Home > Deutsche Bank Trust Company Delaware > Performance and Condition Ratios
Deutsche Bank Trust Company Delaware, 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 | 5.1453% | 1,765 |
| Cost of funding earning assets | 0.1497% | 4,467 |
| Net interest margin | 4.9956% | 315 |
| Noninterest income to average assets | 9.8300% | 93 |
| Noninterest expense to average assets | 6.6059% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 5.0821% | 73 |
| Return on assets (ROA) | 5.0821% | 74 |
| Pretax return on assets | 7.2941% | 62 |
| Return on Equity (ROE) | 5.4100% | 3,641 |
| Retained earnings to average equity (ytd only) | 5.4132% | 2,439 |
| 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 | 47.5244% | 4,112 |
| Assets per employee ($millions) | 21.7227% | 86 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| 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 | 2.3200% | 4,526 |
| Equity capital to assets | 93.4569% | 68 |
| Core capital (leverage) ratio | 94.6721% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $126,266,400 | 3,584 |
| Average earning assets | $102,870,600 | 3,716 |
| Average equity | $118,544,600 | 834 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 2,064 |
| Cost of funding earning assets | 0.1475% | 4,480 |
| Net interest margin | 4.7498% | 434 |
| Noninterest income to average assets | 10.0600% | 90 |
| Noninterest expense to average assets | 6.4797% | 164 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 5.1480% | 73 |
| Return on assets (ROA) | 5.1480% | 73 |
| Pretax return on assets | 7.4580% | 64 |
| Return on Equity (ROE) | 5.4800% | 3,733 |
| Retained earnings to average equity (ytd only) | 5.4769% | 2,784 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.4905% | 4,109 |
| Assets per employee ($millions) | 18.3171% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| 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 | 2.3600% | 4,555 |
| Equity capital to assets | 93.7685% | 67 |
| Core capital (leverage) ratio | 94.8545% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $125,249,000 | 3,615 |
| Average earning assets | $102,176,750 | 3,737 |
| Average equity | $117,728,750 | 833 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8674% | 1,844 |
| Cost of funding earning assets | 0.1438% | 4,484 |
| Net interest margin | 4.7236% | 440 |
| Noninterest income to average assets | 10.6300% | 89 |
| Noninterest expense to average assets | 6.7424% | 152 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 5.1602% | 68 |
| Return on assets (ROA) | 5.1602% | 68 |
| Pretax return on assets | 7.7500% | 54 |
| Return on Equity (ROE) | 5.4900% | 3,802 |
| Retained earnings to average equity (ytd only) | 5.4853% | 2,791 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 46.5238% | 4,138 |
| Assets per employee ($millions) | 18.0383% | 118 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| 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 | 2.4000% | 4,581 |
| Equity capital to assets | 93.9256% | 67 |
| Core capital (leverage) ratio | 95.4926% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $124,258,667 | 3,633 |
| Average earning assets | $101,533,667 | 3,761 |
| Average equity | $116,895,000 | 836 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2383% | 2,957 |
| Cost of funding earning assets | 0.1388% | 4,477 |
| Net interest margin | 4.0996% | 1,098 |
| Noninterest income to average assets | 11.4300% | 90 |
| Noninterest expense to average assets | 7.4480% | 143 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 4.2384% | 93 |
| Return on assets (ROA) | 4.2384% | 91 |
| Pretax return on assets | 7.3409% | 62 |
| Return on Equity (ROE) | 4.5000% | 3,957 |
| Retained earnings to average equity (ytd only) | 4.5018% | 3,128 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 50.3621% | 3,907 |
| Assets per employee ($millions) | 15.4538% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| 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 | 2.4300% | 4,623 |
| Equity capital to assets | 94.3921% | 22 |
| Core capital (leverage) ratio | 94.7885% | 29 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $123,254,000 | 3,693 |
| Average earning assets | $100,888,500 | 3,815 |
| Average equity | $116,043,500 | 849 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7392% | 4,636 |
| Cost of funding earning assets | 0.0567% | 4,560 |
| Net interest margin | 1.6825% | 4,610 |
| Noninterest income to average assets | 10.6400% | 96 |
| Noninterest expense to average assets | 7.7491% | 138 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 3.2399% | 98 |
| Return on assets (ROA) | 3.2399% | 97 |
| Pretax return on assets | 4.2969% | 84 |
| Return on Equity (ROE) | 3.4400% | 4,243 |
| Retained earnings to average equity (ytd only) | 3.4386% | 3,581 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.3469% | 2,453 |
| Assets per employee ($millions) | 15.3598% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| 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 | 2.4400% | 4,656 |
| Equity capital to assets | 93.9062% | 24 |
| Core capital (leverage) ratio | 95.2754% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $120,156,200 | 3,727 |
| Average earning assets | $100,503,800 | 3,834 |
| Average equity | $113,213,600 | 859 |
| Average total loans | $135,400 | 4,636 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0025% | 4,704 |
| Cost of funding earning assets | 0.0358% | 4,628 |
| Net interest margin | 0.9667% | 4,697 |
| Noninterest income to average assets | 10.6900% | 98 |
| Noninterest expense to average assets | 7.8418% | 135 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.6192% | 137 |
| Return on assets (ROA) | 2.6192% | 133 |
| Pretax return on assets | 3.6670% | 101 |
| Return on Equity (ROE) | 2.7800% | 4,328 |
| Retained earnings to average equity (ytd only) | 2.7774% | 3,840 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 68.1637% | 1,994 |
| Assets per employee ($millions) | 17.2564% | 143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| 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 | 2.4800% | 4,699 |
| Equity capital to assets | 94.2456% | 25 |
| Core capital (leverage) ratio | 95.2494% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $119,475,750 | 3,761 |
| Average earning assets | $100,541,250 | 3,860 |
| Average equity | $112,669,500 | 881 |
| Average total loans | $169,250 | 4,678 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5132% | 4,761 |
| Cost of funding earning assets | 0.0178% | 4,724 |
| Net interest margin | 0.4954% | 4,757 |
| Noninterest income to average assets | 11.5041% | 53 |
| Noninterest expense to average assets | 8.2496% | 89 |
| Loan and lease loss provision to assets | -0.0067% | 4,387 |
| Net operating income to assets | 2.5673% | 103 |
| Return on assets (ROA) | 2.5673% | 99 |
| Pretax return on assets | 3.6812% | 65 |
| Return on Equity (ROE) | 2.7218% | 4,258 |
| Retained earnings to average equity (ytd only) | 2.7218% | 3,537 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1842% | 2,079 |
| Assets per employee ($millions) | 19.9638% | 101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 2.5045% | 4,761 |
| Equity capital to assets | 94.3581% | 8 |
| Core capital (leverage) ratio | 95.2913% | 14 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $119,036,000 | 3,808 |
| Average earning assets | $100,934,000 | 3,906 |
| Average equity | $112,278,000 | 887 |
| Average total loans | $225,667 | 4,739 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1765% | 4,791 |
| Cost of funding earning assets | 0.0078% | 4,761 |
| Net interest margin | 0.1687% | 4,789 |
| Noninterest income to average assets | 13.3926% | 47 |
| Noninterest expense to average assets | 9.3745% | 75 |
| Loan and lease loss provision to assets | -0.0135% | 4,428 |
| Net operating income to assets | 2.7507% | 94 |
| Return on assets (ROA) | 2.7507% | 91 |
| Pretax return on assets | 4.1766% | 58 |
| Return on Equity (ROE) | 2.9168% | 4,110 |
| Retained earnings to average equity (ytd only) | 2.9168% | 3,294 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2480% | 2,334 |
| Assets per employee ($millions) | 14.9308% | 206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 2.5116% | 4,789 |
| Equity capital to assets | 94.0283% | 7 |
| Core capital (leverage) ratio | 95.7085% | 9 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $118,662,500 | 3,831 |
| Average earning assets | $101,968,000 | 3,915 |
| Average equity | $111,904,500 | 917 |
| Average total loans | $338,500 | 4,767 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1634% | 4,828 |
| Cost of funding earning assets | 0.0098% | 4,801 |
| Net interest margin | 0.1536% | 4,825 |
| Noninterest income to average assets | 11.1485% | 59 |
| Noninterest expense to average assets | 9.4664% | 77 |
| Loan and lease loss provision to assets | -0.0174% | 4,208 |
| Net operating income to assets | 1.3225% | 1,546 |
| Return on assets (ROA) | 1.3225% | 1,584 |
| Pretax return on assets | 1.8296% | 856 |
| Return on Equity (ROE) | 1.4380% | 4,563 |
| Retained earnings to average equity (ytd only) | 1.4380% | 4,139 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9321% | 575 |
| Assets per employee ($millions) | 14.7349% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5908% | 4,547 |
| 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 | 0.0000% | 4,145 |
| Net loans and leases to total assets | 0.5709% | 4,808 |
| Net loans and leases to deposits | 22.4333% | 4,722 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.5450% | 4,832 |
| Equity capital to assets | 94.5851% | 4 |
| Core capital (leverage) ratio | 95.5366% | 5 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $120,679,600 | 3,790 |
| Average earning assets | $102,220,000 | 3,886 |
| Average equity | $110,988,400 | 938 |
| Average total loans | $689,800 | 4,810 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1526% | 4,907 |
| Cost of funding earning assets | 0.0117% | 4,875 |
| Net interest margin | 0.1409% | 4,902 |
| Noninterest income to average assets | 10.9768% | 62 |
| Noninterest expense to average assets | 9.2336% | 84 |
| Loan and lease loss provision to assets | -0.0264% | 4,378 |
| Net operating income to assets | 1.4049% | 1,526 |
| Return on assets (ROA) | 1.4049% | 1,582 |
| Pretax return on assets | 1.8882% | 972 |
| Return on Equity (ROE) | 1.5382% | 4,646 |
| Retained earnings to average equity (ytd only) | 1.5382% | 4,306 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2195% | 564 |
| Assets per employee ($millions) | 14.7366% | 217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1464% | 4,845 |
| 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 | 0.0000% | 4,237 |
| Net loans and leases to total assets | 0.5785% | 4,878 |
| Net loans and leases to deposits | 22.7333% | 4,803 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.5447% | 4,907 |
| Equity capital to assets | 94.3050% | 8 |
| Core capital (leverage) ratio | 95.3115% | 10 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $121,379,750 | 3,828 |
| Average earning assets | $102,204,000 | 3,929 |
| Average equity | $110,861,500 | 947 |
| Average total loans | $693,000 | 4,881 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1272% | 4,947 |
