Home > SEI Private Trust Company > Performance and Condition Ratios
SEI Private 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 | 3.7770% | 4,208 |
| Cost of funding earning assets | 0.0096% | 4,514 |
| Net interest margin | 3.7674% | 1,614 |
| Noninterest income to average assets | 121.2600% | 21 |
| Noninterest expense to average assets | 84.2429% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 29.5582% | 14 |
| Return on assets (ROA) | 29.4785% | 14 |
| Pretax return on assets | 39.6816% | 14 |
| Return on Equity (ROE) | 32.3900% | 150 |
| Retained earnings to average equity (ytd only) | 4.0277% | 2,951 |
| 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 | 67.9239% | 2,120 |
| Assets per employee ($millions) | 0.2777% | 4,537 |
| Cash dividends to net income (ytd only)* | 87.5657% | 421 |
| 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 | 0.2300% | 4,542 |
| Equity capital to assets | 91.8332% | 71 |
| Core capital (leverage) ratio | 90.5224% | 32 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 345.5498% | 26 |
| Memoranda: | ||
| Average total assets | $213,070,800 | 2,887 |
| Average earning assets | $156,420,400 | 3,194 |
| Average equity | $193,907,800 | 557 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7210% | 4,191 |
| Cost of funding earning assets | 0.0087% | 4,544 |
| Net interest margin | 3.7123% | 1,753 |
| Noninterest income to average assets | 121.7400% | 21 |
| Noninterest expense to average assets | 83.3733% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 30.3034% | 14 |
| Return on assets (ROA) | 30.2204% | 14 |
| Pretax return on assets | 40.9575% | 12 |
| Return on Equity (ROE) | 33.2800% | 177 |
| Retained earnings to average equity (ytd only) | 5.5555% | 2,763 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 67.0010% | 2,145 |
| Assets per employee ($millions) | 0.2748% | 4,574 |
| Cash dividends to net income (ytd only)* | 83.3090% | 422 |
| 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 | 0.2300% | 4,575 |
| Equity capital to assets | 91.2775% | 75 |
| Core capital (leverage) ratio | 90.6841% | 33 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 299.0968% | 32 |
| Memoranda: | ||
| Average total assets | $211,834,000 | 2,905 |
| Average earning assets | $153,719,250 | 3,229 |
| Average equity | $192,331,500 | 557 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6233% | 4,230 |
| Cost of funding earning assets | 0.0065% | 4,569 |
| Net interest margin | 3.6168% | 1,999 |
| Noninterest income to average assets | 122.3900% | 18 |
| Noninterest expense to average assets | 86.2665% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 28.6461% | 16 |
| Return on assets (ROA) | 28.5547% | 16 |
| Pretax return on assets | 38.6418% | 16 |
| Return on Equity (ROE) | 31.5100% | 190 |
| Retained earnings to average equity (ytd only) | 0.1015% | 4,053 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 68.9999% | 1,866 |
| Assets per employee ($millions) | 0.2735% | 4,599 |
| Cash dividends to net income (ytd only)* | 99.6777% | 332 |
| 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 | 0.2400% | 4,596 |
| Equity capital to assets | 89.9067% | 74 |
| Core capital (leverage) ratio | 86.7772% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 302.0467% | 29 |
| Memoranda: | ||
| Average total assets | $210,802,667 | 2,931 |
| Average earning assets | $153,616,333 | 3,238 |
| Average equity | $191,048,333 | 544 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4582% | 4,312 |
| Cost of funding earning assets | 0.0078% | 4,612 |
| Net interest margin | 3.4503% | 2,496 |
| Noninterest income to average assets | 122.8800% | 21 |
| Noninterest expense to average assets | 82.8553% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 31.5139% | 14 |
| Return on assets (ROA) | 31.4448% | 13 |
| Pretax return on assets | 42.4468% | 13 |
| Return on Equity (ROE) | 34.5600% | 164 |
| Retained earnings to average equity (ytd only) | 3.2119% | 3,455 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 66.0783% | 2,197 |
| Assets per employee ($millions) | 0.2741% | 4,654 |
| Cash dividends to net income (ytd only)* | 90.7057% | 517 |
| 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 | 0.2400% | 4,639 |
| Equity capital to assets | 90.7890% | 32 |
| Core capital (leverage) ratio | 86.8754% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 330.5107% | 25 |
| Memoranda: | ||
| Average total assets | $210,362,000 | 2,970 |
| Average earning assets | $153,028,000 | 3,290 |
| Average equity | $191,413,500 | 554 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3196% | 4,561 |
| Cost of funding earning assets | 0.0039% | 4,644 |
| Net interest margin | 2.3157% | 4,418 |
| Noninterest income to average assets | 127.1200% | 18 |
| Noninterest expense to average assets | 83.8743% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 33.1480% | 13 |
| Return on assets (ROA) | 32.9287% | 14 |
| Pretax return on assets | 44.6268% | 12 |
| Return on Equity (ROE) | 35.6900% | 71 |
| Retained earnings to average equity (ytd only) | 0.7022% | 4,243 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 65.1305% | 2,345 |
| Assets per employee ($millions) | 0.2788% | 4,687 |
| Cash dividends to net income (ytd only)* | 98.0324% | 224 |
| 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 | 0.2400% | 4,671 |
| Equity capital to assets | 91.3492% | 32 |
| Core capital (leverage) ratio | 88.1528% | 39 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 288.4437% | 31 |
| Memoranda: | ||
| Average total assets | $216,847,200 | 2,930 |
| Average earning assets | $155,243,200 | 3,277 |
| Average equity | $200,094,400 | 528 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0519% | 4,601 |
| Cost of funding earning assets | 0.0034% | 4,684 |
| Net interest margin | 2.0485% | 4,539 |
| Noninterest income to average assets | 127.6300% | 18 |
| Noninterest expense to average assets | 82.8858% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 34.0248% | 12 |
| Return on assets (ROA) | 33.7732% | 13 |
| Pretax return on assets | 45.9078% | 11 |
| Return on Equity (ROE) | 36.5100% | 55 |
| Retained earnings to average equity (ytd only) | 3.4641% | 3,643 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 64.1968% | 2,515 |
| Assets per employee ($millions) | 0.2810% | 4,725 |
| Cash dividends to net income (ytd only)* | 90.5125% | 292 |
| 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 | 0.2300% | 4,714 |
| Equity capital to assets | 91.5239% | 33 |
| Core capital (leverage) ratio | 90.7638% | 39 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 290.5679% | 28 |
| Memoranda: | ||
| Average total assets | $218,081,000 | 2,941 |
| Average earning assets | $157,316,750 | 3,289 |
| Average equity | $201,723,000 | 528 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8599% | 4,653 |
| Cost of funding earning assets | 0.0013% | 4,752 |
| Net interest margin | 1.8586% | 4,610 |
| Noninterest income to average assets | 128.7813% | 9 |
| Noninterest expense to average assets | 79.1636% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 37.5134% | 4 |
| Return on assets (ROA) | 37.2153% | 4 |
| Pretax return on assets | 50.5840% | 3 |
| Return on Equity (ROE) | 40.0956% | 25 |
| Retained earnings to average equity (ytd only) | 10.6309% | 866 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8366% | 3,199 |
| Assets per employee ($millions) | 0.3032% | 4,758 |
| Cash dividends to net income (ytd only)* | 73.4862% | 741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2244% | 4,777 |
| Equity capital to assets | 92.2237% | 11 |
| Core capital (leverage) ratio | 94.2469% | 16 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 292.4468% | 9 |
| Memoranda: | ||
| Average total assets | $219,393,667 | 2,951 |
| Average earning assets | $158,614,333 | 3,326 |
| Average equity | $203,633,333 | 519 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6295% | 4,699 |
| Cost of funding earning assets | 0.0025% | 4,767 |
| Net interest margin | 1.6270% | 4,665 |
| Noninterest income to average assets | 132.9242% | 9 |
| Noninterest expense to average assets | 84.1319% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 36.8194% | 6 |
| Return on assets (ROA) | 36.4610% | 6 |
| Pretax return on assets | 49.5263% | 4 |
| Return on Equity (ROE) | 39.1656% | 30 |
| Retained earnings to average equity (ytd only) | 9.4482% | 1,156 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7326% | 3,176 |
| Assets per employee ($millions) | 0.2976% | 4,783 |
