Home > State Bank of Chittenango > Performance and Condition Ratios
State Bank of Chittenango, Performance and Condition Ratios
| 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 | 2.3893% | 6,123 |
| Cost of funding earning assets | 0.2349% | 5,043 |
| Net interest margin | 2.1544% | 6,085 |
| Noninterest income to average assets | 0.0000% | 6,192 |
| Noninterest expense to average assets | 0.0806% | 6,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.4618% | 989 |
| Return on assets (ROA) | 1.5645% | 867 |
| Pretax return on assets | 2.2003% | 409 |
| Return on Equity (ROE) | 17.3264% | 447 |
| Retained earnings to average equity (ytd only) | 17.3264% | 96 |
| 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 | 3.7720% | 6,264 |
| Assets per employee ($millions) | NA | NA |
| 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 | 88.6440% | 1,212 |
| Equity capital to assets | 9.6667% | 4,554 |
| Core capital (leverage) ratio | 9.9784% | 3,662 |
| Tier 1 risk-based capital ratio | 53.0931% | 121 |
| Total risk-based capital ratio | 53.0931% | 124 |
| Memoranda: | ||
| Average total assets | $226,694,000 | 2,713 |
| Average earning assets | $224,772,750 | 2,569 |
| Average equity | $20,469,250 | 3,155 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4196% | 6,192 |
| Cost of funding earning assets | 0.2600% | 4,832 |
| Net interest margin | 2.1596% | 6,159 |
| Noninterest income to average assets | 0.0000% | 6,260 |
| Noninterest expense to average assets | 0.0767% | 6,345 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.4897% | 913 |
| Return on assets (ROA) | 1.6262% | 744 |
| Pretax return on assets | 2.2595% | 373 |
| Return on Equity (ROE) | 18.4437% | 381 |
| Retained earnings to average equity (ytd only) | 18.4437% | 94 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.5744% | 6,341 |
| Assets per employee ($millions) | NA | NA |
| 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 | 85.1967% | 3,038 |
| Equity capital to assets | 8.8118% | 5,426 |
| Core capital (leverage) ratio | 8.9930% | 4,982 |
| Tier 1 risk-based capital ratio | 51.4485% | 134 |
| Total risk-based capital ratio | 51.4485% | 143 |
| Memoranda: | ||
| Average total assets | $226,780,000 | 2,728 |
| Average earning assets | $225,409,330 | 2,581 |
| Average equity | $19,996,000 | 3,217 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4188% | 6,254 |
| Cost of funding earning assets | 0.2740% | 4,739 |
| Net interest margin | 2.1448% | 6,230 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 0.0753% | 6,417 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.4941% | 858 |
| Return on assets (ROA) | 1.5648% | 797 |
| Pretax return on assets | 2.1545% | 426 |
| Return on Equity (ROE) | 17.7407% | 409 |
| Retained earnings to average equity (ytd only) | 17.7407% | 152 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.5294% | 6,411 |
| Assets per employee ($millions) | NA | NA |
| 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 | 90.5395% | 516 |
| Equity capital to assets | 8.3292% | 5,850 |
| Core capital (leverage) ratio | 10.1978% | 3,344 |
| Tier 1 risk-based capital ratio | 47.0023% | 169 |
| Total risk-based capital ratio | 47.0023% | 179 |
| Memoranda: | ||
| Average total assets | $223,162,500 | 2,779 |
| Average earning assets | $221,932,500 | 2,623 |
| Average equity | $19,683,500 | 3,265 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4300% | 6,341 |
| Cost of funding earning assets | 0.3461% | 4,292 |
| Net interest margin | 2.0839% | 6,343 |
| Noninterest income to average assets | 0.0000% | 6,390 |
| Noninterest expense to average assets | 0.0860% | 6,506 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.4337% | 1,016 |
| Return on assets (ROA) | 1.4210% | 1,065 |
| Pretax return on assets | 1.9572% | 554 |
| Return on Equity (ROE) | 17.0689% | 484 |
| Retained earnings to average equity (ytd only) | 17.0689% | 103 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4.1757% | 6,505 |
| Assets per employee ($millions) | NA | NA |
| 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 | 84.7309% | 3,406 |
