Home > Bessemer Trust Company > Performance and Condition Ratios
Bessemer 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 | 5.4139% | 1,286 |
| Cost of funding earning assets | 2.4728% | 390 |
| Net interest margin | 2.9411% | 3,408 |
| Noninterest income to average assets | 14.8600% | 79 |
| Noninterest expense to average assets | 11.7759% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 6.0013% | 62 |
| Return on assets (ROA) | 6.0073% | 61 |
| Pretax return on assets | 5.9688% | 80 |
| Return on Equity (ROE) | 39.1400% | 89 |
| Retained earnings to average equity (ytd only) | 1.7991% | 3,625 |
| 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 | 66.3855% | 2,298 |
| Assets per employee ($millions) | 3.6398% | 4,257 |
| Cash dividends to net income (ytd only)* | 95.4039% | 313 |
| 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 | 47.4600% | 3,759 |
| Net loans and leases to deposits | 59.1615% | 3,574 |
| Net loans and leases to core deposits | 59.1615% | 3,793 |
| Total domestic deposits to total assets | 80.2200% | 3,429 |
| Equity capital to assets | 18.2489% | 339 |
| Core capital (leverage) ratio | 18.2302% | 332 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.6929% | 173 |
| Memoranda: | ||
| Average total assets | $717,132,800 | 1,279 |
| Average earning assets | $700,752,200 | 1,229 |
| Average equity | $110,056,600 | 889 |
| Average total loans | $295,677,200 | 1,808 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3360% | 1,231 |
| Cost of funding earning assets | 2.4312% | 314 |
| Net interest margin | 2.9048% | 3,534 |
| Noninterest income to average assets | 14.2100% | 81 |
| Noninterest expense to average assets | 11.1638% | 106 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 5.7375% | 65 |
| Return on assets (ROA) | 5.7422% | 64 |
| Pretax return on assets | 5.8927% | 81 |
| Return on Equity (ROE) | 38.8400% | 125 |
| Retained earnings to average equity (ytd only) | 15.8984% | 471 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 65.4701% | 2,337 |
| Assets per employee ($millions) | 4.1103% | 4,115 |
| Cash dividends to net income (ytd only)* | 59.0673% | 971 |
| 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 | 40.9900% | 4,020 |
| Net loans and leases to deposits | 50.6665% | 3,912 |
| Net loans and leases to core deposits | 50.6665% | 4,023 |
| Total domestic deposits to total assets | 80.8900% | 3,402 |
| Equity capital to assets | 17.2854% | 379 |
| Core capital (leverage) ratio | 18.1729% | 340 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.6596% | 145 |
| Memoranda: | ||
| Average total assets | $750,825,250 | 1,238 |
| Average earning assets | $733,840,750 | 1,188 |
| Average equity | $111,002,000 | 875 |
| Average total loans | $300,502,500 | 1,788 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2521% | 1,146 |
| Cost of funding earning assets | 2.3245% | 264 |
| Net interest margin | 2.9276% | 3,598 |
| Noninterest income to average assets | 13.5000% | 79 |
| Noninterest expense to average assets | 10.4314% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 5.7759% | 60 |
| Return on assets (ROA) | 5.7871% | 59 |
| Pretax return on assets | 5.9388% | 73 |
| Return on Equity (ROE) | 41.1300% | 102 |
| Retained earnings to average equity (ytd only) | 20.3307% | 240 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.7669% | 2,514 |
| Assets per employee ($millions) | 5.2269% | 3,385 |
| Cash dividends to net income (ytd only)* | 50.5655% | 1,271 |
| 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 | 37.9700% | 4,116 |
| Net loans and leases to deposits | 45.4248% | 4,057 |
| Net loans and leases to core deposits | 45.4248% | 4,139 |
| Total domestic deposits to total assets | 83.5900% | 2,915 |
| Equity capital to assets | 14.5164% | 575 |
| Core capital (leverage) ratio | 14.0652% | 757 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5903% | 168 |
| Memoranda: | ||
| Average total assets | $779,146,333 | 1,199 |
| Average earning assets | $761,111,333 | 1,153 |
| Average equity | $109,637,000 | 878 |
| Average total loans | $309,701,000 | 1,745 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8089% | 1,602 |
| Cost of funding earning assets | 1.7729% | 480 |
| Net interest margin | 3.0361% | 3,512 |
| Noninterest income to average assets | 13.3300% | 84 |
| Noninterest expense to average assets | 10.6055% | 104 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 5.5429% | 70 |
| Return on assets (ROA) | 5.5549% | 70 |
| Pretax return on assets | 5.7011% | 81 |
| Return on Equity (ROE) | 40.1200% | 113 |
| Retained earnings to average equity (ytd only) | 27.0599% | 144 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.0874% | 2,315 |
| Assets per employee ($millions) | 4.7410% | 3,855 |
| Cash dividends to net income (ytd only)* | 32.5581% | 1,666 |
| 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 | 46.4500% | 3,752 |
| Net loans and leases to deposits | 56.4987% | 3,543 |
| Net loans and leases to core deposits | 56.4987% | 3,714 |
| Total domestic deposits to total assets | 82.2200% | 3,448 |
| Equity capital to assets | 16.0707% | 407 |
| Core capital (leverage) ratio | 14.9359% | 587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.0756% | 244 |
| Memoranda: | ||
| Average total assets | $774,090,500 | 1,223 |
| Average earning assets | $756,508,500 | 1,175 |
| Average equity | $107,169,500 | 902 |
| Average total loans | $314,709,500 | 1,741 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9605% | 4,609 |
| Cost of funding earning assets | 0.3283% | 2,651 |
| Net interest margin | 1.6322% | 4,617 |
| Noninterest income to average assets | 10.4900% | 97 |
| Noninterest expense to average assets | 7.8132% | 137 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 4.2508% | 73 |
| Return on assets (ROA) | 3.1798% | 99 |
| Pretax return on assets | 3.2072% | 115 |
| Return on Equity (ROE) | 30.8400% | 106 |
| Retained earnings to average equity (ytd only) | 2.7602% | 3,784 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 64.5602% | 2,424 |
| Assets per employee ($millions) | 5.8629% | 2,889 |
| Cash dividends to net income (ytd only)* | 91.0494% | 291 |
| 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 | 35.9700% | 4,218 |
| Net loans and leases to deposits | 41.6690% | 4,193 |
| Net loans and leases to core deposits | 41.6690% | 4,238 |
| Total domestic deposits to total assets | 86.3100% | 2,638 |
| Equity capital to assets | 12.0444% | 919 |
| Core capital (leverage) ratio | 15.1772% | 547 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.1156% | 235 |
| Memoranda: | ||
| Average total assets | $998,202,600 | 980 |
| Average earning assets | $985,863,000 | 921 |
| Average equity | $102,926,600 | 924 |
| Average total loans | $394,430,800 | 1,413 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5428% | 4,661 |
| Cost of funding earning assets | 0.1141% | 4,165 |
| Net interest margin | 1.4287% | 4,649 |
| Noninterest income to average assets | 10.1200% | 102 |
| Noninterest expense to average assets | 7.5808% | 138 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 3.8717% | 81 |
| Return on assets (ROA) | 2.5982% | 138 |
| Pretax return on assets | 2.6529% | 182 |
| Return on Equity (ROE) | 26.1100% | 163 |
| Retained earnings to average equity (ytd only) | 5.3716% | 2,966 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 65.7306% | 2,316 |
| Assets per employee ($millions) | 4.4614% | 4,083 |
| Cash dividends to net income (ytd only)* | 79.4242% | 415 |
| 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 | 59.9400% | 2,511 |
| Net loans and leases to deposits | 73.6352% | 2,087 |
| Net loans and leases to core deposits | 73.6352% | 2,377 |
| Total domestic deposits to total assets | 81.4000% | 3,918 |
| Equity capital to assets | 16.9768% | 323 |
| Core capital (leverage) ratio | 13.8690% | 708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.7078% | 357 |
| Memoranda: | ||
| Average total assets | $1,033,756,250 | 960 |
| Average earning assets | $1,022,692,750 | 895 |
| Average equity | $102,883,500 | 939 |
| Average total loans | $416,071,000 | 1,341 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0986% | 4,733 |
| Cost of funding earning assets | 0.0366% | 4,668 |
| Net interest margin | 1.0620% | 4,726 |
| Noninterest income to average assets | 8.9114% | 66 |
| Noninterest expense to average assets | 6.7949% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 3.0849% | 65 |
| Return on assets (ROA) | 2.4629% | 113 |
| Pretax return on assets | 2.5275% | 162 |
| Return on Equity (ROE) | 28.1654% | 72 |
| Retained earnings to average equity (ytd only) | 10.6629% | 856 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1965% | 2,212 |
| Assets per employee ($millions) | 6.1001% | 2,653 |
| Cash dividends to net income (ytd only)* | 62.1418% | 1,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,721 |
| 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 | 0.0000% | 4,026 |
| Net loans and leases to total assets | 48.8133% | 3,481 |
| Net loans and leases to deposits | 55.7829% | 3,402 |
| Net loans and leases to core deposits | 55.7829% | 3,585 |
| Total domestic deposits to total assets | 87.5058% | 2,761 |
| Equity capital to assets | 11.5925% | 1,002 |
| Core capital (leverage) ratio | 10.7622% | 1,749 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.1552% | 614 |
| Memoranda: | ||
| Average total assets | $1,176,092,667 | 870 |
| Average earning assets | $1,165,341,000 | 817 |
| Average equity | $102,842,667 | 949 |
| Average total loans | $433,530,000 | 1,294 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8351% | 4,767 |
| Cost of funding earning assets | 0.0143% | 4,749 |
| Net interest margin | 0.8208% | 4,764 |
| Noninterest income to average assets | 8.0131% | 71 |
| Noninterest expense to average assets | 5.9875% | 125 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.7656% | 91 |
| Return on assets (ROA) | 2.3778% | 133 |
| Pretax return on assets | 2.4405% | 193 |
| Return on Equity (ROE) | 30.5178% | 58 |
| Retained earnings to average equity (ytd only) | 22.7505% | 64 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8264% | 2,528 |
| Assets per employee ($millions) | 8.5160% | 1,108 |
| Cash dividends to net income (ytd only)* | 25.4518% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,747 |
| 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 | 0.0000% | 4,066 |
| Net loans and leases to total assets | 37.0316% | 4,155 |
