Home > Woodlands Commercial Bank > Performance and Condition Ratios
Woodlands Commercial 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 | 1.4232% | 7,392 |
| Cost of funding earning assets | 1.8995% | 179 |
| Net interest margin | -0.4763% | 7,436 |
| Noninterest income to average assets | 1.4590% | 611 |
| Noninterest expense to average assets | -0.3425% | 7,436 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5259% | 885 |
| Return on assets (ROA) | 1.5259% | 966 |
| Pretax return on assets | 1.3466% | 2,126 |
| Return on Equity (ROE) | 3.7644% | 5,099 |
| Retained earnings to average equity (ytd only) | 3.7644% | 4,063 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -34.1048% | 7,428 |
| Assets per employee ($millions) | 60.3925% | 30 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 1.2022% | 4,392 |
| Noncurrent loans to loans | 4.1697% | 1,577 |
| Net loans and leases to total assets | 28.8321% | 7,125 |
| Net loans and leases to deposits | 69.5946% | 4,362 |
| Net loans and leases to core deposits | 213.3574% | 59 |
| Total domestic deposits to total assets | 41.4286% | 7,376 |
| Equity capital to assets | 56.5402% | 40 |
| Core capital (leverage) ratio | 45.6641% | 45 |
| Tier 1 risk-based capital ratio | 123.0258% | 48 |
| Total risk-based capital ratio | 123.0258% | 48 |
| Memoranda: | ||
| Average total assets | $2,180,220,500 | 320 |
| Average earning assets | $2,081,834,000 | 301 |
| Average equity | $883,722,500 | 131 |
| Average total loans | $746,742,000 | 556 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4617% | 7,466 |
| Cost of funding earning assets | 1.8964% | 211 |
| Net interest margin | -0.4348% | 7,512 |
| Noninterest income to average assets | 2.3358% | 297 |
| Noninterest expense to average assets | -0.0681% | 7,512 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.2492% | 242 |
| Return on assets (ROA) | 2.2492% | 258 |
| Pretax return on assets | 1.9884% | 600 |
| Return on Equity (ROE) | 6.0757% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.0757% | 2,376 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -3.5482% | 7,504 |
| Assets per employee ($millions) | 83.1094% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 0.8736% | 5,130 |
| Noncurrent loans to loans | 2.6125% | 2,761 |
| Net loans and leases to total assets | 33.4389% | 7,064 |
| Net loans and leases to deposits | 58.5341% | 5,872 |
| Net loans and leases to core deposits | 148.6030% | 150 |
| Total domestic deposits to total assets | 57.1272% | 7,396 |
| Equity capital to assets | 41.1870% | 54 |
| Core capital (leverage) ratio | 38.8711% | 56 |
| Tier 1 risk-based capital ratio | 91.6280% | 61 |
| Total risk-based capital ratio | 91.6280% | 61 |
| Memoranda: | ||
| Average total assets | $2,383,558,670 | 298 |
| Average earning assets | $2,277,970,330 | 277 |
| Average equity | $882,364,330 | 133 |
| Average total loans | $844,748,330 | 507 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3127% | 7,539 |
| Cost of funding earning assets | 1.8609% | 300 |
| Net interest margin | -0.5483% | 7,571 |
| Noninterest income to average assets | 6.6423% | 105 |
| Noninterest expense to average assets | 0.6477% | 7,545 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 5.4023% | 47 |
| Return on assets (ROA) | 5.4023% | 50 |
| Pretax return on assets | 5.4722% | 68 |
| Return on Equity (ROE) | 15.3416% | 769 |
| Retained earnings to average equity (ytd only) | 15.3416% | 363 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.5837% | 7,551 |
| Assets per employee ($millions) | 93.5515% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 0.0452% | 7,051 |
| Noncurrent loans to loans | 0.1271% | 6,729 |
| Net loans and leases to total assets | 35.5924% | 7,018 |
| Net loans and leases to deposits | 57.6566% | 5,959 |
| Net loans and leases to core deposits | 131.0238% | 261 |
