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Target Bank, Performance and Condition Ratios
| 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 | 1.1088% | 6,314 |
| Cost of funding earning assets | 0.3454% | 3,867 |
| Net interest margin | 0.7634% | 6,320 |
| Noninterest income to average assets | 38.7805% | 29 |
| Noninterest expense to average assets | 9.8972% | 79 |
| Loan and lease loss provision to assets | 0.1631% | 1,299 |
| Net operating income to assets | 17.9805% | 9 |
| Return on assets (ROA) | 17.9805% | 9 |
| Pretax return on assets | 28.8224% | 10 |
| Return on Equity (ROE) | 173.3772% | 2 |
| Retained earnings to average equity (ytd only) | 32.5156% | 24 |
| Net charge-offs to loans | 3.3283% | 32 |
| Credit loss provision to net charge-offs | 139.5833% | 1,609 |
| Earnings coverage of net charge-offs (x) | 248.0208% | 279 |
| Efficiency ratio | 25.4540% | 6,316 |
| Assets per employee ($millions) | 4.3224% | 3,261 |
| Cash dividends to net income (ytd only)* | 81.2458% | 888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.5280% | 3 |
| Loan loss allowance to noncurrent loans | 173.6111% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 5,453 |
| Noncurrent loans to loans | 8.9441% | 67 |
| Net loans and leases to total assets | 0.9833% | 6,306 |
| Net loans and leases to deposits | 1.4210% | 6,309 |
| Net loans and leases to core deposits | 6.1234% | 6,296 |
| Total domestic deposits to total assets | 69.1952% | 6,067 |
| Equity capital to assets | 14.7300% | 763 |
| Core capital (leverage) ratio | 15.5482% | 536 |
| Tier 1 risk-based capital ratio | 41.9719% | 231 |
| Total risk-based capital ratio | 42.4869% | 240 |
| Memoranda: | ||
| Average total assets | $82,144,330 | 4,932 |
| Average earning assets | $11,003,000 | 6,311 |
| Average equity | $8,519,000 | 5,051 |
| Average total loans | $2,884,330 | 6,300 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9296% | 6,393 |
| Cost of funding earning assets | 0.3652% | 3,692 |
| Net interest margin | 0.5644% | 6,399 |
| Noninterest income to average assets | 37.4063% | 30 |
| Noninterest expense to average assets | 10.1582% | 80 |
| Loan and lease loss provision to assets | 0.1264% | 1,638 |
| Net operating income to assets | 16.9951% | 11 |
| Return on assets (ROA) | 16.9951% | 11 |
| Pretax return on assets | 27.1984% | 10 |
| Return on Equity (ROE) | 196.0182% | 4 |
| Retained earnings to average equity (ytd only) | -116.2785% | 6,408 |
| Net charge-offs to loans | 2.7523% | 50 |
| Credit loss provision to net charge-offs | 103.7037% | 1,572 |
| Earnings coverage of net charge-offs (x) | 224.2593% | 252 |
| Efficiency ratio | 27.1009% | 6,381 |
| Assets per employee ($millions) | 3.0416% | 5,616 |
| Cash dividends to net income (ytd only)* | 159.3202% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6719% | 157 |
| Loan loss allowance to noncurrent loans | 345.1613% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.0536% | 5,718 |
| Noncurrent loans to loans | 1.0638% | 2,633 |
| Net loans and leases to total assets | 4.8572% | 6,377 |
| Net loans and leases to deposits | 6.4767% | 6,380 |
| Net loans and leases to core deposits | 34.9564% | 6,124 |
| Total domestic deposits to total assets | 74.9944% | 5,832 |
| Equity capital to assets | 11.3651% | 2,586 |
| Core capital (leverage) ratio | 11.0675% | 2,349 |
| Tier 1 risk-based capital ratio | 28.5218% | 618 |
| Total risk-based capital ratio | 28.9865% | 653 |
| Memoranda: | ||
| Average total assets | $88,637,500 | 4,846 |
| Average earning assets | $12,048,000 | 6,373 |
| Average equity | $7,685,000 | 5,261 |
| Average total loans | $3,924,000 | 6,359 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9671% | 6,474 |
| Cost of funding earning assets | 0.2645% | 5,169 |
| Net interest margin | 0.7026% | 6,481 |
| Noninterest income to average assets | 31.0752% | 29 |
| Noninterest expense to average assets | 8.0811% | 106 |
| Loan and lease loss provision to assets | 0.0733% | 3,016 |
| Net operating income to assets | 14.4565% | 14 |
| Return on assets (ROA) | 14.4565% | 14 |
| Pretax return on assets | 23.0320% | 13 |
| Return on Equity (ROE) | 103.3573% | 3 |
| Retained earnings to average equity (ytd only) | -32.2454% | 6,464 |
| Net charge-offs to loans | 1.1771% | 233 |
| Credit loss provision to net charge-offs | 119.1489% | 2,019 |
| Earnings coverage of net charge-offs (x) | 375.8298% | 145 |
| Efficiency ratio | 25.9123% | 6,481 |
| Assets per employee ($millions) | 6.2886% | 1,191 |
| Cash dividends to net income (ytd only)* | 131.1980% | 187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1484% | 884 |
| Loan loss allowance to noncurrent loans | 246.5116% | 1,925 |
| Noncurrent assets plus other real estate owned to assets | 0.0360% | 5,897 |
| Noncurrent loans to loans | 0.8715% | 3,135 |
| Net loans and leases to total assets | 4.0407% | 6,467 |
| Net loans and leases to deposits | 4.8160% | 6,471 |
| Net loans and leases to core deposits | 4.8305% | 6,458 |
| Total domestic deposits to total assets | 83.9016% | 3,763 |
| Equity capital to assets | 7.3667% | 6,267 |
| Core capital (leverage) ratio | 12.4080% | 1,396 |
| Tier 1 risk-based capital ratio | 27.2331% | 665 |
| Total risk-based capital ratio | 27.5610% | 720 |
| Memoranda: | ||
| Average total assets | $76,450,000 | 5,143 |
| Average earning assets | $12,098,200 | 6,461 |
| Average equity | $10,693,000 | 4,619 |
| Average total loans | $3,993,000 | 6,453 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0006% | 6,557 |
| Cost of funding earning assets | 0.2249% | 5,630 |
| Net interest margin | 0.7758% | 6,562 |
| Noninterest income to average assets | 34.7048% | 28 |
| Noninterest expense to average assets | 9.0583% | 82 |
| Loan and lease loss provision to assets | 0.0345% | 3,712 |
| Net operating income to assets | 16.0220% | 13 |
| Return on assets (ROA) | 16.0220% | 13 |
| Pretax return on assets | 25.7521% | 11 |
| Return on Equity (ROE) | 94.2621% | 4 |
