Home > Target National Bank > Performance and Condition Ratios
Target National Bank, Performance and Condition Ratios
| 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 | 1.0808% | 7,038 |
| Cost of funding earning assets | 0.2748% | 6,569 |
| Net interest margin | 0.8061% | 7,038 |
| Noninterest income to average assets | 190.4616% | 2 |
| Noninterest expense to average assets | 170.3983% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 12.7957% | 12 |
| Return on assets (ROA) | 12.7957% | 12 |
| Pretax return on assets | 20.6026% | 10 |
| Return on Equity (ROE) | 34.9662% | 41 |
| Retained earnings to average equity (ytd only) | 3.2300% | 3,949 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2133% | 1,130 |
| Assets per employee ($millions) | 1.3952% | 6,998 |
| Cash dividends to net income (ytd only)* | 90.7624% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| 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 | 0.0000% | 6,599 |
| Net loans and leases to total assets | 29.3856% | 6,716 |
| Net loans and leases to deposits | 71.4842% | 3,498 |
| Net loans and leases to core deposits | 71.4842% | 4,103 |
| Total domestic deposits to total assets | 41.1079% | 7,028 |
| Equity capital to assets | 41.6950% | 44 |
| Core capital (leverage) ratio | 40.5249% | 42 |
| Tier 1 risk-based capital ratio | 57.8759% | 102 |
| Total risk-based capital ratio | 57.8759% | 107 |
| Memoranda: | ||
| Average total assets | $154,989,800 | 3,701 |
| Average earning assets | $103,715,000 | 4,499 |
| Average equity | $56,717,600 | 1,253 |
| Average total loans | $63,677,400 | 4,576 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3625% | 7,142 |
| Cost of funding earning assets | 0.2184% | 6,907 |
| Net interest margin | 1.1441% | 7,133 |
| Noninterest income to average assets | 186.6198% | 2 |
| Noninterest expense to average assets | 168.2609% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 11.9414% | 15 |
| Return on assets (ROA) | 11.9414% | 15 |
| Pretax return on assets | 19.1310% | 15 |
| Return on Equity (ROE) | 33.6490% | 45 |
| Retained earnings to average equity (ytd only) | 7.6907% | 1,761 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7909% | 1,058 |
| Assets per employee ($millions) | 2.1920% | 6,921 |
| Cash dividends to net income (ytd only)* | 77.1443% | 722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| 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 | 0.0000% | 6,696 |
| Net loans and leases to total assets | 45.6991% | 5,794 |
| Net loans and leases to deposits | 78.1824% | 2,636 |
| Net loans and leases to core deposits | 78.1824% | 3,428 |
| Total domestic deposits to total assets | 58.4519% | 7,082 |
| Equity capital to assets | 29.9150% | 69 |
| Core capital (leverage) ratio | 47.7990% | 40 |
| Tier 1 risk-based capital ratio | 38.7612% | 268 |
| Total risk-based capital ratio | 38.7612% | 298 |
| Memoranda: | ||
| Average total assets | $159,206,750 | 3,675 |
| Average earning assets | $107,448,000 | 4,455 |
| Average equity | $56,499,500 | 1,263 |
| Average total loans | $69,449,750 | 4,411 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9390% | 7,181 |
| Cost of funding earning assets | 0.2286% | 6,975 |
| Net interest margin | 1.7104% | 7,160 |
| Noninterest income to average assets | 205.3510% | 2 |
| Noninterest expense to average assets | 189.8086% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 10.2092% | 18 |
| Return on assets (ROA) | 10.2092% | 19 |
| Pretax return on assets | 16.6454% | 17 |
| Return on Equity (ROE) | 26.8737% | 120 |
| Retained earnings to average equity (ytd only) | -1.8721% | 6,342 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9375% | 932 |
| Assets per employee ($millions) | 1.5622% | 7,137 |
| Cash dividends to net income (ytd only)* | 106.9662% | 360 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,187 |
| 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 | 0.0000% | 6,740 |
| Net loans and leases to total assets | 45.4654% | 5,868 |
| Net loans and leases to deposits | 98.4794% | 500 |
