Home > The Haverford Trust Company > Performance and Condition Ratios
The Haverford Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0535% | 590 |
| Cost of funding earning assets | 3.6847% | 58 |
| Net interest margin | 2.3688% | 4,207 |
| Noninterest income to average assets | 35.0800% | 63 |
| Noninterest expense to average assets | 30.4243% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 6.7687% | 53 |
| Return on assets (ROA) | 6.7687% | 55 |
| Pretax return on assets | 6.7687% | 67 |
| Return on Equity (ROE) | 33.6100% | 138 |
| Retained earnings to average equity (ytd only) | 7.6699% | 1,647 |
| 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 | 81.8012% | 787 |
| Assets per employee ($millions) | 1.3230% | 4,473 |
| Cash dividends to net income (ytd only)* | 77.1812% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3176% | 4,419 |
| 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 | 50.1400% | 3,584 |
| Net loans and leases to deposits | 73.3363% | 2,665 |
| Net loans and leases to core deposits | 157.2986% | 166 |
| Total domestic deposits to total assets | 68.3700% | 4,336 |
| Equity capital to assets | 20.2106% | 278 |
| Core capital (leverage) ratio | 20.2188% | 263 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $176,106,000 | 3,159 |
| Average earning assets | $156,785,200 | 3,192 |
| Average equity | $35,463,400 | 2,040 |
| Average total loans | $85,294,800 | 3,354 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9130% | 594 |
| Cost of funding earning assets | 3.5512% | 57 |
| Net interest margin | 2.3618% | 4,271 |
| Noninterest income to average assets | 35.0800% | 61 |
| Noninterest expense to average assets | 30.2595% | 59 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 6.9229% | 58 |
| Return on assets (ROA) | 6.9229% | 58 |
| Pretax return on assets | 6.9229% | 67 |
| Return on Equity (ROE) | 34.4100% | 168 |
| Retained earnings to average equity (ytd only) | 17.5105% | 363 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 81.3813% | 772 |
| Assets per employee ($millions) | 1.3370% | 4,501 |
| Cash dividends to net income (ytd only)* | 49.1106% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3488% | 4,429 |
| 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 | 45.1700% | 3,861 |
| Net loans and leases to deposits | 66.0404% | 3,122 |
| Net loans and leases to core deposits | 140.5317% | 215 |
| Total domestic deposits to total assets | 68.4000% | 4,362 |
| Equity capital to assets | 21.0992% | 261 |
| Core capital (leverage) ratio | 21.2229% | 229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $176,473,500 | 3,163 |
| Average earning assets | $156,826,250 | 3,203 |
| Average equity | $35,505,500 | 2,027 |
| Average total loans | $84,657,500 | 3,364 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7598% | 585 |
| Cost of funding earning assets | 3.3840% | 44 |
| Net interest margin | 2.3757% | 4,320 |
| Noninterest income to average assets | 34.9400% | 61 |
| Noninterest expense to average assets | 30.1423% | 59 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 6.9054% | 52 |
| Return on assets (ROA) | 6.9054% | 52 |
| Pretax return on assets | 6.9054% | 61 |
| Return on Equity (ROE) | 34.8900% | 151 |
| Retained earnings to average equity (ytd only) | 23.4366% | 154 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.3607% | 756 |
| Assets per employee ($millions) | 1.3858% | 4,529 |
| Cash dividends to net income (ytd only)* | 32.8246% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3390% | 4,464 |
| 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 | 45.8800% | 3,798 |
| Net loans and leases to deposits | 68.7136% | 2,880 |
| Net loans and leases to core deposits | 137.8498% | 238 |
| Total domestic deposits to total assets | 66.7700% | 4,426 |
| Equity capital to assets | 20.5110% | 268 |
| Core capital (leverage) ratio | 20.4415% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $176,469,667 | 3,169 |
| Average earning assets | $156,499,000 | 3,214 |
| Average equity | $34,928,333 | 2,059 |
| Average total loans | $86,211,000 | 3,347 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2928% | 836 |
| Cost of funding earning assets | 3.1581% | 23 |
| Net interest margin | 2.1347% | 4,520 |
| Noninterest income to average assets | 35.4200% | 63 |
| Noninterest expense to average assets | 30.5273% | 59 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 6.7694% | 56 |
| Return on assets (ROA) | 6.7694% | 56 |
