Home > Waccamaw Bank > Performance and Condition Ratios
Waccamaw Bank, Performance and Condition Ratios
| 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 | 3.7734% | 6,307 |
| Cost of funding earning assets | 1.3336% | 549 |
| Net interest margin | 2.4398% | 6,989 |
| Noninterest income to average assets | 0.8090% | 2,121 |
| Noninterest expense to average assets | 3.5930% | 1,572 |
| Loan and lease loss provision to assets | 1.9758% | 144 |
| Net operating income to assets | -2.6139% | 7,202 |
| Return on assets (ROA) | -2.5369% | 7,195 |
| Pretax return on assets | -2.5120% | 7,176 |
| Return on Equity (ROE) | -276.0850% | 7,296 |
| Retained earnings to average equity (ytd only) | -276.0850% | 7,295 |
| Net charge-offs to loans | 3.3368% | 199 |
| Credit loss provision to net charge-offs | 96.7672% | 2,429 |
| Earnings coverage of net charge-offs (x) | -0.3003% | 4,463 |
| Efficiency ratio | 120.3544% | 217 |
| Assets per employee ($millions) | 4.2993% | 3,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1827% | 319 |
| Loan loss allowance to noncurrent loans | 33.2476% | 6,010 |
| Noncurrent assets plus other real estate owned to assets | 9.5460% | 334 |
| Noncurrent loans to loans | 12.5806% | 177 |
| Net loans and leases to total assets | 58.9114% | 3,875 |
| Net loans and leases to deposits | 66.4401% | 4,309 |
| Net loans and leases to core deposits | 79.8830% | 3,083 |
| Total domestic deposits to total assets | 88.6685% | 1,904 |
| Equity capital to assets | 0.6072% | 7,302 |
| Core capital (leverage) ratio | 0.8510% | 7,301 |
| Tier 1 risk-based capital ratio | 1.2437% | 7,301 |
| Total risk-based capital ratio | 2.4873% | 7,301 |
| Memoranda: | ||
| Average total assets | $545,390,000 | 1,248 |
| Average earning assets | $485,285,500 | 1,279 |
| Average equity | $5,011,500 | 6,426 |
| Average total loans | $333,731,500 | 1,270 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1439% | 6,196 |
| Cost of funding earning assets | 1.4990% | 721 |
| Net interest margin | 2.6449% | 6,974 |
| Noninterest income to average assets | 0.8876% | 1,718 |
| Noninterest expense to average assets | 4.7316% | 479 |
| Loan and lease loss provision to assets | 2.4772% | 181 |
| Net operating income to assets | -3.8683% | 7,247 |
| Return on assets (ROA) | -3.6826% | 7,240 |
| Pretax return on assets | -3.7812% | 7,257 |
| Return on Equity (ROE) | -101.9003% | 7,312 |
| Retained earnings to average equity (ytd only) | -101.9003% | 7,312 |
| Net charge-offs to loans | 4.2372% | 130 |
| Credit loss provision to net charge-offs | 89.0628% | 4,048 |
| Earnings coverage of net charge-offs (x) | -0.5376% | 6,091 |
| Efficiency ratio | 146.0130% | 156 |
| Assets per employee ($millions) | 4.0411% | 3,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0628% | 368 |
| Loan loss allowance to noncurrent loans | 32.6914% | 6,033 |
| Noncurrent assets plus other real estate owned to assets | 9.6809% | 356 |
| Noncurrent loans to loans | 12.4279% | 198 |
| Net loans and leases to total assets | 58.4377% | 4,293 |
| Net loans and leases to deposits | 66.1392% | 4,711 |
| Net loans and leases to core deposits | 82.8443% | 3,053 |
| Total domestic deposits to total assets | 88.3556% | 1,936 |
| Equity capital to assets | 1.2169% | 7,340 |
| Core capital (leverage) ratio | 1.4069% | 7,339 |
| Tier 1 risk-based capital ratio | 2.1009% | 7,338 |
| Total risk-based capital ratio | 3.9934% | 7,323 |
| Memoranda: | ||
| Average total assets | $571,966,000 | 1,153 |
| Average earning assets | $507,874,800 | 1,191 |