| Net loans and leases to core deposits | 98.4794% | 1,223 |
| Total domestic deposits to total assets | 46.1674% | 7,187 |
| Equity capital to assets | 38.8547% | 46 |
| Core capital (leverage) ratio | 51.4048% | 35 |
| Tier 1 risk-based capital ratio | 45.9042% | 163 |
| Total risk-based capital ratio | 45.9042% | 171 |
| Memoranda: | ||
| Average total assets | $146,515,000 | 3,894 |
| Average earning assets | $94,479,670 | 4,805 |
| Average equity | $55,660,330 | 1,279 |
| Average total loans | $62,547,670 | 4,689 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8830% | 7,247 |
| Cost of funding earning assets | 0.2296% | 7,056 |
| Net interest margin | 1.6534% | 7,221 |
| Noninterest income to average assets | 211.2004% | 2 |
| Noninterest expense to average assets | 193.7199% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 11.3712% | 15 |
| Return on assets (ROA) | 11.3712% | 16 |
| Pretax return on assets | 18.5458% | 12 |
| Return on Equity (ROE) | 30.2620% | 100 |
| Retained earnings to average equity (ytd only) | 1.6251% | 5,424 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2629% | 995 |
| Assets per employee ($millions) | 1.5424% | 7,210 |
| Cash dividends to net income (ytd only)* | 94.6298% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| 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 | 0.0000% | 6,812 |
| Net loans and leases to total assets | 44.2478% | 5,986 |
| Net loans and leases to deposits | 96.4494% | 512 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 45.8768% | 7,252 |
| Equity capital to assets | 37.8092% | 43 |
| Core capital (leverage) ratio | 31.6611% | 52 |
| Tier 1 risk-based capital ratio | 44.9402% | 167 |
| Total risk-based capital ratio | 44.9402% | 178 |
| Memoranda: | ||
| Average total assets | $148,691,000 | 3,895 |
| Average earning assets | $95,802,500 | 4,796 |
| Average equity | $55,872,000 | 1,273 |
| Average total loans | $61,504,000 | 4,753 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9586% | 7,184 |
| Cost of funding earning assets | 0.3533% | 7,003 |
| Net interest margin | 2.6052% | 6,997 |
| Noninterest income to average assets | 254.2311% | 2 |
| Noninterest expense to average assets | 237.0115% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 11.4102% | 13 |
| Return on assets (ROA) | 11.4102% | 14 |
| Pretax return on assets | 18.6675% | 13 |
| Return on Equity (ROE) | 25.6732% | 91 |
| Retained earnings to average equity (ytd only) | 0.3205% | 5,685 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6989% | 1,007 |
| Assets per employee ($millions) | 1.5235% | 7,257 |
| Cash dividends to net income (ytd only)* | 98.7515% | 355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| 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 | 0.0000% | 6,879 |
| Net loans and leases to total assets | 38.5032% | 6,632 |
| Net loans and leases to deposits | 84.6856% | 1,843 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 45.4661% | 7,298 |
| Equity capital to assets | 37.3445% | 43 |
| Core capital (leverage) ratio | 40.9913% | 40 |
| Tier 1 risk-based capital ratio | 47.3328% | 148 |
| Total risk-based capital ratio | 47.3328% | 158 |
| Memoranda: | ||
| Average total assets | $124,248,000 | 4,291 |
| Average earning assets | $69,053,600 | 5,574 |
| Average equity | $55,221,000 | 1,231 |
| Average total loans | $34,353,600 | 5,940 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4019% | 7,138 |
| Cost of funding earning assets | 0.3241% | 7,173 |
| Net interest margin | 3.0778% | 6,434 |
| Noninterest income to average assets | 270.4248% | 2 |
| Noninterest expense to average assets | 253.2556% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 11.5211% | 14 |
| Return on assets (ROA) | 11.5211% | 15 |
| Pretax return on assets | 18.7898% | 13 |
| Return on Equity (ROE) | 24.6756% | 138 |
| Retained earnings to average equity (ytd only) | 0.4720% | 5,809 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0931% | 965 |
| Assets per employee ($millions) | 1.2879% | 7,357 |