| Pretax return on assets | 6.7694% | 67 |
| Return on Equity (ROE) | 34.8500% | 160 |
| Retained earnings to average equity (ytd only) | 34.8459% | 81 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 81.8499% | 716 |
| Assets per employee ($millions) | 1.4170% | 4,598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3305% | 4,525 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 46.3900% | 3,755 |
| Net loans and leases to deposits | 67.8449% | 2,781 |
| Net loans and leases to core deposits | 141.1031% | 176 |
| Total domestic deposits to total assets | 68.3800% | 4,453 |
| Equity capital to assets | 19.5963% | 247 |
| Core capital (leverage) ratio | 20.6808% | 236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $175,318,500 | 3,217 |
| Average earning assets | $154,399,000 | 3,272 |
| Average equity | $34,058,500 | 2,118 |
| Average total loans | $88,166,000 | 3,350 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8100% | 4,313 |
| Cost of funding earning assets | 0.8819% | 269 |
| Net interest margin | 1.9281% | 4,572 |
| Noninterest income to average assets | 33.6100% | 61 |
| Noninterest expense to average assets | 28.1381% | 62 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 7.2025% | 52 |
| Return on assets (ROA) | 7.2025% | 50 |
| Pretax return on assets | 7.2424% | 60 |
| Return on Equity (ROE) | 37.9300% | 61 |
| Retained earnings to average equity (ytd only) | 7.8940% | 1,878 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.5299% | 751 |
| Assets per employee ($millions) | 1.3650% | 4,632 |
| Cash dividends to net income (ytd only)* | 79.1891% | 448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3036% | 4,548 |
| 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 | 54.1300% | 3,188 |
| Net loans and leases to deposits | 78.9335% | 1,853 |
| Net loans and leases to core deposits | 172.6165% | 49 |
| Total domestic deposits to total assets | 68.5800% | 4,497 |
| Equity capital to assets | 19.2449% | 244 |
| Core capital (leverage) ratio | 20.3407% | 241 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $175,328,400 | 3,231 |
| Average earning assets | $161,243,600 | 3,231 |
| Average equity | $33,291,000 | 2,185 |
| Average total loans | $90,853,400 | 3,277 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2463% | 4,553 |
| Cost of funding earning assets | 0.4842% | 819 |
| Net interest margin | 1.7621% | 4,608 |
| Noninterest income to average assets | 33.9600% | 60 |
| Noninterest expense to average assets | 27.3228% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 8.2368% | 51 |
| Return on assets (ROA) | 8.2368% | 50 |
| Pretax return on assets | 8.2805% | 56 |
| Return on Equity (ROE) | 43.5200% | 41 |
| Retained earnings to average equity (ytd only) | 17.6273% | 180 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.7423% | 1,016 |
| Assets per employee ($millions) | 1.2582% | 4,674 |
| Cash dividends to net income (ytd only)* | 59.4966% | 886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2772% | 4,596 |
| 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 | 64.8700% | 1,993 |
| Net loans and leases to deposits | 89.4458% | 929 |
| Net loans and leases to core deposits | 198.5973% | 22 |
| Total domestic deposits to total assets | 72.5200% | 4,500 |
| Equity capital to assets | 22.2102% | 174 |
| Core capital (leverage) ratio | 19.7620% | 247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $176,844,000 | 3,240 |
| Average earning assets | $164,650,000 | 3,231 |
| Average equity | $33,470,000 | 2,212 |
| Average total loans | $90,589,500 | 3,287 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6002% | 4,696 |
| Cost of funding earning assets | 0.1743% | 3,261 |
| Net interest margin | 1.4259% | 4,691 |
| Noninterest income to average assets | 33.8360% | 26 |
| Noninterest expense to average assets | 25.5801% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 9.5447% | 22 |
| Return on assets (ROA) | 9.5447% | 20 |
| Pretax return on assets | 9.5882% | 24 |
| Return on Equity (ROE) | 53.0068% | 13 |
| Retained earnings to average equity (ytd only) | 28.8881% | 25 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7363% | 1,665 |
| Assets per employee ($millions) | 1.5309% | 4,715 |
| Cash dividends to net income (ytd only)* | 45.5011% | 1,490 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2795% | 4,669 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 53.7371% | 2,992 |
| Net loans and leases to deposits | 72.0247% | 2,023 |