| Equity capital to assets | 9.4185% | 4,819 |
| Core capital (leverage) ratio | 9.9413% | 3,658 |
| Tier 1 risk-based capital ratio | 55.7268% | 108 |
| Total risk-based capital ratio | 55.7268% | 112 |
| Memoranda: | ||
| Average total assets | $201,052,200 | 2,978 |
| Average earning assets | $198,807,200 | 2,818 |
| Average equity | $16,738,000 | 3,568 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4144% | 6,433 |
| Cost of funding earning assets | 0.3461% | 4,379 |
| Net interest margin | 2.0683% | 6,430 |
| Noninterest income to average assets | 0.0000% | 6,477 |
| Noninterest expense to average assets | 0.0842% | 6,587 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.4267% | 1,083 |
| Return on assets (ROA) | 1.4267% | 1,119 |
| Pretax return on assets | 1.9574% | 629 |
| Return on Equity (ROE) | 17.7200% | 468 |
| Retained earnings to average equity (ytd only) | 17.7200% | 120 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4.1261% | 6,585 |
| Assets per employee ($millions) | NA | NA |
| 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 | 88.9697% | 1,256 |
| Equity capital to assets | 8.7653% | 5,577 |
| Core capital (leverage) ratio | 9.5282% | 4,335 |
| Tier 1 risk-based capital ratio | 50.6978% | 125 |
| Total risk-based capital ratio | 50.6978% | 135 |
| Memoranda: | ||
| Average total assets | $201,012,750 | 3,002 |
| Average earning assets | $198,418,750 | 2,848 |
| Average equity | $16,184,750 | 3,662 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3719% | 6,510 |
| Cost of funding earning assets | 0.3562% | 4,360 |
| Net interest margin | 2.0157% | 6,516 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 0.0790% | 6,652 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.4404% | 982 |
| Return on assets (ROA) | 1.4404% | 1,022 |
| Pretax return on assets | 1.9122% | 670 |
| Return on Equity (ROE) | 18.4444% | 416 |
| Retained earnings to average equity (ytd only) | 18.4444% | 116 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.9659% | 6,652 |
| Assets per employee ($millions) | NA | NA |
| 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 | 84.0326% | 3,910 |
| Equity capital to assets | 8.1806% | 6,039 |
| Core capital (leverage) ratio | 8.9626% | 5,079 |
| Tier 1 risk-based capital ratio | 49.2971% | 137 |
| Total risk-based capital ratio | 49.2971% | 144 |
| Memoranda: | ||
| Average total assets | $200,086,000 | 3,035 |
| Average earning assets | $197,648,330 | 2,862 |
| Average equity | $15,625,330 | 3,749 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2068% | 6,621 |
| Cost of funding earning assets | 0.3338% | 4,704 |
| Net interest margin | 1.8730% | 6,617 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 0.0752% | 6,728 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3355% | 1,133 |
| Return on assets (ROA) | 1.3355% | 1,176 |
| Pretax return on assets | 1.7726% | 836 |
| Return on Equity (ROE) | 17.5399% | 477 |
| Retained earnings to average equity (ytd only) | 17.5399% | 195 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4.0704% | 6,725 |
| Assets per employee ($millions) | NA | NA |
| 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 | 87.1871% | 2,713 |
| Equity capital to assets | 7.5460% | 6,302 |
| Core capital (leverage) ratio | 9.6110% | 4,115 |
| Tier 1 risk-based capital ratio | 46.6572% | 158 |
| Total risk-based capital ratio | 46.6572% | 167 |
| Memoranda: | ||
| Average total assets | $196,774,500 | 3,093 |
| Average earning assets | $194,128,000 | 2,920 |
| Average equity | $14,983,000 | 3,864 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5601% | 6,598 |
| Cost of funding earning assets | 0.3367% | 5,272 |
| Net interest margin | 2.2234% | 6,567 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 0.1069% | 6,807 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.5368% | 771 |
| Return on assets (ROA) | 1.5494% | 784 |
| Pretax return on assets | 2.0667% | 419 |
| Return on Equity (ROE) | 15.0269% | 757 |
| Retained earnings to average equity (ytd only) | 15.0269% | 167 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4.9582% | 6,807 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| 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 | 77.7893% | 5,854 |
