Home > M&I Bank of Mayville > Performance and Condition Ratios
M&I Bank of Mayville, Performance and Condition Ratios
| 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 | 0.2239% | 7,176 |
| Cost of funding earning assets | 0.0000% | 7,171 |
| Net interest margin | 0.2239% | 7,175 |
| Noninterest income to average assets | 25.3524% | 32 |
| Noninterest expense to average assets | 25.3524% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1314% | 6,067 |
| Return on assets (ROA) | 0.1314% | 6,213 |
| Pretax return on assets | 0.2190% | 6,089 |
| Return on Equity (ROE) | 0.1666% | 6,383 |
| Retained earnings to average equity (ytd only) | 0.1666% | 6,025 |
| 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 | 99.1438% | 563 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 18.7439% | 7,148 |
| Equity capital to assets | 78.5738% | 25 |
| Core capital (leverage) ratio | 78.7025% | 22 |
| Tier 1 risk-based capital ratio | 401.6722% | 15 |
| Total risk-based capital ratio | 401.6722% | 15 |
| Memoranda: | ||
| Average total assets | $3,045,000 | 7,190 |
| Average earning assets | $2,979,500 | 7,177 |
| Average equity | $2,400,500 | 6,994 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2686% | 7,236 |
| Cost of funding earning assets | 0.0000% | 7,233 |
| Net interest margin | 0.2686% | 7,236 |
| Noninterest income to average assets | 25.3206% | 32 |
| Noninterest expense to average assets | 25.3864% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1315% | 6,089 |
| Return on assets (ROA) | 0.1315% | 6,253 |
| Pretax return on assets | 0.1973% | 6,156 |
| Return on Equity (ROE) | 0.1667% | 6,437 |
| Retained earnings to average equity (ytd only) | 0.1667% | 5,989 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2288% | 588 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 19.6307% | 7,215 |
| Equity capital to assets | 77.7778% | 25 |
| Core capital (leverage) ratio | 78.8506% | 18 |
| Tier 1 risk-based capital ratio | 396.8595% | 11 |
| Total risk-based capital ratio | 396.8595% | 11 |
| Memoranda: | ||
| Average total assets | $3,041,000 | 7,254 |
| Average earning assets | $2,978,000 | 7,240 |
| Average equity | $2,400,000 | 7,037 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2702% | 7,297 |
| Cost of funding earning assets | 0.0000% | 7,293 |
| Net interest margin | 0.2702% | 7,297 |
| Noninterest income to average assets | 25.5799% | 30 |
| Noninterest expense to average assets | 25.5799% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1325% | 6,170 |
| Return on assets (ROA) | 0.1325% | 6,295 |
| Pretax return on assets | 0.2651% | 6,049 |
| Return on Equity (ROE) | 0.1667% | 6,493 |
| Retained earnings to average equity (ytd only) | 0.1667% | 5,926 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9744% | 590 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 17.8418% | 7,280 |
| Equity capital to assets | 79.4439% | 24 |
| Core capital (leverage) ratio | 78.8955% | 18 |
| Tier 1 risk-based capital ratio | 404.0404% | 10 |
| Total risk-based capital ratio | 404.0404% | 10 |
| Memoranda: | ||
| Average total assets | $3,018,000 | 7,317 |
| Average earning assets | $2,960,500 | 7,304 |
| Average equity | $2,399,500 | 7,090 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1023% | 7,354 |
| Cost of funding earning assets | 0.0000% | 7,346 |
| Net interest margin | 0.1023% | 7,353 |
| Noninterest income to average assets | 12.2788% | 54 |
| Noninterest expense to average assets | 12.2788% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0660% | 5,933 |
| Return on assets (ROA) | 0.0660% | 6,045 |
| Pretax return on assets | 0.0990% | 5,969 |
| Return on Equity (ROE) | 0.0834% | 6,141 |
| Retained earnings to average equity (ytd only) | 0.0834% | 5,797 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2000% | 702 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| 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 | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 17.7114% | 7,325 |
| Equity capital to assets | 79.5688% | 19 |
| Core capital (leverage) ratio | 78.8367% | 18 |
| Tier 1 risk-based capital ratio | 405.2365% | 9 |
| Total risk-based capital ratio | 405.2365% | 9 |
| Memoranda: | ||
| Average total assets | $3,029,600 | 7,366 |
| Average earning assets | $2,932,000 | 7,353 |
