Home > Edward Jones Trust Company > Performance and Condition Ratios
Edward Jones Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6381% | 4,324 |
| Cost of funding earning assets | 0.1927% | 4,446 |
| Net interest margin | 3.4454% | 2,313 |
| Noninterest income to average assets | 46.3400% | 55 |
| Noninterest expense to average assets | 41.8459% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 6.0572% | 60 |
| Return on assets (ROA) | 6.7848% | 54 |
| Pretax return on assets | 8.5690% | 55 |
| Return on Equity (ROE) | 7.3100% | 3,207 |
| Retained earnings to average equity (ytd only) | 7.3092% | 1,787 |
| 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 | 84.5475% | 637 |
| Assets per employee ($millions) | 0.8313% | 4,497 |
| 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 | 0.4000% | 4,539 |
| Equity capital to assets | 92.9170% | 69 |
| Core capital (leverage) ratio | 97.7854% | 17 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 357.9263% | 24 |
| Memoranda: | ||
| Average total assets | $121,285,600 | 3,644 |
| Average earning assets | $111,075,400 | 3,637 |
| Average equity | $112,584,200 | 869 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6030% | 4,304 |
| Cost of funding earning assets | 0.1933% | 4,447 |
| Net interest margin | 3.4097% | 2,428 |
| Noninterest income to average assets | 46.7500% | 53 |
| Noninterest expense to average assets | 42.1195% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 5.9572% | 63 |
| Return on assets (ROA) | 3.2050% | 156 |
| Pretax return on assets | 4.2626% | 119 |
| Return on Equity (ROE) | 3.4500% | 4,053 |
| Retained earnings to average equity (ytd only) | 3.4536% | 3,398 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 84.4654% | 587 |
| Assets per employee ($millions) | 0.8108% | 4,526 |
| 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 | 0.4100% | 4,572 |
| Equity capital to assets | 92.7613% | 70 |
| Core capital (leverage) ratio | 93.4521% | 27 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 349.6209% | 24 |
| Memoranda: | ||
| Average total assets | $120,017,500 | 3,663 |
| Average earning assets | $109,683,500 | 3,662 |
| Average equity | $111,378,250 | 874 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4177% | 4,409 |
| Cost of funding earning assets | 0.1938% | 4,437 |
| Net interest margin | 3.2239% | 2,928 |
| Noninterest income to average assets | 47.6200% | 49 |
| Noninterest expense to average assets | 42.8095% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 5.8338% | 59 |
| Return on assets (ROA) | 5.5831% | 62 |
| Pretax return on assets | 7.4369% | 56 |
| Return on Equity (ROE) | 6.0200% | 3,686 |
| Retained earnings to average equity (ytd only) | 6.0153% | 2,616 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 84.6644% | 561 |
| Assets per employee ($millions) | 0.8159% | 4,556 |
| 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 | 0.4100% | 4,593 |
| Equity capital to assets | 93.1782% | 69 |
| Core capital (leverage) ratio | 96.9365% | 23 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 350.7075% | 23 |
| Memoranda: | ||
| Average total assets | $119,753,667 | 3,682 |
| Average earning assets | $109,370,667 | 3,677 |
| Average equity | $111,149,667 | 867 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1645% | 4,507 |
| Cost of funding earning assets | 0.1948% | 4,389 |
| Net interest margin | 2.9697% | 3,659 |
| Noninterest income to average assets | 48.8900% | 48 |
| Noninterest expense to average assets | 43.7097% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 5.7791% | 67 |
| Return on assets (ROA) | 8.6172% | 47 |
| Pretax return on assets | 11.4851% | 45 |
| Return on Equity (ROE) | 9.3000% | 2,969 |
| Retained earnings to average equity (ytd only) | 9.3026% | 1,862 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.7049% | 558 |
| Assets per employee ($millions) | 0.8364% | 4,620 |
| 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 | 0.4200% | 4,636 |
| Equity capital to assets | 92.7793% | 25 |
| Core capital (leverage) ratio | 95.3034% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 343.4173% | 21 |
| Memoranda: | ||
| Average total assets | $119,250,500 | 3,728 |
| Average earning assets | $108,832,000 | 3,731 |
| Average equity | $110,463,500 | 882 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2351% | 4,576 |
| Cost of funding earning assets | 0.1174% | 4,297 |
| Net interest margin | 2.1176% | 4,512 |
| Noninterest income to average assets | 47.3500% | 52 |
| Noninterest expense to average assets | 39.6260% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 7.5752% | 48 |
| Return on assets (ROA) | 1.2967% | 1,405 |
| Pretax return on assets | 1.7190% | 882 |
| Return on Equity (ROE) | 1.4000% | 4,448 |
| Retained earnings to average equity (ytd only) | 1.4029% | 4,122 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.3896% | 688 |
| Assets per employee ($millions) | 0.8142% | 4,653 |
| 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 | 0.4200% | 4,668 |
| Equity capital to assets | 92.4807% | 31 |
| Core capital (leverage) ratio | 94.9812% | 28 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 345.0773% | 24 |
| Memoranda: | ||
| Average total assets | $116,754,200 | 3,759 |
| Average earning assets | $107,290,600 | 3,758 |
| Average equity | $107,917,200 | 897 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9609% | 4,617 |
| Cost of funding earning assets | 0.1145% | 4,160 |
| Net interest margin | 1.8464% | 4,596 |
| Noninterest income to average assets | 47.8000% | 50 |
| Noninterest expense to average assets | 39.4566% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 7.9827% | 53 |
| Return on assets (ROA) | -1.0135% | 4,700 |
| Pretax return on assets | -1.3467% | 4,702 |
| Return on Equity (ROE) | -1.1000% | 4,593 |
| Retained earnings to average equity (ytd only) | -1.0966% | 4,430 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 79.7145% | 790 |
| Assets per employee ($millions) | 0.8202% | 4,693 |
| 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 | 0.4300% | 4,711 |
| Equity capital to assets | 92.3263% | 31 |
| Core capital (leverage) ratio | 91.9756% | 35 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 345.2758% | 22 |
| Memoranda: | ||
| Average total assets | $116,428,750 | 3,789 |
| Average earning assets | $107,159,750 | 3,779 |
| Average equity | $107,601,750 | 912 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7167% | 4,677 |
| Cost of funding earning assets | 0.1115% | 4,062 |
| Net interest margin | 1.6052% | 4,670 |
| Noninterest income to average assets | 49.1693% | 19 |
| Noninterest expense to average assets | 39.1699% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 9.0237% | 24 |
| Return on assets (ROA) | 0.4011% | 4,055 |
| Pretax return on assets | 0.5656% | 3,880 |
| Return on Equity (ROE) | 0.4338% | 4,520 |
| Retained earnings to average equity (ytd only) | 0.4338% | 4,103 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3341% | 1,143 |
| Assets per employee ($millions) | 0.8381% | 4,739 |
| 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 | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 0.4292% | 4,774 |
| Equity capital to assets | 92.6180% | 10 |
| Core capital (leverage) ratio | 93.3899% | 17 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 352.9918% | 8 |
| Memoranda: | ||
| Average total assets | $116,686,667 | 3,825 |
| Average earning assets | $107,648,000 | 3,827 |
| Average equity | $107,875,667 | 915 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5190% | 4,716 |
| Cost of funding earning assets | 0.1111% | 3,995 |
| Net interest margin | 1.4079% | 4,712 |
| Noninterest income to average assets | 50.5324% | 19 |
| Noninterest expense to average assets | 38.4756% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 10.4660% | 25 |
| Return on assets (ROA) | 1.3632% | 864 |
| Pretax return on assets | 1.8359% | 507 |
| Return on Equity (ROE) | 1.4759% | 4,346 |
| Retained earnings to average equity (ytd only) | 1.4759% | 3,701 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2285% | 1,717 |
| Assets per employee ($millions) | 0.8199% | 4,764 |