| Retained earnings to average equity (ytd only) | -31.1182% | 6,534 |
| Net charge-offs to loans | 1.2774% | 206 |
| Credit loss provision to net charge-offs | 47.2222% | 3,152 |
| Earnings coverage of net charge-offs (x) | 352.9079% | 200 |
| Efficiency ratio | 25.9960% | 6,555 |
| Assets per employee ($millions) | 2.3054% | 6,346 |
| Cash dividends to net income (ytd only)* | 133.0124% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0350% | 1,196 |
| Loan loss allowance to noncurrent loans | 487.5000% | 986 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 6,027 |
| Noncurrent loans to loans | 0.4174% | 4,654 |
| Net loans and leases to total assets | 8.1441% | 6,538 |
| Net loans and leases to deposits | 11.8499% | 6,536 |
| Net loans and leases to core deposits | 11.9632% | 6,526 |
| Total domestic deposits to total assets | 68.7271% | 6,322 |
| Equity capital to assets | 20.9166% | 192 |
| Core capital (leverage) ratio | 19.8985% | 215 |
| Tier 1 risk-based capital ratio | 56.2825% | 108 |
| Total risk-based capital ratio | 56.7377% | 110 |
| Memoranda: | ||
| Average total assets | $65,691,500 | 5,462 |
| Average earning assets | $11,858,500 | 6,542 |
| Average equity | $11,165,750 | 4,558 |
| Average total loans | $3,757,750 | 6,533 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9985% | 6,620 |
| Cost of funding earning assets | 0.2031% | 5,883 |
| Net interest margin | 0.7954% | 6,623 |
| Noninterest income to average assets | 34.3729% | 26 |
| Noninterest expense to average assets | 8.5018% | 96 |
| Loan and lease loss provision to assets | -0.0415% | 6,284 |
| Net operating income to assets | 16.1840% | 10 |
| Return on assets (ROA) | 16.1840% | 10 |
| Pretax return on assets | 26.0428% | 10 |
| Return on Equity (ROE) | 100.1285% | 3 |
| Retained earnings to average equity (ytd only) | -45.5067% | 6,622 |
| Net charge-offs to loans | 0.6966% | 549 |
| Credit loss provision to net charge-offs | -115.3846% | 5,285 |
| Earnings coverage of net charge-offs (x) | 722.2308% | 94 |
| Efficiency ratio | 24.6408% | 6,625 |
| Assets per employee ($millions) | 2.7116% | 6,124 |
| Cash dividends to net income (ytd only)* | 145.4483% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9355% | 1,493 |
| Loan loss allowance to noncurrent loans | 255.5556% | 1,731 |
| Noncurrent assets plus other real estate owned to assets | 0.0498% | 6,042 |
| Noncurrent loans to loans | 0.7574% | 3,809 |
| Net loans and leases to total assets | 6.4464% | 6,609 |
| Net loans and leases to deposits | 10.6800% | 6,606 |
| Net loans and leases to core deposits | 10.7788% | 6,596 |
| Total domestic deposits to total assets | 60.3592% | 6,556 |
| Equity capital to assets | 17.6888% | 349 |
| Core capital (leverage) ratio | 18.0306% | 299 |
| Tier 1 risk-based capital ratio | 57.9252% | 97 |
| Total risk-based capital ratio | 58.3419% | 100 |
| Memoranda: | ||
| Average total assets | $72,219,670 | 5,329 |
| Average earning assets | $11,817,670 | 6,609 |
| Average equity | $11,673,000 | 4,458 |
| Average total loans | $3,732,670 | 6,598 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0078% | 6,700 |
| Cost of funding earning assets | 0.2352% | 5,710 |
| Net interest margin | 0.7727% | 6,703 |
| Noninterest income to average assets | 38.2547% | 27 |
| Noninterest expense to average assets | 7.4667% | 124 |
| Loan and lease loss provision to assets | -0.1773% | 6,551 |
| Net operating income to assets | 19.1889% | 11 |
| Return on assets (ROA) | 19.1889% | 11 |
| Pretax return on assets | 31.0786% | 11 |
| Return on Equity (ROE) | 122.5832% | 5 |
| Retained earnings to average equity (ytd only) | 28.1916% | 44 |
| Net charge-offs to loans | 0.8385% | 413 |
| Credit loss provision to net charge-offs | -450.0000% | 5,160 |
| Earnings coverage of net charge-offs (x) | 784.2500% | 34 |
| Efficiency ratio | 19.4608% | 6,712 |
| Assets per employee ($millions) | 2.8805% | 6,002 |
| Cash dividends to net income (ytd only)* | 77.0021% | 1,023 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9421% | 1,642 |
| Loan loss allowance to noncurrent loans | 662.5000% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.0146% | 6,279 |
| Noncurrent loans to loans | 0.2931% | 5,239 |
| Net loans and leases to total assets | 4.8895% | 6,684 |
| Net loans and leases to deposits | 8.5951% | 6,680 |
| Net loans and leases to core deposits | 8.6787% | 6,672 |
| Total domestic deposits to total assets | 56.8865% | 6,650 |
| Equity capital to assets | 24.0471% | 111 |
| Core capital (leverage) ratio | 23.0547% | 118 |
| Tier 1 risk-based capital ratio | 84.4683% | 61 |
| Total risk-based capital ratio | 84.8084% | 61 |
| Memoranda: | ||
| Average total assets | $81,213,500 | 5,184 |
| Average earning assets | $11,907,000 | 6,682 |
| Average equity | $12,713,000 | 4,290 |
| Average total loans | $3,816,500 | 6,669 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7440% | 6,782 |
| Cost of funding earning assets | 0.2275% | 6,123 |
| Net interest margin | 0.5165% | 6,782 |
| Noninterest income to average assets | 29.5178% | 29 |
| Noninterest expense to average assets | 8.3148% | 107 |
| Loan and lease loss provision to assets | 0.0204% | 4,728 |
| Net operating income to assets | 13.3304% | 17 |
| Return on assets (ROA) | 13.3304% | 17 |
| Pretax return on assets | 21.2897% | 15 |
| Return on Equity (ROE) | 66.6408% | 10 |
| Retained earnings to average equity (ytd only) | -59.1747% | 6,779 |
| Net charge-offs to loans | 0.4349% | 1,528 |
| Credit loss provision to net charge-offs | 94.1176% | 2,649 |
| Earnings coverage of net charge-offs (x) | 983.7059% | 36 |
| Efficiency ratio | 28.0669% | 6,774 |
| Assets per employee ($millions) | 5.6683% | 1,494 |
| Cash dividends to net income (ytd only)* | 188.7965% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9780% | 1,604 |
| Loan loss allowance to noncurrent loans | 808.3333% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0111% | 6,386 |
