Home > Mizuho Trust & Banking Co. USA > Performance and Condition Ratios
Mizuho Trust & Banking Co. USA, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2970% | 5,713 |
| Cost of funding earning assets | 0.0961% | 5,567 |
| Net interest margin | 1.2009% | 5,709 |
| Noninterest income to average assets | 6.8398% | 85 |
| Noninterest expense to average assets | 6.3056% | 137 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0027% | 2,540 |
| Return on assets (ROA) | 1.0027% | 2,587 |
| Pretax return on assets | 1.5777% | 1,493 |
| Return on Equity (ROE) | 9.4838% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.4838% | 714 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9864% | 1,106 |
| Assets per employee ($millions) | 5.8162% | 1,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| 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% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 89.8480% | 527 |
| Equity capital to assets | 8.8117% | 5,070 |
| Core capital (leverage) ratio | 9.8505% | 3,753 |
| Tier 1 risk-based capital ratio | 97.5416% | 42 |
| Total risk-based capital ratio | 97.5416% | 43 |
| Memoranda: | ||
| Average total assets | $673,609,000 | 1,088 |
| Average earning assets | $585,322,500 | 1,144 |
| Average equity | $71,221,500 | 1,124 |
| Average total loans | $843,750 | 5,705 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3300% | 5,759 |
| Cost of funding earning assets | 0.0330% | 5,739 |
| Net interest margin | 1.2970% | 5,749 |
| Noninterest income to average assets | 7.3302% | 82 |
| Noninterest expense to average assets | 6.7519% | 133 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0627% | 2,154 |
| Return on assets (ROA) | 1.0627% | 2,198 |
| Pretax return on assets | 1.6721% | 1,123 |
| Return on Equity (ROE) | 9.3488% | 2,332 |
| Retained earnings to average equity (ytd only) | 9.3488% | 743 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1504% | 1,196 |
| Assets per employee ($millions) | 4.2734% | 3,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| 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% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 86.7110% | 2,082 |
| Equity capital to assets | 11.5436% | 2,284 |
| Core capital (leverage) ratio | 9.7660% | 3,817 |
| Tier 1 risk-based capital ratio | 76.0442% | 55 |
| Total risk-based capital ratio | 76.0442% | 56 |
| Memoranda: | ||
| Average total assets | $618,970,000 | 1,178 |
| Average earning assets | $521,973,330 | 1,273 |
| Average equity | $70,362,000 | 1,133 |
| Average total loans | $1,125,000 | 5,755 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2081% | 5,834 |
| Cost of funding earning assets | 0.0359% | 5,804 |
| Net interest margin | 1.1722% | 5,825 |
| Noninterest income to average assets | 7.1884% | 84 |
| Noninterest expense to average assets | 6.5143% | 143 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0349% | 2,146 |
| Return on assets (ROA) | 1.0349% | 2,197 |
| Pretax return on assets | 1.6279% | 1,168 |
| Return on Equity (ROE) | 9.1757% | 2,326 |
| Retained earnings to average equity (ytd only) | 9.1757% | 1,024 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0064% | 1,382 |
| Assets per employee ($millions) | 5.1704% | 2,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 0.4441% | 5,823 |
| Net loans and leases to deposits | 0.4953% | 5,822 |
| Net loans and leases to core deposits | 0.4956% | 5,811 |
| Total domestic deposits to total assets | 89.6566% | 821 |
| Equity capital to assets | 9.2532% | 4,564 |
| Core capital (leverage) ratio | 10.7002% | 2,688 |
| Tier 1 risk-based capital ratio | 46.1752% | 161 |
| Total risk-based capital ratio | 46.1752% | 169 |
| Memoranda: | ||
| Average total assets | $616,493,500 | 1,178 |
| Average earning assets | $501,599,500 | 1,312 |
| Average equity | $69,531,500 | 1,141 |
| Average total loans | $1,687,500 | 5,822 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7800% | 5,891 |
| Cost of funding earning assets | 0.0264% | 5,866 |
| Net interest margin | 0.7535% | 5,890 |
| Noninterest income to average assets | 6.2761% | 94 |
| Noninterest expense to average assets | 5.8062% | 177 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7119% | 3,731 |
| Return on assets (ROA) | 0.7119% | 3,845 |
| Pretax return on assets | 1.1278% | 2,980 |
| Return on Equity (ROE) | 7.5738% | 3,181 |
| Retained earnings to average equity (ytd only) | 7.5738% | 1,012 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7354% | 1,035 |
| Assets per employee ($millions) | 3.3542% | 4,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| 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% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 83.2818% | 3,665 |
| Equity capital to assets | 14.5334% | 722 |
| Core capital (leverage) ratio | 9.6086% | 3,954 |
| Tier 1 risk-based capital ratio | 73.2342% | 57 |
| Total risk-based capital ratio | 73.2342% | 57 |
| Memoranda: | ||
| Average total assets | $702,442,200 | 1,020 |
| Average earning assets | $613,244,200 | 1,064 |
| Average equity | $66,030,400 | 1,186 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6878% | 5,964 |
| Cost of funding earning assets | 0.0246% | 5,933 |
| Net interest margin | 0.6633% | 5,963 |
| Noninterest income to average assets | 5.7374% | 109 |