| Cash dividends to net income (ytd only)* | 98.0873% | 322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| 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 | 0.0000% | 6,971 |
| Net loans and leases to total assets | 24.1067% | 7,231 |
| Net loans and leases to deposits | 76.2894% | 3,285 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 31.5990% | 7,388 |
| Equity capital to assets | 47.5904% | 45 |
| Core capital (leverage) ratio | 54.0031% | 38 |
| Tier 1 risk-based capital ratio | 62.7500% | 100 |
| Total risk-based capital ratio | 62.7500% | 100 |
| Memoranda: | ||
| Average total assets | $117,983,250 | 4,483 |
| Average earning assets | $62,120,250 | 5,837 |
| Average equity | $55,086,750 | 1,231 |
| Average total loans | $28,570,000 | 6,278 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3451% | 7,234 |
| Cost of funding earning assets | 0.3180% | 7,282 |
| Net interest margin | 3.0271% | 6,559 |
| Noninterest income to average assets | 274.4943% | 2 |
| Noninterest expense to average assets | 259.2446% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 10.3751% | 22 |
| Return on assets (ROA) | 10.3751% | 23 |
| Pretax return on assets | 16.8279% | 17 |
| Return on Equity (ROE) | 22.3636% | 223 |
| Retained earnings to average equity (ytd only) | -3.1573% | 6,393 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9045% | 982 |
| Assets per employee ($millions) | 1.2431% | 7,432 |
| Cash dividends to net income (ytd only)* | 114.1180% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 28.6599% | 7,225 |
| Net loans and leases to deposits | 94.3310% | 849 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 30.3823% | 7,463 |
| Equity capital to assets | 48.9046% | 46 |
| Core capital (leverage) ratio | 52.6911% | 43 |
| Tier 1 risk-based capital ratio | 59.7580% | 111 |
| Total risk-based capital ratio | 59.7580% | 111 |
| Memoranda: | ||
| Average total assets | $118,244,330 | 4,509 |
| Average earning assets | $61,642,670 | 5,901 |
| Average equity | $54,857,000 | 1,227 |
| Average total loans | $28,675,670 | 6,336 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0730% | 7,383 |
| Cost of funding earning assets | 0.3575% | 7,308 |
| Net interest margin | 2.7155% | 6,997 |
| Noninterest income to average assets | 278.3588% | 2 |
| Noninterest expense to average assets | 265.5708% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 8.8745% | 28 |
| Return on assets (ROA) | 8.8745% | 29 |
| Pretax return on assets | 14.2144% | 23 |
| Return on Equity (ROE) | 19.6184% | 356 |
| Retained earnings to average equity (ytd only) | -9.5106% | 6,842 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9195% | 988 |
| Assets per employee ($millions) | 1.1880% | 7,494 |
| Cash dividends to net income (ytd only)* | 148.4781% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| 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 | 0.0000% | 7,094 |
| Net loans and leases to total assets | 24.0512% | 7,375 |
| Net loans and leases to deposits | 80.7322% | 2,565 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 29.7913% | 7,524 |
| Equity capital to assets | 48.6030% | 45 |
| Core capital (leverage) ratio | 48.3342% | 42 |
| Tier 1 risk-based capital ratio | 60.4769% | 105 |
| Total risk-based capital ratio | 60.4769% | 107 |
| Memoranda: | ||
| Average total assets | $121,426,000 | 4,433 |
| Average earning assets | $63,781,000 | 5,869 |
| Average equity | $54,928,000 | 1,212 |
| Average total loans | $26,981,000 | 6,473 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 6,755 |
| Cost of funding earning assets | 0.4848% | 7,315 |
| Net interest margin | 3.8340% | 3,803 |
| Noninterest income to average assets | 309.8748% | 2 |
| Noninterest expense to average assets | 286.9293% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 15.4914% | 8 |
| Return on assets (ROA) | 15.4914% | 8 |
| Pretax return on assets | 24.7400% | 8 |
| Return on Equity (ROE) | 31.4369% | 33 |
