Home > Greene County Commercial Bank > Performance and Condition Ratios
Greene County Commercial Bank, 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 | 2.7866% | 4,547 |
| Cost of funding earning assets | 2.1830% | 666 |
| Net interest margin | 0.6036% | 4,555 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 0.2038% | 4,543 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.3745% | 3,919 |
| Return on assets (ROA) | 0.3745% | 3,915 |
| Pretax return on assets | 0.3900% | 3,978 |
| Return on Equity (ROE) | 5.0700% | 3,714 |
| Retained earnings to average equity (ytd only) | 5.0669% | 2,586 |
| 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 | 34.3212% | 4,461 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 88.8200% | 1,113 |
| Equity capital to assets | 7.9151% | 3,470 |
| Core capital (leverage) ratio | 8.9096% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.1966% | 119 |
| Memoranda: | ||
| Average total assets | $1,153,592,000 | 879 |
| Average earning assets | $1,134,856,200 | 830 |
| Average equity | $85,259,800 | 1,079 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4984% | 4,579 |
| Cost of funding earning assets | 1.9157% | 838 |
| Net interest margin | 0.5827% | 4,573 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 0.2073% | 4,572 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3498% | 4,050 |
| Return on assets (ROA) | 0.3498% | 4,052 |
| Pretax return on assets | 0.3664% | 4,099 |
| Return on Equity (ROE) | 4.8200% | 3,841 |
| Retained earnings to average equity (ytd only) | 4.8165% | 2,992 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 36.1356% | 4,443 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 90.4800% | 818 |
| Equity capital to assets | 6.9990% | 3,608 |
| Core capital (leverage) ratio | 9.4383% | 3,364 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0453% | 133 |
| Memoranda: | ||
| Average total assets | $1,158,355,250 | 879 |
| Average earning assets | $1,140,390,250 | 830 |
| Average equity | $84,124,750 | 1,084 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3757% | 4,619 |
| Cost of funding earning assets | 1.7394% | 831 |
| Net interest margin | 0.6363% | 4,608 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 0.2257% | 4,600 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3792% | 4,039 |
| Return on assets (ROA) | 0.3792% | 4,051 |
| Pretax return on assets | 0.4009% | 4,117 |
| Return on Equity (ROE) | 5.1600% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.1567% | 2,906 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 36.0178% | 4,475 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 92.3400% | 354 |
| Equity capital to assets | 7.6455% | 3,441 |
| Core capital (leverage) ratio | 9.1198% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.6334% | 116 |
| Memoranda: | ||
| Average total assets | $1,149,344,667 | 874 |
| Average earning assets | $1,131,867,000 | 826 |
| Average equity | $84,511,333 | 1,075 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1035% | 4,654 |
| Cost of funding earning assets | 1.4664% | 907 |
| Net interest margin | 0.6371% | 4,664 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 0.2037% | 4,672 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.3954% | 4,094 |
| Return on assets (ROA) | 0.3954% | 4,044 |
| Pretax return on assets | 0.4239% | 4,099 |
| Return on Equity (ROE) | 5.4800% | 3,805 |
| Retained earnings to average equity (ytd only) | 5.4826% | 2,896 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 32.4576% | 4,588 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 90.1800% | 1,092 |
| Equity capital to assets | 7.1053% | 3,780 |
| Core capital (leverage) ratio | 9.0510% | 3,692 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.9495% | 137 |
| Memoranda: | ||
| Average total assets | $1,164,325,000 | 885 |
| Average earning assets | $1,147,059,000 | 838 |
| Average equity | $83,975,500 | 1,092 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6930% | 4,641 |
| Cost of funding earning assets | 0.6157% | 841 |
| Net interest margin | 1.0774% | 4,675 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 0.2081% | 4,700 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7120% | 3,580 |
| Return on assets (ROA) | 0.6935% | 3,585 |
| Pretax return on assets | 0.8340% | 3,536 |
| Return on Equity (ROE) | 9.8100% | 2,867 |
| Retained earnings to average equity (ytd only) | 9.8057% | 1,217 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 19.5536% | 4,688 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 80.9400% | 3,765 |
| Equity capital to assets | 7.3279% | 3,471 |
| Core capital (leverage) ratio | 8.7285% | 3,935 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.5091% | 123 |
| Memoranda: | ||
| Average total assets | $1,123,768,400 | 887 |
| Average earning assets | $1,110,205,200 | 847 |
| Average equity | $79,473,800 | 1,133 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5670% | 4,659 |
| Cost of funding earning assets | 0.4041% | 1,256 |
| Net interest margin | 1.1629% | 4,683 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 0.2097% | 4,742 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7649% | 3,372 |
| Return on assets (ROA) | 0.7649% | 3,320 |
| Pretax return on assets | 0.9406% | 3,206 |
| Return on Equity (ROE) | 10.9100% | 2,413 |
| Retained earnings to average equity (ytd only) | 10.9138% | 1,077 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 18.2315% | 4,731 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 81.6100% | 3,892 |
| Equity capital to assets | 6.6276% | 3,688 |
| Core capital (leverage) ratio | 9.0155% | 3,589 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.2499% | 141 |
| Memoranda: | ||
| Average total assets | $1,124,678,500 | 893 |
| Average earning assets | $1,112,332,000 | 853 |
| Average equity | $78,821,750 | 1,161 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5088% | 4,706 |
| Cost of funding earning assets | 0.2373% | 2,424 |
| Net interest margin | 1.2716% | 4,709 |
| Noninterest income to average assets | 0.0000% | 4,732 |
| Noninterest expense to average assets | 0.2203% | 4,767 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8335% | 2,841 |
| Return on assets (ROA) | 0.8335% | 2,817 |
| Pretax return on assets | 1.0388% | 2,612 |
| Return on Equity (ROE) | 11.6658% | 1,767 |
| Retained earnings to average equity (ytd only) | 11.6658% | 664 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.4946% | 4,759 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 78.0101% | 4,349 |
| Equity capital to assets | 6.8208% | 3,857 |
| Core capital (leverage) ratio | 8.0563% | 4,290 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.5093% | 105 |
| Memoranda: | ||
| Average total assets | $1,103,244,000 | 903 |
| Average earning assets | $1,092,360,333 | 863 |
| Average equity | $78,828,667 | 1,175 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4049% | 4,728 |
| Cost of funding earning assets | 0.1237% | 3,853 |
| Net interest margin | 1.2812% | 4,726 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 0.2206% | 4,791 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.8429% | 2,510 |
| Return on assets (ROA) | 0.8429% | 2,504 |
| Pretax return on assets | 1.0502% | 2,295 |
| Return on Equity (ROE) | 11.5204% | 1,448 |
| Retained earnings to average equity (ytd only) | 11.5204% | 673 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.3597% | 4,781 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 89.2756% | 1,940 |
| Equity capital to assets | 6.8690% | 4,278 |
| Core capital (leverage) ratio | 8.1990% | 4,158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.1376% | 116 |
| Memoranda: | ||
| Average total assets | $1,082,431,500 | 917 |