| Net loans and leases to deposits | 40.9311% | 4,212 |
| Net loans and leases to core deposits | 40.9311% | 4,281 |
| Total domestic deposits to total assets | 90.4732% | 1,312 |
| Equity capital to assets | 8.9583% | 2,746 |
| Core capital (leverage) ratio | 8.8798% | 3,479 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6922% | 589 |
| Memoranda: | ||
| Average total assets | $1,321,882,500 | 787 |
| Average earning assets | $1,311,870,500 | 739 |
| Average equity | $102,995,500 | 969 |
| Average total loans | $434,415,000 | 1,284 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0321% | 4,785 |
| Cost of funding earning assets | 0.0116% | 4,793 |
| Net interest margin | 1.0205% | 4,777 |
| Noninterest income to average assets | 10.4015% | 62 |
| Noninterest expense to average assets | 7.8252% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 3.6013% | 73 |
| Return on assets (ROA) | 3.8729% | 64 |
| Pretax return on assets | 3.8570% | 84 |
| Return on Equity (ROE) | 37.8278% | 34 |
| Retained earnings to average equity (ytd only) | 11.4666% | 620 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5784% | 1,910 |
| Assets per employee ($millions) | 10.9235% | 521 |
| Cash dividends to net income (ytd only)* | 69.6873% | 747 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 29.6138% | 4,525 |
| Net loans and leases to deposits | 31.9811% | 4,581 |
| Net loans and leases to core deposits | 31.9811% | 4,608 |
| Total domestic deposits to total assets | 92.5978% | 82 |
| Equity capital to assets | 6.8820% | 4,739 |
| Core capital (leverage) ratio | 8.6009% | 3,819 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.8899% | 771 |
| Memoranda: | ||
| Average total assets | $974,458,400 | 977 |
| Average earning assets | $963,586,400 | 934 |
| Average equity | $99,767,800 | 1,012 |
| Average total loans | $409,438,400 | 1,352 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1572% | 4,860 |
| Cost of funding earning assets | 0.0109% | 4,876 |
| Net interest margin | 1.1464% | 4,848 |
| Noninterest income to average assets | 11.4031% | 59 |
| Noninterest expense to average assets | 9.0480% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.4660% | 88 |
| Return on assets (ROA) | 3.6837% | 82 |
| Pretax return on assets | 3.7062% | 104 |
| Return on Equity (ROE) | 31.4558% | 77 |
| Retained earnings to average equity (ytd only) | 16.6639% | 258 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1858% | 1,386 |
| Assets per employee ($millions) | 6.0237% | 2,671 |
| Cash dividends to net income (ytd only)* | 47.0246% | 1,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 51.4587% | 3,252 |
| Net loans and leases to deposits | 59.6476% | 3,265 |
| Net loans and leases to core deposits | 59.6476% | 3,492 |
| Total domestic deposits to total assets | 86.2712% | 2,645 |
| Equity capital to assets | 12.4409% | 1,203 |
| Core capital (leverage) ratio | 12.1956% | 1,083 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.5823% | 738 |
| Memoranda: | ||
| Average total assets | $846,674,750 | 1,105 |
| Average earning assets | $835,548,250 | 1,062 |
| Average equity | $99,150,250 | 1,032 |
| Average total loans | $401,813,000 | 1,399 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1107% | 4,903 |
| Cost of funding earning assets | 0.0093% | 4,913 |
| Net interest margin | 1.1014% | 4,891 |
| Noninterest income to average assets | 11.0939% | 60 |
| Noninterest expense to average assets | 8.7929% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.3860% | 95 |
| Return on assets (ROA) | 3.6691% | 83 |
| Pretax return on assets | 3.6707% | 109 |
| Return on Equity (ROE) | 31.9867% | 80 |
| Retained earnings to average equity (ytd only) | 19.6762% | 167 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1882% | 1,418 |
| Assets per employee ($millions) | 6.3136% | 2,315 |
| Cash dividends to net income (ytd only)* | 38.4862% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 47.5479% | 3,771 |
| Net loans and leases to deposits | 54.3632% | 3,833 |
| Net loans and leases to core deposits | 54.3632% | 4,004 |
| Total domestic deposits to total assets | 87.4634% | 2,114 |
| Equity capital to assets | 11.5706% | 1,590 |
| Core capital (leverage) ratio | 10.5150% | 1,945 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.6282% | 741 |
| Memoranda: | ||
| Average total assets | $849,800,667 | 1,097 |
| Average earning assets | $838,367,333 | 1,048 |
| Average equity | $97,478,000 | 1,042 |
| Average total loans | $392,130,000 | 1,434 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0980% | 4,937 |
| Cost of funding earning assets | 0.0068% | 4,952 |
| Net interest margin | 1.0912% | 4,922 |
| Noninterest income to average assets | 11.2592% | 66 |
| Noninterest expense to average assets | 8.9221% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 3.5253% | 110 |
| Return on assets (ROA) | 3.5602% | 111 |
| Pretax return on assets | 3.4473% | 152 |
| Return on Equity (ROE) | 31.1799% | 122 |
| Retained earnings to average equity (ytd only) | 26.9891% | 107 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3347% | 1,462 |
| Assets per employee ($millions) | 6.4398% | 2,219 |
| Cash dividends to net income (ytd only)* | 13.4409% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 46.2446% | 3,943 |
| Net loans and leases to deposits | 52.7591% | 4,013 |
| Net loans and leases to core deposits | 52.7591% | 4,156 |
| Total domestic deposits to total assets | 87.6523% | 2,014 |
| Equity capital to assets | 11.6757% | 1,458 |
| Core capital (leverage) ratio | 12.4245% | 1,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.2141% | 658 |
| Memoranda: | ||
| Average total assets | $835,906,500 | 1,102 |
| Average earning assets | $823,684,500 | 1,052 |
| Average equity | $95,446,000 | 1,048 |
| Average total loans | $379,557,500 | 1,464 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4759% | 4,949 |
| Cost of funding earning assets | 0.1451% | 4,741 |
| Net interest margin | 1.3308% | 4,930 |
| Noninterest income to average assets | 9.8849% | 69 |
| Noninterest expense to average assets | 7.5578% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 3.6088% | 65 |
| Return on assets (ROA) | 3.5735% | 68 |
| Pretax return on assets | 3.6047% | 84 |
| Return on Equity (ROE) | 37.9724% | 36 |
| Retained earnings to average equity (ytd only) | 11.1065% | 425 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4910% | 2,300 |
| Assets per employee ($millions) | 6.3221% | 2,071 |
| Cash dividends to net income (ytd only)* | 70.7512% | 933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 44.5532% | 4,222 |
| Net loans and leases to deposits | 50.6728% | 4,280 |
| Net loans and leases to core deposits | 50.6728% | 4,396 |
| Total domestic deposits to total assets | 87.9231% | 1,511 |
| Equity capital to assets | 11.1561% | 2,129 |
| Core capital (leverage) ratio | 10.3542% | 2,272 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9205% | 668 |
| Memoranda: | ||
| Average total assets | $941,349,000 | 932 |
| Average earning assets | $928,963,200 | 878 |
| Average equity | $88,588,000 | 1,072 |
| Average total loans | $346,199,800 | 1,517 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5195% | 4,993 |
| Cost of funding earning assets | 0.1858% | 4,714 |
| Net interest margin | 1.3337% | 4,980 |
| Noninterest income to average assets | 9.1274% | 72 |
| Noninterest expense to average assets | 7.4002% | 104 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 3.0223% | 91 |
| Return on assets (ROA) | 2.8527% | 109 |
| Pretax return on assets | 2.8725% | 132 |
| Return on Equity (ROE) | 31.5629% | 51 |
| Retained earnings to average equity (ytd only) | 16.0447% | 155 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8560% | 1,769 |
| Assets per employee ($millions) | 7.1055% | 1,428 |
| Cash dividends to net income (ytd only)* | 49.1661% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 39.5837% | 4,577 |
| Net loans and leases to deposits | 44.4418% | 4,644 |
| Net loans and leases to core deposits | 44.4418% | 4,700 |
| Total domestic deposits to total assets | 89.0686% | 741 |
| Equity capital to assets | 9.9007% | 3,330 |
| Core capital (leverage) ratio | 9.7916% | 2,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.6039% | 614 |
| Memoranda: | ||
| Average total assets | $969,637,500 | 889 |
| Average earning assets | $957,198,500 | 838 |
| Average equity | $87,636,500 | 1,071 |
| Average total loans | $340,503,000 | 1,527 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6565% | 5,032 |
| Cost of funding earning assets | 0.2736% | 4,556 |
| Net interest margin | 1.3829% | 5,020 |
| Noninterest income to average assets | 8.7916% | 70 |
| Noninterest expense to average assets | 7.4432% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.7139% | 109 |
| Return on assets (ROA) | 2.2818% | 216 |
| Pretax return on assets | 2.2818% | 313 |
| Return on Equity (ROE) | 26.0471% | 96 |
| Retained earnings to average equity (ytd only) | 12.9722% | 354 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2803% | 1,536 |
| Assets per employee ($millions) | 7.2345% | 1,304 |
| Cash dividends to net income (ytd only)* | 50.1972% | 1,549 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 35.5811% | 4,738 |
| Net loans and leases to deposits | 39.5045% | 4,805 |
| Net loans and leases to core deposits | 39.5045% | 4,830 |
| Total domestic deposits to total assets | 90.0685% | 384 |
| Equity capital to assets | 9.2447% | 3,884 |
| Core capital (leverage) ratio | 8.8834% | 4,031 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.1091% | 571 |
| Memoranda: | ||
| Average total assets | $977,838,000 | 873 |
| Average earning assets | $965,503,333 | 813 |
| Average equity | $85,660,333 | 1,083 |
| Average total loans | $329,310,667 | 1,558 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0011% | 5,085 |
| Cost of funding earning assets | 0.5350% | 3,769 |
| Net interest margin | 1.4661% | 5,078 |
| Noninterest income to average assets | 9.2685% | 62 |
| Noninterest expense to average assets | 7.4991% | 105 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 3.2961% | 51 |
| Return on assets (ROA) | 1.6915% | 574 |
| Pretax return on assets | 1.6127% | 1,020 |
| Return on Equity (ROE) | 19.8441% | 171 |
| Retained earnings to average equity (ytd only) | 15.0830% | 187 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9777% | 2,355 |
| Assets per employee ($millions) | 7.6573% | 842 |