| Average equity | $20,670,200 | 3,045 |
| Average total loans | $375,458,600 | 1,132 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2121% | 6,177 |
| Cost of funding earning assets | 1.5100% | 824 |
| Net interest margin | 2.7021% | 6,987 |
| Noninterest income to average assets | 0.9021% | 1,642 |
| Noninterest expense to average assets | 3.8022% | 1,303 |
| Loan and lease loss provision to assets | 2.9509% | 115 |
| Net operating income to assets | -3.2141% | 7,292 |
| Return on assets (ROA) | -2.9907% | 7,276 |
| Pretax return on assets | -3.2117% | 7,288 |
| Return on Equity (ROE) | -71.3008% | 7,347 |
| Retained earnings to average equity (ytd only) | -71.3008% | 7,345 |
| Net charge-offs to loans | 4.4706% | 125 |
| Credit loss provision to net charge-offs | 98.8285% | 3,459 |
| Earnings coverage of net charge-offs (x) | -0.1678% | 5,706 |
| Efficiency ratio | 114.9895% | 361 |
| Assets per employee ($millions) | 4.2447% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3250% | 305 |
| Loan loss allowance to noncurrent loans | 37.8226% | 5,754 |
| Noncurrent assets plus other real estate owned to assets | 9.5548% | 390 |
| Noncurrent loans to loans | 11.4349% | 264 |
| Net loans and leases to total assets | 58.1200% | 4,492 |
| Net loans and leases to deposits | 66.5684% | 4,818 |
| Net loans and leases to core deposits | 86.7990% | 2,675 |
| Total domestic deposits to total assets | 87.3087% | 2,467 |
| Equity capital to assets | 2.6567% | 7,375 |
| Core capital (leverage) ratio | 2.7423% | 7,361 |
| Tier 1 risk-based capital ratio | 4.0161% | 7,364 |
| Total risk-based capital ratio | 5.8712% | 7,343 |
| Memoranda: | ||
| Average total assets | $575,541,000 | 1,154 |
| Average earning assets | $510,994,250 | 1,181 |
| Average equity | $24,141,250 | 2,657 |
| Average total loans | $384,401,250 | 1,125 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2617% | 6,131 |
| Cost of funding earning assets | 1.5169% | 950 |
| Net interest margin | 2.7448% | 6,979 |
| Noninterest income to average assets | 0.8844% | 1,697 |
| Noninterest expense to average assets | 2.8763% | 4,121 |
| Loan and lease loss provision to assets | 1.2529% | 609 |
| Net operating income to assets | -0.5876% | 6,752 |
| Return on assets (ROA) | -0.5306% | 6,738 |
| Pretax return on assets | -0.7289% | 6,788 |
| Return on Equity (ROE) | -11.2440% | 6,973 |
| Retained earnings to average equity (ytd only) | -11.2440% | 6,920 |
| Net charge-offs to loans | 1.8334% | 749 |
| Credit loss provision to net charge-offs | 99.2523% | 3,189 |
| Earnings coverage of net charge-offs (x) | 0.3534% | 5,040 |
| Efficiency ratio | 86.3847% | 1,560 |
| Assets per employee ($millions) | 4.3446% | 3,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0693% | 398 |
| Loan loss allowance to noncurrent loans | 29.8829% | 6,267 |
| Noncurrent assets plus other real estate owned to assets | 11.0535% | 307 |
| Noncurrent loans to loans | 13.6175% | 177 |
| Net loans and leases to total assets | 62.8214% | 3,714 |
| Net loans and leases to deposits | 74.3699% | 3,744 |
| Net loans and leases to core deposits | 100.6232% | 1,290 |
| Total domestic deposits to total assets | 84.4716% | 4,134 |
| Equity capital to assets | 4.5234% | 7,355 |
| Core capital (leverage) ratio | 4.7058% | 7,325 |
| Tier 1 risk-based capital ratio | 6.4903% | 7,340 |
| Total risk-based capital ratio | 8.4526% | 7,302 |
| Memoranda: | ||
| Average total assets | $572,131,000 | 1,169 |
| Average earning assets | $508,158,330 | 1,198 |
