Home > Schuyler State Bank > Performance and Condition Ratios
Schuyler State Bank, Performance and Condition Ratios
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6265% | 5,369 |
| Cost of funding earning assets | 0.5066% | 3,708 |
| Net interest margin | 3.1200% | 5,266 |
| Noninterest income to average assets | 0.4519% | 4,143 |
| Noninterest expense to average assets | 2.6645% | 4,148 |
| Loan and lease loss provision to assets | 0.1523% | 2,363 |
| Net operating income to assets | 0.5845% | 4,414 |
| Return on assets (ROA) | 0.5845% | 4,543 |
| Pretax return on assets | 0.5845% | 5,080 |
| Return on Equity (ROE) | 6.4867% | 3,938 |
| Retained earnings to average equity (ytd only) | -2.3984% | 6,302 |
| Net charge-offs to loans | 0.2640% | 2,234 |
| Credit loss provision to net charge-offs | 98.4127% | 2,424 |
| Earnings coverage of net charge-offs (x) | 4.7618% | 3,358 |
| Efficiency ratio | 78.3394% | 2,367 |
| Assets per employee ($millions) | 4.5536% | 2,799 |
| Cash dividends to net income (ytd only)* | 136.9741% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0284% | 5,601 |
| Loan loss allowance to noncurrent loans | 98.4076% | 3,510 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 4,725 |
| Noncurrent loans to loans | 1.0450% | 3,712 |
| Net loans and leases to total assets | 54.4242% | 4,540 |
| Net loans and leases to deposits | 59.8142% | 4,993 |
| Net loans and leases to core deposits | 64.3869% | 4,864 |
| Total domestic deposits to total assets | 90.9888% | 542 |
| Equity capital to assets | 8.8063% | 5,417 |
| Core capital (leverage) ratio | 8.9159% | 5,247 |
| Tier 1 risk-based capital ratio | 15.5301% | 3,455 |
| Total risk-based capital ratio | 16.5274% | 3,530 |
| Memoranda: | ||
| Average total assets | $54,292,000 | 5,978 |
| Average earning assets | $51,324,000 | 5,917 |
| Average equity | $4,892,000 | 6,168 |
| Average total loans | $31,819,750 | 5,735 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6486% | 5,293 |
| Cost of funding earning assets | 0.5251% | 3,652 |
| Net interest margin | 3.1235% | 5,209 |
| Noninterest income to average assets | 0.4098% | 4,454 |
| Noninterest expense to average assets | 2.6544% | 4,206 |
| Loan and lease loss provision to assets | 0.1587% | 2,338 |
| Net operating income to assets | 0.5611% | 4,496 |
| Return on assets (ROA) | 0.5611% | 4,666 |
| Pretax return on assets | 0.5611% | 5,160 |
| Return on Equity (ROE) | 6.1805% | 4,057 |
| Retained earnings to average equity (ytd only) | 1.7078% | 5,157 |
| Net charge-offs to loans | 0.2962% | 2,000 |
| Credit loss provision to net charge-offs | 89.5833% | 2,455 |
| Earnings coverage of net charge-offs (x) | 4.0625% | 3,224 |
| Efficiency ratio | 78.6652% | 2,360 |
| Assets per employee ($millions) | 4.0876% | 3,608 |
| Cash dividends to net income (ytd only)* | 72.3684% | 1,120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9553% | 5,973 |
| Loan loss allowance to noncurrent loans | 136.1607% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.4215% | 5,226 |
| Noncurrent loans to loans | 0.7016% | 4,536 |
| Net loans and leases to total assets | 59.5062% | 3,747 |
| Net loans and leases to deposits | 65.7306% | 4,295 |
| Net loans and leases to core deposits | 70.0572% | 4,274 |
| Total domestic deposits to total assets | 90.5305% | 737 |
| Equity capital to assets | 9.3001% | 4,857 |
| Core capital (leverage) ratio | 9.1068% | 4,818 |
| Tier 1 risk-based capital ratio | 15.3416% | 3,571 |
| Total risk-based capital ratio | 16.2885% | 3,721 |
| Memoranda: | ||
| Average total assets | $54,175,000 | 6,016 |
| Average earning assets | $51,416,670 | 5,954 |
| Average equity | $4,918,670 | 6,206 |
| Average total loans | $32,410,330 | 5,738 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6594% | 5,288 |
| Cost of funding earning assets | 0.5559% | 3,511 |
| Net interest margin | 3.1035% | 5,253 |
| Noninterest income to average assets | 0.3949% | 4,502 |
| Noninterest expense to average assets | 2.6548% | 4,230 |
| Loan and lease loss provision to assets | 0.1902% | 1,939 |
| Net operating income to assets | 0.4900% | 4,722 |
| Return on assets (ROA) | 0.4900% | 4,877 |
| Pretax return on assets | 0.4900% | 5,294 |
| Return on Equity (ROE) | 5.4616% | 4,326 |
| Retained earnings to average equity (ytd only) | 1.3858% | 5,287 |
| Net charge-offs to loans | 0.6615% | 923 |
| Credit loss provision to net charge-offs | 48.1481% | 2,629 |