| Cost of funding earning assets | 0.0157% | 4,905 |
| Net interest margin | 0.1116% | 4,944 |
| Noninterest income to average assets | 11.5258% | 58 |
| Noninterest expense to average assets | 9.2115% | 82 |
| Loan and lease loss provision to assets | -0.0375% | 4,485 |
| Net operating income to assets | 1.8182% | 690 |
| Return on assets (ROA) | 1.8182% | 725 |
| Pretax return on assets | 2.4449% | 387 |
| Return on Equity (ROE) | 2.0116% | 4,592 |
| Retained earnings to average equity (ytd only) | 2.0116% | 4,110 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2808% | 828 |
| Assets per employee ($millions) | 19.6847% | 98 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2894% | 4,854 |
| 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 | 0.0000% | 4,280 |
| Net loans and leases to total assets | 0.5834% | 4,918 |
| Net loans and leases to deposits | 22.9667% | 4,839 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.5400% | 4,943 |
| Equity capital to assets | 93.9953% | 7 |
| Core capital (leverage) ratio | 93.1077% | 15 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $122,542,000 | 3,825 |
| Average earning assets | $102,188,000 | 3,951 |
| Average equity | $110,755,667 | 936 |
| Average total loans | $696,333 | 4,920 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1292% | 4,973 |
| Cost of funding earning assets | 0.0196% | 4,931 |
| Net interest margin | 0.1096% | 4,969 |
| Noninterest income to average assets | 13.2544% | 54 |
| Noninterest expense to average assets | 7.1177% | 105 |
| Loan and lease loss provision to assets | -0.0417% | 4,635 |
| Net operating income to assets | 4.6650% | 63 |
| Return on assets (ROA) | 4.6650% | 64 |
| Pretax return on assets | 6.2681% | 57 |
| Return on Equity (ROE) | 5.2610% | 4,041 |
| Retained earnings to average equity (ytd only) | 5.2610% | 3,143 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3397% | 3,871 |
| Assets per employee ($millions) | 17.9186% | 129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7266% | 987 |
| 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 | 0.0000% | 4,341 |
| Net loans and leases to total assets | 0.5445% | 4,945 |
| Net loans and leases to deposits | 6.8300% | 4,937 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.9726% | 4,965 |
| Equity capital to assets | 88.7794% | 12 |
| Core capital (leverage) ratio | 87.0840% | 18 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $124,759,000 | 3,806 |
| Average earning assets | $102,173,500 | 3,955 |
| Average equity | $110,625,500 | 923 |
| Average total loans | $699,000 | 4,946 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5609% | 4,983 |
| Cost of funding earning assets | 0.0422% | 4,948 |
| Net interest margin | 0.5187% | 4,981 |
| Noninterest income to average assets | 6.4140% | 93 |
| Noninterest expense to average assets | 4.6021% | 238 |
| Loan and lease loss provision to assets | -0.1571% | 4,972 |
| Net operating income to assets | 1.5984% | 642 |
| Return on assets (ROA) | 1.5033% | 878 |
| Pretax return on assets | 2.3263% | 244 |
| Return on Equity (ROE) | 1.6065% | 4,609 |
| Retained earnings to average equity (ytd only) | -81.4179% | 4,997 |
| Net charge-offs to loans | -14.4108% | 4,964 |
| Credit loss provision to net charge-offs | 107.3746% | 2,748 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7773% | 2,394 |
| Assets per employee ($millions) | 13.7876% | 225 |
| Cash dividends to net income (ytd only)* | 5,167.9587% | 3 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5562% | 88 |
| 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 | 0.0000% | 4,420 |
| Net loans and leases to total assets | 0.5464% | 4,969 |
| Net loans and leases to deposits | 6.7800% | 4,962 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 8.0588% | 4,988 |
| Equity capital to assets | 88.5621% | 14 |
| Core capital (leverage) ratio | 89.6890% | 13 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $231,696,400 | 2,704 |
| Average earning assets | $213,421,000 | 2,719 |
| Average equity | $216,803,800 | 475 |
| Average total loans | $2,352,400 | 4,966 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6384% | 5,023 |
| Cost of funding earning assets | 0.0459% | 4,989 |
| Net interest margin | 0.5925% | 5,021 |
| Noninterest income to average assets | 5.4338% | 105 |
| Noninterest expense to average assets | 3.7958% | 458 |
| Loan and lease loss provision to assets | -0.1984% | 5,010 |
| Net operating income to assets | 1.7819% | 471 |
| Return on assets (ROA) | 1.7819% | 524 |
| Pretax return on assets | 2.3892% | 247 |
| Return on Equity (ROE) | 1.8921% | 4,566 |
| Retained earnings to average equity (ytd only) | -96.6555% | 5,028 |
| Net charge-offs to loans | -16.3483% | 4,996 |
| Credit loss provision to net charge-offs | 113.5693% | 2,525 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4054% | 2,845 |
| Assets per employee ($millions) | 10.3512% | 450 |
| Cash dividends to net income (ytd only)* | 5,208.3333% | 2 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5666% | 4,767 |
| 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 | 0.0000% | 4,475 |
| Net loans and leases to total assets | 0.5652% | 5,001 |
| Net loans and leases to deposits | 7.0200% | 4,993 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 8.0506% | 5,020 |
| Equity capital to assets | 88.5126% | 12 |
| Core capital (leverage) ratio | 54.2970% | 28 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $258,598,500 | 2,509 |
| Average earning assets | $241,236,500 | 2,507 |
| Average equity | $243,531,000 | 416 |
| Average total loans | $2,764,750 | 4,997 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7624% | 5,059 |
| Cost of funding earning assets | 0.0530% | 5,023 |
| Net interest margin | 0.7094% | 5,056 |
| Noninterest income to average assets | 5.1029% | 103 |
| Noninterest expense to average assets | 3.4648% | 778 |
| Loan and lease loss provision to assets | -0.1839% | 5,038 |
| Net operating income to assets | 1.8590% | 444 |
| Return on assets (ROA) | 1.8590% | 488 |
| Pretax return on assets | 2.4931% | 215 |
| Return on Equity (ROE) | 1.9579% | 4,543 |
| Retained earnings to average equity (ytd only) | 1.9579% | 3,775 |
| Net charge-offs to loans | -19.6465% | 5,029 |
| Credit loss provision to net charge-offs | 82.3009% | 2,494 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0069% | 3,411 |
| Assets per employee ($millions) | 15.9832% | 142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2439% | 112 |
| 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 | 0.0000% | 4,537 |
| Net loans and leases to total assets | 1.0804% | 5,033 |
| Net loans and leases to deposits | 32.8100% | 4,908 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.2929% | 5,057 |
| Equity capital to assets | 95.2733% | 6 |
| Core capital (leverage) ratio | 95.7485% | 8 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,393,333 | 2,235 |
| Average earning assets | $286,984,667 | 2,211 |
| Average equity | $288,059,667 | 371 |
| Average total loans | $3,451,000 | 5,029 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3579% | 5,109 |
| Cost of funding earning assets | 0.0627% | 5,071 |
| Net interest margin | 1.2953% | 5,089 |
| Noninterest income to average assets | 5.7418% | 86 |
| Noninterest expense to average assets | 3.7606% | 653 |
| Loan and lease loss provision to assets | -0.0712% | 5,065 |
| Net operating income to assets | 2.4429% | 119 |
| Return on assets (ROA) | 2.4429% | 129 |
| Pretax return on assets | 3.2791% | 65 |
| Return on Equity (ROE) | 2.5774% | 4,321 |
| Retained earnings to average equity (ytd only) | 2.5774% | 3,239 |
| Net charge-offs to loans | -22.9819% | 5,076 |
| Credit loss provision to net charge-offs | 27.0000% | 2,169 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9655% | 4,399 |
| Assets per employee ($millions) | 15.9079% | 115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.6533% | 30 |
| Loan loss allowance to noncurrent loans | 408.3333% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.0159% | 4,562 |
| Noncurrent loans to loans | 1.3845% | 1,159 |
| Net loans and leases to total assets | 1.0822% | 5,080 |
| Net loans and leases to deposits | 32.7100% | 4,948 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.3085% | 5,105 |
| Equity capital to assets | 95.4078% | 9 |
| Core capital (leverage) ratio | 95.0302% | 14 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $303,250,000 | 2,193 |
| Average earning assets | $287,201,000 | 2,148 |
| Average equity | $287,426,500 | 371 |
| Average total loans | $3,481,000 | 5,075 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1655% | 5,008 |
| Cost of funding earning assets | 0.0872% | 5,118 |
| Net interest margin | 3.0783% | 4,400 |
| Noninterest income to average assets | 5.4955% | 91 |
| Noninterest expense to average assets | 3.7752% | 695 |
| Loan and lease loss provision to assets | 0.0768% | 2,454 |
| Net operating income to assets | 2.9185% | 86 |
| Return on assets (ROA) | 2.9185% | 88 |
| Pretax return on assets | 4.5519% | 58 |
| Return on Equity (ROE) | 3.0974% | 4,649 |
| Retained earnings to average equity (ytd only) | -0.3572% | 4,749 |
| Net charge-offs to loans | 0.1594% | 1,264 |
| Credit loss provision to net charge-offs | 94.4000% | 2,600 |
| Earnings coverage of net charge-offs (x) | 56.8800% | 1,020 |
| Efficiency ratio | 44.9221% | 4,947 |
| Assets per employee ($millions) | 15.2125% | 117 |
| Cash dividends to net income (ytd only)* | 111.5325% | 217 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6023% | 970 |
| Loan loss allowance to noncurrent loans | 116.6667% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 4,579 |
| Noncurrent loans to loans | 1.3734% | 1,083 |
| Net loans and leases to total assets | 1.1303% | 5,144 |
| Net loans and leases to deposits | 32.9091% | 5,009 |
| Net loans and leases to core deposits | 764.2222% | 8 |
| Total domestic deposits to total assets | 3.4347% | 5,165 |
| Equity capital to assets | 94.1604% | 10 |
| Core capital (leverage) ratio | 92.7558% | 13 |
| Tier 1 risk-based capital ratio | 2,630.6887% | 2 |
| Total risk-based capital ratio | 2,631.2121% | 2 |
| Memoranda: | ||
| Average total assets | $307,213,600 | 2,124 |
| Average earning assets | $290,254,400 | 2,088 |
| Average equity | $289,471,800 | 353 |
| Average total loans | $156,806,600 | 2,550 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3676% | 5,039 |
| Cost of funding earning assets | 0.0921% | 5,191 |
| Net interest margin | 3.2754% | 4,137 |
| Noninterest income to average assets | 5.4418% | 90 |
| Noninterest expense to average assets | 4.0633% | 494 |
| Loan and lease loss provision to assets | 0.0706% | 2,465 |
| Net operating income to assets | 2.9900% | 87 |
| Return on assets (ROA) | 2.9900% | 91 |
| Pretax return on assets | 4.4018% | 56 |
| Return on Equity (ROE) | 3.1727% | 4,741 |
| Retained earnings to average equity (ytd only) | 3.1727% | 3,823 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.6033% | 4,873 |
| Assets per employee ($millions) | 15.5279% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1198% | 5,178 |
| Loan loss allowance to noncurrent loans | 485.4167% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.0155% | 4,676 |