| Retained earnings to average equity (ytd only) | -10.5817% | 6,690 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0621% | 1,179 |
| Assets per employee ($millions) | 1.5254% | 7,545 |
| Cash dividends to net income (ytd only)* | 133.6601% | 203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 20.6614% | 7,515 |
| Net loans and leases to deposits | 54.8586% | 6,531 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 37.6629% | 7,589 |
| Equity capital to assets | 42.3694% | 51 |
| Core capital (leverage) ratio | 42.7415% | 52 |
| Tier 1 risk-based capital ratio | 59.0985% | 109 |
| Total risk-based capital ratio | 59.0985% | 113 |
| Memoranda: | ||
| Average total assets | $115,909,400 | 4,578 |
| Average earning assets | $54,251,200 | 6,205 |
| Average equity | $57,117,600 | 1,164 |
| Average total loans | $26,550,400 | 6,583 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9032% | 5,252 |
| Cost of funding earning assets | 0.4582% | 7,509 |
| Net interest margin | 4.4450% | 1,389 |
| Noninterest income to average assets | 326.8065% | 2 |
| Noninterest expense to average assets | 301.5028% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 16.4814% | 8 |
| Return on assets (ROA) | 16.4814% | 9 |
| Pretax return on assets | 27.2652% | 7 |
| Return on Equity (ROE) | 32.1281% | 37 |
| Retained earnings to average equity (ytd only) | -16.5649% | 7,122 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7069% | 1,150 |
| Assets per employee ($millions) | 1.5011% | 7,653 |
| Cash dividends to net income (ytd only)* | 151.5589% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| 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 | 0.0000% | 7,276 |
| Net loans and leases to total assets | 19.9165% | 7,623 |
| Net loans and leases to deposits | 67.0327% | 5,545 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 29.7116% | 7,700 |
| Equity capital to assets | 46.5296% | 52 |
| Core capital (leverage) ratio | 52.7518% | 45 |
| Tier 1 risk-based capital ratio | 61.3877% | 105 |
| Total risk-based capital ratio | 61.3877% | 109 |
| Memoranda: | ||
| Average total assets | $112,091,250 | 4,711 |
| Average earning assets | $49,463,000 | 6,455 |
| Average equity | $57,501,750 | 1,156 |
| Average total loans | $26,412,000 | 6,686 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1109% | 4,394 |
| Cost of funding earning assets | 0.4525% | 7,599 |
| Net interest margin | 4.6584% | 880 |
| Noninterest income to average assets | 344.3540% | 2 |
| Noninterest expense to average assets | 314.7050% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 19.3416% | 8 |
| Return on assets (ROA) | 19.3416% | 9 |
| Pretax return on assets | 31.6069% | 7 |
| Return on Equity (ROE) | 36.5040% | 30 |
| Retained earnings to average equity (ytd only) | -18.1888% | 7,204 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8733% | 1,269 |
| Assets per employee ($millions) | 1.4319% | 7,725 |
| Cash dividends to net income (ytd only)* | 149.8268% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 25.0474% | 7,623 |
| Net loans and leases to deposits | 108.7073% | 305 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 23.0411% | 7,777 |
| Equity capital to assets | 51.0671% | 51 |
| Core capital (leverage) ratio | 52.0471% | 47 |
| Tier 1 risk-based capital ratio | 60.9945% | 105 |
| Total risk-based capital ratio | 60.9945% | 108 |
| Memoranda: | ||
| Average total assets | $110,425,330 | 4,791 |
| Average earning assets | $46,410,670 | 6,617 |
| Average equity | $58,508,670 | 1,136 |
| Average total loans | $27,442,670 | 6,664 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0787% | 4,635 |
| Cost of funding earning assets | 0.2956% | 7,819 |
| Net interest margin | 4.7831% | 671 |
| Noninterest income to average assets | 360.8345% | 2 |
| Noninterest expense to average assets | 327.6576% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 21.6160% | 8 |
| Return on assets (ROA) | 21.6160% | 9 |
| Pretax return on assets | 35.1098% | 6 |
| Return on Equity (ROE) | 40.0731% | 39 |