| Noncurrent loans to loans | 0.2447% | 5,446 |
| Net loans and leases to total assets | 4.4634% | 6,765 |
| Net loans and leases to deposits | 5.7946% | 6,768 |
| Net loans and leases to core deposits | 5.8156% | 6,757 |
| Total domestic deposits to total assets | 77.0281% | 5,965 |
| Equity capital to assets | 11.3884% | 2,246 |
| Core capital (leverage) ratio | 18.6084% | 265 |
| Tier 1 risk-based capital ratio | 37.1543% | 275 |
| Total risk-based capital ratio | 37.4481% | 289 |
| Memoranda: | ||
| Average total assets | $78,474,600 | 5,271 |
| Average earning assets | $16,264,200 | 6,716 |
| Average equity | $15,697,600 | 3,750 |
| Average total loans | $3,908,800 | 6,750 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6786% | 6,864 |
| Cost of funding earning assets | 0.2184% | 6,300 |
| Net interest margin | 0.4601% | 6,862 |
| Noninterest income to average assets | 30.5144% | 28 |
| Noninterest expense to average assets | 8.8538% | 96 |
| Loan and lease loss provision to assets | -0.0225% | 6,496 |
| Net operating income to assets | 13.3426% | 16 |
| Return on assets (ROA) | 13.3426% | 16 |
| Pretax return on assets | 21.7936% | 15 |
| Return on Equity (ROE) | 57.3563% | 13 |
| Retained earnings to average equity (ytd only) | -89.6182% | 6,881 |
| Net charge-offs to loans | 0.5464% | 1,162 |
| Credit loss provision to net charge-offs | -80.0000% | 5,751 |
| Earnings coverage of net charge-offs (x) | 774.7140% | 65 |
| Efficiency ratio | 28.9105% | 6,843 |
| Assets per employee ($millions) | 2.4624% | 6,505 |
| Cash dividends to net income (ytd only)* | 256.2484% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9543% | 1,840 |
| Loan loss allowance to noncurrent loans | 1,014.2857% | 464 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 6,456 |
| Noncurrent loans to loans | 0.1927% | 5,759 |
| Net loans and leases to total assets | 7.6134% | 6,841 |
| Net loans and leases to deposits | 12.7734% | 6,830 |
| Net loans and leases to core deposits | 12.9123% | 6,822 |
| Total domestic deposits to total assets | 59.6033% | 6,787 |
| Equity capital to assets | 22.2844% | 138 |
| Core capital (leverage) ratio | 20.0207% | 203 |
| Tier 1 risk-based capital ratio | 63.1649% | 81 |
| Total risk-based capital ratio | 63.5951% | 83 |
| Memoranda: | ||
| Average total assets | $71,169,000 | 5,495 |
| Average earning assets | $17,095,000 | 6,777 |
| Average equity | $16,555,750 | 3,664 |
| Average total loans | $3,660,000 | 6,830 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6190% | 6,915 |
| Cost of funding earning assets | 0.2321% | 6,290 |
| Net interest margin | 0.3869% | 6,919 |
| Noninterest income to average assets | 29.6809% | 29 |
| Noninterest expense to average assets | 8.0331% | 120 |
| Loan and lease loss provision to assets | -0.0429% | 6,635 |
| Net operating income to assets | 13.3322% | 14 |
| Return on assets (ROA) | 13.3322% | 14 |
| Pretax return on assets | 21.7790% | 13 |
| Return on Equity (ROE) | 56.8418% | 14 |
| Retained earnings to average equity (ytd only) | -117.8988% | 6,931 |
| Net charge-offs to loans | 0.5996% | 1,103 |
| Credit loss provision to net charge-offs | -154.5455% | 5,679 |
| Earnings coverage of net charge-offs (x) | 783.4545% | 45 |
| Efficiency ratio | 26.9847% | 6,900 |
| Assets per employee ($millions) | 2.8732% | 6,066 |
| Cash dividends to net income (ytd only)* | 307.4158% | 42 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9526% | 1,960 |
| Loan loss allowance to noncurrent loans | 411.7647% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.0282% | 6,449 |
| Noncurrent loans to loans | 0.4742% | 5,077 |
| Net loans and leases to total assets | 5.8256% | 6,892 |
| Net loans and leases to deposits | 10.8011% | 6,887 |
| Net loans and leases to core deposits | 10.9016% | 6,878 |
| Total domestic deposits to total assets | 53.9354% | 6,868 |
| Equity capital to assets | 17.5514% | 361 |
| Core capital (leverage) ratio | 17.4669% | 324 |
| Tier 1 risk-based capital ratio | 61.5626% | 84 |
| Total risk-based capital ratio | 61.9695% | 85 |
| Memoranda: | ||
| Average total assets | $79,296,670 | 5,341 |
| Average earning assets | $18,094,000 | 6,804 |
| Average equity | $18,599,000 | 3,384 |
| Average total loans | $3,669,000 | 6,879 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5510% | 6,995 |
| Cost of funding earning assets | 0.2865% | 6,062 |
| Net interest margin | 0.2645% | 7,002 |
| Noninterest income to average assets | 32.9727% | 28 |
| Noninterest expense to average assets | 8.4392% | 111 |
| Loan and lease loss provision to assets | -0.0811% | 6,822 |
| Net operating income to assets | 15.0896% | 9 |
| Return on assets (ROA) | 15.0896% | 10 |
| Pretax return on assets | 24.6687% | 10 |
| Return on Equity (ROE) | 59.2652% | 20 |
| Retained earnings to average equity (ytd only) | 37.1447% | 28 |
| Net charge-offs to loans | 0.7545% | 806 |
| Credit loss provision to net charge-offs | -257.1429% | 5,319 |
| Earnings coverage of net charge-offs (x) | 779.5714% | 33 |
| Efficiency ratio | 25.5525% | 6,976 |
| Assets per employee ($millions) | 2.9585% | 6,059 |
| Cash dividends to net income (ytd only)* | 37.3246% | 1,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6533% | 967 |
| Loan loss allowance to noncurrent loans | 493.3333% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.0230% | 6,545 |
| Noncurrent loans to loans | 0.5378% | 5,100 |
| Net loans and leases to total assets | 4.1713% | 6,972 |
| Net loans and leases to deposits | 9.6448% | 6,965 |
| Net loans and leases to core deposits | 9.7487% | 6,956 |
| Total domestic deposits to total assets | 43.2498% | 6,961 |
| Equity capital to assets | 36.3406% | 49 |
| Core capital (leverage) ratio | 33.4877% | 55 |
| Tier 1 risk-based capital ratio | 136.9521% | 34 |
| Total risk-based capital ratio | 137.3806% | 34 |
| Memoranda: | ||
| Average total assets | $88,776,500 | 5,134 |
| Average earning assets | $18,150,000 | 6,876 |
| Average equity | $22,603,500 | 2,969 |