| Earnings coverage of net charge-offs (x) | 1.7222% | 3,261 |
| Efficiency ratio | 79.6053% | 2,389 |
| Assets per employee ($millions) | 3.6875% | 4,587 |
| Cash dividends to net income (ytd only)* | 74.6269% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8515% | 6,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 59.3622% | 3,543 |
| Net loans and leases to deposits | 65.2796% | 4,153 |
| Net loans and leases to core deposits | 70.3859% | 4,026 |
| Total domestic deposits to total assets | 90.9352% | 550 |
| Equity capital to assets | 8.8858% | 5,629 |
| Core capital (leverage) ratio | 8.9826% | 4,918 |
| Tier 1 risk-based capital ratio | 14.6293% | 4,083 |
| Total risk-based capital ratio | 15.4686% | 4,313 |
| Memoranda: | ||
| Average total assets | $54,693,000 | 6,056 |
| Average earning assets | $51,812,000 | 5,998 |
| Average equity | $4,907,000 | 6,278 |
| Average total loans | $32,652,500 | 5,767 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 5,143 |
| Cost of funding earning assets | 0.6687% | 3,753 |
| Net interest margin | 3.3820% | 4,953 |
| Noninterest income to average assets | 0.4581% | 4,193 |
| Noninterest expense to average assets | 2.7659% | 4,155 |
| Loan and lease loss provision to assets | 0.2091% | 3,053 |
| Net operating income to assets | 0.6463% | 4,011 |
| Return on assets (ROA) | 0.6463% | 4,270 |
| Pretax return on assets | 0.6463% | 4,834 |
| Return on Equity (ROE) | 6.8949% | 3,702 |
| Retained earnings to average equity (ytd only) | -2.6363% | 6,233 |
| Net charge-offs to loans | 0.4416% | 2,467 |
| Credit loss provision to net charge-offs | 76.3889% | 3,950 |
| Earnings coverage of net charge-offs (x) | 3.1250% | 3,869 |
| Efficiency ratio | 76.3780% | 2,683 |
| Assets per employee ($millions) | 3.6049% | 4,768 |
| Cash dividends to net income (ytd only)* | 138.2353% | 249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 6,085 |
| Loan loss allowance to noncurrent loans | 121.5686% | 2,807 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 5,294 |
| Noncurrent loans to loans | 0.7922% | 4,599 |
| Net loans and leases to total assets | 58.9536% | 3,806 |
| Net loans and leases to deposits | 64.9365% | 4,433 |
| Net loans and leases to core deposits | 70.3429% | 4,258 |
| Total domestic deposits to total assets | 90.7865% | 575 |
| Equity capital to assets | 9.0600% | 5,453 |
| Core capital (leverage) ratio | 9.1386% | 4,678 |
| Tier 1 risk-based capital ratio | 15.2565% | 3,576 |
| Total risk-based capital ratio | 16.2219% | 3,687 |
| Memoranda: | ||
| Average total assets | $52,605,400 | 6,130 |
| Average earning assets | $49,202,200 | 6,080 |
| Average equity | $4,931,200 | 6,309 |
| Average total loans | $32,609,000 | 5,821 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1225% | 5,102 |
| Cost of funding earning assets | 0.6925% | 3,836 |
| Net interest margin | 3.4299% | 4,925 |
| Noninterest income to average assets | 0.4543% | 4,257 |
| Noninterest expense to average assets | 2.8076% | 3,956 |
| Loan and lease loss provision to assets | 0.0179% | 5,579 |
| Net operating income to assets | 0.8270% | 3,314 |
| Return on assets (ROA) | 0.8270% | 3,558 |
| Pretax return on assets | 0.8270% | 4,389 |
| Return on Equity (ROE) | 8.7461% | 2,929 |
| Retained earnings to average equity (ytd only) | -3.9411% | 6,544 |
| Net charge-offs to loans | 0.0082% | 5,604 |
| Credit loss provision to net charge-offs | 350.0000% | 768 |
| Earnings coverage of net charge-offs (x) | 165.2884% | 268 |
| Efficiency ratio | 76.8693% | 2,540 |
| Assets per employee ($millions) | 3.6163% | 4,727 |
| Cash dividends to net income (ytd only)* | 145.0612% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0546% | 5,873 |
| Loan loss allowance to noncurrent loans | 42.2007% | 5,537 |
| Noncurrent assets plus other real estate owned to assets | 1.5246% | 3,292 |
| Noncurrent loans to loans | 2.4989% | 2,297 |
| Net loans and leases to total assets | 60.3661% | 3,706 |
| Net loans and leases to deposits | 66.4887% | 4,412 |
| Net loans and leases to core deposits | 71.8738% | 4,269 |
| Total domestic deposits to total assets | 90.7916% | 481 |
| Equity capital to assets | 9.0019% | 5,825 |
| Core capital (leverage) ratio | 9.4823% | 4,295 |
| Tier 1 risk-based capital ratio | 15.1830% | 3,718 |
| Total risk-based capital ratio | 16.2682% | 3,785 |
| Memoranda: | ||
| Average total assets | $52,238,500 | 6,215 |
| Average earning assets | $48,707,000 | 6,169 |
| Average equity | $4,939,250 | 6,376 |