| Cash dividends to net income (ytd only)* | 23.9923% | 2,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,068 |
| 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 | 0.0000% | 4,593 |
| Net loans and leases to total assets | 33.7740% | 4,837 |
| Net loans and leases to deposits | 37.2566% | 4,890 |
| Net loans and leases to core deposits | 37.2566% | 4,911 |
| Total domestic deposits to total assets | 90.6523% | 159 |
| Equity capital to assets | 8.6482% | 4,773 |
| Core capital (leverage) ratio | 9.2338% | 4,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.2623% | 617 |
| Memoranda: | ||
| Average total assets | $985,663,000 | 833 |
| Average earning assets | $973,477,000 | 777 |
| Average equity | $84,015,000 | 1,097 |
| Average total loans | $322,787,500 | 1,550 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7734% | 5,097 |
| Cost of funding earning assets | 1.0344% | 1,582 |
| Net interest margin | 1.7391% | 5,118 |
| Noninterest income to average assets | 9.6469% | 58 |
| Noninterest expense to average assets | 8.0292% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 3.1041% | 73 |
| Return on assets (ROA) | 3.4430% | 66 |
| Pretax return on assets | 3.6951% | 69 |
| Return on Equity (ROE) | 36.8580% | 25 |
| Retained earnings to average equity (ytd only) | 8.1810% | 919 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6799% | 2,068 |
| Assets per employee ($millions) | 7.5068% | 858 |
| Cash dividends to net income (ytd only)* | 77.8040% | 866 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| 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 | 0.0000% | 4,619 |
| Net loans and leases to total assets | 31.7019% | 4,941 |
| Net loans and leases to deposits | 34.8901% | 4,990 |
| Net loans and leases to core deposits | 34.8901% | 5,007 |
| Total domestic deposits to total assets | 90.8621% | 135 |
| Equity capital to assets | 8.3864% | 4,955 |
| Core capital (leverage) ratio | 9.3272% | 4,251 |
| Tier 1 risk-based capital ratio | 21.0445% | 1,160 |
| Total risk-based capital ratio | 21.0445% | 1,323 |
| Memoranda: | ||
| Average total assets | $862,331,800 | 916 |
| Average earning assets | $849,417,200 | 852 |
| Average equity | $80,552,400 | 1,088 |
| Average total loans | $271,404,200 | 1,723 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9753% | 5,157 |
| Cost of funding earning assets | 1.1545% | 1,157 |
| Net interest margin | 1.8208% | 5,198 |
| Noninterest income to average assets | 9.7505% | 58 |
| Noninterest expense to average assets | 8.2744% | 92 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 3.0221% | 80 |
| Return on assets (ROA) | 3.2986% | 71 |
| Pretax return on assets | 3.5656% | 78 |
| Return on Equity (ROE) | 34.2871% | 25 |
| Retained earnings to average equity (ytd only) | 15.1759% | 140 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6854% | 1,885 |
| Assets per employee ($millions) | 6.7232% | 1,147 |
| Cash dividends to net income (ytd only)* | 55.7386% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,205 |
| 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 | 0.0000% | 4,706 |
| Net loans and leases to total assets | 34.5264% | 4,979 |
| Net loans and leases to deposits | 38.7117% | 5,024 |
| Net loans and leases to core deposits | 38.7117% | 5,051 |
| Total domestic deposits to total assets | 89.1884% | 559 |
| Equity capital to assets | 9.6910% | 4,300 |
| Core capital (leverage) ratio | 10.1323% | 3,491 |
| Tier 1 risk-based capital ratio | 21.8406% | 1,091 |
| Total risk-based capital ratio | 21.8406% | 1,235 |
| Memoranda: | ||
| Average total assets | $833,944,250 | 943 |
| Average earning assets | $820,779,750 | 881 |
| Average equity | $80,230,250 | 1,081 |
| Average total loans | $261,912,000 | 1,780 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1034% | 5,181 |
| Cost of funding earning assets | 1.1957% | 1,013 |
| Net interest margin | 1.9077% | 5,249 |
| Noninterest income to average assets | 9.7313% | 57 |
| Noninterest expense to average assets | 8.4423% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.9496% | 87 |
| Return on assets (ROA) | 3.4505% | 70 |
| Pretax return on assets | 3.7050% | 77 |
| Return on Equity (ROE) | 35.9587% | 25 |
| Retained earnings to average equity (ytd only) | 19.4941% | 64 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7240% | 1,812 |
| Assets per employee ($millions) | 6.2537% | 1,365 |
| Cash dividends to net income (ytd only)* | 45.7875% | 1,972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,251 |
| 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 | 0.0000% | 4,745 |
| Net loans and leases to total assets | 31.8519% | 5,074 |
| Net loans and leases to deposits | 35.8921% | 5,114 |
| Net loans and leases to core deposits | 35.8921% | 5,125 |
| Total domestic deposits to total assets | 88.7436% | 767 |
| Equity capital to assets | 10.2664% | 3,727 |
| Core capital (leverage) ratio | 9.2191% | 4,437 |
| Tier 1 risk-based capital ratio | 23.3051% | 913 |
| Total risk-based capital ratio | 23.3051% | 1,022 |
| Memoranda: | ||
| Average total assets | $822,828,000 | 949 |
| Average earning assets | $809,756,330 | 890 |
| Average equity | $78,957,330 | 1,093 |
| Average total loans | $249,401,000 | 1,845 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9912% | 5,273 |
| Cost of funding earning assets | 1.1457% | 1,056 |
| Net interest margin | 1.8455% | 5,328 |
| Noninterest income to average assets | 9.1825% | 58 |
| Noninterest expense to average assets | 8.1326% | 85 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.6836% | 123 |
| Return on assets (ROA) | 3.3319% | 78 |
| Pretax return on assets | 3.5639% | 84 |
| Return on Equity (ROE) | 35.9413% | 31 |
| Retained earnings to average equity (ytd only) | 28.1517% | 31 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9364% | 1,762 |
| Assets per employee ($millions) | 6.5917% | 1,195 |
| Cash dividends to net income (ytd only)* | 21.6732% | 2,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,315 |
| 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 | 0.0000% | 4,814 |
| Net loans and leases to total assets | 28.9720% | 5,165 |
| Net loans and leases to deposits | 32.3828% | 5,191 |
| Net loans and leases to core deposits | 32.3828% | 5,207 |
| Total domestic deposits to total assets | 89.4673% | 656 |
| Equity capital to assets | 9.7172% | 4,072 |
| Core capital (leverage) ratio | 9.6736% | 3,947 |
| Tier 1 risk-based capital ratio | 24.3701% | 812 |
| Total risk-based capital ratio | 24.3701% | 902 |
| Memoranda: | ||
| Average total assets | $830,881,500 | 947 |
| Average earning assets | $818,008,500 | 878 |
| Average equity | $77,025,500 | 1,111 |
| Average total loans | $245,623,500 | 1,887 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3782% | 5,351 |
| Cost of funding earning assets | 0.6819% | 2,202 |
| Net interest margin | 1.6963% | 5,364 |
| Noninterest income to average assets | 9.5671% | 54 |
| Noninterest expense to average assets | 8.2569% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.5531% | 139 |
| Return on assets (ROA) | 2.5607% | 135 |
| Pretax return on assets | 2.9862% | 98 |
| Return on Equity (ROE) | 28.1041% | 49 |
| Retained earnings to average equity (ytd only) | 4.0732% | 3,317 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4971% | 1,703 |
| Assets per employee ($millions) | 6.7024% | 1,112 |
| Cash dividends to net income (ytd only)* | 85.5066% | 543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,359 |
| 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 | 0.0000% | 4,837 |
| Net loans and leases to total assets | 30.1417% | 5,205 |
| Net loans and leases to deposits | 33.5015% | 5,231 |
| Net loans and leases to core deposits | 33.5015% | 5,248 |
| Total domestic deposits to total assets | 89.9714% | 489 |
| Equity capital to assets | 8.8264% | 4,714 |
| Core capital (leverage) ratio | 10.6684% | 2,871 |
| Tier 1 risk-based capital ratio | 22.1543% | 1,009 |
| Total risk-based capital ratio | 22.3897% | 1,122 |
| Memoranda: | ||
| Average total assets | $822,087,400 | 933 |
| Average earning assets | $807,991,400 | 874 |
| Average equity | $74,903,600 | 1,093 |
| Average total loans | $243,322,800 | 1,864 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3599% | 5,424 |
| Cost of funding earning assets | 0.6725% | 2,018 |
| Net interest margin | 1.6874% | 5,435 |
| Noninterest income to average assets | 9.4485% | 59 |
| Noninterest expense to average assets | 8.2241% | 86 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 2.6984% | 118 |
| Return on assets (ROA) | 2.7704% | 105 |
| Pretax return on assets | 2.9586% | 116 |
| Return on Equity (ROE) | 30.1642% | 36 |
| Retained earnings to average equity (ytd only) | 11.1785% | 610 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0503% | 1,588 |
| Assets per employee ($millions) | 5.2387% | 2,184 |
| Cash dividends to net income (ytd only)* | 62.9412% | 1,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 41.0192% | 4,996 |
| Net loans and leases to deposits | 47.3810% | 5,026 |
| Net loans and leases to core deposits | 47.3810% | 5,080 |
| Total domestic deposits to total assets | 86.5732% | 1,932 |
| Equity capital to assets | 11.8563% | 2,001 |
| Core capital (leverage) ratio | 10.7170% | 2,868 |
| Tier 1 risk-based capital ratio | 22.6095% | 981 |
| Total risk-based capital ratio | 23.0449% | 1,058 |
| Memoranda: | ||
| Average total assets | $818,158,000 | 936 |
| Average earning assets | $803,755,750 | 873 |
| Average equity | $75,142,500 | 1,088 |
| Average total loans | $241,021,250 | 1,883 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2035% | 5,492 |
| Cost of funding earning assets | 0.6123% | 2,150 |
| Net interest margin | 1.5913% | 5,507 |
| Noninterest income to average assets | 8.8646% | 60 |
| Noninterest expense to average assets | 7.6523% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.6901% | 110 |
| Return on assets (ROA) | 2.7321% | 105 |
| Pretax return on assets | 2.8210% | 138 |
| Return on Equity (ROE) | 32.0818% | 27 |
| Retained earnings to average equity (ytd only) | 16.7407% | 131 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3683% | 1,794 |
| Assets per employee ($millions) | 7.4377% | 782 |
| Cash dividends to net income (ytd only)* | 47.8188% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 25.3676% | 5,396 |
| Net loans and leases to deposits | 27.9149% | 5,416 |
| Net loans and leases to core deposits | 27.9149% | 5,423 |
| Total domestic deposits to total assets | 90.8747% | 282 |