| Noninterest expense to average assets | 5.3510% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6114% | 4,244 |
| Return on assets (ROA) | 0.6114% | 4,359 |
| Pretax return on assets | 0.9644% | 3,762 |
| Return on Equity (ROE) | 7.1077% | 3,503 |
| Retained earnings to average equity (ytd only) | 7.1077% | 1,569 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7291% | 931 |
| Assets per employee ($millions) | 5.4776% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| 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% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 89.9868% | 485 |
| Equity capital to assets | 8.5813% | 5,490 |
| Core capital (leverage) ratio | 8.1768% | 5,591 |
| Tier 1 risk-based capital ratio | 60.0189% | 83 |
| Total risk-based capital ratio | 60.0189% | 89 |
| Memoranda: | ||
| Average total assets | $759,818,000 | 949 |
| Average earning assets | $662,157,500 | 1,005 |
| Average equity | $65,354,500 | 1,209 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6513% | 6,044 |
| Cost of funding earning assets | 0.0237% | 6,015 |
| Net interest margin | 0.6276% | 6,042 |
| Noninterest income to average assets | 5.7128% | 105 |
| Noninterest expense to average assets | 5.3665% | 228 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.5681% | 4,406 |
| Return on assets (ROA) | 0.5681% | 4,531 |
| Pretax return on assets | 0.8963% | 3,964 |
| Return on Equity (ROE) | 6.5993% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.5993% | 1,817 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6888% | 909 |
| Assets per employee ($millions) | 5.3184% | 1,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| 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% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 89.9696% | 501 |
| Equity capital to assets | 8.7838% | 5,415 |
| Core capital (leverage) ratio | 7.6508% | 5,845 |
| Tier 1 risk-based capital ratio | 65.0545% | 81 |
| Total risk-based capital ratio | 65.0545% | 83 |
| Memoranda: | ||
| Average total assets | $751,992,000 | 956 |
| Average earning assets | $659,019,000 | 1,005 |
| Average equity | $64,733,670 | 1,217 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5874% | 6,107 |
| Cost of funding earning assets | 0.0223% | 6,076 |
| Net interest margin | 0.5651% | 6,107 |
| Noninterest income to average assets | 5.6029% | 105 |
| Noninterest expense to average assets | 5.3612% | 227 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4600% | 4,783 |
| Return on assets (ROA) | 0.4600% | 4,867 |
| Pretax return on assets | 0.7256% | 4,431 |
| Return on Equity (ROE) | 5.3985% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.3985% | 2,713 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0792% | 811 |
| Assets per employee ($millions) | 5.4300% | 1,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| 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 | 90.5611% | 415 |
| Equity capital to assets | 8.4374% | 5,609 |
| Core capital (leverage) ratio | 8.3330% | 5,539 |
| Tier 1 risk-based capital ratio | 56.3932% | 103 |
| Total risk-based capital ratio | 56.3932% | 105 |
| Memoranda: | ||
| Average total assets | $753,043,500 | 953 |
| Average earning assets | $644,873,000 | 1,020 |
| Average equity | $64,166,000 | 1,222 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3410% | 6,170 |
| Cost of funding earning assets | 0.0240% | 6,138 |
| Net interest margin | 0.3169% | 6,169 |
| Noninterest income to average assets | 5.2334% | 119 |
| Noninterest expense to average assets | 4.6150% | 378 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5256% | 4,598 |
| Return on assets (ROA) | 0.5256% | 4,679 |
| Pretax return on assets | 0.8763% | 3,933 |
| Return on Equity (ROE) | 6.9367% | 3,540 |
| Retained earnings to average equity (ytd only) | 6.9367% | 1,312 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0424% | 1,175 |
| Assets per employee ($millions) | 5.2145% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| 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 | 90.0815% | 598 |
| Equity capital to assets | 8.6072% | 5,458 |
| Core capital (leverage) ratio | 7.9093% | 5,877 |
| Tier 1 risk-based capital ratio | 61.7454% | 83 |
| Total risk-based capital ratio | 61.7454% | 84 |
| Memoranda: | ||
| Average total assets | $813,678,200 | 854 |
| Average earning assets | $661,956,000 | 961 |
| Average equity | $61,657,200 | 1,222 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3147% | 6,258 |
| Cost of funding earning assets | 0.0241% | 6,224 |
| Net interest margin | 0.2906% | 6,257 |
| Noninterest income to average assets | 5.1380% | 126 |
| Noninterest expense to average assets | 4.5149% | 405 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5418% | 4,623 |
| Return on assets (ROA) | 0.5418% | 4,719 |
| Pretax return on assets | 0.8550% | 4,155 |
| Return on Equity (ROE) | 7.3733% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.3733% | 1,510 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0784% | 1,160 |
| Assets per employee ($millions) | 5.8911% | 1,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| 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 | 91.1816% | 210 |
| Equity capital to assets | 7.6189% | 6,057 |
| Core capital (leverage) ratio | 8.2676% | 5,735 |
| Tier 1 risk-based capital ratio | 49.9233% | 136 |
| Total risk-based capital ratio | 49.9233% | 144 |