| Average total loans | $32,714,250 | 5,896 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1283% | 5,205 |
| Cost of funding earning assets | 0.7023% | 3,997 |
| Net interest margin | 3.4259% | 4,987 |
| Noninterest income to average assets | 0.4344% | 4,403 |
| Noninterest expense to average assets | 2.8350% | 3,886 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8532% | 3,121 |
| Return on assets (ROA) | 0.8532% | 3,395 |
| Pretax return on assets | 0.8532% | 4,266 |
| Return on Equity (ROE) | 8.8745% | 2,869 |
| Retained earnings to average equity (ytd only) | -6.0508% | 6,674 |
| Net charge-offs to loans | -0.0184% | 6,410 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8665% | 2,622 |
| Assets per employee ($millions) | 3.2113% | 5,625 |
| Cash dividends to net income (ytd only)* | 168.1818% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0727% | 5,886 |
| Loan loss allowance to noncurrent loans | 45.1235% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 1.4967% | 3,459 |
| Noncurrent loans to loans | 2.3773% | 2,527 |
| Net loans and leases to total assets | 62.2818% | 3,375 |
| Net loans and leases to deposits | 70.1069% | 3,877 |
| Net loans and leases to core deposits | 76.0896% | 3,763 |
| Total domestic deposits to total assets | 88.8383% | 1,613 |
| Equity capital to assets | 9.4957% | 5,068 |
| Core capital (leverage) ratio | 9.5332% | 4,100 |
| Tier 1 risk-based capital ratio | 15.1621% | 3,658 |
| Total risk-based capital ratio | 16.2404% | 3,722 |
| Memoranda: | ||
| Average total assets | $51,570,000 | 6,274 |
| Average earning assets | $48,979,330 | 6,197 |
| Average equity | $4,958,000 | 6,400 |
| Average total loans | $32,587,670 | 5,928 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2266% | 5,008 |
| Cost of funding earning assets | 0.7329% | 4,004 |
| Net interest margin | 3.4936% | 4,736 |
| Noninterest income to average assets | 0.4026% | 4,650 |
| Noninterest expense to average assets | 2.8337% | 3,886 |
| Loan and lease loss provision to assets | -0.0155% | 7,112 |
| Net operating income to assets | 0.9058% | 2,890 |
| Return on assets (ROA) | 0.9058% | 3,112 |
| Pretax return on assets | 0.9058% | 4,010 |
| Return on Equity (ROE) | 9.3647% | 2,651 |
| Retained earnings to average equity (ytd only) | -5.0425% | 6,582 |
| Net charge-offs to loans | -0.0245% | 6,251 |
| Credit loss provision to net charge-offs | 100.0000% | 2,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0915% | 2,776 |
| Assets per employee ($millions) | 3.2346% | 5,692 |
| Cash dividends to net income (ytd only)* | 153.8462% | 281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0748% | 5,988 |
| Loan loss allowance to noncurrent loans | 42.8394% | 5,461 |
| Noncurrent assets plus other real estate owned to assets | 1.5516% | 3,534 |
| Noncurrent loans to loans | 2.5088% | 2,601 |
| Net loans and leases to total assets | 61.1810% | 3,416 |
| Net loans and leases to deposits | 67.8328% | 4,094 |
| Net loans and leases to core deposits | 73.6503% | 3,941 |
| Total domestic deposits to total assets | 90.1938% | 981 |
| Equity capital to assets | 9.5956% | 4,657 |
| Core capital (leverage) ratio | 9.5218% | 4,023 |
| Tier 1 risk-based capital ratio | 15.4641% | 3,466 |
| Total risk-based capital ratio | 16.5354% | 3,521 |
| Memoranda: | ||
| Average total assets | $51,664,500 | 6,318 |
| Average earning assets | $49,118,000 | 6,237 |
| Average equity | $4,997,500 | 6,428 |
| Average total loans | $32,707,500 | 5,968 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6960% | 4,266 |
| Cost of funding earning assets | 0.9459% | 3,744 |
| Net interest margin | 3.7501% | 4,080 |
| Noninterest income to average assets | 0.4555% | 4,176 |
| Noninterest expense to average assets | 2.9195% | 3,877 |
| Loan and lease loss provision to assets | 0.0275% | 6,231 |
| Net operating income to assets | 1.0426% | 2,033 |
| Return on assets (ROA) | 1.0426% | 2,179 |
| Pretax return on assets | 1.0426% | 3,067 |
| Return on Equity (ROE) | 10.7117% | 1,799 |
| Retained earnings to average equity (ytd only) | 0.2219% | 5,725 |
| Net charge-offs to loans | 0.0319% | 6,005 |
| Credit loss provision to net charge-offs | 127.2727% | 2,439 |
| Earnings coverage of net charge-offs (x) | 49.5455% | 566 |
| Efficiency ratio | 73.1791% | 3,364 |
| Assets per employee ($millions) | 3.2235% | 5,666 |
| Cash dividends to net income (ytd only)* | 97.9284% | 376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0297% | 6,073 |
