Home > Talbots Classics National Bank > Performance and Condition Ratios
Talbots Classics National Bank, Performance and Condition Ratios
| 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 | NA | NA |
| Cost of funding earning assets | NA | NA |
| Net interest margin | NA | NA |
| Noninterest income to average assets | 51.2710% | 23 |
| Noninterest expense to average assets | 52.8432% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.1173% | 6,455 |
| Return on assets (ROA) | -0.1173% | 6,549 |
| Pretax return on assets | -1.3375% | 6,981 |
| Return on Equity (ROE) | -0.3849% | 6,490 |
| Retained earnings to average equity (ytd only) | -0.3849% | 6,103 |
| 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 | 102.5968% | 471 |
| Assets per employee ($millions) | 1.4175% | 7,156 |
| 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 | 64.6678% | 7,071 |
| Equity capital to assets | 30.5115% | 64 |
| Core capital (leverage) ratio | 27.4836% | 72 |
| Tier 1 risk-based capital ratio | 137.0840% | 39 |
| Total risk-based capital ratio | 137.0840% | 40 |
| Memoranda: | ||
| Average total assets | $8,523,330 | 7,235 |
| Average earning assets | NA | NA |
| Average equity | $2,598,000 | 6,993 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | NA | NA |
| Cost of funding earning assets | NA | NA |
| Net interest margin | NA | NA |
| Noninterest income to average assets | 47.6765% | 23 |
| Noninterest expense to average assets | 52.4582% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0469% | 6,480 |
| Return on assets (ROA) | -0.0469% | 6,575 |
| Pretax return on assets | -4.2192% | 7,255 |
| Return on Equity (ROE) | -0.1539% | 6,549 |
| Retained earnings to average equity (ytd only) | -0.1539% | 6,019 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7464% | 360 |
| Assets per employee ($millions) | 1.4047% | 7,224 |
| 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 | 65.2587% | 7,123 |
| Equity capital to assets | 30.8377% | 58 |
| Core capital (leverage) ratio | 30.7428% | 57 |
| Tier 1 risk-based capital ratio | 130.0801% | 39 |
| Total risk-based capital ratio | 130.0801% | 39 |
| Memoranda: | ||
| Average total assets | $8,532,500 | 7,298 |
| Average earning assets | NA | NA |
| Average equity | $2,599,500 | 7,045 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | -35.7143% | 7,357 |
| Cost of funding earning assets | 0.0000% | 7,346 |
| Net interest margin | -35.7143% | 7,357 |
| Noninterest income to average assets | 44.2085% | 24 |
| Noninterest expense to average assets | 42.8939% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7947% | 3,061 |
| Return on assets (ROA) | 0.7947% | 3,227 |
| Pretax return on assets | 1.1479% | 2,660 |
| Return on Equity (ROE) | 2.3429% | 5,530 |
| Retained earnings to average equity (ytd only) | -41.0448% | 7,164 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3936% | 757 |
| Assets per employee ($millions) | 1.4395% | 7,268 |
| Cash dividends to net income (ytd only)* | 1,851.8519% | 4 |
| 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 | 63.6795% | 7,179 |
| Equity capital to assets | 30.1030% | 67 |
| Core capital (leverage) ratio | 27.6126% | 78 |
| Tier 1 risk-based capital ratio | 131.5789% | 40 |
| Total risk-based capital ratio | 131.5789% | 40 |
| Memoranda: | ||
| Average total assets | $10,192,600 | 7,332 |
| Average earning assets | $47,600 | 7,357 |
| Average equity | $3,457,200 | 6,890 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | -31.3782% | 7,437 |
| Cost of funding earning assets | 0.0000% | 7,423 |
| Net interest margin | -31.3782% | 7,437 |
| Noninterest income to average assets | 40.1697% | 25 |
| Noninterest expense to average assets | 39.8043% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.4662% | 6,621 |
| Return on assets (ROA) | -0.4662% | 6,664 |
| Pretax return on assets | 0.1890% | 5,916 |
| Return on Equity (ROE) | -1.3436% | 6,417 |
| Retained earnings to average equity (ytd only) | -55.8159% | 7,304 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.5274% | 672 |
| Assets per employee ($millions) | 1.2043% | 7,363 |
