Home > Fiduciary Trust Company International > Performance and Condition Ratios
Fiduciary Trust Company International, Performance and Condition Ratios
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8063% | 6,277 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 1.8063% | 6,245 |
| Noninterest income to average assets | 68.7025% | 20 |
| Noninterest expense to average assets | 56.2743% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 7.1256% | 33 |
| Return on assets (ROA) | 7.1256% | 33 |
| Pretax return on assets | 12.4385% | 25 |
| Return on Equity (ROE) | 8.2865% | 2,892 |
| Retained earnings to average equity (ytd only) | 8.2865% | 1,150 |
| 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 | 77.6920% | 2,110 |
| Assets per employee ($millions) | 0.9425% | 6,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| 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% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 0.0101% | 6,356 |
| Equity capital to assets | 85.9858% | 18 |
| Core capital (leverage) ratio | 85.3563% | 19 |
| Tier 1 risk-based capital ratio | 213.6815% | 24 |
| Total risk-based capital ratio | 213.6815% | 24 |
| Memoranda: | ||
| Average total assets | $233,357,000 | 2,673 |
| Average earning assets | $1,328,670 | 6,346 |
| Average equity | $200,663,670 | 419 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8554% | 6,349 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 1.8554% | 6,308 |
| Noninterest income to average assets | 69.8732% | 20 |
| Noninterest expense to average assets | 57.1405% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 7.3152% | 31 |
| Return on assets (ROA) | 7.3152% | 32 |
| Pretax return on assets | 12.7431% | 26 |
| Return on Equity (ROE) | 8.5068% | 2,693 |
| Retained earnings to average equity (ytd only) | 8.5068% | 1,373 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5841% | 2,250 |
| Assets per employee ($millions) | 0.9562% | 6,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| 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% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 0.0121% | 6,428 |
| Equity capital to assets | 86.7379% | 18 |
| Core capital (leverage) ratio | 85.7454% | 18 |
| Tier 1 risk-based capital ratio | 208.1862% | 30 |
| Total risk-based capital ratio | 208.1862% | 30 |
| Memoranda: | ||
| Average total assets | $230,806,500 | 2,715 |
| Average earning assets | $1,293,500 | 6,417 |
| Average equity | $198,475,500 | 422 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6181% | 6,485 |
| Cost of funding earning assets | 0.0239% | 6,464 |
| Net interest margin | 0.5942% | 6,485 |
| Noninterest income to average assets | 24.6553% | 32 |
| Noninterest expense to average assets | 20.3134% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.4679% | 155 |
| Return on assets (ROA) | 2.6279% | 126 |
| Pretax return on assets | 5.0029% | 53 |
| Return on Equity (ROE) | 8.4201% | 2,895 |
| Retained earnings to average equity (ytd only) | 8.4201% | 861 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8044% | 2,390 |
| Assets per employee ($millions) | 0.9321% | 6,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| 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% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 0.2385% | 6,515 |
| Equity capital to assets | 85.2426% | 19 |
| Core capital (leverage) ratio | 81.3481% | 23 |
| Tier 1 risk-based capital ratio | 223.6169% | 24 |
| Total risk-based capital ratio | 223.6169% | 24 |
| Memoranda: | ||
| Average total assets | $635,369,200 | 1,051 |
| Average earning assets | $439,403,200 | 1,396 |
| Average equity | $198,299,800 | 406 |
| Average total loans | $83,363,000 | 3,787 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6582% | 6,566 |
| Cost of funding earning assets | 0.0257% | 6,543 |
| Net interest margin | 0.6325% | 6,566 |
| Noninterest income to average assets | 21.6799% | 36 |
| Noninterest expense to average assets | 17.8861% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.1833% | 247 |
| Return on assets (ROA) | 2.3674% | 177 |
| Pretax return on assets | 4.5527% | 67 |
| Return on Equity (ROE) | 8.7718% | 2,803 |
| Retained earnings to average equity (ytd only) | 8.7718% | 1,071 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6127% | 2,396 |
| Assets per employee ($millions) | 0.9589% | 6,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| 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% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 0.3644% | 6,595 |
| Equity capital to assets | 81.9544% | 25 |
| Core capital (leverage) ratio | 49.4865% | 42 |
| Tier 1 risk-based capital ratio | 217.2565% | 23 |
| Total risk-based capital ratio | 217.2565% | 23 |
| Memoranda: | ||
