Home > Viking Bank > Performance and Condition Ratios
Viking Bank, 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 | 4.7458% | 4,250 |
| Cost of funding earning assets | 0.8239% | 4,983 |
| Net interest margin | 3.9219% | 3,265 |
| Noninterest income to average assets | 0.1703% | 6,368 |
| Noninterest expense to average assets | 3.6781% | 1,541 |
| Loan and lease loss provision to assets | 2.0445% | 258 |
| Net operating income to assets | -1.9418% | 7,127 |
| Return on assets (ROA) | -1.9418% | 7,141 |
| Pretax return on assets | -1.9418% | 7,114 |
| Return on Equity (ROE) | -33.7760% | 7,224 |
| Retained earnings to average equity (ytd only) | -33.7760% | 7,217 |
| Net charge-offs to loans | 2.9050% | 334 |
| Credit loss provision to net charge-offs | 92.1509% | 3,704 |
| Earnings coverage of net charge-offs (x) | 0.0463% | 5,564 |
| Efficiency ratio | 97.2856% | 760 |
| Assets per employee ($millions) | 4.2108% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0571% | 828 |
| Loan loss allowance to noncurrent loans | 34.6411% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 9.0588% | 435 |
| Noncurrent loans to loans | 8.8251% | 459 |
| Net loans and leases to total assets | 71.6982% | 1,775 |
| Net loans and leases to deposits | 76.6807% | 3,215 |
| Net loans and leases to core deposits | 78.0201% | 3,911 |
| Total domestic deposits to total assets | 93.5022% | 104 |
| Equity capital to assets | 5.3501% | 7,237 |
| Core capital (leverage) ratio | 4.8601% | 7,250 |
| Tier 1 risk-based capital ratio | 6.8295% | 7,256 |
| Total risk-based capital ratio | 8.1026% | 7,259 |
| Memoranda: | ||
| Average total assets | $415,744,750 | 1,572 |
| Average earning assets | $382,729,250 | 1,558 |
| Average equity | $23,902,000 | 2,682 |
| Average total loans | $317,508,750 | 1,352 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7199% | 4,450 |
| Cost of funding earning assets | 0.8748% | 4,868 |
| Net interest margin | 3.8451% | 3,557 |
| Noninterest income to average assets | 0.3500% | 5,090 |
| Noninterest expense to average assets | 3.5635% | 1,828 |
| Loan and lease loss provision to assets | 2.1520% | 271 |
| Net operating income to assets | -1.8302% | 7,168 |
| Return on assets (ROA) | -1.8302% | 7,173 |
| Pretax return on assets | -1.8302% | 7,136 |
| Return on Equity (ROE) | -31.1770% | 7,258 |
| Retained earnings to average equity (ytd only) | -31.1770% | 7,251 |
| Net charge-offs to loans | 2.9404% | 355 |
| Credit loss provision to net charge-offs | 94.9170% | 3,312 |
| Earnings coverage of net charge-offs (x) | 0.1419% | 5,195 |
| Efficiency ratio | 91.7191% | 1,109 |
| Assets per employee ($millions) | 4.3611% | 3,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9013% | 981 |
| Loan loss allowance to noncurrent loans | 32.9262% | 6,098 |
| Noncurrent assets plus other real estate owned to assets | 9.8656% | 403 |
| Noncurrent loans to loans | 8.8117% | 477 |
| Net loans and leases to total assets | 74.7427% | 1,274 |
| Net loans and leases to deposits | 80.0529% | 2,786 |
| Net loans and leases to core deposits | 81.9826% | 3,502 |
| Total domestic deposits to total assets | 93.3666% | 111 |
| Equity capital to assets | 5.6083% | 7,286 |
| Core capital (leverage) ratio | 5.1349% | 7,288 |
| Tier 1 risk-based capital ratio | 6.8995% | 7,315 |
| Total risk-based capital ratio | 8.1704% | 7,321 |
| Memoranda: | ||
| Average total assets | $425,195,670 | 1,555 |
| Average earning assets | $390,940,330 | 1,541 |
| Average equity | $24,960,670 | 2,562 |
