Home > Marathon National Bank of New York > Performance and Condition Ratios
Marathon National Bank of New York, Performance and Condition Ratios
| 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 | 4.2813% | 4,523 |
| Cost of funding earning assets | 0.5404% | 5,161 |
| Net interest margin | 3.7409% | 3,606 |
| Noninterest income to average assets | 0.2771% | 5,563 |
| Noninterest expense to average assets | 2.6580% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6502% | 4,138 |
| Return on assets (ROA) | 0.6434% | 4,435 |
| Pretax return on assets | 1.0658% | 3,480 |
| Return on Equity (ROE) | 5.0179% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.8573% | 3,471 |
| Net charge-offs to loans | -0.1032% | 6,860 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5395% | 3,953 |
| Assets per employee ($millions) | 6.0377% | 1,226 |
| Cash dividends to net income (ytd only)* | 3.2012% | 3,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7248% | 3,053 |
| Loan loss allowance to noncurrent loans | 524.0130% | 733 |
| Noncurrent assets plus other real estate owned to assets | 0.3242% | 5,885 |
| Noncurrent loans to loans | 0.3292% | 5,815 |
| Net loans and leases to total assets | 61.7792% | 3,430 |
| Net loans and leases to deposits | 71.4529% | 3,679 |
| Net loans and leases to core deposits | 77.3130% | 3,569 |
| Total domestic deposits to total assets | 86.4614% | 3,009 |
| Equity capital to assets | 13.0683% | 1,563 |
| Core capital (leverage) ratio | 11.2726% | 2,161 |
| Tier 1 risk-based capital ratio | 17.5585% | 2,517 |
| Total risk-based capital ratio | 18.8152% | 2,481 |
| Memoranda: | ||
| Average total assets | $893,426,500 | 739 |
| Average earning assets | $825,742,750 | 729 |
| Average equity | $114,547,250 | 630 |
| Average total loans | $564,490,750 | 734 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3417% | 4,408 |
| Cost of funding earning assets | 0.5492% | 5,312 |
| Net interest margin | 3.7925% | 3,397 |
| Noninterest income to average assets | 0.2774% | 5,589 |
| Noninterest expense to average assets | 2.5635% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.7931% | 3,422 |
| Return on assets (ROA) | 0.7827% | 3,725 |
| Pretax return on assets | 1.2037% | 2,908 |
| Return on Equity (ROE) | 6.1439% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.9506% | 2,738 |
| Net charge-offs to loans | -0.0913% | 6,838 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.1538% | 4,696 |
| Assets per employee ($millions) | 5.8660% | 1,320 |
| Cash dividends to net income (ytd only)* | 3.1465% | 3,474 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6595% | 3,392 |
| Loan loss allowance to noncurrent loans | 183.9458% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.6958% | 5,043 |
| Noncurrent loans to loans | 0.9022% | 4,692 |
| Net loans and leases to total assets | 62.7907% | 3,271 |
| Net loans and leases to deposits | 72.5240% | 3,531 |
| Net loans and leases to core deposits | 78.4503% | 3,454 |
| Total domestic deposits to total assets | 86.5793% | 3,023 |
| Equity capital to assets | 12.8834% | 1,575 |
| Core capital (leverage) ratio | 11.2577% | 2,078 |
| Tier 1 risk-based capital ratio | 17.0733% | 2,636 |
| Total risk-based capital ratio | 18.3293% | 2,595 |
| Memoranda: | ||
| Average total assets | $893,375,000 | 744 |
| Average earning assets | $825,888,330 | 730 |
| Average equity | $113,804,330 | 630 |
| Average total loans | $565,409,000 | 736 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 4,761 |