| Cash dividends to net income (ytd only)* | -4,054.2266% | 7,431 |
| 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 | 65.2432% | 7,221 |
| Equity capital to assets | 29.4425% | 82 |
| Core capital (leverage) ratio | 24.4846% | 119 |
| Tier 1 risk-based capital ratio | 125.6073% | 47 |
| Total risk-based capital ratio | 125.6073% | 47 |
| Memoranda: | ||
| Average total assets | $10,581,500 | 7,409 |
| Average earning assets | $59,500 | 7,437 |
| Average equity | $3,671,500 | 6,891 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | -27.7323% | 7,513 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | -27.7323% | 7,513 |
| Noninterest income to average assets | 39.4914% | 27 |
| Noninterest expense to average assets | 36.0042% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.3807% | 1,126 |
| Return on assets (ROA) | 1.3807% | 1,193 |
| Pretax return on assets | 3.2924% | 122 |
| Return on Equity (ROE) | 3.8348% | 5,006 |
| Retained earnings to average equity (ytd only) | 3.8348% | 3,764 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6216% | 1,120 |
| Assets per employee ($millions) | 1.5153% | 7,409 |
| 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 | 45.3721% | 7,440 |
| Equity capital to assets | 33.7981% | 65 |
| Core capital (leverage) ratio | 36.1256% | 58 |
| Tier 1 risk-based capital ratio | 152.8731% | 39 |
| Total risk-based capital ratio | 152.8731% | 39 |
| Memoranda: | ||
| Average total assets | $11,298,670 | 7,473 |
| Average earning assets | $79,330 | 7,513 |
| Average equity | $4,068,000 | 6,829 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | -33.6134% | 7,574 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | -33.6134% | 7,574 |
| Noninterest income to average assets | 37.9535% | 28 |
| Noninterest expense to average assets | 37.2922% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.5351% | 170 |
| Return on assets (ROA) | 2.5351% | 175 |
| Pretax return on assets | 0.2939% | 5,673 |
| Return on Equity (ROE) | 6.8089% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.8089% | 2,233 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2180% | 778 |
| Assets per employee ($millions) | 1.3900% | 7,482 |
| 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 | 49.4604% | 7,486 |
| Equity capital to assets | 36.7626% | 58 |
| Core capital (leverage) ratio | 39.6124% | 51 |
| Tier 1 risk-based capital ratio | 159.3141% | 37 |
| Total risk-based capital ratio | 159.3141% | 37 |
| Memoranda: | ||
| Average total assets | $10,887,000 | 7,536 |
| Average earning assets | $119,000 | 7,574 |
| Average equity | $4,053,500 | 6,869 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4979% | 7,544 |
| Cost of funding earning assets | 0.0000% | 7,641 |
| Net interest margin | 2.4979% | 7,271 |
| Noninterest income to average assets | 43.9199% | 26 |
| Noninterest expense to average assets | 37.8116% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 3.7162% | 46 |
| Return on assets (ROA) | 3.7162% | 46 |
| Pretax return on assets | 6.1596% | 36 |
| Return on Equity (ROE) | 10.4597% | 1,773 |
| Retained earnings to average equity (ytd only) | 0.8416% | 5,127 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9918% | 1,700 |
| Assets per employee ($millions) | 1.3318% | 7,569 |
| Cash dividends to net income (ytd only)* | 91.9540% | 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% | 7,281 |
| 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 | 51.6238% | 7,562 |
| Equity capital to assets | 37.7229% | 58 |
| Core capital (leverage) ratio | 34.8128% | 66 |
| Tier 1 risk-based capital ratio | 91.9899% | 54 |
| Total risk-based capital ratio | 91.9899% | 54 |
| Memoranda: | ||
| Average total assets | $11,705,400 | 7,610 |
| Average earning assets | $240,200 | 7,658 |
| Average equity | $4,158,800 | 6,937 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4320% | 6,761 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 4.4320% | 1,418 |
| Noninterest income to average assets | 41.5311% | 28 |
| Noninterest expense to average assets | 33.5546% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 4.9574% | 30 |
| Return on assets (ROA) | 4.9574% | 29 |