| Equity capital to assets | 7.6898% | 6,190 |
| Core capital (leverage) ratio | 10.2257% | 3,258 |
| Tier 1 risk-based capital ratio | 46.5029% | 155 |
| Total risk-based capital ratio | 46.5029% | 165 |
| Memoranda: | ||
| Average total assets | $155,226,000 | 3,623 |
| Average earning assets | $150,577,600 | 3,490 |
| Average equity | $16,004,600 | 3,700 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5426% | 6,681 |
| Cost of funding earning assets | 0.3311% | 5,462 |
| Net interest margin | 2.2116% | 6,640 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 0.1186% | 6,885 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4798% | 930 |
| Return on assets (ROA) | 1.4970% | 948 |
| Pretax return on assets | 2.0392% | 532 |
| Return on Equity (ROE) | 13.4362% | 1,131 |
| Retained earnings to average equity (ytd only) | 13.4362% | 294 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.5556% | 6,886 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| 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 | 87.7930% | 2,252 |
| Equity capital to assets | 9.9376% | 3,992 |
| Core capital (leverage) ratio | 11.6562% | 1,912 |
| Tier 1 risk-based capital ratio | 41.1386% | 228 |
| Total risk-based capital ratio | 41.1386% | 240 |
| Memoranda: | ||
| Average total assets | $147,311,750 | 3,793 |
| Average earning assets | $142,158,000 | 3,667 |
| Average equity | $16,413,000 | 3,685 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5060% | 6,730 |
| Cost of funding earning assets | 0.3459% | 5,447 |
| Net interest margin | 2.1600% | 6,702 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 0.1190% | 6,935 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.4802% | 931 |
| Return on assets (ROA) | 1.4822% | 1,003 |
| Pretax return on assets | 2.0182% | 585 |
| Return on Equity (ROE) | 12.8279% | 1,279 |
| Retained earnings to average equity (ytd only) | 12.8279% | 403 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.5734% | 6,932 |
| Assets per employee ($millions) | NA | NA |
| 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 | 75.5357% | 6,305 |
| Equity capital to assets | 10.7091% | 3,046 |
| Core capital (leverage) ratio | 10.6399% | 2,727 |
| Tier 1 risk-based capital ratio | 61.6936% | 83 |
| Total risk-based capital ratio | 61.6936% | 87 |
| Memoranda: | ||
| Average total assets | $146,269,670 | 3,832 |
| Average earning assets | $144,535,330 | 3,655 |
| Average equity | $16,900,670 | 3,638 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4701% | 6,821 |
| Cost of funding earning assets | 0.3230% | 5,776 |
| Net interest margin | 2.1471% | 6,787 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 0.1124% | 7,015 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4691% | 915 |
| Return on assets (ROA) | 1.4752% | 982 |
| Pretax return on assets | 2.0098% | 581 |
| Return on Equity (ROE) | 12.3130% | 1,340 |
| Retained earnings to average equity (ytd only) | 12.3130% | 656 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.3178% | 7,012 |
| Assets per employee ($millions) | NA | NA |
| 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 | 86.0942% | 3,477 |
| Equity capital to assets | 11.0964% | 2,853 |
| Core capital (leverage) ratio | 11.4749% | 1,900 |
| Tier 1 risk-based capital ratio | 52.1147% | 123 |
| Total risk-based capital ratio | 52.1147% | 129 |
| Memoranda: | ||
| Average total assets | $145,883,000 | 3,882 |
| Average earning assets | $143,638,500 | 3,700 |
| Average equity | $17,477,500 | 3,598 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6720% | 6,886 |
| Cost of funding earning assets | 0.4356% | 5,679 |
| Net interest margin | 2.2364% | 6,866 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 0.1153% | 7,077 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5078% | 900 |
| Return on assets (ROA) | 1.6402% | 778 |
| Pretax return on assets | 2.2288% | 385 |
| Return on Equity (ROE) | 15.1379% | 792 |