| Total domestic deposits to total assets | 61.7317% | 7,409 |
| Equity capital to assets | 36.8374% | 57 |
| Core capital (leverage) ratio | 36.1599% | 58 |
| Tier 1 risk-based capital ratio | 74.8023% | 72 |
| Total risk-based capital ratio | 74.8023% | 74 |
| Memoranda: | ||
| Average total assets | $2,494,916,000 | 288 |
| Average earning assets | $2,376,857,500 | 269 |
| Average equity | $878,553,000 | 133 |
| Average total loans | $905,841,000 | 479 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8703% | 7,566 |
| Cost of funding earning assets | 3.2564% | 13 |
| Net interest margin | -1.3861% | 7,655 |
| Noninterest income to average assets | 5.4594% | 128 |
| Noninterest expense to average assets | -1.3111% | 7,658 |
| Loan and lease loss provision to assets | -0.0498% | 7,590 |
| Net operating income to assets | 5.3495% | 32 |
| Return on assets (ROA) | 5.3495% | 32 |
| Pretax return on assets | 5.5521% | 43 |
| Return on Equity (ROE) | 21.4800% | 175 |
| Retained earnings to average equity (ytd only) | 21.4800% | 40 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -31.2810% | 7,647 |
| Assets per employee ($millions) | 98.3651% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 0.0430% | 7,129 |
| Noncurrent loans to loans | 0.1163% | 6,854 |
| Net loans and leases to total assets | 36.9875% | 7,115 |
| Net loans and leases to deposits | 57.5967% | 6,295 |
| Net loans and leases to core deposits | 132.7919% | 297 |
| Total domestic deposits to total assets | 64.2182% | 7,439 |
| Equity capital to assets | 33.6695% | 66 |
| Core capital (leverage) ratio | 31.5067% | 78 |
| Tier 1 risk-based capital ratio | 62.8870% | 96 |
| Total risk-based capital ratio | 62.8870% | 98 |
| Memoranda: | ||
| Average total assets | $3,012,617,600 | 242 |
| Average earning assets | $2,756,355,400 | 238 |
| Average equity | $750,280,600 | 142 |
| Average total loans | $1,501,394,200 | 314 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9859% | 7,691 |
| Cost of funding earning assets | 3.5631% | 8 |
| Net interest margin | -1.5771% | 7,758 |
| Noninterest income to average assets | 2.5497% | 271 |
| Noninterest expense to average assets | -1.4585% | 7,761 |
| Loan and lease loss provision to assets | 0.0489% | 6,594 |
| Net operating income to assets | 2.4141% | 162 |
| Return on assets (ROA) | 2.4141% | 166 |
| Pretax return on assets | 2.5234% | 218 |
| Return on Equity (ROE) | 10.4453% | 1,963 |
| Retained earnings to average equity (ytd only) | 10.4453% | 695 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -130.9403% | 7,751 |
| Assets per employee ($millions) | 109.5740% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1925% | 7,641 |
| Loan loss allowance to noncurrent loans | 23.5482% | 6,731 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 6,108 |
| Noncurrent loans to loans | 0.8176% | 5,585 |
| Net loans and leases to total assets | 48.1856% | 6,501 |
| Net loans and leases to deposits | 69.9796% | 5,147 |
| Net loans and leases to core deposits | 150.1357% | 193 |
| Total domestic deposits to total assets | 68.8566% | 7,336 |
| Equity capital to assets | 26.5739% | 118 |
| Core capital (leverage) ratio | 24.2239% | 133 |
| Tier 1 risk-based capital ratio | 39.0486% | 266 |
| Total risk-based capital ratio | 39.1857% | 281 |
| Memoranda: | ||
| Average total assets | $3,126,398,750 | 237 |
| Average earning assets | $2,846,396,500 | 232 |
| Average equity | $722,576,750 | 145 |
| Average total loans | $1,640,254,250 | 291 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9876% | 7,769 |
| Cost of funding earning assets | 3.7177% | 8 |
| Net interest margin | -1.7300% | 7,827 |
| Noninterest income to average assets | 3.7446% | 179 |
| Noninterest expense to average assets | -1.5982% | 7,830 |
| Loan and lease loss provision to assets | 0.0713% | 6,233 |
| Net operating income to assets | 3.4106% | 58 |
