Home > Western National Bank > Performance and Condition Ratios
Western National 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 | 4.5201% | 5,201 |
| Cost of funding earning assets | 0.7292% | 5,601 |
| Net interest margin | 3.7909% | 3,916 |
| Noninterest income to average assets | 0.1292% | 6,611 |
| Noninterest expense to average assets | 4.6596% | 495 |
| Loan and lease loss provision to assets | 3.5746% | 77 |
| Net operating income to assets | -4.5747% | 7,362 |
| Return on assets (ROA) | -4.5747% | 7,363 |
| Pretax return on assets | -4.5747% | 7,363 |
| Return on Equity (ROE) | -150.4422% | 7,413 |
| Retained earnings to average equity (ytd only) | -150.4422% | 7,413 |
| Net charge-offs to loans | 2.5305% | 425 |
| Credit loss provision to net charge-offs | 161.1647% | 1,907 |
| Earnings coverage of net charge-offs (x) | -0.4509% | 5,815 |
| Efficiency ratio | 127.3296% | 248 |
| Assets per employee ($millions) | 7.0814% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.1928% | 41 |
| Loan loss allowance to noncurrent loans | 46.7703% | 5,213 |
| Noncurrent assets plus other real estate owned to assets | 17.4511% | 84 |
| Noncurrent loans to loans | 15.3789% | 131 |
| Net loans and leases to total assets | 83.1739% | 278 |
| Net loans and leases to deposits | 93.7546% | 858 |
| Net loans and leases to core deposits | 106.7830% | 826 |
| Total domestic deposits to total assets | 88.7145% | 1,614 |
| Equity capital to assets | 1.0530% | 7,421 |
| Core capital (leverage) ratio | 1.0148% | 7,420 |
| Tier 1 risk-based capital ratio | 1.1865% | 7,421 |
| Total risk-based capital ratio | 2.3730% | 7,421 |
| Memoranda: | ||
| Average total assets | $180,639,500 | 3,337 |
| Average earning assets | $168,222,000 | 3,285 |
| Average equity | $5,493,000 | 6,342 |
| Average total loans | $158,330,250 | 2,543 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4622% | 5,478 |
| Cost of funding earning assets | 0.7879% | 5,457 |
| Net interest margin | 3.6743% | 4,386 |
| Noninterest income to average assets | 0.1158% | 6,756 |
| Noninterest expense to average assets | 4.6322% | 521 |
| Loan and lease loss provision to assets | 1.5523% | 453 |
| Net operating income to assets | -2.6490% | 7,278 |
| Return on assets (ROA) | -2.6490% | 7,285 |
| Pretax return on assets | -2.6490% | 7,271 |
| Return on Equity (ROE) | -73.1896% | 7,409 |
| Retained earnings to average equity (ytd only) | -73.1896% | 7,406 |
| Net charge-offs to loans | 2.1459% | 602 |
| Credit loss provision to net charge-offs | 83.0752% | 3,683 |
| Earnings coverage of net charge-offs (x) | -0.5869% | 5,549 |
| Efficiency ratio | 131.0188% | 246 |
| Assets per employee ($millions) | 6.9484% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4301% | 150 |
| Loan loss allowance to noncurrent loans | 33.7802% | 6,058 |
| Noncurrent assets plus other real estate owned to assets | 17.0434% | 107 |
| Noncurrent loans to loans | 16.0747% | 115 |
| Net loans and leases to total assets | 83.8771% | 251 |
| Net loans and leases to deposits | 99.6526% | 512 |
| Net loans and leases to core deposits | 114.3093% | 567 |
| Total domestic deposits to total assets | 84.1695% | 4,278 |
| Equity capital to assets | 3.1328% | 7,427 |
| Core capital (leverage) ratio | 3.0475% | 7,421 |
| Tier 1 risk-based capital ratio | 3.5421% | 7,446 |
| Total risk-based capital ratio | 4.8439% | 7,446 |
| Memoranda: | ||
| Average total assets | $186,562,000 | 3,277 |
| Average earning assets | $173,637,000 | 3,208 |
