Home > Mitsubishi UFJ Trust & Banking Corporation (U.S.A.) > Performance and Condition Ratios
Mitsubishi UFJ Trust & Banking Corporation (U.S.A.), Performance and Condition Ratios
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5004% | 6,112 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 0.5004% | 6,110 |
| Noninterest income to average assets | 17.7897% | 39 |
| Noninterest expense to average assets | 0.0436% | 6,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 9.1877% | 21 |
| Return on assets (ROA) | 9.1877% | 20 |
| Pretax return on assets | 18.2169% | 12 |
| Return on Equity (ROE) | 10.1886% | 1,910 |
| Retained earnings to average equity (ytd only) | -316.3566% | 6,122 |
| 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 | 0.2390% | 6,118 |
| Assets per employee ($millions) | 16.2030% | 70 |
| Cash dividends to net income (ytd only)* | 3,205.0000% | 6 |
| 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% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 0.0041% | 6,131 |
| Equity capital to assets | 97.6548% | 3 |
| Core capital (leverage) ratio | 58.5217% | 32 |
| Tier 1 risk-based capital ratio | 36,655.5985% | 1 |
| Total risk-based capital ratio | 36,655.5985% | 1 |
| Memoranda: | ||
| Average total assets | $174,146,000 | 3,277 |
| Average earning assets | $163,876,500 | 3,229 |
| Average equity | $157,038,000 | 508 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2719% | 6,175 |
| Cost of funding earning assets | 0.0008% | 6,165 |
| Net interest margin | 0.2711% | 6,173 |
| Noninterest income to average assets | 23.7919% | 37 |
| Noninterest expense to average assets | 12.7847% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 7.1627% | 28 |
| Return on assets (ROA) | 7.1886% | 26 |
| Pretax return on assets | 11.2989% | 23 |
| Return on Equity (ROE) | 8.6340% | 2,654 |
| Retained earnings to average equity (ytd only) | -0.9382% | 5,647 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3618% | 5,615 |
| Assets per employee ($millions) | 2.8211% | 5,681 |
| Cash dividends to net income (ytd only)* | 110.8661% | 299 |
| 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% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 12.1028% | 6,161 |
| Equity capital to assets | 87.2802% | 17 |
| Core capital (leverage) ratio | 81.1938% | 22 |
| Tier 1 risk-based capital ratio | 1,106.0679% | 3 |
| Total risk-based capital ratio | 1,106.0679% | 3 |
| Memoranda: | ||
| Average total assets | $266,796,200 | 2,369 |
| Average earning assets | $247,129,400 | 2,367 |
| Average equity | $222,134,000 | 383 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2739% | 6,261 |
| Cost of funding earning assets | 0.0011% | 6,250 |
| Net interest margin | 0.2728% | 6,258 |
| Noninterest income to average assets | 22.8732% | 39 |
| Noninterest expense to average assets | 12.6422% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 6.6623% | 32 |
| Return on assets (ROA) | 6.6786% | 32 |
| Pretax return on assets | 10.5097% | 26 |
| Return on Equity (ROE) | 8.1123% | 3,017 |
| Retained earnings to average equity (ytd only) | -4.6074% | 6,013 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8332% | 5,531 |
| Assets per employee ($millions) | 2.6778% | 5,850 |
| Cash dividends to net income (ytd only)* | 156.7952% | 114 |
| 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% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 10.4155% | 6,249 |
| Equity capital to assets | 88.6098% | 14 |
| Core capital (leverage) ratio | 79.7354% | 26 |
| Tier 1 risk-based capital ratio | 511.4753% | 5 |
| Total risk-based capital ratio | 511.4753% | 5 |
| Memoranda: | ||
| Average total assets | $270,726,750 | 2,349 |
| Average earning assets | $251,173,000 | 2,352 |
| Average equity | $222,883,000 | 386 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2691% | 6,341 |
| Cost of funding earning assets | 0.0015% | 6,324 |
| Net interest margin | 0.2676% | 6,339 |
| Noninterest income to average assets | 22.2397% | 40 |
| Noninterest expense to average assets | 11.7163% | 66 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 6.8372% | 34 |
| Return on assets (ROA) | 6.8609% | 34 |
| Pretax return on assets | 10.8098% | 29 |
| Return on Equity (ROE) | 8.5198% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.5198% | 1,069 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.2739% | 5,773 |
| Assets per employee ($millions) | 2.7551% | 5,862 |
| 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 | 7.1297% | 6,328 |
| Equity capital to assets | 92.0913% | 7 |
| Core capital (leverage) ratio | 74.0166% | 30 |
| Tier 1 risk-based capital ratio | 600.0475% | 4 |
| Total risk-based capital ratio | 600.0475% | 4 |
| Memoranda: | ||
| Average total assets | $280,633,670 | 2,299 |
| Average earning assets | $261,574,000 | 2,287 |
| Average equity | $225,992,330 | 383 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2630% | 6,413 |
| Cost of funding earning assets | 0.0014% | 6,390 |
| Net interest margin | 0.2616% | 6,409 |
| Noninterest income to average assets | 21.0572% | 40 |
| Noninterest expense to average assets | 10.7390% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 6.2207% | 37 |
| Return on assets (ROA) | 6.2207% | 38 |
| Pretax return on assets | 10.5631% | 31 |
