Home > State Bank of Long Island > Performance and Condition Ratios
State Bank of Long Island, Performance and Condition Ratios
| 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 | 4.8683% | 3,507 |
| Cost of funding earning assets | 0.5583% | 6,295 |
| Net interest margin | 4.3100% | 1,668 |
| Noninterest income to average assets | 0.2298% | 5,891 |
| Noninterest expense to average assets | 2.9612% | 3,737 |
| Loan and lease loss provision to assets | -0.0312% | 7,231 |
| Net operating income to assets | 0.8208% | 2,951 |
| Return on assets (ROA) | 0.8635% | 2,904 |
| Pretax return on assets | 1.4116% | 1,746 |
| Return on Equity (ROE) | 7.8021% | 3,009 |
| Retained earnings to average equity (ytd only) | 0.3613% | 5,668 |
| Net charge-offs to loans | 0.9587% | 1,800 |
| Credit loss provision to net charge-offs | -4.5393% | 6,601 |
| Earnings coverage of net charge-offs (x) | 1.9117% | 4,342 |
| Efficiency ratio | 69.2697% | 4,095 |
| Assets per employee ($millions) | 6.7053% | 856 |
| Cash dividends to net income (ytd only)* | 95.3688% | 419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8599% | 2,676 |
| Loan loss allowance to noncurrent loans | 239.9355% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 5,570 |
| Noncurrent loans to loans | 0.7752% | 5,139 |
| Net loans and leases to total assets | 70.9996% | 1,825 |
| Net loans and leases to deposits | 82.4079% | 2,142 |
| Net loans and leases to core deposits | 102.2877% | 1,003 |
| Total domestic deposits to total assets | 86.1562% | 3,227 |
| Equity capital to assets | 10.9183% | 3,057 |
| Core capital (leverage) ratio | 9.9672% | 3,381 |
| Tier 1 risk-based capital ratio | 12.6796% | 5,319 |
| Total risk-based capital ratio | 13.9349% | 5,298 |
| Memoranda: | ||
| Average total assets | $1,602,889,200 | 410 |
| Average earning assets | $1,504,393,600 | 390 |
| Average equity | $177,400,200 | 396 |
| Average total loans | $1,148,930,000 | 372 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 3,597 |
| Cost of funding earning assets | 0.5623% | 6,464 |
| Net interest margin | 4.3302% | 1,611 |
| Noninterest income to average assets | 0.2272% | 5,989 |
| Noninterest expense to average assets | 2.5811% | 5,146 |
| Loan and lease loss provision to assets | -0.0416% | 7,322 |
| Net operating income to assets | 1.0700% | 2,073 |
| Return on assets (ROA) | 1.1257% | 2,018 |
| Pretax return on assets | 1.8386% | 887 |
| Return on Equity (ROE) | 10.1372% | 2,150 |
| Retained earnings to average equity (ytd only) | 5.4933% | 2,866 |
| Net charge-offs to loans | 1.0597% | 1,500 |
| Credit loss provision to net charge-offs | -5.4879% | 6,403 |
| Earnings coverage of net charge-offs (x) | 2.2565% | 3,998 |
| Efficiency ratio | 60.1493% | 5,694 |
| Assets per employee ($millions) | 6.7098% | 848 |
| Cash dividends to net income (ytd only)* | 45.8106% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0188% | 2,285 |
| Loan loss allowance to noncurrent loans | 201.5892% | 1,555 |
| Noncurrent assets plus other real estate owned to assets | 0.7199% | 5,360 |
| Noncurrent loans to loans | 1.0014% | 4,889 |
| Net loans and leases to total assets | 70.4338% | 1,993 |
| Net loans and leases to deposits | 82.0636% | 2,344 |
| Net loans and leases to core deposits | 97.0490% | 1,506 |
| Total domestic deposits to total assets | 85.8283% | 3,314 |
| Equity capital to assets | 11.2882% | 2,877 |
| Core capital (leverage) ratio | 10.4995% | 2,869 |
| Tier 1 risk-based capital ratio | 13.0751% | 5,041 |
| Total risk-based capital ratio | 14.3322% | 5,011 |
| Memoranda: | ||
| Average total assets | $1,602,972,250 | 414 |
| Average earning assets | $1,504,392,500 | 391 |
| Average equity | $178,007,250 | 402 |
| Average total loans | $1,146,319,500 | 375 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8888% | 3,674 |
| Cost of funding earning assets | 0.5692% | 6,590 |