| Average equity | $27,001,000 | 2,385 |
| Average total loans | $393,921,670 | 1,099 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3224% | 5,941 |
| Cost of funding earning assets | 1.5316% | 1,048 |
| Net interest margin | 2.7908% | 6,918 |
| Noninterest income to average assets | 0.9021% | 1,657 |
| Noninterest expense to average assets | 2.7127% | 4,785 |
| Loan and lease loss provision to assets | 0.6524% | 1,325 |
| Net operating income to assets | 0.2109% | 5,755 |
| Return on assets (ROA) | 0.2250% | 5,766 |
| Pretax return on assets | 0.0289% | 6,305 |
| Return on Equity (ROE) | 4.6681% | 4,572 |
| Retained earnings to average equity (ytd only) | 4.6681% | 3,397 |
| Net charge-offs to loans | 3.0720% | 348 |
| Credit loss provision to net charge-offs | 30.0911% | 4,114 |
| Earnings coverage of net charge-offs (x) | 0.3077% | 4,385 |
| Efficiency ratio | 80.0710% | 2,517 |
| Assets per employee ($millions) | 4.2809% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3861% | 667 |
| Loan loss allowance to noncurrent loans | 27.7796% | 6,420 |
| Noncurrent assets plus other real estate owned to assets | 10.0339% | 414 |
| Noncurrent loans to loans | 12.1891% | 265 |
| Net loans and leases to total assets | 65.1531% | 3,211 |
| Net loans and leases to deposits | 77.3992% | 3,175 |
| Net loans and leases to core deposits | 106.5160% | 915 |
| Total domestic deposits to total assets | 84.1780% | 4,418 |
| Equity capital to assets | 4.7250% | 7,391 |
| Core capital (leverage) ratio | 5.0954% | 7,353 |
| Tier 1 risk-based capital ratio | 6.6689% | 7,388 |
| Total risk-based capital ratio | 8.5982% | 7,344 |
| Memoranda: | ||
| Average total assets | $567,108,000 | 1,190 |
| Average earning assets | $503,520,000 | 1,222 |
| Average equity | $27,334,500 | 2,348 |
| Average total loans | $400,259,500 | 1,091 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2097% | 6,908 |
| Cost of funding earning assets | 1.8874% | 886 |
| Net interest margin | 2.3224% | 7,356 |
| Noninterest income to average assets | 0.9112% | 1,812 |
| Noninterest expense to average assets | 3.0087% | 3,817 |
| Loan and lease loss provision to assets | 2.1766% | 573 |
| Net operating income to assets | -2.9275% | 7,282 |
| Return on assets (ROA) | -2.6435% | 7,234 |
| Pretax return on assets | -1.9555% | 7,010 |
| Return on Equity (ROE) | -49.0367% | 7,416 |
| Retained earnings to average equity (ytd only) | -49.0367% | 7,413 |
| Net charge-offs to loans | 1.9547% | 1,041 |
| Credit loss provision to net charge-offs | 179.1312% | 1,847 |
| Earnings coverage of net charge-offs (x) | -0.0518% | 6,175 |
| Efficiency ratio | 101.6345% | 732 |
| Assets per employee ($millions) | 4.1812% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8371% | 455 |
| Loan loss allowance to noncurrent loans | 36.3405% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 9.5581% | 447 |
| Noncurrent loans to loans | 10.5588% | 383 |
| Net loans and leases to total assets | 71.1065% | 2,280 |
| Net loans and leases to deposits | 85.5224% | 2,180 |
| Net loans and leases to core deposits | 107.5847% | 1,086 |
| Total domestic deposits to total assets | 83.1437% | 4,737 |
| Equity capital to assets | 4.9217% | 7,440 |
| Core capital (leverage) ratio | 5.1662% | 7,401 |
| Tier 1 risk-based capital ratio | 6.5624% | 7,456 |
| Total risk-based capital ratio | 8.4948% | 7,408 |
| Memoranda: | ||
| Average total assets | $560,777,200 | 1,194 |
| Average earning assets | $491,264,800 | 1,253 |
| Average equity | $30,230,400 | 2,154 |