| Average equity | $2,397,000 | 7,143 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0913% | 7,433 |
| Cost of funding earning assets | 0.0000% | 7,423 |
| Net interest margin | 0.0913% | 7,430 |
| Noninterest income to average assets | 8.2199% | 75 |
| Noninterest expense to average assets | 8.2199% | 99 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0438% | 6,084 |
| Return on assets (ROA) | 0.0438% | 6,182 |
| Pretax return on assets | 0.0877% | 6,121 |
| Return on Equity (ROE) | 0.0555% | 6,246 |
| Retained earnings to average equity (ytd only) | 0.0555% | 5,936 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9418% | 697 |
| Assets per employee ($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 | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 17.0626% | 7,400 |
| Equity capital to assets | 80.2275% | 25 |
| Core capital (leverage) ratio | 74.4952% | 30 |
| Tier 1 risk-based capital ratio | 408.5179% | 10 |
| Total risk-based capital ratio | 408.5179% | 10 |
| Memoranda: | ||
| Average total assets | $3,033,250 | 7,445 |
| Average earning assets | $2,925,500 | 7,433 |
| Average equity | $2,396,500 | 7,212 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2699% | 7,499 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 0.2699% | 7,496 |
| Noninterest income to average assets | 25.2625% | 33 |
| Noninterest expense to average assets | 25.3281% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.1312% | 5,928 |
| Return on assets (ROA) | 0.1312% | 6,025 |
| Pretax return on assets | 0.1969% | 5,937 |
| Return on Equity (ROE) | 0.1669% | 6,275 |
| Retained earnings to average equity (ytd only) | 0.1669% | 5,774 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2288% | 746 |
| Assets per employee ($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 | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 17.9530% | 7,472 |
| Equity capital to assets | 79.3972% | 26 |
| Core capital (leverage) ratio | 76.8516% | 28 |
| Tier 1 risk-based capital ratio | 404.8986% | 14 |
| Total risk-based capital ratio | 404.8986% | 14 |
| Memoranda: | ||
| Average total assets | $3,048,000 | 7,521 |
| Average earning assets | $2,964,000 | 7,509 |
| Average equity | $2,396,000 | 7,272 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2676% | 7,562 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 0.2676% | 7,557 |
| Noninterest income to average assets | 25.9918% | 33 |
| Noninterest expense to average assets | 25.9918% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1306% | 6,011 |
| Return on assets (ROA) | 0.1306% | 6,064 |
| Pretax return on assets | 0.2612% | 5,775 |
| Return on Equity (ROE) | 0.1670% | 6,350 |
| Retained earnings to average equity (ytd only) | 0.1670% | 5,740 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0050% | 786 |
| Assets per employee ($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 | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 17.0368% | 7,537 |
| Equity capital to assets | 79.4166% | 25 |
| Core capital (leverage) ratio | 77.7670% | 25 |
| Tier 1 risk-based capital ratio | 404.7297% | 12 |
| Total risk-based capital ratio | 404.7297% | 12 |
| Memoranda: | ||
| Average total assets | $3,062,500 | 7,582 |
| Average earning assets | $2,989,500 | 7,568 |
| Average equity | $2,395,500 | 7,321 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2667% | 7,631 |
| Cost of funding earning assets | 0.0000% | 7,641 |
| Net interest margin | 0.2667% | 7,622 |
| Noninterest income to average assets | 40.6872% | 29 |
| Noninterest expense to average assets | 40.7195% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1292% | 5,505 |
| Return on assets (ROA) | 0.1292% | 5,655 |
| Pretax return on assets | 0.2260% | 5,423 |
| Return on Equity (ROE) | 0.1672% | 5,916 |
| Retained earnings to average equity (ytd only) | 0.1672% | 5,492 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4479% | 796 |
| Assets per employee ($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 | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 19.4981% | 7,611 |
| Equity capital to assets | 77.0592% | 32 |
| Core capital (leverage) ratio | 76.8860% | 27 |
| Tier 1 risk-based capital ratio | 392.6230% | 14 |
| Total risk-based capital ratio | 392.6230% | 14 |
| Memoranda: | ||
| Average total assets | $3,096,800 | 7,667 |
