Home > Gotham Bank of New York > Performance and Condition Ratios
Gotham Bank of New York, Performance and Condition Ratios
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8888% | 7,019 |
| Cost of funding earning assets | 0.8676% | 2,672 |
| Net interest margin | 2.0212% | 7,101 |
| Noninterest income to average assets | 0.1230% | 6,568 |
| Noninterest expense to average assets | 1.4463% | 7,032 |
| Loan and lease loss provision to assets | -0.2244% | 7,164 |
| Net operating income to assets | 0.4025% | 5,205 |
| Return on assets (ROA) | 0.8978% | 3,186 |
| Pretax return on assets | 1.6397% | 1,425 |
| Return on Equity (ROE) | 12.1424% | 1,625 |
| Retained earnings to average equity (ytd only) | 11.2274% | 704 |
| Net charge-offs to loans | -0.1514% | 6,945 |
| Credit loss provision to net charge-offs | 336.3014% | 871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2796% | 3,883 |
| Assets per employee ($millions) | 13.0148% | 118 |
| Cash dividends to net income (ytd only)* | 7.5356% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9194% | 6,409 |
| Loan loss allowance to noncurrent loans | 553.6232% | 657 |
| Noncurrent assets plus other real estate owned to assets | 0.0803% | 6,614 |
| Noncurrent loans to loans | 0.1661% | 6,250 |
| Net loans and leases to total assets | 47.9256% | 5,620 |
| Net loans and leases to deposits | 56.3607% | 5,610 |
| Net loans and leases to core deposits | 81.2171% | 3,057 |
| Total domestic deposits to total assets | 85.0336% | 3,841 |
| Equity capital to assets | 7.6780% | 6,724 |
| Core capital (leverage) ratio | 7.5772% | 6,580 |
| Tier 1 risk-based capital ratio | 15.8775% | 3,222 |
| Total risk-based capital ratio | 16.7942% | 3,374 |
| Memoranda: | ||
| Average total assets | $437,532,330 | 1,523 |
| Average earning assets | $425,292,330 | 1,438 |
| Average equity | $32,349,330 | 2,130 |
| Average total loans | $192,825,330 | 2,092 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0103% | 7,039 |
| Cost of funding earning assets | 0.8557% | 3,021 |
| Net interest margin | 2.1546% | 7,109 |
| Noninterest income to average assets | 0.0879% | 6,794 |
| Noninterest expense to average assets | 1.5201% | 7,043 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2662% | 5,760 |
| Return on assets (ROA) | 0.9376% | 2,963 |
| Pretax return on assets | 1.7130% | 1,272 |
| Return on Equity (ROE) | 12.9230% | 1,425 |
| Retained earnings to average equity (ytd only) | 11.0750% | 1,008 |
| Net charge-offs to loans | -0.3151% | 7,080 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5977% | 3,882 |
| Assets per employee ($millions) | 13.2312% | 122 |
| Cash dividends to net income (ytd only)* | 14.2995% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2688% | 5,169 |
| Loan loss allowance to noncurrent loans | 689.9425% | 528 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 6,692 |
| Noncurrent loans to loans | 0.1839% | 6,317 |
| Net loans and leases to total assets | 41.5311% | 6,234 |
| Net loans and leases to deposits | 48.3497% | 6,271 |
| Net loans and leases to core deposits | 68.0917% | 4,667 |
| Total domestic deposits to total assets | 85.8974% | 3,591 |
| Equity capital to assets | 7.0862% | 6,912 |
| Core capital (leverage) ratio | 7.4294% | 6,679 |
| Tier 1 risk-based capital ratio | 16.5142% | 2,904 |
| Total risk-based capital ratio | 17.7643% | 2,870 |
| Memoranda: | ||
| Average total assets | $441,554,000 | 1,510 |
| Average earning assets | $429,585,500 | 1,430 |
| Average equity | $32,036,000 | 2,151 |
| Average total loans | $185,365,500 | 2,166 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5717% | 6,948 |
| Cost of funding earning assets | 1.0347% | 3,125 |
| Net interest margin | 2.5370% | 7,039 |