| Net interest margin | 4.3196% | 1,600 |
| Noninterest income to average assets | 0.2439% | 5,903 |
| Noninterest expense to average assets | 2.6859% | 4,875 |
| Loan and lease loss provision to assets | 0.3754% | 2,542 |
| Net operating income to assets | 0.7662% | 3,216 |
| Return on assets (ROA) | 0.7752% | 3,308 |
| Pretax return on assets | 1.2438% | 2,331 |
| Return on Equity (ROE) | 7.0199% | 3,439 |
| Retained earnings to average equity (ytd only) | 3.9604% | 3,672 |
| Net charge-offs to loans | 1.4632% | 1,022 |
| Credit loss provision to net charge-offs | 35.9411% | 4,891 |
| Earnings coverage of net charge-offs (x) | 1.5367% | 4,139 |
| Efficiency ratio | 62.5937% | 5,480 |
| Assets per employee ($millions) | 6.4761% | 939 |
| Cash dividends to net income (ytd only)* | 43.5835% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4257% | 1,553 |
| Loan loss allowance to noncurrent loans | 239.2666% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.7130% | 5,481 |
| Noncurrent loans to loans | 1.0138% | 4,966 |
| Net loans and leases to total assets | 68.6239% | 2,489 |
| Net loans and leases to deposits | 79.5166% | 2,884 |
| Net loans and leases to core deposits | 93.8348% | 1,914 |
| Total domestic deposits to total assets | 86.3014% | 3,157 |
| Equity capital to assets | 10.9964% | 2,958 |
| Core capital (leverage) ratio | 9.9124% | 3,371 |
| Tier 1 risk-based capital ratio | 12.5396% | 5,310 |
| Total risk-based capital ratio | 13.8010% | 5,275 |
| Memoranda: | ||
| Average total assets | $1,598,277,330 | 422 |
| Average earning assets | $1,497,458,330 | 400 |
| Average equity | $176,497,330 | 409 |
| Average total loans | $1,140,952,330 | 384 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8414% | 3,860 |
| Cost of funding earning assets | 0.5865% | 6,662 |
| Net interest margin | 4.2549% | 1,724 |
| Noninterest income to average assets | 0.2623% | 5,788 |
| Noninterest expense to average assets | 2.5106% | 5,518 |
| Loan and lease loss provision to assets | 0.4796% | 1,836 |
| Net operating income to assets | 0.7877% | 3,092 |
| Return on assets (ROA) | 0.8009% | 3,098 |
| Pretax return on assets | 1.2760% | 2,115 |
| Return on Equity (ROE) | 7.2372% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.2372% | 2,050 |
| Net charge-offs to loans | 2.5930% | 429 |
| Credit loss provision to net charge-offs | 25.7139% | 4,187 |
| Earnings coverage of net charge-offs (x) | 0.9302% | 3,955 |
| Efficiency ratio | 59.1355% | 6,112 |
| Assets per employee ($millions) | 5.7843% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4027% | 1,602 |
| Loan loss allowance to noncurrent loans | 230.6001% | 1,296 |
| Noncurrent assets plus other real estate owned to assets | 0.7576% | 5,405 |
| Noncurrent loans to loans | 1.0419% | 4,971 |
| Net loans and leases to total assets | 70.9693% | 1,935 |
| Net loans and leases to deposits | 83.6523% | 2,085 |
| Net loans and leases to core deposits | 96.6755% | 1,622 |
| Total domestic deposits to total assets | 84.8384% | 4,115 |
| Equity capital to assets | 11.1801% | 2,520 |
| Core capital (leverage) ratio | 10.0356% | 3,105 |
| Tier 1 risk-based capital ratio | 12.4499% | 5,311 |
| Total risk-based capital ratio | 13.7113% | 5,277 |
| Memoranda: | ||
| Average total assets | $1,584,662,500 | 433 |
| Average earning assets | $1,483,452,500 | 408 |
| Average equity | $175,372,500 | 409 |
| Average total loans | $1,139,819,500 | 387 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1293% | 3,962 |
| Cost of funding earning assets | 0.7442% | 6,755 |
| Net interest margin | 4.3851% | 1,531 |
| Noninterest income to average assets | 0.2891% | 5,718 |
| Noninterest expense to average assets | 2.5925% | 5,453 |
| Loan and lease loss provision to assets | 0.7985% | 2,039 |
| Net operating income to assets | 0.6022% | 3,655 |