| Average earning assets | $1,073,675,000 | 876 |
| Average equity | $79,198,500 | 1,210 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4752% | 4,749 |
| Cost of funding earning assets | 0.1251% | 4,185 |
| Net interest margin | 1.3501% | 4,743 |
| Noninterest income to average assets | 0.0001% | 4,809 |
| Noninterest expense to average assets | 0.2403% | 4,826 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.8873% | 3,089 |
| Return on assets (ROA) | 0.8873% | 3,151 |
| Pretax return on assets | 1.1007% | 2,967 |
| Return on Equity (ROE) | 11.4367% | 2,007 |
| Retained earnings to average equity (ytd only) | 11.4367% | 628 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.9208% | 4,826 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 78.5091% | 4,351 |
| Equity capital to assets | 7.7907% | 4,473 |
| Core capital (leverage) ratio | 8.2143% | 4,200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.9880% | 113 |
| Memoranda: | ||
| Average total assets | $898,757,400 | 1,046 |
| Average earning assets | $892,664,200 | 987 |
| Average equity | $69,731,400 | 1,353 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5003% | 4,830 |
| Cost of funding earning assets | 0.1236% | 4,318 |
| Net interest margin | 1.3767% | 4,824 |
| Noninterest income to average assets | 0.0000% | 4,883 |
| Noninterest expense to average assets | 0.2420% | 4,908 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9084% | 3,220 |
| Return on assets (ROA) | 0.9084% | 3,300 |
| Pretax return on assets | 1.1250% | 3,143 |
| Return on Equity (ROE) | 11.7229% | 2,137 |
| Retained earnings to average equity (ytd only) | 11.7229% | 894 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.7037% | 4,901 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 85.4596% | 2,960 |
| Equity capital to assets | 7.0882% | 4,799 |
| Core capital (leverage) ratio | 7.5486% | 4,682 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.0864% | 150 |
| Memoranda: | ||
| Average total assets | $860,547,000 | 1,093 |
| Average earning assets | $854,462,500 | 1,038 |
| Average equity | $66,682,500 | 1,414 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5479% | 4,865 |
| Cost of funding earning assets | 0.1242% | 4,400 |
| Net interest margin | 1.4236% | 4,856 |
| Noninterest income to average assets | 0.0000% | 4,919 |
| Noninterest expense to average assets | 0.2472% | 4,947 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9437% | 3,079 |
| Return on assets (ROA) | 0.9437% | 3,164 |
| Pretax return on assets | 1.1652% | 3,010 |
| Return on Equity (ROE) | 11.7821% | 2,136 |
| Retained earnings to average equity (ytd only) | 11.7821% | 965 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.5043% | 4,941 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 91.7800% | 170 |
| Equity capital to assets | 7.8123% | 4,626 |
| Core capital (leverage) ratio | 7.9177% | 4,494 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.1679% | 126 |
| Memoranda: | ||
| Average total assets | $822,725,333 | 1,127 |
| Average earning assets | $816,212,333 | 1,072 |
| Average equity | $65,896,667 | 1,418 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5374% | 4,899 |
| Cost of funding earning assets | 0.1379% | 4,394 |
| Net interest margin | 1.3996% | 4,888 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 0.2536% | 4,972 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.9182% | 3,084 |
| Return on assets (ROA) | 0.9182% | 3,159 |
| Pretax return on assets | 1.1331% | 3,031 |
| Return on Equity (ROE) | 11.3102% | 2,267 |
| Retained earnings to average equity (ytd only) | 11.3102% | 1,318 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.2905% | 4,956 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 92.6072% | 64 |
| Equity capital to assets | 7.3866% | 4,747 |
| Core capital (leverage) ratio | 8.2907% | 4,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.7956% | 142 |
| Memoranda: | ||
| Average total assets | $796,373,500 | 1,148 |
| Average earning assets | $789,109,000 | 1,093 |
| Average equity | $64,649,500 | 1,432 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1890% | 4,897 |
| Cost of funding earning assets | 0.4202% | 3,459 |
| Net interest margin | 1.7688% | 4,886 |
| Noninterest income to average assets | 0.0001% | 4,956 |
| Noninterest expense to average assets | 0.2409% | 4,988 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.1797% | 1,613 |
| Return on assets (ROA) | 1.1797% | 1,726 |
| Pretax return on assets | 1.5117% | 1,298 |
| Return on Equity (ROE) | 13.2531% | 980 |
| Retained earnings to average equity (ytd only) | 13.2531% | 226 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.7457% | 4,992 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 82.6457% | 3,509 |
| Equity capital to assets | 8.9796% | 4,075 |
| Core capital (leverage) ratio | 8.7320% | 3,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.6725% | 106 |
| Memoranda: | ||
| Average total assets | $680,739,800 | 1,203 |
| Average earning assets | $674,462,400 | 1,142 |
| Average equity | $60,597,000 | 1,433 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3702% | 4,923 |
| Cost of funding earning assets | 0.5036% | 3,200 |
| Net interest margin | 1.8666% | 4,925 |
| Noninterest income to average assets | 0.0000% | 4,986 |
| Noninterest expense to average assets | 0.2307% | 5,028 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2501% | 1,483 |
| Return on assets (ROA) | 1.2501% | 1,597 |
| Pretax return on assets | 1.6185% | 1,137 |
| Return on Equity (ROE) | 14.0770% | 869 |
| Retained earnings to average equity (ytd only) | 14.0770% | 251 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.4757% | 5,028 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 90.5704% | 269 |
| Equity capital to assets | 9.3466% | 3,826 |
| Core capital (leverage) ratio | 9.6148% | 3,143 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.8072% | 113 |
| Memoranda: | ||
| Average total assets | $668,101,500 | 1,206 |
| Average earning assets | $661,863,500 | 1,145 |
| Average equity | $59,329,500 | 1,449 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6730% | 4,943 |
| Cost of funding earning assets | 0.6105% | 2,917 |
| Net interest margin | 2.0626% | 4,931 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 0.2052% | 5,060 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3969% | 1,121 |
| Return on assets (ROA) | 1.3969% | 1,212 |
| Pretax return on assets | 1.8381% | 758 |
| Return on Equity (ROE) | 16.0201% | 560 |
| Retained earnings to average equity (ytd only) | 16.0201% | 171 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.0428% | 5,059 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 85.7758% | 2,104 |
| Equity capital to assets | 9.2505% | 3,882 |
| Core capital (leverage) ratio | 9.0201% | 3,881 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.2552% | 110 |
| Memoranda: | ||
| Average total assets | $662,739,667 | 1,196 |
| Average earning assets | $656,564,333 | 1,130 |
| Average equity | $57,790,000 | 1,465 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7138% | 5,014 |
| Cost of funding earning assets | 0.7562% | 2,629 |
| Net interest margin | 1.9576% | 5,022 |
| Noninterest income to average assets | 0.0006% | 5,055 |
| Noninterest expense to average assets | 0.2090% | 5,110 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.3162% | 1,200 |
| Return on assets (ROA) | 1.3162% | 1,292 |
| Pretax return on assets | 1.7318% | 815 |
| Return on Equity (ROE) | 15.5817% | 474 |
| Retained earnings to average equity (ytd only) | 15.5817% | 161 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.7692% | 5,102 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 91.7089% | 55 |