| Cost of funding earning assets | 0.5776% | 5,296 |
| Net interest margin | 3.7166% | 3,755 |
| Noninterest income to average assets | 0.2720% | 5,697 |
| Noninterest expense to average assets | 2.5630% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7445% | 3,654 |
| Return on assets (ROA) | 0.7445% | 3,889 |
| Pretax return on assets | 1.1453% | 3,137 |
| Return on Equity (ROE) | 5.8782% | 4,354 |
| Retained earnings to average equity (ytd only) | 5.5876% | 3,214 |
| Net charge-offs to loans | -0.2151% | 7,007 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4529% | 4,473 |
| Assets per employee ($millions) | 5.8950% | 1,345 |
| Cash dividends to net income (ytd only)* | 4.9427% | 2,656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6812% | 3,427 |
| Loan loss allowance to noncurrent loans | 155.1226% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.7556% | 5,041 |
| Noncurrent loans to loans | 1.0838% | 4,527 |
| Net loans and leases to total assets | 61.9502% | 3,265 |
| Net loans and leases to deposits | 71.3608% | 3,533 |
| Net loans and leases to core deposits | 76.8793% | 3,490 |
| Total domestic deposits to total assets | 86.8126% | 3,060 |
| Equity capital to assets | 12.6071% | 1,656 |
| Core capital (leverage) ratio | 10.8781% | 2,358 |
| Tier 1 risk-based capital ratio | 16.8922% | 2,722 |
| Total risk-based capital ratio | 18.1485% | 2,673 |
| Memoranda: | ||
| Average total assets | $891,313,000 | 745 |
| Average earning assets | $824,094,000 | 733 |
| Average equity | $112,892,500 | 630 |
| Average total loans | $561,585,500 | 743 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5843% | 4,735 |
| Cost of funding earning assets | 0.7060% | 5,496 |
| Net interest margin | 3.8783% | 3,435 |
| Noninterest income to average assets | 0.2224% | 5,937 |
| Noninterest expense to average assets | 2.7419% | 4,585 |
| Loan and lease loss provision to assets | -0.0759% | 7,258 |
| Net operating income to assets | 0.7081% | 3,449 |
| Return on assets (ROA) | 0.6711% | 3,819 |
| Pretax return on assets | 1.0738% | 2,939 |
| Return on Equity (ROE) | 5.1597% | 4,314 |
| Retained earnings to average equity (ytd only) | 4.8539% | 2,748 |
| Net charge-offs to loans | -0.0251% | 6,981 |
| Credit loss provision to net charge-offs | 469.8529% | 480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3765% | 4,074 |
| Assets per employee ($millions) | 5.5740% | 1,556 |
| Cash dividends to net income (ytd only)* | 5.9282% | 3,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6674% | 3,312 |
| Loan loss allowance to noncurrent loans | 157.7225% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.7638% | 5,109 |
| Noncurrent loans to loans | 1.0572% | 4,595 |
| Net loans and leases to total assets | 61.9530% | 3,608 |
| Net loans and leases to deposits | 71.3041% | 3,900 |
| Net loans and leases to core deposits | 77.2998% | 3,781 |
| Total domestic deposits to total assets | 86.8856% | 2,823 |
| Equity capital to assets | 12.7260% | 1,641 |
| Core capital (leverage) ratio | 11.0457% | 2,239 |
| Tier 1 risk-based capital ratio | 16.8509% | 2,667 |
| Total risk-based capital ratio | 18.1084% | 2,629 |
| Memoranda: | ||
| Average total assets | $842,110,800 | 775 |
| Average earning assets | $776,341,400 | 763 |
| Average equity | $109,521,200 | 633 |
| Average total loans | $541,465,600 | 776 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 4,873 |
| Cost of funding earning assets | 0.7157% | 5,674 |
| Net interest margin | 3.8820% | 3,472 |
| Noninterest income to average assets | 0.2960% | 5,492 |