| Return on assets (ROA) | 0.7417% | 3,161 |
| Pretax return on assets | 1.1655% | 2,344 |
| Return on Equity (ROE) | 7.0433% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.0433% | 1,302 |
| Net charge-offs to loans | 0.7699% | 2,718 |
| Credit loss provision to net charge-offs | 151.1778% | 2,384 |
| Earnings coverage of net charge-offs (x) | 3.3059% | 3,425 |
| Efficiency ratio | 59.7532% | 6,086 |
| Assets per employee ($millions) | 5.9337% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9237% | 927 |
| Loan loss allowance to noncurrent loans | 222.6425% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.9343% | 5,146 |
| Noncurrent loans to loans | 1.3132% | 4,520 |
| Net loans and leases to total assets | 69.0655% | 2,746 |
| Net loans and leases to deposits | 81.3953% | 2,920 |
| Net loans and leases to core deposits | 93.6971% | 2,297 |
| Total domestic deposits to total assets | 84.8519% | 3,925 |
| Equity capital to assets | 10.9544% | 2,730 |
| Core capital (leverage) ratio | 9.4981% | 3,710 |
| Tier 1 risk-based capital ratio | 12.2256% | 5,277 |
| Total risk-based capital ratio | 13.4929% | 5,229 |
| Memoranda: | ||
| Average total assets | $1,615,445,400 | 421 |
| Average earning assets | $1,491,848,800 | 414 |
| Average equity | $170,104,000 | 408 |
| Average total loans | $1,108,331,600 | 406 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1789% | 3,943 |
| Cost of funding earning assets | 0.7605% | 6,883 |
| Net interest margin | 4.4184% | 1,471 |
| Noninterest income to average assets | 0.2476% | 6,121 |
| Noninterest expense to average assets | 2.6825% | 4,955 |
| Loan and lease loss provision to assets | 0.8386% | 1,813 |
| Net operating income to assets | 0.4967% | 4,332 |
| Return on assets (ROA) | 0.6816% | 3,661 |
| Pretax return on assets | 1.0808% | 2,894 |
| Return on Equity (ROE) | 6.5372% | 3,554 |
| Retained earnings to average equity (ytd only) | 6.5372% | 2,069 |
| Net charge-offs to loans | 0.7767% | 2,493 |
| Credit loss provision to net charge-offs | 158.8043% | 2,396 |
| Earnings coverage of net charge-offs (x) | 3.0877% | 3,589 |
| Efficiency ratio | 62.1960% | 5,592 |
| Assets per employee ($millions) | 6.0465% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9175% | 888 |
| Loan loss allowance to noncurrent loans | 356.6974% | 829 |
| Noncurrent assets plus other real estate owned to assets | 0.5538% | 6,044 |
| Noncurrent loans to loans | 0.8179% | 5,583 |
| Net loans and leases to total assets | 65.7330% | 3,749 |
| Net loans and leases to deposits | 77.9646% | 3,833 |
| Net loans and leases to core deposits | 91.7178% | 2,846 |
| Total domestic deposits to total assets | 84.3113% | 3,955 |
| Equity capital to assets | 10.4943% | 3,527 |
| Core capital (leverage) ratio | 9.2287% | 4,321 |
| Tier 1 risk-based capital ratio | 11.8935% | 5,556 |
| Total risk-based capital ratio | 13.1605% | 5,519 |
| Memoranda: | ||
| Average total assets | $1,621,752,000 | 418 |
| Average earning assets | $1,492,141,250 | 410 |
| Average equity | $169,080,250 | 401 |
| Average total loans | $1,102,572,000 | 408 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2602% | 3,649 |
| Cost of funding earning assets | 0.7747% | 6,992 |
| Net interest margin | 4.4855% | 1,232 |
| Noninterest income to average assets | 0.2152% | 6,383 |
| Noninterest expense to average assets | 2.7385% | 4,746 |
| Loan and lease loss provision to assets | 0.9541% | 1,538 |
| Net operating income to assets | 0.3947% | 4,778 |
| Return on assets (ROA) | 0.6152% | 3,950 |
| Pretax return on assets | 0.9847% | 3,179 |
| Return on Equity (ROE) | 5.9139% | 3,842 |
| Retained earnings to average equity (ytd only) | 5.9139% | 2,378 |
| Net charge-offs to loans | 0.9377% | 1,960 |
| Credit loss provision to net charge-offs | 149.4565% | 2,640 |
| Earnings coverage of net charge-offs (x) | 2.4973% | 3,752 |