| Equity capital to assets | 8.2391% | 4,919 |
| Core capital (leverage) ratio | 8.7330% | 4,641 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.6064% | 144 |
| Memoranda: | ||
| Average total assets | $656,445,000 | 1,180 |
| Average earning assets | $650,592,500 | 1,108 |
| Average equity | $55,449,500 | 1,513 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8764% | 5,081 |
| Cost of funding earning assets | 0.7636% | 2,854 |
| Net interest margin | 2.1128% | 5,076 |
| Noninterest income to average assets | 0.0004% | 5,129 |
| Noninterest expense to average assets | 0.2105% | 5,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.4327% | 1,234 |
| Return on assets (ROA) | 1.4327% | 1,302 |
| Pretax return on assets | 1.8852% | 769 |
| Return on Equity (ROE) | 15.8863% | 552 |
| Retained earnings to average equity (ytd only) | 15.8863% | 70 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.0441% | 5,170 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 86.3868% | 1,892 |
| Equity capital to assets | 8.6988% | 4,826 |
| Core capital (leverage) ratio | 8.3722% | 4,911 |
| Tier 1 risk-based capital ratio | 43.1239% | 194 |
| Total risk-based capital ratio | 43.1239% | 212 |
| Memoranda: | ||
| Average total assets | $530,186,000 | 1,355 |
| Average earning assets | $525,802,600 | 1,278 |
| Average equity | $47,814,800 | 1,665 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8505% | 5,178 |
| Cost of funding earning assets | 0.7278% | 3,079 |
| Net interest margin | 2.1226% | 5,167 |
| Noninterest income to average assets | 0.0003% | 5,207 |
| Noninterest expense to average assets | 0.2133% | 5,249 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4382% | 1,356 |
| Return on assets (ROA) | 1.4382% | 1,414 |
| Pretax return on assets | 1.8923% | 883 |
| Return on Equity (ROE) | 15.7853% | 641 |
| Retained earnings to average equity (ytd only) | 15.7853% | 114 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.1317% | 5,248 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 91.6168% | 54 |
| Equity capital to assets | 8.3458% | 5,050 |
| Core capital (leverage) ratio | 9.7316% | 3,932 |
| Tier 1 risk-based capital ratio | 41.3374% | 224 |
| Total risk-based capital ratio | 41.3374% | 239 |
| Memoranda: | ||
| Average total assets | $514,350,750 | 1,396 |
| Average earning assets | $510,173,750 | 1,315 |
| Average equity | $46,861,000 | 1,691 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9944% | 5,209 |
| Cost of funding earning assets | 0.7193% | 3,054 |
| Net interest margin | 2.2751% | 5,197 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 0.2253% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5423% | 1,027 |
| Return on assets (ROA) | 1.5423% | 1,079 |
| Pretax return on assets | 2.0295% | 643 |
| Return on Equity (ROE) | 16.3688% | 535 |
| Retained earnings to average equity (ytd only) | 16.3688% | 121 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.9927% | 5,294 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 84.5877% | 2,647 |
| Equity capital to assets | 9.6169% | 4,299 |
| Core capital (leverage) ratio | 9.6284% | 4,000 |
| Tier 1 risk-based capital ratio | 47.3869% | 154 |
| Total risk-based capital ratio | 47.3869% | 162 |
| Memoranda: | ||
| Average total assets | $487,321,000 | 1,465 |
| Average earning assets | $482,971,330 | 1,379 |
| Average equity | $45,916,670 | 1,717 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0345% | 5,261 |
| Cost of funding earning assets | 0.6880% | 3,112 |
| Net interest margin | 2.3465% | 5,243 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 0.2306% | 5,354 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5899% | 915 |
| Return on assets (ROA) | 1.5899% | 941 |
| Pretax return on assets | 2.0918% | 536 |
| Return on Equity (ROE) | 17.0574% | 478 |
| Retained earnings to average equity (ytd only) | 17.0574% | 180 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.9283% | 5,354 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | 0.0000% | 5,323 |
| Total domestic deposits to total assets | 91.2947% | 120 |
| Equity capital to assets | 8.6792% | 4,888 |
| Core capital (leverage) ratio | 9.4271% | 4,233 |
| Tier 1 risk-based capital ratio | 43.1062% | 185 |
| Total risk-based capital ratio | 43.1062% | 204 |
| Memoranda: | ||
| Average total assets | $480,536,000 | 1,490 |
| Average earning assets | $475,594,000 | 1,401 |
| Average equity | $44,790,000 | 1,740 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7841% | 5,298 |
| Cost of funding earning assets | 0.4847% | 3,446 |
| Net interest margin | 2.2993% | 5,284 |
| Noninterest income to average assets | 0.0002% | 5,350 |
| Noninterest expense to average assets | 0.2140% | 5,400 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6292% | 816 |
| Return on assets (ROA) | 1.6292% | 811 |
| Pretax return on assets | 2.0633% | 482 |
| Return on Equity (ROE) | 17.9226% | 396 |
| Retained earnings to average equity (ytd only) | 17.9226% | 57 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.3988% | 5,399 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 82.2257% | 3,582 |
| Equity capital to assets | 10.1028% | 3,565 |
| Core capital (leverage) ratio | 9.7845% | 3,819 |
| Tier 1 risk-based capital ratio | 50.3342% | 131 |
| Total risk-based capital ratio | 50.3342% | 138 |
| Memoranda: | ||
| Average total assets | $433,087,200 | 1,586 |
| Average earning assets | $428,907,400 | 1,502 |
| Average equity | $39,369,200 | 1,892 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7125% | 5,372 |
| Cost of funding earning assets | 0.4451% | 3,559 |
| Net interest margin | 2.2674% | 5,362 |
| Noninterest income to average assets | 0.0003% | 5,426 |
| Noninterest expense to average assets | 0.2109% | 5,472 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6284% | 898 |
| Return on assets (ROA) | 1.6284% | 904 |
| Pretax return on assets | 2.0354% | 571 |
| Return on Equity (ROE) | 18.4261% | 387 |
| Retained earnings to average equity (ytd only) | 18.4261% | 79 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.3887% | 5,471 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 83.3045% | 3,195 |
| Equity capital to assets | 9.3030% | 4,270 |
| Core capital (leverage) ratio | 10.1000% | 3,520 |
| Tier 1 risk-based capital ratio | 46.6559% | 165 |
| Total risk-based capital ratio | 46.6559% | 172 |
| Memoranda: | ||
| Average total assets | $433,065,250 | 1,594 |
| Average earning assets | $428,969,000 | 1,512 |
| Average equity | $38,270,750 | 1,934 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7932% | 5,406 |
| Cost of funding earning assets | 0.4289% | 3,505 |
| Net interest margin | 2.3643% | 5,396 |
| Noninterest income to average assets | 0.0005% | 5,487 |
| Noninterest expense to average assets | 0.2084% | 5,535 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7450% | 663 |
| Return on assets (ROA) | 1.7450% | 664 |
| Pretax return on assets | 2.1338% | 450 |
| Return on Equity (ROE) | 20.1158% | 257 |
| Retained earnings to average equity (ytd only) | 20.1158% | 64 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.8986% | 5,534 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 90.3510% | 449 |
| Equity capital to assets | 9.4129% | 4,180 |
| Core capital (leverage) ratio | 9.0799% | 4,607 |
| Tier 1 risk-based capital ratio | 47.1391% | 156 |
| Total risk-based capital ratio | 47.1391% | 162 |
| Memoranda: | ||
| Average total assets | $427,977,000 | 1,619 |
| Average earning assets | $423,892,000 | 1,533 |
| Average equity | $37,125,000 | 1,983 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7814% | 5,461 |
| Cost of funding earning assets | 0.3934% | 3,639 |