| Noncurrent loans to loans | 0.0247% | 4,567 |
| Net loans and leases to total assets | 62.5334% | 3,440 |
| Net loans and leases to deposits | 1,858.5702% | 2 |
| Net loans and leases to core deposits | 43,252.1158% | 3 |
| Total domestic deposits to total assets | 3.3646% | 5,246 |
| Equity capital to assets | 94.5839% | 8 |
| Core capital (leverage) ratio | 94.4501% | 12 |
| Tier 1 risk-based capital ratio | 146.3344% | 33 |
| Total risk-based capital ratio | 146.4505% | 33 |
| Memoranda: | ||
| Average total assets | $307,954,750 | 2,135 |
| Average earning assets | $290,884,250 | 2,095 |
| Average equity | $290,219,250 | 353 |
| Average total loans | $195,134,500 | 2,221 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3997% | 5,081 |
| Cost of funding earning assets | 0.0951% | 5,231 |
| Net interest margin | 3.3046% | 4,134 |
| Noninterest income to average assets | 5.4655% | 89 |
| Noninterest expense to average assets | 4.0510% | 500 |
| Loan and lease loss provision to assets | -0.0013% | 5,084 |
| Net operating income to assets | 2.8975% | 96 |
| Return on assets (ROA) | 2.8975% | 100 |
| Pretax return on assets | 4.5401% | 51 |
| Return on Equity (ROE) | 3.0784% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.0784% | 3,679 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1605% | 4,933 |
| Assets per employee ($millions) | 15.5491% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0349% | 5,246 |
| Loan loss allowance to noncurrent loans | 141.6667% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 0.0154% | 4,715 |
| Noncurrent loans to loans | 0.0246% | 4,600 |
| Net loans and leases to total assets | 62.6861% | 3,477 |
| Net loans and leases to deposits | 1,854.8240% | 2 |
| Net loans and leases to core deposits | 38,223.9216% | 3 |
| Total domestic deposits to total assets | 3.3796% | 5,292 |
| Equity capital to assets | 93.6617% | 7 |
| Core capital (leverage) ratio | 94.1695% | 12 |
| Tier 1 risk-based capital ratio | 145.7604% | 31 |
| Total risk-based capital ratio | 145.7954% | 31 |
| Memoranda: | ||
| Average total assets | $307,087,330 | 2,140 |
| Average earning assets | $290,321,000 | 2,099 |
| Average equity | $289,046,670 | 356 |
| Average total loans | $195,367,670 | 2,229 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4078% | 5,106 |
| Cost of funding earning assets | 0.0956% | 5,289 |
| Net interest margin | 3.3122% | 4,135 |
| Noninterest income to average assets | 5.8399% | 84 |
| Noninterest expense to average assets | 4.1712% | 423 |
| Loan and lease loss provision to assets | 0.0026% | 3,383 |
| Net operating income to assets | 3.6390% | 62 |
| Return on assets (ROA) | 3.6390% | 65 |
| Pretax return on assets | 4.7991% | 54 |
| Return on Equity (ROE) | 3.8564% | 4,607 |
| Retained earnings to average equity (ytd only) | 3.8564% | 3,376 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4865% | 5,007 |
| Assets per employee ($millions) | 17.0717% | 75 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0368% | 5,308 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 0.0156% | 4,788 |
| Noncurrent loans to loans | 0.0246% | 4,672 |
| Net loans and leases to total assets | 63.5739% | 3,337 |
| Net loans and leases to deposits | 1,828.6717% | 2 |
| Net loans and leases to core deposits | 28,602.7818% | 4 |
| Total domestic deposits to total assets | 3.4765% | 5,349 |
| Equity capital to assets | 94.1538% | 6 |
| Core capital (leverage) ratio | 96.8773% | 9 |
| Tier 1 risk-based capital ratio | 144.5979% | 32 |
| Total risk-based capital ratio | 144.6339% | 32 |
| Memoranda: | ||
| Average total assets | $305,140,500 | 2,170 |
| Average earning assets | $288,628,500 | 2,121 |
| Average equity | $287,935,000 | 357 |
| Average total loans | $195,546,500 | 2,241 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9928% | 5,235 |
| Cost of funding earning assets | 0.0773% | 5,332 |
| Net interest margin | 2.9155% | 4,898 |
| Noninterest income to average assets | 6.0694% | 85 |
| Noninterest expense to average assets | 3.6895% | 787 |
| Loan and lease loss provision to assets | 0.0335% | 3,522 |
| Net operating income to assets | 3.7123% | 53 |
| Return on assets (ROA) | 3.7123% | 53 |
| Pretax return on assets | 5.1174% | 43 |
| Return on Equity (ROE) | 3.9533% | 4,722 |
| Retained earnings to average equity (ytd only) | 0.4919% | 4,855 |
| Net charge-offs to loans | 0.0373% | 2,657 |
| Credit loss provision to net charge-offs | 130.3797% | 2,026 |
| Earnings coverage of net charge-offs (x) | 200.5949% | 455 |
| Efficiency ratio | 41.7347% | 5,250 |
| Assets per employee ($millions) | 16.8328% | 79 |
| Cash dividends to net income (ytd only)* | 87.5580% | 498 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0358% | 5,354 |
| Loan loss allowance to noncurrent loans | 145.8333% | 2,763 |
| Noncurrent assets plus other real estate owned to assets | 0.0158% | 4,812 |
| Noncurrent loans to loans | 0.0245% | 4,667 |
| Net loans and leases to total assets | 64.5546% | 3,290 |
| Net loans and leases to deposits | 1,799.2273% | 2 |
| Net loans and leases to core deposits | 22,456.2572% | 5 |
| Total domestic deposits to total assets | 3.5879% | 5,392 |
| Equity capital to assets | 94.5721% | 9 |
| Core capital (leverage) ratio | 93.1575% | 15 |
| Tier 1 risk-based capital ratio | 143.9753% | 34 |
| Total risk-based capital ratio | 144.0105% | 34 |
| Memoranda: | ||
| Average total assets | $307,657,000 | 2,105 |
| Average earning assets | $292,406,200 | 2,061 |
| Average equity | $288,895,800 | 349 |
| Average total loans | $212,044,200 | 2,082 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8902% | 5,330 |
| Cost of funding earning assets | 0.0731% | 5,400 |
| Net interest margin | 2.8171% | 5,071 |
| Noninterest income to average assets | 5.7844% | 88 |
| Noninterest expense to average assets | 3.5467% | 923 |
| Loan and lease loss provision to assets | 0.0043% | 3,885 |
| Net operating income to assets | 3.7867% | 54 |
| Return on assets (ROA) | 3.7867% | 54 |
| Pretax return on assets | 4.9136% | 47 |
| Return on Equity (ROE) | 4.0397% | 4,810 |
| Retained earnings to average equity (ytd only) | 4.0397% | 3,749 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9004% | 5,272 |
| Assets per employee ($millions) | 15.4173% | 94 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0286% | 5,428 |
| 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 | 0.0000% | 4,954 |
| Net loans and leases to total assets | 63.5867% | 3,476 |
| Net loans and leases to deposits | 1,805.0727% | 2 |
| Net loans and leases to core deposits | 22,745.5916% | 5 |
| Total domestic deposits to total assets | 3.5227% | 5,465 |
| Equity capital to assets | 95.3046% | 8 |
| Core capital (leverage) ratio | 95.8335% | 12 |
| Tier 1 risk-based capital ratio | 147.7655% | 33 |
| Total risk-based capital ratio | 147.7937% | 33 |
| Memoranda: | ||
| Average total assets | $308,823,750 | 2,109 |
| Average earning assets | $293,815,750 | 2,067 |
| Average equity | $289,483,750 | 347 |
| Average total loans | $216,139,250 | 2,059 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7963% | 5,405 |
| Cost of funding earning assets | 0.0673% | 5,461 |
| Net interest margin | 2.7290% | 5,193 |
| Noninterest income to average assets | 5.9447% | 86 |
| Noninterest expense to average assets | 3.7076% | 747 |
| Loan and lease loss provision to assets | 0.0045% | 3,732 |
| Net operating income to assets | 3.6792% | 52 |
| Return on assets (ROA) | 3.6792% | 52 |
| Pretax return on assets | 4.8300% | 45 |
| Return on Equity (ROE) | 3.9469% | 4,838 |
| Retained earnings to average equity (ytd only) | 3.9469% | 3,630 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4038% | 5,302 |
| Assets per employee ($millions) | 13.8356% | 122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0271% | 5,489 |
| 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 | 0.0000% | 4,980 |
| Net loans and leases to total assets | 64.3220% | 3,363 |
| Net loans and leases to deposits | 1,818.3895% | 2 |
| Net loans and leases to core deposits | 25,526.2060% | 5 |
| Total domestic deposits to total assets | 3.5373% | 5,529 |
| Equity capital to assets | 95.5366% | 8 |
| Core capital (leverage) ratio | 96.0344% | 11 |
| Tier 1 risk-based capital ratio | 147.9169% | 35 |
| Total risk-based capital ratio | 147.9454% | 35 |
| Memoranda: | ||
| Average total assets | $308,983,000 | 2,126 |
| Average earning assets | $294,100,670 | 2,076 |
| Average equity | $288,022,330 | 348 |
| Average total loans | $222,811,330 | 2,009 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5799% | 5,519 |
| Cost of funding earning assets | 0.0606% | 5,536 |
| Net interest margin | 2.5193% | 5,380 |
| Noninterest income to average assets | 6.2541% | 81 |
| Noninterest expense to average assets | 3.6096% | 861 |
| Loan and lease loss provision to assets | 0.0013% | 3,499 |
| Net operating income to assets | 3.8473% | 51 |
| Return on assets (ROA) | 3.8473% | 51 |
| Pretax return on assets | 5.0462% | 45 |
| Return on Equity (ROE) | 4.1781% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.1781% | 3,518 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.6951% | 5,409 |
| Assets per employee ($millions) | 12.2625% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0199% | 5,555 |
| 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 | 0.0000% | 5,035 |
| Net loans and leases to total assets | 77.0595% | 1,381 |
| Net loans and leases to deposits | 2,111.6921% | 2 |
| Net loans and leases to core deposits | 19,901.8534% | 5 |
| Total domestic deposits to total assets | 3.6492% | 5,593 |
| Equity capital to assets | 93.9826% | 7 |
| Core capital (leverage) ratio | 93.4407% | 13 |
| Tier 1 risk-based capital ratio | 122.0945% | 35 |
| Total risk-based capital ratio | 122.1153% | 35 |
| Memoranda: | ||
| Average total assets | $311,282,500 | 2,138 |
| Average earning assets | $296,909,500 | 2,082 |
| Average equity | $286,634,500 | 349 |
| Average total loans | $236,297,500 | 1,919 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1481% | 5,602 |
| Cost of funding earning assets | 0.0530% | 5,610 |
| Net interest margin | 2.0951% | 5,557 |
| Noninterest income to average assets | 6.3535% | 86 |
| Noninterest expense to average assets | 3.4923% | 1,053 |
| Loan and lease loss provision to assets | 0.0016% | 4,209 |
| Net operating income to assets | 2.7086% | 95 |
| Return on assets (ROA) | 2.7086% | 93 |
| Pretax return on assets | 4.8426% | 50 |
| Return on Equity (ROE) | 2.9354% | 4,845 |
| Retained earnings to average equity (ytd only) | -0.5298% | 5,122 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.8917% | 5,496 |
| Assets per employee ($millions) | 12.6401% | 154 |
| Cash dividends to net income (ytd only)* | 118.0498% | 228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0195% | 5,616 |
| 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 | 0.0000% | 5,081 |
| Net loans and leases to total assets | 74.7673% | 1,799 |
| Net loans and leases to deposits | 1,464.6767% | 2 |
| Net loans and leases to core deposits | 3,853.6454% | 8 |
| Total domestic deposits to total assets | 5.1047% | 5,657 |
| Equity capital to assets | 90.2378% | 13 |
| Core capital (leverage) ratio | 91.0787% | 13 |
