Home > The Wellsville Bank > Performance and Condition Ratios
The Wellsville Bank, Performance and Condition Ratios
| 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 | 4.2419% | 4,956 |
| Cost of funding earning assets | 0.5100% | 5,751 |
| Net interest margin | 3.7320% | 3,686 |
| Noninterest income to average assets | 0.7656% | 2,319 |
| Noninterest expense to average assets | 5.0417% | 353 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.7109% | 6,920 |
| Return on assets (ROA) | -0.7109% | 6,940 |
| Pretax return on assets | -0.7546% | 6,917 |
| Return on Equity (ROE) | -7.9099% | 6,949 |
| Retained earnings to average equity (ytd only) | -21.5394% | 7,064 |
| Net charge-offs to loans | -0.1031% | 6,798 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6020% | 247 |
| Assets per employee ($millions) | 3.7938% | 4,437 |
| Cash dividends to net income (ytd only)* | -172.3077% | 7,292 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0003% | 2,350 |
| Loan loss allowance to noncurrent loans | 550.9091% | 635 |
| Noncurrent assets plus other real estate owned to assets | 1.6922% | 3,320 |
| Noncurrent loans to loans | 0.3631% | 5,950 |
| Net loans and leases to total assets | 39.1296% | 6,418 |
| Net loans and leases to deposits | 42.5712% | 6,629 |
| Net loans and leases to core deposits | 42.9009% | 6,706 |
| Total domestic deposits to total assets | 91.9158% | 280 |
| Equity capital to assets | 7.9129% | 6,578 |
| Core capital (leverage) ratio | 7.1812% | 6,770 |
| Tier 1 risk-based capital ratio | 13.3455% | 4,940 |
| Total risk-based capital ratio | 14.5986% | 4,928 |
| Memoranda: | ||
| Average total assets | $36,575,000 | 6,777 |
| Average earning assets | $34,512,500 | 6,723 |
| Average equity | $3,287,000 | 6,901 |
| Average total loans | $15,513,500 | 6,820 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9935% | 2,909 |
| Cost of funding earning assets | 0.6369% | 5,889 |
| Net interest margin | 4.3566% | 1,524 |
| Noninterest income to average assets | 0.8610% | 1,798 |
| Noninterest expense to average assets | 3.5398% | 1,889 |
| Loan and lease loss provision to assets | 0.2551% | 3,656 |
| Net operating income to assets | 1.1297% | 1,727 |
| Return on assets (ROA) | 1.5684% | 771 |
| Pretax return on assets | 1.6235% | 1,154 |
| Return on Equity (ROE) | 17.3754% | 437 |
| Retained earnings to average equity (ytd only) | 12.2366% | 286 |
| Net charge-offs to loans | 0.4098% | 3,377 |
| Credit loss provision to net charge-offs | 133.3333% | 2,274 |
| Earnings coverage of net charge-offs (x) | 7.4545% | 2,334 |
| Efficiency ratio | 71.2785% | 3,735 |
| Assets per employee ($millions) | 3.5212% | 4,969 |
| Cash dividends to net income (ytd only)* | 29.5749% | 3,134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8830% | 2,621 |
| Loan loss allowance to noncurrent loans | 302.0202% | 1,100 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 4,404 |
| Noncurrent loans to loans | 0.6235% | 5,469 |
| Net loans and leases to total assets | 44.2463% | 6,186 |
| Net loans and leases to deposits | 49.3882% | 6,409 |
| Net loans and leases to core deposits | 49.8082% | 6,541 |
| Total domestic deposits to total assets | 89.5888% | 1,210 |
| Equity capital to assets | 10.1443% | 3,976 |
| Core capital (leverage) ratio | 8.7930% | 5,117 |
| Tier 1 risk-based capital ratio | 15.8343% | 3,143 |
| Total risk-based capital ratio | 17.1217% | 3,079 |
| Memoranda: | ||
| Average total assets | $34,493,600 | 6,844 |
| Average earning assets | $32,502,400 | 6,795 |
| Average equity | $3,113,600 | 6,985 |