| Net loans and leases to core deposits | 166.4871% | 35 |
| Total domestic deposits to total assets | 74.6093% | 4,516 |
| Equity capital to assets | 18.7533% | 200 |
| Core capital (leverage) ratio | 20.0016% | 189 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3789% | 513 |
| Memoranda: | ||
| Average total assets | $184,206,000 | 3,205 |
| Average earning assets | $172,100,667 | 3,198 |
| Average equity | $33,169,333 | 2,266 |
| Average total loans | $87,231,333 | 3,363 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3407% | 4,737 |
| Cost of funding earning assets | 0.1200% | 3,898 |
| Net interest margin | 1.2207% | 4,732 |
| Noninterest income to average assets | 34.9305% | 29 |
| Noninterest expense to average assets | 25.4319% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 10.6179% | 23 |
| Return on assets (ROA) | 10.6179% | 22 |
| Pretax return on assets | 10.6505% | 25 |
| Return on Equity (ROE) | 60.2254% | 13 |
| Retained earnings to average equity (ytd only) | 60.2254% | 10 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4828% | 2,160 |
| Assets per employee ($millions) | 1.6379% | 4,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3280% | 4,674 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 44.6271% | 3,694 |
| Net loans and leases to deposits | 58.4701% | 3,036 |
| Net loans and leases to core deposits | 142.1070% | 55 |
| Total domestic deposits to total assets | 76.3246% | 4,487 |
| Equity capital to assets | 18.3280% | 216 |
| Core capital (leverage) ratio | 19.2376% | 203 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 21.5467% | 596 |
| Memoranda: | ||
| Average total assets | $183,690,500 | 3,217 |
| Average earning assets | $173,345,500 | 3,198 |
| Average equity | $32,385,000 | 2,365 |
| Average total loans | $80,937,000 | 3,443 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2465% | 4,768 |
| Cost of funding earning assets | 0.1549% | 3,916 |
| Net interest margin | 1.0916% | 4,772 |
| Noninterest income to average assets | 32.0487% | 29 |
| Noninterest expense to average assets | 25.2224% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 7.8210% | 26 |
| Return on assets (ROA) | 7.8210% | 26 |
| Pretax return on assets | 7.8564% | 35 |
| Return on Equity (ROE) | 45.5737% | 21 |
| Retained earnings to average equity (ytd only) | 7.8932% | 1,585 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2494% | 1,087 |
| Assets per employee ($millions) | 1.5161% | 4,783 |
| Cash dividends to net income (ytd only)* | 82.6803% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3633% | 4,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 43.1414% | 3,901 |
| Net loans and leases to deposits | 55.3739% | 3,476 |
| Net loans and leases to core deposits | 124.9041% | 129 |
| Total domestic deposits to total assets | 77.9093% | 4,401 |
| Equity capital to assets | 16.8828% | 304 |
| Core capital (leverage) ratio | 16.8681% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.2748% | 724 |
| Memoranda: | ||
| Average total assets | $177,842,000 | 3,226 |
| Average earning assets | $167,828,200 | 3,206 |
| Average equity | $30,519,800 | 2,499 |
| Average total loans | $69,933,400 | 3,649 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2092% | 4,854 |
| Cost of funding earning assets | 0.1642% | 3,979 |
| Net interest margin | 1.0450% | 4,859 |
| Noninterest income to average assets | 31.4428% | 29 |
| Noninterest expense to average assets | 24.1903% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 8.2160% | 26 |
| Return on assets (ROA) | 8.2160% | 25 |
| Pretax return on assets | 8.2392% | 35 |
| Return on Equity (ROE) | 47.6828% | 21 |
| Retained earnings to average equity (ytd only) | 21.5933% | 89 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5934% | 1,164 |
| Assets per employee ($millions) | 1.5600% | 4,859 |
| Cash dividends to net income (ytd only)* | 54.7146% | 1,019 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3860% | 4,778 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 40.8425% | 4,161 |
| Net loans and leases to deposits | 52.6591% | 3,836 |
| Net loans and leases to core deposits | 112.0927% | 286 |
| Total domestic deposits to total assets | 77.5603% | 4,458 |
| Equity capital to assets | 18.4392% | 253 |
| Core capital (leverage) ratio | 17.9521% | 262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3981% | 578 |
| Memoranda: | ||
| Average total assets | $177,957,000 | 3,260 |
| Average earning assets | $168,039,000 | 3,233 |
