Home > CIBC National Trust Company > Performance and Condition Ratios
CIBC National Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0900% | 566 |
| Cost of funding earning assets | 0.0119% | 4,511 |
| Net interest margin | 6.0781% | 104 |
| Noninterest income to average assets | 41.2300% | 60 |
| Noninterest expense to average assets | 25.1479% | 65 |
| Loan and lease loss provision to assets | 0.0400% | 2,313 |
| Net operating income to assets | 12.7098% | 39 |
| Return on assets (ROA) | 12.7098% | 41 |
| Pretax return on assets | 16.9564% | 42 |
| Return on Equity (ROE) | 17.5600% | 882 |
| Retained earnings to average equity (ytd only) | 1.0308% | 3,831 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 58.4297% | 3,252 |
| Assets per employee ($millions) | 1.0323% | 4,489 |
| Cash dividends to net income (ytd only)* | 94.1300% | 330 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 0.1900% | 4,543 |
| Equity capital to assets | 72.9885% | 111 |
| Core capital (leverage) ratio | 66.4066% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 179.1868% | 47 |
| Memoranda: | ||
| Average total assets | $336,433,000 | 2,243 |
| Average earning assets | $50,394,000 | 4,245 |
| Average equity | $243,504,400 | 459 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7615% | 720 |
| Cost of funding earning assets | 0.0107% | 4,542 |
| Net interest margin | 5.7509% | 134 |
| Noninterest income to average assets | 36.2300% | 60 |
| Noninterest expense to average assets | 20.8594% | 70 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 12.1911% | 40 |
| Return on assets (ROA) | 12.1911% | 40 |
| Pretax return on assets | 16.1985% | 41 |
| Return on Equity (ROE) | 16.8800% | 1,094 |
| Retained earnings to average equity (ytd only) | -0.4461% | 4,201 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 54.8224% | 3,513 |
| Assets per employee ($millions) | 1.0789% | 4,515 |
| Cash dividends to net income (ytd only)* | 102.6426% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 0.1800% | 4,576 |
| Equity capital to assets | 71.4681% | 117 |
| Core capital (leverage) ratio | 74.1446% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 216.9234% | 42 |
| Memoranda: | ||
| Average total assets | $335,635,750 | 2,246 |
| Average earning assets | $50,008,500 | 4,272 |
| Average equity | $242,409,250 | 458 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1447% | 375 |
| Cost of funding earning assets | 0.0121% | 4,566 |
| Net interest margin | 6.1326% | 97 |
| Noninterest income to average assets | 36.7000% | 59 |
| Noninterest expense to average assets | 21.7056% | 67 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 11.6663% | 40 |
| Return on assets (ROA) | 11.6663% | 40 |
| Pretax return on assets | 15.8575% | 38 |
| Return on Equity (ROE) | 16.1000% | 1,248 |
| Retained earnings to average equity (ytd only) | -3.7611% | 4,377 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 56.2920% | 3,381 |
| Assets per employee ($millions) | 1.0423% | 4,547 |
| Cash dividends to net income (ytd only)* | 123.3679% | 185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.1800% | 4,597 |
| Equity capital to assets | 72.6212% | 110 |
| Core capital (leverage) ratio | 73.4427% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 193.4226% | 41 |
| Memoranda: | ||
| Average total assets | $333,508,667 | 2,262 |
| Average earning assets | $49,668,667 | 4,300 |
| Average equity | $241,734,667 | 451 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5331% | 589 |
| Cost of funding earning assets | 0.0081% | 4,611 |
| Net interest margin | 5.5250% | 146 |
| Noninterest income to average assets | 37.2800% | 59 |
| Noninterest expense to average assets | 21.6081% | 68 |
| Loan and lease loss provision to assets | 0.0800% | 1,320 |
| Net operating income to assets | 11.9782% | 39 |
| Return on assets (ROA) | 11.9782% | 39 |
| Pretax return on assets | 16.4117% | 39 |
| Return on Equity (ROE) | 16.5400% | 1,253 |
| Retained earnings to average equity (ytd only) | -9.8773% | 4,474 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 55.3320% | 3,476 |
| Assets per employee ($millions) | 1.0555% | 4,611 |
| Cash dividends to net income (ytd only)* | 159.7125% | 216 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 0.2200% | 4,640 |
| Equity capital to assets | 73.3624% | 64 |
| Core capital (leverage) ratio | 67.9547% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 150.3971% | 49 |
| Memoranda: | ||
| Average total assets | $334,541,500 | 2,290 |
| Average earning assets | $49,303,000 | 4,359 |
| Average equity | $242,253,000 | 461 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0836% | 4,594 |
| Cost of funding earning assets | 0.0021% | 4,646 |
| Net interest margin | 2.0815% | 4,530 |
| Noninterest income to average assets | 46.0100% | 54 |
| Noninterest expense to average assets | 25.4385% | 68 |
| Loan and lease loss provision to assets | 0.0100% | 2,705 |
| Net operating income to assets | 14.9009% | 33 |
| Return on assets (ROA) | 14.9009% | 33 |
| Pretax return on assets | 20.8707% | 31 |
| Return on Equity (ROE) | 20.9300% | 398 |
| Retained earnings to average equity (ytd only) | 8.8782% | 1,514 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.7554% | 3,813 |
| Assets per employee ($millions) | 1.1281% | 4,645 |
| Cash dividends to net income (ytd only)* | 57.5824% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 0.1800% | 4,672 |
| Equity capital to assets | 71.5110% | 70 |
| Core capital (leverage) ratio | 70.3119% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 136.8094% | 53 |
| Memoranda: | ||
| Average total assets | $326,328,400 | 2,316 |
| Average earning assets | $48,282,800 | 4,395 |
| Average equity | $232,320,800 | 469 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4444% | 4,669 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 1.4444% | 4,644 |
| Noninterest income to average assets | 36.9300% | 57 |
| Noninterest expense to average assets | 20.1712% | 70 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 11.7466% | 40 |
| Return on assets (ROA) | 11.7466% | 39 |
| Pretax return on assets | 16.9701% | 38 |
| Return on Equity (ROE) | 16.5200% | 887 |
| Retained earnings to average equity (ytd only) | 4.4430% | 3,312 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.8341% | 3,935 |
| Assets per employee ($millions) | 1.0984% | 4,681 |
| Cash dividends to net income (ytd only)* | 73.1046% | 544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 0.3800% | 4,712 |
| Equity capital to assets | 69.5689% | 71 |
| Core capital (leverage) ratio | 67.1996% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 173.9659% | 47 |
| Memoranda: | ||
| Average total assets | $322,174,000 | 2,358 |
| Average earning assets | $48,092,750 | 4,427 |
| Average equity | $229,090,000 | 471 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1545% | 4,730 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 1.1545% | 4,718 |
| Noninterest income to average assets | 37.3928% | 25 |
| Noninterest expense to average assets | 19.8985% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 12.1126% | 19 |
| Return on assets (ROA) | 12.1126% | 19 |
| Pretax return on assets | 17.6683% | 17 |
| Return on Equity (ROE) | 16.9062% | 581 |
| Retained earnings to average equity (ytd only) | 4.8460% | 2,771 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4913% | 4,166 |
| Assets per employee ($millions) | 1.1106% | 4,729 |
| Cash dividends to net income (ytd only)* | 71.3359% | 796 |
| 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% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 0.1943% | 4,778 |
| Equity capital to assets | 70.9821% | 31 |
| Core capital (leverage) ratio | 69.8755% | 32 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 166.5444% | 19 |
| Memoranda: | ||
| Average total assets | $318,264,667 | 2,392 |
| Average earning assets | $47,988,000 | 4,479 |
| Average equity | $228,022,667 | 477 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1587% | 4,792 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 0.1587% | 4,790 |
| Noninterest income to average assets | 40.7910% | 24 |
| Noninterest expense to average assets | 20.3746% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 13.0929% | 19 |
| Return on assets (ROA) | 13.0929% | 18 |
| Pretax return on assets | 20.4406% | 18 |