| Cash dividends to net income (ytd only)* | 75.8764% | 761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2302% | 4,802 |
| Equity capital to assets | 93.1734% | 9 |
| Core capital (leverage) ratio | 93.2811% | 14 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 306.5688% | 10 |
| Memoranda: | ||
| Average total assets | $216,878,500 | 2,991 |
| Average earning assets | $158,333,000 | 3,345 |
| Average equity | $201,901,500 | 542 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7999% | 4,717 |
| Cost of funding earning assets | 0.0013% | 4,819 |
| Net interest margin | 1.7987% | 4,668 |
| Noninterest income to average assets | 136.4464% | 7 |
| Noninterest expense to average assets | 75.9772% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 45.7736% | 3 |
| Return on assets (ROA) | 45.3422% | 3 |
| Pretax return on assets | 61.2465% | 2 |
| Return on Equity (ROE) | 48.5392% | 19 |
| Retained earnings to average equity (ytd only) | 8.2226% | 1,452 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1479% | 3,803 |
| Assets per employee ($millions) | 0.3033% | 4,826 |
| Cash dividends to net income (ytd only)* | 83.0599% | 445 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.2309% | 4,845 |
| Equity capital to assets | 93.0149% | 7 |
| Core capital (leverage) ratio | 92.9105% | 10 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 311.6351% | 10 |
| Memoranda: | ||
| Average total assets | $212,420,400 | 2,965 |
| Average earning assets | $156,283,600 | 3,315 |
| Average equity | $198,429,400 | 552 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7631% | 4,807 |
| Cost of funding earning assets | 0.0017% | 4,890 |
| Net interest margin | 1.7614% | 4,759 |
| Noninterest income to average assets | 136.2556% | 8 |
| Noninterest expense to average assets | 74.8314% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 46.3664% | 3 |
| Return on assets (ROA) | 45.9374% | 3 |
| Pretax return on assets | 62.1747% | 2 |
| Return on Equity (ROE) | 49.1227% | 18 |
| Retained earnings to average equity (ytd only) | 12.0276% | 831 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.4034% | 3,742 |
| Assets per employee ($millions) | 0.3130% | 4,901 |
| Cash dividends to net income (ytd only)* | 75.5152% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2298% | 4,921 |
| Equity capital to assets | 93.6195% | 9 |
| Core capital (leverage) ratio | 95.6646% | 8 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 317.3392% | 12 |
| Memoranda: | ||
| Average total assets | $211,392,500 | 3,003 |
| Average earning assets | $155,255,500 | 3,355 |
| Average equity | $197,685,000 | 553 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7784% | 4,840 |
| Cost of funding earning assets | 0.0026% | 4,928 |
| Net interest margin | 1.7758% | 4,792 |
| Noninterest income to average assets | 137.3063% | 8 |
| Noninterest expense to average assets | 74.3381% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 47.2498% | 3 |
| Return on assets (ROA) | 46.8302% | 3 |
| Pretax return on assets | 63.7421% | 2 |
| Return on Equity (ROE) | 50.0967% | 24 |
| Retained earnings to average equity (ytd only) | 19.4365% | 172 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6306% | 3,848 |
| Assets per employee ($millions) | 0.3101% | 4,937 |
| Cash dividends to net income (ytd only)* | 61.2020% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2281% | 4,956 |
| Equity capital to assets | 93.6576% | 8 |
| Core capital (leverage) ratio | 98.6586% | 8 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 330.7538% | 10 |
| Memoranda: | ||
| Average total assets | $209,343,667 | 3,020 |
| Average earning assets | $153,844,000 | 3,377 |
| Average equity | $195,693,667 | 555 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8385% | 4,868 |
| Cost of funding earning assets | 0.0054% | 4,955 |
| Net interest margin | 1.8330% | 4,798 |
| Noninterest income to average assets | 135.2769% | 10 |
| Noninterest expense to average assets | 73.3604% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 46.7765% | 3 |
| Return on assets (ROA) | 46.2710% | 3 |
| Pretax return on assets | 62.5974% | 2 |
| Return on Equity (ROE) | 49.5491% | 32 |
| Retained earnings to average equity (ytd only) | 18.1160% | 362 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7054% | 3,820 |
| Assets per employee ($millions) | 0.3040% | 4,964 |
| Cash dividends to net income (ytd only)* | 63.4384% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2415% | 4,984 |
| Equity capital to assets | 94.2273% | 6 |
| Core capital (leverage) ratio | 95.9990% | 10 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 292.6357% | 11 |
| Memoranda: | ||
| Average total assets | $204,404,500 | 3,049 |
| Average earning assets | $147,296,500 | 3,452 |
| Average equity | $190,881,500 | 557 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0817% | 4,908 |
| Cost of funding earning assets | 0.0035% | 4,987 |
| Net interest margin | 2.0782% | 4,807 |
| Noninterest income to average assets | 132.8743% | 8 |
| Noninterest expense to average assets | 75.4032% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 43.6670% | 3 |
| Return on assets (ROA) | 43.3035% | 3 |
| Pretax return on assets | 58.5086% | 2 |
| Return on Equity (ROE) | 47.1054% | 21 |
| Retained earnings to average equity (ytd only) | 8.2634% | 981 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1153% | 3,975 |
| Assets per employee ($millions) | 0.3012% | 4,986 |
| Cash dividends to net income (ytd only)* | 82.4577% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2478% | 5,005 |
| Equity capital to assets | 92.5193% | 8 |
| Core capital (leverage) ratio | 93.3556% | 10 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 275.7099% | 10 |
| Memoranda: | ||
| Average total assets | $196,039,400 | 2,973 |
| Average earning assets | $141,275,800 | 3,369 |
| Average equity | $180,217,200 | 558 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1338% | 4,955 |
| Cost of funding earning assets | 0.0047% | 5,020 |
| Net interest margin | 2.1291% | 4,843 |
| Noninterest income to average assets | 132.1123% | 7 |
| Noninterest expense to average assets | 75.3961% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 42.3415% | 3 |
| Return on assets (ROA) | 42.0265% | 3 |
| Pretax return on assets | 57.8542% | 2 |
| Return on Equity (ROE) | 45.7925% | 25 |
| Retained earnings to average equity (ytd only) | 8.4651% | 1,149 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4135% | 3,872 |
| Assets per employee ($millions) | 0.3045% | 5,018 |
| Cash dividends to net income (ytd only)* | 81.5142% | 567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2496% | 5,037 |
| Equity capital to assets | 91.4569% | 8 |
| Core capital (leverage) ratio | 93.1096% | 12 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 305.6673% | 12 |
| Memoranda: | ||
| Average total assets | $194,599,250 | 2,965 |
| Average earning assets | $140,466,000 | 3,362 |
| Average equity | $178,595,500 | 554 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2714% | 4,996 |
| Cost of funding earning assets | 0.0058% | 5,052 |
| Net interest margin | 2.2655% | 4,850 |
| Noninterest income to average assets | 131.8265% | 7 |
| Noninterest expense to average assets | 76.2876% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 42.3176% | 3 |
| Return on assets (ROA) | 42.0880% | 4 |
| Pretax return on assets | 56.8685% | 2 |
| Return on Equity (ROE) | 45.8043% | 21 |
| Retained earnings to average equity (ytd only) | 11.9162% | 472 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1671% | 3,791 |
| Assets per employee ($millions) | 0.3216% | 5,050 |
| Cash dividends to net income (ytd only)* | 73.9846% | 857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2532% | 5,073 |
| Equity capital to assets | 92.5340% | 9 |
| Core capital (leverage) ratio | 94.0881% | 10 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 276.1148% | 11 |
| Memoranda: | ||
| Average total assets | $192,686,667 | 2,965 |
| Average earning assets | $137,803,333 | 3,376 |
| Average equity | $177,053,333 | 553 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5118% | 5,047 |
| Cost of funding earning assets | 0.0059% | 5,099 |
| Net interest margin | 2.5059% | 4,823 |
| Noninterest income to average assets | 138.8936% | 7 |
| Noninterest expense to average assets | 81.6461% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 43.8051% | 4 |
| Return on assets (ROA) | 43.5925% | 5 |
| Pretax return on assets | 58.7778% | 2 |
