Home > Kinderhook State Bank > Performance and Condition Ratios
Kinderhook State Bank, Performance and Condition Ratios
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 4,840 |
| Cost of funding earning assets | 0.7691% | 1,715 |
| Net interest margin | 3.0251% | 5,508 |
| Noninterest income to average assets | 0.3949% | 4,501 |
| Noninterest expense to average assets | 3.8101% | 1,098 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.6737% | 6,732 |
| Return on assets (ROA) | -0.6737% | 6,746 |
| Pretax return on assets | -0.6737% | 6,721 |
| Return on Equity (ROE) | -8.4333% | 6,773 |
| Retained earnings to average equity (ytd only) | -8.4333% | 6,549 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.4815% | 207 |
| Assets per employee ($millions) | 2.7500% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9312% | 6,181 |
| Loan loss allowance to noncurrent loans | 444.4444% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.4000% | 5,391 |
| Noncurrent loans to loans | 0.2095% | 5,883 |
| Net loans and leases to total assets | 51.5818% | 4,758 |
| Net loans and leases to deposits | 56.3381% | 5,213 |
| Net loans and leases to core deposits | 58.2666% | 5,323 |
| Total domestic deposits to total assets | 91.5576% | 340 |
| Equity capital to assets | 8.2364% | 6,228 |
| Core capital (leverage) ratio | 7.9971% | 6,148 |
| Tier 1 risk-based capital ratio | 13.2070% | 5,065 |
| Total risk-based capital ratio | 14.0135% | 5,342 |
| Memoranda: | ||
| Average total assets | $17,217,500 | 6,938 |
| Average earning assets | $15,603,000 | 6,923 |
| Average equity | $1,375,500 | 6,963 |
| Average total loans | $8,853,500 | 6,818 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 4,655 |
| Cost of funding earning assets | 0.9526% | 1,628 |
| Net interest margin | 3.2305% | 5,490 |
| Noninterest income to average assets | 0.5446% | 3,618 |
| Noninterest expense to average assets | 3.5992% | 1,611 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.1252% | 6,308 |
| Return on assets (ROA) | -0.1252% | 6,401 |
| Pretax return on assets | -0.1252% | 6,379 |
| Return on Equity (ROE) | -1.4126% | 6,418 |
| Retained earnings to average equity (ytd only) | -1.4126% | 6,078 |
| Net charge-offs to loans | 0.0115% | 5,762 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -20.0000% | 5,965 |
| Efficiency ratio | 103.6036% | 451 |
| Assets per employee ($millions) | 2.9892% | 6,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8776% | 6,321 |
| Loan loss allowance to noncurrent loans | 421.0526% | 951 |
| Noncurrent assets plus other real estate owned to assets | 0.3736% | 5,577 |
| Noncurrent loans to loans | 0.2084% | 5,951 |
| Net loans and leases to total assets | 50.3819% | 5,115 |
| Net loans and leases to deposits | 54.7139% | 5,582 |
| Net loans and leases to core deposits | 56.4221% | 5,682 |
| Total domestic deposits to total assets | 92.0825% | 233 |
| Equity capital to assets | 7.7614% | 6,518 |
| Core capital (leverage) ratio | 8.4720% | 5,653 |
| Tier 1 risk-based capital ratio | 12.3844% | 5,554 |
| Total risk-based capital ratio | 13.1243% | 5,820 |
| Memoranda: | ||
| Average total assets | $15,975,600 | 7,010 |
| Average earning assets | $14,487,000 | 7,002 |
| Average equity | $1,415,800 | 7,030 |
| Average total loans | $8,715,200 | 6,898 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3266% | 4,344 |
| Cost of funding earning assets | 1.0130% | 1,485 |
| Net interest margin | 3.3136% | 5,343 |
| Noninterest income to average assets | 0.5941% | 3,316 |
| Noninterest expense to average assets | 3.4784% | 1,809 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1292% | 6,074 |
| Return on assets (ROA) | 0.1292% | 6,221 |