| 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 | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 0.4325% | 4,799 |
| Equity capital to assets | 93.4785% | 8 |
| Core capital (leverage) ratio | 93.4866% | 13 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 353.3434% | 7 |
| Memoranda: | ||
| Average total assets | $116,780,500 | 3,846 |
| Average earning assets | $107,962,500 | 3,834 |
| Average equity | $107,864,000 | 943 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4905% | 4,747 |
| Cost of funding earning assets | 0.1256% | 4,183 |
| Net interest margin | 1.3649% | 4,742 |
| Noninterest income to average assets | 50.4819% | 21 |
| Noninterest expense to average assets | 40.3779% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 8.8001% | 23 |
| Return on assets (ROA) | 6.7561% | 29 |
| Pretax return on assets | 8.7877% | 28 |
| Return on Equity (ROE) | 7.3417% | 3,428 |
| Retained earnings to average equity (ytd only) | 7.3417% | 1,787 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0204% | 943 |
| Assets per employee ($millions) | 0.8936% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 0.4239% | 4,842 |
| Equity capital to assets | 91.2732% | 9 |
| Core capital (leverage) ratio | 93.8969% | 8 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 363.9175% | 9 |
| Memoranda: | ||
| Average total assets | $112,816,600 | 3,872 |
| Average earning assets | $105,066,400 | 3,854 |
| Average equity | $103,817,400 | 983 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3293% | 4,842 |
| Cost of funding earning assets | 0.1272% | 4,287 |
| Net interest margin | 1.2021% | 4,841 |
| Noninterest income to average assets | 51.0494% | 21 |
| Noninterest expense to average assets | 40.7171% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 8.6610% | 25 |
| Return on assets (ROA) | 6.8846% | 30 |
| Pretax return on assets | 9.2026% | 29 |
| Return on Equity (ROE) | 7.4653% | 3,544 |
| Retained earnings to average equity (ytd only) | 7.4653% | 2,242 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0495% | 872 |
| Assets per employee ($millions) | 0.8849% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 0.4346% | 4,917 |
| Equity capital to assets | 91.9705% | 10 |
| Core capital (leverage) ratio | 94.6927% | 12 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 365.7552% | 9 |
| Memoranda: | ||
| Average total assets | $111,531,000 | 3,929 |
| Average earning assets | $103,811,750 | 3,914 |
| Average equity | $102,855,500 | 1,007 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2506% | 4,888 |
| Cost of funding earning assets | 0.1286% | 4,364 |
| Net interest margin | 1.1221% | 4,887 |
| Noninterest income to average assets | 51.8260% | 19 |
| Noninterest expense to average assets | 41.3223% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 8.7388% | 24 |
| Return on assets (ROA) | 6.7016% | 33 |
| Pretax return on assets | 8.9687% | 32 |
| Return on Equity (ROE) | 7.2600% | 3,591 |
| Retained earnings to average equity (ytd only) | 7.2600% | 2,339 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1586% | 899 |
| Assets per employee ($millions) | 0.9344% | 4,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 0.4459% | 4,953 |
| Equity capital to assets | 92.5235% | 11 |
| Core capital (leverage) ratio | 93.7721% | 14 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 369.1588% | 9 |
| Memoranda: | ||
| Average total assets | $110,361,667 | 3,959 |
| Average earning assets | $102,669,000 | 3,942 |
| Average equity | $101,873,333 | 1,010 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9359% | 4,947 |
| Cost of funding earning assets | 0.1298% | 4,458 |
| Net interest margin | 0.8061% | 4,943 |
| Noninterest income to average assets | 52.4258% | 19 |
| Noninterest expense to average assets | 41.3407% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 9.0159% | 25 |
| Return on assets (ROA) | 6.5509% | 43 |
| Pretax return on assets | 8.7139% | 39 |
| Return on Equity (ROE) | 7.1052% | 3,579 |
| Retained earnings to average equity (ytd only) | 7.1052% | 2,544 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7449% | 973 |
| Assets per employee ($millions) | 0.8514% | 4,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 0.4552% | 4,981 |
| Equity capital to assets | 92.7198% | 8 |
| Core capital (leverage) ratio | 94.3931% | 11 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 361.8391% | 9 |
| Memoranda: | ||
| Average total assets | $109,480,500 | 3,976 |
| Average earning assets | $101,723,000 | 3,963 |
| Average equity | $100,939,500 | 1,006 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7721% | 4,930 |
| Cost of funding earning assets | 0.1377% | 4,765 |
| Net interest margin | 1.6345% | 4,904 |
| Noninterest income to average assets | 49.7718% | 21 |
| Noninterest expense to average assets | 39.6704% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 8.9591% | 22 |
| Return on assets (ROA) | 9.3235% | 21 |
| Pretax return on assets | 12.0868% | 21 |
| Return on Equity (ROE) | 10.1346% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.1346% | 560 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3364% | 1,097 |
| Assets per employee ($millions) | 0.8872% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 0.4582% | 5,004 |
| Equity capital to assets | 91.6741% | 9 |
| Core capital (leverage) ratio | 94.3375% | 8 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 365.2137% | 6 |
| Memoranda: | ||
| Average total assets | $103,608,800 | 3,949 |
| Average earning assets | $96,607,400 | 3,930 |
| Average equity | $95,317,000 | 1,003 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7277% | 4,985 |
| Cost of funding earning assets | 0.1399% | 4,828 |
| Net interest margin | 1.5878% | 4,960 |
| Noninterest income to average assets | 50.2064% | 21 |
| Noninterest expense to average assets | 40.0138% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 8.3760% | 25 |
| Return on assets (ROA) | 9.0735% | 23 |
| Pretax return on assets | 12.5558% | 22 |
| Return on Equity (ROE) | 9.8536% | 2,068 |
| Retained earnings to average equity (ytd only) | 9.8536% | 796 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4161% | 1,095 |
| Assets per employee ($millions) | 0.9183% | 4,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 0.4694% | 5,036 |
| Equity capital to assets | 91.3845% | 9 |
| Core capital (leverage) ratio | 94.0810% | 10 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 369.5520% | 10 |
| Memoranda: | ||
| Average total assets | $102,228,750 | 3,964 |
| Average earning assets | $95,308,250 | 3,947 |
| Average equity | $94,135,500 | 1,000 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7377% | 5,031 |
| Cost of funding earning assets | 0.1429% | 4,897 |
| Net interest margin | 1.5948% | 5,006 |
| Noninterest income to average assets | 50.9269% | 18 |
| Noninterest expense to average assets | 41.2146% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 7.9236% | 20 |
| Return on assets (ROA) | 9.9128% | 19 |
| Pretax return on assets | 13.7144% | 16 |
| Return on Equity (ROE) | 10.7363% | 1,724 |
| Retained earnings to average equity (ytd only) | 10.7363% | 648 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6371% | 993 |
| Assets per employee ($millions) | 0.8921% | 5,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 0.4832% | 5,070 |
| Equity capital to assets | 92.1697% | 10 |
| Core capital (leverage) ratio | 94.2378% | 9 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 370.8359% | 9 |
| Memoranda: | ||
| Average total assets | $100,799,333 | 3,982 |
| Average earning assets | $93,802,333 | 3,974 |
| Average equity | $93,067,333 | 1,005 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7551% | 5,092 |
| Cost of funding earning assets | 0.1473% | 4,974 |
| Net interest margin | 1.6077% | 5,069 |
| Noninterest income to average assets | 51.7211% | 18 |
| Noninterest expense to average assets | 41.2605% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 8.2405% | 21 |
| Return on assets (ROA) | 12.2662% | 14 |
| Pretax return on assets | 17.0451% | 12 |
| Return on Equity (ROE) | 13.2736% | 833 |