| Return on Equity (ROE) | 8.2256% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.2256% | 1,481 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5871% | 5,937 |
| Assets per employee ($millions) | 3.5338% | 4,836 |
| 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 | 24.5667% | 6,384 |
| Equity capital to assets | 74.3148% | 33 |
| Core capital (leverage) ratio | 78.3582% | 29 |
| Tier 1 risk-based capital ratio | 397.9684% | 10 |
| Total risk-based capital ratio | 397.9684% | 10 |
| Memoranda: | ||
| Average total assets | $295,594,500 | 2,220 |
| Average earning assets | $276,801,000 | 2,199 |
| Average equity | $223,546,500 | 383 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2316% | 6,502 |
| Cost of funding earning assets | 0.0006% | 6,490 |
| Net interest margin | 0.2310% | 6,500 |
| Noninterest income to average assets | 18.5134% | 46 |
| Noninterest expense to average assets | 8.8250% | 90 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 5.8165% | 34 |
| Return on assets (ROA) | 5.8165% | 34 |
| Pretax return on assets | 9.9066% | 28 |
| Return on Equity (ROE) | 9.6863% | 2,257 |
| Retained earnings to average equity (ytd only) | 0.6592% | 5,464 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3520% | 6,256 |
| Assets per employee ($millions) | 3.4613% | 4,961 |
| Cash dividends to net income (ytd only)* | 93.1948% | 502 |
| 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 | 22.0049% | 6,476 |
| Equity capital to assets | 77.0132% | 29 |
| Core capital (leverage) ratio | 72.9568% | 31 |
| Tier 1 risk-based capital ratio | 356.0277% | 15 |
| Total risk-based capital ratio | 356.0277% | 15 |
| Memoranda: | ||
| Average total assets | $365,563,200 | 1,782 |
| Average earning assets | $345,458,200 | 1,733 |
| Average equity | $219,517,200 | 373 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2248% | 6,583 |
| Cost of funding earning assets | 0.0004% | 6,572 |
| Net interest margin | 0.2244% | 6,580 |
| Noninterest income to average assets | 18.0429% | 44 |
| Noninterest expense to average assets | 8.0254% | 104 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 6.0656% | 33 |
| Return on assets (ROA) | 6.0656% | 32 |
| Pretax return on assets | 10.2300% | 26 |
| Return on Equity (ROE) | 10.6629% | 1,919 |
| Retained earnings to average equity (ytd only) | -1.3967% | 6,018 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2204% | 6,388 |
| Assets per employee ($millions) | 9.0700% | 327 |
| Cash dividends to net income (ytd only)* | 113.0986% | 245 |
| 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 | 57.4889% | 6,507 |
| Equity capital to assets | 28.8923% | 72 |
| Core capital (leverage) ratio | 80.4642% | 25 |
| Tier 1 risk-based capital ratio | 136.0682% | 38 |
| Total risk-based capital ratio | 136.0682% | 38 |
| Memoranda: | ||
| Average total assets | $385,132,500 | 1,711 |
| Average earning assets | $364,810,000 | 1,661 |
| Average equity | $219,084,500 | 370 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3530% | 6,643 |
| Cost of funding earning assets | 0.0008% | 6,632 |
| Net interest margin | 0.3521% | 6,640 |
| Noninterest income to average assets | 27.7897% | 29 |
| Noninterest expense to average assets | 11.5557% | 62 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 9.6552% | 18 |
| Return on assets (ROA) | 9.6552% | 18 |
| Pretax return on assets | 16.5585% | 17 |
| Return on Equity (ROE) | 11.5440% | 1,564 |
| Retained earnings to average equity (ytd only) | -6.5024% | 6,325 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3956% | 6,514 |
| Assets per employee ($millions) | 3.3574% | 5,147 |
| Cash dividends to net income (ytd only)* | 156.3269% | 196 |
| 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% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 0.0905% | 6,663 |
| Equity capital to assets | 78.1994% | 29 |
| Core capital (leverage) ratio | 79.1999% | 26 |
| Tier 1 risk-based capital ratio | 358.0204% | 12 |
| Total risk-based capital ratio | 358.0204% | 12 |
| Memoranda: | ||
| Average total assets | $262,572,330 | 2,433 |
| Average earning assets | $241,955,670 | 2,422 |
| Average equity | $219,611,000 | 363 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3804% | 6,717 |
| Cost of funding earning assets | 0.0017% | 6,698 |
| Net interest margin | 0.3787% | 6,714 |
| Noninterest income to average assets | 29.1184% | 29 |
| Noninterest expense to average assets | 11.9262% | 62 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 10.1906% | 20 |
| Return on assets (ROA) | 10.1906% | 20 |
| Pretax return on assets | 17.5412% | 16 |
| Return on Equity (ROE) | 11.7802% | 1,465 |
| Retained earnings to average equity (ytd only) | 11.7802% | 637 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7884% | 6,593 |
| Assets per employee ($millions) | 3.1389% | 5,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 0.0987% | 6,735 |
| Equity capital to assets | 87.9490% | 17 |
| Core capital (leverage) ratio | 83.0900% | 24 |
| Tier 1 risk-based capital ratio | 401.7357% | 14 |
| Total risk-based capital ratio | 401.7357% | 14 |
| Memoranda: | ||
| Average total assets | $257,885,000 | 2,477 |
| Average earning assets | $237,631,500 | 2,472 |
| Average equity | $223,086,000 | 355 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3781% | 6,791 |
| Cost of funding earning assets | 0.0011% | 6,796 |
| Net interest margin | 0.3770% | 6,789 |