| Noninterest income to average assets | 0.1111% | 6,595 |
| Noninterest expense to average assets | 1.7981% | 6,955 |
| Loan and lease loss provision to assets | 0.0978% | 5,369 |
| Net operating income to assets | 0.2672% | 5,378 |
| Return on assets (ROA) | 0.9749% | 2,435 |
| Pretax return on assets | 1.7833% | 834 |
| Return on Equity (ROE) | 13.2048% | 1,124 |
| Retained earnings to average equity (ytd only) | 10.6386% | 459 |
| Net charge-offs to loans | 0.0608% | 5,692 |
| Credit loss provision to net charge-offs | 409.2784% | 565 |
| Earnings coverage of net charge-offs (x) | 32.4433% | 792 |
| Efficiency ratio | 69.8708% | 3,988 |
| Assets per employee ($millions) | 12.7426% | 128 |
| Cash dividends to net income (ytd only)* | 19.4339% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2424% | 5,214 |
| Loan loss allowance to noncurrent loans | 217.6641% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 6,371 |
| Noncurrent loans to loans | 0.5708% | 5,570 |
| Net loans and leases to total assets | 41.3719% | 6,436 |
| Net loans and leases to deposits | 48.5155% | 6,462 |
| Net loans and leases to core deposits | 66.2100% | 5,229 |
| Total domestic deposits to total assets | 85.2756% | 3,705 |
| Equity capital to assets | 7.4308% | 6,842 |
| Core capital (leverage) ratio | 7.3774% | 6,709 |
| Tier 1 risk-based capital ratio | 16.4631% | 2,838 |
| Total risk-based capital ratio | 17.6679% | 2,825 |
| Memoranda: | ||
| Average total assets | $405,872,600 | 1,599 |
| Average earning assets | $393,932,800 | 1,514 |
| Average equity | $29,966,400 | 2,202 |
| Average total loans | $159,545,600 | 2,503 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6474% | 6,981 |
| Cost of funding earning assets | 1.0724% | 3,162 |
| Net interest margin | 2.5751% | 7,087 |
| Noninterest income to average assets | 0.1089% | 6,710 |
| Noninterest expense to average assets | 1.8411% | 6,937 |
| Loan and lease loss provision to assets | 0.1327% | 4,772 |
| Net operating income to assets | 0.2566% | 5,546 |
| Return on assets (ROA) | 0.8440% | 3,118 |
| Pretax return on assets | 1.5484% | 1,524 |
| Return on Equity (ROE) | 11.4518% | 1,704 |
| Retained earnings to average equity (ytd only) | 8.6319% | 1,270 |
| Net charge-offs to loans | 0.0839% | 5,137 |
| Credit loss provision to net charge-offs | 409.2784% | 700 |
| Earnings coverage of net charge-offs (x) | 23.5464% | 1,110 |
| Efficiency ratio | 70.6954% | 3,814 |
| Assets per employee ($millions) | 12.3499% | 142 |
| Cash dividends to net income (ytd only)* | 24.6238% | 2,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3356% | 4,844 |
| Loan loss allowance to noncurrent loans | 216.6186% | 1,449 |
| Noncurrent assets plus other real estate owned to assets | 0.2479% | 6,442 |
| Noncurrent loans to loans | 0.6165% | 5,655 |
| Net loans and leases to total assets | 39.6739% | 6,661 |
| Net loans and leases to deposits | 49.7353% | 6,519 |
| Net loans and leases to core deposits | 69.3000% | 5,029 |
| Total domestic deposits to total assets | 79.7700% | 5,806 |
| Equity capital to assets | 7.5080% | 6,929 |
| Core capital (leverage) ratio | 7.3437% | 6,834 |
| Tier 1 risk-based capital ratio | 16.6434% | 2,791 |
| Total risk-based capital ratio | 17.8937% | 2,754 |
| Memoranda: | ||
| Average total assets | $399,028,750 | 1,634 |
| Average earning assets | $386,675,000 | 1,541 |
| Average equity | $29,409,500 | 2,233 |
| Average total loans | $154,057,500 | 2,607 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6410% | 7,070 |
| Cost of funding earning assets | 1.0996% | 3,243 |
| Net interest margin | 2.5414% | 7,161 |
| Noninterest income to average assets | 0.1117% | 6,773 |
| Noninterest expense to average assets | 1.8466% | 7,019 |