| Return on Equity (ROE) | 18.1879% | 322 |
| Retained earnings to average equity (ytd only) | 8.0531% | 1,568 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5482% | 4,378 |
| Assets per employee ($millions) | 1.1808% | 4,756 |
| Cash dividends to net income (ytd only)* | 55.7225% | 1,144 |
| 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% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 0.2188% | 4,803 |
| Equity capital to assets | 70.3381% | 28 |
| Core capital (leverage) ratio | 59.2981% | 30 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 160.1920% | 20 |
| Memoranda: | ||
| Average total assets | $315,255,500 | 2,421 |
| Average earning assets | $47,899,500 | 4,503 |
| Average equity | $226,942,500 | 493 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7586% | 4,799 |
| Cost of funding earning assets | 0.0021% | 4,818 |
| Net interest margin | 0.7565% | 4,796 |
| Noninterest income to average assets | 42.4675% | 27 |
| Noninterest expense to average assets | 22.4752% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 15.6478% | 16 |
| Return on assets (ROA) | 15.6478% | 16 |
| Pretax return on assets | 20.1087% | 15 |
| Return on Equity (ROE) | 22.6414% | 190 |
| Retained earnings to average equity (ytd only) | 9.9080% | 940 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4522% | 4,164 |
| Assets per employee ($millions) | 1.3722% | 4,790 |
| Cash dividends to net income (ytd only)* | 56.2395% | 1,221 |
| 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% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 0.1927% | 4,846 |
| Equity capital to assets | 73.7507% | 22 |
| Core capital (leverage) ratio | 59.8558% | 27 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 129.0845% | 23 |
| Memoranda: | ||
| Average total assets | $312,491,000 | 2,382 |
| Average earning assets | $48,116,600 | 4,530 |
| Average equity | $215,967,600 | 505 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5342% | 4,894 |
| Cost of funding earning assets | 0.0028% | 4,889 |
| Net interest margin | 0.5314% | 4,890 |
| Noninterest income to average assets | 40.2136% | 28 |
| Noninterest expense to average assets | 20.5181% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 14.9133% | 16 |
| Return on assets (ROA) | 14.9133% | 16 |
| Pretax return on assets | 19.7769% | 16 |
| Return on Equity (ROE) | 21.9351% | 310 |
| Retained earnings to average equity (ytd only) | 11.4892% | 951 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5265% | 4,264 |
| Assets per employee ($millions) | 1.3359% | 4,866 |
| Cash dividends to net income (ytd only)* | 47.6218% | 1,296 |
| 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% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1604% | 4,922 |
| Equity capital to assets | 69.4306% | 24 |
| Core capital (leverage) ratio | 63.9347% | 29 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 150.8944% | 22 |
| Memoranda: | ||
| Average total assets | $314,459,250 | 2,392 |
| Average earning assets | $48,173,250 | 4,587 |
| Average equity | $213,795,000 | 512 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7160% | 4,925 |
| Cost of funding earning assets | 0.0000% | 4,930 |
| Net interest margin | 0.7160% | 4,921 |
| Noninterest income to average assets | 39.4558% | 26 |
| Noninterest expense to average assets | 21.0867% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 13.7407% | 15 |
| Return on assets (ROA) | 13.7407% | 15 |
| Pretax return on assets | 18.4797% | 15 |
| Return on Equity (ROE) | 20.3574% | 426 |
| Retained earnings to average equity (ytd only) | 13.0172% | 715 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8678% | 4,061 |
| Assets per employee ($millions) | 1.3282% | 4,904 |
| Cash dividends to net income (ytd only)* | 36.0566% | 1,788 |
| 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% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1654% | 4,958 |
| Equity capital to assets | 70.1216% | 27 |
| Core capital (leverage) ratio | 57.5354% | 32 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 158.8125% | 19 |
| Memoranda: | ||
| Average total assets | $312,851,333 | 2,396 |
| Average earning assets | $48,325,000 | 4,617 |
| Average equity | $211,166,667 | 512 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0905% | 4,974 |
| Cost of funding earning assets | 0.0000% | 4,958 |
| Net interest margin | 0.0905% | 4,970 |
| Noninterest income to average assets | 39.1791% | 26 |
| Noninterest expense to average assets | 22.0980% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 12.6977% | 16 |
| Return on assets (ROA) | 12.6977% | 16 |
| Pretax return on assets | 17.0952% | 14 |
| Return on Equity (ROE) | 19.1789% | 606 |
| Retained earnings to average equity (ytd only) | 19.1789% | 309 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9513% | 3,673 |
| Assets per employee ($millions) | 1.3954% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| 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% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1582% | 4,986 |
| Equity capital to assets | 65.8681% | 27 |
| Core capital (leverage) ratio | 60.2539% | 28 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 142.9956% | 24 |
| Memoranda: | ||
| Average total assets | $314,545,000 | 2,374 |
| Average earning assets | $48,638,000 | 4,637 |
| Average equity | $208,249,500 | 510 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8108% | 4,979 |
| Cost of funding earning assets | 0.0081% | 4,979 |
| Net interest margin | 0.8028% | 4,972 |
| Noninterest income to average assets | 39.4517% | 25 |
| Noninterest expense to average assets | 23.2293% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 12.0516% | 16 |
| Return on assets (ROA) | 12.0516% | 16 |
| Pretax return on assets | 16.3671% | 15 |
| Return on Equity (ROE) | 17.2244% | 387 |
| Retained earnings to average equity (ytd only) | -94.5209% | 4,999 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0442% | 3,854 |
| Assets per employee ($millions) | 1.3754% | 4,954 |
| Cash dividends to net income (ytd only)* | 648.7628% | 12 |
| 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% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1677% | 5,008 |
| Equity capital to assets | 66.5655% | 26 |
| Core capital (leverage) ratio | 51.6157% | 31 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 143.2144% | 20 |
| Memoranda: | ||
| Average total assets | $274,984,600 | 2,429 |
| Average earning assets | $49,578,200 | 4,589 |
| Average equity | $192,401,800 | 522 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8155% | 5,021 |
| Cost of funding earning assets | 0.0054% | 5,018 |
| Net interest margin | 0.8101% | 5,017 |
| Noninterest income to average assets | 38.3565% | 26 |
| Noninterest expense to average assets | 23.1892% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 11.4335% | 19 |
| Return on assets (ROA) | 11.4335% | 19 |
| Pretax return on assets | 15.3174% | 17 |
| Return on Equity (ROE) | 16.1173% | 538 |
| Retained earnings to average equity (ytd only) | -135.0043% | 5,032 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5070% | 3,600 |
| Assets per employee ($millions) | 1.3380% | 4,987 |
| Cash dividends to net income (ytd only)* | 937.6363% | 10 |
| 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% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1706% | 5,040 |
| Equity capital to assets | 64.6986% | 27 |
| Core capital (leverage) ratio | 64.3977% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 139.5995% | 24 |
| Memoranda: | ||
| Average total assets | $267,393,500 | 2,456 |
| Average earning assets | $49,537,500 | 4,616 |
| Average equity | $189,688,000 | 525 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1676% | 5,053 |
| Cost of funding earning assets | 0.0040% | 5,055 |
| Net interest margin | 1.1636% | 5,040 |
| Noninterest income to average assets | 38.3405% | 24 |
| Noninterest expense to average assets | 27.8692% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 7.9023% | 21 |
| Return on assets (ROA) | 7.9023% | 22 |
| Pretax return on assets | 10.6953% | 21 |
| Return on Equity (ROE) | 10.7728% | 1,715 |
| Retained earnings to average equity (ytd only) | -217.2613% | 5,066 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4850% | 1,891 |
| Assets per employee ($millions) | 1.1783% | 5,020 |
| Cash dividends to net income (ytd only)* | 2,116.7668% | 5 |