| Average total loans | $3,711,000 | 6,956 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6254% | 7,049 |
| Cost of funding earning assets | 0.2539% | 6,657 |
| Net interest margin | 0.3715% | 7,061 |
| Noninterest income to average assets | 26.9331% | 31 |
| Noninterest expense to average assets | 6.6649% | 165 |
| Loan and lease loss provision to assets | 0.0453% | 5,273 |
| Net operating income to assets | 12.4229% | 14 |
| Return on assets (ROA) | 12.4229% | 15 |
| Pretax return on assets | 20.3223% | 12 |
| Return on Equity (ROE) | 48.5985% | 16 |
| Retained earnings to average equity (ytd only) | 15.3355% | 142 |
| Net charge-offs to loans | 0.5708% | 2,015 |
| Credit loss provision to net charge-offs | 92.3077% | 3,378 |
| Earnings coverage of net charge-offs (x) | 414.5897% | 96 |
| Efficiency ratio | 24.6552% | 7,037 |
| Assets per employee ($millions) | 5.1121% | 2,079 |
| Cash dividends to net income (ytd only)* | 68.4445% | 1,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1153% | 1,728 |
| Loan loss allowance to noncurrent loans | 515.7895% | 805 |
| Noncurrent assets plus other real estate owned to assets | 0.0169% | 6,633 |
| Noncurrent loans to loans | 0.4101% | 5,459 |
| Net loans and leases to total assets | 4.0323% | 7,033 |
| Net loans and leases to deposits | 6.1231% | 7,034 |
| Net loans and leases to core deposits | 6.1480% | 7,025 |
| Total domestic deposits to total assets | 65.8546% | 6,902 |
| Equity capital to assets | 19.1649% | 254 |
| Core capital (leverage) ratio | 26.9651% | 75 |
| Tier 1 risk-based capital ratio | 73.5732% | 70 |
| Total risk-based capital ratio | 73.9077% | 71 |
| Memoranda: | ||
| Average total assets | $79,385,600 | 5,372 |
| Average earning assets | $21,265,800 | 6,879 |
| Average equity | $20,292,800 | 3,165 |
| Average total loans | $6,832,000 | 6,954 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6051% | 7,165 |
| Cost of funding earning assets | 0.2261% | 6,886 |
| Net interest margin | 0.3789% | 7,167 |
| Noninterest income to average assets | 29.6149% | 28 |
| Noninterest expense to average assets | 7.1956% | 134 |
| Loan and lease loss provision to assets | 0.0038% | 5,755 |
| Net operating income to assets | 13.8907% | 11 |
| Return on assets (ROA) | 13.8907% | 11 |
| Pretax return on assets | 22.5318% | 10 |
| Return on Equity (ROE) | 49.4477% | 16 |
| Retained earnings to average equity (ytd only) | 12.7407% | 415 |
| Net charge-offs to loans | 0.6683% | 1,643 |
| Credit loss provision to net charge-offs | 5.4054% | 5,122 |
| Earnings coverage of net charge-offs (x) | 324.8788% | 143 |
| Efficiency ratio | 24.2023% | 7,141 |
| Assets per employee ($millions) | 3.0683% | 5,929 |
| Cash dividends to net income (ytd only)* | 74.2340% | 792 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9875% | 2,200 |
| Loan loss allowance to noncurrent loans | 515.3846% | 743 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 6,712 |
| Noncurrent loans to loans | 0.3856% | 5,696 |
| Net loans and leases to total assets | 5.6675% | 7,131 |
| Net loans and leases to deposits | 10.8656% | 7,125 |
| Net loans and leases to core deposits | 10.9738% | 7,120 |
| Total domestic deposits to total assets | 52.1605% | 7,107 |
| Equity capital to assets | 34.9092% | 52 |
| Core capital (leverage) ratio | 31.3604% | 62 |
| Tier 1 risk-based capital ratio | 124.9985% | 45 |
| Total risk-based capital ratio | 125.4100% | 45 |
| Memoranda: | ||
| Average total assets | $71,115,500 | 5,663 |
| Average earning assets | $21,814,500 | 6,956 |
| Average equity | $19,977,500 | 3,240 |
| Average total loans | $7,381,750 | 7,029 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5531% | 7,226 |
| Cost of funding earning assets | 0.1901% | 7,048 |
| Net interest margin | 0.3630% | 7,230 |
| Noninterest income to average assets | 31.2436% | 28 |
| Noninterest expense to average assets | 7.1417% | 142 |
| Loan and lease loss provision to assets | 0.0106% | 5,528 |
| Net operating income to assets | 14.8909% | 11 |
| Return on assets (ROA) | 14.8909% | 11 |
| Pretax return on assets | 24.2027% | 9 |
| Return on Equity (ROE) | 56.5456% | 13 |
| Retained earnings to average equity (ytd only) | 33.8790% | 40 |
| Net charge-offs to loans | 0.8258% | 1,337 |
| Credit loss provision to net charge-offs | 11.1111% | 4,727 |
| Earnings coverage of net charge-offs (x) | 253.5278% | 170 |
| Efficiency ratio | 22.7769% | 7,203 |
| Assets per employee ($millions) | 3.3805% | 5,248 |
| Cash dividends to net income (ytd only)* | 40.0855% | 2,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1378% | 5,611 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,079 |
| Noncurrent assets plus other real estate owned to assets | 0.0327% | 6,753 |
| Noncurrent loans to loans | 0.3414% | 5,866 |
| Net loans and leases to total assets | 9.4692% | 7,185 |
| Net loans and leases to deposits | 18.5767% | 7,146 |
| Net loans and leases to core deposits | 18.7485% | 7,147 |
| Total domestic deposits to total assets | 50.9739% | 7,178 |
| Equity capital to assets | 33.9488% | 55 |
| Core capital (leverage) ratio | 34.1937% | 52 |
| Tier 1 risk-based capital ratio | 82.1064% | 55 |
| Total risk-based capital ratio | 82.3700% | 57 |
| Memoranda: | ||
| Average total assets | $75,388,330 | 5,566 |
| Average earning assets | $23,141,670 | 6,982 |
| Average equity | $19,853,000 | 3,244 |
| Average total loans | $8,718,670 | 7,047 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5900% | 7,289 |
| Cost of funding earning assets | 0.1803% | 7,133 |
| Net interest margin | 0.4097% | 7,291 |
| Noninterest income to average assets | 20.6650% | 36 |
| Noninterest expense to average assets | 6.6100% | 163 |
| Loan and lease loss provision to assets | 0.0198% | 5,093 |
| Net operating income to assets | 9.2382% | 23 |
| Return on assets (ROA) | 9.2382% | 24 |
| Pretax return on assets | 14.1587% | 23 |
| Return on Equity (ROE) | 39.6249% | 50 |
| Retained earnings to average equity (ytd only) | 18.4351% | 231 |