| Net interest margin | 2.3879% | 5,443 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 0.2195% | 5,600 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.7195% | 662 |
| Return on assets (ROA) | 1.7195% | 671 |
| Pretax return on assets | 2.1445% | 421 |
| Return on Equity (ROE) | 20.7017% | 210 |
| Retained earnings to average equity (ytd only) | 20.7017% | 91 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.2849% | 5,601 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | 0.0000% | 5,567 |
| Total domestic deposits to total assets | 91.5557% | 177 |
| Equity capital to assets | 8.0474% | 5,250 |
| Core capital (leverage) ratio | 8.6316% | 5,039 |
| Tier 1 risk-based capital ratio | 40.2905% | 224 |
| Total risk-based capital ratio | 40.2905% | 238 |
| Memoranda: | ||
| Average total assets | $428,264,000 | 1,623 |
| Average earning assets | $423,965,000 | 1,540 |
| Average equity | $35,572,000 | 2,069 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3868% | 5,579 |
| Cost of funding earning assets | 0.3143% | 4,009 |
| Net interest margin | 2.0725% | 5,560 |
| Noninterest income to average assets | 0.0003% | 5,616 |
| Noninterest expense to average assets | 0.2062% | 5,660 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.3399% | 1,141 |
| Return on assets (ROA) | 1.3399% | 1,166 |
| Pretax return on assets | 1.8443% | 701 |
| Return on Equity (ROE) | 15.4940% | 546 |
| Retained earnings to average equity (ytd only) | 15.4940% | 78 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.0559% | 5,659 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 86.6923% | 2,154 |
| Equity capital to assets | 8.6304% | 5,007 |
| Core capital (leverage) ratio | 8.3069% | 5,280 |
| Tier 1 risk-based capital ratio | 42.9067% | 179 |
| Total risk-based capital ratio | 42.9067% | 189 |
| Memoranda: | ||
| Average total assets | $339,958,400 | 1,958 |
| Average earning assets | $336,303,000 | 1,861 |
| Average equity | $29,398,400 | 2,397 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2747% | 5,655 |
| Cost of funding earning assets | 0.2865% | 4,257 |
| Net interest margin | 1.9882% | 5,645 |
| Noninterest income to average assets | 0.0000% | 5,683 |
| Noninterest expense to average assets | 0.2077% | 5,730 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2681% | 1,442 |
| Return on assets (ROA) | 1.2681% | 1,470 |
| Pretax return on assets | 1.7611% | 978 |
| Return on Equity (ROE) | 14.6554% | 712 |
| Retained earnings to average equity (ytd only) | 14.6554% | 129 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.5501% | 5,730 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 91.5909% | 93 |
| Equity capital to assets | 8.2873% | 5,402 |
| Core capital (leverage) ratio | 9.2353% | 4,483 |
| Tier 1 risk-based capital ratio | 40.7008% | 213 |
| Total risk-based capital ratio | 40.7008% | 228 |
| Memoranda: | ||
| Average total assets | $329,941,000 | 2,021 |
| Average earning assets | $326,720,250 | 1,918 |
| Average equity | $28,548,500 | 2,476 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5179% | 5,655 |
| Cost of funding earning assets | 0.2830% | 4,256 |
| Net interest margin | 2.2348% | 5,638 |
| Noninterest income to average assets | 0.0006% | 5,730 |
| Noninterest expense to average assets | 0.2144% | 5,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.3202% | 1,250 |
| Return on assets (ROA) | 1.3202% | 1,275 |
| Pretax return on assets | 1.8336% | 775 |
| Return on Equity (ROE) | 14.9967% | 661 |
| Retained earnings to average equity (ytd only) | 14.9967% | 139 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.4669% | 5,781 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 90.3404% | 413 |
| Equity capital to assets | 9.5513% | 4,361 |
| Core capital (leverage) ratio | 9.6241% | 3,994 |
| Tier 1 risk-based capital ratio | 40.0530% | 211 |
| Total risk-based capital ratio | 40.0530% | 227 |
| Memoranda: | ||
| Average total assets | $311,628,330 | 2,122 |
| Average earning assets | $285,478,670 | 2,141 |
| Average equity | $27,432,670 | 2,539 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4960% | 5,721 |
| Cost of funding earning assets | 0.2812% | 4,244 |
| Net interest margin | 2.2148% | 5,695 |
| Noninterest income to average assets | 0.0013% | 5,807 |
| Noninterest expense to average assets | 0.2188% | 5,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2840% | 1,278 |
| Return on assets (ROA) | 1.2840% | 1,312 |
| Pretax return on assets | 1.7827% | 829 |
| Return on Equity (ROE) | 15.2626% | 618 |
| Retained earnings to average equity (ytd only) | 15.2626% | 225 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.9304% | 5,847 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 92.0178% | 106 |
| Equity capital to assets | 7.9078% | 5,564 |
| Core capital (leverage) ratio | 8.4500% | 5,260 |
| Tier 1 risk-based capital ratio | 23.3417% | 934 |
| Total risk-based capital ratio | 23.3417% | 1,061 |
| Memoranda: | ||
| Average total assets | $307,171,500 | 2,162 |
| Average earning assets | $277,407,500 | 2,204 |
| Average equity | $25,841,000 | 2,654 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3696% | 5,796 |
| Cost of funding earning assets | 0.2664% | 4,403 |
| Net interest margin | 2.1032% | 5,784 |
| Noninterest income to average assets | 0.0011% | 5,850 |
| Noninterest expense to average assets | 0.2433% | 5,904 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.3248% | 1,160 |
| Return on assets (ROA) | 1.3248% | 1,214 |
| Pretax return on assets | 1.8402% | 713 |
| Return on Equity (ROE) | 15.1934% | 606 |
| Retained earnings to average equity (ytd only) | 15.1934% | 104 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.6760% | 5,905 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 84.1679% | 3,363 |
| Equity capital to assets | 9.0111% | 4,811 |
| Core capital (leverage) ratio | 8.7382% | 5,034 |
| Tier 1 risk-based capital ratio | 44.7067% | 176 |
| Total risk-based capital ratio | 44.7067% | 182 |
| Memoranda: | ||
| Average total assets | $273,768,000 | 2,333 |
| Average earning assets | $271,059,200 | 2,205 |
| Average equity | $23,872,200 | 2,809 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2354% | 5,885 |
| Cost of funding earning assets | 0.2637% | 4,465 |
| Net interest margin | 1.9716% | 5,877 |
| Noninterest income to average assets | 0.0015% | 5,920 |
| Noninterest expense to average assets | 0.2456% | 5,972 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2282% | 1,528 |
| Return on assets (ROA) | 1.2282% | 1,627 |
| Pretax return on assets | 1.7057% | 1,103 |
| Return on Equity (ROE) | 14.2076% | 784 |
| Retained earnings to average equity (ytd only) | 14.2076% | 161 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.5879% | 5,973 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 91.0399% | 189 |
| Equity capital to assets | 8.7415% | 5,372 |
| Core capital (leverage) ratio | 8.5790% | 5,285 |
| Tier 1 risk-based capital ratio | 39.9850% | 224 |
| Total risk-based capital ratio | 39.9850% | 245 |
| Memoranda: | ||
| Average total assets | $271,938,000 | 2,359 |
| Average earning assets | $268,939,000 | 2,223 |
| Average equity | $23,508,000 | 2,863 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2309% | 5,967 |
| Cost of funding earning assets | 0.2560% | 4,595 |
| Net interest margin | 1.9749% | 5,957 |
| Noninterest income to average assets | 0.0015% | 5,998 |
| Noninterest expense to average assets | 0.2435% | 6,050 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2363% | 1,479 |
| Return on assets (ROA) | 1.2363% | 1,576 |
| Pretax return on assets | 1.7174% | 1,050 |
| Return on Equity (ROE) | 14.3588% | 776 |
| Retained earnings to average equity (ytd only) | 14.3588% | 166 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.4190% | 6,051 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 78.1513% | 4,972 |