| Pretax return on assets | 0.1292% | 6,232 |
| Return on Equity (ROE) | 1.4067% | 6,173 |
| Retained earnings to average equity (ytd only) | 1.4067% | 5,617 |
| Net charge-offs to loans | 0.0154% | 5,471 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 15.0376% | 1,796 |
| Efficiency ratio | 96.4200% | 662 |
| Assets per employee ($millions) | 2.5873% | 6,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 6,312 |
| Loan loss allowance to noncurrent loans | 400.0000% | 939 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 5,574 |
| Noncurrent loans to loans | 0.2313% | 6,030 |
| Net loans and leases to total assets | 55.1920% | 4,573 |
| Net loans and leases to deposits | 60.9432% | 5,092 |
| Net loans and leases to core deposits | 63.1905% | 5,246 |
| Total domestic deposits to total assets | 90.5630% | 575 |
| Equity capital to assets | 9.2502% | 5,531 |
| Core capital (leverage) ratio | 8.6410% | 5,565 |
| Tier 1 risk-based capital ratio | 13.5690% | 4,838 |
| Total risk-based capital ratio | 14.3591% | 5,124 |
| Memoranda: | ||
| Average total assets | $15,485,750 | 7,113 |
| Average earning assets | $14,083,250 | 7,101 |
| Average equity | $1,421,750 | 7,127 |
| Average total loans | $8,615,000 | 6,992 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2821% | 4,639 |
| Cost of funding earning assets | 1.0670% | 1,369 |
| Net interest margin | 3.2151% | 5,691 |
| Noninterest income to average assets | 0.6075% | 3,212 |
| Noninterest expense to average assets | 3.3607% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1680% | 6,006 |
| Return on assets (ROA) | 0.1680% | 6,179 |
| Pretax return on assets | 0.1680% | 6,198 |
| Return on Equity (ROE) | 1.8349% | 6,092 |
| Retained earnings to average equity (ytd only) | 1.8349% | 5,280 |
| Net charge-offs to loans | 0.0232% | 5,072 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 13.0000% | 1,833 |
| Efficiency ratio | 95.2381% | 739 |
| Assets per employee ($millions) | 3.2508% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 6,248 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.4430% | 5,668 |
| Noncurrent loans to loans | 0.2924% | 5,983 |
| Net loans and leases to total assets | 50.0123% | 5,353 |
| Net loans and leases to deposits | 55.3332% | 5,727 |
| Net loans and leases to core deposits | 57.9319% | 5,782 |
| Total domestic deposits to total assets | 90.3839% | 722 |
| Equity capital to assets | 8.7978% | 5,915 |
| Core capital (leverage) ratio | 9.1718% | 4,656 |
| Tier 1 risk-based capital ratio | 14.0659% | 4,397 |
| Total risk-based capital ratio | 14.8866% | 4,683 |
| Memoranda: | ||
| Average total assets | $15,473,000 | 7,173 |
| Average earning assets | $14,058,670 | 7,161 |
| Average equity | $1,417,000 | 7,184 |
| Average total loans | $8,604,000 | 7,051 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5134% | 3,856 |
| Cost of funding earning assets | 1.2095% | 942 |
| Net interest margin | 3.3040% | 5,459 |
| Noninterest income to average assets | 0.5304% | 3,697 |
| Noninterest expense to average assets | 3.4477% | 1,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0530% | 6,325 |
| Return on assets (ROA) | 0.0530% | 6,442 |
| Pretax return on assets | 0.0530% | 6,450 |
| Return on Equity (ROE) | 0.5672% | 6,426 |
| Retained earnings to average equity (ytd only) | 0.5672% | 5,822 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4848% | 611 |
| Assets per employee ($millions) | 2.9904% | 6,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0118% | 6,195 |
| Loan loss allowance to noncurrent loans | 372.7273% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 5,686 |
| Noncurrent loans to loans | 0.2715% | 6,136 |