| Equity capital to assets | 8.2984% | 5,075 |
| Core capital (leverage) ratio | 8.3148% | 5,205 |
| Tier 1 risk-based capital ratio | 25.0945% | 725 |
| Total risk-based capital ratio | 25.5113% | 785 |
| Memoranda: | ||
| Average total assets | $872,597,670 | 876 |
| Average earning assets | $858,433,000 | 824 |
| Average equity | $74,310,000 | 1,100 |
| Average total loans | $231,825,000 | 1,945 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1391% | 5,564 |
| Cost of funding earning assets | 0.5558% | 2,350 |
| Net interest margin | 1.5834% | 5,575 |
| Noninterest income to average assets | 9.2280% | 57 |
| Noninterest expense to average assets | 8.0181% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.6774% | 110 |
| Return on assets (ROA) | 2.7335% | 103 |
| Pretax return on assets | 2.8245% | 131 |
| Return on Equity (ROE) | 31.6534% | 36 |
| Retained earnings to average equity (ytd only) | 22.3242% | 73 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3464% | 1,848 |
| Assets per employee ($millions) | 7.4224% | 794 |
| Cash dividends to net income (ytd only)* | 29.4730% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 26.6141% | 5,433 |
| Net loans and leases to deposits | 29.2723% | 5,458 |
| Net loans and leases to core deposits | 29.2723% | 5,468 |
| Total domestic deposits to total assets | 90.9190% | 347 |
| Equity capital to assets | 8.3012% | 5,107 |
| Core capital (leverage) ratio | 8.4754% | 5,157 |
| Tier 1 risk-based capital ratio | 22.5272% | 988 |
| Total risk-based capital ratio | 22.8685% | 1,080 |
| Memoranda: | ||
| Average total assets | $844,039,500 | 908 |
| Average earning assets | $829,863,500 | 857 |
| Average equity | $72,889,500 | 1,125 |
| Average total loans | $229,814,500 | 1,968 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7093% | 5,619 |
| Cost of funding earning assets | 0.3208% | 3,946 |
| Net interest margin | 1.3885% | 5,623 |
| Noninterest income to average assets | 8.7117% | 67 |
| Noninterest expense to average assets | 7.5260% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 3.0146% | 71 |
| Return on assets (ROA) | 3.1476% | 66 |
| Pretax return on assets | 2.6887% | 139 |
| Return on Equity (ROE) | 40.7457% | 15 |
| Retained earnings to average equity (ytd only) | 15.4184% | 80 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6501% | 1,800 |
| Assets per employee ($millions) | 6.6384% | 1,130 |
| Cash dividends to net income (ytd only)* | 62.1595% | 1,651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 27.9258% | 5,469 |
| Net loans and leases to deposits | 31.0624% | 5,503 |
| Net loans and leases to core deposits | 31.0624% | 5,515 |
| Total domestic deposits to total assets | 89.9023% | 603 |
| Equity capital to assets | 9.0162% | 4,698 |
| Core capital (leverage) ratio | 8.6392% | 5,004 |
| Tier 1 risk-based capital ratio | 22.8869% | 921 |
| Total risk-based capital ratio | 23.2622% | 997 |
| Memoranda: | ||
| Average total assets | $868,881,400 | 857 |
| Average earning assets | $857,312,600 | 799 |
| Average equity | $67,121,200 | 1,188 |
| Average total loans | $218,244,800 | 2,014 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6374% | 5,696 |
| Cost of funding earning assets | 0.2953% | 4,174 |
| Net interest margin | 1.3421% | 5,697 |
| Noninterest income to average assets | 8.1781% | 76 |
| Noninterest expense to average assets | 7.2974% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.3150% | 175 |
| Return on assets (ROA) | 2.4855% | 138 |
| Pretax return on assets | 2.3768% | 264 |
| Return on Equity (ROE) | 33.4156% | 25 |
| Retained earnings to average equity (ytd only) | 15.2604% | 111 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7840% | 1,489 |
| Assets per employee ($millions) | 7.2502% | 850 |
| Cash dividends to net income (ytd only)* | 54.3314% | 1,570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 25.6246% | 5,575 |
| Net loans and leases to deposits | 28.2744% | 5,610 |
| Net loans and leases to core deposits | 28.2744% | 5,620 |
| Total domestic deposits to total assets | 90.6283% | 288 |
| Equity capital to assets | 8.2601% | 5,416 |
| Core capital (leverage) ratio | 8.0205% | 5,510 |
| Tier 1 risk-based capital ratio | 23.3433% | 914 |
| Total risk-based capital ratio | 23.7066% | 984 |
| Memoranda: | ||
| Average total assets | $888,609,500 | 849 |
| Average earning assets | $877,704,250 | 777 |
| Average equity | $66,095,250 | 1,212 |
| Average total loans | $217,654,750 | 2,025 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5206% | 5,750 |
| Cost of funding earning assets | 0.2466% | 4,570 |
| Net interest margin | 1.2740% | 5,753 |
| Noninterest income to average assets | 7.9109% | 78 |
| Noninterest expense to average assets | 6.9811% | 126 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.1575% | 231 |
| Return on assets (ROA) | 2.2891% | 185 |
| Pretax return on assets | 2.3216% | 284 |
| Return on Equity (ROE) | 31.8667% | 30 |
| Retained earnings to average equity (ytd only) | 16.4751% | 95 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1316% | 1,703 |
| Assets per employee ($millions) | 7.2885% | 815 |
| Cash dividends to net income (ytd only)* | 48.2998% | 1,935 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 24.7514% | 5,636 |
| Net loans and leases to deposits | 27.0458% | 5,668 |
| Net loans and leases to core deposits | 27.0458% | 5,676 |
| Total domestic deposits to total assets | 91.5166% | 129 |
| Equity capital to assets | 7.6932% | 5,621 |
| Core capital (leverage) ratio | 7.0750% | 5,709 |
| Tier 1 risk-based capital ratio | 22.0179% | 1,051 |
| Total risk-based capital ratio | 22.3685% | 1,142 |
| Memoranda: | ||
| Average total assets | $904,473,000 | 836 |
| Average earning assets | $893,698,000 | 767 |
| Average equity | $64,970,670 | 1,230 |
| Average total loans | $218,370,330 | 2,021 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4027% | 5,826 |
| Cost of funding earning assets | 0.2083% | 4,902 |
| Net interest margin | 1.1944% | 5,823 |
| Noninterest income to average assets | 7.7294% | 81 |
| Noninterest expense to average assets | 6.9950% | 129 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.9199% | 352 |
| Return on assets (ROA) | 2.1471% | 252 |
| Pretax return on assets | 2.1414% | 393 |
| Return on Equity (ROE) | 30.9341% | 40 |
| Retained earnings to average equity (ytd only) | 30.9341% | 26 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5135% | 1,565 |
| Assets per employee ($millions) | 7.8841% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 23.3894% | 5,706 |
| Net loans and leases to deposits | 25.3308% | 5,729 |
| Net loans and leases to core deposits | 25.3308% | 5,739 |
| Total domestic deposits to total assets | 92.3360% | 78 |
| Equity capital to assets | 7.0140% | 5,754 |
| Core capital (leverage) ratio | 6.9479% | 5,768 |
| Tier 1 risk-based capital ratio | 21.7122% | 1,117 |
| Total risk-based capital ratio | 21.9973% | 1,234 |
| Memoranda: | ||
| Average total assets | $919,399,000 | 819 |
| Average earning assets | $908,250,000 | 759 |
| Average equity | $63,813,000 | 1,244 |
| Average total loans | $219,315,000 | 2,031 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3175% | 5,873 |
| Cost of funding earning assets | 0.1102% | 5,655 |
| Net interest margin | 1.2073% | 5,867 |
| Noninterest income to average assets | 8.7444% | 71 |
| Noninterest expense to average assets | 7.7733% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.9661% | 345 |
| Return on assets (ROA) | 1.9765% | 354 |
| Pretax return on assets | 2.1779% | 342 |
| Return on Equity (ROE) | 25.8391% | 68 |
| Retained earnings to average equity (ytd only) | 5.8964% | 1,769 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2041% | 1,666 |
| Assets per employee ($millions) | 7.4392% | 752 |
| Cash dividends to net income (ytd only)* | 77.1803% | 1,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 24.3467% | 5,753 |
| Net loans and leases to deposits | 26.4065% | 5,777 |
| Net loans and leases to core deposits | 26.4065% | 5,789 |
| Total domestic deposits to total assets | 92.1996% | 89 |
| Equity capital to assets | 6.8631% | 5,811 |
| Core capital (leverage) ratio | 6.4992% | 5,841 |
| Tier 1 risk-based capital ratio | 19.7581% | 1,425 |
| Total risk-based capital ratio | 20.0168% | 1,631 |
| Memoranda: | ||
| Average total assets | $786,625,000 | 918 |
| Average earning assets | $778,848,800 | 863 |
| Average equity | $60,172,400 | 1,287 |
| Average total loans | $229,880,800 | 1,903 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3511% | 5,939 |
| Cost of funding earning assets | 0.1133% | 5,707 |
| Net interest margin | 1.2378% | 5,935 |
| Noninterest income to average assets | 8.8678% | 71 |
| Noninterest expense to average assets | 7.9259% | 108 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.9358% | 380 |
| Return on assets (ROA) | 1.9188% | 411 |
| Pretax return on assets | 2.1489% | 424 |
| Return on Equity (ROE) | 24.3494% | 93 |
| Retained earnings to average equity (ytd only) | 8.7679% | 890 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5212% | 1,613 |
| Assets per employee ($millions) | 7.6431% | 688 |
| Cash dividends to net income (ytd only)* | 63.9912% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 23.5834% | 5,827 |
| Net loans and leases to deposits | 25.6437% | 5,850 |
| Net loans and leases to core deposits | 25.6437% | 5,864 |
| Total domestic deposits to total assets | 91.9658% | 76 |
| Equity capital to assets | 7.0806% | 5,882 |
| Core capital (leverage) ratio | 7.1267% | 5,868 |
| Tier 1 risk-based capital ratio | 18.5444% | 1,780 |
| Total risk-based capital ratio | 18.7878% | 2,028 |
| Memoranda: | ||
| Average total assets | $760,105,500 | 947 |
| Average earning assets | $752,958,750 | 885 |
| Average equity | $59,898,750 | 1,298 |
| Average total loans | $233,015,000 | 1,885 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4477% | 6,019 |
| Cost of funding earning assets | 0.1262% | 5,722 |
| Net interest margin | 1.3214% | 6,012 |
| Noninterest income to average assets | 9.1813% | 66 |
| Noninterest expense to average assets | 8.2176% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.0300% | 314 |
| Return on assets (ROA) | 2.0007% | 344 |
| Pretax return on assets | 2.2394% | 342 |
| Return on Equity (ROE) | 24.3945% | 99 |
| Retained earnings to average equity (ytd only) | 10.9038% | 447 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3377% | 1,739 |
