Home > Seneca National Bank > Performance and Condition Ratios
Seneca National 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 | 4.4497% | 4,116 |
| Cost of funding earning assets | 0.9028% | 2,661 |
| Net interest margin | 3.5468% | 4,501 |
| Noninterest income to average assets | 3.4032% | 199 |
| Noninterest expense to average assets | 2.3403% | 5,662 |
| Loan and lease loss provision to assets | 0.2994% | 2,088 |
| Net operating income to assets | 3.5077% | 84 |
| Return on assets (ROA) | 4.8853% | 50 |
| Pretax return on assets | 5.6588% | 53 |
| Return on Equity (ROE) | 46.3459% | 36 |
| Retained earnings to average equity (ytd only) | 40.1917% | 33 |
| Net charge-offs to loans | 0.2551% | 2,648 |
| Credit loss provision to net charge-offs | 230.7692% | 1,213 |
| Earnings coverage of net charge-offs (x) | 33.5769% | 844 |
| Efficiency ratio | 34.9478% | 7,196 |
| Assets per employee ($millions) | 5.0446% | 2,204 |
| Cash dividends to net income (ytd only)* | 13.2789% | 2,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2332% | 1,821 |
| Loan loss allowance to noncurrent loans | 360.4839% | 932 |
| Noncurrent assets plus other real estate owned to assets | 1.3975% | 3,771 |
| Noncurrent loans to loans | 0.6195% | 5,419 |
| Net loans and leases to total assets | 48.4910% | 5,492 |
| Net loans and leases to deposits | 56.2730% | 5,569 |
| Net loans and leases to core deposits | 60.2519% | 5,506 |
| Total domestic deposits to total assets | 86.1709% | 3,429 |
| Equity capital to assets | 10.9708% | 2,940 |
| Core capital (leverage) ratio | 9.6231% | 3,884 |
| Tier 1 risk-based capital ratio | 15.7249% | 3,328 |
| Total risk-based capital ratio | 16.9832% | 3,291 |
| Memoranda: | ||
| Average total assets | $80,159,000 | 5,472 |
| Average earning assets | $74,432,500 | 5,417 |
| Average equity | $8,449,500 | 5,451 |
| Average total loans | $40,761,500 | 5,610 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8169% | 3,729 |
| Cost of funding earning assets | 1.1801% | 2,162 |
| Net interest margin | 3.6368% | 4,584 |
| Noninterest income to average assets | 0.4114% | 4,527 |
| Noninterest expense to average assets | 2.7288% | 4,626 |
| Loan and lease loss provision to assets | 0.2708% | 3,508 |
| Net operating income to assets | 0.6940% | 3,518 |
| Return on assets (ROA) | 0.6964% | 3,693 |
| Pretax return on assets | 0.7686% | 4,089 |
| Return on Equity (ROE) | 7.1889% | 3,312 |
| Retained earnings to average equity (ytd only) | 3.8607% | 3,462 |
| Net charge-offs to loans | 0.0472% | 5,836 |
| Credit loss provision to net charge-offs | 1,050.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 40.2000% | 672 |
| Efficiency ratio | 72.4658% | 3,486 |
| Assets per employee ($millions) | 4.9753% | 2,236 |
| Cash dividends to net income (ytd only)* | 46.2963% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0728% | 2,076 |
| Loan loss allowance to noncurrent loans | 114.8198% | 2,704 |
| Noncurrent assets plus other real estate owned to assets | 1.6858% | 3,422 |
| Noncurrent loans to loans | 1.8053% | 3,459 |
| Net loans and leases to total assets | 51.0401% | 5,459 |
| Net loans and leases to deposits | 58.8448% | 5,614 |
| Net loans and leases to core deposits | 62.8296% | 5,563 |
| Total domestic deposits to total assets | 86.7368% | 2,903 |
| Equity capital to assets | 10.1050% | 4,028 |
| Core capital (leverage) ratio | 8.5251% | 5,517 |
| Tier 1 risk-based capital ratio | 13.5633% | 4,649 |
| Total risk-based capital ratio | 14.8204% | 4,614 |
| Memoranda: | ||
| Average total assets | $77,543,000 | 5,525 |
| Average earning assets | $71,519,200 | 5,482 |