| Retained earnings to average equity (ytd only) | 13.2736% | 298 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5432% | 1,392 |
| Assets per employee ($millions) | 0.8800% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 0.4984% | 5,118 |
| Equity capital to assets | 93.1419% | 12 |
| Core capital (leverage) ratio | 95.3703% | 12 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 362.7611% | 9 |
| Memoranda: | ||
| Average total assets | $99,688,500 | 4,001 |
| Average earning assets | $92,303,500 | 3,996 |
| Average equity | $92,123,000 | 1,013 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7476% | 5,102 |
| Cost of funding earning assets | 0.2046% | 4,956 |
| Net interest margin | 2.5430% | 4,947 |
| Noninterest income to average assets | 55.0007% | 21 |
| Noninterest expense to average assets | 40.7755% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 12.0697% | 16 |
| Return on assets (ROA) | 13.0808% | 16 |
| Pretax return on assets | 17.8741% | 14 |
| Return on Equity (ROE) | 14.3021% | 842 |
| Retained earnings to average equity (ytd only) | 14.3021% | 112 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0748% | 2,011 |
| Assets per employee ($millions) | 0.8614% | 5,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 0.5048% | 5,180 |
| Equity capital to assets | 91.6705% | 13 |
| Core capital (leverage) ratio | 98.6036% | 6 |
| Tier 1 risk-based capital ratio | 357.8280% | 14 |
| Total risk-based capital ratio | 357.8280% | 14 |
| Memoranda: | ||
| Average total assets | $92,357,000 | 4,108 |
| Average earning assets | $86,038,800 | 4,099 |
| Average equity | $84,470,200 | 1,039 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6084% | 5,205 |
| Cost of funding earning assets | 0.2081% | 5,020 |
| Net interest margin | 2.4004% | 5,105 |
| Noninterest income to average assets | 52.9441% | 21 |
| Noninterest expense to average assets | 41.0009% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 10.1173% | 17 |
| Return on assets (ROA) | 12.0535% | 15 |
| Pretax return on assets | 16.6335% | 15 |
| Return on Equity (ROE) | 13.1872% | 1,208 |
| Retained earnings to average equity (ytd only) | 13.1872% | 265 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2993% | 1,516 |
| Assets per employee ($millions) | 0.8067% | 5,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 0.5253% | 5,259 |
| Equity capital to assets | 91.3191% | 11 |
| Core capital (leverage) ratio | 94.1550% | 13 |
| Tier 1 risk-based capital ratio | 366.0224% | 14 |
| Total risk-based capital ratio | 366.0224% | 14 |
| Memoranda: | ||
| Average total assets | $90,682,000 | 4,185 |
| Average earning assets | $84,595,000 | 4,170 |
| Average equity | $82,886,250 | 1,049 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5377% | 5,266 |
| Cost of funding earning assets | 0.2117% | 5,047 |
| Net interest margin | 2.3261% | 5,185 |
| Noninterest income to average assets | 54.6621% | 18 |
| Noninterest expense to average assets | 42.1773% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 10.4306% | 17 |
| Return on assets (ROA) | 12.5319% | 14 |
| Pretax return on assets | 17.3132% | 14 |
| Return on Equity (ROE) | 13.7060% | 1,053 |
| Retained earnings to average equity (ytd only) | 13.7060% | 244 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2157% | 1,617 |
| Assets per employee ($millions) | 0.8025% | 5,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 0.5418% | 5,305 |
| Equity capital to assets | 91.3557% | 11 |
| Core capital (leverage) ratio | 94.2783% | 10 |
| Tier 1 risk-based capital ratio | 368.3282% | 10 |
| Total risk-based capital ratio | 368.3282% | 10 |
| Memoranda: | ||
| Average total assets | $89,180,670 | 4,236 |
| Average earning assets | $83,144,670 | 4,216 |
| Average equity | $81,540,670 | 1,058 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2507% | 5,348 |
| Cost of funding earning assets | 0.2162% | 5,082 |
| Net interest margin | 2.0345% | 5,309 |
| Noninterest income to average assets | 57.0066% | 17 |
| Noninterest expense to average assets | 43.4990% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 10.8916% | 16 |
| Return on assets (ROA) | 13.0374% | 14 |
| Pretax return on assets | 18.1136% | 11 |
| Return on Equity (ROE) | 14.2526% | 913 |
| Retained earnings to average equity (ytd only) | 14.2526% | 335 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.8568% | 1,774 |
| Assets per employee ($millions) | 0.7799% | 5,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | 0.0000% | 5,323 |
| Total domestic deposits to total assets | 0.5624% | 5,364 |
| Equity capital to assets | 91.7600% | 10 |
| Core capital (leverage) ratio | 94.5330% | 11 |
| Tier 1 risk-based capital ratio | 357.5022% | 9 |
| Total risk-based capital ratio | 357.5022% | 9 |
| Memoranda: | ||
| Average total assets | $87,625,000 | 4,303 |
| Average earning assets | $81,396,000 | 4,286 |
| Average equity | $80,154,000 | 1,070 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6983% | 5,316 |
| Cost of funding earning assets | 0.1361% | 5,213 |
| Net interest margin | 2.5623% | 5,178 |
| Noninterest income to average assets | 58.0144% | 17 |
| Noninterest expense to average assets | 44.1503% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 11.6777% | 14 |
| Return on assets (ROA) | 11.6777% | 14 |
| Pretax return on assets | 16.2357% | 12 |
| Return on Equity (ROE) | 12.8106% | 1,419 |
| Retained earnings to average equity (ytd only) | 12.8106% | 249 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1135% | 1,745 |
| Assets per employee ($millions) | 0.7380% | 5,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 0.5791% | 5,407 |
| Equity capital to assets | 91.1793% | 13 |
| Core capital (leverage) ratio | 94.9536% | 13 |
| Tier 1 risk-based capital ratio | 361.6095% | 14 |
| Total risk-based capital ratio | 361.6095% | 14 |
| Memoranda: | ||
| Average total assets | $81,000,600 | 4,417 |
| Average earning assets | $74,972,400 | 4,405 |
| Average equity | $73,837,400 | 1,104 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3978% | 5,420 |
| Cost of funding earning assets | 0.1377% | 5,252 |
| Net interest margin | 2.2601% | 5,366 |
| Noninterest income to average assets | 59.6665% | 16 |
| Noninterest expense to average assets | 46.4131% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 10.8736% | 15 |
| Return on assets (ROA) | 10.8736% | 15 |
| Pretax return on assets | 15.3405% | 14 |
| Return on Equity (ROE) | 11.9292% | 1,811 |
| Retained earnings to average equity (ytd only) | 11.9292% | 484 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1585% | 1,441 |
| Assets per employee ($millions) | 0.7182% | 5,440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 0.6001% | 5,480 |
| Equity capital to assets | 90.6401% | 12 |
| Core capital (leverage) ratio | 93.8856% | 13 |
| Tier 1 risk-based capital ratio | 357.6706% | 13 |
| Total risk-based capital ratio | 357.6706% | 13 |
| Memoranda: | ||
| Average total assets | $79,665,250 | 4,478 |
| Average earning assets | $73,564,250 | 4,473 |
| Average equity | $72,615,250 | 1,121 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1825% | 5,494 |
| Cost of funding earning assets | 0.1383% | 5,290 |
| Net interest margin | 2.0442% | 5,466 |
| Noninterest income to average assets | 61.4843% | 17 |
| Noninterest expense to average assets | 47.7939% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 10.9625% | 15 |
| Return on assets (ROA) | 10.9625% | 15 |
| Pretax return on assets | 15.5744% | 13 |
| Return on Equity (ROE) | 12.0030% | 1,721 |
| Retained earnings to average equity (ytd only) | 12.0030% | 517 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4224% | 1,503 |
| Assets per employee ($millions) | 0.6821% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 0.6265% | 5,545 |
| Equity capital to assets | 92.3277% | 12 |
| Core capital (leverage) ratio | 93.5860% | 13 |
| Tier 1 risk-based capital ratio | 367.8498% | 14 |
| Total risk-based capital ratio | 367.8498% | 14 |
| Memoranda: | ||
| Average total assets | $78,449,330 | 4,548 |
| Average earning assets | $72,301,000 | 4,544 |
| Average equity | $71,648,670 | 1,136 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8023% | 5,578 |