| Noninterest income to average assets | 22.3743% | 34 |
| Noninterest expense to average assets | 10.0301% | 79 |
| Loan and lease loss provision to assets | 0.0059% | 5,007 |
| Net operating income to assets | 6.9324% | 33 |
| Return on assets (ROA) | 6.9324% | 33 |
| Pretax return on assets | 12.6874% | 24 |
| Return on Equity (ROE) | 8.9426% | 2,559 |
| Retained earnings to average equity (ytd only) | -0.0672% | 5,878 |
| Net charge-offs to loans | 470.4433% | 1 |
| Credit loss provision to net charge-offs | 8.9005% | 4,598 |
| Earnings coverage of net charge-offs (x) | 189.9738% | 238 |
| Efficiency ratio | 43.2809% | 6,632 |
| Assets per employee ($millions) | 3.2706% | 5,341 |
| Cash dividends to net income (ytd only)* | 100.7519% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 0.1119% | 6,817 |
| Equity capital to assets | 85.0686% | 21 |
| Core capital (leverage) ratio | 77.8151% | 25 |
| Tier 1 risk-based capital ratio | 361.9113% | 15 |
| Total risk-based capital ratio | 361.9113% | 15 |
| Memoranda: | ||
| Average total assets | $285,858,800 | 2,228 |
| Average earning assets | $264,751,600 | 2,223 |
| Average equity | $221,603,000 | 346 |
| Average total loans | $40,600 | 6,776 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3783% | 6,871 |
| Cost of funding earning assets | 0.0010% | 6,875 |
| Net interest margin | 0.3773% | 6,869 |
| Noninterest income to average assets | 20.7118% | 37 |
| Noninterest expense to average assets | 9.7198% | 85 |
| Loan and lease loss provision to assets | 0.0077% | 4,822 |
| Net operating income to assets | 6.6394% | 32 |
| Return on assets (ROA) | 6.6394% | 31 |
| Pretax return on assets | 11.3345% | 25 |
| Return on Equity (ROE) | 8.7526% | 2,767 |
| Retained earnings to average equity (ytd only) | -3.2358% | 6,377 |
| Net charge-offs to loans | 501.7931% | 1 |
| Credit loss provision to net charge-offs | 8.9005% | 4,227 |
| Earnings coverage of net charge-offs (x) | 130.3771% | 410 |
| Efficiency ratio | 45.2230% | 6,622 |
| Assets per employee ($millions) | 4.0289% | 3,771 |
| Cash dividends to net income (ytd only)* | 136.9692% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 0.2867% | 6,890 |
| Equity capital to assets | 68.2765% | 33 |
| Core capital (leverage) ratio | 70.4734% | 29 |
| Tier 1 risk-based capital ratio | 319.9230% | 16 |
| Total risk-based capital ratio | 319.9230% | 16 |
| Memoranda: | ||
| Average total assets | $292,728,250 | 2,203 |
| Average earning assets | $271,724,250 | 2,172 |
| Average equity | $222,053,500 | 341 |
| Average total loans | $50,750 | 6,854 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4021% | 6,923 |
| Cost of funding earning assets | 0.0008% | 6,923 |
| Net interest margin | 0.4013% | 6,918 |
| Noninterest income to average assets | 20.3892% | 38 |
| Noninterest expense to average assets | 9.8069% | 83 |
| Loan and lease loss provision to assets | 0.0119% | 4,639 |
| Net operating income to assets | 6.4261% | 31 |
| Return on assets (ROA) | 6.4261% | 31 |
| Pretax return on assets | 10.9423% | 26 |
| Return on Equity (ROE) | 8.1719% | 3,005 |
| Retained earnings to average equity (ytd only) | 8.1719% | 1,412 |
| Net charge-offs to loans | 564.5042% | 1 |
| Credit loss provision to net charge-offs | 8.9005% | 3,912 |
| Earnings coverage of net charge-offs (x) | 81.8848% | 552 |
| Efficiency ratio | 46.2486% | 6,626 |
| Assets per employee ($millions) | 3.3092% | 5,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 0.0954% | 6,945 |
| Equity capital to assets | 89.9196% | 13 |
| Core capital (leverage) ratio | 86.5123% | 12 |
| Tier 1 risk-based capital ratio | 418.1056% | 12 |
| Total risk-based capital ratio | 418.1056% | 12 |
| Memoranda: | ||
| Average total assets | $285,553,330 | 2,250 |
| Average earning assets | $264,607,330 | 2,228 |
| Average equity | $224,551,000 | 340 |
| Average total loans | $67,670 | 6,902 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3960% | 7,002 |
| Cost of funding earning assets | 0.0014% | 6,993 |
| Net interest margin | 0.3946% | 6,998 |
| Noninterest income to average assets | 19.1995% | 41 |
| Noninterest expense to average assets | 9.0973% | 95 |
| Loan and lease loss provision to assets | 0.0226% | 4,184 |
| Net operating income to assets | 6.1517% | 38 |
| Return on assets (ROA) | 6.1517% | 40 |
| Pretax return on assets | 10.4465% | 29 |
| Return on Equity (ROE) | 8.3288% | 2,802 |
| Retained earnings to average equity (ytd only) | 8.3288% | 1,629 |
| Net charge-offs to loans | 752.7094% | 1 |
| Credit loss provision to net charge-offs | 8.9005% | 3,161 |
| Earnings coverage of net charge-offs (x) | 41.2356% | 771 |
| Efficiency ratio | 45.4891% | 6,711 |
| Assets per employee ($millions) | 3.2740% | 5,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 0.1067% | 7,024 |
| Equity capital to assets | 89.0843% | 14 |
| Core capital (leverage) ratio | 75.7788% | 26 |
| Tier 1 risk-based capital ratio | 414.9803% | 11 |
| Total risk-based capital ratio | 414.9803% | 11 |
| Memoranda: | ||
| Average total assets | $300,924,500 | 2,183 |
| Average earning assets | $279,774,000 | 2,154 |
| Average equity | $222,264,000 | 352 |
| Average total loans | $101,500 | 6,979 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5496% | 7,054 |
| Cost of funding earning assets | 0.0013% | 7,071 |