| Tier 1 risk-based capital ratio | 120.6083% | 33 |
| Total risk-based capital ratio | 120.6294% | 33 |
| Memoranda: | ||
| Average total assets | $312,743,200 | 2,101 |
| Average earning assets | $296,029,600 | 2,062 |
| Average equity | $288,583,800 | 337 |
| Average total loans | $240,107,400 | 1,874 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1022% | 5,672 |
| Cost of funding earning assets | 0.0530% | 5,675 |
| Net interest margin | 2.0492% | 5,635 |
| Noninterest income to average assets | 6.2620% | 92 |
| Noninterest expense to average assets | 3.7422% | 728 |
| Loan and lease loss provision to assets | 0.0060% | 4,003 |
| Net operating income to assets | 2.7809% | 99 |
| Return on assets (ROA) | 2.7809% | 100 |
| Pretax return on assets | 4.4475% | 61 |
| Return on Equity (ROE) | 2.9970% | 5,113 |
| Retained earnings to average equity (ytd only) | 2.9970% | 4,130 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6608% | 5,432 |
| Assets per employee ($millions) | 11.6476% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0228% | 5,683 |
| 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 | 0.0000% | 5,172 |
| Net loans and leases to total assets | 76.6263% | 1,478 |
| Net loans and leases to deposits | 1,497.0429% | 2 |
| Net loans and leases to core deposits | 3,952.4192% | 8 |
| Total domestic deposits to total assets | 5.1185% | 5,722 |
| Equity capital to assets | 93.0572% | 9 |
| Core capital (leverage) ratio | 93.8926% | 11 |
| Tier 1 risk-based capital ratio | 119.1403% | 35 |
| Total risk-based capital ratio | 119.1644% | 35 |
| Memoranda: | ||
| Average total assets | $311,928,250 | 2,119 |
| Average earning assets | $294,346,000 | 2,086 |
| Average equity | $289,441,250 | 337 |
| Average total loans | $241,056,000 | 1,885 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0072% | 5,729 |
| Cost of funding earning assets | 0.0539% | 5,714 |
| Net interest margin | 1.9533% | 5,702 |
| Noninterest income to average assets | 6.1792% | 94 |
| Noninterest expense to average assets | 3.6171% | 849 |
| Loan and lease loss provision to assets | 0.0096% | 3,741 |
| Net operating income to assets | 2.7736% | 95 |
| Return on assets (ROA) | 2.7736% | 97 |
| Pretax return on assets | 4.3938% | 66 |
| Return on Equity (ROE) | 2.9920% | 5,123 |
| Retained earnings to average equity (ytd only) | 2.9920% | 3,936 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0982% | 5,489 |
| Assets per employee ($millions) | 10.7218% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0232% | 5,727 |
| 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 | 0.0000% | 5,209 |
| Net loans and leases to total assets | 77.4960% | 1,316 |
| Net loans and leases to deposits | 1,447.4620% | 2 |
| Net loans and leases to core deposits | 3,625.0790% | 9 |
| Total domestic deposits to total assets | 5.3539% | 5,776 |
| Equity capital to assets | 93.4153% | 7 |
| Core capital (leverage) ratio | 93.6238% | 13 |
| Tier 1 risk-based capital ratio | 117.8531% | 34 |
| Total risk-based capital ratio | 117.8771% | 34 |
| Memoranda: | ||
| Average total assets | $311,075,670 | 2,124 |
| Average earning assets | $293,242,330 | 2,100 |
| Average equity | $288,371,000 | 339 |
| Average total loans | $241,063,330 | 1,878 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9244% | 5,804 |
| Cost of funding earning assets | 0.0574% | 5,770 |
| Net interest margin | 1.8671% | 5,777 |
| Noninterest income to average assets | 7.0397% | 87 |
| Noninterest expense to average assets | 3.9660% | 562 |
| Loan and lease loss provision to assets | 0.0103% | 3,425 |
| Net operating income to assets | 3.0275% | 93 |
| Return on assets (ROA) | 3.0275% | 95 |
| Pretax return on assets | 4.8209% | 62 |
| Return on Equity (ROE) | 3.2785% | 5,028 |
| Retained earnings to average equity (ytd only) | 3.2785% | 3,796 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0826% | 5,563 |
| Assets per employee ($millions) | 10.1608% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0207% | 5,802 |
| 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 | 0.0000% | 5,285 |
| Net loans and leases to total assets | 76.5186% | 1,326 |
| Net loans and leases to deposits | 1,426.7626% | 3 |
| Net loans and leases to core deposits | 3,496.6343% | 10 |
| Total domestic deposits to total assets | 5.3631% | 5,842 |
| Equity capital to assets | 91.5926% | 11 |
| Core capital (leverage) ratio | 93.4316% | 12 |
| Tier 1 risk-based capital ratio | 116.5593% | 35 |
| Total risk-based capital ratio | 116.5807% | 35 |
| Memoranda: | ||
| Average total assets | $311,148,000 | 2,146 |
| Average earning assets | $292,865,500 | 2,117 |
| Average equity | $287,328,000 | 340 |
| Average total loans | $241,087,500 | 1,888 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6305% | 5,863 |
| Cost of funding earning assets | 0.0260% | 5,867 |
| Net interest margin | 1.6045% | 5,845 |
| Noninterest income to average assets | 7.2592% | 82 |
| Noninterest expense to average assets | 3.5113% | 1,146 |
| Loan and lease loss provision to assets | 0.0016% | 4,314 |
| Net operating income to assets | 3.2981% | 70 |
| Return on assets (ROA) | 3.2981% | 69 |
| Pretax return on assets | 5.2498% | 46 |
| Return on Equity (ROE) | 3.4902% | 5,011 |
| Retained earnings to average equity (ytd only) | -5.5928% | 5,697 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0712% | 5,780 |
| Assets per employee ($millions) | 9.6034% | 351 |
| Cash dividends to net income (ytd only)* | 260.2442% | 51 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0174% | 5,856 |
| 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 | 0.0000% | 5,326 |
| Net loans and leases to total assets | 78.4420% | 1,135 |
| Net loans and leases to deposits | 2,008.3313% | 3 |
| Net loans and leases to core deposits | 12,034.9476% | 8 |
| Total domestic deposits to total assets | 3.9058% | 5,900 |
| Equity capital to assets | 93.1151% | 8 |
| Core capital (leverage) ratio | 90.5831% | 14 |
| Tier 1 risk-based capital ratio | 113.8265% | 37 |
| Total risk-based capital ratio | 113.8452% | 37 |
| Memoranda: | ||
| Average total assets | $320,394,800 | 2,058 |
| Average earning assets | $300,212,800 | 2,042 |
| Average equity | $302,762,800 | 320 |
| Average total loans | $245,385,800 | 1,821 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5771% | 5,933 |
| Cost of funding earning assets | 0.0110% | 5,948 |
| Net interest margin | 1.5661% | 5,918 |
| Noninterest income to average assets | 7.2217% | 83 |
| Noninterest expense to average assets | 3.4908% | 1,168 |
| Loan and lease loss provision to assets | 0.0029% | 4,159 |
| Net operating income to assets | 3.0681% | 85 |
| Return on assets (ROA) | 3.0681% | 87 |
| Pretax return on assets | 5.1962% | 48 |
| Return on Equity (ROE) | 3.2356% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.2356% | 3,974 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.1707% | 5,828 |
| Assets per employee ($millions) | 10.2784% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0179% | 5,927 |
| 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 | 0.0000% | 5,428 |
| Net loans and leases to total assets | 73.0717% | 2,012 |
| Net loans and leases to deposits | 2,114.5522% | 2 |
| Net loans and leases to core deposits | 17,594.4363% | 6 |
| Total domestic deposits to total assets | 3.4557% | 5,969 |
| Equity capital to assets | 94.4267% | 7 |
| Core capital (leverage) ratio | 95.8400% | 9 |
| Tier 1 risk-based capital ratio | 125.0735% | 34 |
| Total risk-based capital ratio | 125.0920% | 35 |
| Memoranda: | ||
| Average total assets | $323,666,000 | 2,048 |
| Average earning assets | $303,422,000 | 2,026 |
| Average equity | $306,915,500 | 317 |
| Average total loans | $246,456,750 | 1,818 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5608% | 6,013 |
| Cost of funding earning assets | 0.0086% | 6,032 |
| Net interest margin | 1.5522% | 5,999 |
| Noninterest income to average assets | 7.6274% | 77 |
| Noninterest expense to average assets | 3.6332% | 961 |
| Loan and lease loss provision to assets | 0.0012% | 4,006 |
| Net operating income to assets | 3.2170% | 82 |
| Return on assets (ROA) | 3.2170% | 83 |
| Pretax return on assets | 5.4436% | 47 |
| Return on Equity (ROE) | 3.3877% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.3877% | 3,736 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0219% | 5,909 |
| Assets per employee ($millions) | 9.5636% | 325 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0158% | 6,003 |
| 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 | 0.0000% | 5,521 |
| Net loans and leases to total assets | 74.0000% | 1,842 |
| Net loans and leases to deposits | 2,519.3173% | 2 |
| Net loans and leases to core deposits | 5,287.1896% | 7 |
| Total domestic deposits to total assets | 2.9373% | 6,048 |
| Equity capital to assets | 94.8164% | 6 |
| Core capital (leverage) ratio | 95.9812% | 7 |
| Tier 1 risk-based capital ratio | 123.1463% | 36 |
| Total risk-based capital ratio | 123.1639% | 36 |
| Memoranda: | ||
| Average total assets | $321,918,000 | 2,068 |
| Average earning assets | $300,872,000 | 2,053 |
| Average equity | $305,694,330 | 315 |
| Average total loans | $248,481,330 | 1,804 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5343% | 6,081 |
| Cost of funding earning assets | 0.0067% | 6,093 |
| Net interest margin | 1.5276% | 6,066 |
| Noninterest income to average assets | 7.6267% | 80 |
| Noninterest expense to average assets | 3.8714% | 711 |
| Loan and lease loss provision to assets | -0.0012% | 5,855 |
| Net operating income to assets | 3.0459% | 92 |
| Return on assets (ROA) | 3.0459% | 92 |
| Pretax return on assets | 5.1827% | 53 |
| Return on Equity (ROE) | 3.2051% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.2051% | 3,899 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7645% | 5,899 |
| Assets per employee ($millions) | 9.2474% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0147% | 6,071 |
| 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 | 0.0000% | 5,543 |
| Net loans and leases to total assets | 75.6583% | 1,441 |
| Net loans and leases to deposits | 4,980.1505% | 1 |
| Net loans and leases to core deposits | 8,394.7206% | 8 |
| Total domestic deposits to total assets | 1.5192% | 6,117 |
| Equity capital to assets | 94.4064% | 8 |
| Core capital (leverage) ratio | 94.6256% | 9 |
| Tier 1 risk-based capital ratio | 119.9911% | 38 |
| Total risk-based capital ratio | 120.0076% | 38 |
| Memoranda: | ||
| Average total assets | $320,296,000 | 2,084 |
| Average earning assets | $299,033,000 | 2,067 |
| Average equity | $304,388,000 | 316 |
| Average total loans | $252,393,000 | 1,781 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3273% | 6,134 |
| Cost of funding earning assets | 0.0029% | 6,161 |
| Net interest margin | 1.3244% | 6,124 |
| Noninterest income to average assets | 7.7921% | 81 |
| Noninterest expense to average assets | 3.7693% | 896 |
| Loan and lease loss provision to assets | 0.0003% | 4,379 |
| Net operating income to assets | 3.0053% | 87 |
| Return on assets (ROA) | 3.0053% | 87 |
| Pretax return on assets | 5.2601% | 50 |
| Return on Equity (ROE) | 3.1799% | 5,245 |
| Retained earnings to average equity (ytd only) | -4.6802% | 5,904 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7435% | 6,031 |
