1 risk-based capital ratio | 17.6806% | 2,040 |
| Total risk-based capital ratio | 18.9384% | 2,011 |
| Memoranda: | ||
| Average total assets | $29,662,000 | 7,357 |
| Average earning assets | $24,301,670 | 7,429 |
| Average equity | $3,180,000 | 7,363 |
| Average total loans | $15,815,330 | 7,271 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2677% | 3,697 |
| Cost of funding earning assets | 1.1852% | 5,483 |
| Net interest margin | 4.0825% | 2,518 |
| Noninterest income to average assets | 0.4415% | 4,549 |
| Noninterest expense to average assets | 3.0368% | 3,538 |
| Loan and lease loss provision to assets | 0.3746% | 3,123 |
| Net operating income to assets | 0.1739% | 5,775 |
| Return on assets (ROA) | 0.1739% | 5,903 |
| Pretax return on assets | 0.3478% | 5,464 |
| Return on Equity (ROE) | 1.6381% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.6381% | 5,118 |
| Net charge-offs to loans | -0.0254% | 7,138 |
| Credit loss provision to net charge-offs | -2,800.0000% | 6,565 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7829% | 2,442 |
| Assets per employee ($millions) | 4.2836% | 3,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5299% | 1,255 |
| Loan loss allowance to noncurrent loans | 107.3770% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 2.2878% | 3,165 |
| Noncurrent loans to loans | 2.3561% | 3,321 |
| Net loans and leases to total assets | 50.4952% | 6,419 |
| Net loans and leases to deposits | 56.6146% | 6,726 |
| Net loans and leases to core deposits | 58.3896% | 6,857 |
| Total domestic deposits to total assets | 89.1913% | 1,421 |
| Equity capital to assets | 10.6086% | 3,136 |
| Core capital (leverage) ratio | 10.6509% | 2,500 |
| Tier 1 risk-based capital ratio | 17.5659% | 2,056 |
| Total risk-based capital ratio | 18.8249% | 2,029 |
| Memoranda: | ||
| Average total assets | $29,899,500 | 7,447 |
| Average earning assets | $24,299,000 | 7,525 |
| Average equity | $3,174,500 | 7,446 |
| Average total loans | $15,748,000 | 7,362 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2098% | 5,609 |
| Cost of funding earning assets | 1.3975% | 5,943 |
| Net interest margin | 3.8122% | 3,650 |
| Noninterest income to average assets | 0.5089% | 4,346 |
| Noninterest expense to average assets | 3.7173% | 1,875 |
| Loan and lease loss provision to assets | 1.2638% | 1,827 |
| Net operating income to assets | -0.8796% | 6,496 |
| Return on assets (ROA) | -0.8796% | 6,495 |
| Pretax return on assets | -1.2638% | 6,580 |
| Return on Equity (ROE) | -7.7605% | 6,451 |
| Retained earnings to average equity (ytd only) | -7.7605% | 6,322 |
| Net charge-offs to loans | 1.4392% | 1,741 |
| Credit loss provision to net charge-offs | 163.7555% | 2,674 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 6,195 |
| Efficiency ratio | 100.0000% | 1,103 |
| Assets per employee ($millions) | 4.2591% | 3,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2804% | 1,515 |
| Loan loss allowance to noncurrent loans | 116.2939% | 2,423 |
| Noncurrent assets plus other real estate owned to assets | 2.1232% | 3,240 |
| Noncurrent loans to loans | 1.9609% | 3,713 |
| Net loans and leases to total assets | 52.3177% | 6,388 |
| Net loans and leases to deposits | 58.7628% | 6,725 |
| Net loans and leases to core deposits | 67.2705% | 6,919 |
| Total domestic deposits to total assets | 89.0320% | 1,466 |
| Equity capital to assets | 10.6259% | 3,043 |
| Core capital (leverage) ratio | 10.5677% | 2,536 |
| Tier 1 risk-based capital ratio | 16.8564% | 2,184 |
| Total risk-based capital ratio | 18.1175% | 2,157 |
| Memoranda: | ||