| Average total assets | $736,657,250 | 924 |
| Average earning assets | $548,930,750 | 1,108 |
| Average equity | $198,814,000 | 404 |
| Average total loans | $104,203,750 | 3,365 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7205% | 6,628 |
| Cost of funding earning assets | 0.0265% | 6,609 |
| Net interest margin | 0.6939% | 6,627 |
| Noninterest income to average assets | 17.5918% | 44 |
| Noninterest expense to average assets | 14.9667% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.6278% | 664 |
| Return on assets (ROA) | 1.8529% | 456 |
| Pretax return on assets | 3.5382% | 87 |
| Return on Equity (ROE) | 8.3362% | 2,917 |
| Retained earnings to average equity (ytd only) | 8.3362% | 1,194 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3360% | 2,253 |
| Assets per employee ($millions) | 3.5823% | 4,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 0.1314% | 6,620 |
| Net loans and leases to deposits | 0.1770% | 6,621 |
| Net loans and leases to core deposits | 0.1770% | 6,608 |
| Total domestic deposits to total assets | 74.2309% | 6,093 |
| Equity capital to assets | 20.9852% | 175 |
| Core capital (leverage) ratio | 17.5970% | 319 |
| Tier 1 risk-based capital ratio | 162.8217% | 32 |
| Total risk-based capital ratio | 162.8217% | 32 |
| Memoranda: | ||
| Average total assets | $903,899,000 | 742 |
| Average earning assets | $731,476,670 | 844 |
| Average equity | $200,906,330 | 398 |
| Average total loans | $138,938,330 | 2,749 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9475% | 6,702 |
| Cost of funding earning assets | 0.0250% | 6,682 |
| Net interest margin | 0.9225% | 6,696 |
| Noninterest income to average assets | 17.2966% | 45 |
| Noninterest expense to average assets | 14.5889% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.6827% | 590 |
| Return on assets (ROA) | 1.6827% | 609 |
| Pretax return on assets | 3.4865% | 104 |
| Return on Equity (ROE) | 7.3677% | 3,276 |
| Retained earnings to average equity (ytd only) | 7.3677% | 1,870 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6023% | 2,714 |
| Assets per employee ($millions) | 3.7413% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,673 |
| 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 | 0.0000% | 6,210 |
| Net loans and leases to total assets | 24.4414% | 6,501 |
| Net loans and leases to deposits | 32.5566% | 6,415 |
| Net loans and leases to core deposits | 32.5566% | 6,447 |
| Total domestic deposits to total assets | 75.0737% | 6,150 |
| Equity capital to assets | 20.5274% | 194 |
| Core capital (leverage) ratio | 16.5403% | 415 |
| Tier 1 risk-based capital ratio | 46.9011% | 156 |
| Total risk-based capital ratio | 46.9011% | 165 |
| Memoranda: | ||
| Average total assets | $908,062,000 | 746 |
| Average earning assets | $766,631,500 | 808 |
| Average equity | $207,390,500 | 387 |
| Average total loans | $207,819,000 | 1,989 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9503% | 6,778 |
| Cost of funding earning assets | 0.0258% | 6,767 |
| Net interest margin | 0.9245% | 6,765 |
| Noninterest income to average assets | 14.1846% | 50 |
| Noninterest expense to average assets | 13.5333% | 55 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9062% | 2,745 |
| Return on assets (ROA) | 0.9062% | 2,834 |
| Pretax return on assets | 1.4411% | 1,649 |
| Return on Equity (ROE) | 3.7825% | 5,203 |
| Retained earnings to average equity (ytd only) | 3.7825% | 3,508 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5785% | 1,458 |
| Assets per employee ($millions) | 3.7787% | 4,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,750 |
| 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 | 0.0000% | 6,319 |
| Net loans and leases to total assets | 21.3650% | 6,647 |
| Net loans and leases to deposits | 29.9798% | 6,582 |
| Net loans and leases to core deposits | 29.9798% | 6,599 |
| Total domestic deposits to total assets | 71.2647% | 6,461 |
| Equity capital to assets | 25.0991% | 92 |
| Core capital (leverage) ratio | 22.8828% | 118 |
| Tier 1 risk-based capital ratio | 57.0293% | 100 |
| Total risk-based capital ratio | 57.0293% | 103 |
| Memoranda: | ||
| Average total assets | $938,676,800 | 707 |
| Average earning assets | $801,828,200 | 752 |
| Average equity | $224,878,600 | 343 |
| Average total loans | $203,312,000 | 1,980 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9444% | 6,861 |
| Cost of funding earning assets | 0.0258% | 6,849 |
| Net interest margin | 0.9186% | 6,849 |
| Noninterest income to average assets | 13.9701% | 53 |
| Noninterest expense to average assets | 13.3450% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.8842% | 2,915 |
| Return on assets (ROA) | 0.8842% | 3,028 |
| Pretax return on assets | 1.4196% | 1,872 |
| Return on Equity (ROE) | 3.7341% | 5,343 |