| Average total loans | $16,107,200 | 6,841 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1174% | 2,525 |
| Cost of funding earning assets | 0.6639% | 5,968 |
| Net interest margin | 4.4535% | 1,268 |
| Noninterest income to average assets | 0.8548% | 1,821 |
| Noninterest expense to average assets | 3.5320% | 1,854 |
| Loan and lease loss provision to assets | 0.3108% | 3,040 |
| Net operating income to assets | 1.1683% | 1,751 |
| Return on assets (ROA) | 1.7563% | 612 |
| Pretax return on assets | 1.8146% | 932 |
| Return on Equity (ROE) | 20.0950% | 307 |
| Retained earnings to average equity (ytd only) | 12.9817% | 383 |
| Net charge-offs to loans | 0.5444% | 2,603 |
| Credit loss provision to net charge-offs | 121.2121% | 2,671 |
| Earnings coverage of net charge-offs (x) | 5.9241% | 2,668 |
| Efficiency ratio | 69.9231% | 3,968 |
| Assets per employee ($millions) | 3.5647% | 4,837 |
| Cash dividends to net income (ytd only)* | 35.3987% | 2,245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8277% | 2,839 |
| Loan loss allowance to noncurrent loans | 808.3333% | 430 |
| Noncurrent assets plus other real estate owned to assets | 0.9566% | 4,828 |
| Noncurrent loans to loans | 0.2261% | 6,422 |
| Net loans and leases to total assets | 43.8494% | 6,344 |
| Net loans and leases to deposits | 48.8866% | 6,571 |
| Net loans and leases to core deposits | 49.2936% | 6,700 |
| Total domestic deposits to total assets | 89.6962% | 1,046 |
| Equity capital to assets | 9.9503% | 4,406 |
| Core capital (leverage) ratio | 8.3996% | 5,854 |
| Tier 1 risk-based capital ratio | 15.5348% | 3,367 |
| Total risk-based capital ratio | 16.7889% | 3,326 |
| Memoranda: | ||
| Average total assets | $34,314,000 | 6,913 |
| Average earning assets | $32,333,250 | 6,857 |
| Average equity | $2,999,000 | 7,070 |
| Average total loans | $16,164,250 | 6,907 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1269% | 2,558 |
| Cost of funding earning assets | 0.6966% | 5,985 |
| Net interest margin | 4.4304% | 1,293 |
| Noninterest income to average assets | 0.7972% | 2,031 |
| Noninterest expense to average assets | 3.5312% | 1,909 |
| Loan and lease loss provision to assets | 0.3543% | 2,661 |
| Net operating income to assets | 1.0585% | 2,010 |
| Return on assets (ROA) | 1.1338% | 1,853 |
| Pretax return on assets | 1.1574% | 2,650 |
| Return on Equity (ROE) | 13.6348% | 1,063 |
| Retained earnings to average equity (ytd only) | 3.4087% | 4,089 |
| Net charge-offs to loans | 0.8741% | 1,772 |
| Credit loss provision to net charge-offs | 84.5070% | 3,635 |
| Earnings coverage of net charge-offs (x) | 3.4225% | 3,175 |
| Efficiency ratio | 71.1058% | 3,917 |
| Assets per employee ($millions) | 3.9113% | 3,963 |
| Cash dividends to net income (ytd only)* | 75.0000% | 910 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7004% | 3,327 |
| Loan loss allowance to noncurrent loans | 201.5152% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4431% | 4,049 |
| Noncurrent loans to loans | 0.8438% | 5,247 |
| Net loans and leases to total assets | 43.6822% | 6,461 |
| Net loans and leases to deposits | 48.0696% | 6,720 |
| Net loans and leases to core deposits | 48.4666% | 6,836 |
| Total domestic deposits to total assets | 90.8727% | 555 |
| Equity capital to assets | 8.8234% | 5,791 |
| Core capital (leverage) ratio | 8.1391% | 6,111 |
| Tier 1 risk-based capital ratio | 14.1954% | 4,018 |
| Total risk-based capital ratio | 15.4448% | 3,990 |
| Memoranda: | ||
| Average total assets | $33,869,670 | 6,994 |
| Average earning assets | $31,871,000 | 6,937 |
| Average equity | $2,816,330 | 7,178 |