| Loan loss allowance to noncurrent loans | 63.9405% | 4,309 |
| Noncurrent assets plus other real estate owned to assets | 1.0431% | 4,523 |
| Noncurrent loans to loans | 1.6104% | 3,742 |
| Net loans and leases to total assets | 64.1073% | 3,169 |
| Net loans and leases to deposits | 73.2655% | 3,623 |
| Net loans and leases to core deposits | 80.0794% | 3,444 |
| Total domestic deposits to total assets | 87.5000% | 2,472 |
| Equity capital to assets | 9.7507% | 4,510 |
| Core capital (leverage) ratio | 9.7706% | 3,647 |
| Tier 1 risk-based capital ratio | 15.2760% | 3,465 |
| Total risk-based capital ratio | 16.3209% | 3,559 |
| Memoranda: | ||
| Average total assets | $50,932,800 | 6,339 |
| Average earning assets | $47,998,800 | 6,259 |
| Average equity | $4,957,200 | 6,459 |
| Average total loans | $34,531,200 | 5,934 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7682% | 4,150 |
| Cost of funding earning assets | 0.9871% | 3,773 |
| Net interest margin | 3.7811% | 3,962 |
| Noninterest income to average assets | 0.4674% | 4,149 |
| Noninterest expense to average assets | 2.9727% | 3,666 |
| Loan and lease loss provision to assets | 0.0263% | 6,121 |
| Net operating income to assets | 1.0294% | 2,215 |
| Return on assets (ROA) | 1.0294% | 2,377 |
| Pretax return on assets | 1.0294% | 3,291 |
| Return on Equity (ROE) | 10.5816% | 2,004 |
| Retained earnings to average equity (ytd only) | -3.4552% | 6,469 |
| Net charge-offs to loans | 0.0268% | 5,771 |
| Credit loss provision to net charge-offs | 142.8571% | 2,224 |
| Earnings coverage of net charge-offs (x) | 57.4480% | 574 |
| Efficiency ratio | 73.7940% | 3,219 |
| Assets per employee ($millions) | 3.0834% | 5,939 |
| Cash dividends to net income (ytd only)* | 132.6547% | 141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 6,240 |
| Loan loss allowance to noncurrent loans | 62.7737% | 4,334 |
| Noncurrent assets plus other real estate owned to assets | 1.1108% | 4,558 |
| Noncurrent loans to loans | 1.6013% | 3,895 |
| Net loans and leases to total assets | 68.6693% | 2,339 |
| Net loans and leases to deposits | 77.6840% | 3,050 |
| Net loans and leases to core deposits | 85.0907% | 2,901 |
| Total domestic deposits to total assets | 88.3957% | 1,811 |
| Equity capital to assets | 9.9118% | 4,464 |
| Core capital (leverage) ratio | 9.7829% | 3,723 |
| Tier 1 risk-based capital ratio | 14.3655% | 4,077 |
| Total risk-based capital ratio | 15.3760% | 4,231 |
| Memoranda: | ||
| Average total assets | $50,772,000 | 6,400 |
| Average earning assets | $47,815,250 | 6,315 |
| Average equity | $4,939,250 | 6,517 |
| Average total loans | $34,812,000 | 5,975 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7548% | 4,270 |
| Cost of funding earning assets | 1.0156% | 3,842 |
| Net interest margin | 3.7392% | 4,085 |
| Noninterest income to average assets | 0.4605% | 4,186 |
| Noninterest expense to average assets | 2.9424% | 3,857 |
| Loan and lease loss provision to assets | 0.0351% | 5,874 |
| Net operating income to assets | 1.0029% | 2,219 |
| Return on assets (ROA) | 1.0029% | 2,315 |
| Pretax return on assets | 1.0029% | 3,226 |
| Return on Equity (ROE) | 10.3720% | 1,993 |
| Retained earnings to average equity (ytd only) | -4.9640% | 6,566 |
| Net charge-offs to loans | 0.0286% | 5,430 |
| Credit loss provision to net charge-offs | 180.0000% | 1,678 |
| Earnings coverage of net charge-offs (x) | 53.2000% | 595 |
| Efficiency ratio | 73.9216% | 3,371 |
| Assets per employee ($millions) | 3.1280% | 5,812 |
| Cash dividends to net income (ytd only)* | 147.8599% | 184 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0002% | 6,337 |
| Loan loss allowance to noncurrent loans | 61.6487% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 1.1149% | 4,664 |
| Noncurrent loans to loans | 1.6224% | 3,966 |
| Net loans and leases to total assets | 68.0327% | 2,606 |
| Net loans and leases to deposits | 76.5817% | 3,360 |
| Net loans and leases to core deposits | 83.0038% | 3,364 |
| Total domestic deposits to total assets | 88.8367% | 1,641 |
| Equity capital to assets | 9.7806% | 4,413 |
| Core capital (leverage) ratio | 9.5559% | 3,873 |
| Tier 1 risk-based capital ratio | 14.4519% | 3,825 |
| Total risk-based capital ratio | 15.4675% | 3,977 |
| Memoranda: | ||
| Average total assets | $51,251,000 | 6,442 |
| Average earning assets | $48,246,000 | 6,360 |
| Average equity | $4,955,670 | 6,552 |