| Memoranda: | ||
| Average total assets | $831,983,250 | 844 |
| Average earning assets | $663,878,750 | 964 |
| Average equity | $61,138,250 | 1,241 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3036% | 6,336 |
| Cost of funding earning assets | 0.0244% | 6,302 |
| Net interest margin | 0.2792% | 6,337 |
| Noninterest income to average assets | 5.1549% | 127 |
| Noninterest expense to average assets | 4.5034% | 422 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5556% | 4,537 |
| Return on assets (ROA) | 0.5556% | 4,645 |
| Pretax return on assets | 0.8768% | 4,043 |
| Return on Equity (ROE) | 7.6537% | 3,234 |
| Retained earnings to average equity (ytd only) | 7.6537% | 1,404 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7031% | 1,295 |
| Assets per employee ($millions) | 5.1675% | 2,074 |
| 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 | 26.9512% | 6,311 |
| Equity capital to assets | 8.4783% | 5,703 |
| Core capital (leverage) ratio | 7.3135% | 6,134 |
| Tier 1 risk-based capital ratio | 54.2200% | 126 |
| Total risk-based capital ratio | 54.2200% | 128 |
| Memoranda: | ||
| Average total assets | $834,393,670 | 843 |
| Average earning assets | $673,276,670 | 960 |
| Average equity | $60,572,000 | 1,264 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2837% | 6,411 |
| Cost of funding earning assets | 0.0236% | 6,374 |
| Net interest margin | 0.2602% | 6,410 |
| Noninterest income to average assets | 4.8093% | 136 |
| Noninterest expense to average assets | 4.2314% | 535 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4639% | 4,816 |
| Return on assets (ROA) | 0.4639% | 4,932 |
| Pretax return on assets | 0.7871% | 4,287 |
| Return on Equity (ROE) | 6.8634% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.8634% | 2,072 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3155% | 1,341 |
| Assets per employee ($millions) | 6.9018% | 889 |
| 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 | 30.6119% | 6,380 |
| Equity capital to assets | 6.3048% | 6,324 |
| Core capital (leverage) ratio | 7.0223% | 6,236 |
| Tier 1 risk-based capital ratio | 40.2327% | 261 |
| Total risk-based capital ratio | 40.2327% | 272 |
| Memoranda: | ||
| Average total assets | $887,278,500 | 790 |
| Average earning assets | $713,346,000 | 905 |
| Average equity | $59,970,500 | 1,280 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3325% | 6,494 |
| Cost of funding earning assets | 0.0267% | 6,459 |
| Net interest margin | 0.3059% | 6,493 |
| Noninterest income to average assets | 5.0849% | 127 |
| Noninterest expense to average assets | 4.2850% | 553 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5501% | 4,598 |
| Return on assets (ROA) | 0.5501% | 4,685 |
| Pretax return on assets | 1.0321% | 3,381 |
| Return on Equity (ROE) | 8.1070% | 3,076 |
| Retained earnings to average equity (ytd only) | 8.1070% | 985 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5892% | 1,835 |
| Assets per employee ($millions) | 5.9809% | 1,391 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 24.4565% | 6,475 |
| Equity capital to assets | 7.2768% | 6,287 |
| Core capital (leverage) ratio | 7.3724% | 6,245 |
| Tier 1 risk-based capital ratio | 46.8220% | 155 |
| Total risk-based capital ratio | 46.8220% | 167 |
| Memoranda: | ||
| Average total assets | $844,604,400 | 799 |
| Average earning assets | $641,148,200 | 959 |
| Average equity | $57,308,600 | 1,277 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3470% | 6,576 |
| Cost of funding earning assets | 0.0275% | 6,542 |
| Net interest margin | 0.3194% | 6,575 |
| Noninterest income to average assets | 4.9972% | 123 |
| Noninterest expense to average assets | 4.1735% | 626 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5650% | 4,611 |
| Return on assets (ROA) | 0.5650% | 4,683 |
| Pretax return on assets | 1.0600% | 3,341 |
| Return on Equity (ROE) | 8.4751% | 2,955 |
| Retained earnings to average equity (ytd only) | 8.4751% | 1,159 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7455% | 1,957 |
| Assets per employee ($millions) | 6.5191% | 1,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 27.1811% | 6,553 |
| Equity capital to assets | 6.6568% | 6,426 |
| Core capital (leverage) ratio | 6.8170% | 6,400 |
| Tier 1 risk-based capital ratio | 39.6160% | 248 |
| Total risk-based capital ratio | 39.6160% | 263 |
| Memoranda: | ||
| Average total assets | $850,910,000 | 792 |
| Average earning assets | $629,412,000 | 987 |
| Average equity | $56,729,500 | 1,299 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3607% | 6,641 |
| Cost of funding earning assets | 0.0275% | 6,607 |
| Net interest margin | 0.3331% | 6,642 |
| Noninterest income to average assets | 4.9635% | 121 |
| Noninterest expense to average assets | 4.2183% | 585 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5276% | 4,704 |
| Return on assets (ROA) | 0.5276% | 4,796 |
| Pretax return on assets | 0.9898% | 3,518 |
| Return on Equity (ROE) | 7.9093% | 3,149 |
| Retained earnings to average equity (ytd only) | 7.9093% | 1,358 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9952% | 1,877 |
| Assets per employee ($millions) | 5.7515% | 1,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| 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 | 21.4817% | 6,623 |
| Equity capital to assets | 7.3666% | 6,378 |