| Average total loans | $348,588,800 | 1,286 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 6,855 |
| Cost of funding earning assets | 1.9471% | 888 |
| Net interest margin | 2.4257% | 7,422 |
| Noninterest income to average assets | 0.9096% | 1,764 |
| Noninterest expense to average assets | 2.8730% | 4,197 |
| Loan and lease loss provision to assets | 0.7153% | 2,133 |
| Net operating income to assets | -0.2860% | 6,419 |
| Return on assets (ROA) | -0.0619% | 6,232 |
| Pretax return on assets | -0.2116% | 6,329 |
| Return on Equity (ROE) | -1.1251% | 6,293 |
| Retained earnings to average equity (ytd only) | -1.1251% | 6,033 |
| Net charge-offs to loans | 1.4996% | 1,340 |
| Credit loss provision to net charge-offs | 80.4359% | 5,117 |
| Earnings coverage of net charge-offs (x) | 0.1728% | 5,847 |
| Efficiency ratio | 94.3455% | 986 |
| Assets per employee ($millions) | 4.3833% | 3,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0286% | 801 |
| Loan loss allowance to noncurrent loans | 25.2861% | 6,623 |
| Noncurrent assets plus other real estate owned to assets | 8.3990% | 579 |
| Noncurrent loans to loans | 11.9772% | 293 |
| Net loans and leases to total assets | 53.3023% | 5,944 |
| Net loans and leases to deposits | 64.6264% | 5,833 |
| Net loans and leases to core deposits | 82.4752% | 4,169 |
| Total domestic deposits to total assets | 82.4775% | 4,810 |
| Equity capital to assets | 5.7457% | 7,515 |
| Core capital (leverage) ratio | 5.8836% | 7,451 |
| Tier 1 risk-based capital ratio | 8.5373% | 7,430 |
| Total risk-based capital ratio | 10.4579% | 7,335 |
| Memoranda: | ||
| Average total assets | $564,037,500 | 1,199 |
| Average earning assets | $492,267,500 | 1,260 |
| Average equity | $31,048,500 | 2,128 |
| Average total loans | $334,481,750 | 1,350 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3846% | 6,931 |
| Cost of funding earning assets | 1.9821% | 950 |
| Net interest margin | 2.4025% | 7,476 |
| Noninterest income to average assets | 0.8936% | 1,713 |
| Noninterest expense to average assets | 2.4707% | 5,831 |
| Loan and lease loss provision to assets | 0.6427% | 2,236 |
| Net operating income to assets | -0.0987% | 6,226 |
| Return on assets (ROA) | 0.1313% | 5,888 |
| Pretax return on assets | 0.0930% | 5,993 |
| Return on Equity (ROE) | 2.4208% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.4208% | 4,621 |
| Net charge-offs to loans | 0.6180% | 2,679 |
| Credit loss provision to net charge-offs | 171.1720% | 2,287 |
| Earnings coverage of net charge-offs (x) | 1.3469% | 4,479 |
| Efficiency ratio | 82.2344% | 2,131 |
| Assets per employee ($millions) | 4.3394% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2599% | 668 |
| Loan loss allowance to noncurrent loans | 26.9285% | 6,553 |
| Noncurrent assets plus other real estate owned to assets | 8.6755% | 524 |
| Noncurrent loans to loans | 12.1056% | 282 |
| Net loans and leases to total assets | 56.4825% | 5,627 |
| Net loans and leases to deposits | 67.9603% | 5,567 |
| Net loans and leases to core deposits | 86.5539% | 3,753 |
| Total domestic deposits to total assets | 83.1109% | 4,524 |
| Equity capital to assets | 5.4447% | 7,600 |
| Core capital (leverage) ratio | 5.5066% | 7,551 |
| Tier 1 risk-based capital ratio | 8.5701% | 7,476 |
| Total risk-based capital ratio | 10.6499% | 7,304 |
| Memoranda: | ||
| Average total assets | $563,568,330 | 1,205 |
| Average earning assets | $488,579,000 | 1,274 |
| Average equity | $30,568,330 | 2,156 |