| Net charge-offs to loans | 0.2799% | 2,549 |
| Credit loss provision to net charge-offs | 57.1429% | 3,167 |
| Earnings coverage of net charge-offs (x) | 410.0000% | 66 |
| Efficiency ratio | 31.7966% | 7,223 |
| Assets per employee ($millions) | 2.8130% | 6,483 |
| Cash dividends to net income (ytd only)* | 53.4759% | 1,364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 5,117 |
| Loan loss allowance to noncurrent loans | 230.2326% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 6,712 |
| Noncurrent loans to loans | 0.5551% | 5,553 |
| Net loans and leases to total assets | 12.3566% | 7,226 |
| Net loans and leases to deposits | 26.7893% | 7,115 |
| Net loans and leases to core deposits | 27.0738% | 7,118 |
| Total domestic deposits to total assets | 46.1251% | 7,251 |
| Equity capital to assets | 31.2058% | 55 |
| Core capital (leverage) ratio | 31.6611% | 53 |
| Tier 1 risk-based capital ratio | 88.6766% | 52 |
| Total risk-based capital ratio | 89.1312% | 52 |
| Memoranda: | ||
| Average total assets | $80,968,000 | 5,444 |
| Average earning assets | $24,406,500 | 7,005 |
| Average equity | $18,877,000 | 3,370 |
| Average total loans | $10,002,000 | 7,062 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7964% | 7,331 |
| Cost of funding earning assets | 0.1991% | 7,239 |
| Net interest margin | 0.5973% | 7,328 |
| Noninterest income to average assets | 24.6595% | 30 |
| Noninterest expense to average assets | 9.8063% | 76 |
| Loan and lease loss provision to assets | 0.0240% | 6,278 |
| Net operating income to assets | 9.2206% | 20 |
| Return on assets (ROA) | 9.2206% | 22 |
| Pretax return on assets | 15.0297% | 18 |
| Return on Equity (ROE) | 31.6900% | 38 |
| Retained earnings to average equity (ytd only) | 19.9181% | 49 |
| Net charge-offs to loans | 0.7323% | 2,321 |
| Credit loss provision to net charge-offs | 34.1463% | 5,725 |
| Earnings coverage of net charge-offs (x) | 214.3902% | 158 |
| Efficiency ratio | 39.4461% | 7,222 |
| Assets per employee ($millions) | 4.5477% | 2,829 |
| Cash dividends to net income (ytd only)* | 37.1471% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8321% | 6,679 |
| Loan loss allowance to noncurrent loans | 510.0000% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.0200% | 6,924 |
| Noncurrent loans to loans | 0.1632% | 6,428 |
| Net loans and leases to total assets | 12.1499% | 7,278 |
| Net loans and leases to deposits | 20.8165% | 7,245 |
| Net loans and leases to core deposits | 20.9240% | 7,243 |
| Total domestic deposits to total assets | 58.3668% | 7,249 |
| Equity capital to assets | 18.4328% | 321 |
| Core capital (leverage) ratio | 25.7412% | 98 |
| Tier 1 risk-based capital ratio | 48.8400% | 140 |
| Total risk-based capital ratio | 49.1102% | 144 |
| Memoranda: | ||
| Average total assets | $58,391,200 | 6,091 |
| Average earning assets | $19,588,200 | 7,151 |
| Average equity | $16,989,600 | 3,580 |
| Average total loans | $5,598,800 | 7,252 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8756% | 7,410 |
| Cost of funding earning assets | 0.2095% | 7,321 |
| Net interest margin | 0.6660% | 7,406 |
| Noninterest income to average assets | 25.9621% | 30 |
| Noninterest expense to average assets | 10.8217% | 69 |
| Loan and lease loss provision to assets | -0.0584% | 7,337 |
| Net operating income to assets | 9.6211% | 21 |
| Return on assets (ROA) | 9.6211% | 23 |
| Pretax return on assets | 15.4461% | 19 |
| Return on Equity (ROE) | 27.7622% | 82 |
| Retained earnings to average equity (ytd only) | 19.7431% | 80 |
| Net charge-offs to loans | 1.0846% | 1,471 |
| Credit loss provision to net charge-offs | -65.6250% | 6,483 |
| Earnings coverage of net charge-offs (x) | 173.0134% | 225 |
| Efficiency ratio | 41.2894% | 7,231 |
| Assets per employee ($millions) | 1.6939% | 7,305 |
| Cash dividends to net income (ytd only)* | 28.8851% | 2,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1702% | 1,921 |
| Loan loss allowance to noncurrent loans | 296.1538% | 1,042 |
| Noncurrent assets plus other real estate owned to assets | 0.0614% | 6,895 |
| Noncurrent loans to loans | 0.7328% | 5,410 |
| Net loans and leases to total assets | 8.1966% | 7,373 |
| Net loans and leases to deposits | 15.8667% | 7,355 |
| Net loans and leases to core deposits | 16.0873% | 7,347 |
| Total domestic deposits to total assets | 51.6589% | 7,352 |
| Equity capital to assets | 41.3725% | 51 |
| Core capital (leverage) ratio | 38.5852% | 53 |
| Tier 1 risk-based capital ratio | 100.0228% | 56 |
| Total risk-based capital ratio | 100.4624% | 56 |
| Memoranda: | ||
| Average total assets | $47,976,500 | 6,479 |
| Average earning assets | $17,817,250 | 7,262 |
| Average equity | $16,626,500 | 3,640 |
| Average total loans | $3,934,000 | 7,361 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9343% | 7,486 |
| Cost of funding earning assets | 0.2139% | 7,403 |
| Net interest margin | 0.7204% | 7,478 |
| Noninterest income to average assets | 26.0606% | 31 |
| Noninterest expense to average assets | 10.6072% | 70 |
| Loan and lease loss provision to assets | -0.0883% | 7,421 |
| Net operating income to assets | 9.8249% | 24 |
| Return on assets (ROA) | 9.8249% | 25 |
| Pretax return on assets | 15.7984% | 19 |
| Return on Equity (ROE) | 29.9963% | 69 |
| Retained earnings to average equity (ytd only) | 29.9963% | 40 |
| Net charge-offs to loans | 1.6245% | 901 |
| Credit loss provision to net charge-offs | -66.6667% | 6,270 |
| Earnings coverage of net charge-offs (x) | 118.6667% | 298 |
| Efficiency ratio | 40.3049% | 7,335 |
| Assets per employee ($millions) | 2.1630% | 7,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9919% | 2,395 |
| Loan loss allowance to noncurrent loans | 389.4737% | 830 |
| Noncurrent assets plus other real estate owned to assets | 0.0439% | 6,985 |
| Noncurrent loans to loans | 0.5114% | 5,878 |
| Net loans and leases to total assets | 8.4166% | 7,444 |
