Home > Custodial Trust Company > Performance and Condition Ratios
Custodial Trust Company, Performance and Condition Ratios
| 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 | 0.1177% | 7,432 |
| Cost of funding earning assets | 0.0000% | 7,423 |
| Net interest margin | 0.1177% | 7,429 |
| Noninterest income to average assets | 0.0075% | 7,083 |
| Noninterest expense to average assets | -0.0230% | 7,435 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.0058% | 6,165 |
| Return on assets (ROA) | -0.0058% | 6,269 |
| Pretax return on assets | 0.0713% | 6,137 |
| Return on Equity (ROE) | -0.0066% | 6,259 |
| Retained earnings to average equity (ytd only) | -0.0066% | 5,957 |
| 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 | -47.7064% | 7,429 |
| Assets per employee ($millions) | NA | NA |
| 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 | 8.7585% | 7,416 |
| Equity capital to assets | 90.8298% | 11 |
| Core capital (leverage) ratio | 88.3044% | 13 |
| Tier 1 risk-based capital ratio | 447.4204% | 7 |
| Total risk-based capital ratio | 447.4204% | 7 |
| Memoranda: | ||
| Average total assets | $301,151,750 | 2,134 |
| Average earning assets | $104,238,750 | 4,566 |
| Average equity | $261,676,250 | 298 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1282% | 7,506 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 0.1282% | 7,503 |
| Noninterest income to average assets | -0.0124% | 7,211 |
| Noninterest expense to average assets | -0.0537% | 7,511 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0642% | 6,087 |
| Return on assets (ROA) | 0.0642% | 6,171 |
| Pretax return on assets | 0.0851% | 6,126 |
| Return on Equity (ROE) | 0.0749% | 6,287 |
| Retained earnings to average equity (ytd only) | 0.0749% | 5,805 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -170.8333% | 7,507 |
| Assets per employee ($millions) | NA | NA |
| 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 | 11.7975% | 7,482 |
| Equity capital to assets | 86.9708% | 15 |
| Core capital (leverage) ratio | 86.3730% | 13 |
| Tier 1 risk-based capital ratio | 422.8032% | 10 |
| Total risk-based capital ratio | 422.8032% | 10 |
| Memoranda: | ||
| Average total assets | $305,518,000 | 2,109 |
| Average earning assets | $104,522,330 | 4,594 |
| Average equity | $261,689,000 | 297 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1599% | 7,568 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 0.1599% | 7,563 |
| Noninterest income to average assets | -0.0299% | 7,337 |
| Noninterest expense to average assets | 0.0026% | 7,572 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0208% | 6,305 |
| Return on assets (ROA) | 0.0208% | 6,338 |
| Pretax return on assets | 0.0221% | 6,320 |
| Return on Equity (ROE) | 0.0245% | 6,378 |
| Retained earnings to average equity (ytd only) | 0.0245% | 5,780 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.5263% | 7,552 |
| Assets per employee ($millions) | NA | NA |
| 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 | 13.0545% | 7,542 |
| Equity capital to assets | 85.0115% | 17 |
| Core capital (leverage) ratio | 85.2472% | 15 |
| Tier 1 risk-based capital ratio | 412.7435% | 10 |
| Total risk-based capital ratio | 412.7435% | 10 |
| Memoranda: | ||
| Average total assets | $307,796,000 | 2,110 |
| Average earning assets | $105,076,500 | 4,613 |
| Average equity | $261,659,000 | 294 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2028% | 7,642 |
| Cost of funding earning assets | 0.0505% | 7,602 |
| Net interest margin | 0.1523% | 7,640 |
| Noninterest income to average assets | 0.0022% | 7,273 |
| Noninterest expense to average assets | 0.0450% | 7,651 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0686% | 5,657 |
| Return on assets (ROA) | 0.0686% | 5,800 |
| Pretax return on assets | 0.0478% | 5,800 |
| Return on Equity (ROE) | 0.0944% | 5,943 |
| Retained earnings to average equity (ytd only) | 0.0944% | 5,540 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5030% | 7,239 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| 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 | 13.7428% | 7,622 |
| Equity capital to assets | 85.0096% | 20 |
| Core capital (leverage) ratio | 75.3410% | 28 |
| Tier 1 risk-based capital ratio | 411.2522% | 13 |
| Total risk-based capital ratio | 411.2522% | 13 |
| Memoranda: | ||
| Average total assets | $359,886,800 | 1,815 |
| Average earning assets | $214,054,600 | 2,700 |
| Average equity | $261,519,600 | 289 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2111% | 7,751 |
| Cost of funding earning assets | 0.0481% | 7,716 |