| Efficiency ratio | 63.2053% | 5,485 |
| Assets per employee ($millions) | 5.9566% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8383% | 966 |
| Loan loss allowance to noncurrent loans | 423.7934% | 736 |
| Noncurrent assets plus other real estate owned to assets | 0.4569% | 6,306 |
| Noncurrent loans to loans | 0.6697% | 5,911 |
| Net loans and leases to total assets | 66.2899% | 3,767 |
| Net loans and leases to deposits | 76.9260% | 4,167 |
| Net loans and leases to core deposits | 93.7294% | 2,760 |
| Total domestic deposits to total assets | 86.1737% | 2,999 |
| Equity capital to assets | 10.5444% | 3,350 |
| Core capital (leverage) ratio | 8.7679% | 4,976 |
| Tier 1 risk-based capital ratio | 11.7887% | 5,505 |
| Total risk-based capital ratio | 13.0552% | 5,452 |
| Memoranda: | ||
| Average total assets | $1,614,120,330 | 421 |
| Average earning assets | $1,481,663,330 | 417 |
| Average equity | $167,909,000 | 406 |
| Average total loans | $1,098,908,330 | 417 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3817% | 3,134 |
| Cost of funding earning assets | 0.7764% | 7,161 |
| Net interest margin | 4.6053% | 940 |
| Noninterest income to average assets | 0.2211% | 6,383 |
| Noninterest expense to average assets | 2.7161% | 4,829 |
| Loan and lease loss provision to assets | 0.5576% | 2,270 |
| Net operating income to assets | 0.7561% | 3,179 |
| Return on assets (ROA) | 0.7968% | 3,084 |
| Pretax return on assets | 1.2636% | 2,159 |
| Return on Equity (ROE) | 7.7118% | 3,019 |
| Retained earnings to average equity (ytd only) | 7.7118% | 1,834 |
| Net charge-offs to loans | 1.9787% | 869 |
| Credit loss provision to net charge-offs | 41.4365% | 4,617 |
| Earnings coverage of net charge-offs (x) | 1.3063% | 3,966 |
| Efficiency ratio | 60.7101% | 6,055 |
| Assets per employee ($millions) | 5.9379% | 1,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3272% | 1,534 |
| Loan loss allowance to noncurrent loans | 442.9389% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.3556% | 6,585 |
| Noncurrent loans to loans | 0.5254% | 6,238 |
| Net loans and leases to total assets | 66.1025% | 3,828 |
| Net loans and leases to deposits | 76.9321% | 4,233 |
| Net loans and leases to core deposits | 96.6449% | 2,506 |
| Total domestic deposits to total assets | 85.9232% | 3,197 |
| Equity capital to assets | 10.3946% | 3,351 |
| Core capital (leverage) ratio | 8.8140% | 4,836 |
| Tier 1 risk-based capital ratio | 11.3604% | 5,804 |
| Total risk-based capital ratio | 12.6206% | 5,768 |
| Memoranda: | ||
| Average total assets | $1,614,056,500 | 433 |
| Average earning assets | $1,490,531,500 | 427 |
| Average equity | $166,757,500 | 415 |
| Average total loans | $1,097,691,000 | 433 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1623% | 5,822 |
| Cost of funding earning assets | 0.9453% | 7,318 |
| Net interest margin | 4.2169% | 2,013 |
| Noninterest income to average assets | 0.2720% | 6,168 |
| Noninterest expense to average assets | 2.9142% | 4,490 |
| Loan and lease loss provision to assets | 2.4210% | 835 |
| Net operating income to assets | -0.6856% | 6,352 |
| Return on assets (ROA) | -0.8035% | 6,439 |
| Pretax return on assets | -1.3382% | 6,619 |
| Return on Equity (ROE) | -7.5803% | 6,435 |
| Retained earnings to average equity (ytd only) | -7.5803% | 6,297 |
| Net charge-offs to loans | 2.6366% | 854 |
| Credit loss provision to net charge-offs | 134.0938% | 3,715 |
| Earnings coverage of net charge-offs (x) | 0.7018% | 5,397 |
| Efficiency ratio | 69.6917% | 4,695 |
| Assets per employee ($millions) | 5.9965% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6141% | 1,108 |
| Loan loss allowance to noncurrent loans | 272.5814% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.6554% | 5,823 |
| Noncurrent loans to loans | 0.9590% | 5,394 |
| Net loans and leases to total assets | 66.5553% | 4,023 |