| Average total loans | $35,008,670 | 6,024 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7173% | 4,446 |
| Cost of funding earning assets | 1.0483% | 3,860 |
| Net interest margin | 3.6690% | 4,251 |
| Noninterest income to average assets | 0.4551% | 4,232 |
| Noninterest expense to average assets | 2.9700% | 3,770 |
| Loan and lease loss provision to assets | 0.0463% | 5,425 |
| Net operating income to assets | 0.8948% | 2,590 |
| Return on assets (ROA) | 0.8948% | 2,650 |
| Pretax return on assets | 0.8948% | 3,514 |
| Return on Equity (ROE) | 9.3061% | 2,344 |
| Retained earnings to average equity (ytd only) | -5.1344% | 6,530 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9369% | 3,172 |
| Assets per employee ($millions) | 3.2394% | 5,615 |
| Cash dividends to net income (ytd only)* | 155.1724% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9912% | 6,428 |
| Loan loss allowance to noncurrent loans | 61.1993% | 4,353 |
| Noncurrent assets plus other real estate owned to assets | 1.0940% | 4,732 |
| Noncurrent loans to loans | 1.6197% | 4,048 |
| Net loans and leases to total assets | 66.8725% | 2,793 |
| Net loans and leases to deposits | 74.1375% | 3,739 |
| Net loans and leases to core deposits | 80.9794% | 3,605 |
| Total domestic deposits to total assets | 90.2007% | 1,025 |
| Equity capital to assets | 9.5582% | 4,359 |
| Core capital (leverage) ratio | 9.5238% | 3,767 |
| Tier 1 risk-based capital ratio | 14.2095% | 3,934 |
| Total risk-based capital ratio | 15.2048% | 4,076 |
| Memoranda: | ||
| Average total assets | $51,852,500 | 6,461 |
| Average earning assets | $48,841,000 | 6,386 |
| Average equity | $4,986,000 | 6,567 |
| Average total loans | $35,316,500 | 6,062 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0684% | 4,242 |
| Cost of funding earning assets | 1.4362% | 3,041 |
| Net interest margin | 3.6322% | 4,659 |
| Noninterest income to average assets | 0.4765% | 4,339 |
| Noninterest expense to average assets | 2.8379% | 4,443 |
| Loan and lease loss provision to assets | 0.0845% | 6,306 |
| Net operating income to assets | 0.9799% | 2,107 |
| Return on assets (ROA) | 0.9799% | 2,221 |
| Pretax return on assets | 0.9799% | 2,999 |
| Return on Equity (ROE) | 10.3663% | 1,795 |
| Retained earnings to average equity (ytd only) | 2.2359% | 4,316 |
| Net charge-offs to loans | 0.1265% | 5,630 |
| Credit loss provision to net charge-offs | 100.0000% | 4,560 |
| Earnings coverage of net charge-offs (x) | 12.5909% | 1,486 |
| Efficiency ratio | 72.7228% | 3,652 |
| Assets per employee ($millions) | 3.2422% | 5,559 |
| Cash dividends to net income (ytd only)* | 78.4314% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 6,547 |
| Loan loss allowance to noncurrent loans | 58.3904% | 4,521 |
| Noncurrent assets plus other real estate owned to assets | 1.1258% | 4,759 |
| Noncurrent loans to loans | 1.6393% | 4,044 |
| Net loans and leases to total assets | 68.0193% | 2,977 |
| Net loans and leases to deposits | 75.5034% | 3,916 |
| Net loans and leases to core deposits | 83.2527% | 3,712 |
| Total domestic deposits to total assets | 90.0877% | 1,042 |
| Equity capital to assets | 9.6733% | 4,181 |
| Core capital (leverage) ratio | 9.3933% | 3,854 |
| Tier 1 risk-based capital ratio | 13.9354% | 3,908 |
| Total risk-based capital ratio | 14.8824% | 4,080 |
| Memoranda: | ||
| Average total assets | $52,046,200 | 6,461 |
| Average earning assets | $49,088,600 | 6,402 |
| Average equity | $4,919,800 | 6,692 |
| Average total loans | $34,775,400 | 6,164 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1108% | 4,264 |
| Cost of funding earning assets | 1.4847% | 3,068 |
| Net interest margin | 3.6261% | 4,749 |
| Noninterest income to average assets | 0.4761% | 4,366 |
| Noninterest expense to average assets | 2.8054% | 4,465 |
| Loan and lease loss provision to assets | 0.1126% | 5,907 |
| Net operating income to assets | 0.9778% | 2,308 |
| Return on assets (ROA) | 0.9778% | 2,428 |
| Pretax return on assets | 0.9778% | 3,262 |
| Return on Equity (ROE) | 10.4044% | 1,974 |
| Retained earnings to average equity (ytd only) | -0.4903% | 5,912 |
| Net charge-offs to loans | 0.0926% | 5,601 |
| Credit loss provision to net charge-offs | 183.3333% | 1,979 |
| Earnings coverage of net charge-offs (x) | 17.7497% | 1,307 |
| Efficiency ratio | 72.0105% | 3,695 |
| Assets per employee ($millions) | 3.3371% | 5,367 |