| Assets per employee ($millions) | 7.4575% | 714 |
| Cash dividends to net income (ytd only)* | 55.3021% | 1,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 26.6984% | 5,855 |
| Net loans and leases to deposits | 29.1075% | 5,892 |
| Net loans and leases to core deposits | 29.1075% | 5,907 |
| Total domestic deposits to total assets | 91.7237% | 110 |
| Equity capital to assets | 7.3845% | 5,931 |
| Core capital (leverage) ratio | 7.2459% | 5,922 |
| Tier 1 risk-based capital ratio | 17.4029% | 2,097 |
| Total risk-based capital ratio | 17.5575% | 2,443 |
| Memoranda: | ||
| Average total assets | $723,035,670 | 997 |
| Average earning assets | $716,044,330 | 930 |
| Average equity | $59,300,330 | 1,311 |
| Average total loans | $242,191,330 | 1,844 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6250% | 6,078 |
| Cost of funding earning assets | 0.1720% | 5,448 |
| Net interest margin | 1.4530% | 6,070 |
| Noninterest income to average assets | 9.8697% | 60 |
| Noninterest expense to average assets | 8.6965% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.3252% | 198 |
| Return on assets (ROA) | 2.2640% | 224 |
| Pretax return on assets | 2.5427% | 222 |
| Return on Equity (ROE) | 26.0271% | 87 |
| Retained earnings to average equity (ytd only) | 19.2083% | 107 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9053% | 2,058 |
| Assets per employee ($millions) | 7.5722% | 676 |
| Cash dividends to net income (ytd only)* | 26.1986% | 2,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 28.6332% | 5,860 |
| Net loans and leases to deposits | 31.1900% | 5,913 |
| Net loans and leases to core deposits | 31.1900% | 5,931 |
| Total domestic deposits to total assets | 91.8025% | 128 |
| Equity capital to assets | 7.4230% | 5,959 |
| Core capital (leverage) ratio | 6.4465% | 6,035 |
| Tier 1 risk-based capital ratio | 15.8709% | 2,752 |
| Total risk-based capital ratio | 16.0031% | 3,203 |
| Memoranda: | ||
| Average total assets | $674,389,000 | 1,050 |
| Average earning assets | $667,573,000 | 996 |
| Average equity | $58,662,000 | 1,320 |
| Average total loans | $253,779,500 | 1,772 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5355% | 6,122 |
| Cost of funding earning assets | 0.0087% | 6,155 |
| Net interest margin | 1.5268% | 6,107 |
| Noninterest income to average assets | 10.2712% | 65 |
| Noninterest expense to average assets | 9.2243% | 84 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.3005% | 208 |
| Return on assets (ROA) | 2.3380% | 199 |
| Pretax return on assets | 2.5983% | 175 |
| Return on Equity (ROE) | 25.6660% | 91 |
| Retained earnings to average equity (ytd only) | 2.4847% | 4,302 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2984% | 1,921 |
| Assets per employee ($millions) | 5.0332% | 2,331 |
| Cash dividends to net income (ytd only)* | 90.3191% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 51.1677% | 4,758 |
| Net loans and leases to deposits | 58.0439% | 4,905 |
| Net loans and leases to core deposits | 58.0439% | 5,098 |
| Total domestic deposits to total assets | 88.1533% | 1,555 |
| Equity capital to assets | 10.6174% | 3,223 |
| Core capital (leverage) ratio | 9.9041% | 3,637 |
| Tier 1 risk-based capital ratio | 15.7076% | 2,827 |
| Total risk-based capital ratio | 15.8479% | 3,308 |
| Memoranda: | ||
| Average total assets | $639,309,200 | 1,071 |
| Average earning assets | $632,181,800 | 1,005 |
| Average equity | $58,236,600 | 1,291 |
| Average total loans | $283,939,400 | 1,536 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4927% | 6,220 |
| Cost of funding earning assets | 0.0075% | 6,242 |
| Net interest margin | 1.4852% | 6,206 |
| Noninterest income to average assets | 9.8721% | 67 |
| Noninterest expense to average assets | 8.6899% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.3931% | 187 |
| Return on assets (ROA) | 2.4906% | 166 |
| Pretax return on assets | 2.7599% | 158 |
| Return on Equity (ROE) | 28.2908% | 70 |
| Retained earnings to average equity (ytd only) | 8.9182% | 935 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6206% | 2,143 |
| Assets per employee ($millions) | 5.7494% | 1,548 |
| Cash dividends to net income (ytd only)* | 68.4766% | 1,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 46.8132% | 5,167 |
| Net loans and leases to deposits | 52.5833% | 5,335 |
| Net loans and leases to core deposits | 52.5833% | 5,476 |
| Total domestic deposits to total assets | 89.0268% | 1,016 |
| Equity capital to assets | 9.8470% | 4,347 |
| Core capital (leverage) ratio | 9.6231% | 4,142 |
| Tier 1 risk-based capital ratio | 15.5541% | 3,025 |
| Total risk-based capital ratio | 15.6378% | 3,553 |
| Memoranda: | ||
| Average total assets | $664,497,250 | 1,040 |
| Average earning assets | $657,389,500 | 974 |
| Average equity | $58,500,500 | 1,295 |
| Average total loans | $286,032,500 | 1,528 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4595% | 6,299 |
| Cost of funding earning assets | 0.0077% | 6,318 |
| Net interest margin | 1.4518% | 6,283 |
| Noninterest income to average assets | 9.6144% | 76 |
| Noninterest expense to average assets | 8.5761% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.2484% | 235 |
| Return on assets (ROA) | 2.4551% | 185 |
| Pretax return on assets | 2.7025% | 190 |
| Return on Equity (ROE) | 28.8937% | 75 |
| Retained earnings to average equity (ytd only) | 9.9887% | 665 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6019% | 2,123 |
| Assets per employee ($millions) | 6.0208% | 1,333 |
| Cash dividends to net income (ytd only)* | 65.4295% | 1,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 46.8336% | 5,186 |
| Net loans and leases to deposits | 52.4440% | 5,355 |
| Net loans and leases to core deposits | 52.4440% | 5,513 |
| Total domestic deposits to total assets | 89.3021% | 1,003 |
| Equity capital to assets | 9.6425% | 4,479 |
| Core capital (leverage) ratio | 8.1727% | 5,808 |
| Tier 1 risk-based capital ratio | 14.9711% | 3,375 |
| Total risk-based capital ratio | 15.1612% | 3,913 |
| Memoranda: | ||
| Average total assets | $684,767,330 | 1,021 |
| Average earning assets | $677,763,000 | 954 |
| Average equity | $58,185,670 | 1,309 |
| Average total loans | $287,175,000 | 1,529 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4017% | 6,374 |
| Cost of funding earning assets | 0.0078% | 6,386 |
| Net interest margin | 1.3938% | 6,358 |
| Noninterest income to average assets | 9.1000% | 80 |
| Noninterest expense to average assets | 8.1051% | 117 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1769% | 238 |
| Return on assets (ROA) | 2.3747% | 195 |
| Pretax return on assets | 2.5908% | 211 |
| Return on Equity (ROE) | 29.6515% | 59 |
| Retained earnings to average equity (ytd only) | 12.3114% | 529 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3320% | 2,293 |
| Assets per employee ($millions) | 7.3606% | 722 |
| Cash dividends to net income (ytd only)* | 58.4795% | 1,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 37.5075% | 5,748 |
| Net loans and leases to deposits | 41.1670% | 5,872 |
| Net loans and leases to core deposits | 41.1670% | 5,931 |
| Total domestic deposits to total assets | 91.1106% | 333 |
| Equity capital to assets | 7.7932% | 6,101 |
| Core capital (leverage) ratio | 7.7260% | 6,056 |
| Tier 1 risk-based capital ratio | 13.9355% | 4,066 |
| Total risk-based capital ratio | 14.1536% | 4,577 |
| Memoranda: | ||
| Average total assets | $720,089,500 | 964 |
| Average earning assets | $713,439,000 | 904 |
| Average equity | $57,670,000 | 1,322 |
| Average total loans | $286,954,500 | 1,530 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4547% | 6,453 |
| Cost of funding earning assets | 0.0069% | 6,479 |
| Net interest margin | 1.4478% | 6,437 |
| Noninterest income to average assets | 9.6993% | 68 |
| Noninterest expense to average assets | 8.1204% | 105 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.7433% | 115 |
| Return on assets (ROA) | 2.7968% | 109 |
| Pretax return on assets | 3.0690% | 106 |
| Return on Equity (ROE) | 32.5863% | 44 |
| Retained earnings to average equity (ytd only) | -1.0398% | 5,924 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9556% | 3,045 |
| Assets per employee ($millions) | 6.9635% | 861 |
| Cash dividends to net income (ytd only)* | 103.1910% | 314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 42.4012% | 5,583 |
| Net loans and leases to deposits | 46.5611% | 5,769 |
| Net loans and leases to core deposits | 46.5611% | 5,865 |
| Total domestic deposits to total assets | 91.0656% | 346 |
| Equity capital to assets | 8.2535% | 5,930 |
| Core capital (leverage) ratio | 8.5382% | 5,517 |
| Tier 1 risk-based capital ratio | 14.4610% | 3,802 |
| Total risk-based capital ratio | 14.7054% | 4,379 |
| Memoranda: | ||
| Average total assets | $675,666,000 | 987 |
| Average earning assets | $667,968,400 | 924 |
| Average equity | $57,990,600 | 1,257 |
| Average total loans | $276,462,200 | 1,539 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4361% | 6,541 |
| Cost of funding earning assets | 0.0070% | 6,561 |
| Net interest margin | 1.4290% | 6,521 |
| Noninterest income to average assets | 9.7297% | 68 |
| Noninterest expense to average assets | 8.0359% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 2.8497% | 102 |
| Return on assets (ROA) | 2.9423% | 99 |
| Pretax return on assets | 3.2065% | 100 |
| Return on Equity (ROE) | 33.9484% | 43 |
| Retained earnings to average equity (ytd only) | 5.3434% | 2,852 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1246% | 3,151 |
| Assets per employee ($millions) | 7.1787% | 742 |
| Cash dividends to net income (ytd only)* | 84.2602% | 646 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 49.3459% | 5,072 |
| Net loans and leases to deposits | 55.1968% | 5,295 |
| Net loans and leases to core deposits | 55.1968% | 5,493 |
| Total domestic deposits to total assets | 89.3999% | 1,027 |
| Equity capital to assets | 9.4562% | 4,850 |
| Core capital (leverage) ratio | 9.2760% | 4,670 |
| Tier 1 risk-based capital ratio | 14.9917% | 3,595 |
| Total risk-based capital ratio | 15.1995% | 4,195 |
| Memoranda: | ||
| Average total assets | $672,235,250 | 1,004 |
| Average earning assets | $664,208,250 | 934 |
| Average equity | $58,263,500 | 1,259 |
| Average total loans | $272,500,500 | 1,568 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3575% | 6,609 |
| Cost of funding earning assets | 0.0071% | 6,624 |
| Net interest margin | 1.3504% | 6,595 |