| Equity capital to assets | 8.4756% | 5,611 |
| Core capital (leverage) ratio | 8.0863% | 5,677 |
| Tier 1 risk-based capital ratio | 40.8396% | 218 |
| Total risk-based capital ratio | 40.8396% | 236 |
| Memoranda: | ||
| Average total assets | $267,726,670 | 2,407 |
| Average earning assets | $265,630,670 | 2,262 |
| Average equity | $23,052,000 | 2,917 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2221% | 6,028 |
| Cost of funding earning assets | 0.2353% | 4,854 |
| Net interest margin | 1.9868% | 6,017 |
| Noninterest income to average assets | 0.0015% | 6,065 |
| Noninterest expense to average assets | 0.2424% | 6,113 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.2443% | 1,421 |
| Return on assets (ROA) | 1.2443% | 1,523 |
| Pretax return on assets | 1.7275% | 996 |
| Return on Equity (ROE) | 14.3276% | 773 |
| Retained earnings to average equity (ytd only) | 14.3276% | 296 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.3041% | 6,113 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 91.3926% | 179 |
| Equity capital to assets | 8.4006% | 5,635 |
| Core capital (leverage) ratio | 8.7161% | 5,158 |
| Tier 1 risk-based capital ratio | 39.8500% | 233 |
| Total risk-based capital ratio | 39.8500% | 255 |
| Memoranda: | ||
| Average total assets | $259,110,000 | 2,470 |
| Average earning assets | $256,699,000 | 2,334 |
| Average equity | $22,502,000 | 2,970 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2568% | 6,064 |
| Cost of funding earning assets | 0.2340% | 4,963 |
| Net interest margin | 2.0227% | 6,048 |
| Noninterest income to average assets | 0.0030% | 6,097 |
| Noninterest expense to average assets | 0.2625% | 6,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.2473% | 1,393 |
| Return on assets (ROA) | 1.2473% | 1,452 |
| Pretax return on assets | 1.7325% | 928 |
| Return on Equity (ROE) | 14.1147% | 825 |
| Retained earnings to average equity (ytd only) | 14.1147% | 160 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.1596% | 6,171 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 75.1681% | 5,540 |
| Equity capital to assets | 9.0042% | 5,113 |
| Core capital (leverage) ratio | 8.8028% | 5,105 |
| Tier 1 risk-based capital ratio | 44.2733% | 181 |
| Total risk-based capital ratio | 44.2733% | 189 |
| Memoranda: | ||
| Average total assets | $230,826,200 | 2,656 |
| Average earning assets | $227,316,000 | 2,528 |
| Average equity | $20,397,200 | 3,135 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2191% | 6,165 |
| Cost of funding earning assets | 0.2350% | 5,040 |
| Net interest margin | 1.9841% | 6,140 |
| Noninterest income to average assets | 0.0023% | 6,190 |
| Noninterest expense to average assets | 0.2671% | 6,262 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.2124% | 1,609 |
| Return on assets (ROA) | 1.2124% | 1,676 |
| Pretax return on assets | 1.6839% | 1,151 |
| Return on Equity (ROE) | 13.7903% | 945 |
| Retained earnings to average equity (ytd only) | 13.7903% | 220 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.6896% | 6,258 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 87.7630% | 1,675 |
| Equity capital to assets | 8.7908% | 5,497 |
| Core capital (leverage) ratio | 9.0108% | 4,986 |
| Tier 1 risk-based capital ratio | 43.1248% | 207 |
| Total risk-based capital ratio | 43.1248% | 225 |
| Memoranda: | ||
| Average total assets | $227,639,250 | 2,703 |
| Average earning assets | $223,570,250 | 2,579 |
| Average equity | $20,013,500 | 3,198 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1951% | 6,240 |
| Cost of funding earning assets | 0.2374% | 5,077 |
| Net interest margin | 1.9577% | 6,215 |
| Noninterest income to average assets | 0.0018% | 6,259 |
| Noninterest expense to average assets | 0.2714% | 6,339 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1833% | 1,655 |
| Return on assets (ROA) | 1.1833% | 1,722 |
| Pretax return on assets | 1.6438% | 1,205 |
| Return on Equity (ROE) | 13.4590% | 1,026 |
| Retained earnings to average equity (ytd only) | 13.4590% | 272 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.1721% | 6,332 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 78.2769% | 5,216 |
| Equity capital to assets | 9.1573% | 5,076 |
| Core capital (leverage) ratio | 9.0284% | 4,923 |
| Tier 1 risk-based capital ratio | 45.0386% | 193 |
| Total risk-based capital ratio | 45.0386% | 205 |
| Memoranda: | ||
| Average total assets | $223,268,000 | 2,761 |
| Average earning assets | $218,212,000 | 2,637 |
| Average equity | $19,630,000 | 3,254 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2281% | 6,300 |
| Cost of funding earning assets | 0.2326% | 5,188 |
| Net interest margin | 1.9955% | 6,276 |
| Noninterest income to average assets | 0.0018% | 6,326 |
| Noninterest expense to average assets | 0.2735% | 6,412 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1959% | 1,562 |
| Return on assets (ROA) | 1.1959% | 1,660 |
| Pretax return on assets | 1.6606% | 1,135 |
| Return on Equity (ROE) | 13.8880% | 902 |
| Retained earnings to average equity (ytd only) | 13.8880% | 369 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.1405% | 6,403 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 91.2317% | 287 |
| Equity capital to assets | 8.5958% | 5,667 |
| Core capital (leverage) ratio | 8.7242% | 5,294 |
| Tier 1 risk-based capital ratio | 34.8843% | 364 |
| Total risk-based capital ratio | 34.8843% | 394 |
| Memoranda: | ||
| Average total assets | $223,771,500 | 2,772 |
| Average earning assets | $216,687,000 | 2,672 |
| Average equity | $19,268,500 | 3,313 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1567% | 6,407 |
| Cost of funding earning assets | 0.2685% | 5,119 |
| Net interest margin | 1.8882% | 6,392 |
| Noninterest income to average assets | 0.0005% | 6,389 |
| Noninterest expense to average assets | 0.2481% | 6,500 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1400% | 1,816 |
| Return on assets (ROA) | 1.1400% | 1,881 |
| Pretax return on assets | 1.6015% | 1,229 |
| Return on Equity (ROE) | 13.7697% | 976 |
| Retained earnings to average equity (ytd only) | 13.7697% | 189 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.4130% | 6,499 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 72.8703% | 6,027 |
| Equity capital to assets | 8.6267% | 5,628 |
| Core capital (leverage) ratio | 8.4603% | 5,594 |
| Tier 1 risk-based capital ratio | 42.6667% | 205 |
| Total risk-based capital ratio | 42.6667% | 214 |
| Memoranda: | ||
| Average total assets | $207,986,400 | 2,902 |
| Average earning assets | $203,690,800 | 2,763 |
| Average equity | $17,219,000 | 3,498 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1265% | 6,489 |
| Cost of funding earning assets | 0.2825% | 5,068 |
| Net interest margin | 1.8440% | 6,475 |
| Noninterest income to average assets | 0.0006% | 6,476 |
| Noninterest expense to average assets | 0.2445% | 6,581 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1017% | 2,024 |
| Return on assets (ROA) | 1.1017% | 2,089 |
| Pretax return on assets | 1.5549% | 1,467 |
| Return on Equity (ROE) | 13.4564% | 1,105 |
| Retained earnings to average equity (ytd only) | 13.4564% | 283 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.5856% | 6,579 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 90.1622% | 659 |
| Equity capital to assets | 8.6948% | 5,642 |
| Core capital (leverage) ratio | 8.1635% | 5,961 |
| Tier 1 risk-based capital ratio | 43.4001% | 197 |
| Total risk-based capital ratio | 43.4001% | 208 |
| Memoranda: | ||
| Average total assets | $205,622,750 | 2,953 |
| Average earning assets | $200,572,500 | 2,820 |