| Retained earnings to average equity (ytd only) | 15.1379% | 153 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.3241% | 7,074 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| 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 | 79.2665% | 5,834 |
| Equity capital to assets | 13.0295% | 1,438 |
| Core capital (leverage) ratio | 11.1679% | 2,108 |
| Tier 1 risk-based capital ratio | 68.8692% | 81 |
| Total risk-based capital ratio | 68.8692% | 81 |
| Memoranda: | ||
| Average total assets | $147,479,200 | 3,815 |
| Average earning assets | $142,776,600 | 3,683 |
| Average equity | $15,979,800 | 3,776 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7268% | 6,991 |
| Cost of funding earning assets | 0.4350% | 5,901 |
| Net interest margin | 2.2918% | 6,947 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 0.1139% | 7,179 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5156% | 993 |
| Return on assets (ROA) | 1.6001% | 943 |
| Pretax return on assets | 2.2067% | 474 |
| Return on Equity (ROE) | 15.4588% | 824 |
| Retained earnings to average equity (ytd only) | 15.4588% | 211 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.1662% | 7,173 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 85.5352% | 3,493 |
| Equity capital to assets | 11.4924% | 2,749 |
| Core capital (leverage) ratio | 10.5691% | 2,836 |
| Tier 1 risk-based capital ratio | 37.5670% | 301 |
| Total risk-based capital ratio | 37.5670% | 317 |
| Memoranda: | ||
| Average total assets | $150,990,000 | 3,800 |
| Average earning assets | $145,267,750 | 3,670 |
| Average equity | $15,628,250 | 3,877 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7829% | 7,047 |
| Cost of funding earning assets | 0.4523% | 5,959 |
| Net interest margin | 2.3306% | 6,994 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 0.1155% | 7,242 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5828% | 864 |
| Return on assets (ROA) | 1.6650% | 813 |
| Pretax return on assets | 2.2974% | 416 |
| Return on Equity (ROE) | 16.6758% | 683 |
| Retained earnings to average equity (ytd only) | 16.6758% | 198 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.0228% | 7,235 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 77.3225% | 6,274 |
| Equity capital to assets | 11.1461% | 2,966 |
| Core capital (leverage) ratio | 9.0938% | 4,768 |
| Tier 1 risk-based capital ratio | 54.9750% | 112 |
| Total risk-based capital ratio | 54.9750% | 117 |
| Memoranda: | ||
| Average total assets | $152,435,670 | 3,793 |
| Average earning assets | $150,347,670 | 3,594 |
| Average equity | $15,219,670 | 3,940 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7723% | 7,115 |
| Cost of funding earning assets | 0.4416% | 6,199 |
| Net interest margin | 2.3307% | 7,051 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 0.1104% | 7,306 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.5795% | 894 |
| Return on assets (ROA) | 1.7403% | 749 |
| Pretax return on assets | 2.4025% | 388 |
| Return on Equity (ROE) | 18.4327% | 501 |
| Retained earnings to average equity (ytd only) | 18.4327% | 232 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4.8206% | 7,296 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 88.8027% | 1,816 |
| Equity capital to assets | 9.1441% | 5,300 |
| Core capital (leverage) ratio | 8.8938% | 5,001 |
| Tier 1 risk-based capital ratio | 42.9624% | 187 |
| Total risk-based capital ratio | 42.9624% | 199 |
| Memoranda: | ||
| Average total assets | $155,834,500 | 3,764 |
| Average earning assets | $153,085,500 | 3,564 |
| Average equity | $14,713,000 | 4,053 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9415% | 7,191 |
| Cost of funding earning assets | 0.5826% | 6,174 |
| Net interest margin | 2.3589% | 7,118 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 0.1324% | 7,355 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5960% | 664 |
| Return on assets (ROA) | 1.7177% | 574 |
| Pretax return on assets | 2.3739% | 266 |
| Return on Equity (ROE) | 22.6721% | 166 |
| Retained earnings to average equity (ytd only) | 22.6721% | 33 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.6656% | 7,352 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 79.4480% | 5,878 |