| Retained earnings to average equity (ytd only) | 3.7341% | 4,036 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5453% | 1,409 |
| Assets per employee ($millions) | 3.3955% | 5,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,390 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 6,538 |
| Noncurrent loans to loans | 0.0035% | 6,383 |
| Net loans and leases to total assets | 27.1162% | 6,625 |
| Net loans and leases to deposits | 39.9537% | 6,383 |
| Net loans and leases to core deposits | 39.9537% | 6,451 |
| Total domestic deposits to total assets | 67.8691% | 6,665 |
| Equity capital to assets | 27.3264% | 70 |
| Core capital (leverage) ratio | 19.9765% | 206 |
| Tier 1 risk-based capital ratio | 56.2941% | 105 |
| Total risk-based capital ratio | 56.2941% | 109 |
| Memoranda: | ||
| Average total assets | $943,791,500 | 703 |
| Average earning assets | $816,264,750 | 736 |
| Average equity | $223,482,250 | 340 |
| Average total loans | $205,095,750 | 1,976 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9042% | 6,911 |
| Cost of funding earning assets | 0.0270% | 6,899 |
| Net interest margin | 0.8772% | 6,902 |
| Noninterest income to average assets | 13.3253% | 55 |
| Noninterest expense to average assets | 12.7763% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7351% | 3,635 |
| Return on assets (ROA) | 0.7351% | 3,795 |
| Pretax return on assets | 1.3109% | 2,261 |
| Return on Equity (ROE) | 3.2466% | 5,523 |
| Retained earnings to average equity (ytd only) | 3.2466% | 4,239 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8093% | 1,433 |
| Assets per employee ($millions) | 3.8576% | 4,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,881 |
| 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 | 0.0000% | 6,469 |
| Net loans and leases to total assets | 21.2082% | 6,777 |
| Net loans and leases to deposits | 29.4281% | 6,710 |
| Net loans and leases to core deposits | 29.4281% | 6,728 |
| Total domestic deposits to total assets | 72.0678% | 6,560 |
| Equity capital to assets | 23.6614% | 105 |
| Core capital (leverage) ratio | 20.5859% | 163 |
| Tier 1 risk-based capital ratio | 63.5178% | 81 |
| Total risk-based capital ratio | 63.5178% | 82 |
| Memoranda: | ||
| Average total assets | $979,956,000 | 670 |
| Average earning assets | $851,117,670 | 701 |
| Average equity | $221,890,670 | 344 |
| Average total loans | $197,960,670 | 2,023 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8981% | 6,990 |
| Cost of funding earning assets | 0.0272% | 6,978 |
| Net interest margin | 0.8710% | 6,980 |
| Noninterest income to average assets | 12.4631% | 58 |
| Noninterest expense to average assets | 13.0068% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3279% | 5,453 |
| Return on assets (ROA) | 0.3279% | 5,588 |
| Pretax return on assets | 0.2037% | 6,072 |
| Return on Equity (ROE) | 1.4798% | 6,095 |
| Retained earnings to average equity (ytd only) | 1.4798% | 5,249 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3295% | 889 |
| Assets per employee ($millions) | 3.7587% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 20.1322% | 6,855 |
| Net loans and leases to deposits | 28.3454% | 6,778 |
| Net loans and leases to core deposits | 28.3454% | 6,792 |
| Total domestic deposits to total assets | 71.0246% | 6,707 |
| Equity capital to assets | 24.8505% | 96 |
| Core capital (leverage) ratio | 18.7082% | 252 |
| Tier 1 risk-based capital ratio | 55.5220% | 108 |
| Total risk-based capital ratio | 55.5220% | 114 |
| Memoranda: | ||
| Average total assets | $995,450,000 | 669 |
| Average earning assets | $854,208,500 | 706 |
| Average equity | $220,566,500 | 355 |
| Average total loans | $196,311,500 | 2,055 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9779% | 7,044 |
| Cost of funding earning assets | 0.0488% | 7,036 |
| Net interest margin | 0.9291% | 7,034 |
| Noninterest income to average assets | 12.2623% | 62 |
| Noninterest expense to average assets | 11.5452% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6432% | 4,023 |
| Return on assets (ROA) | 0.6432% | 4,283 |
| Pretax return on assets | 1.5435% | 1,550 |
| Return on Equity (ROE) | 2.8892% | 5,592 |
| Retained earnings to average equity (ytd only) | 2.8892% | 4,202 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5633% | 1,374 |
| Assets per employee ($millions) | 4.7623% | 2,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,579 |
| Noncurrent assets plus other real estate owned to assets | 0.0004% | 6,724 |
| Noncurrent loans to loans | 0.0019% | 6,594 |
| Net loans and leases to total assets | 19.3878% | 6,933 |
| Net loans and leases to deposits | 25.2919% | 6,908 |
| Net loans and leases to core deposits | 25.2919% | 6,915 |