| Cost of funding earning assets | 0.1399% | 5,308 |
| Net interest margin | 1.6624% | 5,572 |
| Noninterest income to average assets | 63.3556% | 17 |
| Noninterest expense to average assets | 48.8514% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 10.7496% | 14 |
| Return on assets (ROA) | 10.7496% | 14 |
| Pretax return on assets | 16.0318% | 14 |
| Return on Equity (ROE) | 11.8362% | 1,640 |
| Retained earnings to average equity (ytd only) | 11.8362% | 712 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2913% | 1,705 |
| Assets per employee ($millions) | 0.6677% | 5,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | 0.0000% | 5,567 |
| Total domestic deposits to total assets | 0.6400% | 5,608 |
| Equity capital to assets | 91.3735% | 13 |
| Core capital (leverage) ratio | 92.1473% | 17 |
| Tier 1 risk-based capital ratio | 353.0392% | 15 |
| Total risk-based capital ratio | 353.0392% | 15 |
| Memoranda: | ||
| Average total assets | $77,770,500 | 4,609 |
| Average earning assets | $71,464,500 | 4,608 |
| Average equity | $70,631,000 | 1,162 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2820% | 5,592 |
| Cost of funding earning assets | 0.1449% | 5,288 |
| Net interest margin | 2.1372% | 5,550 |
| Noninterest income to average assets | 67.0504% | 17 |
| Noninterest expense to average assets | 48.4716% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 12.5280% | 12 |
| Return on assets (ROA) | 12.5280% | 12 |
| Pretax return on assets | 20.5351% | 11 |
| Return on Equity (ROE) | 13.9584% | 765 |
| Retained earnings to average equity (ytd only) | 13.9584% | 108 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2419% | 2,509 |
| Assets per employee ($millions) | 0.6452% | 5,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 0.6458% | 5,673 |
| Equity capital to assets | 90.2610% | 12 |
| Core capital (leverage) ratio | 93.4250% | 9 |
| Tier 1 risk-based capital ratio | 361.1981% | 13 |
| Total risk-based capital ratio | 361.1981% | 13 |
| Memoranda: | ||
| Average total assets | $73,148,000 | 4,722 |
| Average earning assets | $66,958,000 | 4,728 |
| Average equity | $65,652,400 | 1,215 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0585% | 5,675 |
| Cost of funding earning assets | 0.1479% | 5,324 |
| Net interest margin | 1.9106% | 5,654 |
| Noninterest income to average assets | 67.6234% | 19 |
| Noninterest expense to average assets | 49.0796% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 12.7522% | 16 |
| Return on assets (ROA) | 12.7522% | 16 |
| Pretax return on assets | 20.2881% | 15 |
| Return on Equity (ROE) | 14.2298% | 785 |
| Retained earnings to average equity (ytd only) | 14.2298% | 146 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7528% | 2,408 |
| Assets per employee ($millions) | 0.6344% | 5,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 0.6679% | 5,738 |
| Equity capital to assets | 90.7437% | 16 |
| Core capital (leverage) ratio | 95.9232% | 8 |
| Tier 1 risk-based capital ratio | 357.2150% | 11 |
| Total risk-based capital ratio | 357.2150% | 11 |
| Memoranda: | ||
| Average total assets | $72,079,750 | 4,789 |
| Average earning assets | $65,805,750 | 4,795 |
| Average equity | $64,595,250 | 1,235 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9066% | 5,738 |
| Cost of funding earning assets | 0.1481% | 5,351 |
| Net interest margin | 1.7585% | 5,722 |
| Noninterest income to average assets | 68.9575% | 18 |
| Noninterest expense to average assets | 49.5489% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 12.7835% | 14 |
| Return on assets (ROA) | 12.7835% | 14 |
| Pretax return on assets | 21.0108% | 13 |
| Return on Equity (ROE) | 14.3279% | 771 |
| Retained earnings to average equity (ytd only) | 14.3279% | 166 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2227% | 2,637 |
| Assets per employee ($millions) | 0.6342% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 0.6739% | 5,790 |
| Equity capital to assets | 88.3983% | 15 |
| Core capital (leverage) ratio | 96.1405% | 6 |
| Tier 1 risk-based capital ratio | 346.2936% | 12 |
| Total risk-based capital ratio | 346.2936% | 12 |
| Memoranda: | ||
| Average total assets | $71,154,000 | 4,839 |
| Average earning assets | $64,828,000 | 4,853 |
| Average equity | $63,484,330 | 1,249 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5719% | 5,819 |
| Cost of funding earning assets | 0.1515% | 5,361 |
| Net interest margin | 1.4204% | 5,811 |
| Noninterest income to average assets | 70.6562% | 18 |
| Noninterest expense to average assets | 50.5910% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 13.6947% | 14 |
| Return on assets (ROA) | 13.6947% | 14 |
| Pretax return on assets | 21.3577% | 13 |
| Return on Equity (ROE) | 15.2741% | 617 |
| Retained earnings to average equity (ytd only) | 15.2741% | 224 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3154% | 2,838 |
| Assets per employee ($millions) | 0.6018% | 5,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 0.7041% | 5,856 |
| Equity capital to assets | 89.4849% | 15 |
| Core capital (leverage) ratio | 96.7273% | 8 |
| Tier 1 risk-based capital ratio | 339.7765% | 14 |
| Total risk-based capital ratio | 339.7765% | 14 |
| Memoranda: | ||
| Average total assets | $69,633,000 | 4,922 |
| Average earning assets | $63,363,000 | 4,933 |
| Average equity | $62,432,500 | 1,270 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2152% | 5,823 |
| Cost of funding earning assets | 0.2012% | 5,001 |
| Net interest margin | 2.0140% | 5,806 |
| Noninterest income to average assets | 68.4919% | 18 |
| Noninterest expense to average assets | 51.2223% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 11.1499% | 14 |
| Return on assets (ROA) | 11.1460% | 14 |
| Pretax return on assets | 19.1031% | 13 |
| Return on Equity (ROE) | 12.4925% | 1,119 |
| Retained earnings to average equity (ytd only) | 12.4925% | 192 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8298% | 2,451 |
| Assets per employee ($millions) | 0.5987% | 5,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 0.7326% | 5,914 |
| Equity capital to assets | 89.8409% | 13 |
| Core capital (leverage) ratio | 96.0993% | 5 |
| Tier 1 risk-based capital ratio | 349.0040% | 13 |
| Total risk-based capital ratio | 349.0040% | 13 |
| Memoranda: | ||
| Average total assets | $65,288,000 | 5,024 |
| Average earning assets | $59,634,000 | 5,028 |
| Average equity | $58,251,000 | 1,323 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0034% | 5,907 |
| Cost of funding earning assets | 0.2037% | 5,035 |
| Net interest margin | 1.7997% | 5,896 |
| Noninterest income to average assets | 69.5853% | 17 |
| Noninterest expense to average assets | 52.0604% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 11.4106% | 14 |
| Return on assets (ROA) | 11.4106% | 15 |
| Pretax return on assets | 19.1671% | 13 |
| Return on Equity (ROE) | 12.8126% | 1,105 |
| Retained earnings to average equity (ytd only) | 12.8126% | 231 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0903% | 2,425 |
| Assets per employee ($millions) | 0.5589% | 5,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 0.7456% | 5,983 |
| Equity capital to assets | 89.7021% | 13 |
| Core capital (leverage) ratio | 96.2405% | 8 |
| Tier 1 risk-based capital ratio | 350.0000% | 13 |
| Total risk-based capital ratio | 350.0000% | 13 |
| Memoranda: | ||
| Average total assets | $64,546,500 | 5,086 |
| Average earning assets | $58,897,000 | 5,094 |
| Average equity | $57,483,750 | 1,343 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9270% | 5,998 |
| Cost of funding earning assets | 0.2068% | 5,080 |
| Net interest margin | 1.7202% | 5,988 |
| Noninterest income to average assets | 70.9456% | 17 |
| Noninterest expense to average assets | 52.3325% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 12.0111% | 11 |
| Return on assets (ROA) | 12.0111% | 12 |
| Pretax return on assets | 20.1796% | 12 |
| Return on Equity (ROE) | 13.5211% | 923 |
| Retained earnings to average equity (ytd only) | 13.5211% | 211 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1708% | 2,623 |