| Average total loans | $327,841,000 | 1,315 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6548% | 4,725 |
| Cost of funding earning assets | 0.9229% | 4,760 |
| Net interest margin | 3.7318% | 3,936 |
| Noninterest income to average assets | 1.4115% | 648 |
| Noninterest expense to average assets | 3.6781% | 1,579 |
| Loan and lease loss provision to assets | 2.2988% | 232 |
| Net operating income to assets | -1.1375% | 7,079 |
| Return on assets (ROA) | -1.1375% | 7,087 |
| Pretax return on assets | -1.1375% | 7,039 |
| Return on Equity (ROE) | -18.9811% | 7,207 |
| Retained earnings to average equity (ytd only) | -18.9811% | 7,137 |
| Net charge-offs to loans | 3.0745% | 347 |
| Credit loss provision to net charge-offs | 96.8992% | 2,815 |
| Earnings coverage of net charge-offs (x) | 0.4895% | 4,252 |
| Efficiency ratio | 76.0023% | 3,164 |
| Assets per employee ($millions) | 4.6714% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8392% | 1,070 |
| Loan loss allowance to noncurrent loans | 28.2723% | 6,394 |
| Noncurrent assets plus other real estate owned to assets | 10.9705% | 337 |
| Noncurrent loans to loans | 10.0425% | 405 |
| Net loans and leases to total assets | 72.6498% | 1,580 |
| Net loans and leases to deposits | 77.8187% | 3,089 |
| Net loans and leases to core deposits | 80.0455% | 3,752 |
| Total domestic deposits to total assets | 93.3578% | 110 |
| Equity capital to assets | 5.8460% | 7,303 |
| Core capital (leverage) ratio | 5.5104% | 7,311 |
| Tier 1 risk-based capital ratio | 7.4214% | 7,332 |
| Total risk-based capital ratio | 8.6922% | 7,335 |
| Memoranda: | ||
| Average total assets | $435,003,000 | 1,528 |
| Average earning assets | $399,590,000 | 1,519 |
| Average equity | $26,068,000 | 2,448 |
| Average total loans | $335,661,500 | 1,299 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0361% | 4,384 |
| Cost of funding earning assets | 1.3704% | 3,451 |
| Net interest margin | 3.6658% | 4,510 |
| Noninterest income to average assets | -0.3818% | 7,538 |
| Noninterest expense to average assets | 2.8996% | 4,225 |
| Loan and lease loss provision to assets | 2.0641% | 626 |
| Net operating income to assets | -2.0373% | 7,065 |
| Return on assets (ROA) | -1.8524% | 7,037 |
| Pretax return on assets | -1.8088% | 6,964 |
| Return on Equity (ROE) | -29.8666% | 7,228 |
| Retained earnings to average equity (ytd only) | -29.8666% | 7,215 |
| Net charge-offs to loans | 3.3002% | 463 |
| Credit loss provision to net charge-offs | 81.9533% | 5,488 |
| Earnings coverage of net charge-offs (x) | 0.0280% | 6,095 |
| Efficiency ratio | 97.6290% | 885 |
| Assets per employee ($millions) | 4.6337% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6850% | 1,190 |
| Loan loss allowance to noncurrent loans | 25.4940% | 6,573 |
| Noncurrent assets plus other real estate owned to assets | 11.0735% | 346 |
| Noncurrent loans to loans | 10.5318% | 384 |
| Net loans and leases to total assets | 77.4112% | 1,030 |
| Net loans and leases to deposits | 83.5307% | 2,523 |
| Net loans and leases to core deposits | 88.9368% | 2,912 |
| Total domestic deposits to total assets | 92.6740% | 168 |
| Equity capital to assets | 6.1389% | 7,323 |
| Core capital (leverage) ratio | 5.2995% | 7,385 |
| Tier 1 risk-based capital ratio | 6.9860% | 7,424 |
| Total risk-based capital ratio | 8.2553% | 7,428 |
| Memoranda: | ||
| Average total assets | $515,488,400 | 1,299 |
| Average earning assets | $471,332,800 | 1,298 |
| Average equity | $31,972,200 | 2,051 |