| Return on Equity (ROE) | 47.6157% | 16 |
| Retained earnings to average equity (ytd only) | 13.1748% | 305 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0314% | 3,995 |
| Assets per employee ($millions) | 0.3211% | 5,099 |
| Cash dividends to net income (ytd only)* | 72.3310% | 1,153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2586% | 5,119 |
| Equity capital to assets | 91.9190% | 14 |
| Core capital (leverage) ratio | 93.3390% | 16 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 304.4070% | 11 |
| Memoranda: | ||
| Average total assets | $190,289,500 | 2,952 |
| Average earning assets | $136,635,000 | 3,359 |
| Average equity | $174,211,500 | 560 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7870% | 5,093 |
| Cost of funding earning assets | 0.0064% | 5,161 |
| Net interest margin | 2.7806% | 4,770 |
| Noninterest income to average assets | 146.9108% | 6 |
| Noninterest expense to average assets | 83.5792% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 48.6194% | 2 |
| Return on assets (ROA) | 48.4028% | 2 |
| Pretax return on assets | 64.9945% | 2 |
| Return on Equity (ROE) | 53.2341% | 10 |
| Retained earnings to average equity (ytd only) | 10.3167% | 435 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1507% | 4,183 |
| Assets per employee ($millions) | 0.3111% | 5,160 |
| Cash dividends to net income (ytd only)* | 80.6201% | 771 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2670% | 5,181 |
| Equity capital to assets | 91.1706% | 15 |
| Core capital (leverage) ratio | 92.4061% | 14 |
| Tier 1 risk-based capital ratio | 273.8724% | 16 |
| Total risk-based capital ratio | 273.8724% | 16 |
| Memoranda: | ||
| Average total assets | $179,384,400 | 3,026 |
| Average earning assets | $124,973,800 | 3,494 |
| Average equity | $163,104,000 | 569 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9152% | 5,166 |
| Cost of funding earning assets | 0.0054% | 5,244 |
| Net interest margin | 2.9098% | 4,744 |
| Noninterest income to average assets | 148.1917% | 5 |
| Noninterest expense to average assets | 84.1139% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 49.2539% | 2 |
| Return on assets (ROA) | 49.0490% | 2 |
| Pretax return on assets | 65.8484% | 2 |
| Return on Equity (ROE) | 53.9835% | 8 |
| Retained earnings to average equity (ytd only) | 12.6276% | 315 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9932% | 4,168 |
| Assets per employee ($millions) | 0.3015% | 5,239 |
| Cash dividends to net income (ytd only)* | 76.6084% | 755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2723% | 5,261 |
| Equity capital to assets | 92.1406% | 10 |
| Core capital (leverage) ratio | 91.6704% | 15 |
| Tier 1 risk-based capital ratio | 286.1327% | 17 |
| Total risk-based capital ratio | 286.1327% | 17 |
| Memoranda: | ||
| Average total assets | $177,415,250 | 3,075 |
| Average earning assets | $123,761,750 | 3,548 |
| Average equity | $161,198,250 | 579 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9686% | 5,216 |
| Cost of funding earning assets | 0.0050% | 5,290 |
| Net interest margin | 2.9637% | 4,742 |
| Noninterest income to average assets | 150.0028% | 5 |
| Noninterest expense to average assets | 86.7936% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 48.3078% | 2 |
| Return on assets (ROA) | 48.1041% | 3 |
| Pretax return on assets | 64.9931% | 2 |
| Return on Equity (ROE) | 53.2054% | 8 |
| Retained earnings to average equity (ytd only) | 15.3583% | 153 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0843% | 4,120 |
| Assets per employee ($millions) | 0.2968% | 5,287 |
| Cash dividends to net income (ytd only)* | 71.1339% | 1,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2762% | 5,308 |
| Equity capital to assets | 91.6469% | 9 |
| Core capital (leverage) ratio | 91.3866% | 18 |
| Tier 1 risk-based capital ratio | 262.6489% | 19 |
| Total risk-based capital ratio | 262.6489% | 19 |
| Memoranda: | ||
| Average total assets | $175,344,670 | 3,107 |
| Average earning assets | $120,796,670 | 3,613 |
| Average equity | $158,532,670 | 583 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0151% | 5,267 |
| Cost of funding earning assets | 0.0067% | 5,347 |
| Net interest margin | 3.0084% | 4,739 |
| Noninterest income to average assets | 153.0175% | 5 |
| Noninterest expense to average assets | 92.9830% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 45.9700% | 3 |
| Return on assets (ROA) | 45.7703% | 3 |
| Pretax return on assets | 61.8735% | 2 |
| Return on Equity (ROE) | 50.9896% | 13 |
| Retained earnings to average equity (ytd only) | 12.2378% | 573 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9468% | 3,811 |
| Assets per employee ($millions) | 0.2797% | 5,346 |
| Cash dividends to net income (ytd only)* | 75.9994% | 997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2874% | 5,367 |
| Equity capital to assets | 90.6139% | 12 |
| Core capital (leverage) ratio | 88.4833% | 16 |
| Tier 1 risk-based capital ratio | 287.1659% | 14 |
| Total risk-based capital ratio | 287.1659% | 14 |
| Memoranda: | ||
| Average total assets | $172,487,500 | 3,165 |
| Average earning assets | $119,931,000 | 3,658 |
| Average equity | $154,831,500 | 593 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5847% | 5,335 |
| Cost of funding earning assets | 0.0060% | 5,390 |
| Net interest margin | 2.5787% | 5,167 |
| Noninterest income to average assets | 166.3767% | 5 |
| Noninterest expense to average assets | 104.0658% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 48.9224% | 3 |
| Return on assets (ROA) | 48.6611% | 3 |
| Pretax return on assets | 63.7994% | 2 |
| Return on Equity (ROE) | 53.9190% | 6 |
| Retained earnings to average equity (ytd only) | 13.8712% | 169 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8718% | 3,556 |
| Assets per employee ($millions) | 0.2727% | 5,390 |
| Cash dividends to net income (ytd only)* | 74.2740% | 904 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2924% | 5,409 |
| Equity capital to assets | 88.8992% | 17 |
| Core capital (leverage) ratio | 87.5890% | 17 |
| Tier 1 risk-based capital ratio | 278.6365% | 18 |
| Total risk-based capital ratio | 278.6365% | 18 |
| Memoranda: | ||
| Average total assets | $166,009,400 | 3,209 |
| Average earning assets | $117,112,400 | 3,693 |
| Average equity | $149,821,000 | 570 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5454% | 5,404 |
| Cost of funding earning assets | 0.0057% | 5,461 |
| Net interest margin | 2.5396% | 5,261 |
| Noninterest income to average assets | 168.2190% | 5 |
| Noninterest expense to average assets | 105.2338% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 49.4760% | 4 |
| Return on assets (ROA) | 49.1966% | 4 |
| Pretax return on assets | 64.4313% | 2 |
| Return on Equity (ROE) | 54.3018% | 7 |
| Retained earnings to average equity (ytd only) | 31.9715% | 10 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8954% | 3,526 |
| Assets per employee ($millions) | 0.2991% | 5,459 |
| Cash dividends to net income (ytd only)* | 41.1225% | 2,006 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.2722% | 5,483 |
| Equity capital to assets | 90.5852% | 13 |
| Core capital (leverage) ratio | 99.6250% | 5 |
| Tier 1 risk-based capital ratio | 256.6210% | 20 |
| Total risk-based capital ratio | 256.6210% | 20 |
| Memoranda: | ||
| Average total assets | $164,760,500 | 3,248 |
| Average earning assets | $116,759,000 | 3,739 |
| Average equity | $149,270,750 | 570 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5796% | 5,460 |
| Cost of funding earning assets | 0.0053% | 5,524 |
| Net interest margin | 2.5743% | 5,291 |
| Noninterest income to average assets | 176.9917% | 5 |
| Noninterest expense to average assets | 111.6472% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 52.2257% | 3 |
| Return on assets (ROA) | 51.9495% | 3 |
| Pretax return on assets | 66.8401% | 2 |
| Return on Equity (ROE) | 57.3370% | 7 |
| Retained earnings to average equity (ytd only) | 22.5113% | 43 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4296% | 3,570 |
| Assets per employee ($millions) | 0.2650% | 5,526 |
| Cash dividends to net income (ytd only)* | 60.7386% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3078% | 5,547 |
| Equity capital to assets | 90.6500% | 15 |
| Core capital (leverage) ratio | 90.5439% | 17 |
| Tier 1 risk-based capital ratio | 269.0364% | 20 |
| Total risk-based capital ratio | 269.0364% | 20 |
| Memoranda: | ||
| Average total assets | $158,461,670 | 3,338 |