| Average equity | $6,752,330 | 6,005 |
| Average total loans | $162,451,670 | 2,505 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4454% | 5,531 |
| Cost of funding earning assets | 0.9401% | 4,643 |
| Net interest margin | 3.5053% | 4,989 |
| Noninterest income to average assets | 0.1223% | 6,804 |
| Noninterest expense to average assets | 4.5225% | 580 |
| Loan and lease loss provision to assets | 0.2964% | 2,787 |
| Net operating income to assets | -1.4509% | 7,184 |
| Return on assets (ROA) | -1.4509% | 7,188 |
| Pretax return on assets | -1.4509% | 7,143 |
| Return on Equity (ROE) | -37.7995% | 7,369 |
| Retained earnings to average equity (ytd only) | -37.7995% | 7,349 |
| Net charge-offs to loans | 2.1915% | 559 |
| Credit loss provision to net charge-offs | 15.6627% | 4,321 |
| Earnings coverage of net charge-offs (x) | -0.6101% | 4,827 |
| Efficiency ratio | 134.2769% | 233 |
| Assets per employee ($millions) | 7.4052% | 608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9047% | 211 |
| Loan loss allowance to noncurrent loans | 44.1801% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 13.5693% | 192 |
| Noncurrent loans to loans | 11.1015% | 335 |
| Net loans and leases to total assets | 82.6426% | 298 |
| Net loans and leases to deposits | 97.5578% | 594 |
| Net loans and leases to core deposits | 119.0508% | 444 |
| Total domestic deposits to total assets | 84.7114% | 4,172 |
| Equity capital to assets | 3.8692% | 7,447 |
| Core capital (leverage) ratio | 3.6020% | 7,456 |
| Tier 1 risk-based capital ratio | 4.3879% | 7,479 |
| Total risk-based capital ratio | 5.6816% | 7,479 |
| Memoranda: | ||
| Average total assets | $192,988,500 | 3,205 |
| Average earning assets | $178,702,000 | 3,171 |
| Average equity | $7,407,500 | 5,801 |
| Average total loans | $166,643,500 | 2,476 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0378% | 4,375 |
| Cost of funding earning assets | 1.2632% | 4,120 |
| Net interest margin | 3.7746% | 4,055 |
| Noninterest income to average assets | 0.0578% | 7,073 |
| Noninterest expense to average assets | 4.1752% | 923 |
| Loan and lease loss provision to assets | 4.6940% | 91 |
| Net operating income to assets | -5.2819% | 7,551 |
| Return on assets (ROA) | -5.2819% | 7,560 |
| Pretax return on assets | -5.2819% | 7,552 |
| Return on Equity (ROE) | -90.2192% | 7,577 |
| Retained earnings to average equity (ytd only) | -90.2192% | 7,577 |
| Net charge-offs to loans | 4.8088% | 199 |
| Credit loss provision to net charge-offs | 112.4257% | 3,882 |
| Earnings coverage of net charge-offs (x) | -0.1408% | 6,254 |
| Efficiency ratio | 116.3877% | 448 |
| Assets per employee ($millions) | 7.1731% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0238% | 186 |
| Loan loss allowance to noncurrent loans | 58.1587% | 4,535 |
| Noncurrent assets plus other real estate owned to assets | 10.9158% | 354 |
| Noncurrent loans to loans | 8.6381% | 559 |
| Net loans and leases to total assets | 81.5242% | 487 |
| Net loans and leases to deposits | 100.0428% | 574 |
| Net loans and leases to core deposits | 133.8232% | 286 |
| Total domestic deposits to total assets | 81.4893% | 5,359 |
| Equity capital to assets | 3.8099% | 7,518 |
| Core capital (leverage) ratio | 3.6228% | 7,521 |
| Tier 1 risk-based capital ratio | 4.3464% | 7,550 |
| Total risk-based capital ratio | 5.6414% | 7,554 |
| Memoranda: | ||
| Average total assets | $221,472,400 | 2,847 |
| Average earning assets | $207,096,000 | 2,783 |
| Average equity | $12,966,200 | 4,368 |