| 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% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1964% | 5,074 |
| Equity capital to assets | 69.5437% | 25 |
| Core capital (leverage) ratio | 64.0849% | 28 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 180.1240% | 18 |
| Memoranda: | ||
| Average total assets | $257,065,000 | 2,496 |
| Average earning assets | $49,503,000 | 4,631 |
| Average equity | $188,568,333 | 526 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5372% | 5,102 |
| Cost of funding earning assets | 0.0081% | 5,097 |
| Net interest margin | 1.5291% | 5,073 |
| Noninterest income to average assets | 37.9740% | 23 |
| Noninterest expense to average assets | 26.5437% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 8.6505% | 17 |
| Return on assets (ROA) | 8.6505% | 18 |
| Pretax return on assets | 11.7257% | 17 |
| Return on Equity (ROE) | 11.4905% | 1,265 |
| Retained earnings to average equity (ytd only) | -434.7632% | 5,116 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5595% | 2,737 |
| Assets per employee ($millions) | 1.1204% | 5,069 |
| Cash dividends to net income (ytd only)* | 3,883.6705% | 5 |
| 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% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1901% | 5,123 |
| Equity capital to assets | 65.5985% | 32 |
| Core capital (leverage) ratio | 23.9235% | 131 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 114.0939% | 34 |
| Memoranda: | ||
| Average total assets | $255,985,500 | 2,458 |
| Average earning assets | $49,440,000 | 4,648 |
| Average equity | $192,715,500 | 513 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5976% | 5,116 |
| Cost of funding earning assets | 0.0041% | 5,164 |
| Net interest margin | 2.5935% | 4,911 |
| Noninterest income to average assets | 56.7259% | 18 |
| Noninterest expense to average assets | 44.7100% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 9.2321% | 20 |
| Return on assets (ROA) | 9.2321% | 21 |
| Pretax return on assets | 12.5183% | 18 |
| Return on Equity (ROE) | 11.6732% | 1,631 |
| Retained earnings to average equity (ytd only) | 11.6732% | 268 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1201% | 1,138 |
| Assets per employee ($millions) | 1.1465% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| 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% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2084% | 5,185 |
| Equity capital to assets | 85.9038% | 23 |
| Core capital (leverage) ratio | 76.4347% | 26 |
| Tier 1 risk-based capital ratio | 244.0510% | 22 |
| Total risk-based capital ratio | 244.0510% | 22 |
| Memoranda: | ||
| Average total assets | $250,657,800 | 2,457 |
| Average earning assets | $48,545,200 | 4,699 |
| Average equity | $198,240,000 | 477 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7138% | 5,195 |
| Cost of funding earning assets | 0.0055% | 5,243 |
| Net interest margin | 2.7083% | 4,935 |
| Noninterest income to average assets | 56.2749% | 17 |
| Noninterest expense to average assets | 42.5826% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 10.5016% | 16 |
| Return on assets (ROA) | 10.5016% | 18 |
| Pretax return on assets | 14.2113% | 18 |
| Return on Equity (ROE) | 13.5613% | 1,092 |
| Retained earnings to average equity (ytd only) | 13.5613% | 229 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9718% | 1,447 |
| Assets per employee ($millions) | 1.2545% | 5,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| 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% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1862% | 5,265 |
| Equity capital to assets | 75.6926% | 27 |
| Core capital (leverage) ratio | 76.2743% | 26 |
| Tier 1 risk-based capital ratio | 189.3361% | 26 |
| Total risk-based capital ratio | 189.3361% | 26 |
| Memoranda: | ||
| Average total assets | $252,272,000 | 2,467 |
| Average earning assets | $48,344,250 | 4,771 |
| Average equity | $195,355,500 | 486 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8606% | 5,236 |
| Cost of funding earning assets | 0.0042% | 5,291 |
| Net interest margin | 2.8564% | 4,867 |
| Noninterest income to average assets | 56.3975% | 16 |
| Noninterest expense to average assets | 44.3204% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 9.1922% | 19 |
| Return on assets (ROA) | 9.1922% | 20 |
| Pretax return on assets | 12.6366% | 19 |
| Return on Equity (ROE) | 11.7723% | 1,670 |
| Retained earnings to average equity (ytd only) | 11.7723% | 435 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8081% | 1,176 |
| Assets per employee ($millions) | 1.1635% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| 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% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.1981% | 5,311 |
| Equity capital to assets | 77.1485% | 27 |
| Core capital (leverage) ratio | 73.8351% | 29 |
| Tier 1 risk-based capital ratio | 191.3834% | 25 |
| Total risk-based capital ratio | 191.3834% | 25 |
| Memoranda: | ||
| Average total assets | $245,620,670 | 2,522 |
| Average earning assets | $48,101,670 | 4,805 |
| Average equity | $191,789,000 | 487 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6548% | 5,324 |
| Cost of funding earning assets | 0.0084% | 5,346 |
| Net interest margin | 2.6465% | 5,106 |
| Noninterest income to average assets | 57.8736% | 16 |
| Noninterest expense to average assets | 45.7596% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 9.1878% | 20 |
| Return on assets (ROA) | 9.1878% | 22 |
| Pretax return on assets | 12.6397% | 21 |
| Return on Equity (ROE) | 11.6922% | 1,657 |
| Retained earnings to average equity (ytd only) | 11.6922% | 675 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3507% | 1,229 |
| Assets per employee ($millions) | 1.1238% | 5,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| 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% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2060% | 5,370 |
| Equity capital to assets | 77.8978% | 26 |
| Core capital (leverage) ratio | 70.8998% | 28 |
| Tier 1 risk-based capital ratio | 176.6982% | 26 |
| Total risk-based capital ratio | 176.6982% | 26 |
| Memoranda: | ||
| Average total assets | $240,448,000 | 2,582 |
| Average earning assets | $47,762,000 | 4,863 |
| Average equity | $188,946,500 | 489 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3456% | 5,354 |
| Cost of funding earning assets | 0.0064% | 5,389 |
| Net interest margin | 2.3392% | 5,270 |
| Noninterest income to average assets | 59.6478% | 16 |
| Noninterest expense to average assets | 43.4646% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 11.7758% | 13 |
| Return on assets (ROA) | 11.7758% | 13 |
| Pretax return on assets | 16.6552% | 11 |
| Return on Equity (ROE) | 15.0101% | 827 |
| Retained earnings to average equity (ytd only) | 15.0101% | 114 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2909% | 1,862 |
| Assets per employee ($millions) | 1.0820% | 5,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| 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% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2159% | 5,412 |
| Equity capital to assets | 79.2972% | 24 |
| Core capital (leverage) ratio | 72.0496% | 27 |
| Tier 1 risk-based capital ratio | 195.5065% | 27 |
| Total risk-based capital ratio | 195.5065% | 27 |
| Memoranda: | ||
| Average total assets | $233,037,800 | 2,597 |
| Average earning assets | $47,024,800 | 4,914 |
| Average equity | $182,823,000 | 483 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1359% | 5,433 |
| Cost of funding earning assets | 0.0057% | 5,462 |
| Net interest margin | 2.1302% | 5,392 |
| Noninterest income to average assets | 58.8260% | 17 |
| Noninterest expense to average assets | 42.1316% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 12.3351% | 13 |
| Return on assets (ROA) | 12.3351% | 13 |
| Pretax return on assets | 17.1238% | 12 |
| Return on Equity (ROE) | 15.7660% | 733 |
| Retained earnings to average equity (ytd only) | 15.7660% | 146 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0959% | 2,025 |
| Assets per employee ($millions) | 1.0985% | 5,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2114% | 5,485 |
| Equity capital to assets | 75.6209% | 27 |
| Core capital (leverage) ratio | 76.9117% | 27 |
| Tier 1 risk-based capital ratio | 205.9323% | 26 |