| Average earning assets | $113,583,000 | 3,816 |
| Average equity | $143,572,330 | 589 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4790% | 5,539 |
| Cost of funding earning assets | 0.0070% | 5,590 |
| Net interest margin | 2.4720% | 5,412 |
| Noninterest income to average assets | 180.6516% | 5 |
| Noninterest expense to average assets | 115.8463% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 52.1087% | 3 |
| Return on assets (ROA) | 51.8361% | 3 |
| Pretax return on assets | 66.2600% | 2 |
| Return on Equity (ROE) | 57.2269% | 10 |
| Retained earnings to average equity (ytd only) | 57.2269% | 3 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4943% | 3,563 |
| Assets per employee ($millions) | 0.2717% | 5,587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3047% | 5,610 |
| Equity capital to assets | 92.1663% | 11 |
| Core capital (leverage) ratio | 94.0193% | 12 |
| Tier 1 risk-based capital ratio | 291.1123% | 19 |
| Total risk-based capital ratio | 291.1123% | 19 |
| Memoranda: | ||
| Average total assets | $156,462,500 | 3,400 |
| Average earning assets | $113,915,500 | 3,851 |
| Average equity | $141,723,500 | 606 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1500% | 5,601 |
| Cost of funding earning assets | 0.0025% | 5,656 |
| Net interest margin | 2.1475% | 5,548 |
| Noninterest income to average assets | 165.8033% | 5 |
| Noninterest expense to average assets | 115.1871% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 31.3667% | 5 |
| Return on assets (ROA) | 31.0801% | 5 |
| Pretax return on assets | 51.7771% | 4 |
| Return on Equity (ROE) | 34.5442% | 23 |
| Retained earnings to average equity (ytd only) | -4.2362% | 5,407 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8045% | 2,746 |
| Assets per employee ($millions) | 0.3693% | 5,648 |
| Cash dividends to net income (ytd only)* | 112.2632% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3360% | 5,675 |
| Equity capital to assets | 88.8307% | 16 |
| Core capital (leverage) ratio | 81.1248% | 22 |
| Tier 1 risk-based capital ratio | 281.6422% | 18 |
| Total risk-based capital ratio | 281.6422% | 18 |
| Memoranda: | ||
| Average total assets | $157,631,400 | 3,386 |
| Average earning assets | $118,093,000 | 3,784 |
| Average equity | $141,824,200 | 572 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1048% | 5,671 |
| Cost of funding earning assets | 0.0022% | 5,723 |
| Net interest margin | 2.1026% | 5,621 |
| Noninterest income to average assets | 160.5883% | 5 |
| Noninterest expense to average assets | 112.9521% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 31.1653% | 6 |
| Return on assets (ROA) | 30.8807% | 6 |
| Pretax return on assets | 48.7798% | 5 |
| Return on Equity (ROE) | 34.2215% | 21 |
| Retained earnings to average equity (ytd only) | 11.1107% | 404 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6476% | 2,591 |
| Assets per employee ($millions) | 0.2894% | 5,716 |
| Cash dividends to net income (ytd only)* | 67.5329% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3025% | 5,741 |
| Equity capital to assets | 91.1999% | 14 |
| Core capital (leverage) ratio | 94.0076% | 10 |
| Tier 1 risk-based capital ratio | 299.4567% | 15 |
| Total risk-based capital ratio | 299.4567% | 15 |
| Memoranda: | ||
| Average total assets | $159,832,500 | 3,378 |
| Average earning assets | $120,736,750 | 3,774 |
| Average equity | $144,229,250 | 564 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0988% | 5,723 |
| Cost of funding earning assets | 0.0000% | 5,773 |
| Net interest margin | 2.0988% | 5,674 |
| Noninterest income to average assets | 160.5354% | 5 |
| Noninterest expense to average assets | 114.1210% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 30.5205% | 7 |
| Return on assets (ROA) | 30.2354% | 7 |
| Pretax return on assets | 47.5535% | 6 |
| Return on Equity (ROE) | 33.6314% | 25 |
| Retained earnings to average equity (ytd only) | -1.5641% | 5,303 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3929% | 2,602 |
| Assets per employee ($millions) | 0.2780% | 5,770 |
| Cash dividends to net income (ytd only)* | 104.6507% | 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% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3253% | 5,793 |
| Equity capital to assets | 89.4931% | 13 |
| Core capital (leverage) ratio | 88.0583% | 17 |
| Tier 1 risk-based capital ratio | 296.5735% | 17 |
| Total risk-based capital ratio | 296.5735% | 17 |
| Memoranda: | ||
| Average total assets | $158,020,000 | 3,416 |
| Average earning assets | $119,307,670 | 3,819 |
| Average equity | $142,063,670 | 576 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8765% | 5,809 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 1.8765% | 5,775 |
| Noninterest income to average assets | 157.9057% | 5 |
| Noninterest expense to average assets | 113.0948% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 28.4370% | 7 |
| Return on assets (ROA) | 28.1157% | 7 |
| Pretax return on assets | 45.7374% | 6 |
| Return on Equity (ROE) | 31.2055% | 38 |
| Retained earnings to average equity (ytd only) | 31.2055% | 24 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9796% | 2,742 |
| Assets per employee ($millions) | 0.4102% | 5,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3025% | 5,860 |
| Equity capital to assets | 90.6585% | 12 |
| Core capital (leverage) ratio | 98.8714% | 3 |
| Tier 1 risk-based capital ratio | 315.0006% | 17 |
| Total risk-based capital ratio | 315.0006% | 17 |
| Memoranda: | ||
| Average total assets | $160,166,500 | 3,430 |
| Average earning assets | $121,929,500 | 3,810 |
| Average equity | $144,308,000 | 558 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0472% | 5,838 |
| Cost of funding earning assets | 0.0019% | 5,893 |
| Net interest margin | 2.0454% | 5,798 |
| Noninterest income to average assets | 172.3442% | 4 |
| Noninterest expense to average assets | 123.4907% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 31.2677% | 6 |
| Return on assets (ROA) | 30.9700% | 6 |
| Pretax return on assets | 49.8810% | 5 |
| Return on Equity (ROE) | 34.5781% | 24 |
| Retained earnings to average equity (ytd only) | 7.8444% | 905 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0382% | 2,740 |
| Assets per employee ($millions) | 0.3119% | 5,893 |
| Cash dividends to net income (ytd only)* | 77.3139% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3225% | 5,917 |
| Equity capital to assets | 89.5018% | 15 |
| Core capital (leverage) ratio | 93.9192% | 10 |
| Tier 1 risk-based capital ratio | 303.8320% | 16 |
| Total risk-based capital ratio | 303.8320% | 16 |
| Memoranda: | ||
| Average total assets | $146,173,800 | 3,575 |
| Average earning assets | $106,680,800 | 4,064 |
| Average equity | $130,921,200 | 611 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0738% | 5,903 |
| Cost of funding earning assets | 0.0026% | 5,960 |
| Net interest margin | 2.0712% | 5,855 |
| Noninterest income to average assets | 174.7915% | 4 |
| Noninterest expense to average assets | 125.1531% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 31.4355% | 6 |
| Return on assets (ROA) | 31.1433% | 6 |
| Pretax return on assets | 50.6775% | 5 |
| Return on Equity (ROE) | 34.7650% | 22 |
| Retained earnings to average equity (ytd only) | -1.4195% | 5,545 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9939% | 2,741 |
| Assets per employee ($millions) | 0.2934% | 5,960 |
| Cash dividends to net income (ytd only)* | 104.0830% | 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% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3443% | 5,986 |
| Equity capital to assets | 88.1419% | 16 |
| Core capital (leverage) ratio | 87.8826% | 17 |
| Tier 1 risk-based capital ratio | 278.1860% | 18 |
| Total risk-based capital ratio | 278.1860% | 18 |
| Memoranda: | ||
| Average total assets | $143,963,000 | 3,623 |
| Average earning assets | $103,961,750 | 4,142 |
| Average equity | $128,965,750 | 625 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1402% | 5,982 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 2.1402% | 5,918 |
| Noninterest income to average assets | 170.9082% | 4 |
| Noninterest expense to average assets | 125.4801% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 28.6395% | 7 |
| Return on assets (ROA) | 28.3649% | 7 |
| Pretax return on assets | 46.5372% | 5 |
| Return on Equity (ROE) | 31.4926% | 35 |
| Retained earnings to average equity (ytd only) | 8.2874% | 1,076 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7647% | 2,553 |