| Average total loans | $192,291,400 | 2,229 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9357% | 5,098 |
| Cost of funding earning assets | 1.3048% | 4,182 |
| Net interest margin | 3.6308% | 4,723 |
| Noninterest income to average assets | 0.1018% | 7,041 |
| Noninterest expense to average assets | 3.8594% | 1,263 |
| Loan and lease loss provision to assets | 4.8272% | 100 |
| Net operating income to assets | -5.1813% | 7,661 |
| Return on assets (ROA) | -5.1813% | 7,667 |
| Pretax return on assets | -5.1813% | 7,655 |
| Return on Equity (ROE) | -82.1446% | 7,661 |
| Retained earnings to average equity (ytd only) | -82.1446% | 7,661 |
| Net charge-offs to loans | 4.7387% | 197 |
| Credit loss provision to net charge-offs | 117.0304% | 3,548 |
| Earnings coverage of net charge-offs (x) | -0.0859% | 6,098 |
| Efficiency ratio | 110.1041% | 521 |
| Assets per employee ($millions) | 7.8008% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6690% | 224 |
| Loan loss allowance to noncurrent loans | 42.2909% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 11.5808% | 295 |
| Noncurrent loans to loans | 11.0402% | 348 |
| Net loans and leases to total assets | 81.3832% | 576 |
| Net loans and leases to deposits | 98.9777% | 724 |
| Net loans and leases to core deposits | 134.2684% | 320 |
| Total domestic deposits to total assets | 82.2238% | 4,903 |
| Equity capital to assets | 4.7999% | 7,594 |
| Core capital (leverage) ratio | 4.6017% | 7,587 |
| Tier 1 risk-based capital ratio | 5.5935% | 7,616 |
| Total risk-based capital ratio | 6.8851% | 7,618 |
| Memoranda: | ||
| Average total assets | $226,629,000 | 2,835 |
| Average earning assets | $212,435,000 | 2,762 |
| Average equity | $14,294,750 | 4,135 |
| Average total loans | $197,264,500 | 2,216 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9855% | 5,007 |
| Cost of funding earning assets | 1.3618% | 4,106 |
| Net interest margin | 3.6237% | 4,716 |
| Noninterest income to average assets | 0.1665% | 6,712 |
| Noninterest expense to average assets | 3.9544% | 1,100 |
| Loan and lease loss provision to assets | 5.8910% | 77 |
| Net operating income to assets | -6.2843% | 7,752 |
| Return on assets (ROA) | -6.2843% | 7,755 |
| Pretax return on assets | -6.2843% | 7,743 |
| Return on Equity (ROE) | -92.6052% | 7,727 |
| Retained earnings to average equity (ytd only) | -92.6052% | 7,726 |
| Net charge-offs to loans | 6.4601% | 110 |
| Credit loss provision to net charge-offs | 104.1307% | 3,915 |
| Earnings coverage of net charge-offs (x) | -0.0695% | 5,779 |
| Efficiency ratio | 111.0431% | 528 |
| Assets per employee ($millions) | 7.6344% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0539% | 357 |
| Loan loss allowance to noncurrent loans | 36.8511% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 11.9815% | 271 |
| Noncurrent loans to loans | 11.0007% | 364 |
| Net loans and leases to total assets | 83.1688% | 418 |
| Net loans and leases to deposits | 103.6977% | 498 |
| Net loans and leases to core deposits | 148.3464% | 224 |
| Total domestic deposits to total assets | 80.2032% | 5,667 |
| Equity capital to assets | 5.4305% | 7,602 |
| Core capital (leverage) ratio | 5.1465% | 7,587 |
| Tier 1 risk-based capital ratio | 6.0977% | 7,658 |
| Total risk-based capital ratio | 7.3809% | 7,659 |
| Memoranda: | ||
| Average total assets | $229,365,000 | 2,822 |
| Average earning assets | $214,862,670 | 2,747 |
| Average equity | $15,565,000 | 3,880 |