| Retained earnings to average equity (ytd only) | -27.0286% | 7,494 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3217% | 1,403 |
| Assets per employee ($millions) | 1.3246% | 7,841 |
| Cash dividends to net income (ytd only)* | 167.4481% | 259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| 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 | 0.0000% | 7,426 |
| Net loans and leases to total assets | 25.6172% | 7,708 |
| Net loans and leases to deposits | 160.4181% | 36 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 15.9690% | 7,889 |
| Equity capital to assets | 52.3904% | 46 |
| Core capital (leverage) ratio | 52.2640% | 46 |
| Tier 1 risk-based capital ratio | 59.7541% | 111 |
| Total risk-based capital ratio | 59.7541% | 113 |
| Memoranda: | ||
| Average total assets | $110,510,500 | 4,859 |
| Average earning assets | $44,657,500 | 6,751 |
| Average equity | $59,611,000 | 1,118 |
| Average total loans | $27,356,000 | 6,753 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9705% | 6,524 |
| Cost of funding earning assets | 0.9111% | 7,383 |
| Net interest margin | 4.0594% | 2,609 |
| Noninterest income to average assets | 336.7837% | 2 |
| Noninterest expense to average assets | 293.2092% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 28.9485% | 6 |
| Return on assets (ROA) | 28.9485% | 6 |
| Pretax return on assets | 45.3864% | 5 |
| Return on Equity (ROE) | 60.2183% | 10 |
| Retained earnings to average equity (ytd only) | -1.2607% | 5,335 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5957% | 2,047 |
| Assets per employee ($millions) | 1.4241% | 7,913 |
| Cash dividends to net income (ytd only)* | 102.0936% | 596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| 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 | 0.0000% | 7,460 |
| Net loans and leases to total assets | 23.9001% | 7,809 |
| Net loans and leases to deposits | 230.9613% | 23 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 10.3481% | 7,973 |
| Equity capital to assets | 55.4765% | 47 |
| Core capital (leverage) ratio | 47.7784% | 51 |
| Tier 1 risk-based capital ratio | 63.6543% | 100 |
| Total risk-based capital ratio | 63.6543% | 105 |
| Memoranda: | ||
| Average total assets | $126,883,800 | 4,403 |
| Average earning assets | $56,634,400 | 6,268 |
| Average equity | $60,996,400 | 1,088 |
| Average total loans | $29,872,800 | 6,628 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9442% | 6,784 |
| Cost of funding earning assets | 0.9960% | 7,394 |
| Net interest margin | 3.9482% | 3,046 |
| Noninterest income to average assets | 331.7240% | 2 |
| Noninterest expense to average assets | 291.5978% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 26.9617% | 7 |
| Return on assets (ROA) | 26.9617% | 7 |
| Pretax return on assets | 41.9279% | 6 |
| Return on Equity (ROE) | 57.9809% | 14 |
| Retained earnings to average equity (ytd only) | -7.7645% | 6,573 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4289% | 1,925 |
| Assets per employee ($millions) | 1.4672% | 7,994 |
| Cash dividends to net income (ytd only)* | 113.3915% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| 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 | 0.0000% | 7,541 |
| Net loans and leases to total assets | 22.1216% | 7,932 |
| Net loans and leases to deposits | 104.5778% | 732 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 21.1532% | 8,043 |
| Equity capital to assets | 48.9169% | 56 |
| Core capital (leverage) ratio | 50.9409% | 53 |
| Tier 1 risk-based capital ratio | 58.5944% | 124 |
| Total risk-based capital ratio | 58.5944% | 126 |
| Memoranda: | ||
| Average total assets | $130,834,000 | 4,358 |
| Average earning assets | $59,705,250 | 6,180 |
| Average equity | $60,839,250 | 1,109 |
| Average total loans | $30,703,750 | 6,639 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6167% | 7,507 |
| Cost of funding earning assets | 1.2070% | 7,084 |
| Net interest margin | 3.4097% | 5,126 |
| Noninterest income to average assets | 329.6049% | 2 |