| Total risk-based capital ratio | 205.9323% | 26 |
| Memoranda: | ||
| Average total assets | $232,598,750 | 2,604 |
| Average earning assets | $46,879,500 | 4,968 |
| Average equity | $181,982,500 | 482 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1176% | 5,499 |
| Cost of funding earning assets | 0.0043% | 5,526 |
| Net interest margin | 2.1133% | 5,456 |
| Noninterest income to average assets | 59.2510% | 18 |
| Noninterest expense to average assets | 42.5494% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 12.3465% | 12 |
| Return on assets (ROA) | 12.3465% | 12 |
| Pretax return on assets | 17.1299% | 12 |
| Return on Equity (ROE) | 15.6007% | 739 |
| Retained earnings to average equity (ytd only) | 15.6007% | 173 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2910% | 2,120 |
| Assets per employee ($millions) | 1.0917% | 5,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2147% | 5,549 |
| Equity capital to assets | 80.7916% | 27 |
| Core capital (leverage) ratio | 82.0394% | 25 |
| Tier 1 risk-based capital ratio | 187.7600% | 29 |
| Total risk-based capital ratio | 187.7600% | 29 |
| Memoranda: | ||
| Average total assets | $230,673,000 | 2,632 |
| Average earning assets | $46,752,000 | 5,029 |
| Average equity | $182,556,000 | 480 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6816% | 5,587 |
| Cost of funding earning assets | 0.0086% | 5,587 |
| Net interest margin | 1.6730% | 5,569 |
| Noninterest income to average assets | 59.9716% | 18 |
| Noninterest expense to average assets | 36.5984% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 16.4974% | 11 |
| Return on assets (ROA) | 16.4974% | 11 |
| Pretax return on assets | 23.7167% | 11 |
| Return on Equity (ROE) | 21.0555% | 194 |
| Retained earnings to average equity (ytd only) | 21.0555% | 86 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6728% | 3,985 |
| Assets per employee ($millions) | 1.0583% | 5,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2257% | 5,612 |
| Equity capital to assets | 81.7910% | 27 |
| Core capital (leverage) ratio | 75.6327% | 28 |
| Tier 1 risk-based capital ratio | 163.0539% | 28 |
| Total risk-based capital ratio | 163.0539% | 28 |
| Memoranda: | ||
| Average total assets | $227,114,000 | 2,686 |
| Average earning assets | $46,622,000 | 5,087 |
| Average equity | $177,948,500 | 492 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5454% | 5,627 |
| Cost of funding earning assets | 0.0022% | 5,657 |
| Net interest margin | 1.5432% | 5,613 |
| Noninterest income to average assets | 59.3990% | 18 |
| Noninterest expense to average assets | 48.8018% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 7.1952% | 21 |
| Return on assets (ROA) | 7.1952% | 21 |
| Pretax return on assets | 10.9353% | 19 |
| Return on Equity (ROE) | 9.1464% | 2,244 |
| Retained earnings to average equity (ytd only) | 9.1464% | 483 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6872% | 950 |
| Assets per employee ($millions) | 1.0893% | 5,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2182% | 5,677 |
| Equity capital to assets | 75.0270% | 27 |
| Core capital (leverage) ratio | 69.4504% | 27 |
| Tier 1 risk-based capital ratio | 104.1147% | 40 |
| Total risk-based capital ratio | 104.1147% | 40 |
| Memoranda: | ||
| Average total assets | $210,584,400 | 2,821 |
| Average earning assets | $46,137,600 | 5,148 |
| Average equity | $165,661,000 | 503 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3669% | 5,709 |
| Cost of funding earning assets | 0.0029% | 5,721 |
| Net interest margin | 1.3640% | 5,694 |
| Noninterest income to average assets | 59.9853% | 20 |
| Noninterest expense to average assets | 47.2561% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 7.9649% | 24 |
| Return on assets (ROA) | 7.9649% | 24 |
| Pretax return on assets | 13.0348% | 21 |
| Return on Equity (ROE) | 9.9949% | 2,134 |
| Retained earnings to average equity (ytd only) | 9.9949% | 586 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3726% | 1,280 |
| Assets per employee ($millions) | 1.0469% | 5,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2245% | 5,742 |
| Equity capital to assets | 76.0529% | 29 |
| Core capital (leverage) ratio | 85.1355% | 24 |
| Tier 1 risk-based capital ratio | 182.7513% | 26 |
| Total risk-based capital ratio | 182.7513% | 26 |
| Memoranda: | ||
| Average total assets | $205,496,250 | 2,889 |
| Average earning assets | $46,040,500 | 5,202 |
| Average equity | $163,760,000 | 511 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3621% | 5,758 |
| Cost of funding earning assets | 0.0044% | 5,770 |
| Net interest margin | 1.3578% | 5,746 |
| Noninterest income to average assets | 60.9146% | 20 |
| Noninterest expense to average assets | 48.8262% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 7.7947% | 24 |
| Return on assets (ROA) | 7.7947% | 24 |
| Pretax return on assets | 12.4015% | 22 |
| Return on Equity (ROE) | 9.6168% | 2,206 |
| Retained earnings to average equity (ytd only) | 9.6168% | 671 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7371% | 1,239 |
| Assets per employee ($millions) | 0.9755% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2421% | 5,795 |
| Equity capital to assets | 79.8307% | 26 |
| Core capital (leverage) ratio | 83.6595% | 24 |
| Tier 1 risk-based capital ratio | 173.9621% | 26 |
| Total risk-based capital ratio | 173.9621% | 26 |
| Memoranda: | ||
| Average total assets | $199,315,000 | 2,976 |
| Average earning assets | $45,958,000 | 5,239 |
| Average equity | $161,550,330 | 517 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8633% | 5,847 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 0.8633% | 5,843 |
| Noninterest income to average assets | 60.0768% | 20 |
| Noninterest expense to average assets | 51.3438% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 5.2164% | 41 |
| Return on assets (ROA) | 5.2164% | 41 |
| Pretax return on assets | 8.9360% | 29 |
| Return on Equity (ROE) | 6.3845% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.3845% | 2,145 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1691% | 874 |
| Assets per employee ($millions) | 0.9355% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2597% | 5,861 |
| Equity capital to assets | 82.9591% | 28 |
| Core capital (leverage) ratio | 77.4533% | 29 |
| Tier 1 risk-based capital ratio | 164.7466% | 28 |
| Total risk-based capital ratio | 164.7466% | 28 |
| Memoranda: | ||
| Average total assets | $195,077,000 | 3,043 |
| Average earning assets | $45,871,500 | 5,295 |
| Average equity | $159,385,000 | 521 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9466% | 5,886 |
| Cost of funding earning assets | 0.0021% | 5,892 |
| Net interest margin | 0.9445% | 5,883 |
| Noninterest income to average assets | 62.5535% | 20 |
| Noninterest expense to average assets | 49.6861% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 7.4098% | 20 |
| Return on assets (ROA) | 7.4098% | 21 |
| Pretax return on assets | 13.1037% | 19 |
| Return on Equity (ROE) | 9.1709% | 2,332 |
| Retained earnings to average equity (ytd only) | 9.1709% | 551 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1044% | 1,542 |
| Assets per employee ($millions) | 0.9632% | 5,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2555% | 5,919 |
| Equity capital to assets | 80.4663% | 25 |
| Core capital (leverage) ratio | 70.8712% | 28 |
| Tier 1 risk-based capital ratio | 149.1118% | 30 |
| Total risk-based capital ratio | 149.1118% | 30 |
| Memoranda: | ||
| Average total assets | $186,253,400 | 3,097 |
| Average earning assets | $46,585,800 | 5,321 |
| Average equity | $150,487,400 | 528 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8066% | 5,957 |
| Cost of funding earning assets | 0.0028% | 5,959 |
| Net interest margin | 0.8038% | 5,957 |
| Noninterest income to average assets | 60.6563% | 20 |
| Noninterest expense to average assets | 48.4551% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 7.5777% | 22 |
| Return on assets (ROA) | 7.5777% | 23 |
| Pretax return on assets | 12.4059% | 21 |
| Return on Equity (ROE) | 9.3684% | 2,323 |
| Retained earnings to average equity (ytd only) | 9.3684% | 719 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5814% | 1,485 |
| Assets per employee ($millions) | 0.9962% | 5,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2495% | 5,988 |