| Net interest margin | 0.5483% | 7,042 |
| Noninterest income to average assets | 22.6465% | 34 |
| Noninterest expense to average assets | 10.1977% | 78 |
| Loan and lease loss provision to assets | -0.0539% | 6,868 |
| Net operating income to assets | 7.6363% | 28 |
| Return on assets (ROA) | 7.6363% | 27 |
| Pretax return on assets | 13.0057% | 25 |
| Return on Equity (ROE) | 9.2581% | 2,513 |
| Retained earnings to average equity (ytd only) | 2.4182% | 4,531 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0188% | 6,875 |
| Assets per employee ($millions) | 4.6020% | 2,783 |
| Cash dividends to net income (ytd only)* | 73.8806% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 85.7143% | 1 |
| Loan loss allowance to noncurrent loans | 85.7143% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 6,479 |
| Noncurrent loans to loans | 100.0000% | 1 |
| Net loans and leases to total assets | 0.0083% | 7,045 |
| Net loans and leases to deposits | 0.0228% | 7,045 |
| Net loans and leases to core deposits | 9.0625% | 7,020 |
| Total domestic deposits to total assets | 0.0915% | 7,087 |
| Equity capital to assets | 62.8872% | 37 |
| Core capital (leverage) ratio | 78.1254% | 27 |
| Tier 1 risk-based capital ratio | 305.0688% | 20 |
| Total risk-based capital ratio | 305.3194% | 20 |
| Memoranda: | ||
| Average total assets | $261,461,600 | 2,423 |
| Average earning assets | $239,812,200 | 2,414 |
| Average equity | $215,660,600 | 349 |
| Average total loans | $380,400 | 7,046 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6132% | 7,164 |
| Cost of funding earning assets | 0.0012% | 7,170 |
| Net interest margin | 0.6120% | 7,157 |
| Noninterest income to average assets | 24.2116% | 33 |
| Noninterest expense to average assets | 11.0440% | 70 |
| Loan and lease loss provision to assets | -0.0529% | 7,002 |
| Net operating income to assets | 8.1929% | 26 |
| Return on assets (ROA) | 8.1929% | 25 |
| Pretax return on assets | 13.7764% | 23 |
| Return on Equity (ROE) | 9.1398% | 2,731 |
| Retained earnings to average equity (ytd only) | -0.0255% | 6,080 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5270% | 6,910 |
| Assets per employee ($millions) | 2.8985% | 6,220 |
| Cash dividends to net income (ytd only)* | 100.2787% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 92.8270% | 1 |
| Loan loss allowance to noncurrent loans | 92.8270% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 0.1076% | 6,456 |
| Noncurrent loans to loans | 100.0000% | 1 |
| Net loans and leases to total assets | 0.0077% | 7,147 |
| Net loans and leases to deposits | 0.5603% | 7,143 |
| Net loans and leases to core deposits | 4.6070% | 7,129 |
| Total domestic deposits to total assets | 0.1675% | 7,184 |
| Equity capital to assets | 97.4615% | 1 |
| Core capital (leverage) ratio | 85.1348% | 15 |
| Tier 1 risk-based capital ratio | 419.9024% | 13 |
| Total risk-based capital ratio | 420.3498% | 13 |
| Memoranda: | ||
| Average total assets | $239,388,750 | 2,662 |
| Average earning assets | $217,422,500 | 2,669 |
| Average equity | $214,588,250 | 347 |
| Average total loans | $424,750 | 7,143 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5954% | 7,225 |
| Cost of funding earning assets | 0.0009% | 7,232 |
| Net interest margin | 0.5945% | 7,222 |
| Noninterest income to average assets | 22.9349% | 35 |
| Noninterest expense to average assets | 10.5739% | 74 |
| Loan and lease loss provision to assets | -0.0382% | 7,061 |
| Net operating income to assets | 7.6075% | 27 |
| Return on assets (ROA) | 7.6075% | 27 |
| Pretax return on assets | 12.9413% | 23 |
| Return on Equity (ROE) | 8.7139% | 2,932 |
| Retained earnings to average equity (ytd only) | -5.0365% | 6,619 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.9337% | 6,961 |
| Assets per employee ($millions) | 2.9762% | 6,113 |
| Cash dividends to net income (ytd only)* | 157.7985% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 59.2920% | 1 |
| Loan loss allowance to noncurrent loans | 98.1685% | 3,249 |
| Noncurrent assets plus other real estate owned to assets | 0.1223% | 6,483 |
| Noncurrent loans to loans | 60.3982% | 1 |
| Net loans and leases to total assets | 0.0824% | 7,207 |
| Net loans and leases to deposits | 1.5946% | 7,206 |
| Net loans and leases to core deposits | 87.6190% | 2,247 |
| Total domestic deposits to total assets | 0.0941% | 7,251 |
| Equity capital to assets | 93.7792% | 5 |
| Core capital (leverage) ratio | 77.3133% | 20 |
| Tier 1 risk-based capital ratio | 393.3979% | 12 |
| Total risk-based capital ratio | 393.9227% | 12 |
| Memoranda: | ||
| Average total assets | $245,756,330 | 2,594 |
| Average earning assets | $224,064,000 | 2,598 |
| Average equity | $214,553,000 | 343 |
| Average total loans | $487,330 | 7,205 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5835% | 7,290 |
| Cost of funding earning assets | 0.0017% | 7,292 |
| Net interest margin | 0.5818% | 7,285 |
| Noninterest income to average assets | 22.2173% | 33 |
| Noninterest expense to average assets | 9.8216% | 84 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 7.6148% | 30 |
| Return on assets (ROA) | 7.6148% | 31 |
| Pretax return on assets | 12.9295% | 26 |
| Return on Equity (ROE) | 9.0126% | 2,829 |
| Retained earnings to average equity (ytd only) | 9.0126% | 1,595 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0685% | 7,053 |