| Average total loans | $200,864,670 | 2,209 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9612% | 5,190 |
| Cost of funding earning assets | 1.4679% | 3,754 |
| Net interest margin | 3.4933% | 5,187 |
| Noninterest income to average assets | 0.1234% | 7,067 |
| Noninterest expense to average assets | 3.3564% | 2,359 |
| Loan and lease loss provision to assets | 6.2053% | 107 |
| Net operating income to assets | -6.1625% | 7,823 |
| Return on assets (ROA) | -6.1625% | 7,825 |
| Pretax return on assets | -6.1625% | 7,808 |
| Return on Equity (ROE) | -82.9488% | 7,801 |
| Retained earnings to average equity (ytd only) | -82.9488% | 7,796 |
| Net charge-offs to loans | 6.0524% | 177 |
| Credit loss provision to net charge-offs | 116.5111% | 2,995 |
| Earnings coverage of net charge-offs (x) | 0.0080% | 5,019 |
| Efficiency ratio | 98.7393% | 889 |
| Assets per employee ($millions) | 7.4341% | 671 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0002% | 378 |
| Loan loss allowance to noncurrent loans | 45.4520% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 9.9910% | 401 |
| Noncurrent loans to loans | 8.8008% | 569 |
| Net loans and leases to total assets | 83.5692% | 414 |
| Net loans and leases to deposits | 105.1175% | 471 |
| Net loans and leases to core deposits | 149.5651% | 245 |
| Total domestic deposits to total assets | 79.5008% | 5,947 |
| Equity capital to assets | 6.7618% | 7,463 |
| Core capital (leverage) ratio | 6.7124% | 7,385 |
| Tier 1 risk-based capital ratio | 7.5794% | 7,653 |
| Total risk-based capital ratio | 8.8621% | 7,659 |
| Memoranda: | ||
| Average total assets | $233,348,000 | 2,832 |
| Average earning assets | $218,816,000 | 2,753 |
| Average equity | $17,336,000 | 3,597 |
| Average total loans | $205,339,500 | 2,224 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4887% | 4,203 |
| Cost of funding earning assets | 1.9013% | 3,456 |
| Net interest margin | 3.5874% | 4,596 |
| Noninterest income to average assets | 0.1485% | 6,991 |
| Noninterest expense to average assets | 2.9083% | 4,511 |
| Loan and lease loss provision to assets | 3.0034% | 579 |
| Net operating income to assets | -2.2874% | 7,192 |
| Return on assets (ROA) | -2.2874% | 7,195 |
| Pretax return on assets | -2.3996% | 7,109 |
| Return on Equity (ROE) | -24.8465% | 7,283 |
| Retained earnings to average equity (ytd only) | -24.8465% | 7,256 |
| Net charge-offs to loans | 1.4845% | 1,687 |
| Credit loss provision to net charge-offs | 224.2496% | 1,671 |
| Earnings coverage of net charge-offs (x) | 0.4508% | 5,660 |
| Efficiency ratio | 82.8083% | 2,501 |
| Assets per employee ($millions) | 7.3824% | 679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5761% | 503 |
| Loan loss allowance to noncurrent loans | 43.3393% | 5,513 |
| Noncurrent assets plus other real estate owned to assets | 8.9541% | 447 |
| Noncurrent loans to loans | 8.2514% | 589 |
| Net loans and leases to total assets | 85.7398% | 299 |
| Net loans and leases to deposits | 113.7461% | 268 |
| Net loans and leases to core deposits | 166.2372% | 270 |
| Total domestic deposits to total assets | 75.3782% | 6,795 |
| Equity capital to assets | 8.0804% | 6,490 |
| Core capital (leverage) ratio | 7.5084% | 6,780 |
| Tier 1 risk-based capital ratio | 8.8349% | 7,527 |
| Total risk-based capital ratio | 10.1128% | 7,543 |
| Memoranda: | ||
| Average total assets | $251,249,200 | 2,593 |
| Average earning assets | $235,572,800 | 2,548 |
| Average equity | $23,130,000 | 2,815 |