| Equity capital to assets | 76.9047% | 28 |
| Core capital (leverage) ratio | 72.6596% | 28 |
| Tier 1 risk-based capital ratio | 155.1699% | 30 |
| Total risk-based capital ratio | 155.1699% | 31 |
| Memoranda: | ||
| Average total assets | $183,692,750 | 3,132 |
| Average earning assets | $46,776,500 | 5,366 |
| Average equity | $148,581,000 | 534 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9333% | 6,034 |
| Cost of funding earning assets | 0.0042% | 6,034 |
| Net interest margin | 0.9290% | 6,033 |
| Noninterest income to average assets | 60.4674% | 19 |
| Noninterest expense to average assets | 51.1054% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 5.7094% | 26 |
| Return on assets (ROA) | 5.7094% | 28 |
| Pretax return on assets | 9.6082% | 22 |
| Return on Equity (ROE) | 6.9299% | 3,588 |
| Retained earnings to average equity (ytd only) | 6.9299% | 1,637 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1264% | 1,041 |
| Assets per employee ($millions) | 0.9368% | 6,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2679% | 6,066 |
| Equity capital to assets | 79.7320% | 27 |
| Core capital (leverage) ratio | 69.9494% | 31 |
| Tier 1 risk-based capital ratio | 156.2843% | 30 |
| Total risk-based capital ratio | 156.2843% | 30 |
| Memoranda: | ||
| Average total assets | $177,848,000 | 3,216 |
| Average earning assets | $47,146,670 | 5,419 |
| Average equity | $146,523,670 | 542 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5342% | 6,110 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 0.5342% | 6,108 |
| Noninterest income to average assets | 56.3527% | 21 |
| Noninterest expense to average assets | 52.3037% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.7935% | 59 |
| Return on assets (ROA) | 3.7935% | 57 |
| Pretax return on assets | 4.1925% | 70 |
| Return on Equity (ROE) | 4.6572% | 4,643 |
| Retained earnings to average equity (ytd only) | 4.6572% | 3,147 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4878% | 520 |
| Assets per employee ($millions) | 0.9350% | 6,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2768% | 6,128 |
| Equity capital to assets | 80.5851% | 28 |
| Core capital (leverage) ratio | 74.1929% | 27 |
| Tier 1 risk-based capital ratio | 157.6549% | 29 |
| Total risk-based capital ratio | 157.6549% | 29 |
| Memoranda: | ||
| Average total assets | $178,412,000 | 3,221 |
| Average earning assets | $47,918,000 | 5,448 |
| Average equity | $145,324,000 | 543 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0789% | 6,142 |
| Cost of funding earning assets | 0.0047% | 6,158 |
| Net interest margin | 1.0741% | 6,137 |
| Noninterest income to average assets | 59.7637% | 21 |
| Noninterest expense to average assets | 55.1539% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.2831% | 220 |
| Return on assets (ROA) | 2.2831% | 225 |
| Pretax return on assets | 4.7372% | 57 |
| Return on Equity (ROE) | 2.8802% | 5,342 |
| Retained earnings to average equity (ytd only) | 2.8802% | 4,011 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0856% | 569 |
| Assets per employee ($millions) | 0.9043% | 6,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2856% | 6,188 |
| Equity capital to assets | 82.3527% | 26 |
| Core capital (leverage) ratio | 63.6687% | 32 |
| Tier 1 risk-based capital ratio | 164.0074% | 31 |
| Total risk-based capital ratio | 164.0074% | 31 |
| Memoranda: | ||
| Average total assets | $178,964,800 | 3,184 |
| Average earning assets | $21,226,200 | 6,040 |
| Average equity | $141,866,800 | 534 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9759% | 6,240 |
| Cost of funding earning assets | 0.0000% | 6,253 |
| Net interest margin | 0.9759% | 6,236 |
| Noninterest income to average assets | 62.5266% | 21 |
| Noninterest expense to average assets | 60.3737% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.3989% | 1,106 |
| Return on assets (ROA) | 1.3989% | 1,152 |
| Pretax return on assets | 2.2285% | 387 |
| Return on Equity (ROE) | 1.7817% | 5,716 |
| Retained earnings to average equity (ytd only) | 1.7817% | 4,987 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4402% | 405 |
| Assets per employee ($millions) | 0.9474% | 6,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2754% | 6,276 |
| Equity capital to assets | 78.2217% | 28 |
| Core capital (leverage) ratio | 63.0855% | 35 |
| Tier 1 risk-based capital ratio | 249.3008% | 23 |
| Total risk-based capital ratio | 249.3008% | 23 |
| Memoranda: | ||
| Average total assets | $179,846,500 | 3,190 |
| Average earning assets | $13,936,000 | 6,217 |
| Average equity | $141,214,000 | 536 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 122.6477% | 1 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 122.6477% | 1 |
| Noninterest income to average assets | 61.8950% | 22 |
| Noninterest expense to average assets | 63.6487% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3070% | 5,421 |
| Return on assets (ROA) | 0.3070% | 5,521 |
| Pretax return on assets | -1.6398% | 6,290 |
| Return on Equity (ROE) | 0.3905% | 5,981 |
| Retained earnings to average equity (ytd only) | 0.3905% | 5,392 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6445% | 277 |
| Assets per employee ($millions) | 0.9300% | 6,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2835% | 6,352 |
| Equity capital to assets | 79.6114% | 27 |
| Core capital (leverage) ratio | 61.2866% | 36 |
| Tier 1 risk-based capital ratio | 156.4973% | 32 |
| Total risk-based capital ratio | 156.4973% | 32 |
| Memoranda: | ||
| Average total assets | $179,164,670 | 3,225 |
| Average earning assets | $166,330 | 6,347 |
| Average equity | $140,859,000 | 540 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,417 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 0.0000% | 6,416 |
| Noninterest income to average assets | 64.2591% | 22 |
| Noninterest expense to average assets | 65.3300% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.4967% | 156 |
| Return on assets (ROA) | 2.4967% | 166 |
| Pretax return on assets | -1.0709% | 6,318 |
| Return on Equity (ROE) | 3.1953% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.1953% | 4,069 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6666% | 327 |
| Assets per employee ($millions) | 0.9899% | 6,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 0.5236% | 6,421 |
| Equity capital to assets | 81.6918% | 30 |
| Core capital (leverage) ratio | 60.9847% | 36 |
| Tier 1 risk-based capital ratio | 107.2953% | 50 |
| Total risk-based capital ratio | 107.2953% | 51 |
| Memoranda: | ||
| Average total assets | $180,401,000 | 3,228 |
| Average earning assets | $132,500 | 6,418 |
| Average equity | $140,955,000 | 536 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 91.2637% | 1 |
| Cost of funding earning assets | 0.0000% | 6,493 |
| Net interest margin | 91.2637% | 1 |
| Noninterest income to average assets | 78.5832% | 17 |
| Noninterest expense to average assets | 60.0113% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 9.2302% | 21 |
| Return on assets (ROA) | 9.2302% | 21 |
| Pretax return on assets | 18.7122% | 16 |
| Return on Equity (ROE) | 11.5007% | 1,558 |
| Retained earnings to average equity (ytd only) | 11.5007% | 336 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2305% | 2,476 |
| Assets per employee ($millions) | 1.1274% | 6,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 0.4317% | 6,511 |
| Equity capital to assets | 73.3849% | 33 |
| Core capital (leverage) ratio | 57.8084% | 38 |
| Tier 1 risk-based capital ratio | 87.0475% | 54 |
| Total risk-based capital ratio | 87.0475% | 55 |
| Memoranda: | ||
| Average total assets | $166,746,800 | 3,380 |
| Average earning assets | $256,400 | 6,508 |
| Average equity | $133,826,600 | 539 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 56.6266% | 1 |
| Cost of funding earning assets | 0.0000% | 6,574 |
| Net interest margin | 56.6266% | 1 |
| Noninterest income to average assets | 67.4305% | 18 |
| Noninterest expense to average assets | 58.7339% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 4.3579% | 55 |
| Return on assets (ROA) | 4.3579% | 55 |
| Pretax return on assets | 8.7985% | 31 |
| Return on Equity (ROE) | 5.2916% | 4,584 |
| Retained earnings to average equity (ytd only) | 5.2916% | 2,889 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9714% | 1,097 |