| Assets per employee ($millions) | 3.2942% | 5,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 64.5492% | 1 |
| Loan loss allowance to noncurrent loans | 102.2727% | 3,025 |
| Noncurrent assets plus other real estate owned to assets | 0.1263% | 6,575 |
| Noncurrent loans to loans | 63.1148% | 1 |
| Net loans and leases to total assets | 0.0710% | 7,269 |
| Net loans and leases to deposits | 0.8749% | 7,268 |
| Net loans and leases to core deposits | 70.0405% | 4,413 |
| Total domestic deposits to total assets | 0.1013% | 7,313 |
| Equity capital to assets | 90.0890% | 9 |
| Core capital (leverage) ratio | 78.1943% | 21 |
| Tier 1 risk-based capital ratio | 424.2703% | 8 |
| Total risk-based capital ratio | 424.9035% | 8 |
| Memoranda: | ||
| Average total assets | $257,025,500 | 2,499 |
| Average earning assets | $235,836,500 | 2,485 |
| Average equity | $217,163,500 | 336 |
| Average total loans | $505,000 | 7,268 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6540% | 7,335 |
| Cost of funding earning assets | 0.0388% | 7,332 |
| Net interest margin | 0.6153% | 7,326 |
| Noninterest income to average assets | 18.3335% | 35 |
| Noninterest expense to average assets | 9.3643% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 5.5289% | 37 |
| Return on assets (ROA) | 5.5453% | 38 |
| Pretax return on assets | 9.5613% | 28 |
| Return on Equity (ROE) | 6.9762% | 3,415 |
| Retained earnings to average equity (ytd only) | 1.7617% | 4,959 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1960% | 6,939 |
| Assets per employee ($millions) | 3.7025% | 4,549 |
| Cash dividends to net income (ytd only)* | 74.7475% | 968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 60.3448% | 1 |
| Loan loss allowance to noncurrent loans | 92.1053% | 3,260 |
| Noncurrent assets plus other real estate owned to assets | 0.1265% | 6,633 |
| Noncurrent loans to loans | 65.5172% | 1 |
| Net loans and leases to total assets | 0.0766% | 7,318 |
| Net loans and leases to deposits | 0.3900% | 7,318 |
| Net loans and leases to core deposits | 69.4631% | 4,853 |
| Total domestic deposits to total assets | 0.1103% | 7,361 |
| Equity capital to assets | 79.4421% | 20 |
| Core capital (leverage) ratio | 76.5178% | 21 |
| Tier 1 risk-based capital ratio | 375.7492% | 10 |
| Total risk-based capital ratio | 376.3237% | 10 |
| Memoranda: | ||
| Average total assets | $266,010,400 | 2,370 |
| Average earning assets | $244,937,400 | 2,347 |
| Average equity | $211,446,000 | 332 |
| Average total loans | $574,400 | 7,316 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6866% | 7,414 |
| Cost of funding earning assets | 0.0520% | 7,401 |
| Net interest margin | 0.6346% | 7,407 |
| Noninterest income to average assets | 17.9813% | 36 |
| Noninterest expense to average assets | 9.1363% | 88 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 5.4403% | 37 |
| Return on assets (ROA) | 5.4622% | 39 |
| Pretax return on assets | 9.4629% | 29 |
| Return on Equity (ROE) | 6.8707% | 3,581 |
| Retained earnings to average equity (ytd only) | -0.1089% | 5,989 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8193% | 6,969 |
| Assets per employee ($millions) | 3.7219% | 4,489 |
| Cash dividends to net income (ytd only)* | 101.5847% | 289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 56.4516% | 2 |
| Loan loss allowance to noncurrent loans | 83.3333% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 0.1494% | 6,674 |
| Noncurrent loans to loans | 67.7419% | 2 |
| Net loans and leases to total assets | 0.0960% | 7,397 |
| Net loans and leases to deposits | 0.6106% | 7,395 |
| Net loans and leases to core deposits | 4.0473% | 7,378 |
| Total domestic deposits to total assets | 2.3723% | 7,426 |
| Equity capital to assets | 83.2998% | 20 |
| Core capital (leverage) ratio | 75.4949% | 29 |
| Tier 1 risk-based capital ratio | 393.4309% | 11 |
| Total risk-based capital ratio | 394.0445% | 11 |
| Memoranda: | ||
| Average total assets | $264,942,750 | 2,390 |
| Average earning assets | $243,722,000 | 2,370 |
| Average equity | $210,628,250 | 338 |
| Average total loans | $587,500 | 7,391 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7404% | 7,488 |
| Cost of funding earning assets | 0.0606% | 7,472 |
| Net interest margin | 0.6797% | 7,479 |
| Noninterest income to average assets | 17.4819% | 39 |
| Noninterest expense to average assets | 8.9544% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 5.1570% | 49 |
| Return on assets (ROA) | 5.1894% | 49 |
| Pretax return on assets | 9.2036% | 35 |
| Return on Equity (ROE) | 6.6270% | 3,632 |
| Retained earnings to average equity (ytd only) | -3.8459% | 6,460 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.0263% | 7,062 |
| Assets per employee ($millions) | 3.6256% | 4,625 |
| Cash dividends to net income (ytd only)* | 158.0335% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 55.9503% | 1 |
| Loan loss allowance to noncurrent loans | 76.2712% | 3,687 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 6,682 |
| Noncurrent loans to loans | 73.3570% | 1 |
| Net loans and leases to total assets | 0.0977% | 7,471 |
| Net loans and leases to deposits | 0.5502% | 7,471 |
| Net loans and leases to core deposits | 11.6377% | 7,443 |
| Total domestic deposits to total assets | 11.5024% | 7,483 |