| Equity capital to assets | 9.7634% | 4,490 |
| Core capital (leverage) ratio | 7.9620% | 6,301 |
| Tier 1 risk-based capital ratio | 47.1563% | 150 |
| Total risk-based capital ratio | 47.1563% | 160 |
| Memoranda: | ||
| Average total assets | $153,290,600 | 3,749 |
| Average earning assets | $151,895,400 | 3,554 |
| Average equity | $11,613,400 | 4,635 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9744% | 7,268 |
| Cost of funding earning assets | 0.6052% | 6,262 |
| Net interest margin | 2.3692% | 7,187 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 0.1461% | 7,431 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.5836% | 794 |
| Return on assets (ROA) | 1.7292% | 643 |
| Pretax return on assets | 2.4019% | 293 |
| Return on Equity (ROE) | 24.5442% | 146 |
| Retained earnings to average equity (ytd only) | 24.5442% | 41 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6.2293% | 7,424 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 80.4350% | 5,613 |
| Equity capital to assets | 8.5215% | 6,276 |
| Core capital (leverage) ratio | 8.0095% | 6,390 |
| Tier 1 risk-based capital ratio | 40.5455% | 239 |
| Total risk-based capital ratio | 40.5455% | 262 |
| Memoranda: | ||
| Average total assets | $154,205,750 | 3,755 |
| Average earning assets | $152,675,750 | 3,557 |
| Average equity | $10,864,500 | 4,836 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0843% | 7,315 |
| Cost of funding earning assets | 0.6792% | 6,074 |
| Net interest margin | 2.4051% | 7,232 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 0.1475% | 7,507 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5062% | 877 |
| Return on assets (ROA) | 1.6306% | 733 |
| Pretax return on assets | 2.4170% | 280 |
| Return on Equity (ROE) | 24.9992% | 138 |
| Retained earnings to average equity (ytd only) | 24.9992% | 51 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6.2016% | 7,501 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 82.8189% | 4,842 |
| Equity capital to assets | 7.6680% | 6,871 |
| Core capital (leverage) ratio | 6.6336% | 7,093 |
| Tier 1 risk-based capital ratio | 40.3284% | 243 |
| Total risk-based capital ratio | 40.3284% | 253 |
| Memoranda: | ||
| Average total assets | $151,841,670 | 3,819 |
| Average earning assets | $150,182,330 | 3,623 |
| Average equity | $9,904,330 | 5,073 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9390% | 7,407 |
| Cost of funding earning assets | 0.7730% | 5,730 |
| Net interest margin | 2.1660% | 7,369 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 0.1775% | 7,567 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3106% | 1,243 |
| Return on assets (ROA) | 1.3195% | 1,270 |
| Pretax return on assets | 1.9739% | 583 |
| Return on Equity (ROE) | 22.2123% | 236 |
| Retained earnings to average equity (ytd only) | 22.2123% | 131 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.3024% | 7,557 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 88.8555% | 1,864 |
| Equity capital to assets | 5.7011% | 7,319 |
| Core capital (leverage) ratio | 7.0000% | 7,009 |
| Tier 1 risk-based capital ratio | 34.9657% | 351 |
| Total risk-based capital ratio | 34.9657% | 374 |
| Memoranda: | ||
| Average total assets | $150,969,000 | 3,862 |
| Average earning assets | $149,030,500 | 3,659 |
| Average equity | $8,968,000 | 5,342 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3434% | 7,432 |
| Cost of funding earning assets | 1.0141% | 5,617 |
| Net interest margin | 2.3293% | 7,353 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 0.1836% | 7,638 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4170% | 912 |
| Return on assets (ROA) | 1.8566% | 402 |
| Pretax return on assets | 2.7668% | 144 |
| Return on Equity (ROE) | 25.7157% | 93 |
| Retained earnings to average equity (ytd only) | 25.7157% | 22 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.0027% | 7,639 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 82.6032% | 4,976 |
| Equity capital to assets | 6.2097% | 7,314 |
| Core capital (leverage) ratio | 6.9739% | 7,038 |