| Noninterest expense to average assets | 2.7686% | 4,470 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.7177% | 3,517 |
| Return on assets (ROA) | 0.7177% | 3,690 |
| Pretax return on assets | 1.1040% | 2,990 |
| Return on Equity (ROE) | 5.4872% | 4,293 |
| Retained earnings to average equity (ytd only) | 5.1835% | 3,072 |
| Net charge-offs to loans | 0.0064% | 6,083 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 265.0834% | 149 |
| Efficiency ratio | 68.6712% | 4,180 |
| Assets per employee ($millions) | 5.3322% | 1,770 |
| Cash dividends to net income (ytd only)* | 5.5345% | 3,397 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7535% | 3,094 |
| Loan loss allowance to noncurrent loans | 175.8041% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.8329% | 5,097 |
| Noncurrent loans to loans | 0.9974% | 4,897 |
| Net loans and leases to total assets | 65.5329% | 2,995 |
| Net loans and leases to deposits | 75.9777% | 3,334 |
| Net loans and leases to core deposits | 82.3696% | 3,268 |
| Total domestic deposits to total assets | 86.2528% | 3,066 |
| Equity capital to assets | 13.3013% | 1,463 |
| Core capital (leverage) ratio | 11.5394% | 1,998 |
| Tier 1 risk-based capital ratio | 16.7437% | 2,741 |
| Total risk-based capital ratio | 18.0009% | 2,714 |
| Memoranda: | ||
| Average total assets | $832,464,000 | 791 |
| Average earning assets | $766,978,000 | 780 |
| Average equity | $108,882,000 | 641 |
| Average total loans | $538,114,250 | 790 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 4,989 |
| Cost of funding earning assets | 0.7272% | 5,793 |
| Net interest margin | 3.8667% | 3,459 |
| Noninterest income to average assets | 0.2942% | 5,528 |
| Noninterest expense to average assets | 2.7862% | 4,482 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6992% | 3,553 |
| Return on assets (ROA) | 0.6992% | 3,666 |
| Pretax return on assets | 1.0753% | 2,955 |
| Return on Equity (ROE) | 5.3761% | 4,267 |
| Retained earnings to average equity (ytd only) | 5.0713% | 2,960 |
| Net charge-offs to loans | 0.0349% | 5,364 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 48.1398% | 643 |
| Efficiency ratio | 69.2791% | 4,268 |
| Assets per employee ($millions) | 5.3808% | 1,674 |
| Cash dividends to net income (ytd only)* | 5.6682% | 3,219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7816% | 3,054 |
| Loan loss allowance to noncurrent loans | 129.9529% | 2,267 |
| Noncurrent assets plus other real estate owned to assets | 1.0670% | 4,751 |
| Noncurrent loans to loans | 1.3710% | 4,358 |
| Net loans and leases to total assets | 65.1254% | 3,225 |
| Net loans and leases to deposits | 75.6219% | 3,542 |
| Net loans and leases to core deposits | 81.8182% | 3,532 |
| Total domestic deposits to total assets | 86.1198% | 3,259 |
| Equity capital to assets | 13.3856% | 1,345 |
| Core capital (leverage) ratio | 11.2391% | 2,080 |
| Tier 1 risk-based capital ratio | 16.6834% | 2,654 |
| Total risk-based capital ratio | 17.9407% | 2,613 |
| Memoranda: | ||
| Average total assets | $832,678,000 | 802 |
| Average earning assets | $768,198,000 | 786 |
| Average equity | $108,295,000 | 645 |
| Average total loans | $532,537,000 | 804 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 5,120 |
| Cost of funding earning assets | 0.7427% | 5,908 |
| Net interest margin | 3.8193% | 3,517 |
| Noninterest income to average assets | 0.2938% | 5,567 |
| Noninterest expense to average assets | 2.7683% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6880% | 3,564 |