| Assets per employee ($millions) | 9.3216% | 345 |
| Cash dividends to net income (ytd only)* | 247.1821% | 64 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0142% | 6,121 |
| 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 | 0.0000% | 5,583 |
| Net loans and leases to total assets | 81.9852% | 594 |
| Net loans and leases to deposits | 6,219.2197% | 1 |
| Net loans and leases to core deposits | 8,176.1800% | 8 |
| Total domestic deposits to total assets | 1.3183% | 6,175 |
| Equity capital to assets | 95.6735% | 5 |
| Core capital (leverage) ratio | 92.7220% | 8 |
| Tier 1 risk-based capital ratio | 112.7016% | 40 |
| Total risk-based capital ratio | 112.7176% | 40 |
| Memoranda: | ||
| Average total assets | $336,534,400 | 1,951 |
| Average earning assets | $314,476,000 | 1,931 |
| Average equity | $318,060,000 | 289 |
| Average total loans | $280,567,400 | 1,554 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2835% | 6,233 |
| Cost of funding earning assets | 0.0033% | 6,244 |
| Net interest margin | 1.2802% | 6,221 |
| Noninterest income to average assets | 7.5015% | 91 |
| Noninterest expense to average assets | 3.7332% | 925 |
| Loan and lease loss provision to assets | 0.0008% | 4,229 |
| Net operating income to assets | 2.7702% | 109 |
| Return on assets (ROA) | 2.7702% | 110 |
| Pretax return on assets | 4.9652% | 55 |
| Return on Equity (ROE) | 2.9395% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.9395% | 4,357 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9142% | 6,063 |
| Assets per employee ($millions) | 9.6265% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0135% | 6,206 |
| 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 | 0.0000% | 5,684 |
| Net loans and leases to total assets | 83.8128% | 397 |
| Net loans and leases to deposits | 7,192.7407% | 1 |
| Net loans and leases to core deposits | 9,650.9569% | 8 |
| Total domestic deposits to total assets | 1.1652% | 6,264 |
| Equity capital to assets | 96.5313% | 5 |
| Core capital (leverage) ratio | 97.1344% | 7 |
| Tier 1 risk-based capital ratio | 111.7101% | 41 |
| Total risk-based capital ratio | 111.7252% | 41 |
| Memoranda: | ||
| Average total assets | $341,434,500 | 1,926 |
| Average earning assets | $319,425,000 | 1,907 |
| Average equity | $321,769,500 | 293 |
| Average total loans | $285,740,250 | 1,531 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2556% | 6,309 |
| Cost of funding earning assets | 0.0037% | 6,321 |
| Net interest margin | 1.2519% | 6,298 |
| Noninterest income to average assets | 7.6906% | 93 |
| Noninterest expense to average assets | 3.8485% | 815 |
| Loan and lease loss provision to assets | 0.0023% | 4,035 |
| Net operating income to assets | 2.9842% | 92 |
| Return on assets (ROA) | 2.9842% | 93 |
| Pretax return on assets | 5.0085% | 59 |
| Return on Equity (ROE) | 3.1920% | 5,345 |
| Retained earnings to average equity (ytd only) | 3.1920% | 4,017 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4402% | 6,135 |
| Assets per employee ($millions) | 9.6657% | 294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0142% | 6,285 |
| 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 | 0.0000% | 5,787 |
| Net loans and leases to total assets | 83.5004% | 414 |
| Net loans and leases to deposits | 7,252.4262% | 3 |
| Net loans and leases to core deposits | 9,757.5820% | 10 |
| Total domestic deposits to total assets | 1.1513% | 6,340 |
| Equity capital to assets | 95.5510% | 4 |
| Core capital (leverage) ratio | 96.4827% | 6 |
| Tier 1 risk-based capital ratio | 110.7465% | 42 |
| Total risk-based capital ratio | 110.7615% | 42 |
| Memoranda: | ||
| Average total assets | $342,937,330 | 1,929 |
| Average earning assets | $320,156,000 | 1,917 |
| Average equity | $320,613,000 | 294 |
| Average total loans | $286,845,330 | 1,531 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2372% | 6,383 |
| Cost of funding earning assets | 0.0062% | 6,388 |
| Net interest margin | 1.2309% | 6,375 |
| Noninterest income to average assets | 7.2051% | 99 |
| Noninterest expense to average assets | 4.0051% | 691 |
| Loan and lease loss provision to assets | -0.0012% | 6,066 |
| Net operating income to assets | 2.6554% | 117 |
| Return on assets (ROA) | 2.6554% | 128 |
| Pretax return on assets | 4.3469% | 77 |
| Return on Equity (ROE) | 2.8713% | 5,425 |
| Retained earnings to average equity (ytd only) | 2.8713% | 4,243 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9606% | 6,023 |
| Assets per employee ($millions) | 9.2627% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0131% | 6,361 |
| 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 | 0.0000% | 5,830 |
| Net loans and leases to total assets | 79.8094% | 707 |
| Net loans and leases to deposits | 7,106.2750% | 3 |
| Net loans and leases to core deposits | 9,695.0820% | 8 |
| Total domestic deposits to total assets | 1.1231% | 6,414 |
| Equity capital to assets | 96.0993% | 4 |
| Core capital (leverage) ratio | 95.9890% | 6 |
| Tier 1 risk-based capital ratio | 114.7130% | 48 |
| Total risk-based capital ratio | 114.7284% | 50 |
| Memoranda: | ||
| Average total assets | $345,256,000 | 1,926 |
| Average earning assets | $321,380,500 | 1,914 |
| Average equity | $319,295,000 | 295 |
| Average total loans | $289,007,000 | 1,516 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2770% | 6,460 |
| Cost of funding earning assets | 0.0738% | 6,388 |
| Net interest margin | 1.2032% | 6,453 |
| Noninterest income to average assets | 6.1144% | 101 |
| Noninterest expense to average assets | 3.3213% | 1,871 |
| Loan and lease loss provision to assets | 0.0009% | 4,590 |
| Net operating income to assets | 2.4744% | 151 |
| Return on assets (ROA) | 2.4744% | 157 |
| Pretax return on assets | 3.9447% | 71 |
| Return on Equity (ROE) | 3.3706% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.3706% | 3,811 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7041% | 6,277 |
| Assets per employee ($millions) | 9.6501% | 281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0115% | 6,450 |
| 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 | 0.0000% | 5,950 |
| Net loans and leases to total assets | 87.3291% | 145 |
| Net loans and leases to deposits | 7,340.2307% | 3 |
| Net loans and leases to core deposits | 9,600.1539% | 8 |
| Total domestic deposits to total assets | 1.1897% | 6,502 |
| Equity capital to assets | 89.1011% | 13 |
| Core capital (leverage) ratio | 79.0897% | 25 |
| Tier 1 risk-based capital ratio | 98.8033% | 44 |
| Total risk-based capital ratio | 98.8160% | 45 |
| Memoranda: | ||
| Average total assets | $426,040,000 | 1,562 |
| Average earning assets | $408,071,000 | 1,500 |
| Average equity | $312,762,000 | 287 |
| Average total loans | $376,406,800 | 1,173 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2687% | 6,547 |
| Cost of funding earning assets | 0.0745% | 6,469 |
| Net interest margin | 1.1942% | 6,541 |
| Noninterest income to average assets | 5.8531% | 105 |
| Noninterest expense to average assets | 3.2538% | 2,019 |
| Loan and lease loss provision to assets | 0.0024% | 4,358 |
| Net operating income to assets | 2.3455% | 182 |
| Return on assets (ROA) | 2.3455% | 186 |
| Pretax return on assets | 3.7399% | 76 |
| Return on Equity (ROE) | 3.3386% | 5,411 |
| Retained earnings to average equity (ytd only) | 3.3386% | 4,238 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.5090% | 6,270 |
| Assets per employee ($millions) | 11.7618% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0103% | 6,531 |
| 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 | 0.0000% | 6,061 |
| Net loans and leases to total assets | 88.9261% | 80 |
| Net loans and leases to deposits | 9,655.5140% | 3 |
| Net loans and leases to core deposits | 12,865.4588% | 9 |
| Total domestic deposits to total assets | 0.9210% | 6,585 |
| Equity capital to assets | 72.4703% | 33 |
| Core capital (leverage) ratio | 71.0877% | 31 |
| Tier 1 risk-based capital ratio | 79.6004% | 58 |
| Total risk-based capital ratio | 79.6120% | 59 |
| Memoranda: | ||
| Average total assets | $443,286,250 | 1,512 |
| Average earning assets | $424,250,000 | 1,456 |
| Average equity | $311,417,500 | 285 |
| Average total loans | $392,546,250 | 1,124 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2632% | 6,612 |
| Cost of funding earning assets | 0.0723% | 6,541 |
| Net interest margin | 1.1910% | 6,606 |
| Noninterest income to average assets | 5.8630% | 104 |
| Noninterest expense to average assets | 3.4476% | 1,578 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.2306% | 219 |
| Return on assets (ROA) | 2.2306% | 228 |
| Pretax return on assets | 3.5535% | 86 |
| Return on Equity (ROE) | 3.2080% | 5,454 |
| Retained earnings to average equity (ytd only) | 3.2080% | 4,159 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2442% | 6,210 |
| Assets per employee ($millions) | 11.3490% | 160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0081% | 6,598 |
| 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 | 0.0000% | 6,120 |
| Net loans and leases to total assets | 88.9935% | 71 |
| Net loans and leases to deposits | 10,081.7763% | 3 |
| Net loans and leases to core deposits | 13,549.8796% | 8 |
| Total domestic deposits to total assets | 0.8827% | 6,653 |
| Equity capital to assets | 70.6081% | 34 |
| Core capital (leverage) ratio | 70.6408% | 33 |
| Tier 1 risk-based capital ratio | 77.5957% | 58 |
| Total risk-based capital ratio | 77.6044% | 58 |
| Memoranda: | ||
| Average total assets | $445,986,670 | 1,498 |
| Average earning assets | $426,202,330 | 1,448 |
| Average equity | $310,096,670 | 281 |
| Average total loans | $394,384,000 | 1,108 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2557% | 6,692 |
| Cost of funding earning assets | 0.0722% | 6,622 |
| Net interest margin | 1.1835% | 6,683 |
| Noninterest income to average assets | 6.1652% | 93 |
| Noninterest expense to average assets | 3.4623% | 1,566 |
| Loan and lease loss provision to assets | 0.0027% | 3,788 |
| Net operating income to assets | 2.3973% | 175 |
| Return on assets (ROA) | 2.3973% | 187 |
| Pretax return on assets | 3.8278% | 92 |
| Return on Equity (ROE) | 3.4744% | 5,287 |
| Retained earnings to average equity (ytd only) | 3.4744% | 4,051 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.4761% | 6,378 |
| Assets per employee ($millions) | 11.1816% | 178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0089% | 6,672 |
| 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 | 0.0000% | 6,210 |
| Net loans and leases to total assets | 88.3160% | 76 |
| Net loans and leases to deposits | 9,622.5091% | 3 |
| Net loans and leases to core deposits | 12,721.5459% | 7 |
| Total domestic deposits to total assets | 0.9178% | 6,724 |
| Equity capital to assets | 69.3656% | 38 |
| Core capital (leverage) ratio | 69.7699% | 34 |
| Tier 1 risk-based capital ratio | 76.1833% | 68 |
| Total risk-based capital ratio | 76.1926% | 71 |
| Memoranda: | ||
| Average total assets | $447,674,500 | 1,494 |
| Average earning assets | $426,535,000 | 1,455 |
| Average equity | $308,885,500 | 281 |
| Average total loans | $394,612,500 | 1,113 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3234% | 6,758 |