| Loan and lease loss provision to assets | 0.2025% | 3,899 |
| Net operating income to assets | 0.2497% | 5,563 |
| Return on assets (ROA) | 0.4713% | 4,777 |
| Pretax return on assets | 0.8682% | 3,767 |
| Return on Equity (ROE) | 6.4381% | 3,734 |
| Retained earnings to average equity (ytd only) | 2.9334% | 4,418 |
| Net charge-offs to loans | 0.1422% | 4,344 |
| Credit loss provision to net charge-offs | 374.5283% | 816 |
| Earnings coverage of net charge-offs (x) | 13.3962% | 1,551 |
| Efficiency ratio | 71.8254% | 3,775 |
| Assets per employee ($millions) | 11.5793% | 160 |
| Cash dividends to net income (ytd only)* | 54.4372% | 1,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3997% | 4,569 |
| Loan loss allowance to noncurrent loans | 329.3255% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1683% | 6,674 |
| Noncurrent loans to loans | 0.4250% | 6,052 |
| Net loans and leases to total assets | 39.0383% | 6,798 |
| Net loans and leases to deposits | 48.1829% | 6,714 |
| Net loans and leases to core deposits | 97.3499% | 1,549 |
| Total domestic deposits to total assets | 81.0211% | 5,522 |
| Equity capital to assets | 7.2583% | 7,040 |
| Core capital (leverage) ratio | 6.9797% | 7,002 |
| Tier 1 risk-based capital ratio | 15.8188% | 3,069 |
| Total risk-based capital ratio | 17.0683% | 3,048 |
| Memoranda: | ||
| Average total assets | $392,073,000 | 1,676 |
| Average earning assets | $379,397,670 | 1,581 |
| Average equity | $28,704,000 | 2,267 |
| Average total loans | $149,128,670 | 2,697 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5335% | 7,192 |
| Cost of funding earning assets | 1.1235% | 3,347 |
| Net interest margin | 2.4100% | 7,252 |
| Noninterest income to average assets | 0.1007% | 6,909 |
| Noninterest expense to average assets | 1.8523% | 7,069 |
| Loan and lease loss provision to assets | 0.1743% | 3,879 |
| Net operating income to assets | 0.1794% | 5,849 |
| Return on assets (ROA) | 0.4504% | 4,801 |
| Pretax return on assets | 0.8302% | 3,788 |
| Return on Equity (ROE) | 6.1239% | 3,825 |
| Retained earnings to average equity (ytd only) | 0.6773% | 5,553 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1194% | 3,147 |
| Assets per employee ($millions) | 11.0146% | 192 |
| Cash dividends to net income (ytd only)* | 88.9401% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4084% | 4,622 |
| Loan loss allowance to noncurrent loans | 311.2903% | 994 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 6,715 |
| Noncurrent loans to loans | 0.4524% | 6,107 |
| Net loans and leases to total assets | 38.5496% | 6,869 |
| Net loans and leases to deposits | 47.8906% | 6,764 |
| Net loans and leases to core deposits | 87.1109% | 2,720 |
| Total domestic deposits to total assets | 80.4952% | 5,816 |
| Equity capital to assets | 7.2877% | 6,980 |
| Core capital (leverage) ratio | 6.9547% | 7,029 |
| Tier 1 risk-based capital ratio | 16.7661% | 2,562 |
| Total risk-based capital ratio | 18.0160% | 2,531 |
| Memoranda: | ||
| Average total assets | $385,471,500 | 1,711 |
| Average earning assets | $373,109,500 | 1,625 |
| Average equity | $28,348,000 | 2,279 |
| Average total loans | $143,463,500 | 2,816 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6090% | 7,345 |
| Cost of funding earning assets | 1.2436% | 4,257 |
| Net interest margin | 2.3653% | 7,336 |
| Noninterest income to average assets | 0.1350% | 6,717 |
| Noninterest expense to average assets | 1.7926% | 7,274 |
| Loan and lease loss provision to assets | 0.3275% | 4,190 |
| Net operating income to assets | 0.0518% | 5,694 |
| Return on assets (ROA) | 0.4699% | 4,396 |
| Pretax return on assets | 0.8658% | 3,421 |
| Return on Equity (ROE) | 6.2132% | 3,509 |