| Equity capital to assets | 81.5414% | 24 |
| Core capital (leverage) ratio | 76.8508% | 29 |
| Tier 1 risk-based capital ratio | 458.2666% | 5 |
| Total risk-based capital ratio | 458.9960% | 5 |
| Memoranda: | ||
| Average total assets | $268,894,670 | 2,376 |
| Average earning assets | $247,444,330 | 2,353 |
| Average equity | $210,564,000 | 338 |
| Average total loans | $597,330 | 7,468 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7909% | 7,549 |
| Cost of funding earning assets | 0.0597% | 7,537 |
| Net interest margin | 0.7311% | 7,538 |
| Noninterest income to average assets | 16.4039% | 42 |
| Noninterest expense to average assets | 8.7539% | 90 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 4.6779% | 55 |
| Return on assets (ROA) | 4.6779% | 56 |
| Pretax return on assets | 8.3228% | 37 |
| Return on Equity (ROE) | 6.0893% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.0893% | 2,588 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7797% | 7,003 |
| Assets per employee ($millions) | 4.0344% | 3,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 52.7638% | 1 |
| Loan loss allowance to noncurrent loans | 70.4698% | 3,901 |
| Noncurrent assets plus other real estate owned to assets | 0.1539% | 6,782 |
| Noncurrent loans to loans | 74.8744% | 1 |
| Net loans and leases to total assets | 0.0971% | 7,533 |
| Net loans and leases to deposits | 0.3837% | 7,534 |
| Net loans and leases to core deposits | 7.5583% | 7,510 |
| Total domestic deposits to total assets | 10.6005% | 7,549 |
| Equity capital to assets | 73.6454% | 33 |
| Core capital (leverage) ratio | 79.0467% | 22 |
| Tier 1 risk-based capital ratio | 406.9332% | 11 |
| Total risk-based capital ratio | 407.5584% | 11 |
| Memoranda: | ||
| Average total assets | $276,447,000 | 2,334 |
| Average earning assets | $254,407,000 | 2,320 |
| Average equity | $212,374,000 | 337 |
| Average total loans | $614,500 | 7,527 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6584% | 7,617 |
| Cost of funding earning assets | 0.0292% | 7,617 |
| Net interest margin | 0.6292% | 7,602 |
| Noninterest income to average assets | 16.1591% | 45 |
| Noninterest expense to average assets | 9.9850% | 82 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 3.9509% | 43 |
| Return on assets (ROA) | 4.4432% | 39 |
| Pretax return on assets | 7.5172% | 29 |
| Return on Equity (ROE) | 5.2512% | 3,969 |
| Retained earnings to average equity (ytd only) | -7.1515% | 6,466 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8956% | 6,348 |
| Assets per employee ($millions) | 3.4989% | 4,933 |
| Cash dividends to net income (ytd only)* | 236.1872% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 49.8418% | 1 |
| Loan loss allowance to noncurrent loans | 65.3527% | 4,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1837% | 6,769 |
| Noncurrent loans to loans | 76.2658% | 1 |
| Net loans and leases to total assets | 0.1208% | 7,612 |
| Net loans and leases to deposits | 0.6433% | 7,613 |
| Net loans and leases to core deposits | 13.0078% | 7,575 |
| Total domestic deposits to total assets | 11.2409% | 7,625 |
| Equity capital to assets | 80.3397% | 27 |
| Core capital (leverage) ratio | 74.6609% | 29 |
| Tier 1 risk-based capital ratio | 446.9077% | 9 |
| Total risk-based capital ratio | 447.6060% | 9 |
| Memoranda: | ||
| Average total assets | $248,151,800 | 2,556 |
| Average earning assets | $226,302,800 | 2,559 |
| Average equity | $209,970,800 | 337 |
| Average total loans | $693,600 | 7,610 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5972% | 7,735 |
| Cost of funding earning assets | 0.0150% | 7,734 |
| Net interest margin | 0.5822% | 7,721 |
| Noninterest income to average assets | 15.4914% | 45 |
| Noninterest expense to average assets | 9.9791% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 3.3159% | 64 |
| Return on assets (ROA) | 3.7199% | 47 |
| Pretax return on assets | 6.6734% | 33 |
| Return on Equity (ROE) | 4.3376% | 4,622 |
| Retained earnings to average equity (ytd only) | -12.2157% | 6,980 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3811% | 5,894 |
| Assets per employee ($millions) | 3.2135% | 5,649 |
| Cash dividends to net income (ytd only)* | 381.6237% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 46.5976% | 2 |
| Loan loss allowance to noncurrent loans | 60.8108% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 0.2149% | 6,829 |
| Noncurrent loans to loans | 76.6272% | 1 |
| Net loans and leases to total assets | 0.1498% | 7,712 |
| Net loans and leases to deposits | 1.1602% | 7,713 |
| Net loans and leases to core deposits | 16.2980% | 7,674 |
| Total domestic deposits to total assets | 12.1470% | 7,729 |
| Equity capital to assets | 85.8017% | 17 |
| Core capital (leverage) ratio | 86.6578% | 13 |
| Tier 1 risk-based capital ratio | 476.5549% | 8 |
| Total risk-based capital ratio | 477.3160% | 8 |
| Memoranda: | ||
| Average total assets | $244,585,500 | 2,641 |
| Average earning assets | $222,590,750 | 2,636 |
| Average equity | $209,757,250 | 332 |
| Average total loans | $709,000 | 7,712 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5653% | 7,810 |
| Cost of funding earning assets | 0.0045% | 7,812 |
| Net interest margin | 0.5609% | 7,793 |
| Noninterest income to average assets | 14.8412% | 46 |