| Return on assets (ROA) | 0.6880% | 3,634 |
| Pretax return on assets | 1.0589% | 2,903 |
| Return on Equity (ROE) | 5.3666% | 4,207 |
| Retained earnings to average equity (ytd only) | 5.0583% | 3,150 |
| Net charge-offs to loans | -0.0068% | 6,285 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4576% | 4,389 |
| Assets per employee ($millions) | 5.5373% | 1,537 |
| Cash dividends to net income (ytd only)* | 5.7439% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8482% | 2,859 |
| Loan loss allowance to noncurrent loans | 110.0789% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 1.0698% | 4,784 |
| Noncurrent loans to loans | 1.6790% | 3,965 |
| Net loans and leases to total assets | 61.6077% | 3,946 |
| Net loans and leases to deposits | 71.0382% | 4,193 |
| Net loans and leases to core deposits | 77.4180% | 4,101 |
| Total domestic deposits to total assets | 86.7248% | 3,108 |
| Equity capital to assets | 12.8554% | 1,447 |
| Core capital (leverage) ratio | 10.8704% | 2,297 |
| Tier 1 risk-based capital ratio | 16.7324% | 2,573 |
| Total risk-based capital ratio | 17.9906% | 2,541 |
| Memoranda: | ||
| Average total assets | $840,078,500 | 793 |
| Average earning assets | $777,213,000 | 781 |
| Average equity | $107,703,500 | 645 |
| Average total loans | $527,651,500 | 820 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8998% | 5,034 |
| Cost of funding earning assets | 0.9266% | 6,044 |
| Net interest margin | 3.9731% | 3,131 |
| Noninterest income to average assets | 0.2203% | 6,230 |
| Noninterest expense to average assets | 2.8909% | 4,267 |
| Loan and lease loss provision to assets | 0.0240% | 6,882 |
| Net operating income to assets | 0.6465% | 3,458 |
| Return on assets (ROA) | 0.6317% | 3,684 |
| Pretax return on assets | 0.9346% | 3,150 |
| Return on Equity (ROE) | 5.0336% | 4,057 |
| Retained earnings to average equity (ytd only) | 4.7129% | 2,601 |
| Net charge-offs to loans | 0.2825% | 4,607 |
| Credit loss provision to net charge-offs | 13.0719% | 6,596 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,653 |
| Efficiency ratio | 71.8041% | 3,834 |
| Assets per employee ($millions) | 5.2406% | 1,813 |
| Cash dividends to net income (ytd only)* | 6.3712% | 3,849 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8510% | 2,688 |
| Loan loss allowance to noncurrent loans | 107.5761% | 2,691 |
| Noncurrent assets plus other real estate owned to assets | 1.0953% | 4,821 |
| Noncurrent loans to loans | 1.7207% | 3,921 |
| Net loans and leases to total assets | 61.6885% | 4,350 |
| Net loans and leases to deposits | 71.1278% | 4,663 |
| Net loans and leases to core deposits | 77.6157% | 4,507 |
| Total domestic deposits to total assets | 86.7291% | 2,958 |
| Equity capital to assets | 12.7858% | 1,490 |
| Core capital (leverage) ratio | 10.4942% | 2,566 |
| Tier 1 risk-based capital ratio | 16.4367% | 2,547 |
| Total risk-based capital ratio | 17.6955% | 2,516 |
| Memoranda: | ||
| Average total assets | $832,314,400 | 811 |
| Average earning assets | $764,811,000 | 795 |
| Average equity | $104,457,600 | 647 |
| Average total loans | $541,610,400 | 836 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9049% | 5,245 |
| Cost of funding earning assets | 0.9682% | 6,088 |
| Net interest margin | 3.9367% | 3,373 |
| Noninterest income to average assets | 0.2919% | 5,790 |
| Noninterest expense to average assets | 2.8400% | 4,311 |
| Loan and lease loss provision to assets | 0.0321% | 6,752 |
| Net operating income to assets | 0.6697% | 3,543 |