| Average earning assets | $2,999,600 | 7,652 |
| Average equity | $2,392,600 | 7,425 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2678% | 7,746 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 0.2678% | 7,737 |
| Noninterest income to average assets | 44.3429% | 27 |
| Noninterest expense to average assets | 44.4289% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0863% | 5,804 |
| Return on assets (ROA) | 0.0863% | 5,946 |
| Pretax return on assets | 0.1726% | 5,788 |
| Return on Equity (ROE) | 0.1116% | 6,098 |
| Retained earnings to average equity (ytd only) | 0.1116% | 5,732 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6135% | 751 |
| Assets per employee ($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 | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 23.6714% | 7,705 |
| Equity capital to assets | 73.0910% | 37 |
| Core capital (leverage) ratio | 77.6696% | 31 |
| Tier 1 risk-based capital ratio | 372.1617% | 19 |
| Total risk-based capital ratio | 372.1617% | 19 |
| Memoranda: | ||
| Average total assets | $3,094,000 | 7,770 |
| Average earning assets | $2,986,750 | 7,755 |
| Average equity | $2,392,000 | 7,521 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2749% | 7,816 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 0.2749% | 7,808 |
| Noninterest income to average assets | 46.4074% | 26 |
| Noninterest expense to average assets | 46.5392% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0659% | 5,952 |
| Return on assets (ROA) | 0.0659% | 6,052 |
| Pretax return on assets | 0.1318% | 5,920 |
| Return on Equity (ROE) | 0.0836% | 6,173 |
| Retained earnings to average equity (ytd only) | 0.0836% | 5,707 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7175% | 812 |
| Assets per employee ($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 | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 17.5850% | 7,784 |
| Equity capital to assets | 78.9178% | 31 |
| Core capital (leverage) ratio | 78.8398% | 30 |
| Tier 1 risk-based capital ratio | 401.3423% | 15 |
| Total risk-based capital ratio | 401.3423% | 15 |
| Memoranda: | ||
| Average total assets | $3,034,000 | 7,839 |
| Average earning assets | $2,910,000 | 7,824 |
| Average equity | $2,391,670 | 7,575 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2686% | 7,921 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 0.2686% | 7,909 |
| Noninterest income to average assets | 45.1985% | 27 |
| Noninterest expense to average assets | 45.1985% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1318% | 5,921 |
| Return on assets (ROA) | 0.1318% | 6,041 |
| Pretax return on assets | 0.2635% | 5,704 |
| Return on Equity (ROE) | 0.1673% | 6,359 |
| Retained earnings to average equity (ytd only) | 0.1673% | 5,754 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4203% | 860 |
| Assets per employee ($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 | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 17.7749% | 7,885 |
| Equity capital to assets | 78.7360% | 30 |
| Core capital (leverage) ratio | 78.4520% | 29 |
| Tier 1 risk-based capital ratio | 400.6700% | 14 |
| Total risk-based capital ratio | 400.6700% | 14 |
| Memoranda: | ||
| Average total assets | $3,035,500 | 7,942 |
| Average earning assets | $2,978,000 | 7,928 |
| Average equity | $2,391,500 | 7,666 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2398% | 7,999 |
| Cost of funding earning assets | 0.0000% | 8,000 |
| Net interest margin | 0.2398% | 7,986 |
| Noninterest income to average assets | 46.5559% | 27 |
| Noninterest expense to average assets | 46.5887% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1313% | 5,108 |
| Return on assets (ROA) | 0.1313% | 5,165 |
| Pretax return on assets | 0.1970% | 5,010 |
| Return on Equity (ROE) | 0.1675% | 5,480 |
| Retained earnings to average equity (ytd only) | 0.1675% | 4,809 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5789% | 1,125 |
| Assets per employee ($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 | 17.6723% | 7,964 |
| Equity capital to assets | 78.8328% | 31 |
| Core capital (leverage) ratio | 82.9057% | 20 |
| Tier 1 risk-based capital ratio | 401.8487% | 13 |
| Total risk-based capital ratio | 401.8487% | 14 |
| Memoranda: | ||
| Average total assets | $3,045,800 | 8,021 |