| Average equity | $16,834,250 | 3,566 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0500% | 6,566 |
| Cost of funding earning assets | 0.2933% | 5,028 |
| Net interest margin | 1.7567% | 6,561 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 0.2463% | 6,646 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0221% | 2,239 |
| Return on assets (ROA) | 1.0221% | 2,307 |
| Pretax return on assets | 1.4563% | 1,690 |
| Return on Equity (ROE) | 12.7492% | 1,242 |
| Retained earnings to average equity (ytd only) | 12.7492% | 360 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.4654% | 6,645 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 75.4122% | 5,981 |
| Equity capital to assets | 8.0737% | 6,115 |
| Core capital (leverage) ratio | 8.2259% | 5,907 |
| Tier 1 risk-based capital ratio | 40.6341% | 229 |
| Total risk-based capital ratio | 40.6341% | 249 |
| Memoranda: | ||
| Average total assets | $205,456,000 | 2,970 |
| Average earning assets | $199,125,000 | 2,843 |
| Average equity | $16,471,670 | 3,621 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0530% | 6,642 |
| Cost of funding earning assets | 0.2877% | 5,195 |
| Net interest margin | 1.7653% | 6,632 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 0.2531% | 6,723 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9789% | 2,286 |
| Return on assets (ROA) | 0.9789% | 2,347 |
| Pretax return on assets | 1.4338% | 1,626 |
| Return on Equity (ROE) | 12.2555% | 1,355 |
| Retained earnings to average equity (ytd only) | 12.2555% | 579 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.0059% | 6,717 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 92.3695% | 183 |
| Equity capital to assets | 7.6183% | 6,270 |
| Core capital (leverage) ratio | 8.4266% | 5,723 |
| Tier 1 risk-based capital ratio | 30.6824% | 496 |
| Total risk-based capital ratio | 30.6824% | 543 |
| Memoranda: | ||
| Average total assets | $202,265,500 | 3,024 |
| Average earning assets | $193,282,500 | 2,928 |
| Average equity | $16,156,000 | 3,673 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1245% | 6,699 |
| Cost of funding earning assets | 0.3085% | 5,530 |
| Net interest margin | 1.8160% | 6,682 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 0.2524% | 6,800 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9455% | 2,587 |
| Return on assets (ROA) | 0.9455% | 2,657 |
| Pretax return on assets | 1.5376% | 1,334 |
| Return on Equity (ROE) | 12.0595% | 1,399 |
| Retained earnings to average equity (ytd only) | 12.0595% | 314 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.1015% | 6,799 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 76.4465% | 6,052 |
| Equity capital to assets | 8.4018% | 5,693 |
| Core capital (leverage) ratio | 8.1881% | 5,988 |
| Tier 1 risk-based capital ratio | 42.5301% | 196 |
| Total risk-based capital ratio | 42.5301% | 206 |
| Memoranda: | ||
| Average total assets | $199,268,800 | 3,038 |
| Average earning assets | $196,425,800 | 2,868 |
| Average equity | $15,622,600 | 3,758 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1249% | 6,780 |
| Cost of funding earning assets | 0.3137% | 5,608 |
| Net interest margin | 1.8112% | 6,768 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 0.2528% | 6,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9426% | 2,627 |
| Return on assets (ROA) | 0.9426% | 2,734 |
| Pretax return on assets | 1.5317% | 1,521 |
| Return on Equity (ROE) | 12.2298% | 1,409 |
| Retained earnings to average equity (ytd only) | 12.2298% | 396 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.1691% | 6,878 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 88.6263% | 1,765 |
| Equity capital to assets | 8.0588% | 6,114 |
| Core capital (leverage) ratio | 7.9790% | 6,238 |
| Tier 1 risk-based capital ratio | 41.5392% | 222 |
| Total risk-based capital ratio | 41.5392% | 235 |
| Memoranda: | ||
| Average total assets | $201,432,750 | 3,044 |
| Average earning assets | $198,467,250 | 2,866 |
| Average equity | $15,524,500 | 3,824 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1627% | 6,822 |
| Cost of funding earning assets | 0.3238% | 5,632 |
| Net interest margin | 1.8389% | 6,810 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 0.2474% | 6,931 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9611% | 2,506 |
| Return on assets (ROA) | 0.9611% | 2,656 |
| Pretax return on assets | 1.5589% | 1,462 |
| Return on Equity (ROE) | 12.6540% | 1,328 |
| Retained earnings to average equity (ytd only) | 12.6540% | 421 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.6957% | 6,925 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 74.9483% | 6,365 |
| Equity capital to assets | 7.7767% | 6,326 |
| Core capital (leverage) ratio | 7.7126% | 6,362 |
| Tier 1 risk-based capital ratio | 39.4824% | 245 |
| Total risk-based capital ratio | 39.4824% | 259 |
| Memoranda: | ||
| Average total assets | $203,728,330 | 3,024 |
| Average earning assets | $200,121,330 | 2,872 |
| Average equity | $15,473,330 | 3,863 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2578% | 6,879 |
| Cost of funding earning assets | 0.3234% | 5,774 |
| Net interest margin | 1.9344% | 6,866 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 0.2416% | 7,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0188% | 2,146 |
| Return on assets (ROA) | 1.0188% | 2,267 |
| Pretax return on assets | 1.6461% | 1,198 |
| Return on Equity (ROE) | 13.5725% | 1,039 |
| Retained earnings to average equity (ytd only) | 13.5725% | 488 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.7967% | 7,004 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 91.9962% | 246 |
| Equity capital to assets | 7.7203% | 6,513 |
| Core capital (leverage) ratio | 7.4330% | 6,492 |
| Tier 1 risk-based capital ratio | 33.3438% | 399 |
| Total risk-based capital ratio | 33.3438% | 441 |
| Memoranda: | ||
| Average total assets | $205,338,000 | 3,034 |
| Average earning assets | $200,371,000 | 2,896 |
| Average equity | $15,413,500 | 3,918 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5535% | 6,919 |
| Cost of funding earning assets | 0.3652% | 6,130 |
| Net interest margin | 2.1883% | 6,881 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 0.2623% | 7,063 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1599% | 1,739 |
| Return on assets (ROA) | 1.1599% | 1,893 |
| Pretax return on assets | 1.8911% | 764 |
| Return on Equity (ROE) | 13.2828% | 1,161 |
| Retained earnings to average equity (ytd only) | -6.2220% | 6,491 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.1803% | 7,066 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 146.8429% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 67.5860% | 6,869 |
| Equity capital to assets | 7.2962% | 6,696 |
| Core capital (leverage) ratio | 7.3702% | 6,554 |
| Tier 1 risk-based capital ratio | 36.2177% | 310 |
| Total risk-based capital ratio | 36.2177% | 339 |
| Memoranda: | ||
| Average total assets | $176,142,200 | 3,363 |
| Average earning assets | $173,333,800 | 3,184 |
| Average equity | $15,380,800 | 3,881 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6308% | 7,021 |
| Cost of funding earning assets | 0.3717% | 6,264 |
| Net interest margin | 2.2591% | 6,962 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 0.2700% | 7,173 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1956% | 1,761 |
| Return on assets (ROA) | 1.1956% | 1,934 |
| Pretax return on assets | 1.9486% | 779 |
| Return on Equity (ROE) | 13.0328% | 1,327 |
| Retained earnings to average equity (ytd only) | -12.8603% | 6,871 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.1699% | 7,165 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 198.6758% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 91.1218% | 382 |