| Return on assets (ROA) | 0.6599% | 3,763 |
| Pretax return on assets | 1.0153% | 3,127 |
| Return on Equity (ROE) | 5.2833% | 4,154 |
| Retained earnings to average equity (ytd only) | 4.9647% | 3,017 |
| Net charge-offs to loans | 0.1440% | 5,148 |
| Credit loss provision to net charge-offs | 33.9559% | 6,106 |
| Earnings coverage of net charge-offs (x) | 11.2394% | 1,812 |
| Efficiency ratio | 69.9252% | 4,083 |
| Assets per employee ($millions) | 5.2394% | 1,885 |
| Cash dividends to net income (ytd only)* | 6.0312% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0430% | 2,115 |
| Loan loss allowance to noncurrent loans | 86.7840% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 1.4850% | 4,224 |
| Noncurrent loans to loans | 2.3541% | 3,287 |
| Net loans and leases to total assets | 61.1825% | 4,683 |
| Net loans and leases to deposits | 70.3730% | 5,093 |
| Net loans and leases to core deposits | 77.1868% | 4,900 |
| Total domestic deposits to total assets | 86.9404% | 2,565 |
| Equity capital to assets | 12.6254% | 1,793 |
| Core capital (leverage) ratio | 10.4557% | 2,735 |
| Tier 1 risk-based capital ratio | 16.0207% | 2,750 |
| Total risk-based capital ratio | 17.2809% | 2,700 |
| Memoranda: | ||
| Average total assets | $830,769,250 | 814 |
| Average earning assets | $761,942,500 | 801 |
| Average equity | $103,770,000 | 640 |
| Average total loans | $545,260,500 | 830 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 5,335 |
| Cost of funding earning assets | 0.9967% | 6,160 |
| Net interest margin | 3.9162% | 3,369 |
| Noninterest income to average assets | 0.3016% | 5,742 |
| Noninterest expense to average assets | 2.8803% | 4,147 |
| Loan and lease loss provision to assets | 0.0483% | 6,483 |
| Net operating income to assets | 0.6230% | 3,765 |
| Return on assets (ROA) | 0.6230% | 3,903 |
| Pretax return on assets | 0.9584% | 3,282 |
| Return on Equity (ROE) | 5.0058% | 4,283 |
| Retained earnings to average equity (ytd only) | 4.6857% | 3,095 |
| Net charge-offs to loans | 0.1850% | 4,503 |
| Credit loss provision to net charge-offs | 39.1389% | 5,624 |
| Earnings coverage of net charge-offs (x) | 8.1585% | 2,180 |
| Efficiency ratio | 71.2307% | 3,950 |
| Assets per employee ($millions) | 5.1961% | 1,931 |
| Cash dividends to net income (ytd only)* | 6.3953% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9981% | 2,186 |
| Loan loss allowance to noncurrent loans | 56.6404% | 4,537 |
| Noncurrent assets plus other real estate owned to assets | 2.2906% | 3,142 |
| Noncurrent loans to loans | 3.5277% | 2,237 |
| Net loans and leases to total assets | 63.5558% | 4,338 |
| Net loans and leases to deposits | 73.0119% | 4,829 |
| Net loans and leases to core deposits | 80.5884% | 4,614 |
| Total domestic deposits to total assets | 87.0486% | 2,504 |
| Equity capital to assets | 12.5453% | 1,768 |
| Core capital (leverage) ratio | 10.4700% | 2,650 |
| Tier 1 risk-based capital ratio | 15.5244% | 2,880 |
| Total risk-based capital ratio | 16.7845% | 2,843 |
| Memoranda: | ||
| Average total assets | $828,255,330 | 821 |
| Average earning assets | $758,278,000 | 811 |
| Average equity | $103,080,000 | 641 |
| Average total loans | $552,481,670 | 833 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 5,587 |
| Cost of funding earning assets | 1.0268% | 6,241 |
| Net interest margin | 3.8486% | 3,579 |
| Noninterest income to average assets | 0.3063% | 5,690 |
| Noninterest expense to average assets | 2.9089% | 4,026 |