| Average total loans | $342,373,000 | 1,337 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6271% | 6,479 |
| Cost of funding earning assets | 1.9883% | 1,135 |
| Net interest margin | 2.6387% | 7,353 |
| Noninterest income to average assets | 0.9146% | 1,574 |
| Noninterest expense to average assets | 2.4217% | 6,010 |
| Loan and lease loss provision to assets | 0.7271% | 1,750 |
| Net operating income to assets | 0.0437% | 6,179 |
| Return on assets (ROA) | 0.2812% | 5,500 |
| Pretax return on assets | 0.3270% | 5,534 |
| Return on Equity (ROE) | 5.1951% | 4,259 |
| Retained earnings to average equity (ytd only) | 5.1951% | 3,044 |
| Net charge-offs to loans | 0.8350% | 1,864 |
| Credit loss provision to net charge-offs | 140.5256% | 2,522 |
| Earnings coverage of net charge-offs (x) | 1.5035% | 3,834 |
| Efficiency ratio | 74.7036% | 3,449 |
| Assets per employee ($millions) | 4.5734% | 2,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0486% | 785 |
| Loan loss allowance to noncurrent loans | 32.4135% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 6.8844% | 791 |
| Noncurrent loans to loans | 9.4054% | 482 |
| Net loans and leases to total assets | 56.7267% | 5,649 |
| Net loans and leases to deposits | 68.0016% | 5,590 |
| Net loans and leases to core deposits | 90.2868% | 3,328 |
| Total domestic deposits to total assets | 83.4196% | 4,417 |
| Equity capital to assets | 5.2570% | 7,697 |
| Core capital (leverage) ratio | 5.8695% | 7,595 |
| Tier 1 risk-based capital ratio | 8.3722% | 7,569 |
| Total risk-based capital ratio | 10.4273% | 7,440 |
| Memoranda: | ||
| Average total assets | $558,954,000 | 1,245 |
| Average earning assets | $484,022,000 | 1,319 |
| Average equity | $30,259,000 | 2,202 |
| Average total loans | $346,343,500 | 1,367 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5351% | 3,957 |
| Cost of funding earning assets | 2.5577% | 879 |
| Net interest margin | 2.9774% | 6,704 |
| Noninterest income to average assets | 0.9445% | 1,771 |
| Noninterest expense to average assets | 3.8525% | 1,595 |
| Loan and lease loss provision to assets | 3.0272% | 572 |
| Net operating income to assets | -2.7127% | 7,321 |
| Return on assets (ROA) | -2.5043% | 7,267 |
| Pretax return on assets | -3.1320% | 7,329 |
| Return on Equity (ROE) | -35.9462% | 7,505 |
| Retained earnings to average equity (ytd only) | -35.9462% | 7,492 |
| Net charge-offs to loans | 3.6393% | 518 |
| Credit loss provision to net charge-offs | 121.7417% | 4,360 |
| Earnings coverage of net charge-offs (x) | -0.1469% | 6,385 |
| Efficiency ratio | 95.2354% | 1,339 |
| Assets per employee ($millions) | 3.8870% | 4,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8983% | 845 |
| Loan loss allowance to noncurrent loans | 44.4216% | 5,440 |
| Noncurrent assets plus other real estate owned to assets | 5.2282% | 1,141 |
| Noncurrent loans to loans | 6.5245% | 915 |
| Net loans and leases to total assets | 63.8522% | 4,629 |
| Net loans and leases to deposits | 78.4058% | 4,297 |
| Net loans and leases to core deposits | 132.3636% | 1,151 |
| Total domestic deposits to total assets | 81.4380% | 5,178 |
| Equity capital to assets | 5.5856% | 7,720 |
| Core capital (leverage) ratio | 5.9972% | 7,635 |
| Tier 1 risk-based capital ratio | 8.0900% | 7,639 |
| Total risk-based capital ratio | 10.1090% | 7,548 |
| Memoranda: | ||
| Average total assets | $547,696,200 | 1,267 |
| Average earning assets | $467,726,000 | 1,345 |
| Average equity | $38,157,000 | 1,753 |