| Net loans and leases to deposits | 79.1319% | 4,149 |
| Net loans and leases to core deposits | 92.4088% | 4,836 |
| Total domestic deposits to total assets | 84.1068% | 3,981 |
| Equity capital to assets | 10.2680% | 3,440 |
| Core capital (leverage) ratio | 8.4580% | 5,349 |
| Tier 1 risk-based capital ratio | 10.9757% | 5,934 |
| Total risk-based capital ratio | 12.2391% | 5,897 |
| Memoranda: | ||
| Average total assets | $1,631,540,800 | 423 |
| Average earning assets | $1,512,497,800 | 416 |
| Average equity | $172,934,400 | 399 |
| Average total loans | $1,117,254,800 | 442 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1400% | 6,141 |
| Cost of funding earning assets | 0.9875% | 7,418 |
| Net interest margin | 4.1525% | 2,204 |
| Noninterest income to average assets | 0.2781% | 6,247 |
| Noninterest expense to average assets | 2.6778% | 5,419 |
| Loan and lease loss provision to assets | 1.3433% | 1,442 |
| Net operating income to assets | 0.0770% | 5,536 |
| Return on assets (ROA) | -0.0913% | 5,913 |
| Pretax return on assets | -0.1255% | 5,878 |
| Return on Equity (ROE) | -0.8545% | 5,909 |
| Retained earnings to average equity (ytd only) | -0.8545% | 5,453 |
| Net charge-offs to loans | 0.6853% | 2,641 |
| Credit loss provision to net charge-offs | 286.1106% | 1,463 |
| Earnings coverage of net charge-offs (x) | 3.0848% | 3,692 |
| Efficiency ratio | 64.8922% | 5,568 |
| Assets per employee ($millions) | 5.8016% | 1,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6310% | 939 |
| Loan loss allowance to noncurrent loans | 84.8195% | 3,217 |
| Noncurrent assets plus other real estate owned to assets | 2.1726% | 3,130 |
| Noncurrent loans to loans | 3.1018% | 2,434 |
| Net loans and leases to total assets | 68.2007% | 3,912 |
| Net loans and leases to deposits | 82.9883% | 3,833 |
| Net loans and leases to core deposits | 100.4659% | 4,324 |
| Total domestic deposits to total assets | 82.1811% | 4,597 |
| Equity capital to assets | 11.1167% | 2,907 |
| Core capital (leverage) ratio | 9.6229% | 3,754 |
| Tier 1 risk-based capital ratio | 12.4240% | 4,607 |
| Total risk-based capital ratio | 13.6879% | 4,548 |
| Memoranda: | ||
| Average total assets | $1,637,657,250 | 433 |
| Average earning assets | $1,517,611,750 | 432 |
| Average equity | $174,914,500 | 404 |
| Average total loans | $1,121,992,250 | 453 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1048% | 6,416 |
| Cost of funding earning assets | 1.0117% | 7,532 |
| Net interest margin | 4.0930% | 2,344 |
| Noninterest income to average assets | 0.2589% | 6,425 |
| Noninterest expense to average assets | 2.6151% | 5,685 |
| Loan and lease loss provision to assets | 1.6346% | 1,023 |
| Net operating income to assets | -0.1423% | 6,091 |
| Return on assets (ROA) | -0.4075% | 6,463 |
| Pretax return on assets | -0.6129% | 6,539 |
| Return on Equity (ROE) | -3.8656% | 6,464 |
| Retained earnings to average equity (ytd only) | -3.8656% | 6,114 |
| Net charge-offs to loans | 0.7502% | 2,184 |
| Credit loss provision to net charge-offs | 320.3607% | 1,455 |
| Earnings coverage of net charge-offs (x) | 2.7897% | 3,692 |
| Efficiency ratio | 64.7438% | 5,765 |
| Assets per employee ($millions) | 6.0630% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4813% | 918 |
| Loan loss allowance to noncurrent loans | 80.7872% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 2.0905% | 3,071 |
| Noncurrent loans to loans | 3.0714% | 2,334 |
| Net loans and leases to total assets | 66.3750% | 4,489 |
| Net loans and leases to deposits | 76.7596% | 5,061 |
| Net loans and leases to core deposits | 94.5079% | 5,056 |
| Total domestic deposits to total assets | 86.4713% | 2,522 |
| Equity capital to assets | 10.4769% | 3,430 |
| Core capital (leverage) ratio | 9.2653% | 4,219 |
| Tier 1 risk-based capital ratio | 11.8406% | 5,060 |