| Average equity | $7,511,600 | 5,715 |
| Average total loans | $42,406,000 | 5,588 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8409% | 3,829 |
| Cost of funding earning assets | 1.2295% | 2,130 |
| Net interest margin | 3.6114% | 4,719 |
| Noninterest income to average assets | 0.4674% | 4,150 |
| Noninterest expense to average assets | 2.8612% | 4,097 |
| Loan and lease loss provision to assets | 0.2596% | 3,426 |
| Net operating income to assets | 0.6128% | 4,031 |
| Return on assets (ROA) | 0.6128% | 4,215 |
| Pretax return on assets | 0.6716% | 4,574 |
| Return on Equity (ROE) | 6.3968% | 3,824 |
| Retained earnings to average equity (ytd only) | 4.4092% | 3,590 |
| Net charge-offs to loans | 0.0688% | 5,267 |
| Credit loss provision to net charge-offs | 681.8182% | 394 |
| Earnings coverage of net charge-offs (x) | 24.4569% | 1,076 |
| Efficiency ratio | 75.4450% | 2,930 |
| Assets per employee ($millions) | 4.9479% | 2,262 |
| Cash dividends to net income (ytd only)* | 31.0727% | 2,425 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9444% | 2,491 |
| Loan loss allowance to noncurrent loans | 107.5472% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 2.0994% | 3,031 |
| Noncurrent loans to loans | 1.8080% | 3,628 |
| Net loans and leases to total assets | 50.8318% | 5,603 |
| Net loans and leases to deposits | 58.1196% | 5,831 |
| Net loans and leases to core deposits | 61.7872% | 5,833 |
| Total domestic deposits to total assets | 87.4607% | 2,373 |
| Equity capital to assets | 10.2000% | 4,086 |
| Core capital (leverage) ratio | 8.7160% | 5,381 |
| Tier 1 risk-based capital ratio | 13.4967% | 4,734 |
| Total risk-based capital ratio | 14.7508% | 4,702 |
| Memoranda: | ||
| Average total assets | $77,027,750 | 5,577 |
| Average earning assets | $70,921,750 | 5,553 |
| Average equity | $7,378,500 | 5,790 |
| Average total loans | $42,635,000 | 5,622 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8461% | 3,882 |
| Cost of funding earning assets | 1.3007% | 1,939 |
| Net interest margin | 3.5455% | 4,943 |
| Noninterest income to average assets | 0.5294% | 3,631 |
| Noninterest expense to average assets | 2.9221% | 3,934 |
| Loan and lease loss provision to assets | 0.2359% | 3,554 |
| Net operating income to assets | 0.5608% | 4,259 |
| Return on assets (ROA) | 0.5608% | 4,383 |
| Pretax return on assets | 0.6290% | 4,651 |
| Return on Equity (ROE) | 5.9891% | 3,979 |
| Retained earnings to average equity (ytd only) | 4.5058% | 3,326 |
| Net charge-offs to loans | 0.1066% | 4,619 |
| Credit loss provision to net charge-offs | 391.3043% | 769 |
| Earnings coverage of net charge-offs (x) | 14.3478% | 1,487 |
| Efficiency ratio | 77.1626% | 2,832 |
| Assets per employee ($millions) | 4.5511% | 2,752 |
| Cash dividends to net income (ytd only)* | 24.7664% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7531% | 3,141 |
| Loan loss allowance to noncurrent loans | 69.6597% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 2.2038% | 2,978 |
| Noncurrent loans to loans | 2.5167% | 2,872 |
| Net loans and leases to total assets | 53.3838% | 5,374 |
| Net loans and leases to deposits | 60.6259% | 5,659 |
| Net loans and leases to core deposits | 63.8194% | 5,741 |
| Total domestic deposits to total assets | 88.0545% | 2,107 |
| Equity capital to assets | 9.6603% | 4,586 |
| Core capital (leverage) ratio | 8.8672% | 4,933 |
| Tier 1 risk-based capital ratio | 13.5169% | 4,516 |
| Total risk-based capital ratio | 14.7695% | 4,496 |
| Memoranda: | ||
| Average total assets | $76,314,670 | 5,643 |
| Average earning assets | $70,118,000 | 5,627 |