| Net loans and leases to total assets | 53.6517% | 4,779 |
| Net loans and leases to deposits | 59.4663% | 5,218 |
| Net loans and leases to core deposits | 60.6258% | 5,471 |
| Total domestic deposits to total assets | 90.2220% | 961 |
| Equity capital to assets | 9.4837% | 4,828 |
| Core capital (leverage) ratio | 9.1780% | 4,553 |
| Tier 1 risk-based capital ratio | 14.0382% | 4,443 |
| Total risk-based capital ratio | 14.8840% | 4,710 |
| Memoranda: | ||
| Average total assets | $15,082,500 | 7,242 |
| Average earning assets | $13,559,500 | 7,232 |
| Average equity | $1,410,500 | 7,240 |
| Average total loans | $8,801,500 | 7,107 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 3,079 |
| Cost of funding earning assets | 1.4662% | 816 |
| Net interest margin | 3.4914% | 5,172 |
| Noninterest income to average assets | 0.6403% | 2,945 |
| Noninterest expense to average assets | 4.0555% | 953 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.3040% | 6,349 |
| Return on assets (ROA) | -0.3040% | 6,400 |
| Pretax return on assets | -0.3040% | 6,355 |
| Return on Equity (ROE) | -3.3136% | 6,432 |
| Retained earnings to average equity (ytd only) | -3.3136% | 6,314 |
| Net charge-offs to loans | 0.0558% | 5,753 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | -9.4000% | 6,393 |
| Efficiency ratio | 108.1034% | 472 |
| Assets per employee ($millions) | 2.5355% | 6,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 6,616 |
| Loan loss allowance to noncurrent loans | 341.6667% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.4799% | 5,771 |
| Noncurrent loans to loans | 0.2527% | 6,227 |
| Net loans and leases to total assets | 61.9010% | 3,620 |
| Net loans and leases to deposits | 68.6771% | 4,336 |
| Net loans and leases to core deposits | 72.1167% | 4,514 |
| Total domestic deposits to total assets | 90.1334% | 924 |
| Equity capital to assets | 9.2224% | 5,254 |
| Core capital (leverage) ratio | 9.0287% | 4,729 |
| Tier 1 risk-based capital ratio | 12.5973% | 5,370 |
| Total risk-based capital ratio | 13.3574% | 5,738 |
| Memoranda: | ||
| Average total assets | $15,460,400 | 7,281 |
| Average earning assets | $13,776,800 | 7,267 |
| Average equity | $1,418,400 | 7,298 |
| Average total loans | $8,958,000 | 7,147 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0029% | 3,074 |
| Cost of funding earning assets | 1.5037% | 847 |
| Net interest margin | 3.4992% | 5,194 |
| Noninterest income to average assets | 0.7301% | 2,412 |
| Noninterest expense to average assets | 4.0886% | 908 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.2405% | 6,432 |
| Return on assets (ROA) | -0.2405% | 6,502 |
| Pretax return on assets | -0.2405% | 6,446 |
| Return on Equity (ROE) | -2.6247% | 6,535 |
| Retained earnings to average equity (ytd only) | -2.6247% | 6,372 |
| Net charge-offs to loans | 0.0907% | 5,065 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | -4.6663% | 6,094 |
| Efficiency ratio | 106.2500% | 499 |
| Assets per employee ($millions) | 2.5207% | 6,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 6,562 |
| Loan loss allowance to noncurrent loans | 324.0000% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.4893% | 5,863 |
| Noncurrent loans to loans | 0.2820% | 6,291 |
| Net loans and leases to total assets | 58.0865% | 4,501 |
| Net loans and leases to deposits | 64.3401% | 5,123 |
| Net loans and leases to core deposits | 68.0955% | 5,167 |
| Total domestic deposits to total assets | 90.2803% | 730 |
| Equity capital to assets | 9.4221% | 5,204 |
| Core capital (leverage) ratio | 9.0020% | 4,921 |
| Tier 1 risk-based capital ratio | 13.7948% | 4,503 |
| Total risk-based capital ratio | 14.6039% | 4,808 |