| Total domestic deposits to total assets | 76.6562% | 6,268 |
| Equity capital to assets | 19.9768% | 222 |
| Core capital (leverage) ratio | 18.1352% | 274 |
| Tier 1 risk-based capital ratio | 52.9887% | 126 |
| Total risk-based capital ratio | 52.9887% | 132 |
| Memoranda: | ||
| Average total assets | $1,052,090,800 | 628 |
| Average earning assets | $935,777,800 | 636 |
| Average equity | $234,218,600 | 326 |
| Average total loans | $184,102,200 | 2,150 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9950% | 7,158 |
| Cost of funding earning assets | 0.0580% | 7,139 |
| Net interest margin | 0.9370% | 7,146 |
| Noninterest income to average assets | 12.5185% | 61 |
| Noninterest expense to average assets | 11.7589% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5770% | 4,489 |
| Return on assets (ROA) | 0.5770% | 4,764 |
| Pretax return on assets | 1.5943% | 1,594 |
| Return on Equity (ROE) | 2.5233% | 5,870 |
| Retained earnings to average equity (ytd only) | 2.5233% | 5,054 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5056% | 1,250 |
| Assets per employee ($millions) | 3.7155% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 6,823 |
| Noncurrent loans to loans | 0.0023% | 6,689 |
| Net loans and leases to total assets | 20.0450% | 7,025 |
| Net loans and leases to deposits | 28.6442% | 6,975 |
| Net loans and leases to core deposits | 28.6442% | 6,986 |
| Total domestic deposits to total assets | 69.9792% | 6,842 |
| Equity capital to assets | 24.9100% | 109 |
| Core capital (leverage) ratio | 17.4166% | 340 |
| Tier 1 risk-based capital ratio | 57.9829% | 103 |
| Total risk-based capital ratio | 57.9829% | 105 |
| Memoranda: | ||
| Average total assets | $1,040,091,500 | 635 |
| Average earning assets | $926,612,500 | 650 |
| Average equity | $237,832,750 | 322 |
| Average total loans | $176,807,000 | 2,273 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9508% | 7,220 |
| Cost of funding earning assets | 0.0591% | 7,202 |
| Net interest margin | 0.8917% | 7,213 |
| Noninterest income to average assets | 12.4918% | 63 |
| Noninterest expense to average assets | 11.5067% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6874% | 3,936 |
| Return on assets (ROA) | 0.6874% | 4,198 |
| Pretax return on assets | 1.7891% | 1,064 |
| Return on Equity (ROE) | 3.0792% | 5,665 |
| Retained earnings to average equity (ytd only) | 3.0792% | 4,593 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0649% | 1,230 |
| Assets per employee ($millions) | 4.7262% | 2,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,187 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,732 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 6,871 |
| Noncurrent loans to loans | 0.0077% | 6,697 |
| Net loans and leases to total assets | 15.8610% | 7,132 |
| Net loans and leases to deposits | 21.1855% | 7,122 |
| Net loans and leases to core deposits | 21.1855% | 7,133 |
| Total domestic deposits to total assets | 74.8674% | 6,598 |
| Equity capital to assets | 21.4124% | 179 |
| Core capital (leverage) ratio | 18.8891% | 251 |
| Tier 1 risk-based capital ratio | 66.7845% | 81 |
| Total risk-based capital ratio | 66.7845% | 82 |
| Memoranda: | ||
| Average total assets | $1,095,739,670 | 602 |
| Average earning assets | $988,053,330 | 601 |
| Average equity | $244,610,000 | 318 |
| Average total loans | $177,402,000 | 2,266 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0073% | 7,282 |
| Cost of funding earning assets | 0.0600% | 7,266 |
| Net interest margin | 0.9474% | 7,276 |
| Noninterest income to average assets | 12.5176% | 65 |
| Noninterest expense to average assets | 10.8572% | 70 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3294% | 1,377 |
| Return on assets (ROA) | 1.3294% | 1,537 |
| Pretax return on assets | 2.5114% | 326 |
| Return on Equity (ROE) | 5.8272% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.8272% | 3,059 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1175% | 1,085 |
| Assets per employee ($millions) | 4.1516% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,802 |
| Noncurrent assets plus other real estate owned to assets | 0.0010% | 6,963 |
| Noncurrent loans to loans | 0.0057% | 6,786 |
| Net loans and leases to total assets | 17.4116% | 7,173 |
| Net loans and leases to deposits | 24.3923% | 7,139 |
| Net loans and leases to core deposits | 24.3923% | 7,151 |
| Total domestic deposits to total assets | 71.3818% | 6,912 |
| Equity capital to assets | 24.4441% | 104 |
| Core capital (leverage) ratio | 18.6419% | 257 |
| Tier 1 risk-based capital ratio | 67.6202% | 75 |
| Total risk-based capital ratio | 67.6202% | 76 |
| Memoranda: | ||
| Average total assets | $1,069,375,500 | 621 |
| Average earning assets | $960,557,000 | 621 |
| Average equity | $243,958,000 | 313 |