| Cost of funding earning assets | 0.0892% | 6,696 |
| Net interest margin | 1.2342% | 6,748 |
| Noninterest income to average assets | 6.1132% | 109 |
| Noninterest expense to average assets | 3.4506% | 1,765 |
| Loan and lease loss provision to assets | 0.0026% | 5,053 |
| Net operating income to assets | 2.4494% | 181 |
| Return on assets (ROA) | 2.4494% | 182 |
| Pretax return on assets | 3.8404% | 74 |
| Return on Equity (ROE) | 3.6792% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.6792% | 3,602 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3100% | 6,511 |
| Assets per employee ($millions) | 11.2022% | 164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0081% | 6,746 |
| 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 | 0.0000% | 6,319 |
| Net loans and leases to total assets | 87.9637% | 89 |
| Net loans and leases to deposits | 9,282.9487% | 3 |
| Net loans and leases to core deposits | 12,142.7603% | 8 |
| Total domestic deposits to total assets | 0.9476% | 6,806 |
| Equity capital to assets | 68.6306% | 36 |
| Core capital (leverage) ratio | 68.4199% | 34 |
| Tier 1 risk-based capital ratio | 75.4350% | 68 |
| Total risk-based capital ratio | 75.4438% | 69 |
| Memoranda: | ||
| Average total assets | $453,626,200 | 1,463 |
| Average earning assets | $433,898,600 | 1,401 |
| Average equity | $301,996,200 | 275 |
| Average total loans | $401,580,000 | 1,064 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3291% | 6,842 |
| Cost of funding earning assets | 0.0927% | 6,778 |
| Net interest margin | 1.2364% | 6,834 |
| Noninterest income to average assets | 5.9180% | 113 |
| Noninterest expense to average assets | 3.3569% | 1,924 |
| Loan and lease loss provision to assets | 0.0056% | 4,859 |
| Net operating income to assets | 2.4052% | 193 |
| Return on assets (ROA) | 2.4052% | 202 |
| Pretax return on assets | 3.7396% | 85 |
| Return on Equity (ROE) | 3.6405% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.6405% | 4,104 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.2666% | 6,536 |
| Assets per employee ($millions) | 11.1934% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0096% | 6,827 |
| 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 | 0.0000% | 6,405 |
| Net loans and leases to total assets | 88.8561% | 61 |
| Net loans and leases to deposits | 11,027.2580% | 3 |
| Net loans and leases to core deposits | 15,114.4552% | 8 |
| Total domestic deposits to total assets | 0.8058% | 6,884 |
| Equity capital to assets | 66.3834% | 36 |
| Core capital (leverage) ratio | 66.1686% | 32 |
| Tier 1 risk-based capital ratio | 72.5533% | 68 |
| Total risk-based capital ratio | 72.5636% | 70 |
| Memoranda: | ||
| Average total assets | $455,011,000 | 1,467 |
| Average earning assets | $435,772,250 | 1,401 |
| Average equity | $300,614,000 | 276 |
| Average total loans | $403,428,500 | 1,060 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3360% | 6,891 |
| Cost of funding earning assets | 0.0916% | 6,836 |
| Net interest margin | 1.2444% | 6,883 |
| Noninterest income to average assets | 5.9933% | 122 |
| Noninterest expense to average assets | 3.2695% | 2,161 |
| Loan and lease loss provision to assets | 0.0106% | 4,660 |
| Net operating income to assets | 2.4628% | 184 |
| Return on assets (ROA) | 2.4628% | 192 |
| Pretax return on assets | 3.9047% | 89 |
| Return on Equity (ROE) | 3.7338% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.7338% | 3,929 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.5059% | 6,661 |
| Assets per employee ($millions) | 10.7078% | 182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0107% | 6,878 |
| 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 | 0.0000% | 6,469 |
| Net loans and leases to total assets | 88.9314% | 65 |
| Net loans and leases to deposits | 10,905.6221% | 3 |
| Net loans and leases to core deposits | 14,742.9275% | 8 |
| Total domestic deposits to total assets | 0.8155% | 6,937 |
| Equity capital to assets | 64.1052% | 36 |
| Core capital (leverage) ratio | 66.6483% | 32 |
| Tier 1 risk-based capital ratio | 70.1154% | 70 |
| Total risk-based capital ratio | 70.1295% | 72 |
| Memoranda: | ||
| Average total assets | $453,704,330 | 1,471 |
| Average earning assets | $434,438,670 | 1,408 |
| Average equity | $299,267,330 | 277 |
| Average total loans | $401,962,330 | 1,056 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3596% | 6,971 |
| Cost of funding earning assets | 0.0920% | 6,918 |
| Net interest margin | 1.2675% | 6,960 |
| Noninterest income to average assets | 6.0326% | 115 |
| Noninterest expense to average assets | 3.5156% | 1,589 |
| Loan and lease loss provision to assets | 0.0243% | 4,166 |
| Net operating income to assets | 2.3408% | 188 |
| Return on assets (ROA) | 2.3408% | 206 |
| Pretax return on assets | 3.7062% | 100 |
| Return on Equity (ROE) | 3.4966% | 5,341 |
| Retained earnings to average equity (ytd only) | 3.4966% | 4,147 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5176% | 6,588 |
| Assets per employee ($millions) | 9.0579% | 313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0126% | 6,958 |
| Loan loss allowance to noncurrent loans | 247.3684% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.0045% | 6,626 |
| Noncurrent loans to loans | 0.0051% | 6,497 |
| Net loans and leases to total assets | 87.7342% | 76 |
| Net loans and leases to deposits | 8,931.2052% | 4 |
| Net loans and leases to core deposits | 11,737.9950% | 10 |
| Total domestic deposits to total assets | 0.9823% | 7,010 |
| Equity capital to assets | 70.2749% | 32 |
| Core capital (leverage) ratio | 66.8775% | 30 |
| Tier 1 risk-based capital ratio | 77.2959% | 66 |
| Total risk-based capital ratio | 77.3089% | 68 |
| Memoranda: | ||
| Average total assets | $444,985,000 | 1,506 |
| Average earning assets | $426,022,000 | 1,447 |
| Average equity | $297,887,500 | 283 |
| Average total loans | $393,424,000 | 1,082 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4914% | 7,027 |
| Cost of funding earning assets | 0.1059% | 6,990 |
| Net interest margin | 1.3855% | 7,007 |
| Noninterest income to average assets | 5.3277% | 135 |
| Noninterest expense to average assets | 2.8724% | 3,752 |
| Loan and lease loss provision to assets | -0.0056% | 6,816 |
| Net operating income to assets | 2.3687% | 188 |
| Return on assets (ROA) | 2.3687% | 202 |
| Pretax return on assets | 3.7939% | 86 |
| Return on Equity (ROE) | 3.6663% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.6663% | 3,643 |
| Net charge-offs to loans | 0.0118% | 5,756 |
| Credit loss provision to net charge-offs | -53.1915% | 6,278 |
| Earnings coverage of net charge-offs (x) | 362.9787% | 113 |
| Efficiency ratio | 43.1239% | 6,872 |
| Assets per employee ($millions) | 9.8776% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0048% | 7,008 |
| Loan loss allowance to noncurrent loans | 105.2632% | 3,207 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 6,698 |
| Noncurrent loans to loans | 0.0046% | 6,575 |
| Net loans and leases to total assets | 89.0208% | 67 |
| Net loans and leases to deposits | 9,310.1599% | 4 |
| Net loans and leases to core deposits | 12,017.3888% | 11 |
| Total domestic deposits to total assets | 0.9562% | 7,073 |
| Equity capital to assets | 63.8881% | 36 |
| Core capital (leverage) ratio | 65.8068% | 32 |
| Tier 1 risk-based capital ratio | 69.2448% | 80 |
| Total risk-based capital ratio | 69.2501% | 80 |
| Memoranda: | ||
| Average total assets | $450,326,000 | 1,467 |
| Average earning assets | $433,279,600 | 1,392 |
| Average equity | $290,944,200 | 278 |
| Average total loans | $399,479,200 | 1,045 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5233% | 7,135 |
| Cost of funding earning assets | 0.1098% | 7,100 |
| Net interest margin | 1.4135% | 7,116 |
| Noninterest income to average assets | 4.8439% | 147 |
| Noninterest expense to average assets | 2.7636% | 4,115 |
| Loan and lease loss provision to assets | 0.0012% | 5,785 |
| Net operating income to assets | 2.1758% | 296 |
| Return on assets (ROA) | 2.1758% | 332 |
| Pretax return on assets | 3.4394% | 107 |
| Return on Equity (ROE) | 3.3580% | 5,549 |
| Retained earnings to average equity (ytd only) | 3.3580% | 4,507 |
| Net charge-offs to loans | 0.0141% | 5,497 |
| Credit loss provision to net charge-offs | 9.5238% | 5,083 |
| Earnings coverage of net charge-offs (x) | 274.5407% | 167 |
| Efficiency ratio | 44.5438% | 6,879 |
| Assets per employee ($millions) | 9.4259% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0138% | 7,116 |
| Loan loss allowance to noncurrent loans | 207.6923% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 6,781 |
| Noncurrent loans to loans | 0.0066% | 6,662 |
| Net loans and leases to total assets | 88.4027% | 84 |
| Net loans and leases to deposits | 10,057.4474% | 4 |
| Net loans and leases to core deposits | 13,532.7229% | 9 |
| Total domestic deposits to total assets | 0.8790% | 7,175 |
| Equity capital to assets | 66.1966% | 35 |
| Core capital (leverage) ratio | 66.2157% | 34 |
| Tier 1 risk-based capital ratio | 72.1779% | 72 |
| Total risk-based capital ratio | 72.1932% | 72 |
| Memoranda: | ||
| Average total assets | $446,845,250 | 1,492 |
| Average earning assets | $430,033,750 | 1,418 |
| Average equity | $289,530,250 | 281 |
| Average total loans | $396,024,500 | 1,062 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5226% | 7,204 |
| Cost of funding earning assets | 0.1126% | 7,166 |
| Net interest margin | 1.4100% | 7,183 |
| Noninterest income to average assets | 4.7094% | 144 |
| Noninterest expense to average assets | 2.7229% | 4,313 |
| Loan and lease loss provision to assets | -0.0004% | 7,010 |
| Net operating income to assets | 2.1133% | 333 |
| Return on assets (ROA) | 2.1133% | 374 |
| Pretax return on assets | 3.3451% | 123 |
| Return on Equity (ROE) | 3.2849% | 5,566 |
| Retained earnings to average equity (ytd only) | 3.2849% | 4,422 |
| Net charge-offs to loans | 0.0211% | 5,108 |
| Credit loss provision to net charge-offs | -2.3810% | 5,908 |
| Earnings coverage of net charge-offs (x) | 178.4286% | 258 |
| Efficiency ratio | 44.8768% | 6,923 |
| Assets per employee ($millions) | 10.6320% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0126% | 7,183 |
| Loan loss allowance to noncurrent loans | 192.3077% | 1,776 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 6,840 |
| Noncurrent loans to loans | 0.0066% | 6,704 |
| Net loans and leases to total assets | 88.6542% | 65 |
| Net loans and leases to deposits | 8,655.0066% | 4 |
| Net loans and leases to core deposits | 11,076.6648% | 9 |
| Total domestic deposits to total assets | 1.0243% | 7,242 |
| Equity capital to assets | 65.0921% | 32 |
| Core capital (leverage) ratio | 65.5736% | 30 |
| Tier 1 risk-based capital ratio | 70.8458% | 70 |
| Total risk-based capital ratio | 70.8585% | 71 |
| Memoranda: | ||
| Average total assets | $448,122,000 | 1,488 |
| Average earning assets | $431,630,000 | 1,415 |
| Average equity | $288,286,670 | 281 |
| Average total loans | $397,469,000 | 1,063 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5527% | 7,263 |
| Cost of funding earning assets | 0.1165% | 7,233 |
| Net interest margin | 1.4362% | 7,242 |