| Memoranda: | ||
| Average total assets | $15,522,250 | 7,358 |
| Average earning assets | $13,831,500 | 7,342 |
| Average equity | $1,422,250 | 7,373 |
| Average total loans | $8,822,750 | 7,222 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9860% | 3,228 |
| Cost of funding earning assets | 1.5464% | 849 |
| Net interest margin | 3.4396% | 5,406 |
| Noninterest income to average assets | 0.7538% | 2,248 |
| Noninterest expense to average assets | 4.2542% | 781 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -0.4599% | 6,657 |
| Return on assets (ROA) | -0.4599% | 6,681 |
| Pretax return on assets | -0.4599% | 6,632 |
| Return on Equity (ROE) | -5.0657% | 6,723 |
| Retained earnings to average equity (ytd only) | -5.0657% | 6,576 |
| Net charge-offs to loans | 0.1589% | 4,227 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | -5.1429% | 5,796 |
| Efficiency ratio | 112.1212% | 440 |
| Assets per employee ($millions) | 2.5870% | 6,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8996% | 6,661 |
| Loan loss allowance to noncurrent loans | 285.7143% | 1,101 |
| Noncurrent assets plus other real estate owned to assets | 0.6378% | 5,638 |
| Noncurrent loans to loans | 0.3149% | 6,286 |
| Net loans and leases to total assets | 56.7775% | 4,855 |
| Net loans and leases to deposits | 62.8064% | 5,414 |
| Net loans and leases to core deposits | 66.3679% | 5,464 |
| Total domestic deposits to total assets | 90.4007% | 757 |
| Equity capital to assets | 9.1161% | 5,404 |
| Core capital (leverage) ratio | 8.9892% | 4,739 |
| Tier 1 risk-based capital ratio | 13.4957% | 4,528 |
| Total risk-based capital ratio | 14.2815% | 4,873 |
| Memoranda: | ||
| Average total assets | $15,655,000 | 7,429 |
| Average earning assets | $13,838,670 | 7,413 |
| Average equity | $1,421,330 | 7,443 |
| Average total loans | $8,808,330 | 7,291 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1585% | 2,391 |
| Cost of funding earning assets | 1.5649% | 936 |
| Net interest margin | 3.5936% | 4,595 |
| Noninterest income to average assets | 0.4325% | 4,435 |
| Noninterest expense to average assets | 3.7910% | 1,352 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.2035% | 6,565 |
| Return on assets (ROA) | -0.2035% | 6,577 |
| Pretax return on assets | -0.2035% | 6,539 |
| Return on Equity (ROE) | -2.2464% | 6,612 |
| Retained earnings to average equity (ytd only) | -2.2464% | 6,189 |
| Net charge-offs to loans | 0.3650% | 2,606 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | -1.0000% | 4,895 |
| Efficiency ratio | 105.6738% | 582 |
| Assets per employee ($millions) | 2.5808% | 6,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9378% | 6,594 |
| Loan loss allowance to noncurrent loans | 272.4138% | 1,114 |
| Noncurrent assets plus other real estate owned to assets | 1.3562% | 4,259 |
| Noncurrent loans to loans | 0.3443% | 6,306 |
| Net loans and leases to total assets | 53.8909% | 5,323 |
| Net loans and leases to deposits | 59.8079% | 5,743 |
| Net loans and leases to core deposits | 63.2197% | 5,811 |
| Total domestic deposits to total assets | 90.1066% | 1,091 |
| Equity capital to assets | 9.1508% | 4,958 |
| Core capital (leverage) ratio | 9.1503% | 4,374 |
| Tier 1 risk-based capital ratio | 14.2595% | 3,900 |
| Total risk-based capital ratio | 15.0636% | 4,181 |
| Memoranda: | ||
| Average total assets | $15,721,500 | 7,486 |
| Average earning assets | $13,802,500 | 7,473 |
| Average equity | $1,424,500 | 7,497 |
| Average total loans | $8,766,000 | 7,347 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6536% | 1,739 |
| Cost of funding earning assets | 1.9341% | 757 |
| Net interest margin | 3.7194% | 4,270 |