| Average total loans | $16,245,000 | 6,968 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1621% | 2,376 |
| Cost of funding earning assets | 0.7301% | 5,979 |
| Net interest margin | 4.4320% | 1,212 |
| Noninterest income to average assets | 0.9397% | 1,503 |
| Noninterest expense to average assets | 3.4334% | 2,185 |
| Loan and lease loss provision to assets | 0.2289% | 3,367 |
| Net operating income to assets | 1.4336% | 1,011 |
| Return on assets (ROA) | 1.4336% | 1,047 |
| Pretax return on assets | 1.4456% | 1,611 |
| Return on Equity (ROE) | 17.8177% | 495 |
| Retained earnings to average equity (ytd only) | -3.7432% | 6,384 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2170% | 4,810 |
| Assets per employee ($millions) | 3.8203% | 4,260 |
| Cash dividends to net income (ytd only)* | 121.0084% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8258% | 2,931 |
| Loan loss allowance to noncurrent loans | 83.3803% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.2419% | 4,467 |
| Noncurrent loans to loans | 2.1897% | 3,333 |
| Net loans and leases to total assets | 46.2903% | 6,261 |
| Net loans and leases to deposits | 50.3209% | 6,602 |
| Net loans and leases to core deposits | 50.7380% | 6,745 |
| Total domestic deposits to total assets | 91.9902% | 288 |
| Equity capital to assets | 7.6637% | 6,773 |
| Core capital (leverage) ratio | 8.0523% | 6,185 |
| Tier 1 risk-based capital ratio | 13.7215% | 4,259 |
| Total risk-based capital ratio | 14.9766% | 4,227 |
| Memoranda: | ||
| Average total assets | $33,203,500 | 7,065 |
| Average earning assets | $31,227,500 | 7,008 |
| Average equity | $2,671,500 | 7,246 |
| Average total loans | $16,546,000 | 7,011 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 2,549 |
| Cost of funding earning assets | 0.9118% | 6,123 |
| Net interest margin | 4.5182% | 1,189 |
| Noninterest income to average assets | 1.2021% | 1,034 |
| Noninterest expense to average assets | 4.0225% | 1,129 |
| Loan and lease loss provision to assets | 0.3130% | 4,294 |
| Net operating income to assets | 1.0031% | 2,031 |
| Return on assets (ROA) | 1.1488% | 1,628 |
| Pretax return on assets | 1.1895% | 2,260 |
| Return on Equity (ROE) | 12.8555% | 1,124 |
| Retained earnings to average equity (ytd only) | 7.1108% | 1,273 |
| Net charge-offs to loans | 0.1607% | 5,378 |
| Credit loss provision to net charge-offs | 384.6154% | 643 |
| Earnings coverage of net charge-offs (x) | 16.6154% | 1,200 |
| Efficiency ratio | 74.8398% | 3,231 |
| Assets per employee ($millions) | 3.5582% | 4,806 |
| Cash dividends to net income (ytd only)* | 44.6866% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6410% | 3,425 |
| Loan loss allowance to noncurrent loans | 232.7731% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.5964% | 5,832 |
| Noncurrent loans to loans | 0.7050% | 5,639 |
| Net loans and leases to total assets | 51.8455% | 5,928 |
| Net loans and leases to deposits | 57.6213% | 6,291 |
| Net loans and leases to core deposits | 58.1439% | 6,549 |
| Total domestic deposits to total assets | 89.9763% | 1,119 |
| Equity capital to assets | 8.4562% | 5,916 |
| Core capital (leverage) ratio | 8.4196% | 5,501 |
| Tier 1 risk-based capital ratio | 13.7216% | 4,043 |
| Total risk-based capital ratio | 14.9753% | 4,019 |
| Memoranda: | ||
| Average total assets | $31,945,200 | 7,148 |
| Average earning assets | $29,503,200 | 7,105 |
| Average equity | $2,854,800 | 7,315 |
| Average total loans | $16,180,800 | 7,113 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3526% | 3,106 |