| Noninterest income to average assets | 4.6281% | 145 |
| Noninterest expense to average assets | 2.7213% | 4,350 |
| Loan and lease loss provision to assets | -0.0205% | 7,119 |
| Net operating income to assets | 2.1055% | 346 |
| Return on assets (ROA) | 2.1055% | 399 |
| Pretax return on assets | 3.3111% | 139 |
| Return on Equity (ROE) | 3.2923% | 5,595 |
| Retained earnings to average equity (ytd only) | 3.2923% | 4,593 |
| Net charge-offs to loans | 0.0422% | 4,106 |
| Credit loss provision to net charge-offs | -54.7619% | 5,428 |
| Earnings coverage of net charge-offs (x) | 87.9286% | 385 |
| Efficiency ratio | 45.2646% | 6,935 |
| Assets per employee ($millions) | 13.3665% | 116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0067% | 7,244 |
| Loan loss allowance to noncurrent loans | 103.8462% | 2,976 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 6,928 |
| Noncurrent loans to loans | 0.0065% | 6,783 |
| Net loans and leases to total assets | 88.6815% | 61 |
| Net loans and leases to deposits | 11,534.7167% | 4 |
| Net loans and leases to core deposits | 16,159.7033% | 9 |
| Total domestic deposits to total assets | 0.7688% | 7,305 |
| Equity capital to assets | 63.4332% | 31 |
| Core capital (leverage) ratio | 65.5620% | 27 |
| Tier 1 risk-based capital ratio | 68.9018% | 69 |
| Total risk-based capital ratio | 68.9085% | 72 |
| Memoranda: | ||
| Average total assets | $448,911,000 | 1,485 |
| Average earning assets | $432,544,000 | 1,415 |
| Average equity | $287,097,500 | 279 |
| Average total loans | $398,238,500 | 1,060 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4639% | 7,314 |
| Cost of funding earning assets | 0.1322% | 7,286 |
| Net interest margin | 1.3317% | 7,299 |
| Noninterest income to average assets | 4.8899% | 127 |
| Noninterest expense to average assets | 1.8384% | 6,913 |
| Loan and lease loss provision to assets | -0.0383% | 7,236 |
| Net operating income to assets | 3.0527% | 84 |
| Return on assets (ROA) | 3.0527% | 85 |
| Pretax return on assets | 4.3739% | 67 |
| Return on Equity (ROE) | 4.8598% | 4,454 |
| Retained earnings to average equity (ytd only) | 4.8598% | 2,741 |
| Net charge-offs to loans | 0.0461% | 5,846 |
| Credit loss provision to net charge-offs | -93.9227% | 6,697 |
| Earnings coverage of net charge-offs (x) | 106.2044% | 296 |
| Efficiency ratio | 29.7764% | 7,298 |
| Assets per employee ($millions) | 23.3348% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0234% | 7,291 |
| Loan loss allowance to noncurrent loans | 135.2941% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.0153% | 6,937 |
| Noncurrent loans to loans | 0.0173% | 6,787 |
| Net loans and leases to total assets | 88.7166% | 66 |
| Net loans and leases to deposits | 24,738.0503% | 3 |
| Net loans and leases to core deposits | 66,666.9492% | 4 |
| Total domestic deposits to total assets | 0.3586% | 7,356 |
| Equity capital to assets | 64.4883% | 33 |
| Core capital (leverage) ratio | 63.2756% | 29 |
| Tier 1 risk-based capital ratio | 70.0986% | 67 |
| Total risk-based capital ratio | 70.1219% | 71 |
| Memoranda: | ||
| Average total assets | $443,383,000 | 1,473 |
| Average earning assets | $427,498,600 | 1,415 |
| Average equity | $278,507,400 | 277 |
| Average total loans | $392,923,400 | 1,086 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4440% | 7,390 |
| Cost of funding earning assets | 0.1291% | 7,368 |
| Net interest margin | 1.3149% | 7,379 |
| Noninterest income to average assets | 4.6558% | 135 |
| Noninterest expense to average assets | 1.7748% | 7,023 |
| Loan and lease loss provision to assets | -0.0493% | 7,332 |
| Net operating income to assets | 2.6637% | 118 |
| Return on assets (ROA) | 2.6637% | 124 |
| Pretax return on assets | 4.1979% | 80 |
| Return on Equity (ROE) | 4.2690% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.2690% | 3,690 |
| Net charge-offs to loans | 0.0614% | 5,354 |
| Credit loss provision to net charge-offs | -90.6077% | 6,510 |
| Earnings coverage of net charge-offs (x) | 76.2202% | 454 |
| Efficiency ratio | 29.9624% | 7,368 |
| Assets per employee ($millions) | 23.8236% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0245% | 7,367 |
| Loan loss allowance to noncurrent loans | 144.1176% | 2,109 |
| Noncurrent assets plus other real estate owned to assets | 0.0150% | 7,028 |
| Noncurrent loans to loans | 0.0170% | 6,903 |
| Net loans and leases to total assets | 88.4248% | 70 |
| Net loans and leases to deposits | 19,726.6141% | 3 |
| Net loans and leases to core deposits | 38,897.2789% | 5 |
| Total domestic deposits to total assets | 0.4483% | 7,434 |
| Equity capital to assets | 62.1280% | 39 |
| Core capital (leverage) ratio | 60.7086% | 35 |
| Tier 1 risk-based capital ratio | 67.6005% | 86 |
| Total risk-based capital ratio | 67.6264% | 88 |
| Memoranda: | ||
| Average total assets | $443,388,500 | 1,485 |
| Average earning assets | $427,403,000 | 1,426 |
| Average equity | $276,655,250 | 280 |
| Average total loans | $392,797,500 | 1,096 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4521% | 7,467 |
| Cost of funding earning assets | 0.1243% | 7,451 |
| Net interest margin | 1.3278% | 7,455 |
| Noninterest income to average assets | 4.6486% | 141 |
| Noninterest expense to average assets | 1.7384% | 7,144 |
| Loan and lease loss provision to assets | -0.0768% | 7,415 |
| Net operating income to assets | 2.6800% | 134 |
| Return on assets (ROA) | 2.6800% | 140 |
| Pretax return on assets | 4.2680% | 86 |
| Return on Equity (ROE) | 4.2888% | 4,799 |
| Retained earnings to average equity (ytd only) | 4.2888% | 3,472 |
| Net charge-offs to loans | 0.0928% | 4,748 |
| Credit loss provision to net charge-offs | -93.3702% | 6,304 |
| Earnings coverage of net charge-offs (x) | 50.9779% | 616 |
| Efficiency ratio | 29.3167% | 7,443 |
| Assets per employee ($millions) | 23.7467% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0232% | 7,440 |
| Loan loss allowance to noncurrent loans | 136.7647% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.0151% | 7,081 |
| Noncurrent loans to loans | 0.0170% | 6,954 |
| Net loans and leases to total assets | 88.7601% | 66 |
| Net loans and leases to deposits | 19,602.3005% | 3 |
| Net loans and leases to core deposits | 38,396.4525% | 5 |
| Total domestic deposits to total assets | 0.4528% | 7,512 |
| Equity capital to assets | 61.6526% | 42 |
| Core capital (leverage) ratio | 61.6190% | 38 |
| Tier 1 risk-based capital ratio | 66.2753% | 88 |
| Total risk-based capital ratio | 66.2984% | 93 |
| Memoranda: | ||
| Average total assets | $440,302,000 | 1,503 |
| Average earning assets | $424,765,000 | 1,440 |
| Average equity | $275,133,330 | 281 |
| Average total loans | $390,279,670 | 1,114 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4351% | 7,531 |
| Cost of funding earning assets | 0.1297% | 7,510 |
| Net interest margin | 1.3054% | 7,520 |
| Noninterest income to average assets | 4.7252% | 141 |
| Noninterest expense to average assets | 1.7753% | 7,165 |
| Loan and lease loss provision to assets | -0.1555% | 7,496 |
| Net operating income to assets | 2.6289% | 152 |
| Return on assets (ROA) | 2.6289% | 160 |
| Pretax return on assets | 4.3646% | 90 |
| Return on Equity (ROE) | 4.1781% | 4,809 |
| Retained earnings to average equity (ytd only) | 4.1781% | 3,656 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.6649% | 7,497 |
| Assets per employee ($millions) | 23.6503% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0691% | 7,485 |
| Loan loss allowance to noncurrent loans | 110.4418% | 2,625 |
| Noncurrent assets plus other real estate owned to assets | 0.0554% | 7,022 |
| Noncurrent loans to loans | 0.0625% | 6,892 |
| Net loans and leases to total assets | 88.5509% | 68 |
| Net loans and leases to deposits | 20,198.3756% | 3 |
| Net loans and leases to core deposits | 41,021.4433% | 4 |
| Total domestic deposits to total assets | 0.4384% | 7,574 |
| Equity capital to assets | 61.2082% | 38 |
| Core capital (leverage) ratio | 65.1709% | 31 |
| Tier 1 risk-based capital ratio | 65.7797% | 86 |
| Total risk-based capital ratio | 65.8465% | 87 |
| Memoranda: | ||
| Average total assets | $434,859,000 | 1,529 |
| Average earning assets | $419,484,000 | 1,465 |
| Average equity | $273,615,500 | 279 |
| Average total loans | $385,135,500 | 1,142 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2991% | 7,592 |
| Cost of funding earning assets | 0.1532% | 7,567 |
| Net interest margin | 1.1458% | 7,575 |
| Noninterest income to average assets | 4.6102% | 147 |
| Noninterest expense to average assets | 1.8253% | 7,239 |
| Loan and lease loss provision to assets | 0.0328% | 6,815 |
| Net operating income to assets | 2.5145% | 114 |
| Return on assets (ROA) | 2.5145% | 118 |
| Pretax return on assets | 3.8624% | 75 |
| Return on Equity (ROE) | 4.3056% | 4,384 |
| Retained earnings to average equity (ytd only) | 4.3056% | 2,826 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.9080% | 7,576 |
| Assets per employee ($millions) | 21.0182% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1193% | 7,549 |
| Loan loss allowance to noncurrent loans | 171.4286% | 1,739 |
| Noncurrent assets plus other real estate owned to assets | 0.0616% | 7,074 |
| Noncurrent loans to loans | 0.0696% | 6,950 |
| Net loans and leases to total assets | 88.4103% | 88 |
| Net loans and leases to deposits | 17,663.6882% | 5 |
| Net loans and leases to core deposits | 33,663.4058% | 6 |
| Total domestic deposits to total assets | 0.5005% | 7,654 |
| Equity capital to assets | 64.7509% | 40 |
| Core capital (leverage) ratio | 59.7727% | 40 |
| Tier 1 risk-based capital ratio | 69.5601% | 81 |
| Total risk-based capital ratio | 69.6779% | 81 |
| Memoranda: | ||
| Average total assets | $456,636,600 | 1,454 |
| Average earning assets | $442,469,600 | 1,379 |
| Average equity | $266,676,800 | 281 |
| Average total loans | $408,197,800 | 1,105 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2882% | 7,716 |
| Cost of funding earning assets | 0.1533% | 7,691 |
| Net interest margin | 1.1349% | 7,697 |
| Noninterest income to average assets | 4.5298% | 152 |
| Noninterest expense to average assets | 1.7249% | 7,419 |
| Loan and lease loss provision to assets | -0.0206% | 7,679 |
| Net operating income to assets | 2.8658% | 90 |
| Return on assets (ROA) | 2.8658% | 96 |
| Pretax return on assets | 3.9257% | 76 |
| Return on Equity (ROE) | 5.0307% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.0307% | 2,969 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6382% | 7,679 |
| Assets per employee ($millions) | 22.3737% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0526% | 7,678 |
| Loan loss allowance to noncurrent loans | 65.5786% | 4,023 |
| Noncurrent assets plus other real estate owned to assets | 0.0717% | 7,159 |
| Noncurrent loans to loans | 0.0802% | 7,039 |
| Net loans and leases to total assets | 89.3799% | 72 |
| Net loans and leases to deposits | 20,882.5957% | 5 |
| Net loans and leases to core deposits | 41,537.9822% | 7 |
| Total domestic deposits to total assets | 0.4280% | 7,760 |
| Equity capital to assets | 57.6394% | 46 |
| Core capital (leverage) ratio | 60.0403% | 41 |
| Tier 1 risk-based capital ratio | 62.1194% | 101 |