| Average total loans | $393,404,600 | 1,145 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9584% | 4,999 |
| Cost of funding earning assets | 1.4484% | 3,285 |
| Net interest margin | 3.5099% | 5,253 |
| Noninterest income to average assets | -0.0207% | 7,473 |
| Noninterest expense to average assets | 2.8234% | 4,384 |
| Loan and lease loss provision to assets | 2.4402% | 444 |
| Net operating income to assets | -2.0766% | 7,255 |
| Return on assets (ROA) | -2.0766% | 7,276 |
| Pretax return on assets | -2.0766% | 7,218 |
| Return on Equity (ROE) | -33.4121% | 7,436 |
| Retained earnings to average equity (ytd only) | -33.4121% | 7,431 |
| Net charge-offs to loans | 3.3910% | 413 |
| Credit loss provision to net charge-offs | 95.1087% | 4,559 |
| Earnings coverage of net charge-offs (x) | 0.1417% | 5,884 |
| Efficiency ratio | 88.5929% | 1,402 |
| Assets per employee ($millions) | 4.9662% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0800% | 771 |
| Loan loss allowance to noncurrent loans | 22.0259% | 6,815 |
| Noncurrent assets plus other real estate owned to assets | 14.6837% | 164 |
| Noncurrent loans to loans | 13.9835% | 187 |
| Net loans and leases to total assets | 74.3160% | 1,734 |
| Net loans and leases to deposits | 80.0375% | 3,443 |
| Net loans and leases to core deposits | 86.6524% | 3,565 |
| Total domestic deposits to total assets | 92.8514% | 110 |
| Equity capital to assets | 6.0716% | 7,478 |
| Core capital (leverage) ratio | 5.1213% | 7,537 |
| Tier 1 risk-based capital ratio | 6.9524% | 7,551 |
| Total risk-based capital ratio | 8.2253% | 7,555 |
| Memoranda: | ||
| Average total assets | $535,468,000 | 1,265 |
| Average earning assets | $489,342,500 | 1,270 |
| Average equity | $33,280,500 | 2,003 |
| Average total loans | $405,135,000 | 1,123 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8713% | 5,528 |
| Cost of funding earning assets | 1.5069% | 3,220 |
| Net interest margin | 3.3644% | 5,780 |
| Noninterest income to average assets | 0.1376% | 6,894 |
| Noninterest expense to average assets | 2.6902% | 4,950 |
| Loan and lease loss provision to assets | 2.1915% | 546 |
| Net operating income to assets | -1.6630% | 7,206 |
| Return on assets (ROA) | -1.6630% | 7,216 |
| Pretax return on assets | -1.6630% | 7,131 |
| Return on Equity (ROE) | -26.5838% | 7,390 |
| Retained earnings to average equity (ytd only) | -26.5838% | 7,375 |
| Net charge-offs to loans | 3.2117% | 479 |
| Credit loss provision to net charge-offs | 90.5313% | 4,411 |
| Earnings coverage of net charge-offs (x) | 0.2183% | 5,508 |
| Efficiency ratio | 83.5808% | 1,969 |
| Assets per employee ($millions) | 5.4987% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8531% | 956 |
| Loan loss allowance to noncurrent loans | 21.6894% | 6,864 |
| Noncurrent assets plus other real estate owned to assets | 12.7285% | 234 |
| Noncurrent loans to loans | 13.1544% | 226 |
| Net loans and leases to total assets | 71.7526% | 2,469 |
| Net loans and leases to deposits | 78.9686% | 3,803 |
| Net loans and leases to core deposits | 88.2761% | 3,511 |
| Total domestic deposits to total assets | 90.8621% | 543 |
| Equity capital to assets | 6.2233% | 7,509 |
| Core capital (leverage) ratio | 5.4526% | 7,558 |
| Tier 1 risk-based capital ratio | 7.3294% | 7,572 |
| Total risk-based capital ratio | 8.5985% | 7,579 |
| Memoranda: | ||
| Average total assets | $556,695,000 | 1,221 |
| Average earning assets | $509,802,000 | 1,217 |
| Average equity | $34,825,670 | 1,918 |