| Assets per employee ($millions) | 0.3097% | 6,038 |
| Cash dividends to net income (ytd only)* | 73.6847% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3350% | 6,064 |
| Equity capital to assets | 90.3800% | 13 |
| Core capital (leverage) ratio | 92.1460% | 13 |
| Tier 1 risk-based capital ratio | 305.6466% | 16 |
| Total risk-based capital ratio | 305.6466% | 16 |
| Memoranda: | ||
| Average total assets | $143,536,670 | 3,651 |
| Average earning assets | $103,168,330 | 4,193 |
| Average equity | $129,281,330 | 620 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3543% | 6,009 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 2.3543% | 5,899 |
| Noninterest income to average assets | 172.3940% | 4 |
| Noninterest expense to average assets | 128.7651% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 27.6592% | 6 |
| Return on assets (ROA) | 27.4063% | 6 |
| Pretax return on assets | 44.8686% | 5 |
| Return on Equity (ROE) | 30.4842% | 47 |
| Retained earnings to average equity (ytd only) | -16.9596% | 5,931 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9906% | 2,478 |
| Assets per employee ($millions) | 0.2872% | 6,103 |
| Cash dividends to net income (ytd only)* | 155.6339% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3665% | 6,126 |
| Equity capital to assets | 90.9005% | 13 |
| Core capital (leverage) ratio | 85.6713% | 20 |
| Tier 1 risk-based capital ratio | 249.8461% | 19 |
| Total risk-based capital ratio | 249.8461% | 19 |
| Memoranda: | ||
| Average total assets | $140,668,500 | 3,730 |
| Average earning assets | $97,692,000 | 4,345 |
| Average equity | $126,465,500 | 636 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1177% | 6,086 |
| Cost of funding earning assets | 0.0020% | 6,162 |
| Net interest margin | 2.1157% | 6,021 |
| Noninterest income to average assets | 181.2988% | 4 |
| Noninterest expense to average assets | 123.9257% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 36.0882% | 7 |
| Return on assets (ROA) | 35.8322% | 7 |
| Pretax return on assets | 58.5136% | 4 |
| Return on Equity (ROE) | 40.2780% | 27 |
| Retained earnings to average equity (ytd only) | 11.9685% | 251 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7784% | 3,607 |
| Assets per employee ($millions) | 0.3083% | 6,163 |
| Cash dividends to net income (ytd only)* | 70.2854% | 1,236 |
| 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% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3450% | 6,186 |
| Equity capital to assets | 88.9645% | 12 |
| Core capital (leverage) ratio | 90.9156% | 13 |
| Tier 1 risk-based capital ratio | 275.8819% | 19 |
| Total risk-based capital ratio | 275.8819% | 19 |
| Memoranda: | ||
| Average total assets | $138,972,800 | 3,739 |
| Average earning assets | $101,197,000 | 4,258 |
| Average equity | $123,633,200 | 619 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1805% | 6,170 |
| Cost of funding earning assets | 0.0027% | 6,246 |
| Net interest margin | 2.1779% | 6,080 |
| Noninterest income to average assets | 184.6358% | 4 |
| Noninterest expense to average assets | 118.9654% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 41.2431% | 5 |
| Return on assets (ROA) | 40.9750% | 5 |
| Pretax return on assets | 66.8419% | 3 |
| Return on Equity (ROE) | 46.0592% | 20 |
| Retained earnings to average equity (ytd only) | 7.9055% | 1,279 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8822% | 4,272 |
| Assets per employee ($millions) | 0.2852% | 6,252 |
| Cash dividends to net income (ytd only)* | 82.8363% | 676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3706% | 6,274 |
| Equity capital to assets | 90.2720% | 12 |
| Core capital (leverage) ratio | 87.0830% | 16 |
| Tier 1 risk-based capital ratio | 282.4681% | 20 |
| Total risk-based capital ratio | 282.4681% | 20 |
| Memoranda: | ||
| Average total assets | $137,485,250 | 3,793 |
| Average earning assets | $100,401,500 | 4,321 |
| Average equity | $122,309,000 | 629 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1314% | 6,251 |
| Cost of funding earning assets | 0.0019% | 6,323 |
| Net interest margin | 2.1295% | 6,166 |
| Noninterest income to average assets | 183.8069% | 4 |
| Noninterest expense to average assets | 117.5317% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 41.8750% | 6 |
| Return on assets (ROA) | 41.5910% | 6 |
| Pretax return on assets | 67.4144% | 3 |
| Return on Equity (ROE) | 46.9765% | 24 |
| Retained earnings to average equity (ytd only) | 30.6482% | 29 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3970% | 4,447 |
| Assets per employee ($millions) | 0.3187% | 6,329 |
| Cash dividends to net income (ytd only)* | 34.7584% | 2,627 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3441% | 6,351 |
| Equity capital to assets | 91.7252% | 9 |
| Core capital (leverage) ratio | 98.4209% | 3 |
| Tier 1 risk-based capital ratio | 308.9427% | 18 |
| Total risk-based capital ratio | 308.9427% | 18 |
| Memoranda: | ||
| Average total assets | $138,347,330 | 3,814 |
| Average earning assets | $102,841,000 | 4,302 |
| Average equity | $122,486,670 | 627 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1732% | 6,315 |
| Cost of funding earning assets | 0.0040% | 6,389 |
| Net interest margin | 2.1692% | 6,223 |
| Noninterest income to average assets | 184.9622% | 4 |
| Noninterest expense to average assets | 118.3363% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 42.1841% | 6 |
| Return on assets (ROA) | 41.9259% | 6 |
| Pretax return on assets | 67.8241% | 3 |
| Return on Equity (ROE) | 48.2921% | 25 |
| Retained earnings to average equity (ytd only) | 14.1296% | 349 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4294% | 4,568 |
| Assets per employee ($millions) | 0.2917% | 6,400 |
| Cash dividends to net income (ytd only)* | 70.7414% | 1,161 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3703% | 6,423 |
| Equity capital to assets | 88.2572% | 15 |
| Core capital (leverage) ratio | 90.1614% | 15 |
| Tier 1 risk-based capital ratio | 293.4407% | 18 |
| Total risk-based capital ratio | 293.4407% | 18 |
| Memoranda: | ||
| Average total assets | $134,866,500 | 3,907 |
| Average earning assets | $99,578,000 | 4,407 |
| Average equity | $117,087,500 | 655 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4809% | 6,331 |
| Cost of funding earning assets | 0.0021% | 6,486 |
| Net interest margin | 2.4788% | 6,174 |
| Noninterest income to average assets | 179.1183% | 3 |
| Noninterest expense to average assets | 135.0273% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 28.3084% | 8 |
| Return on assets (ROA) | 28.1376% | 8 |
| Pretax return on assets | 45.6893% | 8 |
| Return on Equity (ROE) | 33.0016% | 43 |
| Retained earnings to average equity (ytd only) | 3.4270% | 3,775 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6075% | 2,730 |
| Assets per employee ($millions) | 0.2935% | 6,488 |
| Cash dividends to net income (ytd only)* | 89.6156% | 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% | 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 | NA | NA |
| Total domestic deposits to total assets | 0.3712% | 6,513 |
| Equity capital to assets | 85.3738% | 18 |
| Core capital (leverage) ratio | 85.6513% | 13 |
| Tier 1 risk-based capital ratio | 293.2482% | 19 |
| Total risk-based capital ratio | 293.2482% | 19 |
| Memoranda: | ||
| Average total assets | $128,888,000 | 3,994 |
| Average earning assets | $96,980,600 | 4,482 |
| Average equity | $109,891,600 | 667 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5488% | 6,396 |
| Cost of funding earning assets | 0.0028% | 6,566 |
| Net interest margin | 2.5460% | 6,187 |
| Noninterest income to average assets | 176.1126% | 4 |
| Noninterest expense to average assets | 133.5960% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 27.5347% | 8 |
| Return on assets (ROA) | 27.3940% | 8 |
| Pretax return on assets | 44.2084% | 8 |
| Return on Equity (ROE) | 32.1407% | 46 |
| Retained earnings to average equity (ytd only) | -7.7544% | 6,338 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0438% | 2,656 |
| Assets per employee ($millions) | 0.2812% | 6,569 |
| Cash dividends to net income (ytd only)* | 124.1264% | 207 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3942% | 6,593 |
| Equity capital to assets | 82.4999% | 22 |
| Core capital (leverage) ratio | 82.6885% | 21 |
| Tier 1 risk-based capital ratio | 304.9931% | 16 |
| Total risk-based capital ratio | 304.9931% | 16 |
| Memoranda: | ||
| Average total assets | $127,435,750 | 4,059 |