| Retained earnings to average equity (ytd only) | 3.9151% | 3,119 |
| Net charge-offs to loans | 0.9889% | 2,207 |
| Credit loss provision to net charge-offs | 92.7450% | 5,003 |
| Earnings coverage of net charge-offs (x) | 1.5295% | 4,599 |
| Efficiency ratio | 76.8456% | 2,895 |
| Assets per employee ($millions) | 11.3362% | 184 |
| Cash dividends to net income (ytd only)* | 36.9871% | 2,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 4,346 |
| Loan loss allowance to noncurrent loans | 286.6569% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.1769% | 6,793 |
| Noncurrent loans to loans | 0.5008% | 6,037 |
| Net loans and leases to total assets | 34.8274% | 7,203 |
| Net loans and leases to deposits | 43.2591% | 7,145 |
| Net loans and leases to core deposits | 82.3888% | 3,842 |
| Total domestic deposits to total assets | 80.5089% | 5,683 |
| Equity capital to assets | 7.4205% | 6,925 |
| Core capital (leverage) ratio | 7.2738% | 6,861 |
| Tier 1 risk-based capital ratio | 17.8635% | 2,043 |
| Total risk-based capital ratio | 19.1134% | 2,006 |
| Memoranda: | ||
| Average total assets | $378,622,400 | 1,738 |
| Average earning assets | $351,792,000 | 1,708 |
| Average equity | $28,632,400 | 2,266 |
| Average total loans | $135,205,000 | 3,032 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6646% | 7,469 |
| Cost of funding earning assets | 1.2725% | 4,418 |
| Net interest margin | 2.3921% | 7,444 |
| Noninterest income to average assets | 0.1397% | 6,852 |
| Noninterest expense to average assets | 1.7712% | 7,358 |
| Loan and lease loss provision to assets | 0.0630% | 6,433 |
| Net operating income to assets | 0.2045% | 5,497 |
| Return on assets (ROA) | 0.6707% | 3,705 |
| Pretax return on assets | 1.2324% | 2,386 |
| Return on Equity (ROE) | 8.8265% | 2,552 |
| Retained earnings to average equity (ytd only) | 6.3173% | 2,193 |
| Net charge-offs to loans | -0.0010% | 7,167 |
| Credit loss provision to net charge-offs | -17,800.0000% | 7,214 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7489% | 3,000 |
| Assets per employee ($millions) | 11.9216% | 172 |
| Cash dividends to net income (ytd only)* | 28.4283% | 2,616 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 3,460 |
| Loan loss allowance to noncurrent loans | 70.0911% | 3,812 |
| Noncurrent assets plus other real estate owned to assets | 0.8344% | 5,426 |
| Noncurrent loans to loans | 2.3047% | 3,338 |
| Net loans and leases to total assets | 35.6175% | 7,277 |
| Net loans and leases to deposits | 44.5638% | 7,220 |
| Net loans and leases to core deposits | 83.3270% | 4,045 |
| Total domestic deposits to total assets | 79.9249% | 5,728 |
| Equity capital to assets | 7.7716% | 6,953 |
| Core capital (leverage) ratio | 7.4458% | 6,883 |
| Tier 1 risk-based capital ratio | 18.2037% | 1,967 |
| Total risk-based capital ratio | 19.4079% | 1,938 |
| Memoranda: | ||
| Average total assets | $376,920,000 | 1,771 |
| Average earning assets | $346,404,750 | 1,753 |
| Average equity | $28,640,250 | 2,299 |
| Average total loans | $134,958,500 | 3,078 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7202% | 7,522 |
| Cost of funding earning assets | 1.2737% | 4,696 |
| Net interest margin | 2.4465% | 7,445 |
| Noninterest income to average assets | 0.1470% | 6,846 |
| Noninterest expense to average assets | 1.7885% | 7,400 |
| Loan and lease loss provision to assets | 0.0064% | 6,824 |
| Net operating income to assets | 0.2529% | 5,366 |
| Return on assets (ROA) | 0.7091% | 3,519 |
| Pretax return on assets | 1.3021% | 2,078 |
| Return on Equity (ROE) | 9.4049% | 2,315 |
| Retained earnings to average equity (ytd only) | 6.4442% | 2,105 |
| Net charge-offs to loans | -0.0015% | 7,063 |