| Noninterest income to average assets | -0.3643% | 7,530 |
| Noninterest expense to average assets | 5.2729% | 345 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -2.3957% | 7,160 |
| Return on assets (ROA) | -2.3957% | 7,169 |
| Pretax return on assets | -2.3957% | 7,133 |
| Return on Equity (ROE) | -24.6068% | 7,126 |
| Retained earnings to average equity (ytd only) | -24.6068% | 7,105 |
| Net charge-offs to loans | 0.8228% | 2,576 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | -4.6747% | 6,769 |
| Efficiency ratio | 183.2618% | 114 |
| Assets per employee ($millions) | 2.6597% | 6,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9552% | 6,553 |
| Loan loss allowance to noncurrent loans | 145.0000% | 2,051 |
| Noncurrent assets plus other real estate owned to assets | 1.3661% | 4,297 |
| Noncurrent loans to loans | 0.6588% | 5,732 |
| Net loans and leases to total assets | 56.5296% | 5,252 |
| Net loans and leases to deposits | 62.5763% | 5,785 |
| Net loans and leases to core deposits | 66.5069% | 5,829 |
| Total domestic deposits to total assets | 90.3371% | 916 |
| Equity capital to assets | 8.9736% | 5,182 |
| Core capital (leverage) ratio | 9.5277% | 3,672 |
| Tier 1 risk-based capital ratio | 13.2394% | 4,421 |
| Total risk-based capital ratio | 14.0563% | 4,736 |
| Memoranda: | ||
| Average total assets | $16,196,000 | 7,551 |
| Average earning assets | $14,115,000 | 7,544 |
| Average equity | $1,576,800 | 7,572 |
| Average total loans | $10,087,000 | 7,391 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7301% | 1,609 |
| Cost of funding earning assets | 2.0163% | 715 |
| Net interest margin | 3.7138% | 4,336 |
| Noninterest income to average assets | -0.6152% | 7,699 |
| Noninterest expense to average assets | 5.8564% | 230 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -3.2235% | 7,480 |
| Return on assets (ROA) | -3.2235% | 7,494 |
| Pretax return on assets | -3.2235% | 7,464 |
| Return on Equity (ROE) | -32.4854% | 7,420 |
| Retained earnings to average equity (ytd only) | -32.4854% | 7,415 |
| Net charge-offs to loans | 0.7226% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | -7.0183% | 6,610 |
| Efficiency ratio | 222.4299% | 61 |
| Assets per employee ($millions) | 2.4422% | 7,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1404% | 5,756 |
| Loan loss allowance to noncurrent loans | 104.6296% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 2.3749% | 3,000 |
| Noncurrent loans to loans | 1.0899% | 5,062 |
| Net loans and leases to total assets | 66.8532% | 3,499 |
| Net loans and leases to deposits | 74.6760% | 4,402 |
| Net loans and leases to core deposits | 81.8448% | 4,266 |
| Total domestic deposits to total assets | 89.5243% | 1,111 |
| Equity capital to assets | 9.8683% | 4,335 |
| Core capital (leverage) ratio | 9.6585% | 3,676 |
| Tier 1 risk-based capital ratio | 12.7859% | 4,743 |
| Total risk-based capital ratio | 13.8157% | 4,902 |
| Memoranda: | ||
| Average total assets | $16,255,500 | 7,642 |
| Average earning assets | $14,217,000 | 7,638 |
| Average equity | $1,613,000 | 7,662 |
| Average total loans | $10,331,750 | 7,477 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7053% | 1,739 |
| Cost of funding earning assets | 2.1258% | 605 |
| Net interest margin | 3.5795% | 4,902 |
| Noninterest income to average assets | -1.0959% | 7,798 |
| Noninterest expense to average assets | 6.5159% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -4.5028% | 7,662 |
| Return on assets (ROA) | -4.5028% | 7,668 |
| Pretax return on assets | -4.5028% | 7,649 |
| Return on Equity (ROE) | -45.3055% | 7,576 |
| Retained earnings to average equity (ytd only) | -45.3055% | 7,568 |