| Noninterest expense to average assets | 9.8480% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 3.1806% | 74 |
| Return on assets (ROA) | 3.5895% | 57 |
| Pretax return on assets | 6.1414% | 39 |
| Return on Equity (ROE) | 4.1861% | 4,693 |
| Retained earnings to average equity (ytd only) | -20.5282% | 7,265 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1554% | 5,664 |
| Assets per employee ($millions) | 2.8630% | 6,428 |
| Cash dividends to net income (ytd only)* | 590.3877% | 35 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 46.6667% | 2 |
| Loan loss allowance to noncurrent loans | 57.0652% | 4,506 |
| Noncurrent assets plus other real estate owned to assets | 0.2605% | 6,747 |
| Noncurrent loans to loans | 81.7778% | 1 |
| Net loans and leases to total assets | 0.1699% | 7,782 |
| Net loans and leases to deposits | 6.7797% | 7,777 |
| Net loans and leases to core deposits | 52.5547% | 7,108 |
| Total domestic deposits to total assets | 0.3233% | 7,833 |
| Equity capital to assets | 96.4717% | 4 |
| Core capital (leverage) ratio | 92.6793% | 10 |
| Tier 1 risk-based capital ratio | 476.5278% | 8 |
| Total risk-based capital ratio | 477.2990% | 8 |
| Memoranda: | ||
| Average total assets | $245,775,670 | 2,641 |
| Average earning assets | $223,228,330 | 2,647 |
| Average equity | $210,744,670 | 330 |
| Average total loans | $720,000 | 7,781 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4656% | 7,916 |
| Cost of funding earning assets | 0.0050% | 7,910 |
| Net interest margin | 0.4605% | 7,901 |
| Noninterest income to average assets | 13.5742% | 55 |
| Noninterest expense to average assets | 9.1408% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.8226% | 106 |
| Return on assets (ROA) | 2.8226% | 111 |
| Pretax return on assets | 4.8536% | 64 |
| Return on Equity (ROE) | 3.4666% | 5,131 |
| Retained earnings to average equity (ytd only) | -45.2272% | 7,676 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2507% | 5,619 |
| Assets per employee ($millions) | 3.7079% | 4,557 |
| Cash dividends to net income (ytd only)* | 1,404.6386% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 43.7500% | 2 |
| Loan loss allowance to noncurrent loans | 53.6627% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 6,916 |
| Noncurrent loans to loans | 81.5278% | 2 |
| Net loans and leases to total assets | 0.1496% | 7,884 |
| Net loans and leases to deposits | 0.6194% | 7,884 |
| Net loans and leases to core deposits | 10.4113% | 7,856 |
| Total domestic deposits to total assets | 1.4371% | 7,921 |
| Equity capital to assets | 74.5628% | 34 |
| Core capital (leverage) ratio | 79.5948% | 25 |
| Tier 1 risk-based capital ratio | 362.3742% | 16 |
| Total risk-based capital ratio | 362.9690% | 16 |
| Memoranda: | ||
| Average total assets | $262,733,500 | 2,543 |
| Average earning assets | $239,715,000 | 2,537 |
| Average equity | $213,924,500 | 327 |
| Average total loans | $742,500 | 7,883 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8578% | 7,980 |
| Cost of funding earning assets | 0.0037% | 7,998 |
| Net interest margin | 0.8541% | 7,944 |
| Noninterest income to average assets | 14.0046% | 53 |
| Noninterest expense to average assets | 8.9705% | 111 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 3.2569% | 49 |
| Return on assets (ROA) | 3.2573% | 51 |
| Pretax return on assets | 5.8105% | 35 |
| Return on Equity (ROE) | 4.3752% | 3,939 |
| Retained earnings to average equity (ytd only) | 4.3752% | 2,182 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9206% | 6,629 |
| Assets per employee ($millions) | 3.3972% | 5,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 41.1765% | 2 |
| Loan loss allowance to noncurrent loans | 50.6431% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 6,849 |
| Noncurrent loans to loans | 81.3072% | 2 |
| Net loans and leases to total assets | 0.1766% | 7,960 |
| Net loans and leases to deposits | 1.7421% | 7,960 |
| Net loans and leases to core deposits | 71.0900% | 6,707 |
| Total domestic deposits to total assets | 0.2484% | 8,011 |
| Equity capital to assets | 88.7103% | 18 |
| Core capital (leverage) ratio | 93.0182% | 7 |
| Tier 1 risk-based capital ratio | 421.1670% | 9 |
| Total risk-based capital ratio | 421.7815% | 9 |
| Memoranda: | ||
| Average total assets | $297,117,600 | 2,232 |
| Average earning assets | $269,885,000 | 2,237 |
| Average equity | $221,203,600 | 324 |
| Average total loans | $92,811,600 | 4,139 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9447% | 8,063 |
| Cost of funding earning assets | 0.0038% | 8,082 |
| Net interest margin | 0.9409% | 8,026 |
| Noninterest income to average assets | 13.5995% | 53 |
| Noninterest expense to average assets | 8.4920% | 134 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 3.2385% | 52 |
| Return on assets (ROA) | 3.2390% | 55 |
| Pretax return on assets | 5.9628% | 34 |
| Return on Equity (ROE) | 4.5302% | 4,146 |
| Retained earnings to average equity (ytd only) | 4.5302% | 2,739 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7677% | 6,897 |
| Assets per employee ($millions) | 2.9226% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3125% | 7,901 |
| Loan loss allowance to noncurrent loans | 47.9452% | 5,116 |
| Noncurrent assets plus other real estate owned to assets | 0.2741% | 6,820 |
| Noncurrent loans to loans | 0.6517% | 5,994 |