| Credit loss provision to net charge-offs | -1,200.0000% | 6,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0168% | 3,257 |
| Assets per employee ($millions) | 11.9358% | 167 |
| Cash dividends to net income (ytd only)* | 31.4801% | 2,460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5107% | 3,864 |
| Loan loss allowance to noncurrent loans | 118.0000% | 2,373 |
| Noncurrent assets plus other real estate owned to assets | 0.4582% | 6,302 |
| Noncurrent loans to loans | 1.2802% | 4,822 |
| Net loans and leases to total assets | 35.2486% | 7,377 |
| Net loans and leases to deposits | 45.6084% | 7,266 |
| Net loans and leases to core deposits | 79.9495% | 4,697 |
| Total domestic deposits to total assets | 77.2853% | 6,437 |
| Equity capital to assets | 7.7595% | 6,957 |
| Core capital (leverage) ratio | 7.4551% | 6,866 |
| Tier 1 risk-based capital ratio | 18.4497% | 1,846 |
| Total risk-based capital ratio | 19.7008% | 1,815 |
| Memoranda: | ||
| Average total assets | $375,396,000 | 1,788 |
| Average earning assets | $343,262,670 | 1,781 |
| Average equity | $28,304,330 | 2,320 |
| Average total loans | $133,908,330 | 3,128 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7990% | 7,590 |
| Cost of funding earning assets | 1.2529% | 5,097 |
| Net interest margin | 2.5461% | 7,435 |
| Noninterest income to average assets | 0.1623% | 6,814 |
| Noninterest expense to average assets | 1.8338% | 7,431 |
| Loan and lease loss provision to assets | 0.0043% | 6,537 |
| Net operating income to assets | 0.2818% | 5,363 |
| Return on assets (ROA) | 0.7084% | 3,511 |
| Pretax return on assets | 1.3017% | 2,046 |
| Return on Equity (ROE) | 9.5376% | 2,275 |
| Retained earnings to average equity (ytd only) | 5.2102% | 3,037 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1417% | 3,556 |
| Assets per employee ($millions) | 12.0626% | 170 |
| Cash dividends to net income (ytd only)* | 45.3718% | 1,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5322% | 3,737 |
| Loan loss allowance to noncurrent loans | 117.4857% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.4680% | 6,300 |
| Noncurrent loans to loans | 1.3042% | 4,800 |
| Net loans and leases to total assets | 35.3336% | 7,450 |
| Net loans and leases to deposits | 45.6531% | 7,342 |
| Net loans and leases to core deposits | 78.4970% | 4,963 |
| Total domestic deposits to total assets | 77.3957% | 6,475 |
| Equity capital to assets | 7.4808% | 7,084 |
| Core capital (leverage) ratio | 7.4597% | 6,891 |
| Tier 1 risk-based capital ratio | 17.1687% | 2,209 |
| Total risk-based capital ratio | 18.4200% | 2,162 |
| Memoranda: | ||
| Average total assets | $372,120,500 | 1,843 |
| Average earning assets | $337,771,500 | 1,852 |
| Average equity | $27,638,000 | 2,398 |
| Average total loans | $132,514,500 | 3,212 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4042% | 7,474 |
| Cost of funding earning assets | 1.7350% | 4,333 |
| Net interest margin | 2.6692% | 7,250 |
| Noninterest income to average assets | 0.1418% | 7,030 |
| Noninterest expense to average assets | 2.0200% | 7,341 |
| Loan and lease loss provision to assets | 0.6460% | 3,221 |
| Net operating income to assets | -0.1772% | 5,815 |
| Return on assets (ROA) | 0.4550% | 4,034 |
| Pretax return on assets | 0.8401% | 3,111 |
| Return on Equity (ROE) | 5.7223% | 3,318 |
| Retained earnings to average equity (ytd only) | 3.0301% | 3,044 |
| Net charge-offs to loans | 1.7902% | 1,397 |
| Credit loss provision to net charge-offs | 93.5430% | 5,869 |
| Earnings coverage of net charge-offs (x) | 0.7214% | 5,381 |
| Efficiency ratio | 80.2157% | 2,855 |
| Assets per employee ($millions) | 11.9451% | 171 |
| Cash dividends to net income (ytd only)* | 47.0477% | 2,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 3,405 |