| Net charge-offs to loans | 0.8976% | 2,037 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | -8.0426% | 6,311 |
| Efficiency ratio | 323.6686% | 32 |
| Assets per employee ($millions) | 2.6298% | 6,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2496% | 5,187 |
| Loan loss allowance to noncurrent loans | 100.8333% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 2.2942% | 3,134 |
| Noncurrent loans to loans | 1.2393% | 4,902 |
| Net loans and leases to total assets | 60.5995% | 4,947 |
| Net loans and leases to deposits | 67.1536% | 5,661 |
| Net loans and leases to core deposits | 74.7440% | 5,362 |
| Total domestic deposits to total assets | 90.2402% | 797 |
| Equity capital to assets | 9.2655% | 5,053 |
| Core capital (leverage) ratio | 8.6101% | 5,216 |
| Tier 1 risk-based capital ratio | 12.8152% | 4,593 |
| Total risk-based capital ratio | 13.9087% | 4,696 |
| Memoranda: | ||
| Average total assets | $16,789,670 | 7,699 |
| Average earning assets | $14,583,000 | 7,694 |
| Average equity | $1,668,670 | 7,721 |
| Average total loans | $10,472,670 | 7,527 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7012% | 1,778 |
| Cost of funding earning assets | 2.2096% | 572 |
| Net interest margin | 3.4917% | 5,196 |
| Noninterest income to average assets | -0.6013% | 7,872 |
| Noninterest expense to average assets | 4.5562% | 541 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -2.1972% | 7,503 |
| Return on assets (ROA) | -2.1972% | 7,509 |
| Pretax return on assets | -2.1972% | 7,458 |
| Return on Equity (ROE) | -21.4447% | 7,461 |
| Retained earnings to average equity (ytd only) | -21.4447% | 7,405 |
| Net charge-offs to loans | 1.7667% | 980 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | -1.9792% | 5,470 |
| Efficiency ratio | 193.1373% | 105 |
| Assets per employee ($millions) | 2.4516% | 7,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 5,472 |
| Loan loss allowance to noncurrent loans | 99.1803% | 2,800 |
| Noncurrent assets plus other real estate owned to assets | 2.5931% | 2,811 |
| Noncurrent loans to loans | 1.2164% | 4,933 |
| Net loans and leases to total assets | 57.7414% | 5,487 |
| Net loans and leases to deposits | 68.0376% | 5,582 |
| Net loans and leases to core deposits | 75.5374% | 5,317 |
| Total domestic deposits to total assets | 84.8668% | 3,740 |
| Equity capital to assets | 10.0402% | 3,815 |
| Core capital (leverage) ratio | 10.5328% | 2,591 |
| Tier 1 risk-based capital ratio | 14.8607% | 3,178 |
| Total risk-based capital ratio | 15.9172% | 3,242 |
| Memoranda: | ||
| Average total assets | $17,295,000 | 7,787 |
| Average earning assets | $14,663,500 | 7,792 |
| Average equity | $1,772,000 | 7,794 |
| Average total loans | $10,867,500 | 7,605 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5896% | 564 |
| Cost of funding earning assets | 2.7958% | 452 |
| Net interest margin | 3.7938% | 3,736 |
| Noninterest income to average assets | 0.3355% | 5,693 |
| Noninterest expense to average assets | 5.3038% | 433 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -1.7012% | 6,959 |
| Return on assets (ROA) | -1.7012% | 6,966 |
| Pretax return on assets | -1.7012% | 6,820 |
| Return on Equity (ROE) | -14.2970% | 6,892 |
| Retained earnings to average equity (ytd only) | -14.2970% | 6,835 |
| Net charge-offs to loans | 0.1475% | 5,765 |
| Credit loss provision to net charge-offs | 0.0000% | 7,003 |
| Earnings coverage of net charge-offs (x) | -17.0000% | 7,184 |
| Efficiency ratio | 147.2222% | 336 |
| Assets per employee ($millions) | 2.4899% | 7,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4438% | 4,015 |
| Loan loss allowance to noncurrent loans | 52.3220% | 4,867 |