| Core capital (leverage) ratio | 6.5681% | 6,492 |
| Tier 1 risk-based capital ratio | 47.6618% | 147 |
| Total risk-based capital ratio | 47.6618% | 156 |
| Memoranda: | ||
| Average total assets | $841,186,000 | 803 |
| Average earning assets | $617,753,000 | 1,003 |
| Average equity | $56,111,000 | 1,299 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3945% | 6,715 |
| Cost of funding earning assets | 0.0282% | 6,679 |
| Net interest margin | 0.3663% | 6,715 |
| Noninterest income to average assets | 4.7736% | 124 |
| Noninterest expense to average assets | 4.0181% | 743 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5389% | 4,507 |
| Return on assets (ROA) | 0.5389% | 4,580 |
| Pretax return on assets | 1.0110% | 3,283 |
| Return on Equity (ROE) | 8.4726% | 2,698 |
| Retained earnings to average equity (ytd only) | 8.4726% | 1,427 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8962% | 2,223 |
| Assets per employee ($millions) | 7.1829% | 725 |
| 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 | 42.1314% | 6,677 |
| Equity capital to assets | 5.7911% | 6,584 |
| Core capital (leverage) ratio | 6.0320% | 6,583 |
| Tier 1 risk-based capital ratio | 35.2624% | 343 |
| Total risk-based capital ratio | 35.2624% | 372 |
| Memoranda: | ||
| Average total assets | $873,556,000 | 778 |
| Average earning assets | $609,388,500 | 1,027 |
| Average equity | $55,567,500 | 1,301 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3536% | 6,792 |
| Cost of funding earning assets | 0.0240% | 6,770 |
| Net interest margin | 0.3296% | 6,791 |
| Noninterest income to average assets | 4.9527% | 136 |
| Noninterest expense to average assets | 3.9059% | 983 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.6920% | 3,832 |
| Return on assets (ROA) | 0.6920% | 3,927 |
| Pretax return on assets | 1.2829% | 2,224 |
| Return on Equity (ROE) | 11.2023% | 1,702 |
| Retained earnings to average equity (ytd only) | 1.7870% | 4,961 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2763% | 2,903 |
| Assets per employee ($millions) | 5.8895% | 1,346 |
| Cash dividends to net income (ytd only)* | 84.0477% | 795 |
| 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 | 32.4037% | 6,767 |
| Equity capital to assets | 7.0720% | 6,441 |
| Core capital (leverage) ratio | 6.7861% | 6,563 |
| Tier 1 risk-based capital ratio | 43.1723% | 187 |
| Total risk-based capital ratio | 43.1723% | 198 |
| Memoranda: | ||
| Average total assets | $859,638,200 | 770 |
| Average earning assets | $615,879,400 | 988 |
| Average equity | $53,105,000 | 1,336 |
| Average total loans | $2,000 | 6,781 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3574% | 6,872 |
| Cost of funding earning assets | 0.0237% | 6,851 |
| Net interest margin | 0.3337% | 6,870 |
| Noninterest income to average assets | 4.8328% | 147 |
| Noninterest expense to average assets | 3.7511% | 1,162 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.7015% | 3,852 |
| Return on assets (ROA) | 0.7015% | 3,984 |
| Pretax return on assets | 1.3162% | 2,277 |
| Return on Equity (ROE) | 11.7305% | 1,569 |
| Retained earnings to average equity (ytd only) | -0.9347% | 6,127 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0255% | 3,067 |
| Assets per employee ($millions) | 5.0089% | 2,153 |
| Cash dividends to net income (ytd only)* | 107.9681% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| 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 | 0.0000% | 6,405 |
| Net loans and leases to total assets | 0.0012% | 6,853 |
| Net loans and leases to deposits | 0.0014% | 6,852 |
| Net loans and leases to core deposits | 0.0045% | 6,840 |
| Total domestic deposits to total assets | 27.6513% | 6,849 |
| Equity capital to assets | 8.2411% | 5,965 |
| Core capital (leverage) ratio | 6.8554% | 6,618 |
| Tier 1 risk-based capital ratio | 44.9694% | 171 |
| Total risk-based capital ratio | 44.9694% | 185 |
| Memoranda: | ||
| Average total assets | $880,193,500 | 756 |
| Average earning assets | $618,544,000 | 992 |
| Average equity | $52,636,500 | 1,362 |
| Average total loans | $2,500 | 6,860 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3400% | 6,925 |
| Cost of funding earning assets | 0.0208% | 6,904 |
| Net interest margin | 0.3192% | 6,922 |
| Noninterest income to average assets | 4.3758% | 174 |
| Noninterest expense to average assets | 3.4085% | 1,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6333% | 4,138 |
| Return on assets (ROA) | 0.6333% | 4,286 |
| Pretax return on assets | 1.1882% | 2,725 |
| Return on Equity (ROE) | 11.5844% | 1,608 |
| Retained earnings to average equity (ytd only) | -7.5381% | 6,593 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1506% | 3,095 |
| Assets per employee ($millions) | 8.5686% | 366 |
| Cash dividends to net income (ytd only)* | 165.0710% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 0.0002% | 6,903 |
| Net loans and leases to deposits | 0.0002% | 6,903 |
| Net loans and leases to core deposits | 0.0010% | 6,891 |
| Total domestic deposits to total assets | 18.3160% | 6,908 |
| Equity capital to assets | 4.8605% | 6,833 |
| Core capital (leverage) ratio | 7.7801% | 6,319 |
| Tier 1 risk-based capital ratio | 40.1150% | 230 |
| Total risk-based capital ratio | 40.1150% | 245 |
| Memoranda: | ||
| Average total assets | $956,540,670 | 693 |