| Average total loans | $175,023,500 | 2,313 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2331% | 7,320 |
| Cost of funding earning assets | 0.0737% | 7,319 |
| Net interest margin | 1.1594% | 7,314 |
| Noninterest income to average assets | 14.1227% | 43 |
| Noninterest expense to average assets | 14.2744% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4602% | 4,593 |
| Return on assets (ROA) | 0.4602% | 4,796 |
| Pretax return on assets | 0.8485% | 3,778 |
| Return on Equity (ROE) | 1.7515% | 5,750 |
| Retained earnings to average equity (ytd only) | 1.7515% | 4,969 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4670% | 1,321 |
| Assets per employee ($millions) | 4.7650% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 7,021 |
| Noncurrent loans to loans | 0.0086% | 6,837 |
| Net loans and leases to total assets | 15.4413% | 7,257 |
| Net loans and leases to deposits | 20.5616% | 7,247 |
| Net loans and leases to core deposits | 20.5616% | 7,248 |
| Total domestic deposits to total assets | 75.0979% | 6,594 |
| Equity capital to assets | 21.3682% | 178 |
| Core capital (leverage) ratio | 19.3616% | 228 |
| Tier 1 risk-based capital ratio | 67.0042% | 76 |
| Total risk-based capital ratio | 67.0042% | 77 |
| Memoranda: | ||
| Average total assets | $925,963,800 | 701 |
| Average earning assets | $798,892,800 | 736 |
| Average equity | $243,273,400 | 303 |
| Average total loans | $180,598,400 | 2,238 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3081% | 7,397 |
| Cost of funding earning assets | 0.0800% | 7,392 |
| Net interest margin | 1.2281% | 7,385 |
| Noninterest income to average assets | 15.1720% | 41 |
| Noninterest expense to average assets | 15.1792% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5610% | 4,268 |
| Return on assets (ROA) | 0.5610% | 4,438 |
| Pretax return on assets | 1.0376% | 3,254 |
| Return on Equity (ROE) | 2.0133% | 5,770 |
| Retained earnings to average equity (ytd only) | 2.0133% | 5,127 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7502% | 1,367 |
| Assets per employee ($millions) | 4.2000% | 3,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 0.0012% | 7,093 |
| Noncurrent loans to loans | 0.0067% | 6,950 |
| Net loans and leases to total assets | 18.0443% | 7,308 |
| Net loans and leases to deposits | 25.5609% | 7,272 |
| Net loans and leases to core deposits | 25.5609% | 7,285 |
| Total domestic deposits to total assets | 70.5933% | 7,010 |
| Equity capital to assets | 24.4708% | 123 |
| Core capital (leverage) ratio | 23.0609% | 135 |
| Tier 1 risk-based capital ratio | 62.3210% | 101 |
| Total risk-based capital ratio | 62.3210% | 103 |
| Memoranda: | ||
| Average total assets | $873,938,000 | 755 |
| Average earning assets | $743,464,750 | 806 |
| Average equity | $243,509,250 | 306 |
| Average total loans | $181,969,250 | 2,237 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4126% | 7,471 |
| Cost of funding earning assets | 0.0878% | 7,465 |
| Net interest margin | 1.3248% | 7,457 |
| Noninterest income to average assets | 15.6919% | 44 |
| Noninterest expense to average assets | 16.0218% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3181% | 5,298 |
| Return on assets (ROA) | 0.3181% | 5,431 |
| Pretax return on assets | 0.7908% | 4,067 |
| Return on Equity (ROE) | 1.0893% | 6,063 |
| Retained earnings to average equity (ytd only) | 1.0893% | 5,427 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3873% | 1,286 |
| Assets per employee ($millions) | 3.3840% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,014 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 7,146 |
| Noncurrent loans to loans | 0.0026% | 7,015 |
| Net loans and leases to total assets | 22.9591% | 7,331 |
| Net loans and leases to deposits | 35.5613% | 7,181 |
| Net loans and leases to core deposits | 35.5613% | 7,230 |
| Total domestic deposits to total assets | 64.5619% | 7,300 |
| Equity capital to assets | 29.3431% | 84 |
| Core capital (leverage) ratio | 23.7869% | 134 |
| Tier 1 risk-based capital ratio | 55.6219% | 124 |
| Total risk-based capital ratio | 55.6219% | 129 |
| Memoranda: | ||
| Average total assets | $834,850,670 | 799 |
| Average earning assets | $706,205,670 | 864 |
| Average equity | $243,827,330 | 306 |
| Average total loans | $183,007,330 | 2,250 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4490% | 7,530 |
| Cost of funding earning assets | 0.0853% | 7,531 |
| Net interest margin | 1.3638% | 7,514 |
| Noninterest income to average assets | 15.3873% | 47 |
| Noninterest expense to average assets | 15.9712% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2411% | 5,643 |
| Return on assets (ROA) | 0.2411% | 5,711 |
| Pretax return on assets | 0.5815% | 4,753 |
| Return on Equity (ROE) | 0.8276% | 6,185 |