| Net loans and leases to total assets | 41.9341% | 7,369 |
| Net loans and leases to deposits | 767.1960% | 15 |
| Net loans and leases to core deposits | 20,343.1174% | 7 |
| Total domestic deposits to total assets | 0.2061% | 8,099 |
| Equity capital to assets | 93.3970% | 6 |
| Core capital (leverage) ratio | 82.0759% | 27 |
| Tier 1 risk-based capital ratio | 434.5317% | 8 |
| Total risk-based capital ratio | 435.1726% | 8 |
| Memoranda: | ||
| Average total assets | $307,699,750 | 2,187 |
| Average earning assets | $279,448,000 | 2,200 |
| Average equity | $219,998,500 | 337 |
| Average total loans | $115,823,250 | 3,600 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9175% | 8,161 |
| Cost of funding earning assets | 0.0007% | 8,177 |
| Net interest margin | 0.9169% | 8,111 |
| Noninterest income to average assets | 12.5412% | 59 |
| Noninterest expense to average assets | 8.0101% | 161 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.9334% | 65 |
| Return on assets (ROA) | 2.9342% | 74 |
| Pretax return on assets | 5.3665% | 36 |
| Return on Equity (ROE) | 4.4321% | 4,324 |
| Retained earnings to average equity (ytd only) | 4.4321% | 2,827 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8683% | 6,882 |
| Assets per employee ($millions) | 3.1250% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2237% | 8,053 |
| Loan loss allowance to noncurrent loans | 45.5202% | 5,325 |
| Noncurrent assets plus other real estate owned to assets | 0.2545% | 6,838 |
| Noncurrent loans to loans | 0.4915% | 6,295 |
| Net loans and leases to total assets | 51.6670% | 6,722 |
| Net loans and leases to deposits | 293.7248% | 25 |
| Net loans and leases to core deposits | 33,129.2453% | 3 |
| Total domestic deposits to total assets | 0.1560% | 8,196 |
| Equity capital to assets | 81.3552% | 29 |
| Core capital (leverage) ratio | 72.9757% | 34 |
| Tier 1 risk-based capital ratio | 380.1898% | 15 |
| Total risk-based capital ratio | 380.7581% | 15 |
| Memoranda: | ||
| Average total assets | $330,383,000 | 2,098 |
| Average earning assets | $300,583,670 | 2,112 |
| Average equity | $218,722,670 | 346 |
| Average total loans | $120,827,670 | 3,520 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8210% | 8,219 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 0.8210% | 8,178 |
| Noninterest income to average assets | 12.0532% | 60 |
| Noninterest expense to average assets | 8.1348% | 150 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.5300% | 127 |
| Return on assets (ROA) | 2.5314% | 153 |
| Pretax return on assets | 4.6714% | 47 |
| Return on Equity (ROE) | 4.1859% | 4,854 |
| Retained earnings to average equity (ytd only) | 4.1859% | 3,587 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5792% | 6,135 |
| Assets per employee ($millions) | 3.1494% | 5,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2237% | 8,093 |
| Loan loss allowance to noncurrent loans | 43.3884% | 5,628 |
| Noncurrent assets plus other real estate owned to assets | 0.2590% | 6,733 |
| Noncurrent loans to loans | 0.5155% | 6,138 |
| Net loans and leases to total assets | 50.1293% | 6,853 |
| Net loans and leases to deposits | 241.6662% | 26 |
| Net loans and leases to core deposits | 241.6662% | 76 |
| Total domestic deposits to total assets | 20.7432% | 8,187 |
| Equity capital to assets | 77.9942% | 34 |
| Core capital (leverage) ratio | 77.0835% | 34 |
| Tier 1 risk-based capital ratio | 360.9492% | 17 |
| Total risk-based capital ratio | 361.4960% | 17 |
| Memoranda: | ||
| Average total assets | $359,638,500 | 1,932 |
| Average earning assets | $328,872,000 | 1,926 |
| Average equity | $217,493,000 | 347 |
| Average total loans | $110,850,000 | 3,773 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9154% | 8,233 |
| Cost of funding earning assets | 0.0293% | 8,280 |
| Net interest margin | 1.8861% | 8,112 |
| Noninterest income to average assets | 17.6159% | 51 |
| Noninterest expense to average assets | 9.1150% | 169 |
| Loan and lease loss provision to assets | -0.0207% | 8,215 |
| Net operating income to assets | 5.6358% | 31 |
| Return on assets (ROA) | 5.6358% | 33 |
| Pretax return on assets | 10.2291% | 27 |
| Return on Equity (ROE) | 7.8070% | 3,148 |
| Retained earnings to average equity (ytd only) | 4.5972% | 2,266 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6216% | 7,895 |
| Assets per employee ($millions) | 4.9323% | 2,019 |
| Cash dividends to net income (ytd only)* | 41.1146% | 3,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3895% | 7,994 |
| Loan loss allowance to noncurrent loans | 41.3386% | 5,970 |
| Noncurrent assets plus other real estate owned to assets | 0.1736% | 6,873 |
| Noncurrent loans to loans | 0.9422% | 4,724 |
| Net loans and leases to total assets | 18.3513% | 8,165 |
| Net loans and leases to deposits | 36.5681% | 8,011 |
| Net loans and leases to core deposits | 36.5681% | 8,103 |
| Total domestic deposits to total assets | 50.1838% | 8,123 |
| Equity capital to assets | 49.2893% | 79 |
| Core capital (leverage) ratio | 57.7066% | 67 |
| Tier 1 risk-based capital ratio | 412.9017% | 13 |
| Total risk-based capital ratio | 413.5349% | 13 |
| Memoranda: | ||
| Average total assets | $290,356,800 | 2,252 |
| Average earning assets | $262,876,000 | 2,267 |
| Average equity | $209,606,600 | 359 |
| Average total loans | $26,975,800 | 6,897 |