| Noninterest income to average assets | 9.6246% | 68 |
| Noninterest expense to average assets | 7.8689% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 2.8446% | 101 |
| Return on assets (ROA) | 2.9667% | 98 |
| Pretax return on assets | 3.2231% | 98 |
| Return on Equity (ROE) | 35.2141% | 40 |
| Retained earnings to average equity (ytd only) | 4.0573% | 3,593 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8011% | 3,381 |
| Assets per employee ($millions) | 7.4434% | 648 |
| Cash dividends to net income (ytd only)* | 88.4782% | 720 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 45.0713% | 5,458 |
| Net loans and leases to deposits | 50.0467% | 5,633 |
| Net loans and leases to core deposits | 50.0467% | 5,785 |
| Total domestic deposits to total assets | 90.0585% | 777 |
| Equity capital to assets | 8.9893% | 5,314 |
| Core capital (leverage) ratio | 8.8639% | 5,216 |
| Tier 1 risk-based capital ratio | 14.9460% | 3,669 |
| Total risk-based capital ratio | 15.1870% | 4,236 |
| Memoranda: | ||
| Average total assets | $685,739,670 | 984 |
| Average earning assets | $677,725,000 | 911 |
| Average equity | $57,772,330 | 1,264 |
| Average total loans | $259,424,330 | 1,632 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2704% | 6,691 |
| Cost of funding earning assets | 0.0075% | 6,695 |
| Net interest margin | 1.2629% | 6,680 |
| Noninterest income to average assets | 9.3487% | 65 |
| Noninterest expense to average assets | 7.7045% | 117 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.6455% | 130 |
| Return on assets (ROA) | 2.8241% | 110 |
| Pretax return on assets | 3.0906% | 132 |
| Return on Equity (ROE) | 34.6048% | 47 |
| Retained earnings to average equity (ytd only) | -3.8450% | 6,045 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6920% | 3,361 |
| Assets per employee ($millions) | 7.3580% | 676 |
| Cash dividends to net income (ytd only)* | 111.1111% | 575 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 37.4971% | 5,980 |
| Net loans and leases to deposits | 41.4954% | 6,103 |
| Net loans and leases to core deposits | 41.4954% | 6,179 |
| Total domestic deposits to total assets | 90.3645% | 881 |
| Equity capital to assets | 8.7757% | 5,365 |
| Core capital (leverage) ratio | 7.9120% | 6,172 |
| Tier 1 risk-based capital ratio | 16.6021% | 2,846 |
| Total risk-based capital ratio | 16.8194% | 3,366 |
| Memoranda: | ||
| Average total assets | $701,099,500 | 970 |
| Average earning assets | $693,971,500 | 891 |
| Average equity | $57,217,500 | 1,271 |
| Average total loans | $241,523,500 | 1,748 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2914% | 6,761 |
| Cost of funding earning assets | 0.0079% | 6,781 |
| Net interest margin | 1.2835% | 6,743 |
| Noninterest income to average assets | 7.7718% | 83 |
| Noninterest expense to average assets | 6.4971% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.3163% | 208 |
| Return on assets (ROA) | 2.4124% | 189 |
| Pretax return on assets | 2.6441% | 170 |
| Return on Equity (ROE) | 33.0942% | 51 |
| Retained earnings to average equity (ytd only) | 7.7100% | 1,147 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9057% | 3,497 |
| Assets per employee ($millions) | 8.3855% | 405 |
| Cash dividends to net income (ytd only)* | 76.7029% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 31.8343% | 6,396 |
| Net loans and leases to deposits | 34.7263% | 6,468 |
| Net loans and leases to core deposits | 34.7263% | 6,502 |
| Total domestic deposits to total assets | 91.6719% | 361 |
| Equity capital to assets | 7.6338% | 6,219 |
| Core capital (leverage) ratio | 7.4527% | 6,390 |
| Tier 1 risk-based capital ratio | 16.5875% | 2,803 |
| Total risk-based capital ratio | 16.8372% | 3,269 |
| Memoranda: | ||
| Average total assets | $767,394,400 | 872 |
| Average earning assets | $755,596,400 | 795 |
| Average equity | $55,940,400 | 1,276 |
| Average total loans | $252,379,400 | 1,647 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3221% | 6,844 |
| Cost of funding earning assets | 0.0081% | 6,861 |
| Net interest margin | 1.3140% | 6,827 |
| Noninterest income to average assets | 7.7003% | 86 |
| Noninterest expense to average assets | 6.4752% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.2992% | 216 |
| Return on assets (ROA) | 2.4369% | 192 |
| Pretax return on assets | 2.6683% | 192 |
| Return on Equity (ROE) | 33.8209% | 48 |
| Retained earnings to average equity (ytd only) | 11.7283% | 464 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0102% | 3,402 |
| Assets per employee ($millions) | 8.1353% | 440 |
| Cash dividends to net income (ytd only)* | 65.3223% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 30.7591% | 6,506 |
| Net loans and leases to deposits | 33.6925% | 6,578 |
| Net loans and leases to core deposits | 33.6925% | 6,616 |
| Total domestic deposits to total assets | 91.2937% | 426 |
| Equity capital to assets | 7.8546% | 6,230 |
| Core capital (leverage) ratio | 7.3945% | 6,484 |
| Tier 1 risk-based capital ratio | 17.4096% | 2,538 |
| Total risk-based capital ratio | 17.5716% | 2,989 |
| Memoranda: | ||
| Average total assets | $770,569,000 | 878 |
| Average earning assets | $757,551,500 | 800 |
| Average equity | $55,522,500 | 1,293 |
| Average total loans | $255,411,250 | 1,627 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3273% | 6,895 |
| Cost of funding earning assets | 0.0081% | 6,912 |
| Net interest margin | 1.3192% | 6,875 |
| Noninterest income to average assets | 7.8234% | 88 |
| Noninterest expense to average assets | 6.3850% | 178 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.4955% | 176 |
| Return on assets (ROA) | 2.6049% | 165 |
| Pretax return on assets | 2.8546% | 171 |
| Return on Equity (ROE) | 37.1965% | 37 |
| Retained earnings to average equity (ytd only) | 16.4163% | 178 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0160% | 3,822 |
| Assets per employee ($millions) | 9.2496% | 272 |
| Cash dividends to net income (ytd only)* | 55.8659% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 34.8775% | 6,365 |
| Net loans and leases to deposits | 37.9121% | 6,490 |
| Net loans and leases to core deposits | 37.9121% | 6,542 |
| Total domestic deposits to total assets | 91.9957% | 249 |
| Equity capital to assets | 7.2716% | 6,520 |
| Core capital (leverage) ratio | 6.6448% | 6,680 |
| Tier 1 risk-based capital ratio | 15.1676% | 3,668 |
| Total risk-based capital ratio | 15.2837% | 4,358 |
| Memoranda: | ||
| Average total assets | $783,365,670 | 860 |
| Average earning assets | $769,549,670 | 787 |
| Average equity | $54,860,000 | 1,311 |
| Average total loans | $265,477,670 | 1,574 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2970% | 6,977 |
| Cost of funding earning assets | 0.0083% | 6,989 |
| Net interest margin | 1.2887% | 6,956 |
| Noninterest income to average assets | 7.6856% | 93 |
| Noninterest expense to average assets | 6.1722% | 196 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.5323% | 154 |
| Return on assets (ROA) | 2.6281% | 148 |
| Pretax return on assets | 2.8814% | 174 |
| Return on Equity (ROE) | 38.2524% | 41 |
| Retained earnings to average equity (ytd only) | 19.7480% | 151 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9759% | 4,149 |
| Assets per employee ($millions) | 9.9387% | 232 |
| Cash dividends to net income (ytd only)* | 48.3746% | 1,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,961 |
| 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 | 0.0000% | 6,535 |
| Net loans and leases to total assets | 31.3235% | 6,546 |
| Net loans and leases to deposits | 34.1303% | 6,633 |
| Net loans and leases to core deposits | 34.1303% | 6,670 |
| Total domestic deposits to total assets | 91.7763% | 289 |
| Equity capital to assets | 6.6670% | 6,767 |
| Core capital (leverage) ratio | 6.4485% | 6,754 |
| Tier 1 risk-based capital ratio | 14.3580% | 4,262 |
| Total risk-based capital ratio | 14.5011% | 4,990 |
| Memoranda: | ||
| Average total assets | $786,564,000 | 862 |
| Average earning assets | $770,723,500 | 796 |
| Average equity | $54,041,000 | 1,349 |
| Average total loans | $262,723,000 | 1,596 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4451% | 7,029 |
| Cost of funding earning assets | 0.0087% | 7,063 |
| Net interest margin | 1.4364% | 6,998 |
| Noninterest income to average assets | 7.5319% | 97 |
| Noninterest expense to average assets | 6.9603% | 150 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.8083% | 499 |
| Return on assets (ROA) | 1.8275% | 551 |
| Pretax return on assets | 2.0013% | 599 |
| Return on Equity (ROE) | 25.1050% | 124 |
| Retained earnings to average equity (ytd only) | 4.2898% | 3,203 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8510% | 2,469 |
| Assets per employee ($millions) | 8.8949% | 336 |
| Cash dividends to net income (ytd only)* | 82.9125% | 909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 35.7510% | 6,448 |
| Net loans and leases to deposits | 39.2627% | 6,585 |
| Net loans and leases to core deposits | 39.2627% | 6,637 |
| Total domestic deposits to total assets | 91.0558% | 475 |
| Equity capital to assets | 7.1006% | 6,753 |
| Core capital (leverage) ratio | 7.2437% | 6,617 |
| Tier 1 risk-based capital ratio | 14.5471% | 3,993 |
| Total risk-based capital ratio | 14.6381% | 4,786 |
| Memoranda: | ||
| Average total assets | $725,970,200 | 913 |
| Average earning assets | $711,986,400 | 845 |
| Average equity | $52,846,000 | 1,345 |
| Average total loans | $258,053,800 | 1,603 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4699% | 7,138 |
| Cost of funding earning assets | 0.0092% | 7,162 |
| Net interest margin | 1.4607% | 7,110 |
| Noninterest income to average assets | 7.5113% | 95 |
| Noninterest expense to average assets | 6.8300% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.9318% | 425 |
| Return on assets (ROA) | 1.9554% | 471 |
| Pretax return on assets | 2.1395% | 535 |
| Return on Equity (ROE) | 26.6952% | 115 |
| Retained earnings to average equity (ytd only) | 9.0696% | 1,202 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3683% | 2,615 |
| Assets per employee ($millions) | 7.8616% | 506 |
| Cash dividends to net income (ytd only)* | 66.0253% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 37.5362% | 6,445 |
| Net loans and leases to deposits | 41.6111% | 6,615 |
| Net loans and leases to core deposits | 41.6111% | 6,681 |
| Total domestic deposits to total assets | 90.2073% | 725 |
