Home > Fidelity Management Trust Company > Performance and Condition Ratios
Fidelity Management Trust Company, Performance and Condition Ratios
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0152% | 6,727 |
| Cost of funding earning assets | 0.1820% | 6,148 |
| Net interest margin | -0.1668% | 6,728 |
| Noninterest income to average assets | 246.7474% | 2 |
| Noninterest expense to average assets | 168.9806% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 76.7507% | 2 |
| Return on assets (ROA) | 76.7507% | 2 |
| Pretax return on assets | 77.6503% | 2 |
| Return on Equity (ROE) | 123.4626% | 4 |
| Retained earnings to average equity (ytd only) | 123.4626% | 2 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5156% | 4,088 |
| Assets per employee ($millions) | 55.8660% | 25 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 6,738 |
| Equity capital to assets | 97.0877% | 2 |
| Core capital (leverage) ratio | 70.4366% | 33 |
| Tier 1 risk-based capital ratio | 99.9502% | 49 |
| Total risk-based capital ratio | 99.9502% | 49 |
| Memoranda: | ||
| Average total assets | $75,585,000 | 5,309 |
| Average earning assets | $52,755,500 | 5,767 |
| Average equity | $46,987,500 | 1,520 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0141% | 6,809 |
| Cost of funding earning assets | 0.1727% | 6,425 |
| Net interest margin | -0.1586% | 6,809 |
| Noninterest income to average assets | 168.1164% | 3 |
| Noninterest expense to average assets | 136.3555% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 31.2678% | 8 |
| Return on assets (ROA) | 31.2678% | 8 |
| Pretax return on assets | 31.6351% | 9 |
| Return on Equity (ROE) | 75.5379% | 7 |
| Retained earnings to average equity (ytd only) | 3.4791% | 3,753 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1685% | 1,994 |
| Assets per employee ($millions) | 95.3040% | 15 |
| Cash dividends to net income (ytd only)* | 95.3942% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 52.9883% | 6,746 |
| Equity capital to assets | 41.6939% | 46 |
| Core capital (leverage) ratio | 34.3651% | 56 |
| Tier 1 risk-based capital ratio | 42.4059% | 197 |
| Total risk-based capital ratio | 42.4059% | 208 |
| Memoranda: | ||
| Average total assets | $107,282,800 | 4,562 |
| Average earning assets | $85,102,800 | 4,906 |
| Average equity | $44,408,200 | 1,577 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0137% | 6,887 |
| Cost of funding earning assets | 0.1669% | 6,566 |
| Net interest margin | -0.1532% | 6,888 |
| Noninterest income to average assets | 165.2614% | 3 |
| Noninterest expense to average assets | 140.0045% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 24.8301% | 8 |
| Return on assets (ROA) | 24.8301% | 8 |
| Pretax return on assets | 25.1347% | 13 |
| Return on Equity (ROE) | 60.0795% | 11 |
| Retained earnings to average equity (ytd only) | 60.0795% | 5 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7797% | 1,503 |
| Assets per employee ($millions) | 120.1260% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 42.0392% | 6,837 |
| Equity capital to assets | 48.8887% | 42 |
| Core capital (leverage) ratio | 50.2968% | 39 |
| Tier 1 risk-based capital ratio | 48.8887% | 143 |
| Total risk-based capital ratio | 48.8887% | 151 |
| Memoranda: | ||
| Average total assets | $110,277,500 | 4,529 |
| Average earning assets | $87,882,000 | 4,876 |
| Average equity | $45,576,250 | 1,549 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0141% | 6,937 |
| Cost of funding earning assets | 0.1718% | 6,620 |
| Net interest margin | -0.1576% | 6,936 |
| Noninterest income to average assets | 171.8796% | 3 |
| Noninterest expense to average assets | 160.4529% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 11.1669% | 17 |
| Return on assets (ROA) | 11.1669% | 17 |
| Pretax return on assets | 11.3015% | 25 |
| Return on Equity (ROE) | 29.0054% | 78 |
| Retained earnings to average equity (ytd only) | 29.0054% | 36 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4200% | 790 |