| Loan and lease loss provision to assets | 0.0968% | 5,664 |
| Net operating income to assets | 0.5380% | 4,193 |
| Return on assets (ROA) | 0.5380% | 4,331 |
| Pretax return on assets | 0.8279% | 3,752 |
| Return on Equity (ROE) | 4.3407% | 4,742 |
| Retained earnings to average equity (ytd only) | 4.0167% | 3,743 |
| Net charge-offs to loans | 0.0451% | 4,966 |
| Credit loss provision to net charge-offs | 317.4603% | 1,253 |
| Earnings coverage of net charge-offs (x) | 30.3333% | 862 |
| Efficiency ratio | 72.9648% | 3,765 |
| Assets per employee ($millions) | 5.1523% | 2,025 |
| Cash dividends to net income (ytd only)* | 7.4640% | 2,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0187% | 2,138 |
| Loan loss allowance to noncurrent loans | 34.6958% | 6,073 |
| Noncurrent assets plus other real estate owned to assets | 3.9523% | 1,748 |
| Noncurrent loans to loans | 5.8184% | 1,148 |
| Net loans and leases to total assets | 66.4876% | 3,752 |
| Net loans and leases to deposits | 76.4892% | 4,320 |
| Net loans and leases to core deposits | 84.6604% | 4,110 |
| Total domestic deposits to total assets | 86.9241% | 2,669 |
| Equity capital to assets | 12.5689% | 1,711 |
| Core capital (leverage) ratio | 10.1221% | 3,018 |
| Tier 1 risk-based capital ratio | 14.9322% | 3,137 |
| Total risk-based capital ratio | 16.1928% | 3,094 |
| Memoranda: | ||
| Average total assets | $826,698,000 | 837 |
| Average earning assets | $757,678,500 | 829 |
| Average equity | $102,471,000 | 651 |
| Average total loans | $559,144,000 | 846 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2067% | 5,622 |
| Cost of funding earning assets | 1.5448% | 5,311 |
| Net interest margin | 3.6620% | 4,302 |
| Noninterest income to average assets | 0.3476% | 5,610 |
| Noninterest expense to average assets | 3.0425% | 3,976 |
| Loan and lease loss provision to assets | 0.5606% | 3,571 |
| Net operating income to assets | 0.1125% | 5,176 |
| Return on assets (ROA) | -0.0064% | 5,546 |
| Pretax return on assets | -0.0061% | 5,454 |
| Return on Equity (ROE) | -0.0527% | 5,548 |
| Retained earnings to average equity (ytd only) | -0.3864% | 5,058 |
| Net charge-offs to loans | 0.3429% | 4,516 |
| Credit loss provision to net charge-offs | 241.1704% | 1,481 |
| Earnings coverage of net charge-offs (x) | 2.8969% | 3,640 |
| Efficiency ratio | 78.8824% | 3,059 |
| Assets per employee ($millions) | 5.1493% | 2,018 |
| Cash dividends to net income (ytd only)* | -633.9623% | 7,991 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9710% | 2,095 |
| Loan loss allowance to noncurrent loans | 36.7150% | 5,987 |
| Noncurrent assets plus other real estate owned to assets | 3.6240% | 1,840 |
| Noncurrent loans to loans | 5.3685% | 1,217 |
| Net loans and leases to total assets | 66.0893% | 4,124 |
| Net loans and leases to deposits | 75.6989% | 4,797 |
| Net loans and leases to core deposits | 101.1688% | 3,882 |
| Total domestic deposits to total assets | 87.3056% | 2,321 |
| Equity capital to assets | 12.2246% | 1,897 |
| Core capital (leverage) ratio | 9.8473% | 3,272 |
| Tier 1 risk-based capital ratio | 14.2546% | 3,345 |
| Total risk-based capital ratio | 15.5141% | 3,290 |
| Memoranda: | ||
| Average total assets | $830,756,400 | 820 |
| Average earning assets | $764,126,200 | 812 |
| Average equity | $100,664,000 | 650 |
| Average total loans | $563,061,800 | 848 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2581% | 5,644 |
| Cost of funding earning assets | 1.6296% | 5,259 |
| Net interest margin | 3.6285% | 4,383 |