| Average equity | $30,663,000 | 2,520 |
| Average total loans | $68,215,750 | 3,740 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1591% | 4,896 |
| Cost of funding earning assets | 0.1803% | 3,941 |
| Net interest margin | 0.9788% | 4,905 |
| Noninterest income to average assets | 30.6458% | 28 |
| Noninterest expense to average assets | 22.9390% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 8.6076% | 25 |
| Return on assets (ROA) | 8.6076% | 24 |
| Pretax return on assets | 8.6311% | 34 |
| Return on Equity (ROE) | 51.1359% | 23 |
| Retained earnings to average equity (ytd only) | 24.5130% | 78 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6605% | 1,362 |
| Assets per employee ($millions) | 1.6970% | 4,893 |
| Cash dividends to net income (ytd only)* | 52.0630% | 1,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3831% | 4,810 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 38.8593% | 4,342 |
| Net loans and leases to deposits | 50.1472% | 4,101 |
| Net loans and leases to core deposits | 107.9080% | 419 |
| Total domestic deposits to total assets | 77.4903% | 4,480 |
| Equity capital to assets | 16.7251% | 344 |
| Core capital (leverage) ratio | 17.4533% | 286 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0321% | 800 |
| Memoranda: | ||
| Average total assets | $178,517,000 | 3,260 |
| Average earning assets | $168,580,667 | 3,239 |
| Average equity | $30,049,333 | 2,548 |
| Average total loans | $66,862,667 | 3,780 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1319% | 4,934 |
| Cost of funding earning assets | 0.2012% | 3,904 |
| Net interest margin | 0.9308% | 4,938 |
| Noninterest income to average assets | 30.5274% | 30 |
| Noninterest expense to average assets | 22.5522% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 8.8305% | 26 |
| Return on assets (ROA) | 8.8305% | 25 |
| Pretax return on assets | 8.8558% | 35 |
| Return on Equity (ROE) | 52.2816% | 27 |
| Retained earnings to average equity (ytd only) | 52.2816% | 13 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8040% | 1,516 |
| Assets per employee ($millions) | 1.6985% | 4,920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4430% | 4,807 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 34.8267% | 4,555 |
| Net loans and leases to deposits | 44.6844% | 4,401 |
| Net loans and leases to core deposits | 85.4728% | 1,558 |
| Total domestic deposits to total assets | 77.9393% | 4,438 |
| Equity capital to assets | 17.4345% | 279 |
| Core capital (leverage) ratio | 18.2734% | 251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.9793% | 682 |
| Memoranda: | ||
| Average total assets | $174,440,000 | 3,292 |
| Average earning assets | $165,027,000 | 3,268 |
| Average equity | $29,463,500 | 2,588 |
| Average total loans | $63,885,000 | 3,847 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6252% | 4,941 |
| Cost of funding earning assets | 0.5611% | 2,555 |
| Net interest margin | 1.0641% | 4,956 |
| Noninterest income to average assets | 27.4393% | 34 |
| Noninterest expense to average assets | 22.1629% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 6.2577% | 36 |
| Return on assets (ROA) | 6.2554% | 34 |
| Pretax return on assets | 6.2793% | 39 |
| Return on Equity (ROE) | 37.9271% | 37 |
| Retained earnings to average equity (ytd only) | 7.8431% | 1,102 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9162% | 1,037 |
| Assets per employee ($millions) | 1.6080% | 4,945 |
| Cash dividends to net income (ytd only)* | 79.3206% | 655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4306% | 4,838 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 38.2078% | 4,512 |
| Net loans and leases to deposits | 48.2379% | 4,385 |
| Net loans and leases to core deposits | 89.0198% | 1,609 |
| Total domestic deposits to total assets | 79.2069% | 4,179 |
| Equity capital to assets | 16.3101% | 401 |
| Core capital (leverage) ratio | 15.6050% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.9669% | 906 |
| Memoranda: | ||
| Average total assets | $171,308,800 | 3,184 |
| Average earning assets | $161,825,000 | 3,151 |
| Average equity | $28,254,200 | 2,589 |
| Average total loans | $65,939,400 | 3,812 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7330% | 4,983 |
| Cost of funding earning assets | 0.6733% | 2,181 |
| Net interest margin | 1.0596% | 5,000 |
| Noninterest income to average assets | 27.0939% | 34 |
| Noninterest expense to average assets | 21.8670% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 6.2064% | 38 |