| Average earning assets | $662,280,000 | 916 |
| Average equity | $52,294,670 | 1,372 |
| Average total loans | $670 | 6,908 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4761% | 6,997 |
| Cost of funding earning assets | 0.0267% | 6,979 |
| Net interest margin | 0.4494% | 6,994 |
| Noninterest income to average assets | 4.7616% | 156 |
| Noninterest expense to average assets | 3.5589% | 1,499 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7846% | 3,248 |
| Return on assets (ROA) | 0.7846% | 3,377 |
| Pretax return on assets | 1.4719% | 1,643 |
| Return on Equity (ROE) | 13.4626% | 1,063 |
| Retained earnings to average equity (ytd only) | -24.6966% | 6,874 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7427% | 3,842 |
| Assets per employee ($millions) | 7.4388% | 620 |
| Cash dividends to net income (ytd only)* | 283.4467% | 100 |
| 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 | 44.6219% | 6,959 |
| Equity capital to assets | 5.5970% | 6,856 |
| Core capital (leverage) ratio | 5.7379% | 6,830 |
| Tier 1 risk-based capital ratio | 26.8946% | 719 |
| Total risk-based capital ratio | 26.8946% | 811 |
| Memoranda: | ||
| Average total assets | $899,273,000 | 739 |
| Average earning assets | $538,505,000 | 1,149 |
| Average equity | $52,412,000 | 1,387 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4613% | 7,059 |
| Cost of funding earning assets | 0.0184% | 7,053 |
| Net interest margin | 0.4429% | 7,054 |
| Noninterest income to average assets | 4.3156% | 169 |
| Noninterest expense to average assets | 3.4780% | 1,872 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6117% | 4,184 |
| Return on assets (ROA) | 0.6117% | 4,444 |
| Pretax return on assets | 1.1409% | 3,016 |
| Return on Equity (ROE) | 10.6703% | 1,915 |
| Retained earnings to average equity (ytd only) | 4.8859% | 2,779 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2992% | 2,862 |
| Assets per employee ($millions) | 7.3638% | 663 |
| Cash dividends to net income (ytd only)* | 54.2103% | 2,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 45.5246% | 7,023 |
| Equity capital to assets | 6.0639% | 6,888 |
| Core capital (leverage) ratio | 5.9601% | 6,861 |
| Tier 1 risk-based capital ratio | 24.3861% | 924 |
| Total risk-based capital ratio | 24.3861% | 1,079 |
| Memoranda: | ||
| Average total assets | $904,621,200 | 728 |
| Average earning assets | $619,538,600 | 968 |
| Average equity | $51,863,600 | 1,371 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4498% | 7,167 |
| Cost of funding earning assets | 0.0751% | 7,132 |
| Net interest margin | 0.3747% | 7,169 |
| Noninterest income to average assets | 4.2300% | 172 |
| Noninterest expense to average assets | 3.3222% | 2,211 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.6241% | 4,269 |
| Return on assets (ROA) | 0.6241% | 4,525 |
| Pretax return on assets | 1.1709% | 3,096 |
| Return on Equity (ROE) | 11.0411% | 1,940 |
| Retained earnings to average equity (ytd only) | 3.2474% | 4,583 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9403% | 2,993 |
| Assets per employee ($millions) | 9.5095% | 277 |
| Cash dividends to net income (ytd only)* | 70.5882% | 908 |
| 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 | 64.3626% | 7,008 |
| Equity capital to assets | 4.7817% | 7,059 |
| Core capital (leverage) ratio | 6.0129% | 6,946 |
| Tier 1 risk-based capital ratio | 26.5800% | 773 |
| Total risk-based capital ratio | 26.5800% | 871 |
| Memoranda: | ||
| Average total assets | $908,022,250 | 730 |
| Average earning assets | $637,365,250 | 952 |
| Average equity | $51,322,000 | 1,390 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4544% | 7,228 |
| Cost of funding earning assets | 0.1044% | 7,172 |
| Net interest margin | 0.3500% | 7,231 |
| Noninterest income to average assets | 4.4857% | 152 |
| Noninterest expense to average assets | 3.5457% | 1,684 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.6418% | 4,156 |
| Return on assets (ROA) | 0.6418% | 4,408 |
| Pretax return on assets | 1.2040% | 2,907 |
| Return on Equity (ROE) | 10.6398% | 2,116 |
| Retained earnings to average equity (ytd only) | -1.1603% | 6,233 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6503% | 2,958 |
| Assets per employee ($millions) | 8.0992% | 450 |
| Cash dividends to net income (ytd only)* | 110.9057% | 336 |
| 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 | 44.9390% | 7,191 |
| Equity capital to assets | 5.4499% | 7,068 |
| Core capital (leverage) ratio | 5.9917% | 6,989 |
| Tier 1 risk-based capital ratio | 38.9879% | 253 |
| Total risk-based capital ratio | 38.9879% | 273 |
| Memoranda: | ||
| Average total assets | $842,996,000 | 790 |
| Average earning assets | $635,973,000 | 950 |
| Average equity | $50,847,000 | 1,396 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4639% | 7,291 |
| Cost of funding earning assets | 0.1108% | 7,238 |
| Net interest margin | 0.3531% | 7,295 |
| Noninterest income to average assets | 4.6969% | 140 |
| Noninterest expense to average assets | 3.6918% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6769% | 3,996 |
| Return on assets (ROA) | 0.6769% | 4,211 |
| Pretax return on assets | 1.2698% | 2,650 |
| Return on Equity (ROE) | 10.6178% | 2,181 |
| Retained earnings to average equity (ytd only) | -13.0651% | 6,928 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4066% | 3,034 |