| Average total assets | $29,672,000 | 7,481 |
| Average earning assets | $24,972,400 | 7,545 |
| Average equity | $3,363,200 | 7,486 |
| Average total loans | $15,911,800 | 7,408 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2410% | 5,725 |
| Cost of funding earning assets | 1.4405% | 6,076 |
| Net interest margin | 3.8005% | 3,655 |
| Noninterest income to average assets | 0.4904% | 4,576 |
| Noninterest expense to average assets | 3.5091% | 2,261 |
| Loan and lease loss provision to assets | 0.2924% | 4,634 |
| Net operating income to assets | -0.0675% | 5,841 |
| Return on assets (ROA) | -0.0675% | 5,881 |
| Pretax return on assets | -0.0945% | 5,838 |
| Return on Equity (ROE) | -0.5862% | 5,866 |
| Retained earnings to average equity (ytd only) | -0.5862% | 5,375 |
| Net charge-offs to loans | 0.9812% | 2,008 |
| Credit loss provision to net charge-offs | 55.5556% | 6,234 |
| Earnings coverage of net charge-offs (x) | 0.3761% | 5,647 |
| Efficiency ratio | 94.6602% | 1,360 |
| Assets per employee ($millions) | 4.1019% | 3,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 6,142 |
| Loan loss allowance to noncurrent loans | 92.7374% | 2,963 |
| Noncurrent assets plus other real estate owned to assets | 1.9852% | 3,368 |
| Noncurrent loans to loans | 1.1038% | 5,106 |
| Net loans and leases to total assets | 55.8980% | 6,151 |
| Net loans and leases to deposits | 63.7056% | 6,518 |
| Net loans and leases to core deposits | 72.5785% | 6,807 |
| Total domestic deposits to total assets | 87.7442% | 1,782 |
| Equity capital to assets | 11.8901% | 2,297 |
| Core capital (leverage) ratio | 11.8484% | 1,869 |
| Tier 1 risk-based capital ratio | 18.2792% | 1,912 |
| Total risk-based capital ratio | 19.1680% | 1,963 |
| Memoranda: | ||
| Average total assets | $29,636,500 | 7,553 |
| Average earning assets | $25,083,750 | 7,607 |
| Average equity | $3,412,000 | 7,541 |
| Average total loans | $15,899,250 | 7,477 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2733% | 5,780 |
| Cost of funding earning assets | 1.5033% | 6,127 |
| Net interest margin | 3.7701% | 3,675 |
| Noninterest income to average assets | 0.4742% | 4,680 |
| Noninterest expense to average assets | 3.6067% | 2,057 |
| Loan and lease loss provision to assets | 0.2939% | 4,213 |
| Net operating income to assets | -0.1870% | 6,166 |
| Return on assets (ROA) | -0.1870% | 6,193 |
| Pretax return on assets | -0.2605% | 6,188 |
| Return on Equity (ROE) | -1.6416% | 6,169 |
| Retained earnings to average equity (ytd only) | -1.6416% | 5,658 |
| Net charge-offs to loans | -0.1013% | 7,953 |
| Credit loss provision to net charge-offs | -550.0000% | 7,064 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0826% | 1,221 |
| Assets per employee ($millions) | 4.0620% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7166% | 2,286 |
| Loan loss allowance to noncurrent loans | 56.4854% | 4,645 |
| Noncurrent assets plus other real estate owned to assets | 1.7338% | 3,580 |
| Noncurrent loans to loans | 3.0390% | 2,369 |
| Net loans and leases to total assets | 54.3680% | 6,400 |
| Net loans and leases to deposits | 62.0121% | 6,730 |
| Net loans and leases to core deposits | 71.6192% | 6,921 |
| Total domestic deposits to total assets | 87.6732% | 1,937 |
| Equity capital to assets | 11.9610% | 2,229 |
| Core capital (leverage) ratio | 11.6079% | 2,034 |
| Tier 1 risk-based capital ratio | 18.8265% | 1,811 |
| Total risk-based capital ratio | 20.0775% | 1,767 |
| Memoranda: | ||
| Average total assets | $29,944,330 | 7,606 |
| Average earning assets | $25,145,330 | 7,673 |