| Net loans and leases to deposits | 16.2974% | 7,428 |
| Net loans and leases to core deposits | 16.5192% | 7,425 |
| Total domestic deposits to total assets | 51.6436% | 7,421 |
| Equity capital to assets | 40.4693% | 55 |
| Core capital (leverage) ratio | 40.8098% | 53 |
| Tier 1 risk-based capital ratio | 121.5511% | 47 |
| Total risk-based capital ratio | 122.0648% | 47 |
| Memoranda: | ||
| Average total assets | $49,853,000 | 6,482 |
| Average earning assets | $17,768,000 | 7,333 |
| Average equity | $16,328,670 | 3,678 |
| Average total loans | $4,062,670 | 7,432 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0006% | 7,546 |
| Cost of funding earning assets | 0.2956% | 7,393 |
| Net interest margin | 0.7050% | 7,539 |
| Noninterest income to average assets | 26.4537% | 32 |
| Noninterest expense to average assets | 10.3933% | 73 |
| Loan and lease loss provision to assets | -0.1957% | 7,507 |
| Net operating income to assets | 10.2579% | 21 |
| Return on assets (ROA) | 10.2579% | 21 |
| Pretax return on assets | 16.4893% | 16 |
| Return on Equity (ROE) | 34.6390% | 58 |
| Retained earnings to average equity (ytd only) | 34.6390% | 45 |
| Net charge-offs to loans | 1.6051% | 841 |
| Credit loss provision to net charge-offs | -152.9412% | 5,782 |
| Earnings coverage of net charge-offs (x) | 127.3529% | 250 |
| Efficiency ratio | 38.9453% | 7,410 |
| Assets per employee ($millions) | 1.9224% | 7,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7380% | 1,166 |
| Loan loss allowance to noncurrent loans | 390.9091% | 807 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 7,016 |
| Noncurrent loans to loans | 0.7004% | 5,617 |
| Net loans and leases to total assets | 7.9458% | 7,508 |
| Net loans and leases to deposits | 16.2483% | 7,489 |
| Net loans and leases to core deposits | 16.5117% | 7,481 |
| Total domestic deposits to total assets | 48.9024% | 7,489 |
| Equity capital to assets | 42.7096% | 51 |
| Core capital (leverage) ratio | 38.9714% | 54 |
| Tier 1 risk-based capital ratio | 113.3656% | 49 |
| Total risk-based capital ratio | 113.9593% | 49 |
| Memoranda: | ||
| Average total assets | $53,149,500 | 6,407 |
| Average earning assets | $17,589,500 | 7,394 |
| Average equity | $15,739,500 | 3,762 |
| Average total loans | $4,236,500 | 7,489 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7714% | 7,270 |
| Cost of funding earning assets | 0.3507% | 7,471 |
| Net interest margin | 3.4207% | 5,545 |
| Noninterest income to average assets | 7.7650% | 85 |
| Noninterest expense to average assets | 4.9536% | 430 |
| Loan and lease loss provision to assets | 0.0797% | 6,358 |
| Net operating income to assets | 3.4524% | 52 |
| Return on assets (ROA) | 3.4524% | 54 |
| Pretax return on assets | 5.4868% | 45 |
| Return on Equity (ROE) | 21.9959% | 163 |
| Retained earnings to average equity (ytd only) | 21.9959% | 35 |
| Net charge-offs to loans | 0.3621% | 4,208 |
| Credit loss provision to net charge-offs | 33.8308% | 6,464 |
| Earnings coverage of net charge-offs (x) | 23.6318% | 895 |
| Efficiency ratio | 47.0870% | 7,312 |
| Assets per employee ($millions) | 3.5711% | 4,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4381% | 1,499 |
| Loan loss allowance to noncurrent loans | 371.4286% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.0516% | 7,104 |
| Noncurrent loans to loans | 0.6564% | 5,742 |
| Net loans and leases to total assets | 7.6668% | 7,591 |
| Net loans and leases to deposits | 11.7183% | 7,592 |
| Net loans and leases to core deposits | 11.7981% | 7,579 |
| Total domestic deposits to total assets | 65.4257% | 7,405 |
| Equity capital to assets | 22.1927% | 177 |
| Core capital (leverage) ratio | 31.7184% | 77 |
| Tier 1 risk-based capital ratio | 64.4358% | 88 |
| Total risk-based capital ratio | 64.9921% | 90 |
| Memoranda: | ||
| Average total assets | $85,332,000 | 5,430 |
| Average earning assets | $68,728,600 | 5,709 |
| Average equity | $13,393,400 | 4,287 |
| Average total loans | $55,515,600 | 5,258 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1781% | 7,120 |
| Cost of funding earning assets | 0.3742% | 7,592 |
| Net interest margin | 3.8039% | 3,958 |
| Noninterest income to average assets | 5.0848% | 135 |
| Noninterest expense to average assets | 3.9359% | 1,145 |
| Loan and lease loss provision to assets | 0.0565% | 6,505 |
| Net operating income to assets | 2.7884% | 100 |
| Return on assets (ROA) | 2.7884% | 104 |
| Pretax return on assets | 4.5379% | 64 |
| Return on Equity (ROE) | 19.2743% | 370 |
| Retained earnings to average equity (ytd only) | 19.2743% | 95 |
| Net charge-offs to loans | 0.3369% | 3,962 |
| Credit loss provision to net charge-offs | 22.0930% | 6,226 |
| Earnings coverage of net charge-offs (x) | 17.9707% | 1,292 |
| Efficiency ratio | 46.1404% | 7,380 |
| Assets per employee ($millions) | 1.6033% | 7,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3195% | 624 |
| Loan loss allowance to noncurrent loans | 336.8421% | 882 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 7,047 |
| Noncurrent loans to loans | 0.9855% | 5,268 |
| Net loans and leases to total assets | 12.2382% | 7,684 |
| Net loans and leases to deposits | 28.9914% | 7,577 |
| Net loans and leases to core deposits | 29.6839% | 7,586 |
| Total domestic deposits to total assets | 42.2132% | 7,679 |
| Equity capital to assets | 45.9195% | 53 |
| Core capital (leverage) ratio | 25.3516% | 122 |
| Tier 1 risk-based capital ratio | 136.6816% | 47 |
| Total risk-based capital ratio | 137.9324% | 47 |
| Memoranda: | ||
| Average total assets | $89,702,250 | 5,366 |
| Average earning assets | $81,247,000 | 5,365 |
| Average equity | $12,977,250 | 4,447 |
| Average total loans | $68,061,500 | 4,829 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2182% | 7,150 |
| Cost of funding earning assets | 0.3821% | 7,667 |
| Net interest margin | 3.8361% | 3,731 |
| Noninterest income to average assets | 2.5437% | 267 |
| Noninterest expense to average assets | 2.8324% | 4,351 |