| Retained earnings to average equity (ytd only) | 0.8276% | 5,499 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4828% | 1,296 |
| Assets per employee ($millions) | 3.6057% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,079 |
| Noncurrent assets plus other real estate owned to assets | 0.0017% | 7,217 |
| Noncurrent loans to loans | 0.0082% | 7,066 |
| Net loans and leases to total assets | 20.9972% | 7,416 |
| Net loans and leases to deposits | 31.1370% | 7,341 |
| Net loans and leases to core deposits | 31.1370% | 7,368 |
| Total domestic deposits to total assets | 67.4348% | 7,285 |
| Equity capital to assets | 27.9247% | 87 |
| Core capital (leverage) ratio | 23.8113% | 125 |
| Tier 1 risk-based capital ratio | 62.3031% | 95 |
| Total risk-based capital ratio | 62.3031% | 102 |
| Memoranda: | ||
| Average total assets | $834,351,500 | 802 |
| Average earning assets | $713,028,500 | 863 |
| Average equity | $243,109,000 | 306 |
| Average total loans | $178,559,500 | 2,327 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9655% | 7,564 |
| Cost of funding earning assets | 0.0876% | 7,586 |
| Net interest margin | 1.8778% | 7,487 |
| Noninterest income to average assets | 15.3514% | 48 |
| Noninterest expense to average assets | 16.2362% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.3776% | 4,652 |
| Return on assets (ROA) | 0.3879% | 4,740 |
| Pretax return on assets | 0.6836% | 4,035 |
| Return on Equity (ROE) | 1.2638% | 5,632 |
| Retained earnings to average equity (ytd only) | 1.2638% | 4,920 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8498% | 1,334 |
| Assets per employee ($millions) | 3.4614% | 5,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,156 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 7,238 |
| Noncurrent loans to loans | 0.0362% | 7,039 |
| Net loans and leases to total assets | 21.8436% | 7,500 |
| Net loans and leases to deposits | 33.8363% | 7,397 |
| Net loans and leases to core deposits | 33.8363% | 7,424 |
| Total domestic deposits to total assets | 64.5567% | 7,427 |
| Equity capital to assets | 30.4667% | 77 |
| Core capital (leverage) ratio | 25.2394% | 121 |
| Tier 1 risk-based capital ratio | 60.7648% | 103 |
| Total risk-based capital ratio | 60.7648% | 105 |
| Memoranda: | ||
| Average total assets | $791,138,800 | 852 |
| Average earning assets | $653,997,400 | 934 |
| Average equity | $242,844,200 | 304 |
| Average total loans | $167,655,600 | 2,506 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9795% | 7,692 |
| Cost of funding earning assets | 0.0880% | 7,706 |
| Net interest margin | 1.8914% | 7,605 |
| Noninterest income to average assets | 15.3475% | 46 |
| Noninterest expense to average assets | 16.2810% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3590% | 4,935 |
| Return on assets (ROA) | 0.3727% | 5,058 |
| Pretax return on assets | 0.6440% | 4,444 |
| Return on Equity (ROE) | 1.2119% | 5,845 |
| Retained earnings to average equity (ytd only) | 1.2119% | 5,327 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1060% | 1,280 |
| Assets per employee ($millions) | 3.2838% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 7,294 |
| Noncurrent loans to loans | 0.1197% | 6,947 |
| Net loans and leases to total assets | 21.0745% | 7,610 |
| Net loans and leases to deposits | 34.0891% | 7,518 |
| Net loans and leases to core deposits | 34.0891% | 7,534 |
| Total domestic deposits to total assets | 61.8218% | 7,563 |
| Equity capital to assets | 31.6865% | 78 |
| Core capital (leverage) ratio | 24.6724% | 129 |
| Tier 1 risk-based capital ratio | 61.2719% | 106 |
| Total risk-based capital ratio | 61.2719% | 110 |
| Memoranda: | ||
| Average total assets | $789,892,500 | 860 |
| Average earning assets | $649,790,250 | 941 |
| Average equity | $242,917,000 | 300 |
| Average total loans | $166,094,000 | 2,574 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9782% | 7,771 |
| Cost of funding earning assets | 0.0909% | 7,778 |
| Net interest margin | 1.8873% | 7,675 |
| Noninterest income to average assets | 15.1713% | 45 |
| Noninterest expense to average assets | 16.8815% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.0639% | 6,175 |
| Return on assets (ROA) | -0.0639% | 6,263 |
| Pretax return on assets | -0.1604% | 6,301 |
| Return on Equity (ROE) | -0.2098% | 6,206 |
| Retained earnings to average equity (ytd only) | -0.2098% | 5,773 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7445% | 1,023 |
| Assets per employee ($millions) | 3.3725% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,334 |
| Noncurrent assets plus other real estate owned to assets | 0.0447% | 7,282 |
| Noncurrent loans to loans | 0.2160% | 6,815 |
| Net loans and leases to total assets | 20.7043% | 7,679 |