| Cash dividends to net income (ytd only)* | 104.7122% | 316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0266% | 6,280 |
| Loan loss allowance to noncurrent loans | 60.0666% | 4,320 |
| Noncurrent assets plus other real estate owned to assets | 1.1256% | 4,865 |
| Noncurrent loans to loans | 1.7092% | 4,076 |
| Net loans and leases to total assets | 65.1808% | 3,872 |
| Net loans and leases to deposits | 71.9644% | 4,849 |
| Net loans and leases to core deposits | 79.8156% | 4,546 |
| Total domestic deposits to total assets | 90.5737% | 610 |
| Equity capital to assets | 9.1585% | 5,372 |
| Core capital (leverage) ratio | 9.1707% | 4,425 |
| Tier 1 risk-based capital ratio | 13.6288% | 4,099 |
| Total risk-based capital ratio | 14.6349% | 4,253 |
| Memoranda: | ||
| Average total assets | $52,089,000 | 6,535 |
| Average earning assets | $49,123,500 | 6,469 |
| Average equity | $4,895,250 | 6,788 |
| Average total loans | $34,562,750 | 6,261 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1598% | 4,142 |
| Cost of funding earning assets | 1.5200% | 3,133 |
| Net interest margin | 3.6398% | 4,631 |
| Noninterest income to average assets | 0.4724% | 4,339 |
| Noninterest expense to average assets | 2.8071% | 4,453 |
| Loan and lease loss provision to assets | 0.1084% | 5,828 |
| Net operating income to assets | 0.9873% | 2,247 |
| Return on assets (ROA) | 0.9873% | 2,325 |
| Pretax return on assets | 0.9873% | 3,164 |
| Return on Equity (ROE) | 10.4145% | 1,956 |
| Retained earnings to average equity (ytd only) | -1.4294% | 6,050 |
| Net charge-offs to loans | 0.0466% | 5,739 |
| Credit loss provision to net charge-offs | 350.0000% | 1,043 |
| Earnings coverage of net charge-offs (x) | 35.3750% | 807 |
| Efficiency ratio | 71.9246% | 3,826 |
| Assets per employee ($millions) | 3.0579% | 6,018 |
| Cash dividends to net income (ytd only)* | 113.7255% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 6,201 |
| Loan loss allowance to noncurrent loans | 1,805.0000% | 220 |
| Noncurrent assets plus other real estate owned to assets | 0.0385% | 7,303 |
| Noncurrent loans to loans | 0.0579% | 7,173 |
| Net loans and leases to total assets | 65.7190% | 3,890 |
| Net loans and leases to deposits | 74.1793% | 4,650 |
| Net loans and leases to core deposits | 82.0915% | 4,405 |
| Total domestic deposits to total assets | 88.5948% | 1,683 |
| Equity capital to assets | 9.3739% | 4,894 |
| Core capital (leverage) ratio | 9.3776% | 3,998 |
| Tier 1 risk-based capital ratio | 13.8026% | 3,875 |
| Total risk-based capital ratio | 14.8251% | 3,989 |
| Memoranda: | ||
| Average total assets | $51,654,330 | 6,596 |
| Average earning assets | $48,684,330 | 6,519 |
| Average equity | $4,897,000 | 6,815 |
| Average total loans | $34,362,670 | 6,314 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2140% | 3,946 |
| Cost of funding earning assets | 1.5890% | 3,024 |
| Net interest margin | 3.6250% | 4,602 |
| Noninterest income to average assets | 0.4506% | 4,459 |
| Noninterest expense to average assets | 2.7812% | 4,556 |
| Loan and lease loss provision to assets | 0.1243% | 5,334 |
| Net operating income to assets | 0.9478% | 2,367 |
| Return on assets (ROA) | 0.9478% | 2,434 |
| Pretax return on assets | 0.9478% | 3,273 |
| Return on Equity (ROE) | 9.9409% | 2,123 |
| Retained earnings to average equity (ytd only) | 0.1630% | 5,760 |
| Net charge-offs to loans | 0.0117% | 5,421 |
| Credit loss provision to net charge-offs | 1,600.0000% | 306 |
| Earnings coverage of net charge-offs (x) | 138.0000% | 240 |
| Efficiency ratio | 72.1774% | 3,901 |
| Assets per employee ($millions) | 3.0208% | 6,164 |
| Cash dividends to net income (ytd only)* | 98.3607% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0412% | 6,277 |
| Loan loss allowance to noncurrent loans | 1,078.7879% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.0643% | 7,321 |
| Noncurrent loans to loans | 0.0965% | 7,155 |
| Net loans and leases to total assets | 65.8871% | 3,882 |
| Net loans and leases to deposits | 73.0888% | 4,890 |
| Net loans and leases to core deposits | 79.0981% | 4,880 |
| Total domestic deposits to total assets | 90.1466% | 916 |
| Equity capital to assets | 9.5613% | 4,440 |
| Core capital (leverage) ratio | 9.4881% | 3,790 |
| Tier 1 risk-based capital ratio | 13.8771% | 3,744 |
| Total risk-based capital ratio | 14.8833% | 3,862 |
| Memoranda: | ||
| Average total assets | $51,489,000 | 6,678 |
| Average earning assets | $48,331,500 | 6,616 |