| Assets per employee ($millions) | 113.2700% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 44.5837% | 6,883 |
| Equity capital to assets | 38.9909% | 42 |
| Core capital (leverage) ratio | 40.0452% | 40 |
| Tier 1 risk-based capital ratio | 38.9909% | 250 |
| Total risk-based capital ratio | 38.9909% | 268 |
| Memoranda: | ||
| Average total assets | $106,994,670 | 4,642 |
| Average earning assets | $85,003,330 | 4,982 |
| Average equity | $41,192,330 | 1,714 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0147% | 7,017 |
| Cost of funding earning assets | 0.1808% | 6,669 |
| Net interest margin | -0.1661% | 7,014 |
| Noninterest income to average assets | 171.5243% | 3 |
| Noninterest expense to average assets | 159.5810% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 11.6699% | 14 |
| Return on assets (ROA) | 11.6699% | 14 |
| Pretax return on assets | 11.8124% | 25 |
| Return on Equity (ROE) | 30.5244% | 72 |
| Retained earnings to average equity (ytd only) | 30.5244% | 44 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1080% | 902 |
| Assets per employee ($millions) | 106.1480% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 47.5751% | 6,955 |
| Equity capital to assets | 38.8335% | 44 |
| Core capital (leverage) ratio | 40.1291% | 42 |
| Tier 1 risk-based capital ratio | 38.8335% | 254 |
| Total risk-based capital ratio | 38.8335% | 272 |
| Memoranda: | ||
| Average total assets | $103,857,000 | 4,773 |
| Average earning assets | $81,861,000 | 5,091 |
| Average equity | $39,706,000 | 1,794 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0194% | 7,080 |
| Cost of funding earning assets | 0.1961% | 6,844 |
| Net interest margin | -0.1768% | 7,082 |
| Noninterest income to average assets | 178.0800% | 3 |
| Noninterest expense to average assets | 162.2608% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 15.5036% | 10 |
| Return on assets (ROA) | 15.5036% | 10 |
| Pretax return on assets | 15.6874% | 21 |
| Return on Equity (ROE) | 35.1291% | 40 |
| Retained earnings to average equity (ytd only) | -5.2016% | 6,440 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1843% | 973 |
| Assets per employee ($millions) | 101.5660% | 19 |
| Cash dividends to net income (ytd only)* | 114.8070% | 356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 49.7214% | 7,014 |
| Equity capital to assets | 37.6022% | 46 |
| Core capital (leverage) ratio | 33.8774% | 52 |
| Tier 1 risk-based capital ratio | 37.6022% | 281 |
| Total risk-based capital ratio | 37.6022% | 296 |
| Memoranda: | ||
| Average total assets | $103,937,000 | 4,734 |
| Average earning assets | $77,493,200 | 5,203 |
| Average equity | $45,870,800 | 1,516 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0173% | 7,180 |
| Cost of funding earning assets | 0.1973% | 6,955 |
| Net interest margin | -0.1800% | 7,180 |
| Noninterest income to average assets | 177.4187% | 3 |
| Noninterest expense to average assets | 160.3229% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 16.6826% | 10 |
| Return on assets (ROA) | 16.6826% | 10 |
| Pretax return on assets | 16.9632% | 16 |
| Return on Equity (ROE) | 36.4887% | 37 |
| Retained earnings to average equity (ytd only) | 36.4887% | 19 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4318% | 1,006 |
| Assets per employee ($millions) | 117.2110% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 43.0847% | 7,127 |
| Equity capital to assets | 45.7773% | 40 |
| Core capital (leverage) ratio | 49.0937% | 39 |
| Tier 1 risk-based capital ratio | 45.7773% | 172 |
| Total risk-based capital ratio | 45.7773% | 181 |
| Memoranda: | ||
| Average total assets | $104,529,750 | 4,760 |
| Average earning assets | $77,028,500 | 5,266 |
| Average equity | $47,790,750 | 1,477 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0194% | 7,243 |
| Cost of funding earning assets | 0.2106% | 7,009 |
| Net interest margin | -0.1912% | 7,243 |
| Noninterest income to average assets | 186.7747% | 3 |