| Return on assets (ROA) | 3.4106% | 62 |
| Pretax return on assets | 3.6998% | 82 |
| Return on Equity (ROE) | 15.4391% | 775 |
| Retained earnings to average equity (ytd only) | 15.4391% | 216 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -73.5524% | 7,818 |
| Assets per employee ($millions) | 118.9884% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1642% | 7,722 |
| Loan loss allowance to noncurrent loans | 10.3908% | 7,254 |
| Noncurrent assets plus other real estate owned to assets | 0.9174% | 5,283 |
| Noncurrent loans to loans | 1.5802% | 4,339 |
| Net loans and leases to total assets | 50.1154% | 6,420 |
| Net loans and leases to deposits | 68.7839% | 5,443 |
| Net loans and leases to core deposits | 393.1713% | 39 |
| Total domestic deposits to total assets | 72.8592% | 7,110 |
| Equity capital to assets | 23.0832% | 169 |
| Core capital (leverage) ratio | 23.4997% | 148 |
| Tier 1 risk-based capital ratio | 32.6296% | 403 |
| Total risk-based capital ratio | 32.7466% | 431 |
| Memoranda: | ||
| Average total assets | $3,218,890,330 | 230 |
| Average earning assets | $2,924,461,000 | 229 |
| Average equity | $711,079,330 | 144 |
| Average total loans | $1,728,533,000 | 275 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9850% | 7,876 |
| Cost of funding earning assets | 1.3719% | 4,345 |
| Net interest margin | 0.6131% | 7,896 |
| Noninterest income to average assets | 3.1088% | 204 |
| Noninterest expense to average assets | 0.9616% | 7,879 |
| Loan and lease loss provision to assets | 0.1424% | 5,126 |
| Net operating income to assets | 2.3554% | 187 |
| Return on assets (ROA) | 2.3554% | 210 |
| Pretax return on assets | 2.5598% | 233 |
| Return on Equity (ROE) | 10.9068% | 1,811 |
| Retained earnings to average equity (ytd only) | 10.9068% | 940 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2470% | 7,874 |
| Assets per employee ($millions) | 130.3961% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1559% | 7,823 |
| Loan loss allowance to noncurrent loans | 10.4186% | 7,325 |
| Noncurrent assets plus other real estate owned to assets | 1.0395% | 5,066 |
| Noncurrent loans to loans | 1.4961% | 4,499 |
| Net loans and leases to total assets | 56.5541% | 5,668 |
| Net loans and leases to deposits | 78.8838% | 3,865 |
| Net loans and leases to core deposits | 33,922.3800% | 7 |
| Total domestic deposits to total assets | 71.6929% | 7,291 |
| Equity capital to assets | 23.5183% | 172 |
| Core capital (leverage) ratio | 21.0672% | 210 |
| Tier 1 risk-based capital ratio | 25.4368% | 820 |
| Total risk-based capital ratio | 25.5326% | 920 |
| Memoranda: | ||
| Average total assets | $3,221,991,500 | 239 |
| Average earning assets | $2,917,096,500 | 237 |
| Average equity | $695,823,500 | 143 |
| Average total loans | $1,786,449,500 | 281 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3436% | 7,913 |
| Cost of funding earning assets | 1.9489% | 3,220 |
| Net interest margin | 0.3947% | 7,976 |
| Noninterest income to average assets | 5.9643% | 122 |
| Noninterest expense to average assets | 4.0786% | 1,260 |
| Loan and lease loss provision to assets | 0.0230% | 7,279 |
| Net operating income to assets | 2.0508% | 204 |
| Return on assets (ROA) | 2.0508% | 223 |
| Pretax return on assets | 2.2210% | 261 |
| Return on Equity (ROE) | 15.2699% | 636 |
| Retained earnings to average equity (ytd only) | 15.2699% | 94 |
| Net charge-offs to loans | 0.0002% | 7,245 |
| Credit loss provision to net charge-offs | 25,000.0000% | 16 |
| Earnings coverage of net charge-offs (x) | 24,424.7500% | 1 |
| Efficiency ratio | 64.5088% | 5,672 |
| Assets per employee ($millions) | 156.5851% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0801% | 7,920 |
| Loan loss allowance to noncurrent loans | 2.1325% | 7,434 |
| Noncurrent assets plus other real estate owned to assets | 2.2104% | 3,115 |