| Average equity | $4,909,000 | 6,876 |
| Average total loans | $34,281,500 | 6,405 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2850% | 5,260 |
| Cost of funding earning assets | 1.9603% | 3,153 |
| Net interest margin | 3.3248% | 5,643 |
| Noninterest income to average assets | 0.5426% | 4,091 |
| Noninterest expense to average assets | 2.6499% | 5,596 |
| Loan and lease loss provision to assets | 0.1898% | 5,824 |
| Net operating income to assets | 0.8379% | 2,392 |
| Return on assets (ROA) | 0.7593% | 2,776 |
| Pretax return on assets | 0.7593% | 3,380 |
| Return on Equity (ROE) | 8.2627% | 2,274 |
| Retained earnings to average equity (ytd only) | 4.2983% | 2,216 |
| Net charge-offs to loans | 0.1223% | 5,959 |
| Credit loss provision to net charge-offs | 247.5000% | 1,437 |
| Earnings coverage of net charge-offs (x) | 13.4000% | 1,431 |
| Efficiency ratio | 72.0542% | 4,253 |
| Assets per employee ($millions) | 3.0368% | 6,126 |
| Cash dividends to net income (ytd only)* | 47.9798% | 2,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 6,437 |
| Loan loss allowance to noncurrent loans | 874.3590% | 403 |
| Noncurrent assets plus other real estate owned to assets | 0.0755% | 7,307 |
| Noncurrent loans to loans | 0.1135% | 7,135 |
| Net loans and leases to total assets | 65.9196% | 4,168 |
| Net loans and leases to deposits | 73.0718% | 5,181 |
| Net loans and leases to core deposits | 92.1800% | 4,865 |
| Total domestic deposits to total assets | 90.2121% | 876 |
| Equity capital to assets | 9.5070% | 4,404 |
| Core capital (leverage) ratio | 9.3593% | 3,888 |
| Tier 1 risk-based capital ratio | 13.9329% | 3,544 |
| Total risk-based capital ratio | 14.9009% | 3,657 |
| Memoranda: | ||
| Average total assets | $52,152,200 | 6,633 |
| Average earning assets | $49,176,600 | 6,557 |
| Average equity | $4,792,600 | 7,026 |
| Average total loans | $32,708,200 | 6,483 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2535% | 5,663 |
| Cost of funding earning assets | 2.0183% | 3,259 |
| Net interest margin | 3.2352% | 5,894 |
| Noninterest income to average assets | 0.5406% | 4,155 |
| Noninterest expense to average assets | 2.5629% | 5,845 |
| Loan and lease loss provision to assets | 0.1913% | 5,467 |
| Net operating income to assets | 0.8441% | 2,641 |
| Return on assets (ROA) | 0.7395% | 3,125 |
| Pretax return on assets | 0.7395% | 3,733 |
| Return on Equity (ROE) | 8.1167% | 2,593 |
| Retained earnings to average equity (ytd only) | 2.7988% | 3,769 |
| Net charge-offs to loans | 0.1280% | 5,419 |
| Credit loss provision to net charge-offs | 241.9355% | 1,801 |
| Earnings coverage of net charge-offs (x) | 13.0975% | 1,701 |
| Efficiency ratio | 71.2261% | 4,384 |
| Assets per employee ($millions) | 3.2813% | 5,449 |
| Cash dividends to net income (ytd only)* | 65.5175% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9859% | 6,378 |
| Loan loss allowance to noncurrent loans | 2,173.3333% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0286% | 7,513 |
| Noncurrent loans to loans | 0.0454% | 7,397 |
| Net loans and leases to total assets | 62.3607% | 5,183 |
| Net loans and leases to deposits | 70.1988% | 5,889 |
| Net loans and leases to core deposits | 88.4889% | 5,597 |
| Total domestic deposits to total assets | 88.8345% | 1,275 |
| Equity capital to assets | 9.1465% | 5,267 |
| Core capital (leverage) ratio | 9.2312% | 4,292 |
| Tier 1 risk-based capital ratio | 14.0319% | 3,532 |
| Total risk-based capital ratio | 14.9845% | 3,642 |
| Memoranda: | ||
| Average total assets | $52,284,000 | 6,668 |
| Average earning assets | $49,413,500 | 6,597 |
| Average equity | $4,763,750 | 7,092 |
| Average total loans | $32,292,250 | 6,551 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2682% | 5,798 |
| Cost of funding earning assets | 2.0724% | 3,407 |
| Net interest margin | 3.1958% | 5,931 |
| Noninterest income to average assets | 0.5401% | 4,111 |
| Noninterest expense to average assets | 2.5358% | 5,999 |
| Loan and lease loss provision to assets | 0.1839% | 5,195 |
| Net operating income to assets | 0.8389% | 2,703 |
| Return on assets (ROA) | 0.6320% | 3,655 |
| Pretax return on assets | 0.6320% | 4,228 |
| Return on Equity (ROE) | 6.9459% | 3,225 |
| Retained earnings to average equity (ytd only) | 1.8943% | 4,290 |
| Net charge-offs to loans | 0.1186% | 4,975 |
| Credit loss provision to net charge-offs | 252.6316% | 1,843 |
| Earnings coverage of net charge-offs (x) | 14.0526% | 1,687 |