| Assets per employee ($millions) | 6.6494% | 902 |
| Cash dividends to net income (ytd only)* | 223.0483% | 135 |
| 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 | 56.3436% | 7,221 |
| Equity capital to assets | 6.5752% | 6,999 |
| Core capital (leverage) ratio | 6.8335% | 6,896 |
| Tier 1 risk-based capital ratio | 38.9905% | 250 |
| Total risk-based capital ratio | 38.9905% | 266 |
| Memoranda: | ||
| Average total assets | $794,742,000 | 836 |
| Average earning assets | $595,881,000 | 1,010 |
| Average equity | $50,669,500 | 1,396 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3694% | 7,342 |
| Cost of funding earning assets | 0.0224% | 7,336 |
| Net interest margin | 0.3470% | 7,340 |
| Noninterest income to average assets | 4.2032% | 146 |
| Noninterest expense to average assets | 3.7320% | 1,472 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.4045% | 4,840 |
| Return on assets (ROA) | 0.4045% | 5,020 |
| Pretax return on assets | 0.7575% | 4,125 |
| Return on Equity (ROE) | 6.2320% | 3,760 |
| Retained earnings to average equity (ytd only) | 6.2320% | 1,886 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1281% | 1,871 |
| Assets per employee ($millions) | 7.2301% | 647 |
| 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 | 44.7902% | 7,300 |
| Equity capital to assets | 6.1936% | 7,078 |
| Core capital (leverage) ratio | 5.5440% | 7,096 |
| Tier 1 risk-based capital ratio | 43.0235% | 183 |
| Total risk-based capital ratio | 43.0235% | 200 |
| Memoranda: | ||
| Average total assets | $766,780,600 | 857 |
| Average earning assets | $632,608,800 | 938 |
| Average equity | $49,775,400 | 1,370 |
| Average total loans | $60,200 | 7,321 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3603% | 7,423 |
| Cost of funding earning assets | 0.0238% | 7,411 |
| Net interest margin | 0.3366% | 7,419 |
| Noninterest income to average assets | 4.1450% | 150 |
| Noninterest expense to average assets | 3.7066% | 1,487 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3837% | 5,068 |
| Return on assets (ROA) | 0.3837% | 5,254 |
| Pretax return on assets | 0.7199% | 4,402 |
| Return on Equity (ROE) | 5.8363% | 4,099 |
| Retained earnings to average equity (ytd only) | 5.8363% | 2,646 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7360% | 1,755 |
| Assets per employee ($millions) | 9.6857% | 277 |
| 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 | 55.1085% | 7,337 |
| Equity capital to assets | 4.6604% | 7,285 |
| Core capital (leverage) ratio | 5.5914% | 7,175 |
| Tier 1 risk-based capital ratio | 45.8171% | 170 |
| Total risk-based capital ratio | 45.8171% | 180 |
| Memoranda: | ||
| Average total assets | $750,611,750 | 886 |
| Average earning assets | $627,920,500 | 950 |
| Average equity | $49,345,000 | 1,384 |
| Average total loans | $75,250 | 7,400 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4073% | 7,493 |
| Cost of funding earning assets | 0.0294% | 7,479 |
| Net interest margin | 0.3779% | 7,489 |
| Noninterest income to average assets | 4.7083% | 138 |
| Noninterest expense to average assets | 4.3444% | 706 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3676% | 5,094 |
| Return on assets (ROA) | 0.3676% | 5,235 |
| Pretax return on assets | 0.6896% | 4,420 |
| Return on Equity (ROE) | 4.8017% | 4,545 |
| Retained earnings to average equity (ytd only) | 4.8017% | 3,123 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3012% | 1,571 |
| Assets per employee ($millions) | 7.5742% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 0.0006% | 7,474 |
| Net loans and leases to deposits | 0.0006% | 7,473 |
| Net loans and leases to core deposits | 0.0012% | 7,459 |
| Total domestic deposits to total assets | 48.2249% | 7,437 |
| Equity capital to assets | 5.8434% | 7,263 |
| Core capital (leverage) ratio | 6.4562% | 7,132 |
| Tier 1 risk-based capital ratio | 52.8764% | 138 |
| Total risk-based capital ratio | 52.8764% | 142 |
| Memoranda: | ||
| Average total assets | $639,218,000 | 1,031 |
| Average earning assets | $550,990,000 | 1,101 |
| Average equity | $48,941,330 | 1,381 |
| Average total loans | $100,330 | 7,474 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4801% | 7,556 |
| Cost of funding earning assets | 0.0420% | 7,541 |
| Net interest margin | 0.4381% | 7,550 |
| Noninterest income to average assets | 5.4889% | 125 |
| Noninterest expense to average assets | 5.2286% | 302 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3471% | 5,184 |
| Return on assets (ROA) | 0.3471% | 5,268 |
| Pretax return on assets | 0.6509% | 4,486 |
| Return on Equity (ROE) | 3.8168% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.8168% | 3,883 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9299% | 1,424 |
| Assets per employee ($millions) | 4.6265% | 2,694 |
| 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 | 19.3199% | 7,532 |
| Equity capital to assets | 9.3457% | 4,656 |
| Core capital (leverage) ratio | 6.1054% | 7,233 |
| Tier 1 risk-based capital ratio | 63.4030% | 94 |
| Total risk-based capital ratio | 63.4030% | 94 |
| Memoranda: | ||
| Average total assets | $534,674,500 | 1,259 |
| Average earning assets | $476,581,500 | 1,295 |
| Average equity | $48,627,000 | 1,373 |
| Average total loans | $148,000 | 7,532 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5584% | 7,621 |