| Assets per employee ($millions) | 1.1118% | 6,530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 0.4229% | 6,592 |
| Equity capital to assets | 72.9196% | 32 |
| Core capital (leverage) ratio | 69.4300% | 33 |
| Tier 1 risk-based capital ratio | 103.9749% | 45 |
| Total risk-based capital ratio | 103.9749% | 45 |
| Memoranda: | ||
| Average total assets | $159,674,500 | 3,521 |
| Average earning assets | $287,250 | 6,588 |
| Average equity | $131,501,500 | 554 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 114.9155% | 1 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 114.9155% | 1 |
| Noninterest income to average assets | 67.7166% | 19 |
| Noninterest expense to average assets | 57.0041% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 6.2068% | 37 |
| Return on assets (ROA) | 6.2068% | 37 |
| Pretax return on assets | 10.8728% | 27 |
| Return on Equity (ROE) | 7.2067% | 3,512 |
| Retained earnings to average equity (ytd only) | 7.2067% | 1,664 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9816% | 1,518 |
| Assets per employee ($millions) | 0.9792% | 6,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 0.4667% | 6,658 |
| Equity capital to assets | 81.9842% | 26 |
| Core capital (leverage) ratio | 71.3053% | 31 |
| Tier 1 risk-based capital ratio | 109.2817% | 44 |
| Total risk-based capital ratio | 109.2817% | 44 |
| Memoranda: | ||
| Average total assets | $152,122,330 | 3,648 |
| Average earning assets | $212,330 | 6,655 |
| Average equity | $131,017,000 | 552 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 6,728 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 0.0000% | 6,725 |
| Noninterest income to average assets | 68.4091% | 19 |
| Noninterest expense to average assets | 53.9018% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 7.9945% | 26 |
| Return on assets (ROA) | 7.9945% | 26 |
| Pretax return on assets | 14.5073% | 22 |
| Return on Equity (ROE) | 9.0440% | 2,439 |
| Retained earnings to average equity (ytd only) | 9.0440% | 1,235 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7933% | 2,359 |
| Assets per employee ($millions) | 1.0035% | 6,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 0.5206% | 6,728 |
| Equity capital to assets | 80.8891% | 32 |
| Core capital (leverage) ratio | 89.6545% | 13 |
| Tier 1 risk-based capital ratio | 92.8958% | 53 |
| Total risk-based capital ratio | 92.8958% | 54 |
| Memoranda: | ||
| Average total assets | $147,401,500 | 3,744 |
| Average earning assets | $62,500 | 6,729 |
| Average equity | $130,297,000 | 557 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4218% | 6,790 |
| Cost of funding earning assets | 0.0051% | 6,787 |
| Net interest margin | 0.4167% | 6,787 |
| Noninterest income to average assets | 109.7415% | 14 |
| Noninterest expense to average assets | 91.6091% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 11.5823% | 19 |
| Return on assets (ROA) | 11.5823% | 19 |
| Pretax return on assets | 18.2708% | 17 |
| Return on Equity (ROE) | 15.0144% | 764 |
| Retained earnings to average equity (ytd only) | 15.0144% | 169 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3236% | 1,710 |
| Assets per employee ($millions) | 0.9064% | 6,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3752% | 6,814 |
| Equity capital to assets | 97.4979% | 3 |
| Core capital (leverage) ratio | 44.4978% | 41 |
| Tier 1 risk-based capital ratio | 187.8483% | 31 |
| Total risk-based capital ratio | 187.8483% | 31 |
| Memoranda: | ||
| Average total assets | $176,915,800 | 3,306 |
| Average earning assets | $58,801,800 | 5,631 |
| Average equity | $136,475,200 | 530 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0018% | 6,889 |
| Cost of funding earning assets | 0.0018% | 6,874 |
| Net interest margin | 0.0000% | 6,886 |
| Noninterest income to average assets | 35.9445% | 26 |
| Noninterest expense to average assets | 33.9221% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.2202% | 1,565 |
| Return on assets (ROA) | 1.8065% | 539 |
| Pretax return on assets | 2.6086% | 212 |
| Return on Equity (ROE) | 2.4568% | 5,806 |
| Retained earnings to average equity (ytd only) | 2.4568% | 4,860 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3738% | 712 |
| Assets per employee ($millions) | 1.2424% | 6,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2613% | 6,891 |
| Equity capital to assets | 72.5119% | 31 |
| Core capital (leverage) ratio | 54.5373% | 36 |
| Tier 1 risk-based capital ratio | 159.3257% | 32 |
| Total risk-based capital ratio | 159.3257% | 32 |
| Memoranda: | ||
| Average total assets | $187,833,250 | 3,216 |
| Average earning assets | $73,502,250 | 5,256 |
| Average equity | $138,116,000 | 528 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0028% | 6,938 |
| Cost of funding earning assets | 0.0028% | 6,921 |
| Net interest margin | 0.0000% | 6,934 |
| Noninterest income to average assets | 36.2938% | 25 |
| Noninterest expense to average assets | 34.3652% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2214% | 1,537 |
| Return on assets (ROA) | 2.2104% | 268 |
| Pretax return on assets | 2.9175% | 156 |
| Return on Equity (ROE) | 2.9919% | 5,628 |
| Retained earnings to average equity (ytd only) | 2.9919% | 4,415 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6862% | 727 |
| Assets per employee ($millions) | 1.2975% | 6,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2639% | 6,942 |
| Equity capital to assets | 72.9604% | 30 |
| Core capital (leverage) ratio | 58.7836% | 36 |
| Tier 1 risk-based capital ratio | 162.5915% | 31 |
| Total risk-based capital ratio | 162.5915% | 31 |
| Memoranda: | ||
| Average total assets | $186,665,330 | 3,249 |
| Average earning assets | $71,834,670 | 5,338 |
| Average equity | $137,907,330 | 531 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3481% | 7,005 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 0.3481% | 7,000 |
| Noninterest income to average assets | 80.1103% | 16 |
| Noninterest expense to average assets | 65.5118% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 9.2854% | 24 |
| Return on assets (ROA) | 9.2854% | 24 |
| Pretax return on assets | 14.7215% | 18 |
| Return on Equity (ROE) | 12.4889% | 1,296 |
| Retained earnings to average equity (ytd only) | 12.4889% | 629 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5251% | 2,110 |
| Assets per employee ($millions) | 1.2397% | 6,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2744% | 7,020 |
| Equity capital to assets | 76.9460% | 29 |
| Core capital (leverage) ratio | 53.0765% | 36 |
| Tier 1 risk-based capital ratio | 126.1504% | 39 |
| Total risk-based capital ratio | 126.1504% | 39 |
| Memoranda: | ||
| Average total assets | $185,279,500 | 3,293 |
| Average earning assets | $65,500,500 | 5,562 |
| Average equity | $137,754,000 | 540 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3468% | 7,033 |
| Cost of funding earning assets | 0.0120% | 7,059 |
| Net interest margin | 1.3348% | 7,010 |
| Noninterest income to average assets | 92.9510% | 14 |
| Noninterest expense to average assets | 74.7167% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 11.6174% | 18 |
| Return on assets (ROA) | 11.6174% | 18 |
| Pretax return on assets | 18.3677% | 17 |
| Return on Equity (ROE) | 15.3071% | 760 |
| Retained earnings to average equity (ytd only) | 15.3071% | 144 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1456% | 2,121 |
| Assets per employee ($millions) | 1.2639% | 7,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2655% | 7,083 |
| Equity capital to assets | 71.8365% | 32 |
| Core capital (leverage) ratio | 70.7062% | 29 |
| Tier 1 risk-based capital ratio | 116.3934% | 46 |
| Total risk-based capital ratio | 116.3934% | 46 |
| Memoranda: | ||
| Average total assets | $166,406,000 | 3,512 |
| Average earning assets | $16,632,000 | 6,965 |
| Average equity | $126,294,400 | 569 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5201% | 140 |
| Cost of funding earning assets | 0.0389% | 7,152 |
| Net interest margin | 6.4811% | 66 |
| Noninterest income to average assets | 84.0236% | 16 |
| Noninterest expense to average assets | 73.3888% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 6.5486% | 33 |
| Return on assets (ROA) | 6.5486% | 33 |
| Pretax return on assets | 10.7723% | 27 |
| Return on Equity (ROE) | 8.4955% | 3,048 |