| Assets per employee ($millions) | 0.5530% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 0.7663% | 6,061 |
| Equity capital to assets | 89.7716% | 15 |
| Core capital (leverage) ratio | 93.8373% | 10 |
| Tier 1 risk-based capital ratio | 356.5898% | 12 |
| Total risk-based capital ratio | 356.5898% | 12 |
| Memoranda: | ||
| Average total assets | $63,708,000 | 5,154 |
| Average earning assets | $58,017,670 | 5,170 |
| Average equity | $56,593,000 | 1,367 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5675% | 6,079 |
| Cost of funding earning assets | 0.2109% | 5,097 |
| Net interest margin | 1.3567% | 6,076 |
| Noninterest income to average assets | 71.7416% | 16 |
| Noninterest expense to average assets | 53.9714% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 11.8023% | 13 |
| Return on assets (ROA) | 11.8023% | 13 |
| Pretax return on assets | 18.9968% | 11 |
| Return on Equity (ROE) | 13.3594% | 954 |
| Retained earnings to average equity (ytd only) | 13.3594% | 361 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9657% | 2,481 |
| Assets per employee ($millions) | 0.5373% | 6,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 0.7820% | 6,124 |
| Equity capital to assets | 88.4774% | 16 |
| Core capital (leverage) ratio | 93.6402% | 10 |
| Tier 1 risk-based capital ratio | 329.3491% | 16 |
| Total risk-based capital ratio | 329.3491% | 16 |
| Memoranda: | ||
| Average total assets | $62,937,000 | 5,223 |
| Average earning assets | $56,904,500 | 5,240 |
| Average equity | $55,601,500 | 1,386 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5013% | 6,124 |
| Cost of funding earning assets | 0.2283% | 5,023 |
| Net interest margin | 1.2730% | 6,127 |
| Noninterest income to average assets | 72.0717% | 19 |
| Noninterest expense to average assets | 54.4581% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 10.9452% | 17 |
| Return on assets (ROA) | 10.9410% | 17 |
| Pretax return on assets | 18.7087% | 15 |
| Return on Equity (ROE) | 12.8521% | 1,088 |
| Retained earnings to average equity (ytd only) | 12.8521% | 210 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4233% | 2,511 |
| Assets per employee ($millions) | 0.5036% | 6,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 0.8072% | 6,181 |
| Equity capital to assets | 88.2078% | 13 |
| Core capital (leverage) ratio | 92.3060% | 10 |
| Tier 1 risk-based capital ratio | 340.9360% | 14 |
| Total risk-based capital ratio | 340.9360% | 14 |
| Memoranda: | ||
| Average total assets | $60,725,600 | 5,306 |
| Average earning assets | $52,553,800 | 5,369 |
| Average equity | $51,695,800 | 1,436 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8940% | 6,242 |
| Cost of funding earning assets | 0.2325% | 5,068 |
| Net interest margin | 0.6614% | 6,243 |
| Noninterest income to average assets | 73.1213% | 19 |
| Noninterest expense to average assets | 53.2484% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 12.0262% | 14 |
| Return on assets (ROA) | 12.0262% | 14 |
| Pretax return on assets | 20.4379% | 13 |
| Return on Equity (ROE) | 14.2589% | 849 |
| Retained earnings to average equity (ytd only) | 14.2589% | 194 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2636% | 2,832 |
| Assets per employee ($millions) | 0.5060% | 6,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 0.8166% | 6,269 |
| Equity capital to assets | 87.3896% | 15 |
| Core capital (leverage) ratio | 93.7997% | 11 |
| Tier 1 risk-based capital ratio | 320.9705% | 16 |
| Total risk-based capital ratio | 320.9705% | 16 |
| Memoranda: | ||
| Average total assets | $60,422,250 | 5,378 |
| Average earning assets | $51,603,750 | 5,470 |
| Average equity | $50,961,000 | 1,466 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0672% | 6,345 |
| Cost of funding earning assets | 0.2373% | 5,079 |
| Net interest margin | -0.1701% | 6,347 |
| Noninterest income to average assets | 74.2029% | 19 |
| Noninterest expense to average assets | 53.5326% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 11.1514% | 17 |
| Return on assets (ROA) | 11.1514% | 17 |
| Pretax return on assets | 20.5273% | 15 |
| Return on Equity (ROE) | 13.3858% | 1,040 |
| Retained earnings to average equity (ytd only) | 13.3858% | 274 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2828% | 2,965 |
| Assets per employee ($millions) | 0.4804% | 6,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 0.8531% | 6,344 |
| Equity capital to assets | 88.2559% | 13 |
| Core capital (leverage) ratio | 93.3395% | 9 |
| Tier 1 risk-based capital ratio | 328.7676% | 15 |
| Total risk-based capital ratio | 328.7676% | 15 |
| Memoranda: | ||
| Average total assets | $60,154,000 | 5,443 |
| Average earning assets | $50,567,330 | 5,548 |
| Average equity | $50,112,670 | 1,494 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0641% | 6,416 |
| Cost of funding earning assets | 0.2404% | 5,124 |
| Net interest margin | -0.1763% | 6,418 |
| Noninterest income to average assets | 75.3032% | 18 |
| Noninterest expense to average assets | 55.3712% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 12.2967% | 16 |
| Return on assets (ROA) | 12.2967% | 16 |
| Pretax return on assets | 19.7876% | 14 |
| Return on Equity (ROE) | 15.1948% | 685 |
| Retained earnings to average equity (ytd only) | 15.1948% | 271 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6723% | 2,866 |
| Assets per employee ($millions) | 0.4969% | 6,387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 0.8247% | 6,417 |
| Equity capital to assets | 82.8751% | 26 |
| Core capital (leverage) ratio | 82.1541% | 26 |
| Tier 1 risk-based capital ratio | 331.8122% | 15 |
| Total risk-based capital ratio | 331.8122% | 15 |
| Memoranda: | ||
| Average total assets | $60,927,000 | 5,483 |
| Average earning assets | $49,915,500 | 5,618 |
| Average equity | $49,306,500 | 1,530 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0563% | 6,506 |
| Cost of funding earning assets | 0.0000% | 6,493 |
| Net interest margin | 0.0563% | 6,505 |
| Noninterest income to average assets | 75.9260% | 18 |
| Noninterest expense to average assets | 58.6291% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 10.7943% | 18 |
| Return on assets (ROA) | 10.7943% | 19 |
| Pretax return on assets | 17.3441% | 17 |
| Return on Equity (ROE) | 13.1281% | 1,109 |
| Retained earnings to average equity (ytd only) | 13.1281% | 218 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1708% | 2,332 |
| Assets per employee ($millions) | 0.5189% | 6,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 0.8166% | 6,507 |
| Equity capital to assets | 78.9985% | 27 |
| Core capital (leverage) ratio | 78.9985% | 26 |
| Tier 1 risk-based capital ratio | 343.1957% | 17 |
| Total risk-based capital ratio | 343.1957% | 17 |
| Memoranda: | ||
| Average total assets | $55,177,400 | 5,669 |
| Average earning assets | $46,197,200 | 5,768 |
| Average equity | $45,368,400 | 1,585 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0530% | 6,587 |
| Cost of funding earning assets | 0.0000% | 6,574 |
| Net interest margin | 0.0530% | 6,586 |
| Noninterest income to average assets | 78.1900% | 17 |
| Noninterest expense to average assets | 60.5674% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 11.0238% | 16 |
| Return on assets (ROA) | 11.0238% | 16 |
| Pretax return on assets | 17.6673% | 16 |
| Return on Equity (ROE) | 13.2589% | 1,149 |
| Retained earnings to average equity (ytd only) | 13.2589% | 300 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4175% | 2,282 |
| Assets per employee ($millions) | 0.4815% | 6,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 0.8801% | 6,586 |
| Equity capital to assets | 82.4635% | 23 |
| Core capital (leverage) ratio | 82.4635% | 23 |
| Tier 1 risk-based capital ratio | 341.9458% | 15 |
| Total risk-based capital ratio | 341.9458% | 15 |
| Memoranda: | ||
| Average total assets | $53,664,500 | 5,764 |
| Average earning assets | $45,310,000 | 5,854 |
| Average equity | $44,618,000 | 1,619 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0498% | 6,652 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 0.0498% | 6,651 |
| Noninterest income to average assets | 80.0722% | 17 |