| Noncurrent assets plus other real estate owned to assets | 3.8499% | 1,729 |
| Noncurrent loans to loans | 2.7595% | 2,798 |
| Net loans and leases to total assets | 66.1885% | 4,109 |
| Net loans and leases to deposits | 74.3203% | 4,986 |
| Net loans and leases to core deposits | 91.0569% | 5,006 |
| Total domestic deposits to total assets | 89.0585% | 1,457 |
| Equity capital to assets | 10.4481% | 3,243 |
| Core capital (leverage) ratio | 10.5285% | 2,575 |
| Tier 1 risk-based capital ratio | 14.0599% | 3,462 |
| Total risk-based capital ratio | 15.3118% | 3,414 |
| Memoranda: | ||
| Average total assets | $16,987,800 | 7,851 |
| Average earning assets | $14,629,200 | 7,855 |
| Average equity | $2,021,400 | 7,839 |
| Average total loans | $11,525,400 | 7,626 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6780% | 529 |
| Cost of funding earning assets | 2.8975% | 464 |
| Net interest margin | 3.7805% | 3,733 |
| Noninterest income to average assets | 0.5451% | 4,118 |
| Noninterest expense to average assets | 4.4871% | 757 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.6952% | 6,600 |
| Return on assets (ROA) | -0.6952% | 6,615 |
| Pretax return on assets | -0.6952% | 6,482 |
| Return on Equity (ROE) | -5.6640% | 6,521 |
| Retained earnings to average equity (ytd only) | -5.6640% | 6,345 |
| Net charge-offs to loans | 0.1394% | 5,310 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | -7.3331% | 6,883 |
| Efficiency ratio | 118.3333% | 619 |
| Assets per employee ($millions) | 2.4727% | 7,271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4609% | 3,639 |
| Loan loss allowance to noncurrent loans | 648.1481% | 522 |
| Noncurrent assets plus other real estate owned to assets | 1.6870% | 3,846 |
| Noncurrent loans to loans | 0.2254% | 6,936 |
| Net loans and leases to total assets | 68.1957% | 3,913 |
| Net loans and leases to deposits | 77.8731% | 4,755 |
| Net loans and leases to core deposits | 97.8286% | 4,624 |
| Total domestic deposits to total assets | 87.5729% | 1,855 |
| Equity capital to assets | 11.7164% | 2,420 |
| Core capital (leverage) ratio | 11.6257% | 2,007 |
| Tier 1 risk-based capital ratio | 15.1928% | 2,957 |
| Total risk-based capital ratio | 16.4474% | 2,894 |
| Memoranda: | ||
| Average total assets | $16,877,500 | 7,938 |
| Average earning assets | $14,495,000 | 7,940 |
| Average equity | $2,071,500 | 7,910 |
| Average total loans | $11,480,500 | 7,706 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9267% | 359 |
| Cost of funding earning assets | 3.0659% | 393 |
| Net interest margin | 3.8608% | 3,286 |
| Noninterest income to average assets | 0.3944% | 5,339 |
| Noninterest expense to average assets | 4.3983% | 857 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.7530% | 6,794 |
| Return on assets (ROA) | -0.7530% | 6,804 |
| Pretax return on assets | -0.7530% | 6,653 |
| Return on Equity (ROE) | -6.0403% | 6,715 |
| Retained earnings to average equity (ytd only) | -6.0403% | 6,458 |
| Net charge-offs to loans | 0.2121% | 4,188 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | -5.2500% | 6,461 |
| Efficiency ratio | 120.6557% | 654 |
| Assets per employee ($millions) | 2.4073% | 7,417 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 3,053 |
| Loan loss allowance to noncurrent loans | 60.1375% | 4,446 |
| Noncurrent assets plus other real estate owned to assets | 3.7861% | 1,608 |
| Noncurrent loans to loans | 2.5379% | 2,849 |
| Net loans and leases to total assets | 67.0049% | 4,359 |
| Net loans and leases to deposits | 76.8723% | 5,042 |
| Net loans and leases to core deposits | 97.3446% | 4,750 |
| Total domestic deposits to total assets | 87.1640% | 2,164 |