| Equity capital to assets | 8.2580% | 6,455 |
| Core capital (leverage) ratio | 7.4376% | 6,651 |
| Tier 1 risk-based capital ratio | 16.4841% | 3,010 |
| Total risk-based capital ratio | 16.5547% | 3,600 |
| Memoranda: | ||
| Average total assets | $722,893,750 | 924 |
| Average earning assets | $708,793,250 | 855 |
| Average equity | $52,952,000 | 1,353 |
| Average total loans | $256,582,000 | 1,626 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4458% | 7,207 |
| Cost of funding earning assets | 0.0079% | 7,225 |
| Net interest margin | 1.4378% | 7,181 |
| Noninterest income to average assets | 7.4252% | 99 |
| Noninterest expense to average assets | 6.6706% | 161 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.9838% | 399 |
| Return on assets (ROA) | 2.0240% | 432 |
| Pretax return on assets | 2.2102% | 475 |
| Return on Equity (ROE) | 28.6963% | 87 |
| Retained earnings to average equity (ytd only) | 13.4990% | 391 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4837% | 2,827 |
| Assets per employee ($millions) | 8.7981% | 347 |
| Cash dividends to net income (ytd only)* | 52.9591% | 1,630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 34.0795% | 6,718 |
| Net loans and leases to deposits | 37.3292% | 6,829 |
| Net loans and leases to core deposits | 37.3292% | 6,881 |
| Total domestic deposits to total assets | 91.2943% | 358 |
| Equity capital to assets | 7.5822% | 6,766 |
| Core capital (leverage) ratio | 7.0320% | 6,810 |
| Tier 1 risk-based capital ratio | 16.6855% | 2,812 |
| Total risk-based capital ratio | 16.6855% | 3,449 |
| Memoranda: | ||
| Average total assets | $746,353,000 | 898 |
| Average earning assets | $732,902,670 | 824 |
| Average equity | $52,641,000 | 1,353 |
| Average total loans | $260,466,000 | 1,605 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4615% | 7,270 |
| Cost of funding earning assets | 0.0080% | 7,287 |
| Net interest margin | 1.4535% | 7,240 |
| Noninterest income to average assets | 7.3006% | 97 |
| Noninterest expense to average assets | 6.3527% | 180 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.1807% | 302 |
| Return on assets (ROA) | 2.2272% | 330 |
| Pretax return on assets | 2.4262% | 371 |
| Return on Equity (ROE) | 32.7021% | 82 |
| Retained earnings to average equity (ytd only) | 25.0507% | 92 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7821% | 3,291 |
| Assets per employee ($millions) | 10.2946% | 218 |
| Cash dividends to net income (ytd only)* | 23.3973% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 31.9615% | 6,833 |
| Net loans and leases to deposits | 34.5871% | 6,933 |
| Net loans and leases to core deposits | 34.5871% | 6,979 |
| Total domestic deposits to total assets | 92.4086% | 203 |
| Equity capital to assets | 6.6334% | 6,989 |
| Core capital (leverage) ratio | 6.6597% | 6,938 |
| Tier 1 risk-based capital ratio | 15.5716% | 3,401 |
| Total risk-based capital ratio | 15.6482% | 4,146 |
| Memoranda: | ||
| Average total assets | $767,605,000 | 868 |
| Average earning assets | $754,028,000 | 800 |
| Average equity | $52,278,000 | 1,352 |
| Average total loans | $270,765,000 | 1,550 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7449% | 7,304 |
| Cost of funding earning assets | 0.0554% | 7,325 |
| Net interest margin | 1.6895% | 7,274 |
| Noninterest income to average assets | 7.7793% | 80 |
| Noninterest expense to average assets | 7.7078% | 112 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.5797% | 699 |
| Return on assets (ROA) | 1.6360% | 672 |
| Pretax return on assets | 1.7918% | 813 |
| Return on Equity (ROE) | 21.5181% | 200 |
| Retained earnings to average equity (ytd only) | 3.8226% | 3,491 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6703% | 2,066 |
| Assets per employee ($millions) | 8.8041% | 351 |
| Cash dividends to net income (ytd only)* | 82.2353% | 725 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 39.0056% | 6,598 |
| Net loans and leases to deposits | 42.2439% | 6,793 |
| Net loans and leases to core deposits | 42.2439% | 6,877 |
| Total domestic deposits to total assets | 92.3345% | 195 |
| Equity capital to assets | 7.0101% | 6,960 |
| Core capital (leverage) ratio | 6.5810% | 6,964 |
| Tier 1 risk-based capital ratio | 16.3324% | 2,895 |
| Total risk-based capital ratio | 16.3535% | 3,542 |
| Memoranda: | ||
| Average total assets | $672,692,000 | 964 |
| Average earning assets | $660,318,200 | 901 |
| Average equity | $51,143,000 | 1,341 |
| Average total loans | $284,513,600 | 1,500 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7730% | 7,380 |
| Cost of funding earning assets | 0.0722% | 7,395 |
| Net interest margin | 1.7008% | 7,350 |
| Noninterest income to average assets | 8.0608% | 76 |
| Noninterest expense to average assets | 7.8908% | 109 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6798% | 666 |
| Return on assets (ROA) | 1.7434% | 630 |
| Pretax return on assets | 1.9083% | 767 |
| Return on Equity (ROE) | 22.4528% | 203 |
| Retained earnings to average equity (ytd only) | 7.3716% | 1,786 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1036% | 2,095 |
| Assets per employee ($millions) | 9.1621% | 314 |
| Cash dividends to net income (ytd only)* | 67.1685% | 963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 38.3468% | 6,753 |
| Net loans and leases to deposits | 41.5417% | 6,930 |
| Net loans and leases to core deposits | 41.5417% | 6,994 |
| Total domestic deposits to total assets | 92.3093% | 178 |
| Equity capital to assets | 6.8442% | 7,081 |
| Core capital (leverage) ratio | 6.8175% | 7,003 |
| Tier 1 risk-based capital ratio | 14.9467% | 3,692 |
| Total risk-based capital ratio | 14.9467% | 4,545 |
| Memoranda: | ||
| Average total assets | $660,381,500 | 987 |
| Average earning assets | $647,845,000 | 926 |
| Average equity | $51,276,750 | 1,333 |
| Average total loans | $285,243,250 | 1,511 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8261% | 7,457 |
| Cost of funding earning assets | 0.0906% | 7,462 |
| Net interest margin | 1.7355% | 7,420 |
| Noninterest income to average assets | 8.5383% | 77 |
| Noninterest expense to average assets | 8.4041% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6818% | 623 |
| Return on assets (ROA) | 1.9096% | 431 |
| Pretax return on assets | 2.0845% | 508 |
| Return on Equity (ROE) | 23.4867% | 181 |
| Retained earnings to average equity (ytd only) | 8.6513% | 1,219 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0630% | 2,093 |
| Assets per employee ($millions) | 7.8896% | 478 |
| Cash dividends to net income (ytd only)* | 63.1649% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 45.2638% | 6,329 |
| Net loans and leases to deposits | 49.8281% | 6,613 |
| Net loans and leases to core deposits | 49.8281% | 6,766 |
| Total domestic deposits to total assets | 90.8398% | 568 |
| Equity capital to assets | 8.1502% | 6,551 |
| Core capital (leverage) ratio | 7.7298% | 6,562 |
| Tier 1 risk-based capital ratio | 14.3380% | 3,911 |
| Total risk-based capital ratio | 14.4729% | 4,725 |
| Memoranda: | ||
| Average total assets | $630,076,670 | 1,047 |
| Average earning assets | $618,149,330 | 969 |
| Average equity | $51,229,000 | 1,312 |
| Average total loans | $284,291,670 | 1,530 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8179% | 7,515 |
| Cost of funding earning assets | 0.0801% | 7,533 |
| Net interest margin | 1.7378% | 7,466 |
| Noninterest income to average assets | 8.4350% | 84 |
| Noninterest expense to average assets | 8.3257% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6614% | 605 |
| Return on assets (ROA) | 1.9144% | 419 |
| Pretax return on assets | 2.0896% | 481 |
| Return on Equity (ROE) | 23.5743% | 195 |
| Retained earnings to average equity (ytd only) | 9.4014% | 1,267 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1048% | 2,212 |
| Assets per employee ($millions) | 7.8016% | 509 |
| Cash dividends to net income (ytd only)* | 60.1202% | 1,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 42.4351% | 6,581 |
| Net loans and leases to deposits | 46.9569% | 6,799 |
| Net loans and leases to core deposits | 46.9569% | 6,929 |
| Total domestic deposits to total assets | 90.3703% | 921 |
| Equity capital to assets | 8.3503% | 6,104 |
| Core capital (leverage) ratio | 7.6671% | 6,583 |
| Tier 1 risk-based capital ratio | 15.2295% | 3,301 |
| Total risk-based capital ratio | 15.4574% | 3,903 |
| Memoranda: | ||
| Average total assets | $625,584,500 | 1,066 |
| Average earning assets | $613,892,500 | 989 |
| Average equity | $50,801,000 | 1,312 |
| Average total loans | $281,806,000 | 1,556 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8162% | 7,570 |
| Cost of funding earning assets | 0.1303% | 7,574 |
| Net interest margin | 1.6859% | 7,525 |
| Noninterest income to average assets | 8.1470% | 80 |
| Noninterest expense to average assets | 8.8891% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.8276% | 2,680 |
| Return on assets (ROA) | 0.9321% | 2,399 |
| Pretax return on assets | 1.0241% | 2,852 |
| Return on Equity (ROE) | 11.3535% | 1,492 |
| Retained earnings to average equity (ytd only) | 3.5207% | 3,392 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7199% | 1,264 |
| Assets per employee ($millions) | 8.4646% | 401 |
| Cash dividends to net income (ytd only)* | 68.9899% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 47.5823% | 6,430 |
| Net loans and leases to deposits | 52.2154% | 6,733 |
| Net loans and leases to core deposits | 52.2154% | 6,896 |
| Total domestic deposits to total assets | 91.1270% | 545 |
| Equity capital to assets | 7.8975% | 6,585 |
| Core capital (leverage) ratio | 7.2097% | 6,902 |
| Tier 1 risk-based capital ratio | 12.6881% | 4,871 |
| Total risk-based capital ratio | 12.8828% | 5,791 |
| Memoranda: | ||
| Average total assets | $606,504,000 | 1,102 |
| Average earning assets | $594,103,600 | 1,020 |
| Average equity | $49,791,000 | 1,346 |
| Average total loans | $267,416,600 | 1,663 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7933% | 7,701 |
| Cost of funding earning assets | 0.1382% | 7,693 |
| Net interest margin | 1.6551% | 7,650 |
| Noninterest income to average assets | 8.2462% | 78 |
| Noninterest expense to average assets | 8.9889% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.7990% | 2,999 |
| Return on assets (ROA) | 0.9204% | 2,672 |
| Pretax return on assets | 1.0105% | 3,144 |
| Return on Equity (ROE) | 11.1000% | 1,757 |