| Equity capital to assets | 8.4903% | 6,267 |
| Core capital (leverage) ratio | 7.8545% | 6,434 |
| Tier 1 risk-based capital ratio | 37.5150% | 303 |
| Total risk-based capital ratio | 37.5150% | 318 |
| Memoranda: | ||
| Average total assets | $168,393,750 | 3,517 |
| Average earning assets | $165,372,000 | 3,331 |
| Average equity | $15,447,750 | 3,904 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6368% | 7,092 |
| Cost of funding earning assets | 0.3746% | 6,402 |
| Net interest margin | 2.2622% | 7,021 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 0.2693% | 7,234 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2059% | 1,693 |
| Return on assets (ROA) | 1.2059% | 1,891 |
| Pretax return on assets | 1.9669% | 732 |
| Return on Equity (ROE) | 12.8113% | 1,412 |
| Retained earnings to average equity (ytd only) | -25.5077% | 7,058 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.0430% | 7,226 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 299.1027% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 69.4916% | 6,930 |
| Equity capital to assets | 7.8120% | 6,668 |
| Core capital (leverage) ratio | 7.6704% | 6,532 |
| Tier 1 risk-based capital ratio | 39.5583% | 238 |
| Total risk-based capital ratio | 39.5583% | 260 |
| Memoranda: | ||
| Average total assets | $166,352,670 | 3,562 |
| Average earning assets | $164,443,000 | 3,357 |
| Average equity | $15,658,000 | 3,861 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7469% | 7,132 |
| Cost of funding earning assets | 0.3840% | 6,489 |
| Net interest margin | 2.3629% | 7,035 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 0.3027% | 7,297 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.2412% | 1,630 |
| Return on assets (ROA) | 1.2412% | 1,808 |
| Pretax return on assets | 2.0258% | 702 |
| Return on Equity (ROE) | 12.0147% | 1,673 |
| Retained earnings to average equity (ytd only) | 12.0147% | 821 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.0011% | 7,287 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 89.5823% | 1,317 |
| Equity capital to assets | 10.1224% | 3,959 |
| Core capital (leverage) ratio | 10.0927% | 3,252 |
| Tier 1 risk-based capital ratio | 29.0335% | 570 |
| Total risk-based capital ratio | 29.0335% | 642 |
| Memoranda: | ||
| Average total assets | $158,554,000 | 3,710 |
| Average earning assets | $156,251,500 | 3,507 |
| Average equity | $16,380,000 | 3,752 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1278% | 7,145 |
| Cost of funding earning assets | 0.4283% | 6,807 |
| Net interest margin | 2.6995% | 6,920 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 0.2683% | 7,346 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4692% | 889 |
| Return on assets (ROA) | 1.4778% | 947 |
| Pretax return on assets | 2.4100% | 249 |
| Return on Equity (ROE) | 15.5915% | 665 |
| Retained earnings to average equity (ytd only) | 15.5915% | 111 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.0692% | 7,346 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 82.0609% | 5,110 |
| Equity capital to assets | 10.5510% | 3,472 |
| Core capital (leverage) ratio | 10.0429% | 3,286 |
| Tier 1 risk-based capital ratio | 53.4679% | 117 |
| Total risk-based capital ratio | 53.4679% | 121 |
| Memoranda: | ||
| Average total assets | $157,261,600 | 3,673 |
| Average earning assets | $155,253,000 | 3,489 |
| Average equity | $14,905,600 | 3,930 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1275% | 7,225 |
| Cost of funding earning assets | 0.4334% | 6,927 |
| Net interest margin | 2.6942% | 6,996 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 0.2666% | 7,426 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.4666% | 1,013 |
| Return on assets (ROA) | 1.4774% | 1,068 |
| Pretax return on assets | 2.4097% | 289 |
| Return on Equity (ROE) | 16.0300% | 685 |
| Retained earnings to average equity (ytd only) | 16.0300% | 179 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.0254% | 7,419 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 86.5722% | 2,897 |
| Equity capital to assets | 10.3449% | 3,905 |
| Core capital (leverage) ratio | 9.2122% | 4,609 |
| Tier 1 risk-based capital ratio | 52.0392% | 140 |
| Total risk-based capital ratio | 52.0392% | 144 |
| Memoranda: | ||
| Average total assets | $158,021,500 | 3,690 |
| Average earning assets | $155,988,000 | 3,504 |
| Average equity | $14,564,000 | 4,018 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0505% | 7,326 |
| Cost of funding earning assets | 0.4499% | 7,008 |
| Net interest margin | 2.6006% | 7,119 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 0.2602% | 7,502 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.4132% | 1,051 |
| Return on assets (ROA) | 1.4300% | 1,082 |
| Pretax return on assets | 2.3334% | 328 |
| Return on Equity (ROE) | 16.1448% | 655 |
| Retained earnings to average equity (ytd only) | 16.1448% | 199 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.1365% | 7,495 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 70.0868% | 7,105 |
| Equity capital to assets | 9.1858% | 5,302 |
| Core capital (leverage) ratio | 8.4262% | 5,671 |
| Tier 1 risk-based capital ratio | 46.7265% | 164 |
| Total risk-based capital ratio | 46.7265% | 172 |
| Memoranda: | ||
| Average total assets | $159,855,670 | 3,689 |
| Average earning assets | $157,810,670 | 3,485 |
| Average equity | $14,159,330 | 4,094 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9268% | 7,411 |
| Cost of funding earning assets | 0.4462% | 7,121 |
| Net interest margin | 2.4807% | 7,211 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 0.2894% | 7,561 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3216% | 1,223 |
| Return on assets (ROA) | 1.3538% | 1,198 |
| Pretax return on assets | 2.2093% | 396 |
| Return on Equity (ROE) | 15.5773% | 729 |
| Retained earnings to average equity (ytd only) | 15.5773% | 341 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.8191% | 7,550 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 88.9811% | 1,786 |
| Equity capital to assets | 8.3890% | 6,065 |
| Core capital (leverage) ratio | 8.4583% | 5,531 |
| Tier 1 risk-based capital ratio | 43.1413% | 200 |
| Total risk-based capital ratio | 43.1413% | 208 |
| Memoranda: | ||
| Average total assets | $158,963,000 | 3,724 |
| Average earning assets | $156,894,000 | 3,525 |
| Average equity | $13,815,000 | 4,148 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6028% | 7,348 |
| Cost of funding earning assets | 0.7709% | 6,678 |
| Net interest margin | 2.8319% | 6,992 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 0.3129% | 7,627 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4447% | 868 |
| Return on assets (ROA) | 1.5539% | 742 |
| Pretax return on assets | 2.5343% | 177 |
| Return on Equity (ROE) | 14.7198% | 759 |
| Retained earnings to average equity (ytd only) | 14.7198% | 136 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.6887% | 7,635 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 83.2113% | 4,706 |
| Equity capital to assets | 9.0216% | 5,110 |
| Core capital (leverage) ratio | 8.6763% | 5,060 |
| Tier 1 risk-based capital ratio | 42.0571% | 213 |
| Total risk-based capital ratio | 42.0571% | 225 |
| Memoranda: | ||
| Average total assets | $124,334,600 | 4,393 |
| Average earning assets | $117,520,200 | 4,283 |
| Average equity | $13,125,200 | 4,343 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7537% | 7,428 |
| Cost of funding earning assets | 0.8730% | 6,497 |
| Net interest margin | 2.8807% | 7,037 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 0.3256% | 7,742 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4466% | 1,026 |