| Noninterest income to average assets | 0.3547% | 5,656 |
| Noninterest expense to average assets | 2.9042% | 4,436 |
| Loan and lease loss provision to assets | 0.6984% | 2,641 |
| Net operating income to assets | 0.0597% | 5,577 |
| Return on assets (ROA) | -0.0230% | 5,808 |
| Pretax return on assets | -0.0353% | 5,760 |
| Return on Equity (ROE) | -0.1900% | 5,809 |
| Retained earnings to average equity (ytd only) | -0.5196% | 5,355 |
| Net charge-offs to loans | 0.4453% | 3,452 |
| Credit loss provision to net charge-offs | 231.1005% | 1,887 |
| Earnings coverage of net charge-offs (x) | 2.6151% | 3,913 |
| Efficiency ratio | 75.5958% | 3,575 |
| Assets per employee ($millions) | 5.1641% | 1,945 |
| Cash dividends to net income (ytd only)* | -173.4291% | 8,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9438% | 1,920 |
| Loan loss allowance to noncurrent loans | 45.3745% | 5,291 |
| Noncurrent assets plus other real estate owned to assets | 2.8421% | 2,449 |
| Noncurrent loans to loans | 4.2840% | 1,676 |
| Net loans and leases to total assets | 64.8730% | 4,680 |
| Net loans and leases to deposits | 74.0505% | 5,357 |
| Net loans and leases to core deposits | 107.8564% | 3,487 |
| Total domestic deposits to total assets | 87.6064% | 1,845 |
| Equity capital to assets | 12.1189% | 2,177 |
| Core capital (leverage) ratio | 9.6841% | 3,670 |
| Tier 1 risk-based capital ratio | 13.9610% | 3,570 |
| Total risk-based capital ratio | 15.2199% | 3,516 |
| Memoranda: | ||
| Average total assets | $829,899,000 | 825 |
| Average earning assets | $763,858,000 | 818 |
| Average equity | $100,336,000 | 662 |
| Average total loans | $563,229,000 | 865 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3423% | 5,436 |
| Cost of funding earning assets | 1.7316% | 5,114 |
| Net interest margin | 3.6107% | 4,321 |
| Noninterest income to average assets | 0.3576% | 5,647 |
| Noninterest expense to average assets | 2.9404% | 4,333 |
| Loan and lease loss provision to assets | 0.3974% | 3,536 |
| Net operating income to assets | 0.2206% | 5,185 |
| Return on assets (ROA) | 0.1404% | 5,543 |
| Pretax return on assets | 0.2160% | 5,423 |
| Return on Equity (ROE) | 1.1626% | 5,586 |
| Retained earnings to average equity (ytd only) | 0.8298% | 4,855 |
| Net charge-offs to loans | 0.0400% | 5,912 |
| Credit loss provision to net charge-offs | 1,452.2124% | 354 |
| Earnings coverage of net charge-offs (x) | 26.9204% | 1,070 |
| Efficiency ratio | 76.9246% | 3,519 |
| Assets per employee ($millions) | 4.9760% | 2,103 |
| Cash dividends to net income (ytd only)* | 28.6207% | 2,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7485% | 2,190 |
| Loan loss allowance to noncurrent loans | 54.9919% | 4,716 |
| Noncurrent assets plus other real estate owned to assets | 2.1407% | 3,005 |
| Noncurrent loans to loans | 3.1796% | 2,246 |
| Net loans and leases to total assets | 66.0639% | 4,551 |
| Net loans and leases to deposits | 75.5483% | 5,236 |
| Net loans and leases to core deposits | 113.4078% | 2,978 |
| Total domestic deposits to total assets | 87.4458% | 2,035 |
| Equity capital to assets | 12.1297% | 2,132 |
| Core capital (leverage) ratio | 9.8313% | 3,478 |
| Tier 1 risk-based capital ratio | 14.3112% | 3,352 |
| Total risk-based capital ratio | 15.5474% | 3,289 |
| Memoranda: | ||
| Average total assets | $825,949,330 | 850 |
| Average earning assets | $759,303,000 | 841 |
| Average equity | $99,777,670 | 676 |
| Average total loans | $565,341,330 | 885 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4663% | 5,085 |