| Retained earnings to average equity (ytd only) | 8.4955% | 1,410 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0606% | 1,299 |
| Assets per employee ($millions) | 1.0832% | 7,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3077% | 7,182 |
| Equity capital to assets | 76.1441% | 30 |
| Core capital (leverage) ratio | 55.3305% | 35 |
| Tier 1 risk-based capital ratio | 275.1124% | 21 |
| Total risk-based capital ratio | 275.1124% | 21 |
| Memoranda: | ||
| Average total assets | $160,927,000 | 3,637 |
| Average earning assets | $3,415,000 | 7,174 |
| Average equity | $124,047,000 | 581 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5007% | 146 |
| Cost of funding earning assets | 0.0586% | 7,204 |
| Net interest margin | 6.4422% | 68 |
| Noninterest income to average assets | 78.6999% | 16 |
| Noninterest expense to average assets | 70.1530% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 5.4249% | 43 |
| Return on assets (ROA) | 5.4249% | 43 |
| Pretax return on assets | 8.6840% | 34 |
| Return on Equity (ROE) | 7.0089% | 3,774 |
| Retained earnings to average equity (ytd only) | 7.0089% | 2,098 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8362% | 1,164 |
| Assets per employee ($millions) | 1.0431% | 7,180 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3217% | 7,249 |
| Equity capital to assets | 77.2536% | 26 |
| Core capital (leverage) ratio | 56.0889% | 33 |
| Tier 1 risk-based capital ratio | 250.8632% | 20 |
| Total risk-based capital ratio | 250.8632% | 19 |
| Memoranda: | ||
| Average total assets | $160,409,330 | 3,656 |
| Average earning assets | $3,415,000 | 7,237 |
| Average equity | $124,156,330 | 580 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3250% | 201 |
| Cost of funding earning assets | 0.0000% | 7,293 |
| Net interest margin | 6.3250% | 78 |
| Noninterest income to average assets | 75.9903% | 16 |
| Noninterest expense to average assets | 66.7358% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 5.9126% | 38 |
| Return on assets (ROA) | 5.9126% | 40 |
| Pretax return on assets | 9.3871% | 34 |
| Return on Equity (ROE) | 7.6322% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.6322% | 2,117 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5169% | 1,336 |
| Assets per employee ($millions) | 1.0608% | 7,245 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3207% | 7,310 |
| Equity capital to assets | 81.8845% | 20 |
| Core capital (leverage) ratio | 54.9465% | 31 |
| Tier 1 risk-based capital ratio | 172.3987% | 33 |
| Total risk-based capital ratio | 172.3987% | 33 |
| Memoranda: | ||
| Average total assets | $162,905,000 | 3,639 |
| Average earning assets | $3,415,000 | 7,300 |
| Average equity | $126,201,500 | 568 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5492% | 7,312 |
| Cost of funding earning assets | 0.0219% | 7,337 |
| Net interest margin | 1.5273% | 7,285 |
| Noninterest income to average assets | 84.1585% | 16 |
| Noninterest expense to average assets | 71.8653% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 7.7076% | 29 |
| Return on assets (ROA) | 7.7076% | 30 |
| Pretax return on assets | 12.4295% | 22 |
| Return on Equity (ROE) | 10.1533% | 2,010 |
| Retained earnings to average equity (ytd only) | 10.1533% | 528 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3854% | 1,832 |
| Assets per employee ($millions) | 1.1556% | 7,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2943% | 7,357 |
| Equity capital to assets | 73.4166% | 28 |
| Core capital (leverage) ratio | 59.7085% | 31 |
| Tier 1 risk-based capital ratio | 165.8630% | 32 |
| Total risk-based capital ratio | 165.8630% | 32 |
| Memoranda: | ||
| Average total assets | $153,328,600 | 3,748 |
| Average earning assets | $13,684,400 | 7,270 |
| Average equity | $116,395,800 | 593 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3044% | 7,398 |
| Cost of funding earning assets | 0.0164% | 7,413 |
| Net interest margin | 1.2880% | 7,382 |
| Noninterest income to average assets | 78.6969% | 16 |
| Noninterest expense to average assets | 71.7467% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 4.2486% | 54 |
| Return on assets (ROA) | 4.2486% | 55 |
| Pretax return on assets | 7.0905% | 46 |
| Return on Equity (ROE) | 5.5448% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.5448% | 2,828 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3207% | 1,314 |
| Assets per employee ($millions) | 1.0473% | 7,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3248% | 7,436 |
| Equity capital to assets | 76.4292% | 31 |
| Core capital (leverage) ratio | 53.2908% | 39 |
| Tier 1 risk-based capital ratio | 220.4451% | 25 |
| Total risk-based capital ratio | 220.4451% | 25 |
| Memoranda: | ||
| Average total assets | $149,191,500 | 3,839 |
| Average earning assets | $16,251,750 | 7,303 |
| Average equity | $114,315,250 | 610 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0423% | 7,482 |
| Cost of funding earning assets | 0.0195% | 7,484 |
| Net interest margin | 1.0229% | 7,470 |
| Noninterest income to average assets | 78.6474% | 16 |
| Noninterest expense to average assets | 73.9592% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.7939% | 118 |
| Return on assets (ROA) | 2.7939% | 121 |
| Pretax return on assets | 4.8304% | 73 |
| Return on Equity (ROE) | 3.6431% | 5,096 |
| Retained earnings to average equity (ytd only) | 3.6431% | 3,910 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4246% | 1,214 |
| Assets per employee ($millions) | 1.0148% | 7,451 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3398% | 7,515 |
| Equity capital to assets | 78.1318% | 29 |
| Core capital (leverage) ratio | 59.9548% | 40 |
| Tier 1 risk-based capital ratio | 132.8126% | 44 |
| Total risk-based capital ratio | 132.8126% | 44 |
| Memoranda: | ||
| Average total assets | $147,605,670 | 3,890 |
| Average earning assets | $20,530,670 | 7,281 |
| Average equity | $113,199,670 | 615 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0521% | 7,543 |
| Cost of funding earning assets | 0.0195% | 7,547 |
| Net interest margin | 1.0326% | 7,531 |
| Noninterest income to average assets | 75.9707% | 16 |
| Noninterest expense to average assets | 74.4717% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.0769% | 1,919 |
| Return on assets (ROA) | 1.0769% | 1,969 |
| Pretax return on assets | 1.6424% | 1,098 |
| Return on Equity (ROE) | 1.4174% | 6,012 |
| Retained earnings to average equity (ytd only) | 1.4174% | 5,253 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2803% | 1,026 |
| Assets per employee ($millions) | 0.9566% | 7,513 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3532% | 7,577 |
| Equity capital to assets | 79.7396% | 24 |
| Core capital (leverage) ratio | 45.0106% | 46 |
| Tier 1 risk-based capital ratio | 89.1213% | 60 |
| Total risk-based capital ratio | 89.1213% | 61 |
| Memoranda: | ||
| Average total assets | $147,836,000 | 3,913 |
| Average earning assets | $20,530,000 | 7,332 |
| Average equity | $112,316,000 | 609 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0223% | 7,600 |
| Cost of funding earning assets | 0.0271% | 7,619 |
| Net interest margin | 0.9951% | 7,583 |
| Noninterest income to average assets | 74.4337% | 17 |
| Noninterest expense to average assets | 62.7870% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 7.3089% | 22 |
| Return on assets (ROA) | 7.3089% | 23 |
| Pretax return on assets | 11.8016% | 18 |
| Return on Equity (ROE) | 9.3122% | 2,173 |
| Retained earnings to average equity (ytd only) | 9.3122% | 637 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3946% | 2,367 |
| Assets per employee ($millions) | 1.0412% | 7,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3245% | 7,657 |
| Equity capital to assets | 72.5133% | 35 |
| Core capital (leverage) ratio | 46.5929% | 50 |
| Tier 1 risk-based capital ratio | 78.7837% | 65 |
| Total risk-based capital ratio | 78.7837% | 65 |
| Memoranda: | ||
| Average total assets | $142,005,600 | 4,021 |
| Average earning assets | $22,108,000 | 7,345 |
| Average equity | $111,455,600 | 603 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0013% | 7,725 |
| Cost of funding earning assets | 0.0296% | 7,725 |
| Net interest margin | 0.9717% | 7,709 |
| Noninterest income to average assets | 65.5138% | 19 |
| Noninterest expense to average assets | 59.4220% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 3.6762% | 47 |