| Tier 1 risk-based capital ratio | 37.0975% | 295 |
| Total risk-based capital ratio | 37.0975% | 317 |
| Memoranda: | ||
| Average total assets | $127,440,600 | 4,327 |
| Average earning assets | $125,531,000 | 4,115 |
| Average equity | $9,200,600 | 5,357 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4507% | 7,546 |
| Cost of funding earning assets | 1.0678% | 5,604 |
| Net interest margin | 2.3829% | 7,447 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 0.1852% | 7,751 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4100% | 1,084 |
| Return on assets (ROA) | 1.8546% | 496 |
| Pretax return on assets | 2.8443% | 146 |
| Return on Equity (ROE) | 24.6975% | 126 |
| Retained earnings to average equity (ytd only) | 24.6975% | 33 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 7.8972% | 7,744 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 90.5257% | 628 |
| Equity capital to assets | 7.4980% | 7,132 |
| Core capital (leverage) ratio | 7.3835% | 6,953 |
| Tier 1 risk-based capital ratio | 33.7866% | 385 |
| Total risk-based capital ratio | 33.7866% | 408 |
| Memoranda: | ||
| Average total assets | $123,800,000 | 4,462 |
| Average earning assets | $121,866,500 | 4,245 |
| Average equity | $9,296,250 | 5,403 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5912% | 7,572 |
| Cost of funding earning assets | 1.1318% | 5,508 |
| Net interest margin | 2.4594% | 7,439 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 0.1938% | 7,821 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4613% | 976 |
| Return on assets (ROA) | 1.8096% | 520 |
| Pretax return on assets | 2.7768% | 157 |
| Return on Equity (ROE) | 24.0852% | 146 |
| Retained earnings to average equity (ytd only) | 24.0852% | 53 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 7.9585% | 7,811 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 88.9772% | 1,453 |
| Equity capital to assets | 7.7980% | 6,928 |
| Core capital (leverage) ratio | 6.5880% | 7,351 |
| Tier 1 risk-based capital ratio | 42.8500% | 206 |
| Total risk-based capital ratio | 42.8500% | 215 |
| Memoranda: | ||
| Average total assets | $118,699,000 | 4,603 |
| Average earning assets | $117,510,670 | 4,383 |
| Average equity | $8,918,330 | 5,522 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6008% | 7,678 |
| Cost of funding earning assets | 1.1250% | 5,774 |
| Net interest margin | 2.4758% | 7,489 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 0.1821% | 7,926 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.5316% | 846 |
| Return on assets (ROA) | 2.1578% | 294 |
| Pretax return on assets | 3.1885% | 125 |
| Return on Equity (ROE) | 29.3064% | 95 |
| Retained earnings to average equity (ytd only) | 29.3064% | 72 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 7.4334% | 7,916 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 90.7368% | 641 |
| Equity capital to assets | 7.2621% | 7,237 |
| Core capital (leverage) ratio | 7.3287% | 7,005 |
| Tier 1 risk-based capital ratio | 38.8467% | 271 |
| Total risk-based capital ratio | 38.8467% | 291 |
| Memoranda: | ||
| Average total assets | $116,417,000 | 4,711 |
| Average earning assets | $115,196,500 | 4,495 |
| Average equity | $8,571,500 | 5,668 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2066% | 7,602 |
| Cost of funding earning assets | 1.2779% | 6,385 |
| Net interest margin | 2.9286% | 6,802 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 0.2393% | 8,002 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6751% | 468 |
| Return on assets (ROA) | 1.9579% | 261 |
| Pretax return on assets | 3.0441% | 95 |
| Return on Equity (ROE) | 24.6597% | 94 |
| Retained earnings to average equity (ytd only) | 24.6597% | 25 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.4223% | 7,995 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 77.7462% | 6,286 |
| Equity capital to assets | 7.4740% | 7,052 |
| Core capital (leverage) ratio | 7.0089% | 7,230 |
| Tier 1 risk-based capital ratio | 37.6551% | 292 |
| Total risk-based capital ratio | 37.6551% | 309 |
| Memoranda: | ||