| Noncurrent loans to loans | 3.7557% | 1,995 |
| Net loans and leases to total assets | 54.3599% | 6,161 |
| Net loans and leases to deposits | 72.3887% | 5,275 |
| Net loans and leases to core deposits | 72.3887% | 6,629 |
| Total domestic deposits to total assets | 75.0945% | 6,847 |
| Equity capital to assets | 19.9225% | 297 |
| Core capital (leverage) ratio | 19.6020% | 296 |
| Tier 1 risk-based capital ratio | 20.3010% | 1,405 |
| Total risk-based capital ratio | 20.3455% | 1,599 |
| Memoranda: | ||
| Average total assets | $4,353,893,600 | 193 |
| Average earning assets | $3,951,419,800 | 189 |
| Average equity | $584,736,800 | 166 |
| Average total loans | $2,170,861,800 | 241 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3945% | 8,016 |
| Cost of funding earning assets | 2.2567% | 2,163 |
| Net interest margin | 0.1378% | 8,084 |
| Noninterest income to average assets | 6.8594% | 108 |
| Noninterest expense to average assets | 4.6139% | 653 |
| Loan and lease loss provision to assets | 0.0291% | 7,057 |
| Net operating income to assets | 1.4216% | 979 |
| Return on assets (ROA) | 1.4178% | 1,052 |
| Pretax return on assets | 2.3354% | 272 |
| Return on Equity (ROE) | 11.6119% | 1,465 |
| Retained earnings to average equity (ytd only) | 11.6119% | 392 |
| Net charge-offs to loans | 0.0002% | 6,986 |
| Credit loss provision to net charge-offs | 25,000.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 20,373.7242% | 1 |
| Efficiency ratio | 66.0609% | 5,349 |
| Assets per employee ($millions) | 168.7095% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0715% | 8,012 |
| Loan loss allowance to noncurrent loans | 2.3713% | 7,520 |
| Noncurrent assets plus other real estate owned to assets | 1.7866% | 3,674 |
| Noncurrent loans to loans | 3.0150% | 2,509 |
| Net loans and leases to total assets | 59.2165% | 5,709 |
| Net loans and leases to deposits | 77.4192% | 4,832 |
| Net loans and leases to core deposits | 77.4192% | 6,532 |
| Total domestic deposits to total assets | 76.4882% | 6,479 |
| Equity capital to assets | 18.2274% | 492 |
| Core capital (leverage) ratio | 15.8044% | 707 |
| Tier 1 risk-based capital ratio | 17.0495% | 2,263 |
| Total risk-based capital ratio | 17.0894% | 2,624 |
| Memoranda: | ||
| Average total assets | $4,581,148,750 | 194 |
| Average earning assets | $4,154,612,250 | 191 |
| Average equity | $559,344,500 | 175 |
| Average total loans | $2,245,044,250 | 246 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2616% | 8,113 |
| Cost of funding earning assets | 1.5144% | 6,079 |
| Net interest margin | 0.7471% | 8,124 |
| Noninterest income to average assets | 7.7031% | 92 |
| Noninterest expense to average assets | 6.7060% | 247 |
| Loan and lease loss provision to assets | 0.0406% | 6,830 |
| Net operating income to assets | 1.2596% | 1,331 |
| Return on assets (ROA) | 1.2596% | 1,409 |
| Pretax return on assets | 1.6371% | 1,137 |
| Return on Equity (ROE) | 11.6980% | 1,506 |
| Retained earnings to average equity (ytd only) | 11.6980% | 484 |
| Net charge-offs to loans | 0.0003% | 6,625 |
| Credit loss provision to net charge-offs | 25,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 10,333.0000% | 2 |
| Efficiency ratio | 79.9886% | 3,045 |
| Assets per employee ($millions) | 218.0754% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0662% | 8,104 |
| Loan loss allowance to noncurrent loans | 0.8008% | 7,561 |
| Noncurrent assets plus other real estate owned to assets | 4.0931% | 1,428 |
| Noncurrent loans to loans | 8.2661% | 518 |
| Net loans and leases to total assets | 49.4833% | 6,918 |
| Net loans and leases to deposits | 59.9996% | 6,889 |
| Net loans and leases to core deposits | 59.9996% | 7,454 |
| Total domestic deposits to total assets | 82.4727% | 4,496 |
| Equity capital to assets | 13.7104% | 1,417 |
| Core capital (leverage) ratio | 13.0023% | 1,430 |