| Return on assets (ROA) | 6.2351% | 36 |
| Pretax return on assets | 6.2576% | 41 |
| Return on Equity (ROE) | 37.7014% | 37 |
| Retained earnings to average equity (ytd only) | 21.2891% | 69 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8299% | 1,055 |
| Assets per employee ($millions) | 1.7643% | 4,972 |
| Cash dividends to net income (ytd only)* | 43.5323% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4349% | 4,864 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 36.2057% | 4,673 |
| Net loans and leases to deposits | 45.5880% | 4,618 |
| Net loans and leases to core deposits | 86.7564% | 2,249 |
| Total domestic deposits to total assets | 79.4194% | 3,979 |
| Equity capital to assets | 16.9259% | 383 |
| Core capital (leverage) ratio | 17.4686% | 302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.3685% | 858 |
| Memoranda: | ||
| Average total assets | $171,926,000 | 3,160 |
| Average earning assets | $162,568,000 | 3,131 |
| Average equity | $28,433,250 | 2,564 |
| Average total loans | $66,227,000 | 3,824 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9432% | 5,021 |
| Cost of funding earning assets | 0.9133% | 1,312 |
| Net interest margin | 1.0299% | 5,047 |
| Noninterest income to average assets | 27.2319% | 33 |
| Noninterest expense to average assets | 21.9146% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 6.2655% | 26 |
| Return on assets (ROA) | 6.3230% | 26 |
| Pretax return on assets | 6.3488% | 30 |
| Return on Equity (ROE) | 38.5449% | 36 |
| Retained earnings to average equity (ytd only) | 31.3911% | 27 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6950% | 1,080 |
| Assets per employee ($millions) | 1.7705% | 5,003 |
| Cash dividends to net income (ytd only)* | 18.5598% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4354% | 4,888 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 37.5406% | 4,685 |
| Net loans and leases to deposits | 48.8568% | 4,571 |
| Net loans and leases to core deposits | 95.3382% | 1,629 |
| Total domestic deposits to total assets | 76.8380% | 4,335 |
| Equity capital to assets | 17.4798% | 336 |
| Core capital (leverage) ratio | 17.6818% | 305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0385% | 773 |
| Memoranda: | ||
| Average total assets | $170,425,333 | 3,158 |
| Average earning assets | $161,174,667 | 3,122 |
| Average equity | $27,957,000 | 2,588 |
| Average total loans | $66,917,333 | 3,817 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3964% | 5,061 |
| Cost of funding earning assets | 1.3407% | 497 |
| Net interest margin | 1.0557% | 5,103 |
| Noninterest income to average assets | 29.3483% | 28 |
| Noninterest expense to average assets | 22.0727% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 8.2459% | 20 |
| Return on assets (ROA) | 8.2459% | 21 |
| Pretax return on assets | 8.2741% | 22 |
| Return on Equity (ROE) | 51.9636% | 12 |
| Retained earnings to average equity (ytd only) | 51.9636% | 5 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7350% | 1,968 |
| Assets per employee ($millions) | 1.7909% | 5,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4259% | 4,930 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 38.3431% | 4,719 |
| Net loans and leases to deposits | 49.0364% | 4,626 |
| Net loans and leases to core deposits | 97.6558% | 1,669 |
| Total domestic deposits to total assets | 78.1933% | 4,185 |
| Equity capital to assets | 16.9502% | 449 |
| Core capital (leverage) ratio | 16.8853% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.4225% | 931 |
| Memoranda: | ||
| Average total assets | $170,654,000 | 3,127 |
| Average earning assets | $161,411,500 | 3,097 |
| Average equity | $27,080,500 | 2,637 |
| Average total loans | $68,333,000 | 3,797 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3218% | 4,955 |
| Cost of funding earning assets | 1.8559% | 115 |
| Net interest margin | 1.4660% | 5,137 |
| Noninterest income to average assets | 30.2069% | 31 |
| Noninterest expense to average assets | 26.1015% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 5.4461% | 35 |
| Return on assets (ROA) | 5.4461% | 38 |
| Pretax return on assets | 5.4805% | 46 |
| Return on Equity (ROE) | 31.1331% | 35 |
| Retained earnings to average equity (ytd only) | 5.1921% | 2,316 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6468% | 758 |
| Assets per employee ($millions) | 1.8209% | 5,094 |