| Noninterest expense to average assets | 62.4309% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 11.0767% | 15 |
| Return on assets (ROA) | 11.0767% | 15 |
| Pretax return on assets | 17.6832% | 15 |
| Return on Equity (ROE) | 13.2835% | 1,101 |
| Retained earnings to average equity (ytd only) | 13.2835% | 311 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9275% | 2,298 |
| Assets per employee ($millions) | 0.5651% | 6,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 0.9122% | 6,652 |
| Equity capital to assets | 82.6972% | 23 |
| Core capital (leverage) ratio | 82.6972% | 22 |
| Tier 1 risk-based capital ratio | 340.0960% | 13 |
| Total risk-based capital ratio | 340.0960% | 13 |
| Memoranda: | ||
| Average total assets | $52,615,000 | 5,843 |
| Average earning assets | $44,214,330 | 5,947 |
| Average equity | $43,874,000 | 1,635 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0280% | 6,726 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 0.0280% | 6,724 |
| Noninterest income to average assets | 81.4419% | 16 |
| Noninterest expense to average assets | 63.3428% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 11.3672% | 15 |
| Return on assets (ROA) | 11.3672% | 15 |
| Pretax return on assets | 18.1223% | 15 |
| Return on Equity (ROE) | 13.5722% | 1,019 |
| Retained earnings to average equity (ytd only) | 13.5722% | 427 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7545% | 2,511 |
| Assets per employee ($millions) | 0.4954% | 6,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 0.9800% | 6,722 |
| Equity capital to assets | 86.0002% | 24 |
| Core capital (leverage) ratio | 86.0002% | 18 |
| Tier 1 risk-based capital ratio | 303.4719% | 20 |
| Total risk-based capital ratio | 303.4719% | 20 |
| Memoranda: | ||
| Average total assets | $51,516,500 | 5,923 |
| Average earning assets | $42,844,000 | 6,030 |
| Average equity | $43,147,000 | 1,645 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0671% | 6,805 |
| Cost of funding earning assets | 0.0000% | 6,798 |
| Net interest margin | 0.0671% | 6,803 |
| Noninterest income to average assets | 72.7889% | 19 |
| Noninterest expense to average assets | 57.5005% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 9.8252% | 21 |
| Return on assets (ROA) | 9.8252% | 21 |
| Pretax return on assets | 15.3453% | 21 |
| Return on Equity (ROE) | 12.1013% | 1,384 |
| Retained earnings to average equity (ytd only) | 12.1013% | 310 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9346% | 2,334 |
| Assets per employee ($millions) | 0.5307% | 6,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 0.9613% | 6,805 |
| Equity capital to assets | 81.5501% | 26 |
| Core capital (leverage) ratio | 81.5501% | 20 |
| Tier 1 risk-based capital ratio | 341.5606% | 18 |
| Total risk-based capital ratio | 341.5606% | 18 |
| Memoranda: | ||
| Average total assets | $49,220,400 | 6,032 |
| Average earning assets | $41,699,200 | 6,122 |
| Average equity | $39,962,600 | 1,745 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0777% | 6,885 |
| Cost of funding earning assets | 0.0000% | 6,877 |
| Net interest margin | 0.0777% | 6,883 |
| Noninterest income to average assets | 72.5827% | 17 |
| Noninterest expense to average assets | 57.4754% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 9.4991% | 19 |
| Return on assets (ROA) | 9.4991% | 19 |
| Pretax return on assets | 15.1733% | 18 |
| Return on Equity (ROE) | 11.7135% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.7135% | 468 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1142% | 2,244 |
| Assets per employee ($millions) | 0.4970% | 6,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 1.0266% | 6,880 |
| Equity capital to assets | 84.2559% | 19 |
| Core capital (leverage) ratio | 84.2559% | 16 |
| Tier 1 risk-based capital ratio | 342.6234% | 14 |
| Total risk-based capital ratio | 342.6234% | 14 |
| Memoranda: | ||
| Average total assets | $48,522,750 | 6,123 |
| Average earning assets | $41,186,750 | 6,205 |
| Average equity | $39,349,500 | 1,786 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0979% | 6,935 |
| Cost of funding earning assets | 0.0049% | 6,916 |
| Net interest margin | 0.0930% | 6,932 |
| Noninterest income to average assets | 72.4975% | 17 |
| Noninterest expense to average assets | 56.7657% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 10.2554% | 18 |
| Return on assets (ROA) | 10.2554% | 18 |
| Pretax return on assets | 15.8102% | 16 |
| Return on Equity (ROE) | 12.8135% | 1,284 |
| Retained earnings to average equity (ytd only) | 12.8135% | 405 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2156% | 2,424 |
| Assets per employee ($millions) | 0.5140% | 6,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 0.9826% | 6,933 |
| Equity capital to assets | 78.7359% | 25 |
| Core capital (leverage) ratio | 78.7359% | 24 |
| Tier 1 risk-based capital ratio | 324.8257% | 16 |
| Total risk-based capital ratio | 324.8257% | 16 |
| Memoranda: | ||
| Average total assets | $48,462,330 | 6,161 |
| Average earning assets | $40,844,000 | 6,262 |
| Average equity | $38,787,330 | 1,809 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1078% | 7,014 |
| Cost of funding earning assets | 0.0098% | 6,984 |
| Net interest margin | 0.0980% | 7,011 |
| Noninterest income to average assets | 72.7427% | 18 |
| Noninterest expense to average assets | 58.2500% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 9.6420% | 21 |
| Return on assets (ROA) | 9.6420% | 21 |
| Pretax return on assets | 14.5773% | 19 |
| Return on Equity (ROE) | 11.9426% | 1,438 |
| Retained earnings to average equity (ytd only) | 11.9426% | 706 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9837% | 2,334 |
| Assets per employee ($millions) | 0.4802% | 6,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 1.0518% | 7,008 |
| Equity capital to assets | 81.4485% | 24 |
| Core capital (leverage) ratio | 81.4485% | 18 |
| Tier 1 risk-based capital ratio | 321.7467% | 16 |
| Total risk-based capital ratio | 321.7467% | 16 |
| Memoranda: | ||
| Average total assets | $47,251,500 | 6,259 |
| Average earning assets | $40,820,000 | 6,315 |
| Average equity | $38,149,000 | 1,859 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1437% | 7,077 |
| Cost of funding earning assets | 0.0705% | 7,021 |
| Net interest margin | 0.0731% | 7,077 |
| Noninterest income to average assets | 35.8457% | 28 |
| Noninterest expense to average assets | 29.1640% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 4.2075% | 56 |
| Return on assets (ROA) | 4.2075% | 57 |
| Pretax return on assets | 6.7484% | 45 |
| Return on Equity (ROE) | 9.8933% | 2,218 |
| Retained earnings to average equity (ytd only) | 9.8933% | 615 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2087% | 1,983 |
| Assets per employee ($millions) | 0.4944% | 7,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 1.0646% | 7,072 |
| Equity capital to assets | 80.0149% | 29 |
| Core capital (leverage) ratio | 80.0170% | 26 |
| Tier 1 risk-based capital ratio | 342.6331% | 18 |
| Total risk-based capital ratio | 342.6331% | 18 |
| Memoranda: | ||
| Average total assets | $83,946,000 | 5,247 |
| Average earning assets | $76,573,800 | 5,224 |
| Average equity | $35,701,000 | 1,939 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1167% | 7,178 |
| Cost of funding earning assets | 0.0560% | 7,140 |
| Net interest margin | 0.0607% | 7,178 |
| Noninterest income to average assets | 31.6717% | 26 |
| Noninterest expense to average assets | 26.1248% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 3.4437% | 74 |
| Return on assets (ROA) | 3.4437% | 78 |
| Pretax return on assets | 5.6027% | 50 |
| Return on Equity (ROE) | 9.1090% | 2,744 |
| Retained earnings to average equity (ytd only) | 9.1090% | 1,181 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3413% | 1,774 |
| Assets per employee ($millions) | 0.8954% | 7,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 53.1824% | 7,102 |
| Equity capital to assets | 38.7743% | 45 |
| Core capital (leverage) ratio | 38.7753% | 44 |
| Tier 1 risk-based capital ratio | 180.1403% | 37 |