| Return on assets (ROA) | 3.6762% | 49 |
| Pretax return on assets | 6.2491% | 36 |
| Return on Equity (ROE) | 4.5870% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.5870% | 3,277 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0945% | 1,623 |
| Assets per employee ($millions) | 0.9805% | 7,697 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3493% | 7,762 |
| Equity capital to assets | 79.3876% | 29 |
| Core capital (leverage) ratio | 53.2275% | 44 |
| Tier 1 risk-based capital ratio | 121.5882% | 50 |
| Total risk-based capital ratio | 121.5882% | 50 |
| Memoranda: | ||
| Average total assets | $138,982,000 | 4,123 |
| Average earning assets | $22,502,750 | 7,430 |
| Average equity | $111,383,750 | 594 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9671% | 7,799 |
| Cost of funding earning assets | 0.0259% | 7,799 |
| Net interest margin | 0.9412% | 7,782 |
| Noninterest income to average assets | 63.9180% | 19 |
| Noninterest expense to average assets | 58.2156% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 3.5656% | 57 |
| Return on assets (ROA) | 3.5656% | 58 |
| Pretax return on assets | 5.8608% | 41 |
| Return on Equity (ROE) | 4.4346% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.4346% | 3,252 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3096% | 1,674 |
| Assets per employee ($millions) | 0.9518% | 7,769 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3623% | 7,830 |
| Equity capital to assets | 81.2733% | 26 |
| Core capital (leverage) ratio | 57.5052% | 41 |
| Tier 1 risk-based capital ratio | 121.5284% | 46 |
| Total risk-based capital ratio | 121.5284% | 46 |
| Memoranda: | ||
| Average total assets | $137,592,000 | 4,184 |
| Average earning assets | $23,162,330 | 7,469 |
| Average equity | $110,630,000 | 595 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9149% | 7,908 |
| Cost of funding earning assets | 0.0327% | 7,899 |
| Net interest margin | 0.8822% | 7,885 |
| Noninterest income to average assets | 61.9510% | 20 |
| Noninterest expense to average assets | 58.4658% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.2128% | 246 |
| Return on assets (ROA) | 2.2128% | 273 |
| Pretax return on assets | 3.6425% | 92 |
| Return on Equity (ROE) | 2.7672% | 5,447 |
| Retained earnings to average equity (ytd only) | 2.7672% | 4,476 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4379% | 1,475 |
| Assets per employee ($millions) | 0.9455% | 7,874 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3673% | 7,933 |
| Equity capital to assets | 81.0593% | 25 |
| Core capital (leverage) ratio | 46.5130% | 50 |
| Tier 1 risk-based capital ratio | 93.1655% | 56 |
| Total risk-based capital ratio | 93.1655% | 56 |
| Memoranda: | ||
| Average total assets | $137,379,500 | 4,242 |
| Average earning assets | $24,484,000 | 7,515 |
| Average equity | $109,859,500 | 602 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1418% | 7,965 |
| Cost of funding earning assets | 0.0544% | 7,977 |
| Net interest margin | 1.0874% | 7,918 |
| Noninterest income to average assets | 61.4146% | 19 |
| Noninterest expense to average assets | 54.6645% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 3.1603% | 51 |
| Return on assets (ROA) | 3.1603% | 54 |
| Pretax return on assets | 6.9938% | 32 |
| Return on Equity (ROE) | 3.8535% | 4,147 |
| Retained earnings to average equity (ytd only) | 3.8535% | 2,510 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9979% | 2,349 |
| Assets per employee ($millions) | 0.9693% | 7,952 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3607% | 8,009 |
| Equity capital to assets | 78.8959% | 30 |
| Core capital (leverage) ratio | 41.7343% | 63 |
| Tier 1 risk-based capital ratio | 87.7753% | 64 |
| Total risk-based capital ratio | 87.7753% | 65 |
| Memoranda: | ||
| Average total assets | $139,479,800 | 4,135 |
| Average earning assets | $31,266,600 | 7,299 |
| Average equity | $114,388,400 | 574 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2178% | 8,057 |
| Cost of funding earning assets | 0.0626% | 8,060 |
| Net interest margin | 1.1552% | 7,996 |
| Noninterest income to average assets | 55.9246% | 22 |
| Noninterest expense to average assets | 52.4982% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.4844% | 104 |
| Return on assets (ROA) | 2.4844% | 116 |
| Pretax return on assets | 3.6908% | 62 |
| Return on Equity (ROE) | 3.0011% | 4,793 |
| Retained earnings to average equity (ytd only) | 3.0011% | 3,650 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3272% | 1,836 |
| Assets per employee ($millions) | 1.0163% | 8,037 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3514% | 8,097 |
| Equity capital to assets | 82.6053% | 26 |
| Core capital (leverage) ratio | 53.4391% | 49 |
| Tier 1 risk-based capital ratio | 146.3755% | 45 |
| Total risk-based capital ratio | 146.3755% | 45 |
| Memoranda: | ||
| Average total assets | $139,696,500 | 4,144 |
| Average earning assets | $31,970,250 | 7,330 |
| Average equity | $115,645,500 | 578 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4090% | 8,145 |
| Cost of funding earning assets | 0.0593% | 8,155 |
| Net interest margin | 1.3497% | 8,048 |
| Noninterest income to average assets | 54.5739% | 22 |
| Noninterest expense to average assets | 53.5597% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.9709% | 2,204 |
| Return on assets (ROA) | 0.9709% | 2,299 |
| Pretax return on assets | 1.3095% | 1,996 |
| Return on Equity (ROE) | 1.1720% | 5,585 |
| Retained earnings to average equity (ytd only) | 1.1720% | 4,687 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3547% | 1,613 |
| Assets per employee ($millions) | 0.9444% | 8,138 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3651% | 8,194 |
| Equity capital to assets | 84.3097% | 24 |
| Core capital (leverage) ratio | 55.4630% | 55 |
| Tier 1 risk-based capital ratio | 146.2811% | 50 |
| Total risk-based capital ratio | 146.2811% | 50 |
| Memoranda: | ||
| Average total assets | $138,835,670 | 4,194 |
| Average earning assets | $30,376,000 | 7,469 |
| Average equity | $115,017,330 | 588 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5413% | 8,201 |
| Cost of funding earning assets | 0.0536% | 8,214 |
| Net interest margin | 1.4877% | 8,064 |
| Noninterest income to average assets | 53.6540% | 22 |
| Noninterest expense to average assets | 54.5010% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.0114% | 6,229 |
| Return on assets (ROA) | 0.0114% | 6,385 |
| Pretax return on assets | -0.5294% | 6,844 |
| Return on Equity (ROE) | 0.0139% | 6,404 |
| Retained earnings to average equity (ytd only) | 0.0139% | 5,637 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6683% | 1,332 |
| Assets per employee ($millions) | 0.9373% | 8,192 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3604% | 8,245 |
| Equity capital to assets | 82.6943% | 27 |
| Core capital (leverage) ratio | 46.0557% | 83 |
| Tier 1 risk-based capital ratio | 115.3842% | 62 |
| Total risk-based capital ratio | 115.3842% | 63 |
| Memoranda: | ||
| Average total assets | $139,784,500 | 4,192 |
| Average earning assets | $29,845,000 | 7,524 |
| Average equity | $114,800,000 | 584 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3605% | 8,153 |
| Cost of funding earning assets | 0.0494% | 8,272 |
| Net interest margin | 3.3111% | 5,997 |
| Noninterest income to average assets | 57.7412% | 26 |
| Noninterest expense to average assets | 52.6108% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 3.2378% | 59 |
| Return on assets (ROA) | 3.2378% | 60 |
| Pretax return on assets | 6.0199% | 40 |
| Return on Equity (ROE) | 4.0110% | 4,824 |
| Retained earnings to average equity (ytd only) | -23.3973% | 7,773 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4133% | 1,910 |
| Assets per employee ($millions) | 0.8641% | 8,245 |
| Cash dividends to net income (ytd only)* | 683.3268% | 60 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3550% | 8,301 |
| Equity capital to assets | 81.5671% | 31 |
| Core capital (leverage) ratio | 46.8461% | 88 |
| Tier 1 risk-based capital ratio | 117.9941% | 68 |
| Total risk-based capital ratio | 117.9941% | 68 |
| Memoranda: | ||
| Average total assets | $158,192,000 | 3,755 |
| Average earning assets | $42,493,600 | 6,926 |
| Average equity | $127,698,400 | 536 |
| Average total loans | NA | NA |