| Retained earnings to average equity (ytd only) | 7.3446% | 1,675 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1104% | 1,204 |
| Assets per employee ($millions) | 7.9667% | 516 |
| Cash dividends to net income (ytd only)* | 33.8327% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 44.1323% | 6,833 |
| Net loans and leases to deposits | 48.9646% | 7,046 |
| Net loans and leases to core deposits | 48.9646% | 7,162 |
| Total domestic deposits to total assets | 90.1309% | 814 |
| Equity capital to assets | 8.6834% | 6,043 |
| Core capital (leverage) ratio | 7.3833% | 6,954 |
| Tier 1 risk-based capital ratio | 14.5262% | 3,496 |
| Total risk-based capital ratio | 14.6314% | 4,256 |
| Memoranda: | ||
| Average total assets | $599,418,750 | 1,125 |
| Average earning assets | $586,626,000 | 1,035 |
| Average equity | $49,704,500 | 1,353 |
| Average total loans | $258,752,250 | 1,732 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7636% | 7,780 |
| Cost of funding earning assets | 0.1383% | 7,767 |
| Net interest margin | 1.6253% | 7,726 |
| Noninterest income to average assets | 8.2082% | 83 |
| Noninterest expense to average assets | 9.1151% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6273% | 3,744 |
| Return on assets (ROA) | 0.8273% | 2,990 |
| Pretax return on assets | 0.9019% | 3,484 |
| Return on Equity (ROE) | 10.1324% | 2,056 |
| Retained earnings to average equity (ytd only) | 6.4745% | 2,088 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0144% | 1,126 |
| Assets per employee ($millions) | 8.3825% | 429 |
| Cash dividends to net income (ytd only)* | 36.1011% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 44.3993% | 6,890 |
| Net loans and leases to deposits | 49.0184% | 7,108 |
| Net loans and leases to core deposits | 49.0184% | 7,250 |
| Total domestic deposits to total assets | 90.5767% | 653 |
| Equity capital to assets | 7.9414% | 6,815 |
| Core capital (leverage) ratio | 6.9222% | 7,231 |
| Tier 1 risk-based capital ratio | 13.2737% | 4,228 |
| Total risk-based capital ratio | 13.2743% | 5,254 |
| Memoranda: | ||
| Average total assets | $602,712,670 | 1,124 |
| Average earning assets | $590,154,330 | 1,038 |
| Average equity | $49,208,670 | 1,360 |
| Average total loans | $258,277,670 | 1,762 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7857% | 7,883 |
| Cost of funding earning assets | 0.1416% | 7,870 |
| Net interest margin | 1.6441% | 7,806 |
| Noninterest income to average assets | 7.7991% | 89 |
| Noninterest expense to average assets | 9.1164% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2712% | 5,416 |
| Return on assets (ROA) | 0.4775% | 4,631 |
| Pretax return on assets | 0.5172% | 4,905 |
| Return on Equity (ROE) | 5.7663% | 3,980 |
| Retained earnings to average equity (ytd only) | 2.5131% | 4,629 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8864% | 978 |
| Assets per employee ($millions) | 7.9952% | 520 |
| Cash dividends to net income (ytd only)* | 56.4175% | 1,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 42.8648% | 7,069 |
| Net loans and leases to deposits | 47.2237% | 7,267 |
| Net loans and leases to core deposits | 47.2237% | 7,388 |
| Total domestic deposits to total assets | 90.7696% | 622 |
| Equity capital to assets | 8.1779% | 6,459 |
| Core capital (leverage) ratio | 6.7674% | 7,367 |
| Tier 1 risk-based capital ratio | 13.6657% | 3,884 |
| Total risk-based capital ratio | 13.8763% | 4,585 |
| Memoranda: | ||
| Average total assets | $593,917,500 | 1,165 |
| Average earning assets | $581,721,500 | 1,074 |
| Average equity | $49,182,500 | 1,366 |
| Average total loans | $249,711,500 | 1,871 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7415% | 7,940 |
| Cost of funding earning assets | 0.2840% | 7,910 |
| Net interest margin | 1.4575% | 7,876 |
| Noninterest income to average assets | 7.1457% | 99 |
| Noninterest expense to average assets | 8.1613% | 140 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4074% | 4,100 |
| Return on assets (ROA) | 0.5874% | 3,455 |
| Pretax return on assets | 0.5884% | 3,932 |
| Return on Equity (ROE) | 7.8773% | 2,419 |
| Retained earnings to average equity (ytd only) | 3.1680% | 2,942 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2351% | 1,340 |
| Assets per employee ($millions) | 8.6499% | 392 |
| Cash dividends to net income (ytd only)* | 59.7826% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 41.2089% | 7,287 |
| Net loans and leases to deposits | 45.4939% | 7,464 |
| Net loans and leases to core deposits | 45.4939% | 7,677 |
| Total domestic deposits to total assets | 90.5810% | 708 |
| Equity capital to assets | 8.3862% | 6,072 |
| Core capital (leverage) ratio | 7.8701% | 6,355 |
| Tier 1 risk-based capital ratio | 13.8957% | 3,567 |
| Total risk-based capital ratio | 14.1290% | 4,178 |
| Memoranda: | ||
| Average total assets | $626,445,200 | 1,107 |
| Average earning assets | $611,989,400 | 1,022 |
| Average equity | $46,716,600 | 1,443 |
| Average total loans | $205,554,400 | 2,250 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7104% | 8,042 |
| Cost of funding earning assets | 0.3283% | 7,991 |
| Net interest margin | 1.3820% | 7,971 |
| Noninterest income to average assets | 6.8647% | 107 |
| Noninterest expense to average assets | 8.1439% | 152 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0660% | 5,563 |
| Return on assets (ROA) | 0.1960% | 5,250 |
| Pretax return on assets | 0.2092% | 5,276 |
| Return on Equity (ROE) | 2.7063% | 4,914 |
| Retained earnings to average equity (ytd only) | -3.0826% | 5,954 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1374% | 1,104 |
| Assets per employee ($millions) | 8.0218% | 512 |
| Cash dividends to net income (ytd only)* | 213.9030% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 38.0643% | 7,547 |
| Net loans and leases to deposits | 42.1454% | 7,670 |
| Net loans and leases to core deposits | 42.1454% | 7,823 |
| Total domestic deposits to total assets | 90.3166% | 658 |
| Equity capital to assets | 8.4986% | 6,256 |
| Core capital (leverage) ratio | 6.4170% | 7,699 |
| Tier 1 risk-based capital ratio | 14.5184% | 3,271 |
| Total risk-based capital ratio | 14.7576% | 3,778 |
| Memoranda: | ||
| Average total assets | $636,008,000 | 1,104 |
| Average earning assets | $621,284,000 | 1,021 |
| Average equity | $46,064,000 | 1,484 |
| Average total loans | $196,346,000 | 2,355 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6460% | 8,136 |
| Cost of funding earning assets | 0.3618% | 8,084 |
| Net interest margin | 1.2842% | 8,062 |
| Noninterest income to average assets | 6.4825% | 110 |
| Noninterest expense to average assets | 7.7512% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.0110% | 5,866 |
| Return on assets (ROA) | 0.0564% | 5,780 |
| Pretax return on assets | 0.0775% | 5,722 |
| Return on Equity (ROE) | 0.8177% | 5,684 |
| Retained earnings to average equity (ytd only) | -3.5550% | 6,051 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1909% | 1,166 |
| Assets per employee ($millions) | 10.2780% | 241 |
| Cash dividends to net income (ytd only)* | 534.7594% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 26.8857% | 7,952 |
| Net loans and leases to deposits | 29.1516% | 8,004 |
| Net loans and leases to core deposits | 29.1516% | 8,043 |
| Total domestic deposits to total assets | 92.2273% | 177 |
| Equity capital to assets | 6.8749% | 7,670 |
| Core capital (leverage) ratio | 6.6482% | 7,723 |
| Tier 1 risk-based capital ratio | 14.3180% | 3,344 |
| Total risk-based capital ratio | 14.4319% | 3,933 |
| Memoranda: | ||
| Average total assets | $663,508,670 | 1,069 |
| Average earning assets | $647,866,670 | 987 |
| Average equity | $45,738,670 | 1,502 |
| Average total loans | $191,565,330 | 2,441 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7725% | 8,193 |
| Cost of funding earning assets | 0.4179% | 8,127 |
| Net interest margin | 1.3546% | 8,096 |
| Noninterest income to average assets | 6.6222% | 102 |
| Noninterest expense to average assets | 7.6748% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2280% | 5,570 |
| Return on assets (ROA) | 0.2244% | 5,743 |
| Pretax return on assets | 0.2650% | 5,770 |
| Return on Equity (ROE) | 3.2513% | 5,257 |
| Retained earnings to average equity (ytd only) | -1.1305% | 5,921 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6113% | 1,286 |
| Assets per employee ($millions) | 10.0292% | 265 |
| Cash dividends to net income (ytd only)* | 134.7709% | 518 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 25.2202% | 8,022 |
| Net loans and leases to deposits | 27.3890% | 8,069 |
| Net loans and leases to core deposits | 27.3890% | 8,102 |
| Total domestic deposits to total assets | 92.0816% | 173 |
| Equity capital to assets | 7.0019% | 7,681 |
| Core capital (leverage) ratio | 6.1536% | 7,978 |
| Tier 1 risk-based capital ratio | 15.5404% | 2,836 |
| Total risk-based capital ratio | 15.5404% | 3,359 |
| Memoranda: | ||
| Average total assets | $661,227,000 | 1,074 |
| Average earning assets | $645,188,000 | 996 |
| Average equity | $45,643,500 | 1,511 |
| Average total loans | $197,540,000 | 2,396 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1153% | 8,168 |
| Cost of funding earning assets | 1.1417% | 7,983 |
| Net interest margin | 1.9736% | 8,080 |
| Noninterest income to average assets | 8.5823% | 84 |
| Noninterest expense to average assets | 8.8601% | 179 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4312% | 1,164 |
| Return on assets (ROA) | 1.1141% | 2,007 |
| Pretax return on assets | 1.2687% | 2,412 |
| Return on Equity (ROE) | 14.9401% | 934 |
| Retained earnings to average equity (ytd only) | -17.6251% | 7,602 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4688% | 2,012 |
| Assets per employee ($millions) | 10.8154% | 212 |
| Cash dividends to net income (ytd only)* | 217.9722% | 294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 34.3998% | 7,883 |
| Net loans and leases to deposits | 37.3167% | 7,991 |
| Net loans and leases to core deposits | 37.3167% | 8,089 |
| Total domestic deposits to total assets | 92.1834% | 110 |
| Equity capital to assets | 6.8066% | 7,827 |
| Core capital (leverage) ratio | 6.9554% | 7,727 |
| Tier 1 risk-based capital ratio | 10.6467% | 6,052 |
| Total risk-based capital ratio | 10.6623% | 7,317 |
| Memoranda: | ||
| Average total assets | $638,267,600 | 1,048 |
| Average earning assets | $616,694,200 | 978 |
| Average equity | $47,596,800 | 1,438 |
| Average total loans | $205,912,400 | 2,241 |