| Average equity | $7,146,330 | 5,883 |
| Average total loans | $43,166,670 | 5,655 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8854% | 3,660 |
| Cost of funding earning assets | 1.3727% | 1,756 |
| Net interest margin | 3.5126% | 4,950 |
| Noninterest income to average assets | 0.5436% | 3,557 |
| Noninterest expense to average assets | 3.1245% | 3,163 |
| Loan and lease loss provision to assets | 0.2111% | 3,534 |
| Net operating income to assets | 0.4222% | 4,844 |
| Return on assets (ROA) | 0.4222% | 4,934 |
| Pretax return on assets | 0.4222% | 5,273 |
| Return on Equity (ROE) | 4.5829% | 4,604 |
| Retained earnings to average equity (ytd only) | 3.3799% | 4,161 |
| Net charge-offs to loans | 0.9147% | 1,456 |
| Credit loss provision to net charge-offs | 40.0000% | 3,945 |
| Earnings coverage of net charge-offs (x) | 1.2000% | 3,762 |
| Efficiency ratio | 83.1461% | 2,059 |
| Assets per employee ($millions) | 4.7450% | 2,502 |
| Cash dividends to net income (ytd only)* | 26.2500% | 2,085 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4058% | 4,637 |
| Loan loss allowance to noncurrent loans | 117.7606% | 2,468 |
| Noncurrent assets plus other real estate owned to assets | 2.0429% | 3,269 |
| Noncurrent loans to loans | 1.1938% | 4,691 |
| Net loans and leases to total assets | 56.3514% | 4,935 |
| Net loans and leases to deposits | 64.2392% | 5,221 |
| Net loans and leases to core deposits | 68.0062% | 5,285 |
| Total domestic deposits to total assets | 87.7213% | 2,543 |
| Equity capital to assets | 9.2584% | 4,800 |
| Core capital (leverage) ratio | 8.8179% | 4,900 |
| Tier 1 risk-based capital ratio | 12.6520% | 5,113 |
| Total risk-based capital ratio | 13.8240% | 5,170 |
| Memoranda: | ||
| Average total assets | $75,788,000 | 5,708 |
| Average earning assets | $69,350,000 | 5,693 |
| Average equity | $6,982,500 | 5,931 |
| Average total loans | $43,730,500 | 5,671 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0709% | 4,230 |
| Cost of funding earning assets | 1.7710% | 1,293 |
| Net interest margin | 3.2999% | 5,977 |
| Noninterest income to average assets | 0.4210% | 4,735 |
| Noninterest expense to average assets | 2.6323% | 5,287 |
| Loan and lease loss provision to assets | 0.2434% | 4,857 |
| Net operating income to assets | 0.4307% | 4,406 |
| Return on assets (ROA) | 0.7248% | 3,253 |
| Pretax return on assets | 0.9129% | 3,230 |
| Return on Equity (ROE) | 7.9509% | 2,711 |
| Retained earnings to average equity (ytd only) | 6.9841% | 1,334 |
| Net charge-offs to loans | 1.2445% | 1,803 |
| Credit loss provision to net charge-offs | 32.2862% | 6,476 |
| Earnings coverage of net charge-offs (x) | 1.0401% | 5,072 |
| Efficiency ratio | 77.0504% | 2,863 |
| Assets per employee ($millions) | 4.7285% | 2,524 |
| Cash dividends to net income (ytd only)* | 12.1597% | 3,691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5203% | 3,898 |
| Loan loss allowance to noncurrent loans | 83.2298% | 3,414 |
| Noncurrent assets plus other real estate owned to assets | 2.2906% | 2,976 |
| Noncurrent loans to loans | 1.8267% | 3,783 |
| Net loans and leases to total assets | 57.3636% | 5,132 |
| Net loans and leases to deposits | 65.0387% | 5,512 |
| Net loans and leases to core deposits | 70.7446% | 5,367 |
| Total domestic deposits to total assets | 88.1992% | 2,121 |
| Equity capital to assets | 9.1678% | 4,886 |
| Core capital (leverage) ratio | 8.8209% | 4,825 |
| Tier 1 risk-based capital ratio | 12.4579% | 5,063 |
| Total risk-based capital ratio | 13.7089% | 5,046 |
| Memoranda: | ||
| Average total assets | $76,018,000 | 5,715 |
| Average earning assets | $69,001,600 | 5,699 |