| Tier 1 risk-based capital ratio | 14.0560% | 3,483 |
| Total risk-based capital ratio | 14.0903% | 4,175 |
| Memoranda: | ||
| Average total assets | $4,927,231,670 | 188 |
| Average earning assets | $4,488,559,670 | 185 |
| Average equity | $530,533,330 | 182 |
| Average total loans | $2,293,564,670 | 250 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3480% | 8,171 |
| Cost of funding earning assets | 0.8197% | 7,889 |
| Net interest margin | 1.5284% | 8,052 |
| Noninterest income to average assets | 0.4260% | 4,995 |
| Noninterest expense to average assets | 4.1423% | 1,006 |
| Loan and lease loss provision to assets | 0.0196% | 6,644 |
| Net operating income to assets | -2.3623% | 7,741 |
| Return on assets (ROA) | -2.3623% | 7,742 |
| Pretax return on assets | -2.3623% | 7,634 |
| Return on Equity (ROE) | -25.0081% | 7,844 |
| Retained earnings to average equity (ytd only) | -25.0081% | 7,769 |
| Net charge-offs to loans | 0.0007% | 5,725 |
| Credit loss provision to net charge-offs | 6,250.0000% | 113 |
| Earnings coverage of net charge-offs (x) | -7,469.0000% | 5,727 |
| Efficiency ratio | 230.1843% | 144 |
| Assets per employee ($millions) | 270.8957% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0344% | 8,163 |
| Loan loss allowance to noncurrent loans | 0.6546% | 7,573 |
| Noncurrent assets plus other real estate owned to assets | 2.3528% | 2,437 |
| Noncurrent loans to loans | 5.2495% | 1,015 |
| Net loans and leases to total assets | 44.8040% | 7,282 |
| Net loans and leases to deposits | 52.1969% | 7,392 |
| Net loans and leases to core deposits | 52.1969% | 7,728 |
| Total domestic deposits to total assets | 85.8365% | 2,803 |
| Equity capital to assets | 11.6231% | 2,502 |
| Core capital (leverage) ratio | 10.8393% | 2,628 |
| Tier 1 risk-based capital ratio | 9.1551% | 7,702 |
| Total risk-based capital ratio | 9.1675% | 8,041 |
| Memoranda: | ||
| Average total assets | $5,101,056,000 | 184 |
| Average earning assets | $4,584,239,500 | 183 |
| Average equity | $481,859,500 | 193 |
| Average total loans | $2,306,533,000 | 250 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2707% | 7,631 |
| Cost of funding earning assets | 2.8600% | 2,443 |
| Net interest margin | 2.4107% | 7,838 |
| Noninterest income to average assets | -8.2971% | 8,304 |
| Noninterest expense to average assets | 6.3575% | 352 |
| Loan and lease loss provision to assets | 0.0046% | 7,299 |
| Net operating income to assets | -12.0215% | 8,272 |
| Return on assets (ROA) | -12.0215% | 8,272 |
| Pretax return on assets | -12.5626% | 8,267 |
| Return on Equity (ROE) | -85.6674% | 8,257 |
| Retained earnings to average equity (ytd only) | -85.6674% | 8,253 |
| Net charge-offs to loans | 0.0001% | 7,038 |
| Credit loss provision to net charge-offs | 14,000.0000% | 45 |
| Earnings coverage of net charge-offs (x) | -382,576.5000% | 7,038 |
| Efficiency ratio | -102.5302% | 8,294 |
| Assets per employee ($millions) | 313.2935% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0208% | 8,222 |
| Loan loss allowance to noncurrent loans | 0.7440% | 7,556 |
| Noncurrent assets plus other real estate owned to assets | 1.2745% | 3,675 |
| Noncurrent loans to loans | 2.7961% | 1,941 |
| Net loans and leases to total assets | 45.5711% | 7,366 |
| Net loans and leases to deposits | 50.9337% | 7,584 |
| Net loans and leases to core deposits | 50.9337% | 7,866 |
| Total domestic deposits to total assets | 89.4714% | 858 |
| Equity capital to assets | 7.4533% | 7,421 |
| Core capital (leverage) ratio | 6.8166% | 7,807 |
| Tier 1 risk-based capital ratio | 5.1001% | 8,261 |
| Total risk-based capital ratio | 5.1068% | 8,277 |
| Memoranda: | ||
| Average total assets | $6,092,941,000 | 163 |
| Average earning assets | $5,298,924,200 | 168 |
| Average equity | $855,010,200 | 132 |
| Average total loans | $3,640,900,800 | 175 |