| Cost of funding earning assets | 0.9344% | 6,255 |
| Net interest margin | 4.4182% | 1,472 |
| Noninterest income to average assets | 0.9439% | 1,637 |
| Noninterest expense to average assets | 3.4997% | 2,035 |
| Loan and lease loss provision to assets | 0.2422% | 4,660 |
| Net operating income to assets | 1.2249% | 1,528 |
| Return on assets (ROA) | 1.3991% | 1,178 |
| Pretax return on assets | 1.4492% | 1,748 |
| Return on Equity (ROE) | 15.4473% | 785 |
| Retained earnings to average equity (ytd only) | 7.8848% | 1,459 |
| Net charge-offs to loans | -0.0167% | 7,331 |
| Credit loss provision to net charge-offs | -2,900.0000% | 7,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8333% | 4,100 |
| Assets per employee ($millions) | 3.6868% | 4,539 |
| Cash dividends to net income (ytd only)* | 48.9545% | 1,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6262% | 3,421 |
| Loan loss allowance to noncurrent loans | 73.4637% | 3,637 |
| Noncurrent assets plus other real estate owned to assets | 1.7751% | 3,779 |
| Noncurrent loans to loans | 2.2136% | 3,429 |
| Net loans and leases to total assets | 47.9491% | 6,524 |
| Net loans and leases to deposits | 55.0595% | 6,684 |
| Net loans and leases to core deposits | 55.5536% | 6,884 |
| Total domestic deposits to total assets | 87.0860% | 2,477 |
| Equity capital to assets | 9.5205% | 4,810 |
| Core capital (leverage) ratio | 8.3628% | 5,768 |
| Tier 1 risk-based capital ratio | 13.6364% | 4,092 |
| Total risk-based capital ratio | 14.8869% | 4,045 |
| Memoranda: | ||
| Average total assets | $31,925,500 | 7,229 |
| Average earning assets | $29,392,750 | 7,192 |
| Average equity | $2,891,500 | 7,400 |
| Average total loans | $16,006,000 | 7,211 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3604% | 3,156 |
| Cost of funding earning assets | 0.9671% | 6,302 |
| Net interest margin | 4.3933% | 1,466 |
| Noninterest income to average assets | 0.9395% | 1,544 |
| Noninterest expense to average assets | 3.5802% | 1,831 |
| Loan and lease loss provision to assets | 0.3110% | 3,890 |
| Net operating income to assets | 1.0554% | 1,997 |
| Return on assets (ROA) | 1.1109% | 1,886 |
| Pretax return on assets | 1.1426% | 2,618 |
| Return on Equity (ROE) | 12.4896% | 1,352 |
| Retained earnings to average equity (ytd only) | 7.9220% | 1,470 |
| Net charge-offs to loans | -0.0376% | 7,403 |
| Credit loss provision to net charge-offs | -1,633.3333% | 6,956 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9388% | 3,823 |
| Assets per employee ($millions) | 3.6330% | 4,627 |
| Cash dividends to net income (ytd only)* | 36.5714% | 2,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5930% | 3,478 |
| Loan loss allowance to noncurrent loans | 96.5909% | 2,848 |
| Noncurrent assets plus other real estate owned to assets | 1.5139% | 4,184 |
| Noncurrent loans to loans | 1.6492% | 4,234 |
| Net loans and leases to total assets | 48.1787% | 6,615 |
| Net loans and leases to deposits | 53.1532% | 6,916 |
| Net loans and leases to core deposits | 54.1173% | 7,028 |
| Total domestic deposits to total assets | 90.6413% | 623 |
| Equity capital to assets | 8.9947% | 5,456 |
| Core capital (leverage) ratio | 8.3858% | 5,601 |
| Tier 1 risk-based capital ratio | 15.3215% | 2,993 |
| Total risk-based capital ratio | 16.5698% | 2,957 |
| Memoranda: | ||
| Average total assets | $31,507,000 | 7,298 |
| Average earning assets | $28,953,000 | 7,262 |
| Average equity | $2,802,330 | 7,473 |
| Average total loans | $15,950,330 | 7,262 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4076% | 2,999 |