| Total risk-based capital ratio | 180.1403% | 37 |
| Memoranda: | ||
| Average total assets | $93,191,250 | 5,053 |
| Average earning assets | $85,662,000 | 5,030 |
| Average equity | $35,231,500 | 1,979 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0989% | 7,241 |
| Cost of funding earning assets | 0.0471% | 7,211 |
| Net interest margin | 0.0518% | 7,242 |
| Noninterest income to average assets | 31.5251% | 27 |
| Noninterest expense to average assets | 26.2989% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 3.2438% | 90 |
| Return on assets (ROA) | 3.2438% | 91 |
| Pretax return on assets | 5.2736% | 57 |
| Return on Equity (ROE) | 8.6550% | 2,966 |
| Retained earnings to average equity (ytd only) | 8.6550% | 1,396 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2970% | 1,708 |
| Assets per employee ($millions) | 0.9492% | 7,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 53.7496% | 7,168 |
| Equity capital to assets | 38.2202% | 47 |
| Core capital (leverage) ratio | 38.2213% | 45 |
| Tier 1 risk-based capital ratio | 158.2402% | 33 |
| Total risk-based capital ratio | 158.2402% | 33 |
| Memoranda: | ||
| Average total assets | $92,916,330 | 5,093 |
| Average earning assets | $84,940,000 | 5,080 |
| Average equity | $34,824,000 | 1,980 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0656% | 7,303 |
| Cost of funding earning assets | 0.0609% | 7,264 |
| Net interest margin | 0.0047% | 7,304 |
| Noninterest income to average assets | 31.9871% | 26 |
| Noninterest expense to average assets | 26.2323% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 3.5407% | 81 |
| Return on assets (ROA) | 3.5407% | 91 |
| Pretax return on assets | 5.7591% | 52 |
| Return on Equity (ROE) | 9.5418% | 2,589 |
| Retained earnings to average equity (ytd only) | 9.5418% | 1,402 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9981% | 1,933 |
| Assets per employee ($millions) | 0.9896% | 7,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 54.9209% | 7,228 |
| Equity capital to assets | 38.3018% | 42 |
| Core capital (leverage) ratio | 38.3018% | 41 |
| Tier 1 risk-based capital ratio | 172.6152% | 32 |
| Total risk-based capital ratio | 172.6152% | 32 |
| Memoranda: | ||
| Average total assets | $92,862,500 | 5,130 |
| Average earning assets | $85,425,000 | 5,102 |
| Average equity | $34,459,000 | 2,006 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0740% | 7,355 |
| Cost of funding earning assets | 0.0592% | 7,323 |
| Net interest margin | 0.0148% | 7,355 |
| Noninterest income to average assets | 42.1480% | 25 |
| Noninterest expense to average assets | 35.8648% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 3.9137% | 52 |
| Return on assets (ROA) | 3.9137% | 54 |
| Pretax return on assets | 6.2964% | 48 |
| Return on Equity (ROE) | 7.1789% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.1789% | 1,415 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0658% | 1,664 |
| Assets per employee ($millions) | 1.0760% | 7,297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 52.8067% | 7,275 |
| Equity capital to assets | 35.9592% | 44 |
| Core capital (leverage) ratio | 35.9599% | 46 |
| Tier 1 risk-based capital ratio | 176.1094% | 28 |
| Total risk-based capital ratio | 176.1094% | 28 |
| Memoranda: | ||
| Average total assets | $60,351,600 | 6,025 |
| Average earning assets | $54,077,800 | 6,044 |
| Average equity | $32,902,200 | 2,026 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0836% | 7,434 |
| Cost of funding earning assets | 0.0490% | 7,403 |
| Net interest margin | 0.0346% | 7,433 |
| Noninterest income to average assets | 49.0121% | 22 |
| Noninterest expense to average assets | 42.0762% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 4.3037% | 53 |
| Return on assets (ROA) | 4.3037% | 54 |
| Pretax return on assets | 6.9668% | 47 |
| Return on Equity (ROE) | 6.8309% | 3,595 |
| Retained earnings to average equity (ytd only) | 6.8309% | 2,059 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7946% | 1,554 |
| Assets per employee ($millions) | 1.0460% | 7,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 54.9426% | 7,338 |
| Equity capital to assets | 36.6511% | 55 |
| Core capital (leverage) ratio | 36.6484% | 56 |
| Tier 1 risk-based capital ratio | 173.8700% | 35 |
| Total risk-based capital ratio | 173.8700% | 35 |
| Memoranda: | ||
| Average total assets | $51,768,250 | 6,368 |
| Average earning assets | $46,255,250 | 6,375 |
| Average equity | $32,615,750 | 2,038 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1077% | 7,508 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 0.1077% | 7,505 |
| Noninterest income to average assets | 66.1107% | 20 |
| Noninterest expense to average assets | 54.9552% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 6.9217% | 33 |
| Return on assets (ROA) | 6.9217% | 33 |
| Pretax return on assets | 11.2485% | 27 |
| Return on Equity (ROE) | 8.2732% | 2,819 |
| Retained earnings to average equity (ytd only) | 8.2732% | 1,352 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0093% | 1,954 |
| Assets per employee ($millions) | 0.4821% | 7,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 1.2347% | 7,505 |
| Equity capital to assets | 81.5567% | 23 |
| Core capital (leverage) ratio | 81.5557% | 21 |
| Tier 1 risk-based capital ratio | 348.7802% | 17 |
| Total risk-based capital ratio | 348.7802% | 17 |
| Memoranda: | ||
| Average total assets | $38,689,670 | 6,831 |
| Average earning assets | $33,426,330 | 6,891 |
| Average equity | $32,369,670 | 2,038 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1458% | 7,571 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 0.1458% | 7,565 |
| Noninterest income to average assets | 68.5651% | 20 |
| Noninterest expense to average assets | 56.5289% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 7.4843% | 33 |
| Return on assets (ROA) | 7.4843% | 35 |
| Pretax return on assets | 12.1632% | 28 |
| Return on Equity (ROE) | 8.8263% | 2,543 |
| Retained earnings to average equity (ytd only) | 8.8263% | 1,437 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2931% | 2,180 |
| Assets per employee ($millions) | 0.4479% | 7,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 1.3133% | 7,568 |
| Equity capital to assets | 85.0862% | 16 |
| Core capital (leverage) ratio | 85.0858% | 16 |
| Tier 1 risk-based capital ratio | 346.2640% | 16 |
| Total risk-based capital ratio | 346.2640% | 16 |
| Memoranda: | ||
| Average total assets | $37,786,000 | 6,914 |
| Average earning assets | $32,913,500 | 6,961 |
| Average equity | $32,040,500 | 2,044 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1569% | 7,648 |
| Cost of funding earning assets | 0.0000% | 7,641 |
| Net interest margin | 0.1569% | 7,638 |
| Noninterest income to average assets | 56.6711% | 22 |
| Noninterest expense to average assets | 51.4657% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 3.3685% | 57 |
| Return on assets (ROA) | 3.3685% | 58 |
| Pretax return on assets | 5.3417% | 47 |
| Return on Equity (ROE) | 3.9687% | 4,543 |
| Retained earnings to average equity (ytd only) | 3.9687% | 3,092 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 130.6667% | 193 |
| Efficiency ratio | 90.5968% | 1,277 |
| Assets per employee ($millions) | 0.4310% | 7,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 1.3333% | 7,647 |
| Equity capital to assets | 84.4987% | 21 |
| Core capital (leverage) ratio | 84.4983% | 19 |
| Tier 1 risk-based capital ratio | 376.2736% | 17 |
| Total risk-based capital ratio | 376.2736% | 17 |
| Memoranda: | ||
| Average total assets | $36,692,400 | 6,983 |
| Average earning assets | $31,858,400 | 7,024 |
| Average equity | $31,143,400 | 2,105 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1427% | 7,756 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 0.1427% | 7,749 |
| Noninterest income to average assets | 55.4870% | 23 |
| Noninterest expense to average assets | 50.2803% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 3.2921% | 67 |
| Return on assets (ROA) | 3.2921% | 70 |
| Pretax return on assets | 5.3309% | 46 |
| Return on Equity (ROE) | 3.8742% | 4,837 |