| Average earning assets | $95,676,250 | 4,556 |
| Average equity | $108,615,500 | 673 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5444% | 6,464 |
| Cost of funding earning assets | 0.0021% | 6,630 |
| Net interest margin | 2.5423% | 6,229 |
| Noninterest income to average assets | 174.2455% | 3 |
| Noninterest expense to average assets | 129.1947% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 29.0088% | 8 |
| Return on assets (ROA) | 28.8894% | 8 |
| Pretax return on assets | 46.7649% | 8 |
| Return on Equity (ROE) | 33.5392% | 45 |
| Retained earnings to average equity (ytd only) | 6.2523% | 2,183 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3452% | 3,097 |
| Assets per employee ($millions) | 0.2965% | 6,637 |
| Cash dividends to net income (ytd only)* | 81.3581% | 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% | 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 | NA | NA |
| Total domestic deposits to total assets | 0.3642% | 6,660 |
| Equity capital to assets | 83.5726% | 21 |
| Core capital (leverage) ratio | 83.8482% | 18 |
| Tier 1 risk-based capital ratio | 325.0215% | 15 |
| Total risk-based capital ratio | 325.0215% | 15 |
| Memoranda: | ||
| Average total assets | $127,638,330 | 4,080 |
| Average earning assets | $95,424,000 | 4,597 |
| Average equity | $109,943,000 | 663 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7530% | 6,427 |
| Cost of funding earning assets | 0.0044% | 6,697 |
| Net interest margin | 2.7486% | 6,032 |
| Noninterest income to average assets | 179.0146% | 4 |
| Noninterest expense to average assets | 134.5004% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 28.7559% | 9 |
| Return on assets (ROA) | 28.6601% | 9 |
| Pretax return on assets | 46.4065% | 9 |
| Return on Equity (ROE) | 32.7285% | 52 |
| Retained earnings to average equity (ytd only) | -23.0587% | 6,564 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2863% | 3,084 |
| Assets per employee ($millions) | 0.2621% | 6,708 |
| Cash dividends to net income (ytd only)* | 170.4545% | 322 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.4211% | 6,730 |
| Equity capital to assets | 88.1617% | 16 |
| Core capital (leverage) ratio | 88.4012% | 15 |
| Tier 1 risk-based capital ratio | 296.1935% | 21 |
| Total risk-based capital ratio | 296.1935% | 21 |
| Memoranda: | ||
| Average total assets | $122,819,000 | 4,217 |
| Average earning assets | $91,247,000 | 4,745 |
| Average equity | $107,551,500 | 677 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9716% | 6,369 |
| Cost of funding earning assets | 0.0026% | 6,791 |
| Net interest margin | 2.9691% | 5,644 |
| Noninterest income to average assets | 164.9314% | 4 |
| Noninterest expense to average assets | 131.8678% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 21.7012% | 9 |
| Return on assets (ROA) | 21.5421% | 9 |
| Pretax return on assets | 34.7623% | 8 |
| Return on Equity (ROE) | 24.2246% | 141 |
| Retained earnings to average equity (ytd only) | 5.3955% | 2,349 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0201% | 2,315 |
| Assets per employee ($millions) | 0.2852% | 6,790 |
| Cash dividends to net income (ytd only)* | 77.7273% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.3940% | 6,813 |
| Equity capital to assets | 87.0146% | 18 |
| Core capital (leverage) ratio | 87.0911% | 12 |
| Tier 1 risk-based capital ratio | 332.1213% | 19 |
| Total risk-based capital ratio | 332.1213% | 19 |
| Memoranda: | ||
| Average total assets | $119,445,400 | 4,287 |
| Average earning assets | $78,341,200 | 5,079 |
| Average equity | $106,218,400 | 667 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0179% | 6,406 |
| Cost of funding earning assets | 0.0036% | 6,869 |
| Net interest margin | 3.0142% | 5,559 |
| Noninterest income to average assets | 164.0835% | 4 |
| Noninterest expense to average assets | 131.8290% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 21.1901% | 9 |
| Return on assets (ROA) | 21.0116% | 9 |
| Pretax return on assets | 33.8669% | 8 |
| Return on Equity (ROE) | 23.4919% | 152 |
| Retained earnings to average equity (ytd only) | -1.8636% | 6,249 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4271% | 2,198 |
| Assets per employee ($millions) | 0.2721% | 6,871 |
| Cash dividends to net income (ytd only)* | 107.9331% | 328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.4254% | 6,889 |
| Equity capital to assets | 88.3775% | 12 |
| Core capital (leverage) ratio | 88.6865% | 9 |
| Tier 1 risk-based capital ratio | 327.0449% | 15 |
| Total risk-based capital ratio | 327.0449% | 15 |
| Memoranda: | ||
| Average total assets | $117,582,750 | 4,368 |
| Average earning assets | $73,781,250 | 5,249 |
| Average equity | $105,168,500 | 677 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2000% | 6,228 |
| Cost of funding earning assets | 0.0029% | 6,920 |
| Net interest margin | 3.1971% | 4,962 |
| Noninterest income to average assets | 162.6310% | 4 |
| Noninterest expense to average assets | 130.7602% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 21.0091% | 8 |
| Return on assets (ROA) | 20.8197% | 8 |
| Pretax return on assets | 33.4728% | 8 |
| Return on Equity (ROE) | 23.1854% | 172 |
| Retained earnings to average equity (ytd only) | 4.2462% | 3,592 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4755% | 2,227 |
| Assets per employee ($millions) | 0.2826% | 6,919 |
| Cash dividends to net income (ytd only)* | 81.6860% | 873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.4222% | 6,940 |
| Equity capital to assets | 90.7740% | 11 |
| Core capital (leverage) ratio | 91.0751% | 9 |
| Tier 1 risk-based capital ratio | 314.0926% | 17 |
| Total risk-based capital ratio | 314.0926% | 17 |
| Memoranda: | ||
| Average total assets | $117,600,000 | 4,401 |
| Average earning assets | $69,812,670 | 5,400 |
| Average equity | $105,601,000 | 677 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1356% | 6,368 |
| Cost of funding earning assets | 0.0056% | 6,992 |
| Net interest margin | 3.1299% | 5,162 |
| Noninterest income to average assets | 157.6108% | 5 |
| Noninterest expense to average assets | 127.3529% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 19.9798% | 7 |
| Return on assets (ROA) | 19.7658% | 7 |
| Pretax return on assets | 31.8143% | 8 |
| Return on Equity (ROE) | 22.1334% | 191 |
| Retained earnings to average equity (ytd only) | -16.0869% | 6,773 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8442% | 2,357 |
| Assets per employee ($millions) | 0.2754% | 6,996 |
| Cash dividends to net income (ytd only)* | 172.6817% | 293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.4374% | 7,018 |
| Equity capital to assets | 89.5302% | 13 |
| Core capital (leverage) ratio | 90.3117% | 10 |
| Tier 1 risk-based capital ratio | 280.9352% | 20 |
| Total risk-based capital ratio | 280.9352% | 20 |
| Memoranda: | ||
| Average total assets | $117,192,500 | 4,460 |
| Average earning assets | $70,800,000 | 5,418 |
| Average equity | $104,656,500 | 693 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5813% | 6,249 |
| Cost of funding earning assets | 0.0026% | 7,068 |
| Net interest margin | 3.5787% | 4,189 |
| Noninterest income to average assets | 143.7707% | 6 |
| Noninterest expense to average assets | 118.3299% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 17.3843% | 9 |
| Return on assets (ROA) | 17.2968% | 9 |
| Pretax return on assets | 27.7145% | 9 |
| Return on Equity (ROE) | 19.1429% | 352 |
| Retained earnings to average equity (ytd only) | 9.4346% | 710 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9474% | 2,012 |
| Assets per employee ($millions) | 0.2972% | 7,058 |
| Cash dividends to net income (ytd only)* | 50.7151% | 2,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.4164% | 7,082 |
| Equity capital to assets | 89.0869% | 15 |
| Core capital (leverage) ratio | 89.9729% | 9 |
| Tier 1 risk-based capital ratio | 311.6573% | 19 |
| Total risk-based capital ratio | 311.6573% | 19 |
| Memoranda: | ||
| Average total assets | $113,998,200 | 4,495 |
| Average earning assets | $76,787,400 | 5,219 |
| Average equity | $103,004,200 | 690 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6424% | 6,330 |
| Cost of funding earning assets | 0.0034% | 7,168 |
| Net interest margin | 3.6390% | 4,062 |
| Noninterest income to average assets | 142.1429% | 6 |
| Noninterest expense to average assets | 117.4237% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 16.9368% | 9 |
| Return on assets (ROA) | 16.8730% | 9 |