| Average total loans | $419,595,000 | 1,087 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7893% | 5,927 |
| Cost of funding earning assets | 1.5658% | 3,163 |
| Net interest margin | 3.2234% | 6,217 |
| Noninterest income to average assets | 0.2154% | 6,420 |
| Noninterest expense to average assets | 2.6397% | 5,186 |
| Loan and lease loss provision to assets | 1.3941% | 862 |
| Net operating income to assets | -0.8567% | 7,040 |
| Return on assets (ROA) | -0.8567% | 7,068 |
| Pretax return on assets | -0.8567% | 6,982 |
| Return on Equity (ROE) | -13.6616% | 7,279 |
| Retained earnings to average equity (ytd only) | -13.6616% | 7,155 |
| Net charge-offs to loans | 0.7845% | 1,955 |
| Credit loss provision to net charge-offs | 233.6449% | 1,635 |
| Earnings coverage of net charge-offs (x) | 0.9007% | 4,240 |
| Efficiency ratio | 83.0847% | 2,131 |
| Assets per employee ($millions) | 5.4982% | 1,670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9902% | 827 |
| Loan loss allowance to noncurrent loans | 21.4796% | 6,939 |
| Noncurrent assets plus other real estate owned to assets | 13.5957% | 180 |
| Noncurrent loans to loans | 13.9211% | 216 |
| Net loans and leases to total assets | 74.7218% | 1,805 |
| Net loans and leases to deposits | 80.6223% | 3,529 |
| Net loans and leases to core deposits | 92.6936% | 3,013 |
| Total domestic deposits to total assets | 92.6813% | 144 |
| Equity capital to assets | 6.3926% | 7,550 |
| Core capital (leverage) ratio | 5.6943% | 7,624 |
| Tier 1 risk-based capital ratio | 7.3568% | 7,672 |
| Total risk-based capital ratio | 8.6277% | 7,676 |
| Memoranda: | ||
| Average total assets | $573,856,000 | 1,214 |
| Average earning assets | $527,262,000 | 1,206 |
| Average equity | $35,984,000 | 1,870 |
| Average total loans | $436,480,500 | 1,066 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4991% | 4,146 |
| Cost of funding earning assets | 2.1852% | 2,099 |
| Net interest margin | 3.3139% | 5,685 |
| Noninterest income to average assets | -0.4795% | 7,939 |
| Noninterest expense to average assets | 2.6423% | 5,622 |
| Loan and lease loss provision to assets | 3.2724% | 493 |
| Net operating income to assets | -2.3726% | 7,221 |
| Return on assets (ROA) | -2.3726% | 7,226 |
| Pretax return on assets | -3.4072% | 7,393 |
| Return on Equity (ROE) | -31.9144% | 7,438 |
| Retained earnings to average equity (ytd only) | -31.9144% | 7,423 |
| Net charge-offs to loans | 4.2106% | 370 |
| Credit loss provision to net charge-offs | 98.1080% | 5,680 |
| Earnings coverage of net charge-offs (x) | -0.0404% | 6,261 |
| Efficiency ratio | 105.3756% | 924 |
| Assets per employee ($millions) | 6.3021% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6157% | 1,107 |
| Loan loss allowance to noncurrent loans | 16.5480% | 7,199 |
| Noncurrent assets plus other real estate owned to assets | 14.2162% | 160 |
| Noncurrent loans to loans | 15.8069% | 152 |
| Net loans and leases to total assets | 73.1914% | 2,453 |
| Net loans and leases to deposits | 78.7098% | 4,229 |
| Net loans and leases to core deposits | 114.5188% | 2,456 |
| Total domestic deposits to total assets | 92.9890% | 126 |
| Equity capital to assets | 6.1562% | 7,642 |
| Core capital (leverage) ratio | 5.4758% | 7,716 |
| Tier 1 risk-based capital ratio | 7.4973% | 7,699 |
| Total risk-based capital ratio | 8.7639% | 7,704 |
| Memoranda: | ||
| Average total assets | $617,980,800 | 1,120 |
| Average earning assets | $557,020,000 | 1,131 |
| Average equity | $45,941,600 | 1,465 |