| Loan and lease loss provision to assets | 0.0713% | 6,234 |
| Net operating income to assets | 1.9900% | 340 |
| Return on assets (ROA) | 1.9900% | 375 |
| Pretax return on assets | 3.2362% | 100 |
| Return on Equity (ROE) | 17.2306% | 548 |
| Retained earnings to average equity (ytd only) | 17.2306% | 148 |
| Net charge-offs to loans | 0.2794% | 3,941 |
| Credit loss provision to net charge-offs | 31.2000% | 5,716 |
| Earnings coverage of net charge-offs (x) | 14.4800% | 1,514 |
| Efficiency ratio | 46.1310% | 7,433 |
| Assets per employee ($millions) | 6.2080% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1977% | 7,709 |
| Loan loss allowance to noncurrent loans | 293.3333% | 981 |
| Noncurrent assets plus other real estate owned to assets | 0.0537% | 7,258 |
| Noncurrent loans to loans | 0.0674% | 7,144 |
| Net loans and leases to total assets | 79.4924% | 879 |
| Net loans and leases to deposits | 94.8369% | 1,167 |
| Net loans and leases to core deposits | 95.1416% | 2,568 |
| Total domestic deposits to total assets | 83.8202% | 4,191 |
| Equity capital to assets | 11.8136% | 2,214 |
| Core capital (leverage) ratio | 12.3965% | 1,451 |
| Tier 1 risk-based capital ratio | 45.4486% | 181 |
| Total risk-based capital ratio | 46.0545% | 184 |
| Memoranda: | ||
| Average total assets | $109,449,000 | 4,818 |
| Average earning assets | $102,603,670 | 4,731 |
| Average equity | $12,640,330 | 4,515 |
| Average total loans | $89,463,330 | 4,159 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 7,276 |
| Cost of funding earning assets | 0.2685% | 7,832 |
| Net interest margin | 3.9224% | 3,233 |
| Noninterest income to average assets | 1.8098% | 392 |
| Noninterest expense to average assets | 2.5152% | 5,677 |
| Loan and lease loss provision to assets | 0.0259% | 6,407 |
| Net operating income to assets | 1.8319% | 462 |
| Return on assets (ROA) | 1.8319% | 510 |
| Pretax return on assets | 2.9916% | 141 |
| Return on Equity (ROE) | 16.0518% | 710 |
| Retained earnings to average equity (ytd only) | 16.0518% | 338 |
| Net charge-offs to loans | 0.3434% | 3,037 |
| Credit loss provision to net charge-offs | 9.0909% | 5,055 |
| Earnings coverage of net charge-offs (x) | 10.6104% | 1,728 |
| Efficiency ratio | 45.4606% | 7,572 |
| Assets per employee ($millions) | 5.5642% | 1,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2166% | 7,805 |
| Loan loss allowance to noncurrent loans | 325.4237% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.0558% | 7,349 |
| Noncurrent loans to loans | 0.0666% | 7,231 |
| Net loans and leases to total assets | 83.6512% | 405 |
| Net loans and leases to deposits | 98.3300% | 878 |
| Net loans and leases to core deposits | 98.6591% | 2,276 |
| Total domestic deposits to total assets | 85.0719% | 3,641 |
| Equity capital to assets | 11.9258% | 2,085 |
| Core capital (leverage) ratio | 11.7374% | 1,781 |
| Tier 1 risk-based capital ratio | 51.3376% | 148 |
| Total risk-based capital ratio | 52.1194% | 147 |
| Memoranda: | ||
| Average total assets | $108,301,500 | 4,917 |
| Average earning assets | $102,795,500 | 4,789 |
| Average equity | $12,360,000 | 4,625 |
| Average total loans | $89,693,000 | 4,205 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4456% | 7,436 |
| Cost of funding earning assets | 0.8633% | 7,466 |
| Net interest margin | 3.5823% | 4,612 |
| Noninterest income to average assets | 1.3662% | 788 |
| Noninterest expense to average assets | 2.5669% | 5,903 |
| Loan and lease loss provision to assets | 0.3130% | 4,942 |
| Net operating income to assets | 1.2159% | 1,206 |
| Return on assets (ROA) | 1.2159% | 1,256 |
| Pretax return on assets | 1.9723% | 428 |
| Return on Equity (ROE) | 11.2480% | 1,366 |
| Retained earnings to average equity (ytd only) | 11.2480% | 271 |
| Net charge-offs to loans | 0.4137% | 4,157 |
| Credit loss provision to net charge-offs | 88.4409% | 6,053 |
| Earnings coverage of net charge-offs (x) | 6.4570% | 2,359 |
| Efficiency ratio | 52.9020% | 7,327 |
| Assets per employee ($millions) | 6.5225% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2887% | 7,831 |
| Loan loss allowance to noncurrent loans | 287.9121% | 1,065 |
| Noncurrent assets plus other real estate owned to assets | 0.0821% | 7,294 |
| Noncurrent loans to loans | 0.1003% | 7,164 |
| Net loans and leases to total assets | 81.6140% | 745 |
| Net loans and leases to deposits | 95.9539% | 1,336 |
| Net loans and leases to core deposits | 95.9539% | 4,474 |
| Total domestic deposits to total assets | 85.0554% | 3,525 |
| Equity capital to assets | 10.9232% | 2,759 |
| Core capital (leverage) ratio | 11.5237% | 1,904 |
| Tier 1 risk-based capital ratio | 39.2215% | 266 |
| Total risk-based capital ratio | 40.0699% | 267 |
| Memoranda: | ||
| Average total assets | $105,107,000 | 4,957 |
| Average earning assets | $102,281,400 | 4,786 |
| Average equity | $11,362,000 | 4,918 |
| Average total loans | $89,916,000 | 4,213 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4891% | 7,520 |
| Cost of funding earning assets | 1.0480% | 7,290 |
| Net interest margin | 3.4410% | 5,108 |
| Noninterest income to average assets | 0.9428% | 1,806 |
| Noninterest expense to average assets | 2.5286% | 5,984 |
| Loan and lease loss provision to assets | 0.2547% | 4,914 |
| Net operating income to assets | 0.9415% | 2,267 |
| Return on assets (ROA) | 0.9415% | 2,329 |
| Pretax return on assets | 1.5421% | 1,298 |
| Return on Equity (ROE) | 8.7340% | 2,360 |
| Retained earnings to average equity (ytd only) | 8.7340% | 912 |
| Net charge-offs to loans | 0.4533% | 3,420 |
| Credit loss provision to net charge-offs | 64.9180% | 6,082 |
| Earnings coverage of net charge-offs (x) | 4.5803% | 3,088 |
| Efficiency ratio | 58.4597% | 6,658 |
| Assets per employee ($millions) | 5.1852% | 1,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2214% | 7,965 |
| Loan loss allowance to noncurrent loans | 230.2326% | 1,287 |