| Average total loans | $226,676,200 | 2,047 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4819% | 4,506 |
| Cost of funding earning assets | 1.9463% | 3,631 |
| Net interest margin | 3.5355% | 4,719 |
| Noninterest income to average assets | 0.1417% | 7,166 |
| Noninterest expense to average assets | 2.9421% | 4,266 |
| Loan and lease loss provision to assets | 2.0580% | 864 |
| Net operating income to assets | -0.9213% | 6,775 |
| Return on assets (ROA) | -0.9213% | 6,780 |
| Pretax return on assets | -1.5456% | 6,988 |
| Return on Equity (ROE) | -9.7318% | 6,878 |
| Retained earnings to average equity (ytd only) | -9.7318% | 6,781 |
| Net charge-offs to loans | 1.2713% | 1,617 |
| Credit loss provision to net charge-offs | 178.8278% | 2,570 |
| Earnings coverage of net charge-offs (x) | 0.4453% | 5,581 |
| Efficiency ratio | 85.1672% | 2,162 |
| Assets per employee ($millions) | 8.6254% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2713% | 1,327 |
| Loan loss allowance to noncurrent loans | 33.2524% | 6,215 |
| Noncurrent assets plus other real estate owned to assets | 7.1888% | 651 |
| Noncurrent loans to loans | 6.8304% | 802 |
| Net loans and leases to total assets | 84.2233% | 510 |
| Net loans and leases to deposits | 109.8074% | 469 |
| Net loans and leases to core deposits | 167.9172% | 285 |
| Total domestic deposits to total assets | 76.7010% | 6,424 |
| Equity capital to assets | 8.9217% | 5,605 |
| Core capital (leverage) ratio | 8.9472% | 4,733 |
| Tier 1 risk-based capital ratio | 9.9149% | 7,049 |
| Total risk-based capital ratio | 11.1768% | 6,996 |
| Memoranda: | ||
| Average total assets | $255,002,000 | 2,574 |
| Average earning assets | $238,938,500 | 2,530 |
| Average equity | $24,140,250 | 2,729 |
| Average total loans | $230,829,750 | 2,052 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6158% | 3,993 |
| Cost of funding earning assets | 2.0070% | 3,739 |
| Net interest margin | 3.6088% | 4,329 |
| Noninterest income to average assets | 0.1608% | 7,123 |
| Noninterest expense to average assets | 2.9092% | 4,469 |
| Loan and lease loss provision to assets | 1.3312% | 1,299 |
| Net operating income to assets | -0.4169% | 6,463 |
| Return on assets (ROA) | -0.4169% | 6,475 |
| Pretax return on assets | -0.7023% | 6,603 |
| Return on Equity (ROE) | -4.3198% | 6,519 |
| Retained earnings to average equity (ytd only) | -4.3198% | 6,191 |
| Net charge-offs to loans | 0.6306% | 2,458 |
| Credit loss provision to net charge-offs | 229.4837% | 2,007 |
| Earnings coverage of net charge-offs (x) | 1.0842% | 4,702 |
| Efficiency ratio | 82.2232% | 2,698 |
| Assets per employee ($millions) | 7.1265% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8707% | 1,866 |
| Loan loss allowance to noncurrent loans | 43.4175% | 5,470 |
| Noncurrent assets plus other real estate owned to assets | 4.3792% | 1,304 |
| Noncurrent loans to loans | 4.3087% | 1,519 |
| Net loans and leases to total assets | 90.0925% | 128 |
| Net loans and leases to deposits | 113.3572% | 428 |
| Net loans and leases to core deposits | 166.7292% | 361 |
| Total domestic deposits to total assets | 79.4766% | 5,658 |
| Equity capital to assets | 9.7078% | 4,339 |
| Core capital (leverage) ratio | 9.5306% | 3,840 |
| Tier 1 risk-based capital ratio | 9.9268% | 7,012 |
| Total risk-based capital ratio | 11.1840% | 6,928 |
| Memoranda: | ||
| Average total assets | $253,748,670 | 2,595 |
| Average earning assets | $237,472,330 | 2,547 |
| Average equity | $24,491,670 | 2,688 |