| Pretax return on assets | 8.0656% | 24 |
| Return on Equity (ROE) | 14.1477% | 998 |
| Retained earnings to average equity (ytd only) | 14.1477% | 264 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6210% | 2,265 |
| Assets per employee ($millions) | 1.4938% | 7,655 |
| 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 | 46.0251% | 7,670 |
| Equity capital to assets | 36.7448% | 59 |
| Core capital (leverage) ratio | 36.2204% | 59 |
| Tier 1 risk-based capital ratio | 113.7565% | 53 |
| Total risk-based capital ratio | 113.7565% | 53 |
| Memoranda: | ||
| Average total assets | $11,968,250 | 7,711 |
| Average earning assets | $240,750 | 7,761 |
| Average equity | $4,193,750 | 7,013 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6481% | 270 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 6.6481% | 63 |
| Noninterest income to average assets | 43.3093% | 29 |
| Noninterest expense to average assets | 33.3213% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 6.3302% | 26 |
| Return on assets (ROA) | 6.3302% | 26 |
| Pretax return on assets | 10.1217% | 24 |
| Return on Equity (ROE) | 18.3624% | 433 |
| Retained earnings to average equity (ytd only) | 18.3624% | 120 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7013% | 2,950 |
| Assets per employee ($millions) | 1.9086% | 7,616 |
| 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 | 36.0207% | 7,761 |
| Equity capital to assets | 28.3385% | 98 |
| Core capital (leverage) ratio | 36.6633% | 62 |
| Tier 1 risk-based capital ratio | 59.2983% | 111 |
| Total risk-based capital ratio | 59.2983% | 115 |
| Memoranda: | ||
| Average total assets | $11,974,330 | 7,776 |
| Average earning assets | $240,670 | 7,830 |
| Average equity | $4,128,000 | 7,067 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3507% | 64 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 8.3507% | 43 |
| Noninterest income to average assets | 46.6738% | 26 |
| Noninterest expense to average assets | 38.8884% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 6.5847% | 27 |
| Return on assets (ROA) | 6.5847% | 29 |
| Pretax return on assets | 7.9791% | 35 |
| Return on Equity (ROE) | 16.8797% | 619 |
| Retained earnings to average equity (ytd only) | 16.8797% | 293 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9752% | 2,145 |
| Assets per employee ($millions) | 1.3035% | 7,845 |
| 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 | 52.7426% | 7,817 |
| Equity capital to assets | 39.4611% | 54 |
| Core capital (leverage) ratio | 40.4026% | 53 |
| Tier 1 risk-based capital ratio | 135.6295% | 41 |
| Total risk-based capital ratio | 135.6295% | 41 |
| Memoranda: | ||
| Average total assets | $10,327,000 | 7,890 |
| Average earning assets | $239,500 | 7,934 |
| Average equity | $4,028,500 | 7,175 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7568% | 412 |
| Cost of funding earning assets | 15.6250% | 1 |
| Net interest margin | -8.8682% | 8,012 |
| Noninterest income to average assets | 52.3298% | 23 |
| Noninterest expense to average assets | 44.8855% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 4.7017% | 30 |
| Return on assets (ROA) | 4.7017% | 31 |
| Pretax return on assets | 7.2436% | 29 |
| Return on Equity (ROE) | 13.9543% | 794 |
| Retained earnings to average equity (ytd only) | 13.9543% | 120 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1045% | 2,102 |
| Assets per employee ($millions) | 1.2783% | 7,931 |
| 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 | 53.7845% | 7,880 |
| Equity capital to assets | 38.5488% | 63 |
| Core capital (leverage) ratio | 30.4613% | 97 |
| Tier 1 risk-based capital ratio | 147.0347% | 45 |
| Total risk-based capital ratio | 147.0347% | 45 |
| Memoranda: | ||
| Average total assets | $10,464,400 | 7,964 |
| Average earning assets | $236,800 | 8,012 |
| Average equity | $3,525,800 | 7,436 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8233% | 7,993 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 2.8233% | 7,018 |
| Noninterest income to average assets | 49.6757% | 24 |