| Noninterest expense to average assets | 165.8341% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 20.4661% | 9 |
| Return on assets (ROA) | 20.4661% | 9 |
| Pretax return on assets | 20.8030% | 11 |
| Return on Equity (ROE) | 44.7861% | 29 |
| Retained earnings to average equity (ytd only) | 44.7861% | 18 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8538% | 1,162 |
| Assets per employee ($millions) | 105.0470% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 48.0737% | 7,185 |
| Equity capital to assets | 48.3983% | 37 |
| Core capital (leverage) ratio | 49.3353% | 36 |
| Tier 1 risk-based capital ratio | 48.3983% | 141 |
| Total risk-based capital ratio | 48.3983% | 147 |
| Memoranda: | ||
| Average total assets | $100,302,670 | 4,893 |
| Average earning assets | $72,190,000 | 5,452 |
| Average equity | $45,835,670 | 1,521 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0172% | 7,305 |
| Cost of funding earning assets | 0.2174% | 7,074 |
| Net interest margin | -0.2002% | 7,306 |
| Noninterest income to average assets | 191.0947% | 3 |
| Noninterest expense to average assets | 168.0130% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 22.5139% | 7 |
| Return on assets (ROA) | 22.5139% | 7 |
| Pretax return on assets | 22.9387% | 10 |
| Return on Equity (ROE) | 50.8804% | 31 |
| Retained earnings to average equity (ytd only) | 50.8804% | 21 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9872% | 1,283 |
| Assets per employee ($millions) | 100.5210% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 50.2383% | 7,241 |
| Equity capital to assets | 45.8501% | 34 |
| Core capital (leverage) ratio | 47.2567% | 34 |
| Tier 1 risk-based capital ratio | 45.8501% | 158 |
| Total risk-based capital ratio | 45.8501% | 165 |
| Memoranda: | ||
| Average total assets | $97,930,500 | 4,986 |
| Average earning assets | $69,919,000 | 5,569 |
| Average equity | $43,333,000 | 1,612 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0126% | 7,356 |
| Cost of funding earning assets | 0.4020% | 6,883 |
| Net interest margin | -0.3894% | 7,356 |
| Noninterest income to average assets | 186.5574% | 3 |
| Noninterest expense to average assets | 175.5038% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 10.5444% | 15 |
| Return on assets (ROA) | 10.5444% | 16 |
| Pretax return on assets | 10.7740% | 24 |
| Return on Equity (ROE) | 24.3442% | 126 |
| Retained earnings to average equity (ytd only) | 3.2860% | 3,886 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2162% | 906 |
| Assets per employee ($millions) | 95.3400% | 21 |
| Cash dividends to net income (ytd only)* | 86.5019% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 52.9683% | 7,274 |
| Equity capital to assets | 42.5603% | 38 |
| Core capital (leverage) ratio | 39.8443% | 42 |
| Tier 1 risk-based capital ratio | 42.5603% | 191 |
| Total risk-based capital ratio | 42.5603% | 208 |
| Memoranda: | ||
| Average total assets | $99,768,200 | 4,895 |
| Average earning assets | $71,650,600 | 5,479 |
| Average equity | $43,213,600 | 1,562 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0110% | 7,435 |
| Cost of funding earning assets | 0.3974% | 7,025 |
| Net interest margin | -0.3863% | 7,435 |
| Noninterest income to average assets | 186.0892% | 4 |
| Noninterest expense to average assets | 173.5301% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 12.0383% | 13 |
| Return on assets (ROA) | 12.0383% | 13 |
| Pretax return on assets | 12.2815% | 22 |
| Return on Equity (ROE) | 27.6794% | 83 |
| Retained earnings to average equity (ytd only) | 27.6794% | 28 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3903% | 948 |
| Assets per employee ($millions) | 105.7760% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 47.7424% | 7,364 |
| Equity capital to assets | 45.6294% | 46 |
| Core capital (leverage) ratio | 46.4658% | 44 |
| Tier 1 risk-based capital ratio | 45.6294% | 173 |
| Total risk-based capital ratio | 45.6294% | 185 |
| Memoranda: | ||
| Average total assets | $100,875,250 | 4,901 |
| Average earning assets | $72,471,000 | 5,500 |