| Total risk-based capital ratio | 13.1023% | 4,962 |
| Memoranda: | ||
| Average total assets | $1,651,732,330 | 439 |
| Average earning assets | $1,525,281,670 | 438 |
| Average equity | $174,099,330 | 408 |
| Average total loans | $1,123,490,670 | 466 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1791% | 6,379 |
| Cost of funding earning assets | 1.0526% | 7,595 |
| Net interest margin | 4.1265% | 2,184 |
| Noninterest income to average assets | 0.2545% | 6,422 |
| Noninterest expense to average assets | 2.4524% | 6,014 |
| Loan and lease loss provision to assets | 2.4242% | 478 |
| Net operating income to assets | -0.5422% | 6,917 |
| Return on assets (ROA) | -1.1537% | 7,348 |
| Pretax return on assets | -1.7161% | 7,443 |
| Return on Equity (ROE) | -10.9125% | 7,419 |
| Retained earnings to average equity (ytd only) | -10.9125% | 7,194 |
| Net charge-offs to loans | 0.9879% | 1,363 |
| Credit loss provision to net charge-offs | 360.8805% | 1,408 |
| Earnings coverage of net charge-offs (x) | 2.4128% | 3,524 |
| Efficiency ratio | 60.2071% | 6,374 |
| Assets per employee ($millions) | 5.9330% | 1,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3095% | 934 |
| Loan loss allowance to noncurrent loans | 90.9337% | 3,306 |
| Noncurrent assets plus other real estate owned to assets | 1.7713% | 3,263 |
| Noncurrent loans to loans | 2.5397% | 2,595 |
| Net loans and leases to total assets | 68.1312% | 4,102 |
| Net loans and leases to deposits | 83.5338% | 4,053 |
| Net loans and leases to core deposits | 102.6658% | 4,272 |
| Total domestic deposits to total assets | 81.5613% | 4,725 |
| Equity capital to assets | 10.7426% | 3,242 |
| Core capital (leverage) ratio | 9.3192% | 4,218 |
| Tier 1 risk-based capital ratio | 11.7935% | 5,132 |
| Total risk-based capital ratio | 13.0533% | 5,040 |
| Memoranda: | ||
| Average total assets | $1,649,995,000 | 442 |
| Average earning assets | $1,526,901,500 | 436 |
| Average equity | $174,441,500 | 414 |
| Average total loans | $1,121,937,000 | 469 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1209% | 4,933 |
| Cost of funding earning assets | 1.7624% | 7,106 |
| Net interest margin | 4.3584% | 1,800 |
| Noninterest income to average assets | 0.3839% | 5,604 |
| Noninterest expense to average assets | 2.6775% | 5,349 |
| Loan and lease loss provision to assets | 1.0622% | 1,373 |
| Net operating income to assets | 0.4812% | 4,822 |
| Return on assets (ROA) | 0.2041% | 5,654 |
| Pretax return on assets | 0.2795% | 5,551 |
| Return on Equity (ROE) | 2.2570% | 5,520 |
| Retained earnings to average equity (ytd only) | -1.3910% | 5,706 |
| Net charge-offs to loans | 1.0432% | 1,178 |
| Credit loss provision to net charge-offs | 152.9704% | 3,418 |
| Earnings coverage of net charge-offs (x) | 2.4789% | 4,835 |
| Efficiency ratio | 60.7704% | 6,207 |
| Assets per employee ($millions) | 6.3140% | 985 |
| Cash dividends to net income (ytd only)* | 161.6314% | 434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6630% | 2,021 |
| Loan loss allowance to noncurrent loans | 116.1306% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 0.9500% | 4,453 |
| Noncurrent loans to loans | 1.4320% | 3,656 |
| Net loans and leases to total assets | 65.2346% | 5,006 |
| Net loans and leases to deposits | 74.2696% | 5,816 |
| Net loans and leases to core deposits | 93.0655% | 5,539 |
| Total domestic deposits to total assets | 87.8349% | 1,544 |
| Equity capital to assets | 10.4104% | 3,599 |
| Core capital (leverage) ratio | 9.5195% | 3,992 |
| Tier 1 risk-based capital ratio | 12.2163% | 4,655 |
| Total risk-based capital ratio | 13.4689% | 4,543 |
| Memoranda: | ||
| Average total assets | $1,621,795,800 | 433 |
| Average earning assets | $1,493,953,200 | 427 |
| Average equity | $146,654,400 | 471 |
| Average total loans | $1,079,493,800 | 465 |