| Noninterest expense to average assets | 45.3935% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.5212% | 101 |
| Return on assets (ROA) | 2.5212% | 111 |
| Pretax return on assets | 4.3456% | 43 |
| Return on Equity (ROE) | 7.7542% | 2,746 |
| Retained earnings to average equity (ytd only) | 7.7542% | 1,217 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2634% | 1,593 |
| Assets per employee ($millions) | 1.5451% | 7,976 |
| 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 | 64.7197% | 7,738 |
| Equity capital to assets | 29.5364% | 119 |
| Core capital (leverage) ratio | 32.7297% | 107 |
| Tier 1 risk-based capital ratio | 110.9389% | 54 |
| Total risk-based capital ratio | 110.9389% | 54 |
| Memoranda: | ||
| Average total assets | $10,524,000 | 8,047 |
| Average earning assets | $236,250 | 8,099 |
| Average equity | $3,421,750 | 7,539 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7045% | 8,135 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 1.7045% | 7,965 |
| Noninterest income to average assets | 53.4320% | 23 |
| Noninterest expense to average assets | 50.1631% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.5852% | 3,745 |
| Return on assets (ROA) | 0.5852% | 3,852 |
| Pretax return on assets | 3.3092% | 80 |
| Return on Equity (ROE) | 1.7338% | 5,394 |
| Retained earnings to average equity (ytd only) | 1.7338% | 4,378 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8113% | 1,510 |
| Assets per employee ($millions) | 1.1855% | 8,113 |
| 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 | 57.9924% | 7,981 |
| Equity capital to assets | 36.6723% | 97 |
| Core capital (leverage) ratio | 35.5224% | 106 |
| Tier 1 risk-based capital ratio | 146.0731% | 51 |
| Total risk-based capital ratio | 146.0731% | 51 |
| Memoranda: | ||
| Average total assets | $9,911,670 | 8,144 |
| Average earning assets | $234,670 | 8,195 |
| Average equity | $3,345,330 | 7,619 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5653% | 64 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 8.5653% | 37 |
| Noninterest income to average assets | 45.3113% | 27 |
| Noninterest expense to average assets | 50.4469% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -13.0759% | 8,196 |
| Return on assets (ROA) | -13.0759% | 8,186 |
| Pretax return on assets | -4.9380% | 7,979 |
| Return on Equity (ROE) | -40.3782% | 7,991 |
| Retained earnings to average equity (ytd only) | -40.3782% | 7,970 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8507% | 789 |
| Assets per employee ($millions) | 1.0873% | 8,178 |
| 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 | 56.2027% | 8,041 |
| Equity capital to assets | 31.8414% | 128 |
| Core capital (leverage) ratio | 31.5512% | 139 |
| Tier 1 risk-based capital ratio | 133.6765% | 56 |
| Total risk-based capital ratio | 133.6765% | 56 |
| Memoranda: | ||
| Average total assets | $10,125,500 | 8,191 |
| Average earning assets | $233,500 | 8,247 |
| Average equity | $3,279,000 | 7,697 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8278% | 8,238 |
| Cost of funding earning assets | 0.9552% | 8,074 |
| Net interest margin | 0.8726% | 8,241 |
| Noninterest income to average assets | 62.6425% | 23 |
| Noninterest expense to average assets | 56.6253% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 3.4189% | 50 |
| Return on assets (ROA) | 3.4189% | 51 |
| Pretax return on assets | 6.6918% | 37 |
| Return on Equity (ROE) | 10.4919% | 2,087 |
| Retained earnings to average equity (ytd only) | -0.6995% | 5,513 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4312% | 1,564 |
| Assets per employee ($millions) | 1.0465% | 8,230 |
| Cash dividends to net income (ytd only)* | 106.6667% | 851 |
| 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 | 52.5561% | 8,106 |
| Equity capital to assets | 32.8906% | 140 |
| Core capital (leverage) ratio | 31.9978% | 163 |
| Tier 1 risk-based capital ratio | 123.8129% | 66 |
| Total risk-based capital ratio | 123.8129% | 66 |
| Memoranda: | ||
| Average total assets | $10,968,600 | 8,234 |
| Average earning assets | $8,480,000 | 8,240 |
| Average equity | $3,574,200 | 7,655 |
| Average total loans | NA | NA |