| Noncurrent assets plus other real estate owned to assets | 0.0829% | 7,341 |
| Noncurrent loans to loans | 0.0961% | 7,244 |
| Net loans and leases to total assets | 86.0651% | 337 |
| Net loans and leases to deposits | 98.6843% | 1,247 |
| Net loans and leases to core deposits | 98.6843% | 4,524 |
| Total domestic deposits to total assets | 87.2126% | 2,072 |
| Equity capital to assets | 11.1529% | 2,874 |
| Core capital (leverage) ratio | 11.1614% | 2,294 |
| Tier 1 risk-based capital ratio | 43.0699% | 234 |
| Total risk-based capital ratio | 43.8073% | 237 |
| Memoranda: | ||
| Average total assets | $103,663,000 | 5,027 |
| Average earning assets | $101,904,500 | 4,825 |
| Average equity | $11,174,500 | 5,027 |
| Average total loans | $89,705,500 | 4,257 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5512% | 7,584 |
| Cost of funding earning assets | 1.3057% | 6,785 |
| Net interest margin | 3.2455% | 5,750 |
| Noninterest income to average assets | 0.8992% | 1,996 |
| Noninterest expense to average assets | 2.5065% | 6,100 |
| Loan and lease loss provision to assets | 0.2836% | 4,305 |
| Net operating income to assets | 0.7950% | 2,876 |
| Return on assets (ROA) | 0.7950% | 2,969 |
| Pretax return on assets | 1.2986% | 2,032 |
| Return on Equity (ROE) | 7.4611% | 3,000 |
| Retained earnings to average equity (ytd only) | 7.4611% | 1,407 |
| Net charge-offs to loans | 0.4232% | 3,109 |
| Credit loss provision to net charge-offs | 77.3684% | 5,270 |
| Earnings coverage of net charge-offs (x) | 4.3158% | 3,138 |
| Efficiency ratio | 61.3025% | 6,348 |
| Assets per employee ($millions) | 4.9402% | 2,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2926% | 7,993 |
| Loan loss allowance to noncurrent loans | 166.8790% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.1513% | 7,186 |
| Noncurrent loans to loans | 0.1753% | 7,080 |
| Net loans and leases to total assets | 86.0697% | 370 |
| Net loans and leases to deposits | 98.3652% | 1,475 |
| Net loans and leases to core deposits | 98.3652% | 4,664 |
| Total domestic deposits to total assets | 87.5001% | 2,017 |
| Equity capital to assets | 10.8400% | 3,071 |
| Core capital (leverage) ratio | 10.8430% | 2,531 |
| Tier 1 risk-based capital ratio | 39.4182% | 323 |
| Total risk-based capital ratio | 40.3365% | 319 |
| Memoranda: | ||
| Average total assets | $103,649,330 | 5,055 |
| Average earning assets | $101,864,330 | 4,848 |
| Average equity | $11,044,000 | 5,075 |
| Average total loans | $89,790,330 | 4,286 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6251% | 7,594 |
| Cost of funding earning assets | 1.5090% | 6,377 |
| Net interest margin | 3.1162% | 6,155 |
| Noninterest income to average assets | 0.8340% | 2,160 |
| Noninterest expense to average assets | 2.3475% | 6,378 |
| Loan and lease loss provision to assets | 0.1776% | 4,681 |
| Net operating income to assets | 0.8417% | 2,944 |
| Return on assets (ROA) | 0.8417% | 3,089 |
| Pretax return on assets | 1.3706% | 2,053 |
| Return on Equity (ROE) | 7.9686% | 3,166 |
| Retained earnings to average equity (ytd only) | 7.9686% | 1,827 |
| Net charge-offs to loans | 0.4671% | 2,278 |
| Credit loss provision to net charge-offs | 43.8095% | 4,766 |
| Earnings coverage of net charge-offs (x) | 3.8190% | 3,055 |
| Efficiency ratio | 60.2577% | 6,364 |
| Assets per employee ($millions) | 4.8933% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2770% | 8,048 |
| Loan loss allowance to noncurrent loans | 198.3871% | 1,668 |
| Noncurrent assets plus other real estate owned to assets | 0.1207% | 7,227 |
| Noncurrent loans to loans | 0.1396% | 7,123 |
| Net loans and leases to total assets | 86.1950% | 420 |
| Net loans and leases to deposits | 98.0788% | 1,654 |
| Net loans and leases to core deposits | 98.4057% | 4,704 |
| Total domestic deposits to total assets | 87.8834% | 1,802 |
| Equity capital to assets | 10.7552% | 3,232 |
| Core capital (leverage) ratio | 10.6926% | 2,743 |
| Tier 1 risk-based capital ratio | 37.4327% | 371 |
| Total risk-based capital ratio | 38.2659% | 377 |
| Memoranda: | ||
| Average total assets | $103,601,500 | 5,081 |
| Average earning assets | $101,791,500 | 4,867 |
| Average equity | $10,943,000 | 5,124 |
| Average total loans | $89,908,000 | 4,311 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7250% | 7,970 |
| Cost of funding earning assets | 2.0142% | 6,369 |
| Net interest margin | 2.7108% | 7,483 |
| Noninterest income to average assets | 2.6149% | 242 |
| Noninterest expense to average assets | 5.3694% | 537 |
| Loan and lease loss provision to assets | 0.5135% | 2,752 |
| Net operating income to assets | -0.4506% | 6,880 |
| Return on assets (ROA) | -0.4506% | 6,758 |
| Pretax return on assets | -0.6572% | 6,776 |
| Return on Equity (ROE) | -2.7267% | 6,587 |
| Retained earnings to average equity (ytd only) | -2.7267% | 6,041 |
| Net charge-offs to loans | 0.5177% | 2,291 |
| Credit loss provision to net charge-offs | 128.5714% | 4,146 |
| Earnings coverage of net charge-offs (x) | -0.3596% | 6,444 |
| Efficiency ratio | 102.7485% | 897 |
| Assets per employee ($millions) | 6.1437% | 1,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3352% | 8,054 |
| Loan loss allowance to noncurrent loans | 236.4341% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.1235% | 7,084 |
| Noncurrent loans to loans | 0.1418% | 6,984 |
| Net loans and leases to total assets | 86.8330% | 490 |
| Net loans and leases to deposits | 97.8634% | 2,145 |
| Net loans and leases to core deposits | 98.1812% | 5,020 |
| Total domestic deposits to total assets | 88.7288% | 1,134 |
| Equity capital to assets | 10.3731% | 3,640 |
| Core capital (leverage) ratio | 10.4496% | 3,020 |
| Tier 1 risk-based capital ratio | 37.3367% | 388 |
| Total risk-based capital ratio | 38.3878% | 385 |
| Memoranda: | ||
| Average total assets | $50,824,800 | 6,745 |
| Average earning assets | $48,952,000 | 6,638 |
| Average equity | $8,398,400 | 5,947 |
| Average total loans | $39,211,400 | 6,209 |