| Cost of funding earning assets | 1.8340% | 4,948 |
| Net interest margin | 3.6323% | 4,180 |
| Noninterest income to average assets | 0.3348% | 5,779 |
| Noninterest expense to average assets | 2.9070% | 4,136 |
| Loan and lease loss provision to assets | 0.2194% | 4,260 |
| Net operating income to assets | 0.3563% | 5,041 |
| Return on assets (ROA) | 0.3563% | 5,228 |
| Pretax return on assets | 0.5479% | 4,925 |
| Return on Equity (ROE) | 2.9555% | 5,391 |
| Retained earnings to average equity (ytd only) | 2.6190% | 4,428 |
| Net charge-offs to loans | -0.0531% | 7,712 |
| Credit loss provision to net charge-offs | -598.6667% | 6,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0442% | 3,487 |
| Assets per employee ($millions) | 4.9434% | 2,124 |
| Cash dividends to net income (ytd only)* | 11.3855% | 2,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5695% | 2,649 |
| Loan loss allowance to noncurrent loans | 55.5785% | 4,860 |
| Noncurrent assets plus other real estate owned to assets | 1.9270% | 3,012 |
| Noncurrent loans to loans | 2.8239% | 2,318 |
| Net loans and leases to total assets | 67.0741% | 4,326 |
| Net loans and leases to deposits | 76.7950% | 5,112 |
| Net loans and leases to core deposits | 115.8861% | 2,814 |
| Total domestic deposits to total assets | 87.3418% | 2,042 |
| Equity capital to assets | 12.2008% | 2,138 |
| Core capital (leverage) ratio | 10.1197% | 3,276 |
| Tier 1 risk-based capital ratio | 14.0924% | 3,529 |
| Total risk-based capital ratio | 15.3472% | 3,460 |
| Memoranda: | ||
| Average total assets | $818,450,500 | 865 |
| Average earning assets | $752,469,000 | 849 |
| Average equity | $98,664,500 | 682 |
| Average total loans | $565,287,500 | 884 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9444% | 5,830 |
| Cost of funding earning assets | 2.2053% | 5,573 |
| Net interest margin | 3.7390% | 4,284 |
| Noninterest income to average assets | 0.4081% | 5,407 |
| Noninterest expense to average assets | 3.0016% | 4,076 |
| Loan and lease loss provision to assets | 0.5374% | 2,676 |
| Net operating income to assets | 0.3194% | 5,481 |
| Return on assets (ROA) | 0.0778% | 6,007 |
| Pretax return on assets | 0.0782% | 5,994 |
| Return on Equity (ROE) | 0.6948% | 6,012 |
| Retained earnings to average equity (ytd only) | 0.3307% | 5,039 |
| Net charge-offs to loans | 0.2642% | 3,641 |
| Credit loss provision to net charge-offs | 293.5228% | 1,544 |
| Earnings coverage of net charge-offs (x) | 4.6814% | 3,902 |
| Efficiency ratio | 74.8604% | 3,424 |
| Assets per employee ($millions) | 4.8579% | 2,102 |
| Cash dividends to net income (ytd only)* | 52.4106% | 3,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4802% | 2,787 |
| Loan loss allowance to noncurrent loans | 84.5182% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.2292% | 3,765 |
| Noncurrent loans to loans | 1.7514% | 3,136 |
| Net loans and leases to total assets | 68.9837% | 4,259 |
| Net loans and leases to deposits | 78.7075% | 5,241 |
| Net loans and leases to core deposits | 118.7396% | 2,811 |
| Total domestic deposits to total assets | 87.6456% | 1,641 |
| Equity capital to assets | 11.9049% | 2,353 |
| Core capital (leverage) ratio | 9.2754% | 4,334 |
| Tier 1 risk-based capital ratio | 12.9702% | 4,131 |
| Total risk-based capital ratio | 14.2236% | 4,047 |
| Memoranda: | ||
| Average total assets | $826,316,800 | 822 |
| Average earning assets | $762,605,600 | 812 |
| Average equity | $92,542,600 | 721 |
| Average total loans | $572,736,800 | 834 |