| Cost of funding earning assets | 0.9935% | 6,406 |
| Net interest margin | 4.4141% | 1,357 |
| Noninterest income to average assets | 0.8929% | 1,654 |
| Noninterest expense to average assets | 3.4550% | 2,090 |
| Loan and lease loss provision to assets | 0.0906% | 5,727 |
| Net operating income to assets | 1.3348% | 1,213 |
| Return on assets (ROA) | 1.3975% | 1,151 |
| Pretax return on assets | 1.4363% | 1,676 |
| Return on Equity (ROE) | 15.8068% | 747 |
| Retained earnings to average equity (ytd only) | 6.4398% | 2,381 |
| Net charge-offs to loans | -0.0754% | 7,462 |
| Credit loss provision to net charge-offs | -233.3333% | 6,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2632% | 4,251 |
| Assets per employee ($millions) | 3.1692% | 5,836 |
| Cash dividends to net income (ytd only)* | 59.2593% | 1,264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 4,898 |
| Loan loss allowance to noncurrent loans | 84.1897% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.5430% | 4,185 |
| Noncurrent loans to loans | 1.5519% | 4,417 |
| Net loans and leases to total assets | 50.7699% | 6,395 |
| Net loans and leases to deposits | 55.8177% | 6,789 |
| Net loans and leases to core deposits | 56.8551% | 6,945 |
| Total domestic deposits to total assets | 90.9567% | 567 |
| Equity capital to assets | 8.6615% | 5,790 |
| Core capital (leverage) ratio | 8.2765% | 5,784 |
| Tier 1 risk-based capital ratio | 14.2997% | 3,490 |
| Total risk-based capital ratio | 15.4618% | 3,502 |
| Memoranda: | ||
| Average total assets | $30,912,000 | 7,410 |
| Average earning assets | $28,182,500 | 7,388 |
| Average equity | $2,733,000 | 7,574 |
| Average total loans | $15,921,500 | 7,354 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1967% | 1,247 |
| Cost of funding earning assets | 1.2142% | 6,612 |
| Net interest margin | 4.9825% | 468 |
| Noninterest income to average assets | 0.7082% | 2,912 |
| Noninterest expense to average assets | 3.8867% | 1,525 |
| Loan and lease loss provision to assets | 0.6506% | 3,200 |
| Net operating income to assets | 0.7033% | 2,917 |
| Return on assets (ROA) | 0.8302% | 2,499 |
| Pretax return on assets | 0.8641% | 3,035 |
| Return on Equity (ROE) | 9.5524% | 1,839 |
| Retained earnings to average equity (ytd only) | 5.9654% | 1,362 |
| Net charge-offs to loans | 1.4882% | 1,683 |
| Credit loss provision to net charge-offs | 83.8428% | 6,193 |
| Earnings coverage of net charge-offs (x) | 1.7817% | 4,386 |
| Efficiency ratio | 73.7621% | 3,949 |
| Assets per employee ($millions) | 3.0132% | 6,194 |
| Cash dividends to net income (ytd only)* | 37.5510% | 3,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3063% | 4,717 |
| Loan loss allowance to noncurrent loans | 285.9155% | 1,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0189% | 5,071 |
| Noncurrent loans to loans | 0.4569% | 6,352 |
| Net loans and leases to total assets | 50.8994% | 6,540 |
| Net loans and leases to deposits | 57.1466% | 6,841 |
| Net loans and leases to core deposits | 63.5230% | 7,118 |
| Total domestic deposits to total assets | 89.0681% | 1,453 |
| Equity capital to assets | 9.0303% | 5,095 |
| Core capital (leverage) ratio | 8.4183% | 5,410 |
| Tier 1 risk-based capital ratio | 15.1820% | 2,853 |
| Total risk-based capital ratio | 16.3780% | 2,833 |
| Memoranda: | ||
| Average total assets | $29,510,800 | 7,488 |
| Average earning assets | $27,014,400 | 7,461 |
| Average equity | $2,564,800 | 7,712 |
| Average total loans | $15,388,000 | 7,428 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2588% | 1,213 |
| Cost of funding earning assets | 1.2636% | 6,676 |