| Average total loans | $489,549,400 | 986 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7587% | 3,069 |
| Cost of funding earning assets | 2.3059% | 1,961 |
| Net interest margin | 3.4527% | 5,063 |
| Noninterest income to average assets | -0.2498% | 7,997 |
| Noninterest expense to average assets | 2.6748% | 5,435 |
| Loan and lease loss provision to assets | 2.1386% | 818 |
| Net operating income to assets | -1.2590% | 6,995 |
| Return on assets (ROA) | -1.2590% | 7,000 |
| Pretax return on assets | -1.9695% | 7,168 |
| Return on Equity (ROE) | -16.2724% | 7,248 |
| Retained earnings to average equity (ytd only) | -16.2724% | 7,199 |
| Net charge-offs to loans | 2.3801% | 775 |
| Credit loss provision to net charge-offs | 112.0622% | 4,529 |
| Earnings coverage of net charge-offs (x) | 0.0886% | 5,956 |
| Efficiency ratio | 94.0532% | 1,394 |
| Assets per employee ($millions) | 6.3848% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7323% | 854 |
| Loan loss allowance to noncurrent loans | 34.4761% | 6,131 |
| Noncurrent assets plus other real estate owned to assets | 8.9051% | 440 |
| Noncurrent loans to loans | 7.9252% | 620 |
| Net loans and leases to total assets | 73.8572% | 2,566 |
| Net loans and leases to deposits | 83.3902% | 3,758 |
| Net loans and leases to core deposits | 125.1095% | 1,804 |
| Total domestic deposits to total assets | 88.5682% | 1,401 |
| Equity capital to assets | 7.1712% | 7,509 |
| Core capital (leverage) ratio | 6.9659% | 7,458 |
| Tier 1 risk-based capital ratio | 8.9700% | 7,631 |
| Total risk-based capital ratio | 10.2377% | 7,639 |
| Memoranda: | ||
| Average total assets | $624,377,000 | 1,125 |
| Average earning assets | $559,467,750 | 1,140 |
| Average equity | $48,309,750 | 1,412 |
| Average total loans | $500,629,500 | 973 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8796% | 2,676 |
| Cost of funding earning assets | 2.4179% | 1,890 |
| Net interest margin | 3.4617% | 4,959 |
| Noninterest income to average assets | -0.2509% | 8,082 |
| Noninterest expense to average assets | 2.6204% | 5,656 |
| Loan and lease loss provision to assets | 1.9186% | 855 |
| Net operating income to assets | -1.1164% | 7,063 |
| Return on assets (ROA) | -1.1164% | 7,064 |
| Pretax return on assets | -1.7157% | 7,178 |
| Return on Equity (ROE) | -14.0802% | 7,285 |
| Retained earnings to average equity (ytd only) | -14.0802% | 7,186 |
| Net charge-offs to loans | 2.3849% | 746 |
| Credit loss provision to net charge-offs | 98.5625% | 4,657 |
| Earnings coverage of net charge-offs (x) | 0.1043% | 5,569 |
| Efficiency ratio | 92.8116% | 1,582 |
| Assets per employee ($millions) | 5.8827% | 1,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3920% | 1,001 |
| Loan loss allowance to noncurrent loans | 48.6384% | 5,106 |
| Noncurrent assets plus other real estate owned to assets | 6.4921% | 706 |
| Noncurrent loans to loans | 4.9179% | 1,259 |
| Net loans and leases to total assets | 74.6721% | 2,524 |
| Net loans and leases to deposits | 84.0841% | 3,864 |
| Net loans and leases to core deposits | 138.9331% | 1,059 |
| Total domestic deposits to total assets | 88.8065% | 1,370 |
| Equity capital to assets | 7.2710% | 7,430 |
| Core capital (leverage) ratio | 7.4758% | 7,051 |
| Tier 1 risk-based capital ratio | 9.0861% | 7,646 |
| Total risk-based capital ratio | 10.3496% | 7,652 |
| Memoranda: | ||
| Average total assets | $621,803,330 | 1,147 |
| Average earning assets | $552,217,670 | 1,174 |
| Average equity | $49,303,330 | 1,395 |