| Net loans and leases to deposits | 32.2696% | 7,607 |
| Net loans and leases to core deposits | 32.2696% | 7,628 |
| Total domestic deposits to total assets | 64.1603% | 7,581 |
| Equity capital to assets | 30.2714% | 82 |
| Core capital (leverage) ratio | 23.3859% | 150 |
| Tier 1 risk-based capital ratio | 59.0296% | 115 |
| Total risk-based capital ratio | 59.0296% | 117 |
| Memoranda: | ||
| Average total assets | $798,150,000 | 852 |
| Average earning assets | $655,445,330 | 940 |
| Average equity | $243,076,000 | 299 |
| Average total loans | $167,710,330 | 2,585 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9987% | 7,875 |
| Cost of funding earning assets | 0.0982% | 7,881 |
| Net interest margin | 1.9005% | 7,754 |
| Noninterest income to average assets | 15.4522% | 47 |
| Noninterest expense to average assets | 15.6653% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8453% | 2,771 |
| Return on assets (ROA) | 0.8453% | 2,866 |
| Pretax return on assets | 1.3429% | 1,927 |
| Return on Equity (ROE) | 2.7673% | 5,446 |
| Retained earnings to average equity (ytd only) | 2.7673% | 4,475 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9790% | 1,798 |
| Assets per employee ($millions) | 3.4606% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,410 |
| Noncurrent assets plus other real estate owned to assets | 0.0641% | 7,323 |
| Noncurrent loans to loans | 0.3091% | 6,707 |
| Net loans and leases to total assets | 20.7247% | 7,777 |
| Net loans and leases to deposits | 31.8317% | 7,699 |
| Net loans and leases to core deposits | 31.8317% | 7,719 |
| Total domestic deposits to total assets | 65.1073% | 7,645 |
| Equity capital to assets | 30.0215% | 83 |
| Core capital (leverage) ratio | 23.2576% | 162 |
| Tier 1 risk-based capital ratio | 59.2854% | 113 |
| Total risk-based capital ratio | 59.2854% | 116 |
| Memoranda: | ||
| Average total assets | $795,897,500 | 873 |
| Average earning assets | $651,617,000 | 960 |
| Average equity | $243,126,500 | 302 |
| Average total loans | $168,473,500 | 2,640 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2845% | 7,915 |
| Cost of funding earning assets | 0.1945% | 7,943 |
| Net interest margin | 2.0900% | 7,706 |
| Noninterest income to average assets | 13.2603% | 55 |
| Noninterest expense to average assets | 22.8012% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -7.6587% | 7,922 |
| Return on assets (ROA) | -7.6587% | 7,914 |
| Pretax return on assets | -8.0220% | 7,914 |
| Return on Equity (ROE) | -25.0902% | 7,290 |
| Retained earnings to average equity (ytd only) | -25.0902% | 7,265 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0180% | 1,795 |
| Assets per employee ($millions) | 3.4449% | 5,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,444 |
| Noncurrent assets plus other real estate owned to assets | 0.1887% | 6,996 |
| Noncurrent loans to loans | 0.8723% | 5,556 |
| Net loans and leases to total assets | 21.6305% | 7,845 |
| Net loans and leases to deposits | 33.5709% | 7,768 |
| Net loans and leases to core deposits | 33.5709% | 7,840 |
| Total domestic deposits to total assets | 64.4322% | 7,694 |
| Equity capital to assets | 31.0969% | 92 |
| Core capital (leverage) ratio | 24.9056% | 156 |
| Tier 1 risk-based capital ratio | 54.2740% | 135 |
| Total risk-based capital ratio | 54.2740% | 140 |
| Memoranda: | ||
| Average total assets | $818,707,400 | 834 |
| Average earning assets | $594,971,600 | 1,053 |
| Average equity | $249,906,800 | 285 |
| Average total loans | $158,093,600 | 2,798 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3315% | 8,020 |
| Cost of funding earning assets | 0.2303% | 8,023 |
| Net interest margin | 2.1012% | 7,765 |
| Noninterest income to average assets | 12.8139% | 57 |
| Noninterest expense to average assets | 25.0894% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -11.0218% | 8,054 |
| Return on assets (ROA) | -11.0218% | 8,054 |
| Pretax return on assets | -10.7858% | 8,050 |
| Return on Equity (ROE) | -36.2677% | 7,716 |
| Retained earnings to average equity (ytd only) | -36.2677% | 7,707 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9211% | 1,783 |
| Assets per employee ($millions) | 3.3264% | 5,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,528 |
| Noncurrent assets plus other real estate owned to assets | 0.0368% | 7,486 |
| Noncurrent loans to loans | 0.2130% | 6,962 |
| Net loans and leases to total assets | 17.2605% | 7,974 |
| Net loans and leases to deposits | 27.1066% | 7,936 |
| Net loans and leases to core deposits | 27.1066% | 7,963 |
| Total domestic deposits to total assets | 63.6762% | 7,779 |
| Equity capital to assets | 30.3858% | 113 |
| Core capital (leverage) ratio | 23.6783% | 195 |
| Tier 1 risk-based capital ratio | 51.3989% | 161 |