| Net interest margin | 4.9951% | 445 |
| Noninterest income to average assets | 0.6904% | 3,086 |
| Noninterest expense to average assets | 3.7289% | 1,752 |
| Loan and lease loss provision to assets | 0.6586% | 2,770 |
| Net operating income to assets | 0.8468% | 2,629 |
| Return on assets (ROA) | 1.0038% | 2,101 |
| Pretax return on assets | 1.0446% | 2,757 |
| Return on Equity (ROE) | 11.6662% | 1,449 |
| Retained earnings to average equity (ytd only) | 6.8099% | 1,584 |
| Net charge-offs to loans | 1.1726% | 1,730 |
| Credit loss provision to net charge-offs | 107.4074% | 4,732 |
| Earnings coverage of net charge-offs (x) | 2.5111% | 3,970 |
| Efficiency ratio | 70.7759% | 4,459 |
| Assets per employee ($millions) | 2.9831% | 6,204 |
| Cash dividends to net income (ytd only)* | 41.6276% | 2,368 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5911% | 3,028 |
| Loan loss allowance to noncurrent loans | 101.6260% | 2,733 |
| Noncurrent assets plus other real estate owned to assets | 1.7264% | 3,773 |
| Noncurrent loans to loans | 1.5657% | 4,288 |
| Net loans and leases to total assets | 51.8320% | 6,616 |
| Net loans and leases to deposits | 57.3878% | 7,002 |
| Net loans and leases to core deposits | 64.1710% | 7,243 |
| Total domestic deposits to total assets | 90.3188% | 656 |
| Equity capital to assets | 9.1817% | 5,197 |
| Core capital (leverage) ratio | 8.5786% | 5,333 |
| Tier 1 risk-based capital ratio | 14.3137% | 3,379 |
| Total risk-based capital ratio | 15.5416% | 3,337 |
| Memoranda: | ||
| Average total assets | $29,355,500 | 7,562 |
| Average earning assets | $26,905,500 | 7,531 |
| Average equity | $2,525,750 | 7,800 |
| Average total loans | $15,350,000 | 7,500 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3245% | 1,149 |
| Cost of funding earning assets | 1.3114% | 6,767 |
| Net interest margin | 5.0132% | 415 |
| Noninterest income to average assets | 0.6234% | 3,511 |
| Noninterest expense to average assets | 3.6922% | 1,857 |
| Loan and lease loss provision to assets | 0.9248% | 1,825 |
| Net operating income to assets | 0.5712% | 3,808 |
| Return on assets (ROA) | 0.6576% | 3,548 |
| Pretax return on assets | 0.6782% | 4,076 |
| Return on Equity (ROE) | 7.8218% | 2,845 |
| Retained earnings to average equity (ytd only) | 1.3036% | 4,611 |
| Net charge-offs to loans | 1.6941% | 1,117 |
| Credit loss provision to net charge-offs | 104.6512% | 4,392 |
| Earnings coverage of net charge-offs (x) | 1.7132% | 4,271 |
| Efficiency ratio | 70.9211% | 4,602 |
| Assets per employee ($millions) | 2.9789% | 6,191 |
| Cash dividends to net income (ytd only)* | 83.3333% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6351% | 2,594 |
| Loan loss allowance to noncurrent loans | 141.3793% | 2,089 |
| Noncurrent assets plus other real estate owned to assets | 1.5140% | 3,954 |
| Noncurrent loans to loans | 1.1565% | 4,902 |
| Net loans and leases to total assets | 49.6794% | 6,902 |
| Net loans and leases to deposits | 54.5726% | 7,241 |
| Net loans and leases to core deposits | 60.7438% | 7,427 |
| Total domestic deposits to total assets | 91.0336% | 443 |
| Equity capital to assets | 8.4897% | 6,060 |
| Core capital (leverage) ratio | 8.1579% | 6,060 |
| Tier 1 risk-based capital ratio | 13.9749% | 3,537 |
| Total risk-based capital ratio | 15.1886% | 3,491 |
| Memoranda: | ||
| Average total assets | $29,197,000 | 7,638 |
| Average earning assets | $26,689,670 | 7,610 |
| Average equity | $2,454,670 | 7,889 |
| Average total loans | $15,229,330 | 7,576 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2064% | 1,580 |