| Average equity | $43,872,750 | 1,546 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0084% | 7,509 |
| Cost of funding earning assets | 0.4007% | 7,124 |
| Net interest margin | -0.3923% | 7,511 |
| Noninterest income to average assets | 190.6578% | 4 |
| Noninterest expense to average assets | 176.5750% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 13.5286% | 11 |
| Return on assets (ROA) | 13.5286% | 11 |
| Pretax return on assets | 13.8007% | 24 |
| Return on Equity (ROE) | 31.6586% | 60 |
| Retained earnings to average equity (ytd only) | 31.6586% | 35 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7508% | 1,050 |
| Assets per employee ($millions) | 103.4650% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 48.8088% | 7,436 |
| Equity capital to assets | 44.3348% | 51 |
| Core capital (leverage) ratio | 44.9064% | 49 |
| Tier 1 risk-based capital ratio | 44.3348% | 185 |
| Total risk-based capital ratio | 44.3348% | 198 |
| Memoranda: | ||
| Average total assets | $99,241,670 | 4,981 |
| Average earning assets | $71,378,670 | 5,576 |
| Average equity | $42,408,670 | 1,579 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0115% | 7,573 |
| Cost of funding earning assets | 0.4077% | 7,210 |
| Net interest margin | -0.3962% | 7,570 |
| Noninterest income to average assets | 198.4804% | 4 |
| Noninterest expense to average assets | 185.4216% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 12.5234% | 12 |
| Return on assets (ROA) | 12.5234% | 12 |
| Pretax return on assets | 12.7746% | 26 |
| Return on Equity (ROE) | 29.9035% | 81 |
| Retained earnings to average equity (ytd only) | 29.9035% | 57 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5546% | 1,062 |
| Assets per employee ($millions) | 100.6980% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 50.1500% | 7,485 |
| Equity capital to assets | 41.9055% | 52 |
| Core capital (leverage) ratio | 44.0154% | 48 |
| Tier 1 risk-based capital ratio | 41.9055% | 210 |
| Total risk-based capital ratio | 41.9055% | 220 |
| Memoranda: | ||
| Average total assets | $97,130,000 | 5,079 |
| Average earning assets | $69,665,500 | 5,684 |
| Average equity | $40,677,500 | 1,639 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0768% | 7,652 |
| Cost of funding earning assets | 2.6593% | 64 |
| Net interest margin | -2.5825% | 7,656 |
| Noninterest income to average assets | 190.6581% | 5 |
| Noninterest expense to average assets | 178.5601% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 9.8991% | 18 |
| Return on assets (ROA) | 9.8991% | 18 |
| Pretax return on assets | 10.5914% | 20 |
| Return on Equity (ROE) | 25.8179% | 90 |
| Retained earnings to average equity (ytd only) | 10.9495% | 385 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4006% | 1,044 |
| Assets per employee ($millions) | 93.5620% | 22 |
| Cash dividends to net income (ytd only)* | 57.5895% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 53.9749% | 7,550 |
| Equity capital to assets | 41.8514% | 53 |
| Core capital (leverage) ratio | 40.0452% | 56 |
| Tier 1 risk-based capital ratio | 41.8514% | 218 |
| Total risk-based capital ratio | 41.8514% | 228 |
| Memoranda: | ||
| Average total assets | $98,230,800 | 5,042 |
| Average earning assets | $57,309,200 | 6,085 |
| Average equity | $37,663,800 | 1,752 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0901% | 7,759 |
| Cost of funding earning assets | 2.7725% | 54 |
| Net interest margin | -2.6825% | 7,759 |
| Noninterest income to average assets | 191.1178% | 5 |
| Noninterest expense to average assets | 181.7952% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 7.3776% | 23 |
| Return on assets (ROA) | 7.3776% | 23 |
| Pretax return on assets | 7.8444% | 26 |
| Return on Equity (ROE) | 19.6649% | 327 |
| Retained earnings to average equity (ytd only) | 19.6649% | 87 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8635% | 907 |
| Assets per employee ($millions) | 97.7260% | 22 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 51.6751% | 7,659 |