| Average total loans | $507,518,000 | 982 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9612% | 2,517 |
| Cost of funding earning assets | 2.5511% | 1,736 |
| Net interest margin | 3.4101% | 5,097 |
| Noninterest income to average assets | 0.1927% | 6,916 |
| Noninterest expense to average assets | 2.4308% | 6,091 |
| Loan and lease loss provision to assets | 0.3299% | 3,343 |
| Net operating income to assets | 0.2817% | 5,363 |
| Return on assets (ROA) | 0.2817% | 5,532 |
| Pretax return on assets | 0.4131% | 5,353 |
| Return on Equity (ROE) | 3.4013% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.4013% | 3,992 |
| Net charge-offs to loans | 2.1599% | 663 |
| Credit loss provision to net charge-offs | 18.1028% | 5,092 |
| Earnings coverage of net charge-offs (x) | 0.4077% | 4,662 |
| Efficiency ratio | 76.5904% | 3,391 |
| Assets per employee ($millions) | 6.0252% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 1,622 |
| Loan loss allowance to noncurrent loans | 35.9826% | 6,164 |
| Noncurrent assets plus other real estate owned to assets | 7.1517% | 465 |
| Noncurrent loans to loans | 5.2739% | 1,004 |
| Net loans and leases to total assets | 77.9462% | 1,841 |
| Net loans and leases to deposits | 88.5415% | 3,190 |
| Net loans and leases to core deposits | 154.4538% | 590 |
| Total domestic deposits to total assets | 88.0336% | 1,733 |
| Equity capital to assets | 8.0220% | 6,771 |
| Core capital (leverage) ratio | 8.4167% | 5,688 |
| Tier 1 risk-based capital ratio | 9.5820% | 7,359 |
| Total risk-based capital ratio | 10.8393% | 7,286 |
| Memoranda: | ||
| Average total assets | $606,217,500 | 1,179 |
| Average earning assets | $529,961,500 | 1,223 |
| Average equity | $50,216,000 | 1,368 |
| Average total loans | $511,507,500 | 977 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7332% | 1,920 |
| Cost of funding earning assets | 2.8203% | 2,628 |
| Net interest margin | 3.9129% | 3,505 |
| Noninterest income to average assets | 0.4513% | 5,029 |
| Noninterest expense to average assets | 2.5494% | 5,829 |
| Loan and lease loss provision to assets | 2.3217% | 477 |
| Net operating income to assets | -0.5310% | 6,943 |
| Return on assets (ROA) | -0.5310% | 6,822 |
| Pretax return on assets | -0.8063% | 6,881 |
| Return on Equity (ROE) | -6.0854% | 6,967 |
| Retained earnings to average equity (ytd only) | -6.0854% | 6,673 |
| Net charge-offs to loans | 1.5264% | 757 |
| Credit loss provision to net charge-offs | 164.6887% | 3,125 |
| Earnings coverage of net charge-offs (x) | 1.0749% | 5,591 |
| Efficiency ratio | 62.7193% | 5,826 |
| Assets per employee ($millions) | 4.9982% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3130% | 839 |
| Loan loss allowance to noncurrent loans | 48.2463% | 5,595 |
| Noncurrent assets plus other real estate owned to assets | 6.0939% | 480 |
| Noncurrent loans to loans | 4.7942% | 951 |
| Net loans and leases to total assets | 87.6726% | 397 |
| Net loans and leases to deposits | 100.2894% | 1,812 |
| Net loans and leases to core deposits | 156.6153% | 654 |
| Total domestic deposits to total assets | 87.4196% | 1,743 |
| Equity capital to assets | 8.5688% | 5,981 |
| Core capital (leverage) ratio | 8.5990% | 5,381 |
| Tier 1 risk-based capital ratio | 9.4737% | 7,339 |
| Total risk-based capital ratio | 10.7363% | 7,243 |
| Memoranda: | ||
| Average total assets | $559,466,400 | 1,210 |
| Average earning assets | $516,652,000 | 1,200 |
| Average equity | $48,821,800 | 1,401 |
| Average total loans | $516,698,200 | 920 |