| Cost of funding earning assets | 1.3775% | 6,791 |
| Net interest margin | 4.8289% | 576 |
| Noninterest income to average assets | 0.8304% | 2,176 |
| Noninterest expense to average assets | 3.8338% | 1,410 |
| Loan and lease loss provision to assets | 1.7577% | 706 |
| Net operating income to assets | -0.3287% | 6,718 |
| Return on assets (ROA) | -0.2630% | 6,714 |
| Pretax return on assets | -0.2768% | 6,650 |
| Return on Equity (ROE) | -3.1437% | 6,793 |
| Retained earnings to average equity (ytd only) | -16.3806% | 7,507 |
| Net charge-offs to loans | 3.4722% | 353 |
| Credit loss provision to net charge-offs | 95.4887% | 3,884 |
| Earnings coverage of net charge-offs (x) | 0.7669% | 4,411 |
| Efficiency ratio | 73.0871% | 3,994 |
| Assets per employee ($millions) | 2.9254% | 6,356 |
| Cash dividends to net income (ytd only)* | -421.0526% | 8,222 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5818% | 2,590 |
| Loan loss allowance to noncurrent loans | 153.9474% | 2,112 |
| Noncurrent assets plus other real estate owned to assets | 1.8254% | 3,179 |
| Noncurrent loans to loans | 1.0275% | 4,936 |
| Net loans and leases to total assets | 49.7676% | 6,881 |
| Net loans and leases to deposits | 54.4954% | 7,251 |
| Net loans and leases to core deposits | 60.2234% | 7,444 |
| Total domestic deposits to total assets | 91.3243% | 316 |
| Equity capital to assets | 8.1664% | 6,576 |
| Core capital (leverage) ratio | 7.9224% | 6,581 |
| Tier 1 risk-based capital ratio | 13.9147% | 3,639 |
| Total risk-based capital ratio | 15.1535% | 3,572 |
| Memoranda: | ||
| Average total assets | $28,901,000 | 7,695 |
| Average earning assets | $26,424,500 | 7,664 |
| Average equity | $2,417,500 | 7,953 |
| Average total loans | $15,321,500 | 7,620 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6838% | 2,084 |
| Cost of funding earning assets | 1.8955% | 6,738 |
| Net interest margin | 4.7883% | 798 |
| Noninterest income to average assets | 0.8773% | 2,066 |
| Noninterest expense to average assets | 3.8866% | 1,586 |
| Loan and lease loss provision to assets | 0.3565% | 3,546 |
| Net operating income to assets | 0.9792% | 2,641 |
| Return on assets (ROA) | 0.9961% | 2,455 |
| Pretax return on assets | 1.0311% | 3,267 |
| Return on Equity (ROE) | 12.0071% | 1,594 |
| Retained earnings to average equity (ytd only) | 1.2218% | 4,494 |
| Net charge-offs to loans | 0.3708% | 2,987 |
| Credit loss provision to net charge-offs | 170.0000% | 3,013 |
| Earnings coverage of net charge-offs (x) | 6.5333% | 3,342 |
| Efficiency ratio | 73.9362% | 3,588 |
| Assets per employee ($millions) | 2.8548% | 6,428 |
| Cash dividends to net income (ytd only)* | 89.8246% | 1,303 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 2,609 |
| Loan loss allowance to noncurrent loans | 142.0118% | 2,583 |
| Noncurrent assets plus other real estate owned to assets | 1.6499% | 2,940 |
| Noncurrent loans to loans | 1.0662% | 4,439 |
| Net loans and leases to total assets | 54.6798% | 6,583 |
| Net loans and leases to deposits | 60.1820% | 7,074 |
| Net loans and leases to core deposits | 66.6724% | 7,339 |
| Total domestic deposits to total assets | 90.8575% | 369 |
| Equity capital to assets | 8.5680% | 5,983 |
| Core capital (leverage) ratio | 8.2086% | 6,152 |
| Tier 1 risk-based capital ratio | 14.5063% | 3,292 |
| Total risk-based capital ratio | 15.7570% | 3,213 |
| Memoranda: | ||
| Average total assets | $28,611,000 | 7,701 |
| Average earning assets | $26,167,800 | 7,686 |
| Average equity | $2,373,600 | 8,030 |
| Average total loans | $16,181,600 | 7,575 |