| Total risk-based capital ratio | 65.6146% | 93 |
| Memoranda: | ||
| Average total assets | $465,705,000 | 1,451 |
| Average earning assets | $451,469,000 | 1,372 |
| Average equity | $265,298,750 | 281 |
| Average total loans | $417,225,250 | 1,082 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2582% | 7,792 |
| Cost of funding earning assets | 0.1354% | 7,769 |
| Net interest margin | 1.1228% | 7,773 |
| Noninterest income to average assets | 4.6084% | 149 |
| Noninterest expense to average assets | 1.7531% | 7,450 |
| Loan and lease loss provision to assets | -0.0302% | 7,751 |
| Net operating income to assets | 2.5086% | 135 |
| Return on assets (ROA) | 2.5086% | 139 |
| Pretax return on assets | 3.9752% | 73 |
| Return on Equity (ROE) | 4.4212% | 4,589 |
| Retained earnings to average equity (ytd only) | 4.4212% | 3,262 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.7657% | 7,741 |
| Assets per employee ($millions) | 20.3430% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0534% | 7,749 |
| Loan loss allowance to noncurrent loans | 66.4688% | 4,010 |
| Noncurrent assets plus other real estate owned to assets | 0.0720% | 7,212 |
| Noncurrent loans to loans | 0.0804% | 7,107 |
| Net loans and leases to total assets | 89.5244% | 94 |
| Net loans and leases to deposits | 4,888.8305% | 6 |
| Net loans and leases to core deposits | 5,534.8177% | 17 |
| Total domestic deposits to total assets | 1.8312% | 7,819 |
| Equity capital to assets | 56.9725% | 45 |
| Core capital (leverage) ratio | 57.1802% | 42 |
| Tier 1 risk-based capital ratio | 61.8090% | 102 |
| Total risk-based capital ratio | 65.3399% | 97 |
| Memoranda: | ||
| Average total assets | $464,324,330 | 1,468 |
| Average earning assets | $450,645,330 | 1,379 |
| Average equity | $263,459,330 | 280 |
| Average total loans | $416,243,670 | 1,096 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2058% | 7,900 |
| Cost of funding earning assets | 0.1131% | 7,876 |
| Net interest margin | 1.0927% | 7,873 |
| Noninterest income to average assets | 4.4588% | 151 |
| Noninterest expense to average assets | 1.7607% | 7,510 |
| Loan and lease loss provision to assets | 0.0242% | 6,419 |
| Net operating income to assets | 2.3626% | 185 |
| Return on assets (ROA) | 2.3626% | 208 |
| Pretax return on assets | 3.7350% | 90 |
| Return on Equity (ROE) | 4.1725% | 4,814 |
| Retained earnings to average equity (ytd only) | 4.1725% | 3,645 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.8972% | 7,834 |
| Assets per employee ($millions) | 20.5284% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0756% | 7,847 |
| Loan loss allowance to noncurrent loans | 80.6533% | 3,378 |
| Noncurrent assets plus other real estate owned to assets | 0.0843% | 7,279 |
| Noncurrent loans to loans | 0.0938% | 7,162 |
| Net loans and leases to total assets | 89.8118% | 71 |
| Net loans and leases to deposits | 4,749.6528% | 8 |
| Net loans and leases to core deposits | 5,348.7513% | 21 |
| Total domestic deposits to total assets | 1.8909% | 7,920 |
| Equity capital to assets | 55.7667% | 42 |
| Core capital (leverage) ratio | 59.0397% | 38 |
| Tier 1 risk-based capital ratio | 60.4945% | 106 |
| Total risk-based capital ratio | 64.0135% | 99 |
| Memoranda: | ||
| Average total assets | $462,542,000 | 1,516 |
| Average earning assets | $449,164,000 | 1,411 |
| Average equity | $261,905,000 | 286 |
| Average total loans | $414,816,000 | 1,135 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7797% | 7,938 |
| Cost of funding earning assets | 0.2986% | 7,903 |
| Net interest margin | 1.4811% | 7,872 |
| Noninterest income to average assets | 3.4645% | 198 |
| Noninterest expense to average assets | 1.1950% | 7,910 |
| Loan and lease loss provision to assets | 0.0007% | 7,423 |
| Net operating income to assets | 2.3350% | 109 |
| Return on assets (ROA) | 2.3350% | 121 |
| Pretax return on assets | 3.7150% | 57 |
| Return on Equity (ROE) | 5.3554% | 3,498 |
| Retained earnings to average equity (ytd only) | 5.3554% | 1,645 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.3343% | 7,965 |
| Assets per employee ($millions) | 22.6466% | 67 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0723% | 7,922 |
| Loan loss allowance to noncurrent loans | 161.8785% | 1,797 |
| Noncurrent assets plus other real estate owned to assets | 0.0400% | 7,413 |
| Noncurrent loans to loans | 0.0447% | 7,321 |
| Net loans and leases to total assets | 89.4107% | 110 |
| Net loans and leases to deposits | 4,648.4045% | 8 |
| Net loans and leases to core deposits | 5,251.1540% | 10 |
| Total domestic deposits to total assets | 1.9235% | 7,997 |
| Equity capital to assets | 57.5156% | 45 |
| Core capital (leverage) ratio | 46.4556% | 53 |
| Tier 1 risk-based capital ratio | 62.5780% | 104 |
| Total risk-based capital ratio | 66.2505% | 97 |
| Memoranda: | ||
| Average total assets | $582,015,000 | 1,181 |
| Average earning assets | $568,305,800 | 1,110 |
| Average equity | $253,760,800 | 283 |
| Average total loans | $533,035,400 | 894 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8182% | 8,037 |
| Cost of funding earning assets | 0.3326% | 7,988 |
| Net interest margin | 1.4856% | 7,948 |
| Noninterest income to average assets | 3.1222% | 214 |
| Noninterest expense to average assets | 1.0978% | 8,015 |
| Loan and lease loss provision to assets | 0.0052% | 7,263 |
| Net operating income to assets | 2.1935% | 182 |
| Return on assets (ROA) | 2.1935% | 202 |
| Pretax return on assets | 3.4713% | 70 |
| Return on Equity (ROE) | 5.3454% | 3,814 |
| Retained earnings to average equity (ytd only) | 5.3454% | 2,285 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.0000% | 8,038 |
| Assets per employee ($millions) | 28.7761% | 54 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0562% | 8,016 |
| Loan loss allowance to noncurrent loans | 172.9282% | 1,699 |
| Noncurrent assets plus other real estate owned to assets | 0.0300% | 7,506 |
| Noncurrent loans to loans | 0.0325% | 7,431 |
| Net loans and leases to total assets | 92.0945% | 54 |
| Net loans and leases to deposits | 323.6971% | 20 |
| Net loans and leases to core deposits | 7,022.4101% | 9 |
| Total domestic deposits to total assets | 28.4508% | 8,030 |
| Equity capital to assets | 42.5440% | 68 |
| Core capital (leverage) ratio | 41.2437% | 69 |
| Tier 1 risk-based capital ratio | 44.6220% | 213 |
| Total risk-based capital ratio | 49.8824% | 178 |
| Memoranda: | ||
| Average total assets | $614,286,000 | 1,147 |
| Average earning assets | $600,433,750 | 1,060 |
| Average equity | $252,074,500 | 294 |
| Average total loans | $564,978,750 | 862 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9150% | 8,129 |
| Cost of funding earning assets | 0.3783% | 8,078 |
| Net interest margin | 1.5367% | 8,006 |
| Noninterest income to average assets | 3.1029% | 203 |
| Noninterest expense to average assets | 1.1282% | 8,100 |
| Loan and lease loss provision to assets | 0.0013% | 7,153 |
| Net operating income to assets | 2.1933% | 198 |
| Return on assets (ROA) | 2.1933% | 217 |
| Pretax return on assets | 3.4743% | 73 |
| Return on Equity (ROE) | 5.4097% | 3,901 |
| Retained earnings to average equity (ytd only) | 5.4097% | 2,289 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.5059% | 8,128 |
| Assets per employee ($millions) | 30.3574% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0497% | 8,108 |
| Loan loss allowance to noncurrent loans | 161.8785% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.0284% | 7,547 |
| Noncurrent loans to loans | 0.0307% | 7,463 |
| Net loans and leases to total assets | 92.3958% | 47 |
| Net loans and leases to deposits | 309.5477% | 23 |
| Net loans and leases to core deposits | 7,429.7301% | 10 |
| Total domestic deposits to total assets | 29.8487% | 8,119 |
| Equity capital to assets | 39.7855% | 86 |
| Core capital (leverage) ratio | 44.9565% | 74 |
| Tier 1 risk-based capital ratio | 41.6588% | 272 |
| Total risk-based capital ratio | 46.6307% | 216 |
| Memoranda: | ||
| Average total assets | $617,615,000 | 1,154 |
| Average earning assets | $603,240,330 | 1,068 |
| Average equity | $250,401,670 | 302 |
| Average total loans | $567,692,000 | 880 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1711% | 8,181 |
| Cost of funding earning assets | 0.4172% | 8,129 |
| Net interest margin | 1.7539% | 7,987 |
| Noninterest income to average assets | 3.0918% | 204 |
| Noninterest expense to average assets | 1.1315% | 8,137 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.3151% | 185 |
| Return on assets (ROA) | 2.3151% | 217 |
| Pretax return on assets | 3.6704% | 72 |
| Return on Equity (ROE) | 5.6547% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.6547% | 2,797 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.5641% | 8,177 |
| Assets per employee ($millions) | 25.9817% | 65 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0528% | 8,160 |
| Loan loss allowance to noncurrent loans | 159.6685% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 7,528 |
| Noncurrent loans to loans | 0.0331% | 7,455 |
| Net loans and leases to total assets | 91.5762% | 74 |
| Net loans and leases to deposits | 250.2820% | 25 |
| Net loans and leases to core deposits | 29,725.0951% | 4 |
| Total domestic deposits to total assets | 36.5892% | 8,154 |
| Equity capital to assets | 41.9252% | 89 |
| Core capital (leverage) ratio | 42.5566% | 89 |
| Tier 1 risk-based capital ratio | 44.7310% | 253 |
| Total risk-based capital ratio | 50.1376% | 216 |
| Memoranda: | ||
| Average total assets | $607,669,500 | 1,175 |
| Average earning assets | $592,499,500 | 1,088 |
| Average equity | $248,785,000 | 304 |
| Average total loans | $556,877,000 | 905 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 8,119 |
| Cost of funding earning assets | 1.6833% | 7,297 |
| Net interest margin | 2.1474% | 7,989 |
| Noninterest income to average assets | 2.9604% | 201 |
| Noninterest expense to average assets | 1.1763% | 8,169 |
| Loan and lease loss provision to assets | -0.0025% | 8,194 |
| Net operating income to assets | 2.4375% | 142 |
| Return on assets (ROA) | 2.4332% | 146 |
| Pretax return on assets | 3.8567% | 65 |
| Return on Equity (ROE) | 6.8871% | 3,591 |
| Retained earnings to average equity (ytd only) | 6.8871% | 1,194 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.3516% | 8,251 |
| Assets per employee ($millions) | 26.8592% | 60 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0510% | 8,219 |
| Loan loss allowance to noncurrent loans | 159.6685% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.0293% | 7,474 |
| Noncurrent loans to loans | 0.0320% | 7,381 |
| Net loans and leases to total assets | 91.6110% | 97 |
| Net loans and leases to deposits | 250.9988% | 27 |
| Net loans and leases to core deposits | 6,185.7799% | 10 |
| Total domestic deposits to total assets | 36.4986% | 8,206 |
| Equity capital to assets | 39.9886% | 101 |
| Core capital (leverage) ratio | 39.4502% | 113 |
| Tier 1 risk-based capital ratio | 42.5517% | 293 |
| Total risk-based capital ratio | 47.7681% | 244 |
| Memoranda: | ||
| Average total assets | $675,008,400 | 987 |
| Average earning assets | $652,840,400 | 929 |
| Average equity | $238,475,400 | 318 |
| Average total loans | $618,804,200 | 773 |