| Average equity | $6,930,000 | 6,054 |
| Average total loans | $46,042,800 | 5,641 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1564% | 4,044 |
| Cost of funding earning assets | 1.8599% | 1,165 |
| Net interest margin | 3.2964% | 6,030 |
| Noninterest income to average assets | 0.3836% | 5,085 |
| Noninterest expense to average assets | 2.6330% | 5,185 |
| Loan and lease loss provision to assets | 0.2102% | 4,964 |
| Net operating income to assets | 0.4069% | 4,721 |
| Return on assets (ROA) | 0.7936% | 3,191 |
| Pretax return on assets | 1.0231% | 3,101 |
| Return on Equity (ROE) | 8.7173% | 2,597 |
| Retained earnings to average equity (ytd only) | 7.9284% | 1,445 |
| Net charge-offs to loans | 1.6531% | 1,198 |
| Credit loss provision to net charge-offs | 20.7972% | 6,241 |
| Earnings coverage of net charge-offs (x) | 0.7296% | 5,329 |
| Efficiency ratio | 78.1185% | 2,612 |
| Assets per employee ($millions) | 4.6726% | 2,645 |
| Cash dividends to net income (ytd only)* | 9.0516% | 3,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3452% | 4,734 |
| Loan loss allowance to noncurrent loans | 74.3812% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 3.1727% | 2,265 |
| Noncurrent loans to loans | 1.8086% | 3,935 |
| Net loans and leases to total assets | 58.9537% | 5,112 |
| Net loans and leases to deposits | 66.5454% | 5,600 |
| Net loans and leases to core deposits | 72.0851% | 5,499 |
| Total domestic deposits to total assets | 88.5918% | 1,632 |
| Equity capital to assets | 9.5824% | 4,727 |
| Core capital (leverage) ratio | 8.7628% | 5,079 |
| Tier 1 risk-based capital ratio | 12.4731% | 5,010 |
| Total risk-based capital ratio | 13.6070% | 5,087 |
| Memoranda: | ||
| Average total assets | $76,108,500 | 5,767 |
| Average earning assets | $68,961,750 | 5,772 |
| Average equity | $6,928,500 | 6,141 |
| Average total loans | $46,536,250 | 5,702 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1475% | 4,203 |
| Cost of funding earning assets | 1.9278% | 1,116 |
| Net interest margin | 3.2197% | 6,256 |
| Noninterest income to average assets | 0.3710% | 5,169 |
| Noninterest expense to average assets | 2.5758% | 5,430 |
| Loan and lease loss provision to assets | 0.2090% | 4,784 |
| Net operating income to assets | 0.3834% | 4,832 |
| Return on assets (ROA) | 0.9379% | 2,499 |
| Pretax return on assets | 1.2487% | 2,261 |
| Return on Equity (ROE) | 10.4818% | 1,936 |
| Retained earnings to average equity (ytd only) | 9.2847% | 1,021 |
| Net charge-offs to loans | 1.7559% | 1,065 |
| Credit loss provision to net charge-offs | 19.3237% | 5,861 |
| Earnings coverage of net charge-offs (x) | 0.6643% | 5,082 |
| Efficiency ratio | 78.1919% | 2,698 |
| Assets per employee ($millions) | 4.8308% | 2,403 |
| Cash dividends to net income (ytd only)* | 11.4206% | 3,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 3,687 |
| Loan loss allowance to noncurrent loans | 68.6256% | 3,909 |
| Noncurrent assets plus other real estate owned to assets | 3.3858% | 2,076 |
| Noncurrent loans to loans | 2.2515% | 3,426 |
| Net loans and leases to total assets | 59.6872% | 5,125 |
| Net loans and leases to deposits | 67.2027% | 5,658 |
| Net loans and leases to core deposits | 73.1137% | 5,541 |
| Total domestic deposits to total assets | 88.8166% | 1,539 |
| Equity capital to assets | 9.0293% | 5,400 |
| Core capital (leverage) ratio | 8.2350% | 5,882 |
| Tier 1 risk-based capital ratio | 11.6746% | 5,608 |
| Total risk-based capital ratio | 12.9253% | 5,569 |
| Memoranda: | ||
| Average total assets | $76,557,330 | 5,786 |
| Average earning assets | $69,509,000 | 5,792 |