| Average total loans | $374,216,200 | 1,284 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5899% | 3,928 |
| Cost of funding earning assets | 2.6804% | 836 |
| Net interest margin | 2.9094% | 6,836 |
| Noninterest income to average assets | 0.9308% | 1,856 |
| Noninterest expense to average assets | 3.2251% | 3,213 |
| Loan and lease loss provision to assets | 1.1742% | 1,649 |
| Net operating income to assets | -0.5298% | 6,459 |
| Return on assets (ROA) | -0.3203% | 6,241 |
| Pretax return on assets | -0.6593% | 6,453 |
| Return on Equity (ROE) | -4.3880% | 6,387 |
| Retained earnings to average equity (ytd only) | -4.3880% | 6,171 |
| Net charge-offs to loans | 0.8703% | 2,229 |
| Credit loss provision to net charge-offs | 195.6890% | 2,300 |
| Earnings coverage of net charge-offs (x) | 0.3127% | 5,710 |
| Efficiency ratio | 93.5109% | 1,433 |
| Assets per employee ($millions) | 3.8649% | 4,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5816% | 986 |
| Loan loss allowance to noncurrent loans | 37.8798% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 5.7141% | 974 |
| Noncurrent loans to loans | 6.8153% | 814 |
| Net loans and leases to total assets | 67.1657% | 4,142 |
| Net loans and leases to deposits | 84.9208% | 3,507 |
| Net loans and leases to core deposits | 135.1572% | 1,143 |
| Total domestic deposits to total assets | 79.0922% | 5,771 |
| Equity capital to assets | 7.8987% | 6,947 |
| Core capital (leverage) ratio | 7.6988% | 6,734 |
| Tier 1 risk-based capital ratio | 10.1167% | 6,864 |
| Total risk-based capital ratio | 12.0973% | 6,063 |
| Memoranda: | ||
| Average total assets | $551,492,000 | 1,268 |
| Average earning assets | $470,457,500 | 1,359 |
| Average equity | $40,260,250 | 1,681 |
| Average total loans | $380,227,750 | 1,281 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4403% | 4,938 |
| Cost of funding earning assets | 2.7830% | 827 |
| Net interest margin | 2.6573% | 7,290 |
| Noninterest income to average assets | 0.9104% | 1,941 |
| Noninterest expense to average assets | 3.4272% | 2,545 |
| Loan and lease loss provision to assets | 1.3041% | 1,315 |
| Net operating income to assets | -0.9134% | 6,908 |
| Return on assets (ROA) | -0.7130% | 6,768 |
| Pretax return on assets | -1.2645% | 6,973 |
| Return on Equity (ROE) | -10.0314% | 7,035 |
| Retained earnings to average equity (ytd only) | -10.0314% | 6,877 |
| Net charge-offs to loans | 0.1721% | 4,505 |
| Credit loss provision to net charge-offs | 1,099.0909% | 449 |
| Earnings coverage of net charge-offs (x) | -2.3061% | 6,370 |
| Efficiency ratio | 107.5818% | 921 |
| Assets per employee ($millions) | 4.1826% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7596% | 706 |
| Loan loss allowance to noncurrent loans | 39.1831% | 5,786 |
| Noncurrent assets plus other real estate owned to assets | 4.7974% | 1,141 |
| Noncurrent loans to loans | 7.0427% | 688 |
| Net loans and leases to total assets | 64.4776% | 4,879 |
| Net loans and leases to deposits | 79.6186% | 4,598 |
| Net loans and leases to core deposits | 109.3638% | 3,449 |
| Total domestic deposits to total assets | 80.9831% | 5,090 |
| Equity capital to assets | 6.7909% | 7,716 |
| Core capital (leverage) ratio | 7.2114% | 7,345 |
| Tier 1 risk-based capital ratio | 9.5107% | 7,381 |
| Total risk-based capital ratio | 11.4603% | 6,629 |
| Memoranda: | ||
| Average total assets | $556,250,670 | 1,271 |
| Average earning assets | $469,566,000 | 1,380 |
| Average equity | $39,536,000 | 1,719 |