| Loan loss allowance to noncurrent loans | 117.2571% | 2,406 |
| Noncurrent assets plus other real estate owned to assets | 0.4726% | 6,274 |
| Noncurrent loans to loans | 1.3375% | 4,688 |
| Net loans and leases to total assets | 34.7811% | 7,571 |
| Net loans and leases to deposits | 43.3998% | 7,537 |
| Net loans and leases to core deposits | 60.6386% | 7,241 |
| Total domestic deposits to total assets | 80.1412% | 5,634 |
| Equity capital to assets | 7.3730% | 7,142 |
| Core capital (leverage) ratio | 7.2009% | 7,071 |
| Tier 1 risk-based capital ratio | 17.6975% | 1,972 |
| Total risk-based capital ratio | 18.9483% | 1,925 |
| Memoranda: | ||
| Average total assets | $349,859,000 | 1,946 |
| Average earning assets | $311,475,600 | 1,996 |
| Average equity | $27,820,800 | 2,391 |
| Average total loans | $134,957,200 | 3,173 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4776% | 7,533 |
| Cost of funding earning assets | 1.8247% | 4,255 |
| Net interest margin | 2.6529% | 7,288 |
| Noninterest income to average assets | 0.1508% | 7,104 |
| Noninterest expense to average assets | 2.1716% | 7,046 |
| Loan and lease loss provision to assets | 0.2769% | 4,761 |
| Net operating income to assets | -0.0625% | 5,826 |
| Return on assets (ROA) | 0.6157% | 3,601 |
| Pretax return on assets | 1.1332% | 2,467 |
| Return on Equity (ROE) | 7.5942% | 2,817 |
| Retained earnings to average equity (ytd only) | 4.5937% | 2,707 |
| Net charge-offs to loans | 0.0412% | 6,325 |
| Credit loss provision to net charge-offs | 1,704.7619% | 228 |
| Earnings coverage of net charge-offs (x) | 21.5709% | 1,193 |
| Efficiency ratio | 86.1064% | 2,052 |
| Assets per employee ($millions) | 11.7855% | 183 |
| Cash dividends to net income (ytd only)* | 39.5103% | 2,463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1796% | 1,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 34.2966% | 7,680 |
| Net loans and leases to deposits | 45.1531% | 7,592 |
| Net loans and leases to core deposits | 63.5843% | 7,261 |
| Total domestic deposits to total assets | 75.9562% | 6,589 |
| Equity capital to assets | 7.5363% | 7,273 |
| Core capital (leverage) ratio | 7.7034% | 6,728 |
| Tier 1 risk-based capital ratio | 17.5915% | 2,099 |
| Total risk-based capital ratio | 18.8016% | 2,072 |
| Memoranda: | ||
| Average total assets | $344,749,000 | 1,992 |
| Average earning assets | $308,131,250 | 2,042 |
| Average equity | $27,950,500 | 2,395 |
| Average total loans | $135,985,000 | 3,191 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6529% | 7,462 |
| Cost of funding earning assets | 2.0093% | 3,730 |
| Net interest margin | 2.6436% | 7,303 |
| Noninterest income to average assets | 0.1659% | 7,092 |
| Noninterest expense to average assets | 2.2374% | 6,957 |
| Loan and lease loss provision to assets | 0.0066% | 7,126 |
| Net operating income to assets | 0.0176% | 5,786 |
| Return on assets (ROA) | 0.7750% | 3,056 |
| Pretax return on assets | 1.4140% | 1,686 |
| Return on Equity (ROE) | 9.3116% | 2,251 |
| Retained earnings to average equity (ytd only) | 5.6488% | 2,181 |
| Net charge-offs to loans | 0.0612% | 5,642 |
| Credit loss provision to net charge-offs | 26.1905% | 6,068 |
| Earnings coverage of net charge-offs (x) | 9.4286% | 2,131 |
| Efficiency ratio | 90.4163% | 1,771 |
| Assets per employee ($millions) | 10.5876% | 228 |
| Cash dividends to net income (ytd only)* | 39.3354% | 2,459 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5680% | 2,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 40.3375% | 7,530 |
| Net loans and leases to deposits | 51.7427% | 7,398 |
| Net loans and leases to core deposits | 79.3231% | 6,462 |