| Average equity | $6,850,000 | 6,188 |
| Average total loans | $47,156,330 | 5,710 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1232% | 4,423 |
| Cost of funding earning assets | 1.9847% | 1,145 |
| Net interest margin | 3.1386% | 6,493 |
| Noninterest income to average assets | 0.4305% | 4,660 |
| Noninterest expense to average assets | 2.5620% | 5,508 |
| Loan and lease loss provision to assets | 0.1575% | 4,958 |
| Net operating income to assets | 0.4988% | 4,392 |
| Return on assets (ROA) | 0.4988% | 4,533 |
| Pretax return on assets | 0.5670% | 4,729 |
| Return on Equity (ROE) | 5.6002% | 4,064 |
| Retained earnings to average equity (ytd only) | 4.3622% | 3,536 |
| Net charge-offs to loans | 0.0338% | 5,103 |
| Credit loss provision to net charge-offs | 750.0000% | 596 |
| Earnings coverage of net charge-offs (x) | 34.5000% | 788 |
| Efficiency ratio | 77.9553% | 2,908 |
| Assets per employee ($millions) | 4.8926% | 2,377 |
| Cash dividends to net income (ytd only)* | 22.1053% | 2,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2936% | 1,586 |
| Loan loss allowance to noncurrent loans | 45.7770% | 5,294 |
| Noncurrent assets plus other real estate owned to assets | 4.5540% | 1,479 |
| Noncurrent loans to loans | 5.0104% | 1,445 |
| Net loans and leases to total assets | 58.9893% | 5,288 |
| Net loans and leases to deposits | 66.2307% | 5,795 |
| Net loans and leases to core deposits | 70.5008% | 5,874 |
| Total domestic deposits to total assets | 89.0665% | 1,484 |
| Equity capital to assets | 8.7300% | 5,689 |
| Core capital (leverage) ratio | 8.0915% | 6,094 |
| Tier 1 risk-based capital ratio | 11.1139% | 6,042 |
| Total risk-based capital ratio | 12.3721% | 6,008 |
| Memoranda: | ||
| Average total assets | $76,189,500 | 5,873 |
| Average earning assets | $69,331,000 | 5,866 |
| Average equity | $6,785,500 | 6,258 |
| Average total loans | $47,305,500 | 5,789 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4831% | 4,238 |
| Cost of funding earning assets | 2.3658% | 1,404 |
| Net interest margin | 3.1173% | 6,321 |
| Noninterest income to average assets | 0.5493% | 4,029 |
| Noninterest expense to average assets | 2.9891% | 4,185 |
| Loan and lease loss provision to assets | 0.7668% | 2,809 |
| Net operating income to assets | -0.1264% | 5,719 |
| Return on assets (ROA) | -0.1255% | 5,714 |
| Pretax return on assets | -0.4001% | 5,916 |
| Return on Equity (ROE) | -1.3273% | 5,743 |
| Retained earnings to average equity (ytd only) | -2.0057% | 5,521 |
| Net charge-offs to loans | 0.3207% | 4,634 |
| Credit loss provision to net charge-offs | 371.6216% | 859 |
| Earnings coverage of net charge-offs (x) | 1.7703% | 4,397 |
| Efficiency ratio | 89.1106% | 1,784 |
| Assets per employee ($millions) | 4.6311% | 2,715 |
| Cash dividends to net income (ytd only)* | -51.1111% | 7,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2345% | 1,585 |
| Loan loss allowance to noncurrent loans | 44.5099% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 4.8234% | 1,300 |
| Noncurrent loans to loans | 5.0202% | 1,348 |
| Net loans and leases to total assets | 62.4735% | 4,899 |
| Net loans and leases to deposits | 69.5760% | 5,662 |
| Net loans and leases to core deposits | 102.7023% | 3,721 |
| Total domestic deposits to total assets | 89.7918% | 1,062 |
| Equity capital to assets | 9.0921% | 4,997 |
| Core capital (leverage) ratio | 8.0774% | 6,037 |
| Tier 1 risk-based capital ratio | 11.0469% | 5,880 |
| Total risk-based capital ratio | 12.3063% | 5,831 |
| Memoranda: | ||
| Average total assets | $71,726,400 | 5,951 |
| Average earning assets | $64,544,000 | 5,975 |