| Average total assets | $92,343,800 | 5,319 |
| Average earning assets | $89,598,000 | 5,134 |
| Average equity | $7,331,800 | 6,162 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2274% | 7,706 |
| Cost of funding earning assets | 1.3734% | 6,321 |
| Net interest margin | 2.8540% | 6,960 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 0.2567% | 8,089 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6007% | 664 |
| Return on assets (ROA) | 1.8758% | 402 |
| Pretax return on assets | 2.9254% | 116 |
| Return on Equity (ROE) | 23.1977% | 165 |
| Retained earnings to average equity (ytd only) | 23.1977% | 38 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.3267% | 8,073 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 80.7872% | 5,159 |
| Equity capital to assets | 7.2221% | 7,469 |
| Core capital (leverage) ratio | 7.1420% | 7,319 |
| Tier 1 risk-based capital ratio | 36.6840% | 342 |
| Total risk-based capital ratio | 36.6840% | 368 |
| Memoranda: | ||
| Average total assets | $87,780,500 | 5,486 |
| Average earning assets | $84,651,500 | 5,350 |
| Average equity | $7,098,250 | 6,288 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3630% | 7,741 |
| Cost of funding earning assets | 1.5075% | 6,111 |
| Net interest margin | 2.8554% | 6,897 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.2242% | 8,185 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.2390% | 181 |
| Return on assets (ROA) | 2.2546% | 193 |
| Pretax return on assets | 2.5113% | 210 |
| Return on Equity (ROE) | 26.5812% | 113 |
| Retained earnings to average equity (ytd only) | 26.5812% | 40 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.2493% | 8,161 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 80.0889% | 5,441 |
| Equity capital to assets | 7.4654% | 7,298 |
| Core capital (leverage) ratio | 7.9998% | 6,333 |
| Tier 1 risk-based capital ratio | 43.7724% | 240 |
| Total risk-based capital ratio | 43.7724% | 256 |
| Memoranda: | ||
| Average total assets | $80,278,670 | 5,790 |
| Average earning assets | $76,416,000 | 5,661 |
| Average equity | $6,809,330 | 6,440 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5389% | 7,678 |
| Cost of funding earning assets | 1.6862% | 5,656 |
| Net interest margin | 2.8527% | 6,870 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.1455% | 8,238 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.2372% | 219 |
| Return on assets (ROA) | 2.2724% | 240 |
| Pretax return on assets | 2.5355% | 241 |
| Return on Equity (ROE) | 24.7580% | 199 |
| Retained earnings to average equity (ytd only) | 24.7580% | 88 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.5085% | 8,217 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 89.1447% | 1,175 |
| Equity capital to assets | 8.9554% | 5,409 |
| Core capital (leverage) ratio | 8.9547% | 4,790 |
| Tier 1 risk-based capital ratio | 34.2627% | 460 |
| Total risk-based capital ratio | 34.2627% | 486 |
| Memoranda: | ||
| Average total assets | $71,465,500 | 6,084 |
| Average earning assets | $66,184,000 | 6,034 |
| Average equity | $6,559,500 | 6,568 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6336% | 7,999 |
| Cost of funding earning assets | 2.0235% | 6,333 |
| Net interest margin | 2.6102% | 7,631 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.0901% | 8,293 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.5066% | 1,008 |
| Return on assets (ROA) | 1.5179% | 948 |
| Pretax return on assets | 2.4669% | 213 |
| Return on Equity (ROE) | 22.2401% | 245 |
| Retained earnings to average equity (ytd only) | 22.2401% | 22 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.5491% | 8,286 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 83.5654% | 3,547 |
| Equity capital to assets | 9.4408% | 4,767 |
| Core capital (leverage) ratio | 9.6535% | 3,824 |
| Tier 1 risk-based capital ratio | 57.7771% | 164 |
| Total risk-based capital ratio | 57.7771% | 167 |
| Memoranda: | ||
| Average total assets | $56,589,800 | 6,509 |
| Average earning assets | $55,054,200 | 6,368 |
| Average equity | $3,862,400 | 7,560 |
| Average total loans | NA | NA |