| Return on assets (ROA) | 1.4466% | 1,099 |
| Pretax return on assets | 2.3587% | 293 |
| Return on Equity (ROE) | 13.0895% | 1,231 |
| Retained earnings to average equity (ytd only) | 13.0895% | 339 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.1302% | 7,742 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 89.3654% | 1,190 |
| Equity capital to assets | 9.9232% | 4,261 |
| Core capital (leverage) ratio | 10.4848% | 2,704 |
| Tier 1 risk-based capital ratio | 29.5509% | 537 |
| Total risk-based capital ratio | 29.5509% | 593 |
| Memoranda: | ||
| Average total assets | $117,517,750 | 4,599 |
| Average earning assets | $109,506,000 | 4,540 |
| Average equity | $12,987,250 | 4,445 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9034% | 7,424 |
| Cost of funding earning assets | 1.0354% | 5,983 |
| Net interest margin | 2.8680% | 7,055 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 0.3447% | 7,811 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4766% | 952 |
| Return on assets (ROA) | 1.4766% | 1,013 |
| Pretax return on assets | 2.4090% | 278 |
| Return on Equity (ROE) | 12.8105% | 1,284 |
| Retained earnings to average equity (ytd only) | 12.8105% | 401 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.5165% | 7,806 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 71.7449% | 7,197 |
| Equity capital to assets | 11.2441% | 2,647 |
| Core capital (leverage) ratio | 10.9304% | 2,294 |
| Tier 1 risk-based capital ratio | 36.6416% | 310 |
| Total risk-based capital ratio | 36.6416% | 332 |
| Memoranda: | ||
| Average total assets | $110,253,670 | 4,798 |
| Average earning assets | $105,857,670 | 4,648 |
| Average equity | $12,708,330 | 4,498 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3208% | 7,103 |
| Cost of funding earning assets | 1.1109% | 5,847 |
| Net interest margin | 3.2098% | 6,265 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 0.2481% | 7,921 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.7140% | 596 |
| Return on assets (ROA) | 1.7140% | 651 |
| Pretax return on assets | 2.7928% | 161 |
| Return on Equity (ROE) | 14.6712% | 930 |
| Retained earnings to average equity (ytd only) | 14.6712% | 441 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.1582% | 7,915 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 87.4861% | 2,364 |
| Equity capital to assets | 11.8121% | 2,157 |
| Core capital (leverage) ratio | 11.0240% | 2,216 |
| Tier 1 risk-based capital ratio | 41.8292% | 228 |
| Total risk-based capital ratio | 41.8292% | 239 |
| Memoranda: | ||
| Average total assets | $106,416,000 | 4,968 |
| Average earning assets | $100,815,500 | 4,853 |
| Average equity | $12,432,500 | 4,608 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 7,711 |
| Cost of funding earning assets | 1.4036% | 5,923 |
| Net interest margin | 2.5557% | 7,366 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 0.3295% | 7,994 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3289% | 976 |
| Return on assets (ROA) | 1.3289% | 1,022 |
| Pretax return on assets | 2.1695% | 295 |
| Return on Equity (ROE) | 12.9760% | 962 |
| Retained earnings to average equity (ytd only) | 12.9760% | 155 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.1856% | 7,990 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 77.2099% | 6,412 |
| Equity capital to assets | 11.5527% | 2,279 |
| Core capital (leverage) ratio | 10.2452% | 2,830 |
| Tier 1 risk-based capital ratio | 51.4216% | 155 |
| Total risk-based capital ratio | 51.4216% | 161 |
| Memoranda: | ||
| Average total assets | $110,165,400 | 4,816 |
| Average earning assets | $107,720,800 | 4,641 |
| Average equity | $11,282,400 | 4,950 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0297% | 7,794 |
| Cost of funding earning assets | 1.4418% | 6,072 |
| Net interest margin | 2.5879% | 7,369 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 0.3657% | 8,083 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.3247% | 1,168 |
| Return on assets (ROA) | 1.3247% | 1,234 |
| Pretax return on assets | 2.1627% | 385 |
| Return on Equity (ROE) | 13.3421% | 1,039 |
| Retained earnings to average equity (ytd only) | 13.3421% | 236 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.4618% | 8,070 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 88.4413% | 1,458 |
| Equity capital to assets | 10.7891% | 3,219 |
| Core capital (leverage) ratio | 9.8596% | 3,445 |
| Tier 1 risk-based capital ratio | 33.1429% | 436 |
| Total risk-based capital ratio | 33.1429% | 467 |
| Memoranda: | ||
| Average total assets | $111,215,000 | 4,822 |
| Average earning assets | $108,657,500 | 4,632 |
| Average equity | $11,042,500 | 5,063 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1503% | 7,851 |
| Cost of funding earning assets | 1.5826% | 5,804 |
| Net interest margin | 2.5677% | 7,396 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.4053% | 8,176 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.2949% | 1,239 |
| Return on assets (ROA) | 1.2949% | 1,323 |
| Pretax return on assets | 2.1145% | 417 |
| Return on Equity (ROE) | 13.4251% | 1,091 |
| Retained earnings to average equity (ytd only) | 13.4251% | 287 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.0854% | 8,155 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 81.7668% | 4,787 |
| Equity capital to assets | 10.5395% | 3,354 |
| Core capital (leverage) ratio | 9.2401% | 4,253 |
| Tier 1 risk-based capital ratio | 33.8325% | 454 |
| Total risk-based capital ratio | 33.8325% | 470 |
| Memoranda: | ||
| Average total assets | $111,515,000 | 4,840 |
| Average earning assets | $109,437,000 | 4,639 |
| Average equity | $10,756,000 | 5,150 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3276% | 7,837 |
| Cost of funding earning assets | 1.7427% | 5,398 |
| Net interest margin | 2.5849% | 7,391 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.1876% | 8,236 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4261% | 1,086 |
| Return on assets (ROA) | 1.4261% | 1,172 |
| Pretax return on assets | 2.3321% | 344 |
| Return on Equity (ROE) | 15.4740% | 896 |
| Retained earnings to average equity (ytd only) | 15.4740% | 371 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 7.4438% | 8,214 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 90.0541% | 778 |
| Equity capital to assets | 9.5039% | 4,659 |
| Core capital (leverage) ratio | 9.1120% | 4,536 |
| Tier 1 risk-based capital ratio | 39.4855% | 334 |
| Total risk-based capital ratio | 39.4855% | 346 |
| Memoranda: | ||
| Average total assets | $113,033,500 | 4,824 |
| Average earning assets | $110,177,000 | 4,634 |
| Average equity | $10,417,500 | 5,254 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7237% | 7,971 |
| Cost of funding earning assets | 2.0831% | 6,121 |
| Net interest margin | 2.6406% | 7,594 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.2062% | 8,283 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4595% | 1,105 |
| Return on assets (ROA) | 1.4507% | 1,075 |
| Pretax return on assets | 2.3667% | 264 |
| Return on Equity (ROE) | 15.6909% | 814 |
| Retained earnings to average equity (ytd only) | 15.6909% | 76 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 7.9710% | 8,280 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 90.7272% | 414 |
| Equity capital to assets | 8.9307% | 5,459 |
| Core capital (leverage) ratio | 7.9861% | 6,518 |
| Tier 1 risk-based capital ratio | 39.9136% | 342 |
| Total risk-based capital ratio | 39.9136% | 354 |
| Memoranda: | ||
| Average total assets | $80,027,800 | 5,708 |
| Average earning assets | $78,392,200 | 5,478 |
| Average equity | $7,399,200 | 6,314 |
| Average total loans | NA | NA |