| Average total loans | $383,508,000 | 1,292 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6115% | 4,286 |
| Cost of funding earning assets | 2.8454% | 878 |
| Net interest margin | 2.7661% | 7,060 |
| Noninterest income to average assets | 0.8082% | 2,282 |
| Noninterest expense to average assets | 2.7561% | 4,751 |
| Loan and lease loss provision to assets | 0.7213% | 1,777 |
| Net operating income to assets | -0.0987% | 6,406 |
| Return on assets (ROA) | 0.0102% | 6,387 |
| Pretax return on assets | -0.1321% | 6,505 |
| Return on Equity (ROE) | 0.1405% | 6,379 |
| Retained earnings to average equity (ytd only) | 0.1405% | 5,604 |
| Net charge-offs to loans | 0.0976% | 4,204 |
| Credit loss provision to net charge-offs | 1,051.0638% | 591 |
| Earnings coverage of net charge-offs (x) | 6.1064% | 2,541 |
| Efficiency ratio | 85.6289% | 2,119 |
| Assets per employee ($millions) | 3.8054% | 4,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1019% | 1,233 |
| Loan loss allowance to noncurrent loans | 38.6995% | 5,967 |
| Noncurrent assets plus other real estate owned to assets | 3.9045% | 1,338 |
| Noncurrent loans to loans | 5.4315% | 959 |
| Net loans and leases to total assets | 67.2913% | 4,291 |
| Net loans and leases to deposits | 85.1952% | 3,776 |
| Net loans and leases to core deposits | 121.5894% | 2,284 |
| Total domestic deposits to total assets | 78.9849% | 5,731 |
| Equity capital to assets | 7.0844% | 7,634 |
| Core capital (leverage) ratio | 7.6778% | 6,918 |
| Tier 1 risk-based capital ratio | 9.3754% | 7,525 |
| Total risk-based capital ratio | 11.2841% | 6,795 |
| Memoranda: | ||
| Average total assets | $547,868,000 | 1,296 |
| Average earning assets | $468,819,500 | 1,388 |
| Average equity | $39,847,500 | 1,712 |
| Average total loans | $385,286,000 | 1,294 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4220% | 3,308 |
| Cost of funding earning assets | 3.4264% | 665 |
| Net interest margin | 2.9956% | 6,933 |
| Noninterest income to average assets | 0.7816% | 2,613 |
| Noninterest expense to average assets | 3.4839% | 2,441 |
| Loan and lease loss provision to assets | 0.5619% | 2,570 |
| Net operating income to assets | -0.2811% | 6,719 |
| Return on assets (ROA) | -0.2761% | 6,562 |
| Pretax return on assets | -0.5849% | 6,724 |
| Return on Equity (ROE) | -3.4902% | 6,685 |
| Retained earnings to average equity (ytd only) | -3.4902% | 6,228 |
| Net charge-offs to loans | 0.3132% | 3,295 |
| Credit loss provision to net charge-offs | 251.6835% | 1,847 |
| Earnings coverage of net charge-offs (x) | -0.1380% | 6,342 |
| Efficiency ratio | 99.4775% | 1,003 |
| Assets per employee ($millions) | 3.6240% | 4,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 1,503 |
| Loan loss allowance to noncurrent loans | 42.0794% | 5,919 |
| Noncurrent assets plus other real estate owned to assets | 3.3633% | 1,338 |
| Noncurrent loans to loans | 4.4246% | 1,079 |
| Net loans and leases to total assets | 70.6411% | 3,874 |
| Net loans and leases to deposits | 90.4845% | 3,367 |
| Net loans and leases to core deposits | 143.9799% | 1,091 |
| Total domestic deposits to total assets | 78.0699% | 5,694 |
| Equity capital to assets | 7.4701% | 7,407 |
| Core capital (leverage) ratio | 7.8086% | 6,786 |
| Tier 1 risk-based capital ratio | 9.5296% | 7,276 |
| Total risk-based capital ratio | 11.4440% | 6,392 |
| Memoranda: | ||
| Average total assets | $532,100,800 | 1,276 |
| Average earning assets | $474,526,200 | 1,304 |
| Average equity | $42,089,800 | 1,586 |
| Average total loans | $379,251,600 | 1,280 |