| Average equity | $6,780,800 | 6,342 |
| Average total loans | $46,146,200 | 5,831 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5534% | 4,133 |
| Cost of funding earning assets | 2.4262% | 1,536 |
| Net interest margin | 3.1272% | 6,242 |
| Noninterest income to average assets | 0.5698% | 3,927 |
| Noninterest expense to average assets | 2.9952% | 4,057 |
| Loan and lease loss provision to assets | 1.0309% | 1,863 |
| Net operating income to assets | -0.2898% | 6,185 |
| Return on assets (ROA) | -0.2887% | 6,195 |
| Pretax return on assets | -0.6448% | 6,441 |
| Return on Equity (ROE) | -3.0232% | 6,244 |
| Retained earnings to average equity (ytd only) | -3.5336% | 6,038 |
| Net charge-offs to loans | 0.3083% | 4,110 |
| Credit loss provision to net charge-offs | 518.8679% | 757 |
| Earnings coverage of net charge-offs (x) | 1.9340% | 4,367 |
| Efficiency ratio | 88.6301% | 1,810 |
| Assets per employee ($millions) | 4.7046% | 2,552 |
| Cash dividends to net income (ytd only)* | -16.8850% | 7,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3303% | 1,262 |
| Loan loss allowance to noncurrent loans | 54.2139% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 4.7826% | 1,244 |
| Noncurrent loans to loans | 4.2983% | 1,669 |
| Net loans and leases to total assets | 61.2504% | 5,367 |
| Net loans and leases to deposits | 68.0778% | 6,121 |
| Net loans and leases to core deposits | 96.1162% | 4,804 |
| Total domestic deposits to total assets | 89.9712% | 776 |
| Equity capital to assets | 9.0418% | 5,426 |
| Core capital (leverage) ratio | 8.8087% | 4,958 |
| Tier 1 risk-based capital ratio | 11.5284% | 5,404 |
| Total risk-based capital ratio | 12.7869% | 5,351 |
| Memoranda: | ||
| Average total assets | $71,133,750 | 6,006 |
| Average earning assets | $63,911,000 | 6,038 |
| Average equity | $6,791,750 | 6,393 |
| Average total loans | $45,845,500 | 5,892 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6881% | 3,612 |
| Cost of funding earning assets | 2.4914% | 1,644 |
| Net interest margin | 3.1968% | 5,926 |
| Noninterest income to average assets | 0.6279% | 3,481 |
| Noninterest expense to average assets | 3.0679% | 3,821 |
| Loan and lease loss provision to assets | 0.3441% | 3,870 |
| Net operating income to assets | 0.1835% | 5,322 |
| Return on assets (ROA) | 0.1864% | 5,393 |
| Pretax return on assets | 0.0774% | 5,723 |
| Return on Equity (ROE) | 1.9154% | 5,337 |
| Retained earnings to average equity (ytd only) | 1.7681% | 4,355 |
| Net charge-offs to loans | 0.2071% | 4,218 |
| Credit loss provision to net charge-offs | 255.3191% | 1,823 |
| Earnings coverage of net charge-offs (x) | 3.1064% | 3,567 |
| Efficiency ratio | 87.9934% | 2,017 |
| Assets per employee ($millions) | 4.3943% | 2,944 |
| Cash dividends to net income (ytd only)* | 7.6923% | 3,436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5681% | 2,880 |
| Loan loss allowance to noncurrent loans | 38.7766% | 5,825 |
| Noncurrent assets plus other real estate owned to assets | 3.9711% | 1,502 |
| Noncurrent loans to loans | 4.0439% | 1,664 |
| Net loans and leases to total assets | 65.0865% | 4,749 |
| Net loans and leases to deposits | 73.0621% | 5,599 |
| Net loans and leases to core deposits | 102.4768% | 4,234 |
| Total domestic deposits to total assets | 89.0837% | 1,228 |
| Equity capital to assets | 9.6703% | 4,395 |
| Core capital (leverage) ratio | 9.5697% | 3,787 |
| Tier 1 risk-based capital ratio | 12.3554% | 4,634 |
| Total risk-based capital ratio | 13.6070% | 4,559 |
| Memoranda: | ||
| Average total assets | $69,754,000 | 6,086 |
| Average earning assets | $62,375,330 | 6,132 |