| Pretax return on assets | 27.1410% | 8 |
| Return on Equity (ROE) | 18.6042% | 429 |
| Retained earnings to average equity (ytd only) | 5.5339% | 3,015 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1698% | 1,909 |
| Assets per employee ($millions) | 0.2892% | 7,156 |
| Cash dividends to net income (ytd only)* | 70.2543% | 915 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.4411% | 7,180 |
| Equity capital to assets | 89.9899% | 12 |
| Core capital (leverage) ratio | 91.1690% | 10 |
| Tier 1 risk-based capital ratio | 309.9718% | 17 |
| Total risk-based capital ratio | 309.9718% | 17 |
| Memoranda: | ||
| Average total assets | $112,476,500 | 4,574 |
| Average earning assets | $77,931,250 | 5,244 |
| Average equity | $102,010,250 | 702 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6715% | 6,383 |
| Cost of funding earning assets | 0.0025% | 7,231 |
| Net interest margin | 3.6689% | 3,961 |
| Noninterest income to average assets | 140.3613% | 6 |
| Noninterest expense to average assets | 117.6503% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 15.6338% | 10 |
| Return on assets (ROA) | 15.5745% | 10 |
| Pretax return on assets | 25.2212% | 8 |
| Return on Equity (ROE) | 17.1276% | 622 |
| Retained earnings to average equity (ytd only) | 17.1276% | 176 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2935% | 1,846 |
| Assets per employee ($millions) | 0.2922% | 7,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.4343% | 7,247 |
| Equity capital to assets | 92.3131% | 9 |
| Core capital (leverage) ratio | 93.4952% | 5 |
| Tier 1 risk-based capital ratio | 363.2198% | 13 |
| Total risk-based capital ratio | 363.2198% | 13 |
| Memoranda: | ||
| Average total assets | $112,183,330 | 4,614 |
| Average earning assets | $79,587,000 | 5,223 |
| Average equity | $102,010,670 | 699 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8513% | 6,139 |
| Cost of funding earning assets | 0.0051% | 7,289 |
| Net interest margin | 3.8461% | 3,152 |
| Noninterest income to average assets | 140.4097% | 6 |
| Noninterest expense to average assets | 113.7180% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 18.1637% | 9 |
| Return on assets (ROA) | 18.1220% | 9 |
| Pretax return on assets | 29.3327% | 7 |
| Return on Equity (ROE) | 20.0878% | 383 |
| Retained earnings to average equity (ytd only) | 20.0878% | 187 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4588% | 2,274 |
| Assets per employee ($millions) | 0.2821% | 7,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.4442% | 7,308 |
| Equity capital to assets | 90.8131% | 7 |
| Core capital (leverage) ratio | 88.6043% | 9 |
| Tier 1 risk-based capital ratio | 307.5464% | 14 |
| Total risk-based capital ratio | 307.5464% | 14 |
| Memoranda: | ||
| Average total assets | $110,716,000 | 4,692 |
| Average earning assets | $77,896,500 | 5,305 |
| Average equity | $99,881,500 | 715 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0549% | 6,354 |
| Cost of funding earning assets | 0.0028% | 7,345 |
| Net interest margin | 4.0522% | 2,627 |
| Noninterest income to average assets | 132.6639% | 9 |
| Noninterest expense to average assets | 110.6895% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 15.1101% | 9 |
| Return on assets (ROA) | 15.0878% | 9 |
| Pretax return on assets | 24.5583% | 9 |
| Return on Equity (ROE) | 16.7934% | 496 |
| Retained earnings to average equity (ytd only) | 1.8712% | 4,878 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8209% | 2,046 |
| Assets per employee ($millions) | 0.2656% | 7,331 |
| Cash dividends to net income (ytd only)* | 88.8573% | 544 |
| 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 | 0.4592% | 7,355 |
| Equity capital to assets | 89.5951% | 8 |
| Core capital (leverage) ratio | 90.6419% | 5 |
| Tier 1 risk-based capital ratio | 333.2594% | 14 |
| Total risk-based capital ratio | 333.2594% | 14 |
| Memoranda: | ||
| Average total assets | $111,885,000 | 4,596 |
| Average earning assets | $72,307,200 | 5,463 |
| Average equity | $100,521,400 | 682 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1105% | 6,389 |
| Cost of funding earning assets | 0.0037% | 7,421 |
| Net interest margin | 4.1068% | 2,447 |
| Noninterest income to average assets | 132.1048% | 9 |
| Noninterest expense to average assets | 109.6034% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 15.3778% | 10 |
| Return on assets (ROA) | 15.3588% | 10 |
| Pretax return on assets | 25.0689% | 10 |
| Return on Equity (ROE) | 17.0837% | 557 |
| Retained earnings to average equity (ytd only) | 17.0837% | 139 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3674% | 2,062 |
| Assets per employee ($millions) | 0.2998% | 7,410 |
| 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 | 0.4201% | 7,435 |
| Equity capital to assets | 91.2620% | 9 |
| Core capital (leverage) ratio | 92.1958% | 8 |
| Tier 1 risk-based capital ratio | 249.3237% | 24 |
| Total risk-based capital ratio | 249.3237% | 24 |
| Memoranda: | ||
| Average total assets | $112,636,000 | 4,608 |
| Average earning assets | $71,229,750 | 5,537 |
| Average equity | $101,263,750 | 686 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1605% | 6,366 |
| Cost of funding earning assets | 0.0028% | 7,491 |
| Net interest margin | 4.1577% | 2,196 |
| Noninterest income to average assets | 136.5087% | 9 |
| Noninterest expense to average assets | 110.0499% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 17.8676% | 9 |
| Return on assets (ROA) | 17.8479% | 9 |
| Pretax return on assets | 29.1082% | 7 |
| Return on Equity (ROE) | 19.9605% | 313 |
| Retained earnings to average equity (ytd only) | 19.9605% | 92 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0651% | 2,546 |
| Assets per employee ($millions) | 0.2869% | 7,488 |
| 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 | 0.4446% | 7,513 |
| Equity capital to assets | 92.7695% | 8 |
| Core capital (leverage) ratio | 93.3995% | 9 |
| Tier 1 risk-based capital ratio | 271.1216% | 21 |
| Total risk-based capital ratio | 271.1216% | 21 |
| Memoranda: | ||
| Average total assets | $110,511,670 | 4,690 |
| Average earning assets | $71,242,000 | 5,582 |
| Average equity | $98,815,000 | 698 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1049% | 6,489 |
| Cost of funding earning assets | 0.0054% | 7,553 |
| Net interest margin | 4.0995% | 2,273 |
| Noninterest income to average assets | 134.8555% | 9 |
| Noninterest expense to average assets | 110.9615% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 16.3412% | 10 |
| Return on assets (ROA) | 16.3201% | 10 |
| Pretax return on assets | 26.6183% | 8 |
| Return on Equity (ROE) | 18.6103% | 430 |
| Retained earnings to average equity (ytd only) | 18.6103% | 216 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6332% | 2,418 |
| Assets per employee ($millions) | 0.2675% | 7,548 |
| 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 | 0.4744% | 7,573 |
| Equity capital to assets | 93.1223% | 5 |
| Core capital (leverage) ratio | 93.5215% | 6 |
| Tier 1 risk-based capital ratio | 298.0548% | 20 |
| Total risk-based capital ratio | 298.0548% | 20 |
| Memoranda: | ||
| Average total assets | $109,533,500 | 4,744 |
| Average earning assets | $73,667,500 | 5,549 |
| Average equity | $96,054,500 | 701 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1037% | 7,044 |
| Cost of funding earning assets | 0.0059% | 7,637 |
| Net interest margin | 4.0979% | 2,573 |
| Noninterest income to average assets | 132.1386% | 8 |
| Noninterest expense to average assets | 113.1029% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 12.9411% | 10 |
| Return on assets (ROA) | 12.9587% | 11 |
| Pretax return on assets | 21.7098% | 10 |
| Return on Equity (ROE) | 14.4838% | 796 |
| Retained earnings to average equity (ytd only) | 4.4330% | 2,754 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9134% | 1,930 |
| Assets per employee ($millions) | 0.2849% | 7,629 |
| Cash dividends to net income (ytd only)* | 69.3937% | 1,243 |
| 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 | 0.4399% | 7,655 |
| Equity capital to assets | 82.6611% | 23 |
| Core capital (leverage) ratio | 82.9785% | 21 |
| Tier 1 risk-based capital ratio | 288.6892% | 25 |
| Total risk-based capital ratio | 288.6892% | 25 |
| Memoranda: | ||
| Average total assets | $105,643,600 | 4,829 |
| Average earning assets | $68,230,600 | 5,725 |
| Average equity | $94,519,200 | 710 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1789% | 7,119 |
| Cost of funding earning assets | 0.0061% | 7,742 |