| Total risk-based capital ratio | 51.3989% | 167 |
| Memoranda: | ||
| Average total assets | $828,748,000 | 826 |
| Average earning assets | $587,580,250 | 1,090 |
| Average equity | $251,857,750 | 295 |
| Average total loans | $155,516,250 | 2,861 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3785% | 8,107 |
| Cost of funding earning assets | 0.2381% | 8,119 |
| Net interest margin | 2.1404% | 7,788 |
| Noninterest income to average assets | 12.3178% | 61 |
| Noninterest expense to average assets | 30.0339% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -16.4508% | 8,164 |
| Return on assets (ROA) | -16.4508% | 8,161 |
| Pretax return on assets | -16.2297% | 8,162 |
| Return on Equity (ROE) | -54.1298% | 7,945 |
| Retained earnings to average equity (ytd only) | -54.1298% | 7,941 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5356% | 1,855 |
| Assets per employee ($millions) | 3.3286% | 5,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,563 |
| Noncurrent assets plus other real estate owned to assets | 0.0183% | 7,583 |
| Noncurrent loans to loans | 0.1124% | 7,239 |
| Net loans and leases to total assets | 16.2441% | 8,071 |
| Net loans and leases to deposits | 25.1155% | 8,035 |
| Net loans and leases to core deposits | 25.1155% | 8,061 |
| Total domestic deposits to total assets | 64.6777% | 7,804 |
| Equity capital to assets | 29.7721% | 138 |
| Core capital (leverage) ratio | 23.7005% | 234 |
| Tier 1 risk-based capital ratio | 50.8748% | 182 |
| Total risk-based capital ratio | 50.8748% | 185 |
| Memoranda: | ||
| Average total assets | $846,644,000 | 830 |
| Average earning assets | $587,922,670 | 1,107 |
| Average equity | $257,307,670 | 299 |
| Average total loans | $162,762,000 | 2,772 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3467% | 8,172 |
| Cost of funding earning assets | 0.2777% | 8,162 |
| Net interest margin | 2.0689% | 7,867 |
| Noninterest income to average assets | 11.9109% | 61 |
| Noninterest expense to average assets | 44.6129% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -31.7142% | 8,236 |
| Return on assets (ROA) | -31.7142% | 8,235 |
| Pretax return on assets | -31.3031% | 8,233 |
| Return on Equity (ROE) | -103.4030% | 8,156 |
| Retained earnings to average equity (ytd only) | -103.4030% | 8,153 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4872% | 2,131 |
| Assets per employee ($millions) | 3.1565% | 5,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,576 |
| Noncurrent assets plus other real estate owned to assets | 0.0231% | 7,558 |
| Noncurrent loans to loans | 0.0960% | 7,252 |
| Net loans and leases to total assets | 24.0800% | 8,034 |
| Net loans and leases to deposits | 37.4612% | 7,911 |
| Net loans and leases to core deposits | 37.4612% | 8,010 |
| Total domestic deposits to total assets | 64.2799% | 7,835 |
| Equity capital to assets | 30.2470% | 142 |
| Core capital (leverage) ratio | 20.6605% | 367 |
| Tier 1 risk-based capital ratio | 40.1039% | 324 |
| Total risk-based capital ratio | 40.1039% | 336 |
| Memoranda: | ||
| Average total assets | $875,531,000 | 804 |
| Average earning assets | $591,991,500 | 1,093 |
| Average equity | $268,530,000 | 288 |
| Average total loans | $180,070,500 | 2,594 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5258% | 8,138 |
| Cost of funding earning assets | 0.7069% | 8,144 |
| Net interest margin | 2.8189% | 7,299 |
| Noninterest income to average assets | 13.4415% | 63 |
| Noninterest expense to average assets | 29.2227% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -15.4080% | 8,291 |
| Return on assets (ROA) | -15.4101% | 8,291 |
| Pretax return on assets | -14.0743% | 8,277 |
| Return on Equity (ROE) | -34.7184% | 8,020 |
| Retained earnings to average equity (ytd only) | -34.7184% | 7,984 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2470% | 2,276 |
| Assets per employee ($millions) | 3.8924% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,224 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,558 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 7,614 |
| Noncurrent loans to loans | 0.0389% | 7,346 |
| Net loans and leases to total assets | 17.8086% | 8,172 |
| Net loans and leases to deposits | 27.5859% | 8,141 |
| Net loans and leases to core deposits | 27.5859% | 8,166 |
| Total domestic deposits to total assets | 64.5569% | 7,754 |
| Equity capital to assets | 31.0031% | 166 |
| Core capital (leverage) ratio | 20.6154% | 394 |
| Tier 1 risk-based capital ratio | 39.5739% | 349 |
| Total risk-based capital ratio | 39.5739% | 360 |
| Memoranda: | ||
| Average total assets | $969,749,200 | 681 |
| Average earning assets | $587,927,400 | 1,050 |
| Average equity | $430,432,000 | 213 |
| Average total loans | $217,264,200 | 2,155 |