| Total domestic deposits to total assets | 77.9578% | 6,085 |
| Equity capital to assets | 8.1944% | 6,498 |
| Core capital (leverage) ratio | 7.9616% | 6,400 |
| Tier 1 risk-based capital ratio | 18.2219% | 1,951 |
| Total risk-based capital ratio | 19.4398% | 1,907 |
| Memoranda: | ||
| Average total assets | $333,953,000 | 2,082 |
| Average earning assets | $291,648,000 | 2,158 |
| Average equity | $27,793,330 | 2,418 |
| Average total loans | $137,237,670 | 3,204 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8090% | 7,357 |
| Cost of funding earning assets | 2.1152% | 3,579 |
| Net interest margin | 2.6937% | 7,216 |
| Noninterest income to average assets | 0.1556% | 7,196 |
| Noninterest expense to average assets | 2.2526% | 6,683 |
| Loan and lease loss provision to assets | -0.0205% | 8,180 |
| Net operating income to assets | -0.0076% | 6,267 |
| Return on assets (ROA) | 1.0364% | 2,307 |
| Pretax return on assets | 1.8918% | 814 |
| Return on Equity (ROE) | 12.3559% | 1,554 |
| Retained earnings to average equity (ytd only) | 6.7605% | 2,307 |
| Net charge-offs to loans | 0.1231% | 3,991 |
| Credit loss provision to net charge-offs | -40.4762% | 6,162 |
| Earnings coverage of net charge-offs (x) | 4.7381% | 2,822 |
| Efficiency ratio | 90.3679% | 1,694 |
| Assets per employee ($millions) | 10.4556% | 237 |
| Cash dividends to net income (ytd only)* | 45.2852% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5753% | 2,626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 40.1306% | 7,560 |
| Net loans and leases to deposits | 51.8605% | 7,411 |
| Net loans and leases to core deposits | 81.7098% | 6,253 |
| Total domestic deposits to total assets | 77.3817% | 6,186 |
| Equity capital to assets | 8.4515% | 6,150 |
| Core capital (leverage) ratio | 7.7618% | 6,801 |
| Tier 1 risk-based capital ratio | 18.9853% | 1,813 |
| Total risk-based capital ratio | 20.2385% | 1,773 |
| Memoranda: | ||
| Average total assets | $331,527,500 | 2,103 |
| Average earning assets | $287,630,000 | 2,197 |
| Average equity | $27,808,500 | 2,432 |
| Average total loans | $136,435,500 | 3,240 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0451% | 7,811 |
| Cost of funding earning assets | 2.0708% | 6,161 |
| Net interest margin | 2.9743% | 6,974 |
| Noninterest income to average assets | 0.1833% | 7,137 |
| Noninterest expense to average assets | 2.1897% | 6,991 |
| Loan and lease loss provision to assets | 0.1026% | 6,068 |
| Net operating income to assets | 0.3629% | 5,299 |
| Return on assets (ROA) | 0.4841% | 4,631 |
| Pretax return on assets | 0.8756% | 3,809 |
| Return on Equity (ROE) | 5.3722% | 4,208 |
| Retained earnings to average equity (ytd only) | 2.2079% | 3,838 |
| Net charge-offs to loans | -0.0039% | 7,772 |
| Credit loss provision to net charge-offs | -6,020.0000% | 7,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5186% | 3,659 |
| Assets per employee ($millions) | 10.2649% | 238 |
| Cash dividends to net income (ytd only)* | 58.9022% | 2,724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6181% | 2,166 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 40.8692% | 7,632 |
| Net loans and leases to deposits | 53.6454% | 7,461 |
| Net loans and leases to core deposits | 81.4817% | 6,495 |
| Total domestic deposits to total assets | 76.1840% | 6,198 |
| Equity capital to assets | 8.3233% | 6,385 |
| Core capital (leverage) ratio | 8.3990% | 5,766 |
| Tier 1 risk-based capital ratio | 16.9944% | 2,312 |
| Total risk-based capital ratio | 18.2467% | 2,263 |
| Memoranda: | ||
| Average total assets | $293,507,400 | 2,235 |
| Average earning assets | $275,832,400 | 2,196 |
| Average equity | $26,450,800 | 2,519 |
| Average total loans | $128,664,400 | 3,290 |