| Retained earnings to average equity (ytd only) | 3.8742% | 3,737 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 97.2640% | 317 |
| Efficiency ratio | 90.4139% | 1,250 |
| Assets per employee ($millions) | 0.4347% | 7,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 1.3375% | 7,752 |
| Equity capital to assets | 83.8719% | 21 |
| Core capital (leverage) ratio | 83.8711% | 19 |
| Tier 1 risk-based capital ratio | 1,110.5561% | 5 |
| Total risk-based capital ratio | 1,110.5561% | 5 |
| Memoranda: | ||
| Average total assets | $36,490,500 | 7,078 |
| Average earning assets | $31,777,000 | 7,112 |
| Average equity | $31,007,500 | 2,133 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1343% | 7,828 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 0.1343% | 7,818 |
| Noninterest income to average assets | 56.9166% | 21 |
| Noninterest expense to average assets | 49.8213% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 4.4373% | 41 |
| Return on assets (ROA) | 4.4373% | 41 |
| Pretax return on assets | 7.2113% | 34 |
| Return on Equity (ROE) | 5.1987% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.1987% | 2,778 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 145.0000% | 237 |
| Efficiency ratio | 87.3559% | 1,572 |
| Assets per employee ($millions) | 0.4061% | 7,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 1.4151% | 7,820 |
| Equity capital to assets | 88.4584% | 19 |
| Core capital (leverage) ratio | 88.4577% | 16 |
| Tier 1 risk-based capital ratio | 361.2228% | 18 |
| Total risk-based capital ratio | 361.2228% | 18 |
| Memoranda: | ||
| Average total assets | $36,193,330 | 7,136 |
| Average earning assets | $31,279,000 | 7,181 |
| Average equity | $30,892,330 | 2,134 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1168% | 7,930 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 0.1168% | 7,920 |
| Noninterest income to average assets | 58.0720% | 21 |
| Noninterest expense to average assets | 48.9849% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 5.6576% | 34 |
| Return on assets (ROA) | 5.6576% | 36 |
| Pretax return on assets | 9.1854% | 28 |
| Return on Equity (ROE) | 6.7468% | 3,477 |
| Retained earnings to average equity (ytd only) | 6.7468% | 2,241 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 210.2500% | 160 |
| Efficiency ratio | 84.2095% | 2,006 |
| Assets per employee ($millions) | 0.4083% | 7,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 1.3758% | 7,922 |
| Equity capital to assets | 85.2159% | 21 |
| Core capital (leverage) ratio | 85.2155% | 18 |
| Tier 1 risk-based capital ratio | 358.0645% | 17 |
| Total risk-based capital ratio | 358.0645% | 17 |
| Memoranda: | ||
| Average total assets | $36,623,500 | 7,212 |
| Average earning assets | $30,821,000 | 7,286 |
| Average equity | $30,711,000 | 2,172 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1555% | 8,007 |
| Cost of funding earning assets | 0.0000% | 8,000 |
| Net interest margin | 0.1555% | 7,997 |
| Noninterest income to average assets | 42.9827% | 28 |
| Noninterest expense to average assets | 41.7342% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8813% | 2,239 |
| Return on assets (ROA) | 0.8813% | 2,306 |
| Pretax return on assets | 1.3813% | 1,477 |
| Return on Equity (ROE) | 1.0299% | 5,222 |
| Retained earnings to average equity (ytd only) | 1.0299% | 4,313 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7964% | 1,280 |
| Assets per employee ($millions) | 0.4393% | 7,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 1.3549% | 7,999 |
| Equity capital to assets | 82.5168% | 25 |
| Core capital (leverage) ratio | 82.5159% | 21 |
| Tier 1 risk-based capital ratio | 401.3973% | 15 |
| Total risk-based capital ratio | 401.3973% | 15 |
| Memoranda: | ||
| Average total assets | $35,402,600 | 7,262 |
| Average earning assets | $30,234,400 | 7,346 |
| Average equity | $30,294,200 | 2,208 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1720% | 8,094 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 0.1720% | 8,083 |
| Noninterest income to average assets | 42.5334% | 29 |
| Noninterest expense to average assets | 41.1022% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.9706% | 2,160 |
| Return on assets (ROA) | 0.9706% | 2,214 |
| Pretax return on assets | 1.5797% | 1,217 |
| Return on Equity (ROE) | 1.1238% | 5,452 |
| Retained earnings to average equity (ytd only) | 1.1238% | 4,692 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2989% | 1,259 |
| Assets per employee ($millions) | 0.4231% | 8,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 1.4239% | 8,087 |
| Equity capital to assets | 86.5588% | 23 |
| Core capital (leverage) ratio | 86.5577% | 21 |
| Tier 1 risk-based capital ratio | 405.8352% | 13 |
| Total risk-based capital ratio | 405.8352% | 13 |
| Memoranda: | ||
| Average total assets | $35,027,250 | 7,335 |
| Average earning assets | $30,235,500 | 7,407 |
| Average equity | $30,254,750 | 2,238 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1721% | 8,189 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 0.1721% | 8,171 |
| Noninterest income to average assets | 42.3000% | 30 |
| Noninterest expense to average assets | 41.0484% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.8686% | 2,577 |
| Return on assets (ROA) | 0.8686% | 2,683 |
| Pretax return on assets | 1.4001% | 1,727 |
| Return on Equity (ROE) | 1.0064% | 5,634 |
| Retained earnings to average equity (ytd only) | 1.0064% | 4,770 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7017% | 1,333 |
| Assets per employee ($millions) | 0.4161% | 8,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 1.4304% | 8,184 |
| Equity capital to assets | 86.6604% | 22 |
| Core capital (leverage) ratio | 86.6592% | 22 |
| Tier 1 risk-based capital ratio | 401.1389% | 12 |
| Total risk-based capital ratio | 401.1389% | 12 |
| Memoranda: | ||
| Average total assets | $34,997,670 | 7,406 |
| Average earning assets | $30,210,670 | 7,475 |
| Average equity | $30,207,670 | 2,248 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1589% | 8,245 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 0.1589% | 8,224 |
| Noninterest income to average assets | 42.1720% | 31 |
| Noninterest expense to average assets | 41.4638% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.5254% | 4,313 |
| Return on assets (ROA) | 0.5254% | 4,500 |
| Pretax return on assets | 0.8453% | 3,904 |
| Return on Equity (ROE) | 0.6100% | 6,247 |
| Retained earnings to average equity (ytd only) | 0.6100% | 5,413 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0022% | 1,218 |
| Assets per employee ($millions) | 0.4180% | 8,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 1.3907% | 8,235 |
| Equity capital to assets | 83.9675% | 22 |
| Core capital (leverage) ratio | 83.9657% | 23 |
| Tier 1 risk-based capital ratio | 393.9956% | 13 |
| Total risk-based capital ratio | 393.9956% | 13 |
| Memoranda: | ||
| Average total assets | $35,018,500 | 7,448 |
| Average earning assets | $30,199,000 | 7,507 |
| Average equity | $30,165,000 | 2,259 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9715% | 8,226 |
| Cost of funding earning assets | 0.0296% | 8,279 |
| Net interest margin | 1.9419% | 8,096 |
| Noninterest income to average assets | 40.9653% | 35 |
| Noninterest expense to average assets | 41.6880% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6487% | 4,113 |
| Return on assets (ROA) | 0.6487% | 3,962 |
| Pretax return on assets | 0.9588% | 3,528 |
| Return on Equity (ROE) | 0.7563% | 5,991 |
| Retained earnings to average equity (ytd only) | 0.7563% | 4,775 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.7517% | 1,069 |
| Assets per employee ($millions) | 0.3963% | 8,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 1.4669% | 8,290 |
| Equity capital to assets | 88.4319% | 18 |
| Core capital (leverage) ratio | 88.4305% | 18 |
| Tier 1 risk-based capital ratio | 414.1542% | 12 |
| Total risk-based capital ratio | 414.1542% | 12 |
| Memoranda: | ||
| Average total assets | $35,146,800 | 7,415 |
| Average earning assets | $30,433,800 | 7,494 |
| Average equity | $30,147,200 | 2,251 |
| Average total loans | NA | NA |