| Average earning assets | $2,918,800 | 8,007 |
| Average equity | $2,388,600 | 7,754 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2754% | 8,085 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 0.2754% | 8,069 |
| Noninterest income to average assets | 48.1020% | 25 |
| Noninterest expense to average assets | 48.2332% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0876% | 5,507 |
| Return on assets (ROA) | 0.0876% | 5,555 |
| Pretax return on assets | 0.1312% | 5,458 |
| Return on Equity (ROE) | 0.1118% | 5,741 |
| Retained earnings to average equity (ytd only) | 0.1118% | 5,156 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7288% | 1,072 |
| Assets per employee ($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 | 18.7439% | 8,047 |
| Equity capital to assets | 77.7416% | 33 |
| Core capital (leverage) ratio | 77.7669% | 32 |
| Tier 1 risk-based capital ratio | 395.5298% | 16 |
| Total risk-based capital ratio | 395.5298% | 16 |
| Memoranda: | ||
| Average total assets | $3,049,000 | 8,108 |
| Average earning assets | $2,904,500 | 8,094 |
| Average equity | $2,388,000 | 7,829 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2790% | 8,179 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 0.2790% | 8,156 |
| Noninterest income to average assets | 47.4186% | 27 |
| Noninterest expense to average assets | 47.5501% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0658% | 5,661 |
| Return on assets (ROA) | 0.0658% | 5,753 |
| Pretax return on assets | 0.1315% | 5,599 |
| Return on Equity (ROE) | 0.0838% | 5,891 |
| Retained earnings to average equity (ytd only) | 0.0838% | 5,167 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7241% | 1,191 |
| Assets per employee ($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 | 17.5694% | 8,139 |
| Equity capital to assets | 78.8639% | 33 |
| Core capital (leverage) ratio | 77.8611% | 29 |
| Tier 1 risk-based capital ratio | 402.0202% | 11 |
| Total risk-based capital ratio | 402.0202% | 11 |
| Memoranda: | ||
| Average total assets | $3,041,000 | 8,204 |
| Average earning assets | $2,867,670 | 8,190 |
| Average equity | $2,387,670 | 7,909 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2841% | 8,238 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 0.2841% | 8,211 |
| Noninterest income to average assets | 45.6768% | 26 |
| Noninterest expense to average assets | 45.6768% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1313% | 5,881 |
| Return on assets (ROA) | 0.1313% | 6,049 |
| Pretax return on assets | 0.2625% | 5,778 |
| Return on Equity (ROE) | 0.1675% | 6,370 |
| Retained earnings to average equity (ytd only) | 0.1675% | 5,590 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4286% | 1,159 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 18.2384% | 8,192 |
| Equity capital to assets | 78.1925% | 33 |
| Core capital (leverage) ratio | 76.3183% | 36 |
| Tier 1 risk-based capital ratio | 398.0000% | 12 |
| Total risk-based capital ratio | 398.0000% | 12 |
| Memoranda: | ||
| Average total assets | $3,047,500 | 8,255 |
| Average earning assets | $2,816,000 | 8,241 |
| Average equity | $2,387,500 | 7,958 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8892% | 8,236 |
| Cost of funding earning assets | 0.0000% | 8,290 |
| Net interest margin | 1.8892% | 8,111 |
| Noninterest income to average assets | 44.2243% | 33 |
| Noninterest expense to average assets | 44.2243% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.0684% | 2,264 |
| Return on assets (ROA) | 1.0684% | 2,177 |
| Pretax return on assets | 1.8130% | 920 |
| Return on Equity (ROE) | 1.3908% | 5,798 |
| Retained earnings to average equity (ytd only) | 1.3908% | 4,383 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0619% | 1,150 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| 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 | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 18.1190% | 8,242 |
| Equity capital to assets | 78.4939% | 37 |
| Core capital (leverage) ratio | 75.7057% | 40 |
| Tier 1 risk-based capital ratio | 399.8325% | 18 |
| Total risk-based capital ratio | 399.8325% | 18 |
| Memoranda: | ||
| Average total assets | $3,088,800 | 8,312 |
| Average earning assets | $2,964,200 | 8,302 |
| Average equity | $2,372,800 | 8,031 |
| Average total loans | NA | NA |