| Average equity | $6,787,000 | 6,443 |
| Average total loans | $45,392,330 | 5,968 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7379% | 3,600 |
| Cost of funding earning assets | 2.4953% | 1,934 |
| Net interest margin | 3.2426% | 5,718 |
| Noninterest income to average assets | 0.5872% | 3,643 |
| Noninterest expense to average assets | 2.9420% | 4,005 |
| Loan and lease loss provision to assets | 0.1727% | 4,742 |
| Net operating income to assets | 0.3570% | 5,035 |
| Return on assets (ROA) | 0.3570% | 5,221 |
| Pretax return on assets | 0.3454% | 5,545 |
| Return on Equity (ROE) | 3.6573% | 5,105 |
| Retained earnings to average equity (ytd only) | 3.6573% | 3,868 |
| Net charge-offs to loans | 0.4192% | 2,433 |
| Credit loss provision to net charge-offs | 63.8298% | 4,458 |
| Earnings coverage of net charge-offs (x) | 1.9149% | 3,761 |
| Efficiency ratio | 85.0250% | 2,192 |
| Assets per employee ($millions) | 4.5696% | 2,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 3,432 |
| Loan loss allowance to noncurrent loans | 38.6804% | 5,971 |
| Noncurrent assets plus other real estate owned to assets | 3.5849% | 1,482 |
| Noncurrent loans to loans | 3.6524% | 1,717 |
| Net loans and leases to total assets | 60.9892% | 5,499 |
| Net loans and leases to deposits | 75.6010% | 5,276 |
| Net loans and leases to core deposits | 104.4408% | 4,092 |
| Total domestic deposits to total assets | 80.6724% | 5,104 |
| Equity capital to assets | 9.3061% | 4,931 |
| Core capital (leverage) ratio | 9.7130% | 3,736 |
| Tier 1 risk-based capital ratio | 12.5090% | 4,545 |
| Total risk-based capital ratio | 13.7135% | 4,493 |
| Memoranda: | ||
| Average total assets | $69,477,000 | 6,126 |
| Average earning assets | $61,555,500 | 6,194 |
| Average equity | $6,781,000 | 6,490 |
| Average total loans | $44,843,500 | 6,021 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2828% | 4,058 |
| Cost of funding earning assets | 3.2201% | 1,129 |
| Net interest margin | 3.0627% | 6,757 |
| Noninterest income to average assets | 0.5069% | 4,568 |
| Noninterest expense to average assets | 3.1748% | 3,429 |
| Loan and lease loss provision to assets | 0.5504% | 2,619 |
| Net operating income to assets | -0.1243% | 6,528 |
| Return on assets (ROA) | -0.5692% | 6,869 |
| Pretax return on assets | -1.0674% | 7,042 |
| Return on Equity (ROE) | -6.9217% | 7,040 |
| Retained earnings to average equity (ytd only) | -6.9217% | 6,773 |
| Net charge-offs to loans | 0.4256% | 2,689 |
| Credit loss provision to net charge-offs | 201.0582% | 2,419 |
| Earnings coverage of net charge-offs (x) | 0.6508% | 5,832 |
| Efficiency ratio | 94.6868% | 1,239 |
| Assets per employee ($millions) | 3.8730% | 3,801 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4756% | 2,802 |
| Loan loss allowance to noncurrent loans | 50.1529% | 5,486 |
| Noncurrent assets plus other real estate owned to assets | 2.8599% | 1,640 |
| Noncurrent loans to loans | 2.9422% | 1,823 |
| Net loans and leases to total assets | 66.5254% | 4,748 |
| Net loans and leases to deposits | 83.4750% | 4,502 |
| Net loans and leases to core deposits | 120.9237% | 2,608 |
| Total domestic deposits to total assets | 79.6950% | 5,133 |
| Equity capital to assets | 10.2641% | 3,743 |
| Core capital (leverage) ratio | 9.7599% | 3,700 |
| Tier 1 risk-based capital ratio | 13.1873% | 4,001 |
| Total risk-based capital ratio | 14.4390% | 3,915 |
| Memoranda: | ||
| Average total assets | $69,044,200 | 6,061 |
| Average earning assets | $64,159,000 | 6,014 |
| Average equity | $5,677,800 | 6,923 |
| Average total loans | $44,408,000 | 5,954 |