| Efficiency ratio | 71.2594% | 4,548 |
| Assets per employee ($millions) | 3.2186% | 5,542 |
| Cash dividends to net income (ytd only)* | 72.7273% | 1,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9255% | 6,666 |
| Loan loss allowance to noncurrent loans | 4,442.8571% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 7,602 |
| Noncurrent loans to loans | 0.0208% | 7,497 |
| Net loans and leases to total assets | 64.6511% | 4,847 |
| Net loans and leases to deposits | 73.5551% | 5,530 |
| Net loans and leases to core deposits | 91.2740% | 5,423 |
| Total domestic deposits to total assets | 87.8947% | 1,819 |
| Equity capital to assets | 9.2178% | 4,990 |
| Core capital (leverage) ratio | 8.9849% | 4,657 |
| Tier 1 risk-based capital ratio | 13.4678% | 3,832 |
| Total risk-based capital ratio | 14.3502% | 3,986 |
| Memoranda: | ||
| Average total assets | $52,211,670 | 6,737 |
| Average earning assets | $49,314,670 | 6,662 |
| Average equity | $4,751,000 | 7,152 |
| Average total loans | $32,034,330 | 6,609 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 6,526 |
| Cost of funding earning assets | 2.0884% | 3,703 |
| Net interest margin | 3.0516% | 6,335 |
| Noninterest income to average assets | 0.5098% | 4,232 |
| Noninterest expense to average assets | 2.4577% | 5,999 |
| Loan and lease loss provision to assets | 0.1446% | 5,098 |
| Net operating income to assets | 0.7761% | 3,228 |
| Return on assets (ROA) | 0.7761% | 3,400 |
| Pretax return on assets | 0.7761% | 4,164 |
| Return on Equity (ROE) | 8.5841% | 2,893 |
| Retained earnings to average equity (ytd only) | 8.5841% | 1,606 |
| Net charge-offs to loans | 0.0640% | 4,566 |
| Credit loss provision to net charge-offs | 380.0000% | 1,356 |
| Earnings coverage of net charge-offs (x) | 24.2000% | 1,247 |
| Efficiency ratio | 72.7477% | 4,049 |
| Assets per employee ($millions) | 3.3802% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9361% | 6,577 |
| Loan loss allowance to noncurrent loans | 4,228.5714% | 122 |
| Noncurrent assets plus other real estate owned to assets | 0.0129% | 7,599 |
| Noncurrent loans to loans | 0.0221% | 7,488 |
| Net loans and leases to total assets | 57.9184% | 5,951 |
| Net loans and leases to deposits | 63.7937% | 6,579 |
| Net loans and leases to core deposits | 85.6081% | 5,934 |
| Total domestic deposits to total assets | 90.7901% | 484 |
| Equity capital to assets | 8.8826% | 5,508 |
| Core capital (leverage) ratio | 9.1846% | 4,433 |
| Tier 1 risk-based capital ratio | 13.8604% | 3,661 |
| Total risk-based capital ratio | 14.7144% | 3,810 |
| Memoranda: | ||
| Average total assets | $52,568,500 | 6,755 |
| Average earning assets | $49,416,000 | 6,690 |
| Average equity | $4,753,000 | 7,207 |
| Average total loans | $31,249,000 | 6,686 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3757% | 7,497 |
| Cost of funding earning assets | 2.6869% | 3,223 |
| Net interest margin | 2.6888% | 7,514 |
| Noninterest income to average assets | 0.4808% | 4,791 |
| Noninterest expense to average assets | 2.5447% | 5,840 |
| Loan and lease loss provision to assets | 0.1426% | 5,530 |
| Net operating income to assets | 0.3345% | 5,422 |
| Return on assets (ROA) | 0.3345% | 5,242 |
| Pretax return on assets | 0.3345% | 5,432 |
| Return on Equity (ROE) | 3.9016% | 4,860 |
| Retained earnings to average equity (ytd only) | -0.1492% | 5,320 |
| Net charge-offs to loans | 0.0589% | 5,936 |
| Credit loss provision to net charge-offs | 458.8235% | 956 |
| Earnings coverage of net charge-offs (x) | 15.3529% | 1,938 |
| Efficiency ratio | 84.2105% | 2,031 |
| Assets per employee ($millions) | 3.1909% | 5,506 |
| Cash dividends to net income (ytd only)* | 103.8251% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9133% | 6,603 |
| 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 | 59.9287% | 5,916 |
| Net loans and leases to deposits | 66.2394% | 6,628 |
| Net loans and leases to core deposits | 88.4789% | 5,930 |
| Total domestic deposits to total assets | 90.4728% | 501 |
| Equity capital to assets | 9.2099% | 5,063 |
| Core capital (leverage) ratio | 9.1333% | 4,548 |
| Tier 1 risk-based capital ratio | 13.7820% | 3,653 |
| Total risk-based capital ratio | 14.6086% | 3,803 |
| Memoranda: | ||
| Average total assets | $54,701,400 | 6,593 |
| Average earning assets | $51,695,200 | 6,520 |
| Average equity | $4,690,400 | 7,257 |
| Average total loans | $28,855,400 | 6,779 |