| Average equity | $3,411,330 | 7,602 |
| Average total loans | $15,793,670 | 7,547 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1967% | 6,307 |
| Cost of funding earning assets | 1.5966% | 6,041 |
| Net interest margin | 3.6001% | 4,315 |
| Noninterest income to average assets | 0.4560% | 4,714 |
| Noninterest expense to average assets | 3.2704% | 2,736 |
| Loan and lease loss provision to assets | 0.5082% | 2,440 |
| Net operating income to assets | -0.3257% | 6,714 |
| Return on assets (ROA) | -0.3257% | 6,787 |
| Pretax return on assets | -0.3257% | 6,694 |
| Return on Equity (ROE) | -2.9270% | 6,766 |
| Retained earnings to average equity (ytd only) | -2.9270% | 6,261 |
| Net charge-offs to loans | -0.1264% | 7,939 |
| Credit loss provision to net charge-offs | -780.0000% | 6,489 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7170% | 1,393 |
| Assets per employee ($millions) | 3.7721% | 4,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6805% | 2,209 |
| Loan loss allowance to noncurrent loans | 93.2384% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.0902% | 4,501 |
| Noncurrent loans to loans | 1.8023% | 3,559 |
| Net loans and leases to total assets | 50.7970% | 6,783 |
| Net loans and leases to deposits | 57.3647% | 7,079 |
| Net loans and leases to core deposits | 65.9823% | 7,241 |
| Total domestic deposits to total assets | 88.5509% | 1,458 |
| Equity capital to assets | 11.2801% | 2,740 |
| Core capital (leverage) ratio | 11.2291% | 2,317 |
| Tier 1 risk-based capital ratio | 18.5191% | 1,928 |
| Total risk-based capital ratio | 19.7704% | 1,887 |
| Memoranda: | ||
| Average total assets | $30,699,500 | 7,620 |
| Average earning assets | $25,554,500 | 7,699 |
| Average equity | $3,416,500 | 7,649 |
| Average total loans | $15,826,000 | 7,587 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9053% | 6,012 |
| Cost of funding earning assets | 2.6234% | 3,565 |
| Net interest margin | 3.2819% | 6,098 |
| Noninterest income to average assets | 0.6125% | 3,762 |
| Noninterest expense to average assets | 3.1486% | 3,520 |
| Loan and lease loss provision to assets | 0.8956% | 1,667 |
| Net operating income to assets | -0.4124% | 6,837 |
| Return on assets (ROA) | -0.4124% | 6,713 |
| Pretax return on assets | -0.5786% | 6,718 |
| Return on Equity (ROE) | -3.7710% | 6,717 |
| Retained earnings to average equity (ytd only) | -5.0374% | 6,523 |
| Net charge-offs to loans | 1.5745% | 728 |
| Credit loss provision to net charge-offs | 113.2296% | 4,764 |
| Earnings coverage of net charge-offs (x) | 0.4008% | 5,995 |
| Efficiency ratio | 90.8526% | 1,450 |
| Assets per employee ($millions) | 3.9028% | 3,724 |
| Cash dividends to net income (ytd only)* | -33.5821% | 8,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3573% | 3,435 |
| Loan loss allowance to noncurrent loans | 135.4037% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 5,211 |
| Noncurrent loans to loans | 1.0024% | 4,586 |
| Net loans and leases to total assets | 50.7431% | 6,963 |
| Net loans and leases to deposits | 57.1537% | 7,252 |
| Net loans and leases to core deposits | 65.6487% | 7,374 |
| Total domestic deposits to total assets | 88.7836% | 1,118 |
| Equity capital to assets | 10.9826% | 3,051 |
| Core capital (leverage) ratio | 10.7681% | 2,768 |
| Tier 1 risk-based capital ratio | 17.9303% | 2,054 |
| Total risk-based capital ratio | 19.0703% | 2,024 |
| Memoranda: | ||
| Average total assets | $32,490,800 | 7,538 |
| Average earning assets | $28,246,000 | 7,607 |
| Average equity | $3,553,400 | 7,659 |
| Average total loans | $16,322,600 | 7,564 |