| Equity capital to assets | 12.1833% | 2,106 |
| Core capital (leverage) ratio | 11.3160% | 2,184 |
| Tier 1 risk-based capital ratio | 15.2739% | 2,893 |
| Total risk-based capital ratio | 16.5063% | 2,835 |
| Memoranda: | ||
| Average total assets | $16,733,670 | 8,021 |
| Average earning assets | $14,090,330 | 8,034 |
| Average equity | $2,086,000 | 7,987 |
| Average total loans | $11,314,330 | 7,796 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6575% | 630 |
| Cost of funding earning assets | 3.0338% | 557 |
| Net interest margin | 3.6237% | 4,220 |
| Noninterest income to average assets | 0.4078% | 5,154 |
| Noninterest expense to average assets | 4.0300% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.5277% | 6,902 |
| Return on assets (ROA) | -0.5277% | 6,954 |
| Pretax return on assets | -0.5277% | 6,842 |
| Return on Equity (ROE) | -4.1855% | 6,904 |
| Retained earnings to average equity (ytd only) | -4.1855% | 6,447 |
| Net charge-offs to loans | -0.6407% | 8,128 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.0685% | 712 |
| Assets per employee ($millions) | 2.4323% | 7,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7991% | 1,852 |
| Loan loss allowance to noncurrent loans | 41.5479% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 3.4242% | 1,579 |
| Noncurrent loans to loans | 4.3302% | 1,348 |
| Net loans and leases to total assets | 65.4000% | 4,724 |
| Net loans and leases to deposits | 75.1197% | 5,326 |
| Net loans and leases to core deposits | 94.6773% | 5,095 |
| Total domestic deposits to total assets | 87.0610% | 2,183 |
| Equity capital to assets | 12.2988% | 2,078 |
| Core capital (leverage) ratio | 12.1555% | 1,838 |
| Tier 1 risk-based capital ratio | 16.7437% | 2,426 |
| Total risk-based capital ratio | 18.0011% | 2,353 |
| Memoranda: | ||
| Average total assets | $16,675,000 | 8,073 |
| Average earning assets | $14,239,500 | 8,079 |
| Average equity | $2,102,500 | 8,034 |
| Average total loans | $11,238,500 | 7,844 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6184% | 2,394 |
| Cost of funding earning assets | 3.1378% | 1,388 |
| Net interest margin | 3.4806% | 5,358 |
| Noninterest income to average assets | 0.4963% | 4,642 |
| Noninterest expense to average assets | 4.6762% | 779 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -1.0225% | 7,261 |
| Return on assets (ROA) | -1.0465% | 7,196 |
| Pretax return on assets | -1.0465% | 7,030 |
| Return on Equity (ROE) | -7.9807% | 7,125 |
| Retained earnings to average equity (ytd only) | -7.9807% | 6,885 |
| Net charge-offs to loans | 0.9302% | 1,330 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | -1.7100% | 6,689 |
| Efficiency ratio | 127.9869% | 482 |
| Assets per employee ($millions) | 2.7207% | 6,738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 2,001 |
| Loan loss allowance to noncurrent loans | 38.9937% | 6,120 |
| Noncurrent assets plus other real estate owned to assets | 3.4857% | 1,280 |
| Noncurrent loans to loans | 4.2826% | 1,132 |
| Net loans and leases to total assets | 67.0914% | 4,620 |
| Net loans and leases to deposits | 77.7675% | 5,371 |
| Net loans and leases to core deposits | 97.5766% | 5,089 |
| Total domestic deposits to total assets | 86.2717% | 2,275 |
| Equity capital to assets | 12.9319% | 1,817 |
| Core capital (leverage) ratio | 12.8282% | 1,604 |
| Tier 1 risk-based capital ratio | 17.4225% | 2,200 |
| Total risk-based capital ratio | 18.6754% | 2,143 |
| Memoranda: | ||
| Average total assets | $16,723,000 | 8,111 |
| Average earning assets | $15,169,800 | 8,101 |
| Average equity | $2,192,800 | 8,077 |
| Average total loans | $10,750,400 | 7,904 |