| Net interest margin | 0.1630% | 7,748 |
| Noninterest income to average assets | 0.0068% | 7,422 |
| Noninterest expense to average assets | 0.0257% | 7,757 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0497% | 5,881 |
| Return on assets (ROA) | 0.0497% | 6,017 |
| Pretax return on assets | 0.0865% | 5,936 |
| Return on Equity (ROE) | 0.0709% | 6,110 |
| Retained earnings to average equity (ytd only) | 0.0709% | 5,750 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.9299% | 7,715 |
| Assets per employee ($millions) | NA | NA |
| 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 | 25.9569% | 7,704 |
| Equity capital to assets | 72.7604% | 39 |
| Core capital (leverage) ratio | 73.0530% | 34 |
| Tier 1 risk-based capital ratio | 353.5081% | 22 |
| Total risk-based capital ratio | 353.5081% | 22 |
| Memoranda: | ||
| Average total assets | $372,911,000 | 1,786 |
| Average earning assets | $241,296,250 | 2,451 |
| Average equity | $261,486,750 | 284 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2259% | 7,819 |
| Cost of funding earning assets | 0.0319% | 7,794 |
| Net interest margin | 0.1940% | 7,815 |
| Noninterest income to average assets | -0.0694% | 7,605 |
| Noninterest expense to average assets | -0.0101% | 7,828 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0848% | 5,910 |
| Return on assets (ROA) | 0.0848% | 6,011 |
| Pretax return on assets | 0.1049% | 5,969 |
| Return on Equity (ROE) | 0.1224% | 6,161 |
| Retained earnings to average equity (ytd only) | 0.1224% | 5,694 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -10.6145% | 7,817 |
| Assets per employee ($millions) | NA | NA |
| 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 | 25.5487% | 7,773 |
| Equity capital to assets | 73.0795% | 38 |
| Core capital (leverage) ratio | 70.4849% | 35 |
| Tier 1 risk-based capital ratio | 353.3216% | 20 |
| Total risk-based capital ratio | 353.3216% | 20 |
| Memoranda: | ||
| Average total assets | $377,395,330 | 1,779 |
| Average earning assets | $319,574,330 | 1,902 |
| Average equity | $261,468,000 | 283 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2065% | 7,927 |
| Cost of funding earning assets | 0.0013% | 7,913 |
| Net interest margin | 0.2053% | 7,916 |
| Noninterest income to average assets | -0.0940% | 7,750 |
| Noninterest expense to average assets | 0.0475% | 7,931 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0331% | 6,212 |
| Return on assets (ROA) | 0.0331% | 6,328 |
| Pretax return on assets | 0.0279% | 6,302 |
| Return on Equity (ROE) | 0.0490% | 6,390 |
| Retained earnings to average equity (ytd only) | 0.0490% | 5,803 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0137% | 5,660 |
| Assets per employee ($millions) | NA | NA |
| 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 | 30.4122% | 7,871 |
| Equity capital to assets | 68.2939% | 37 |
| Core capital (leverage) ratio | 67.5903% | 33 |
| Tier 1 risk-based capital ratio | 330.1168% | 20 |
| Total risk-based capital ratio | 330.1168% | 20 |
| Memoranda: | ||
| Average total assets | $387,134,500 | 1,781 |
| Average earning assets | $319,550,500 | 1,953 |
| Average equity | $261,420,000 | 287 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6206% | 7,988 |
| Cost of funding earning assets | 0.1258% | 7,957 |
| Net interest margin | 0.4948% | 7,969 |
| Noninterest income to average assets | 1.0394% | 1,441 |
| Noninterest expense to average assets | 0.4212% | 7,989 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6138% | 3,280 |
| Return on assets (ROA) | 0.6138% | 3,348 |
| Pretax return on assets | 1.0449% | 2,436 |
| Return on Equity (ROE) | 0.9845% | 5,240 |
| Retained earnings to average equity (ytd only) | 0.9845% | 4,346 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.7285% | 7,943 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| 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 | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 32.0698% | 7,946 |
| Equity capital to assets | 66.7769% | 40 |
| Core capital (leverage) ratio | 67.2997% | 38 |
| Tier 1 risk-based capital ratio | 321.6013% | 19 |
| Total risk-based capital ratio | 321.6013% | 19 |
| Memoranda: | ||
| Average total assets | $415,739,000 | 1,662 |
| Average earning assets | $358,552,000 | 1,748 |
| Average equity | $259,205,200 | 280 |
| Average total loans | $138,400 | 7,961 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7493% | 8,071 |
| Cost of funding earning assets | 0.1473% | 8,044 |
| Net interest margin | 0.6020% | 8,048 |
| Noninterest income to average assets | 1.4215% | 741 |