| Average total loans | $233,438,670 | 2,057 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7505% | 3,530 |
| Cost of funding earning assets | 2.0200% | 4,034 |
| Net interest margin | 3.7305% | 3,760 |
| Noninterest income to average assets | 0.1313% | 7,351 |
| Noninterest expense to average assets | 2.6791% | 5,107 |
| Loan and lease loss provision to assets | 0.8300% | 1,566 |
| Net operating income to assets | 0.0563% | 6,106 |
| Return on assets (ROA) | 0.0563% | 6,262 |
| Pretax return on assets | 0.0891% | 6,191 |
| Return on Equity (ROE) | 0.5846% | 6,254 |
| Retained earnings to average equity (ytd only) | 0.5846% | 5,424 |
| Net charge-offs to loans | 0.0323% | 5,068 |
| Credit loss provision to net charge-offs | 2,794.7368% | 245 |
| Earnings coverage of net charge-offs (x) | 30.9474% | 1,031 |
| Efficiency ratio | 74.4570% | 3,742 |
| Assets per employee ($millions) | 7.1500% | 724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6561% | 2,288 |
| Loan loss allowance to noncurrent loans | 83.2864% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 2.2024% | 2,595 |
| Noncurrent loans to loans | 1.9885% | 3,276 |
| Net loans and leases to total assets | 88.6344% | 221 |
| Net loans and leases to deposits | 110.6474% | 586 |
| Net loans and leases to core deposits | 142.2386% | 1,002 |
| Total domestic deposits to total assets | 80.1053% | 5,328 |
| Equity capital to assets | 9.6002% | 4,526 |
| Core capital (leverage) ratio | 9.6877% | 3,772 |
| Tier 1 risk-based capital ratio | 9.9597% | 6,974 |
| Total risk-based capital ratio | 11.2147% | 6,871 |
| Memoranda: | ||
| Average total assets | $255,909,000 | 2,582 |
| Average earning assets | $237,822,000 | 2,552 |
| Average equity | $24,630,500 | 2,692 |
| Average total loans | $235,658,000 | 2,055 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6759% | 2,126 |
| Cost of funding earning assets | 2.5478% | 3,965 |
| Net interest margin | 4.1281% | 2,593 |
| Noninterest income to average assets | 0.3009% | 6,306 |
| Noninterest expense to average assets | 3.4174% | 2,620 |
| Loan and lease loss provision to assets | 0.5378% | 2,674 |
| Net operating income to assets | 0.1525% | 5,978 |
| Return on assets (ROA) | 0.1528% | 5,802 |
| Pretax return on assets | 0.2793% | 5,553 |
| Return on Equity (ROE) | 1.4933% | 5,771 |
| Retained earnings to average equity (ytd only) | 1.4933% | 4,331 |
| Net charge-offs to loans | 0.1116% | 5,156 |
| Credit loss provision to net charge-offs | 519.2623% | 839 |
| Earnings coverage of net charge-offs (x) | 7.8852% | 3,007 |
| Efficiency ratio | 80.7118% | 2,499 |
| Assets per employee ($millions) | 7.4829% | 572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3914% | 3,247 |
| Loan loss allowance to noncurrent loans | 856.0411% | 547 |
| Noncurrent assets plus other real estate owned to assets | 0.6764% | 5,193 |
| Noncurrent loans to loans | 0.1625% | 6,914 |
| Net loans and leases to total assets | 92.7603% | 60 |
| Net loans and leases to deposits | 131.6995% | 191 |
| Net loans and leases to core deposits | 145.6406% | 1,024 |
| Total domestic deposits to total assets | 70.4333% | 7,227 |
| Equity capital to assets | 9.6495% | 4,485 |
| Core capital (leverage) ratio | 9.5643% | 3,922 |
| Tier 1 risk-based capital ratio | 9.5421% | 7,259 |
| Total risk-based capital ratio | 10.7973% | 7,172 |
| Memoranda: | ||
| Average total assets | $235,588,200 | 2,696 |
| Average earning assets | $224,464,000 | 2,606 |
| Average equity | $24,107,400 | 2,719 |
| Average total loans | $218,680,400 | 2,141 |