| Equity capital to assets | 41.4762% | 56 |
| Core capital (leverage) ratio | 41.8008% | 52 |
| Tier 1 risk-based capital ratio | 41.3350% | 226 |
| Total risk-based capital ratio | 41.3350% | 239 |
| Memoranda: | ||
| Average total assets | $99,398,000 | 5,072 |
| Average earning assets | $54,774,500 | 6,249 |
| Average equity | $37,290,500 | 1,787 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1376% | 7,827 |
| Cost of funding earning assets | 3.0425% | 34 |
| Net interest margin | -2.9049% | 7,828 |
| Noninterest income to average assets | 189.7027% | 5 |
| Noninterest expense to average assets | 182.4655% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 5.3824% | 30 |
| Return on assets (ROA) | 5.3824% | 29 |
| Pretax return on assets | 5.8006% | 42 |
| Return on Equity (ROE) | 14.8579% | 882 |
| Retained earnings to average equity (ytd only) | 14.8579% | 252 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9189% | 919 |
| Assets per employee ($millions) | 95.3140% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 52.9828% | 7,725 |
| Equity capital to assets | 39.5776% | 58 |
| Core capital (leverage) ratio | 38.6732% | 56 |
| Tier 1 risk-based capital ratio | 104.9678% | 51 |
| Total risk-based capital ratio | 104.9678% | 51 |
| Memoranda: | ||
| Average total assets | $99,955,330 | 5,076 |
| Average earning assets | $49,433,670 | 6,493 |
| Average equity | $36,209,670 | 1,844 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1125% | 7,931 |
| Cost of funding earning assets | 2.0973% | 817 |
| Net interest margin | -1.9849% | 7,932 |
| Noninterest income to average assets | 188.9280% | 5 |
| Noninterest expense to average assets | 183.8046% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.2422% | 76 |
| Return on assets (ROA) | 3.2422% | 82 |
| Pretax return on assets | 3.7428% | 89 |
| Return on Equity (ROE) | 9.3532% | 2,356 |
| Retained earnings to average equity (ytd only) | 9.3532% | 1,304 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0043% | 924 |
| Assets per employee ($millions) | 99.0500% | 23 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 50.9844% | 7,832 |
| Equity capital to assets | 36.2060% | 63 |
| Core capital (leverage) ratio | 33.6495% | 69 |
| Tier 1 risk-based capital ratio | 72.7171% | 76 |
| Total risk-based capital ratio | 72.7171% | 76 |
| Memoranda: | ||
| Average total assets | $102,276,000 | 5,082 |
| Average earning assets | $71,137,500 | 5,810 |
| Average equity | $35,453,000 | 1,900 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1821% | 8,005 |
| Cost of funding earning assets | 2.0018% | 2,958 |
| Net interest margin | -1.8197% | 8,011 |
| Noninterest income to average assets | 185.2471% | 5 |
| Noninterest expense to average assets | 173.5362% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 8.7359% | 17 |
| Return on assets (ROA) | 8.7359% | 17 |
| Pretax return on assets | 10.4201% | 20 |
| Return on Equity (ROE) | 22.8614% | 137 |
| Retained earnings to average equity (ytd only) | 0.8239% | 4,442 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3356% | 1,394 |
| Assets per employee ($millions) | 105.5020% | 27 |
| Cash dividends to net income (ytd only)* | 96.3961% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 47.8664% | 7,919 |
| Equity capital to assets | 33.2164% | 87 |
| Core capital (leverage) ratio | 30.4426% | 98 |
| Tier 1 risk-based capital ratio | 67.4644% | 93 |
| Total risk-based capital ratio | 67.4644% | 94 |
| Memoranda: | ||
| Average total assets | $104,500,400 | 4,972 |
| Average earning assets | $74,134,400 | 5,672 |
| Average equity | $39,932,000 | 1,675 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2013% | 8,091 |
| Cost of funding earning assets | 1.9877% | 3,428 |
| Net interest margin | -1.7864% | 8,099 |
| Noninterest income to average assets | 181.9875% | 5 |
| Noninterest expense to average assets | 168.6826% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 11.3737% | 14 |
| Return on assets (ROA) | 11.3737% | 14 |