| Noninterest expense to average assets | 0.4451% | 8,077 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9470% | 2,243 |
| Return on assets (ROA) | 0.9470% | 2,306 |
| Pretax return on assets | 1.5021% | 1,411 |
| Return on Equity (ROE) | 1.5444% | 5,315 |
| Retained earnings to average equity (ytd only) | 1.5444% | 4,447 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.8571% | 8,046 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 32.2965% | 8,027 |
| Equity capital to assets | 64.7751% | 41 |
| Core capital (leverage) ratio | 66.2593% | 38 |
| Tier 1 risk-based capital ratio | 311.2532% | 19 |
| Total risk-based capital ratio | 311.2532% | 19 |
| Memoranda: | ||
| Average total assets | $421,809,000 | 1,655 |
| Average earning assets | $368,310,500 | 1,720 |
| Average equity | $258,655,500 | 291 |
| Average total loans | $173,000 | 8,044 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9090% | 8,162 |
| Cost of funding earning assets | 0.1893% | 8,129 |
| Net interest margin | 0.7197% | 8,128 |
| Noninterest income to average assets | 2.1119% | 336 |
| Noninterest expense to average assets | 1.2977% | 8,057 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9358% | 2,324 |
| Return on assets (ROA) | 0.9358% | 2,417 |
| Pretax return on assets | 1.4614% | 1,558 |
| Return on Equity (ROE) | 1.5536% | 5,444 |
| Retained earnings to average equity (ytd only) | 1.5536% | 4,463 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0339% | 7,801 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 32.0688% | 8,117 |
| Equity capital to assets | 64.9300% | 44 |
| Core capital (leverage) ratio | 62.2067% | 43 |
| Tier 1 risk-based capital ratio | 297.4961% | 20 |
| Total risk-based capital ratio | 297.4961% | 20 |
| Memoranda: | ||
| Average total assets | $427,664,670 | 1,658 |
| Average earning assets | $384,606,000 | 1,684 |
| Average equity | $257,591,330 | 298 |
| Average total loans | $230,670 | 8,138 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8941% | 8,218 |
| Cost of funding earning assets | 0.1121% | 8,197 |
| Net interest margin | 0.7820% | 8,182 |
| Noninterest income to average assets | 2.4734% | 255 |
| Noninterest expense to average assets | 2.0954% | 7,125 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7171% | 3,472 |
| Return on assets (ROA) | 0.7171% | 3,670 |
| Pretax return on assets | 1.1160% | 2,930 |
| Return on Equity (ROE) | 1.2340% | 6,060 |
| Retained earnings to average equity (ytd only) | 1.2340% | 5,146 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2492% | 5,461 |
| Assets per employee ($millions) | 13.5059% | 130 |
| 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 | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 0.0004% | 8,195 |
| Net loans and leases to deposits | 0.0011% | 8,195 |
| Net loans and leases to core deposits | 0.0011% | 8,184 |
| Total domestic deposits to total assets | 38.7317% | 8,147 |
| Equity capital to assets | 54.4634% | 60 |
| Core capital (leverage) ratio | 62.7220% | 53 |
| Tier 1 risk-based capital ratio | 218.7218% | 34 |
| Total risk-based capital ratio | 218.7218% | 34 |
| Memoranda: | ||
| Average total assets | $442,312,500 | 1,605 |
| Average earning assets | $417,386,000 | 1,558 |
| Average equity | $257,056,500 | 299 |
| Average total loans | $346,000 | 8,188 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4684% | 8,249 |
| Cost of funding earning assets | 0.7045% | 8,146 |
| Net interest margin | 0.7639% | 8,246 |
| Noninterest income to average assets | 1.6623% | 501 |
| Noninterest expense to average assets | 0.7811% | 8,235 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9667% | 2,712 |
| Return on assets (ROA) | 0.9667% | 2,588 |
| Pretax return on assets | 1.6181% | 1,336 |
| Return on Equity (ROE) | 3.2140% | 5,150 |
| Retained earnings to average equity (ytd only) | 3.2140% | 3,149 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5562% | 8,218 |
| Assets per employee ($millions) | 10.8399% | 211 |
| 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 | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 0.1675% | 8,246 |
| Net loans and leases to deposits | 0.5187% | 8,246 |
| Net loans and leases to core deposits | 0.5187% | 8,236 |
| Total domestic deposits to total assets | 32.2932% | 8,214 |
| Equity capital to assets | 62.3087% | 52 |
| Core capital (leverage) ratio | 56.9943% | 69 |
| Tier 1 risk-based capital ratio | 281.7653% | 27 |
| Total risk-based capital ratio | 281.7653% | 27 |
| Memoranda: | ||
| Average total assets | $836,677,800 | 808 |
| Average earning assets | $807,008,200 | 761 |
| Average equity | $251,648,600 | 306 |
| Average total loans | $598,581,800 | 798 |