| Cost of funding earning assets | 0.0457% | 7,606 |
| Net interest margin | 0.5127% | 7,606 |
| Noninterest income to average assets | 7.2523% | 91 |
| Noninterest expense to average assets | 7.3590% | 137 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.1582% | 5,413 |
| Return on assets (ROA) | 0.1582% | 5,571 |
| Pretax return on assets | 0.3478% | 5,090 |
| Return on Equity (ROE) | 1.2537% | 5,635 |
| Retained earnings to average equity (ytd only) | 1.2537% | 4,930 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4872% | 988 |
| Assets per employee ($millions) | 4.7943% | 2,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 0.0542% | 7,615 |
| Net loans and leases to deposits | 0.0606% | 7,615 |
| Net loans and leases to core deposits | 0.3229% | 7,596 |
| Total domestic deposits to total assets | 16.8628% | 7,614 |
| Equity capital to assets | 8.8546% | 5,346 |
| Core capital (leverage) ratio | 6.3269% | 7,234 |
| Tier 1 risk-based capital ratio | 67.1183% | 83 |
| Total risk-based capital ratio | 67.1183% | 83 |
| Memoranda: | ||
| Average total assets | $379,822,200 | 1,728 |
| Average earning assets | $336,662,800 | 1,769 |
| Average equity | $47,938,600 | 1,398 |
| Average total loans | $255,000 | 7,612 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5692% | 7,737 |
| Cost of funding earning assets | 0.0475% | 7,717 |
| Net interest margin | 0.5217% | 7,724 |
| Noninterest income to average assets | 7.8400% | 88 |
| Noninterest expense to average assets | 8.0517% | 110 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1293% | 5,693 |
| Return on assets (ROA) | 0.1293% | 5,858 |
| Pretax return on assets | 0.2429% | 5,630 |
| Return on Equity (ROE) | 0.9144% | 5,914 |
| Retained earnings to average equity (ytd only) | 0.9144% | 5,438 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0717% | 868 |
| Assets per employee ($millions) | 3.9676% | 3,904 |
| 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 | 17.0519% | 7,717 |
| Equity capital to assets | 10.7334% | 3,249 |
| Core capital (leverage) ratio | 7.3742% | 6,961 |
| Tier 1 risk-based capital ratio | 66.3724% | 90 |
| Total risk-based capital ratio | 66.3724% | 92 |
| Memoranda: | ||
| Average total assets | $338,139,750 | 1,959 |
| Average earning assets | $294,660,500 | 2,042 |
| Average equity | $47,824,500 | 1,412 |
| Average total loans | $244,750 | 7,714 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5681% | 7,809 |
| Cost of funding earning assets | 0.0793% | 7,781 |
| Net interest margin | 0.4889% | 7,798 |
| Noninterest income to average assets | 8.4165% | 78 |
| Noninterest expense to average assets | 9.0197% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.0969% | 6,225 |
| Return on assets (ROA) | -0.0969% | 6,298 |
| Pretax return on assets | -0.1818% | 6,321 |
| Return on Equity (ROE) | -0.6118% | 6,275 |
| Retained earnings to average equity (ytd only) | -0.6118% | 5,880 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0572% | 733 |
| Assets per employee ($millions) | 2.8509% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 0.3012% | 7,781 |
| Net loans and leases to deposits | 0.3614% | 7,784 |
| Net loans and leases to core deposits | 0.3621% | 7,766 |
| Total domestic deposits to total assets | 83.3431% | 4,419 |
| Equity capital to assets | 14.6606% | 959 |
| Core capital (leverage) ratio | 8.5395% | 5,345 |
| Tier 1 risk-based capital ratio | 86.4112% | 62 |
| Total risk-based capital ratio | 86.4112% | 62 |
| Memoranda: | ||
| Average total assets | $301,407,330 | 2,193 |
| Average earning assets | $259,793,000 | 2,305 |
| Average equity | $47,725,330 | 1,403 |
| Average total loans | $326,330 | 7,782 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5598% | 7,914 |
| Cost of funding earning assets | 0.0016% | 7,912 |
| Net interest margin | 0.5581% | 7,898 |
| Noninterest income to average assets | 8.4694% | 77 |
| Noninterest expense to average assets | 9.1020% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.0829% | 6,418 |
| Return on assets (ROA) | -0.0829% | 6,494 |
| Pretax return on assets | -0.1561% | 6,512 |
| Return on Equity (ROE) | -0.5025% | 6,471 |
| Retained earnings to average equity (ytd only) | -0.5025% | 5,951 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7446% | 790 |
| Assets per employee ($millions) | 2.9504% | 6,329 |
| 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 | 84.1161% | 4,092 |
| Equity capital to assets | 14.0684% | 1,119 |
| Core capital (leverage) ratio | 9.3926% | 3,919 |
| Tier 1 risk-based capital ratio | 101.3719% | 50 |
| Total risk-based capital ratio | 101.3719% | 50 |
| Memoranda: | ||
| Average total assets | $289,607,500 | 2,314 |
| Average earning assets | $247,253,000 | 2,478 |
| Average equity | $47,764,000 | 1,409 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6435% | 7,987 |
| Cost of funding earning assets | 0.0056% | 7,996 |
| Net interest margin | 0.6379% | 7,956 |
| Noninterest income to average assets | 7.1856% | 98 |
| Noninterest expense to average assets | 8.1814% | 138 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.2535% | 5,900 |
| Return on assets (ROA) | -0.2535% | 5,903 |
| Pretax return on assets | -0.4294% | 5,948 |
| Return on Equity (ROE) | -1.6919% | 5,807 |