| Net interest margin | 4.1727% | 2,323 |
| Noninterest income to average assets | 132.2181% | 7 |
| Noninterest expense to average assets | 114.0642% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 12.3809% | 11 |
| Return on assets (ROA) | 12.4212% | 12 |
| Pretax return on assets | 20.8440% | 11 |
| Return on Equity (ROE) | 13.5994% | 1,122 |
| Retained earnings to average equity (ytd only) | 13.5994% | 298 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5890% | 1,775 |
| Assets per employee ($millions) | 0.2738% | 7,733 |
| 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 | 0.4554% | 7,759 |
| Equity capital to assets | 91.2631% | 11 |
| Core capital (leverage) ratio | 92.0950% | 9 |
| Tier 1 risk-based capital ratio | 235.3252% | 34 |
| Total risk-based capital ratio | 235.3252% | 34 |
| Memoranda: | ||
| Average total assets | $103,637,250 | 4,945 |
| Average earning assets | $65,247,500 | 5,885 |
| Average equity | $94,659,000 | 708 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 7,295 |
| Cost of funding earning assets | 0.0062% | 7,810 |
| Net interest margin | 4.0777% | 2,669 |
| Noninterest income to average assets | 135.0911% | 9 |
| Noninterest expense to average assets | 117.5508% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 11.9940% | 11 |
| Return on assets (ROA) | 12.0394% | 12 |
| Pretax return on assets | 20.2100% | 13 |
| Return on Equity (ROE) | 13.1775% | 1,196 |
| Retained earnings to average equity (ytd only) | 13.1775% | 362 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3736% | 1,781 |
| Assets per employee ($millions) | 0.2594% | 7,805 |
| 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 | 0.4759% | 7,829 |
| Equity capital to assets | 92.0438% | 12 |
| Core capital (leverage) ratio | 92.9680% | 9 |
| Tier 1 risk-based capital ratio | 257.1944% | 28 |
| Total risk-based capital ratio | 257.1944% | 28 |
| Memoranda: | ||
| Average total assets | $101,583,330 | 5,034 |
| Average earning assets | $64,742,330 | 5,933 |
| Average equity | $92,810,000 | 711 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1463% | 7,330 |
| Cost of funding earning assets | 0.0063% | 7,909 |
| Net interest margin | 4.1401% | 2,268 |
| Noninterest income to average assets | 137.2110% | 9 |
| Noninterest expense to average assets | 121.5896% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 10.9594% | 16 |
| Return on assets (ROA) | 10.9979% | 17 |
| Pretax return on assets | 18.3258% | 16 |
| Return on Equity (ROE) | 12.0849% | 1,478 |
| Retained earnings to average equity (ytd only) | 12.0849% | 734 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9396% | 1,694 |
| Assets per employee ($millions) | 0.2427% | 7,910 |
| 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 | 0.4976% | 7,932 |
| Equity capital to assets | 92.0690% | 7 |
| Core capital (leverage) ratio | 92.6260% | 7 |
| Tier 1 risk-based capital ratio | 254.0675% | 26 |
| Total risk-based capital ratio | 254.0675% | 26 |
| Memoranda: | ||
| Average total assets | $99,837,500 | 5,156 |
| Average earning assets | $63,767,000 | 6,035 |
| Average equity | $90,857,500 | 725 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4425% | 7,441 |
| Cost of funding earning assets | 0.0164% | 7,993 |
| Net interest margin | 4.4260% | 1,359 |
| Noninterest income to average assets | 137.9593% | 8 |
| Noninterest expense to average assets | 128.8167% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 7.1983% | 22 |
| Return on assets (ROA) | 7.2566% | 21 |
| Pretax return on assets | 12.0887% | 18 |
| Return on Equity (ROE) | 8.0481% | 2,350 |
| Retained earnings to average equity (ytd only) | 8.0481% | 686 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4799% | 1,603 |
| Assets per employee ($millions) | 0.2244% | 7,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.5041% | 8,007 |
| Equity capital to assets | 89.9277% | 14 |
| Core capital (leverage) ratio | 90.3357% | 12 |
| Tier 1 risk-based capital ratio | 253.4260% | 24 |
| Total risk-based capital ratio | 253.4260% | 24 |
| Memoranda: | ||
| Average total assets | $94,327,800 | 5,262 |
| Average earning assets | $60,844,600 | 6,098 |
| Average equity | $85,051,400 | 754 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5232% | 7,486 |
| Cost of funding earning assets | 0.0199% | 8,077 |
| Net interest margin | 4.5033% | 1,186 |
| Noninterest income to average assets | 136.6921% | 8 |
| Noninterest expense to average assets | 131.3096% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 4.9793% | 29 |
| Return on assets (ROA) | 5.0517% | 30 |
| Pretax return on assets | 8.4124% | 28 |
| Return on Equity (ROE) | 5.5988% | 3,699 |
| Retained earnings to average equity (ytd only) | 5.5988% | 2,156 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0553% | 1,393 |
| Assets per employee ($millions) | 0.2155% | 8,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.5238% | 8,095 |
| Equity capital to assets | 90.4099% | 12 |
| Core capital (leverage) ratio | 90.9296% | 13 |
| Tier 1 risk-based capital ratio | 263.9904% | 22 |
| Total risk-based capital ratio | 263.9904% | 22 |
| Memoranda: | ||
| Average total assets | $93,114,000 | 5,327 |
| Average earning assets | $60,309,750 | 6,163 |
| Average equity | $84,016,000 | 775 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 7,358 |
| Cost of funding earning assets | 0.0270% | 8,169 |
| Net interest margin | 4.6956% | 804 |
| Noninterest income to average assets | 136.1985% | 6 |
| Noninterest expense to average assets | 133.4693% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 3.4449% | 43 |
| Return on assets (ROA) | 3.5350% | 45 |
| Pretax return on assets | 5.8873% | 33 |
| Return on Equity (ROE) | 3.9205% | 4,525 |
| Retained earnings to average equity (ytd only) | 3.9205% | 3,097 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8722% | 1,386 |
| Assets per employee ($millions) | 0.2049% | 8,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.5422% | 8,192 |
| Equity capital to assets | 91.1194% | 13 |
| Core capital (leverage) ratio | 91.4664% | 14 |
| Tier 1 risk-based capital ratio | 292.9751% | 22 |
| Total risk-based capital ratio | 292.9751% | 22 |
| Memoranda: | ||
| Average total assets | $92,334,330 | 5,393 |
| Average earning assets | $59,332,000 | 6,261 |
| Average equity | $83,255,000 | 790 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9358% | 7,086 |
| Cost of funding earning assets | 0.0272% | 8,222 |
| Net interest margin | 4.9086% | 494 |
| Noninterest income to average assets | 135.6603% | 8 |
| Noninterest expense to average assets | 137.5868% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.7133% | 3,491 |
| Return on assets (ROA) | 0.8269% | 3,169 |
| Pretax return on assets | 1.3767% | 2,036 |
| Return on Equity (ROE) | 0.9219% | 6,147 |
| Retained earnings to average equity (ytd only) | 0.9219% | 5,282 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1359% | 1,169 |
| Assets per employee ($millions) | 0.2074% | 8,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.5429% | 8,243 |
| Equity capital to assets | 90.3099% | 10 |
| Core capital (leverage) ratio | 90.8215% | 12 |
| Tier 1 risk-based capital ratio | 306.4218% | 21 |
| Total risk-based capital ratio | 306.4218% | 21 |
| Memoranda: | ||
| Average total assets | $92,395,500 | 5,409 |
| Average earning assets | $58,835,500 | 6,308 |
| Average equity | $82,871,000 | 797 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9231% | 7,884 |
| Cost of funding earning assets | 0.0340% | 8,277 |
| Net interest margin | 4.8892% | 644 |
| Noninterest income to average assets | 181.7301% | 8 |
| Noninterest expense to average assets | 155.2005% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 17.7808% | 11 |
| Return on assets (ROA) | 18.3606% | 11 |
| Pretax return on assets | 30.6409% | 10 |
| Return on Equity (ROE) | 20.8892% | 313 |
| Retained earnings to average equity (ytd only) | 20.8892% | 26 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9214% | 2,063 |
| Assets per employee ($millions) | 0.1865% | 8,279 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.5394% | 8,297 |
| Equity capital to assets | 89.0772% | 15 |
| Core capital (leverage) ratio | 89.6351% | 14 |
| Tier 1 risk-based capital ratio | 273.6695% | 28 |
| Total risk-based capital ratio | 273.6695% | 28 |
| Memoranda: | ||
| Average total assets | $85,323,800 | 5,504 |
| Average earning assets | $55,940,000 | 6,339 |
| Average equity | $74,995,600 | 885 |
| Average total loans | NA | NA |