| Noninterest expense to average assets | 287.6897% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 28.3603% | 6 |
| Return on assets (ROA) | 28.3603% | 6 |
| Pretax return on assets | 43.5007% | 6 |
| Return on Equity (ROE) | 61.9492% | 14 |
| Retained earnings to average equity (ytd only) | -9.5932% | 6,832 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8653% | 2,135 |
| Assets per employee ($millions) | 1.5458% | 8,065 |
| Cash dividends to net income (ytd only)* | 115.4856% | 555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| 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 | 0.0000% | 7,580 |
| Net loans and leases to total assets | 24.1816% | 7,994 |
| Net loans and leases to deposits | 114.0284% | 397 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 21.2067% | 8,131 |
| Equity capital to assets | 46.3306% | 68 |
| Core capital (leverage) ratio | 47.2471% | 67 |
| Tier 1 risk-based capital ratio | 56.0618% | 144 |
| Total risk-based capital ratio | 56.0618% | 147 |
| Memoranda: | ||
| Average total assets | $134,342,670 | 4,297 |
| Average earning assets | $62,468,670 | 6,129 |
| Average equity | $61,502,000 | 1,109 |
| Average total loans | $32,067,000 | 6,608 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3802% | 7,810 |
| Cost of funding earning assets | 1.3377% | 6,910 |
| Net interest margin | 3.0425% | 6,364 |
| Noninterest income to average assets | 333.8303% | 2 |
| Noninterest expense to average assets | 287.1711% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 32.8300% | 3 |
| Return on assets (ROA) | 32.8300% | 3 |
| Pretax return on assets | 48.0832% | 4 |
| Return on Equity (ROE) | 72.1178% | 12 |
| Retained earnings to average equity (ytd only) | 1.7527% | 4,874 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6577% | 2,115 |
| Assets per employee ($millions) | 1.5183% | 8,107 |
| Cash dividends to net income (ytd only)* | 97.5696% | 788 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| 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 | 0.0000% | 7,590 |
| Net loans and leases to total assets | 22.7324% | 8,056 |
| Net loans and leases to deposits | 123.7155% | 218 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 18.3747% | 8,191 |
| Equity capital to assets | 47.4438% | 75 |
| Core capital (leverage) ratio | 50.3119% | 74 |
| Tier 1 risk-based capital ratio | 57.6687% | 150 |
| Total risk-based capital ratio | 57.6687% | 152 |
| Memoranda: | ||
| Average total assets | $137,362,000 | 4,244 |
| Average earning assets | $64,289,000 | 6,093 |
| Average equity | $62,531,000 | 1,089 |
| Average total loans | $32,587,500 | 6,609 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9378% | 5,868 |
| Cost of funding earning assets | 3.6041% | 384 |
| Net interest margin | 2.3337% | 7,893 |
| Noninterest income to average assets | 339.5779% | 2 |
| Noninterest expense to average assets | 294.3434% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 28.5010% | 7 |
| Return on assets (ROA) | 28.5010% | 8 |
| Pretax return on assets | 46.3045% | 8 |
| Return on Equity (ROE) | 61.3136% | 10 |
| Retained earnings to average equity (ytd only) | 6.4684% | 1,343 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4069% | 1,814 |
| Assets per employee ($millions) | 1.4858% | 8,166 |
| Cash dividends to net income (ytd only)* | 89.4503% | 1,321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,224 |
| 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 | 0.0000% | 7,569 |
| Net loans and leases to total assets | 24.6419% | 8,096 |
| Net loans and leases to deposits | 106.1392% | 1,111 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 23.2166% | 8,228 |
| Equity capital to assets | 43.7438% | 90 |
| Core capital (leverage) ratio | 42.3197% | 102 |
| Tier 1 risk-based capital ratio | 54.1549% | 181 |
| Total risk-based capital ratio | 54.1549% | 188 |
| Memoranda: | ||
| Average total assets | $129,441,000 | 4,297 |
| Average earning assets | $59,348,600 | 6,200 |
| Average equity | $60,169,400 | 1,120 |
| Average total loans | $36,583,600 | 6,338 |