| Retained earnings to average equity (ytd only) | -5.8034% | 6,121 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.5390% | 917 |
| Assets per employee ($millions) | 2.0862% | 7,671 |
| Cash dividends to net income (ytd only)* | -243.0134% | 7,966 |
| 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 | 76.8102% | 6,528 |
| Equity capital to assets | 19.9211% | 298 |
| Core capital (leverage) ratio | 9.6675% | 3,501 |
| Tier 1 risk-based capital ratio | 94.7786% | 58 |
| Total risk-based capital ratio | 94.7786% | 58 |
| Memoranda: | ||
| Average total assets | $324,651,000 | 2,088 |
| Average earning assets | $288,271,200 | 2,134 |
| Average equity | $48,644,200 | 1,380 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6412% | 8,073 |
| Cost of funding earning assets | 0.0065% | 8,080 |
| Net interest margin | 0.6348% | 8,046 |
| Noninterest income to average assets | 6.6469% | 111 |
| Noninterest expense to average assets | 7.5456% | 171 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.1766% | 6,022 |
| Return on assets (ROA) | -0.1766% | 6,037 |
| Pretax return on assets | -0.3312% | 6,130 |
| Return on Equity (ROE) | -1.2499% | 5,976 |
| Retained earnings to average equity (ytd only) | -6.7079% | 6,474 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5904% | 894 |
| Assets per employee ($millions) | 2.2124% | 7,598 |
| Cash dividends to net income (ytd only)* | -436.6822% | 8,067 |
| 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 | 78.8857% | 5,842 |
| Equity capital to assets | 18.9286% | 425 |
| Core capital (leverage) ratio | 11.1004% | 2,335 |
| Tier 1 risk-based capital ratio | 115.7168% | 53 |
| Total risk-based capital ratio | 115.7168% | 53 |
| Memoranda: | ||
| Average total assets | $345,834,750 | 1,982 |
| Average earning assets | $309,192,750 | 2,035 |
| Average equity | $48,856,750 | 1,399 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6342% | 8,167 |
| Cost of funding earning assets | 0.0078% | 8,176 |
| Net interest margin | 0.6264% | 8,134 |
| Noninterest income to average assets | 6.0557% | 117 |
| Noninterest expense to average assets | 7.0390% | 214 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.2280% | 6,228 |
| Return on assets (ROA) | -0.2280% | 6,249 |
| Pretax return on assets | -0.4278% | 6,352 |
| Return on Equity (ROE) | -1.7478% | 6,183 |
| Retained earnings to average equity (ytd only) | -9.8962% | 6,866 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4716% | 954 |
| Assets per employee ($millions) | 2.4542% | 7,337 |
| Cash dividends to net income (ytd only)* | -466.2005% | 8,161 |
| 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 | 81.0752% | 5,053 |
| Equity capital to assets | 16.9265% | 673 |
| Core capital (leverage) ratio | 11.7632% | 1,946 |
| Tier 1 risk-based capital ratio | 95.2238% | 71 |
| Total risk-based capital ratio | 95.2238% | 71 |
| Memoranda: | ||
| Average total assets | $376,304,670 | 1,848 |
| Average earning assets | $333,673,670 | 1,897 |
| Average equity | $49,089,330 | 1,400 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6112% | 8,224 |
| Cost of funding earning assets | 0.0043% | 8,228 |
| Net interest margin | 0.6069% | 8,194 |
| Noninterest income to average assets | 5.3692% | 125 |
| Noninterest expense to average assets | 6.1756% | 277 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.1450% | 6,474 |
| Return on assets (ROA) | -0.1450% | 6,578 |
| Pretax return on assets | -0.2720% | 6,643 |
| Return on Equity (ROE) | -1.2354% | 6,577 |
| Retained earnings to average equity (ytd only) | -17.3839% | 7,557 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.6067% | 961 |
| Assets per employee ($millions) | 3.0223% | 6,097 |
| Cash dividends to net income (ytd only)* | -1,307.1895% | 8,234 |
| 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 | 84.2542% | 3,580 |
| Equity capital to assets | 13.9438% | 1,381 |
| Core capital (leverage) ratio | 9.6619% | 3,802 |
| Tier 1 risk-based capital ratio | 134.7055% | 55 |
| Total risk-based capital ratio | 134.7055% | 55 |
| Memoranda: | ||
| Average total assets | $422,112,000 | 1,691 |
| Average earning assets | $371,750,000 | 1,744 |
| Average equity | $49,540,000 | 1,387 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9984% | 8,257 |
| Cost of funding earning assets | 0.0614% | 8,270 |
| Net interest margin | 0.9370% | 8,236 |
| Noninterest income to average assets | 14.8147% | 59 |
| Noninterest expense to average assets | 13.1225% | 89 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3019% | 1,480 |
| Return on assets (ROA) | 1.3019% | 1,426 |
| Pretax return on assets | 2.4084% | 243 |
| Return on Equity (ROE) | 5.7480% | 4,045 |
| Retained earnings to average equity (ytd only) | -0.2291% | 5,353 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4927% | 2,009 |
| Assets per employee ($millions) | 4.3188% | 2,922 |
| Cash dividends to net income (ytd only)* | 103.9861% | 893 |
| 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 | 88.1949% | 1,387 |
| Equity capital to assets | 10.1914% | 3,816 |
| Core capital (leverage) ratio | 20.2357% | 428 |
| Tier 1 risk-based capital ratio | 126.6977% | 63 |
| Total risk-based capital ratio | 126.6977% | 63 |
| Memoranda: | ||
| Average total assets | $221,597,200 | 2,858 |
| Average earning assets | $169,371,000 | 3,345 |
| Average equity | $50,191,400 | 1,347 |
| Average total loans | NA | NA |