| Pretax return on assets | 12.0336% | 19 |
| Return on Equity (ROE) | 28.8114% | 70 |
| Retained earnings to average equity (ytd only) | 28.8114% | 22 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3412% | 1,443 |
| Assets per employee ($millions) | 56.0645% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 45.0374% | 8,003 |
| Equity capital to assets | 38.8900% | 76 |
| Core capital (leverage) ratio | 38.3120% | 80 |
| Tier 1 risk-based capital ratio | 79.6919% | 74 |
| Total risk-based capital ratio | 79.6919% | 75 |
| Memoranda: | ||
| Average total assets | $104,250,000 | 5,008 |
| Average earning assets | $74,188,750 | 5,713 |
| Average equity | $41,154,000 | 1,646 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2254% | 8,185 |
| Cost of funding earning assets | 2.0089% | 3,732 |
| Net interest margin | -1.7836% | 8,192 |
| Noninterest income to average assets | 183.7328% | 5 |
| Noninterest expense to average assets | 157.8923% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 21.9831% | 8 |
| Return on assets (ROA) | 21.9831% | 8 |
| Pretax return on assets | 24.5632% | 9 |
| Return on Equity (ROE) | 55.3843% | 15 |
| Retained earnings to average equity (ytd only) | 55.3843% | 9 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5374% | 2,176 |
| Assets per employee ($millions) | 56.3475% | 33 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 44.8112% | 8,083 |
| Equity capital to assets | 40.7152% | 83 |
| Core capital (leverage) ratio | 44.0495% | 76 |
| Tier 1 risk-based capital ratio | 86.3951% | 76 |
| Total risk-based capital ratio | 86.3951% | 76 |
| Memoranda: | ||
| Average total assets | $101,623,670 | 5,118 |
| Average earning assets | $72,775,670 | 5,798 |
| Average equity | $40,336,330 | 1,682 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2980% | 8,233 |
| Cost of funding earning assets | 2.1151% | 3,581 |
| Net interest margin | -1.8171% | 8,245 |
| Noninterest income to average assets | 193.6600% | 4 |
| Noninterest expense to average assets | 167.5589% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 23.7158% | 8 |
| Return on assets (ROA) | 23.7158% | 8 |
| Pretax return on assets | 24.8064% | 10 |
| Return on Equity (ROE) | 60.6669% | 16 |
| Retained earnings to average equity (ytd only) | 60.6669% | 12 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1045% | 1,966 |
| Assets per employee ($millions) | 49.8420% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 50.6601% | 8,096 |
| Equity capital to assets | 40.5391% | 92 |
| Core capital (leverage) ratio | 40.9938% | 94 |
| Tier 1 risk-based capital ratio | 85.9406% | 76 |
| Total risk-based capital ratio | 85.9406% | 78 |
| Memoranda: | ||
| Average total assets | $96,088,000 | 5,303 |
| Average earning assets | $68,460,000 | 5,966 |
| Average equity | $37,562,500 | 1,814 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1709% | 8,209 |
| Cost of funding earning assets | 1.6288% | 7,387 |
| Net interest margin | 0.5421% | 8,259 |
| Noninterest income to average assets | 131.0735% | 12 |
| Noninterest expense to average assets | 121.4746% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 8.3719% | 23 |
| Return on assets (ROA) | 8.3719% | 24 |
| Pretax return on assets | 10.0402% | 28 |
| Return on Equity (ROE) | 13.5761% | 1,194 |
| Retained earnings to average equity (ytd only) | -73.8873% | 8,230 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3657% | 1,361 |
| Assets per employee ($millions) | 23.1230% | 67 |
| Cash dividends to net income (ytd only)* | 644.2443% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 54.5993% | 8,079 |
| Equity capital to assets | 37.5319% | 112 |
| Core capital (leverage) ratio | 24.8413% | 266 |
| Tier 1 risk-based capital ratio | 65.1357% | 137 |
| Total risk-based capital ratio | 65.1357% | 139 |
| Memoranda: | ||
| Average total assets | $145,893,000 | 3,977 |
| Average earning assets | $118,800,800 | 4,294 |
| Average equity | $89,966,800 | 740 |
| Average total loans | NA | NA |