| Cash dividends to net income (ytd only)* | 83.3228% | 704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3921% | 4,993 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 41.4044% | 4,692 |
| Net loans and leases to deposits | 51.4214% | 4,630 |
| Net loans and leases to core deposits | 111.2103% | 791 |
| Total domestic deposits to total assets | 80.5197% | 3,874 |
| Equity capital to assets | 14.7937% | 849 |
| Core capital (leverage) ratio | 15.4469% | 598 |
| Tier 1 risk-based capital ratio | 13.6313% | 3,443 |
| Total risk-based capital ratio | 13.8085% | 3,922 |
| Memoranda: | ||
| Average total assets | $145,443,600 | 3,358 |
| Average earning assets | $136,430,200 | 3,337 |
| Average equity | $25,442,400 | 2,686 |
| Average total loans | $75,773,400 | 3,670 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5122% | 4,953 |
| Cost of funding earning assets | 1.9002% | 97 |
| Net interest margin | 1.6120% | 5,217 |
| Noninterest income to average assets | 31.1561% | 31 |
| Noninterest expense to average assets | 26.8036% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 5.8152% | 30 |
| Return on assets (ROA) | 5.8152% | 32 |
| Pretax return on assets | 5.8602% | 42 |
| Return on Equity (ROE) | 31.7354% | 33 |
| Retained earnings to average equity (ytd only) | 17.0794% | 81 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0590% | 751 |
| Assets per employee ($millions) | 1.7462% | 5,183 |
| Cash dividends to net income (ytd only)* | 46.1817% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3749% | 5,077 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 45.6501% | 4,621 |
| Net loans and leases to deposits | 57.3522% | 4,495 |
| Net loans and leases to core deposits | 120.3728% | 525 |
| Total domestic deposits to total assets | 79.5962% | 4,073 |
| Equity capital to assets | 16.7886% | 507 |
| Core capital (leverage) ratio | 17.5789% | 383 |
| Tier 1 risk-based capital ratio | 17.0369% | 2,076 |
| Total risk-based capital ratio | 17.2406% | 2,375 |
| Memoranda: | ||
| Average total assets | $139,012,500 | 3,483 |
| Average earning assets | $130,021,000 | 3,464 |
| Average equity | $25,472,500 | 2,689 |
| Average total loans | $76,929,250 | 3,694 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6397% | 4,895 |
| Cost of funding earning assets | 1.8608% | 98 |
| Net interest margin | 1.7789% | 5,261 |
| Noninterest income to average assets | 32.2928% | 31 |
| Noninterest expense to average assets | 28.4869% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 5.4002% | 31 |
| Return on assets (ROA) | 5.4002% | 34 |
| Pretax return on assets | 5.4627% | 42 |
| Return on Equity (ROE) | 28.4861% | 52 |
| Retained earnings to average equity (ytd only) | 18.0339% | 82 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9095% | 657 |
| Assets per employee ($millions) | 1.4505% | 5,239 |
| Cash dividends to net income (ytd only)* | 36.6921% | 2,348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3693% | 5,135 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 56.3973% | 4,052 |
| Net loans and leases to deposits | 76.8092% | 3,262 |
| Net loans and leases to core deposits | 145.7962% | 152 |
| Total domestic deposits to total assets | 73.4252% | 4,871 |
| Equity capital to assets | 19.6664% | 256 |
| Core capital (leverage) ratio | 20.7379% | 210 |
| Tier 1 risk-based capital ratio | 17.2440% | 2,013 |
| Total risk-based capital ratio | 17.4582% | 2,278 |
| Memoranda: | ||
| Average total assets | $131,218,000 | 3,605 |
| Average earning assets | $122,207,000 | 3,597 |
| Average equity | $24,875,330 | 2,736 |
| Average total loans | $77,768,000 | 3,697 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6507% | 4,907 |
| Cost of funding earning assets | 1.8369% | 91 |
| Net interest margin | 1.8137% | 5,330 |
| Noninterest income to average assets | 31.7838% | 31 |
| Noninterest expense to average assets | 28.2789% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 5.1651% | 41 |
| Return on assets (ROA) | 5.1651% | 44 |
| Pretax return on assets | 5.1866% | 50 |
| Return on Equity (ROE) | 27.7789% | 65 |
| Retained earnings to average equity (ytd only) | 6.2833% | 2,328 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5016% | 671 |
| Assets per employee ($millions) | 1.4308% | 5,300 |
| Cash dividends to net income (ytd only)* | 77.3810% | 975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3594% | 5,208 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 58.7628% | 3,808 |
| Net loans and leases to deposits | 77.6232% | 3,102 |
| Net loans and leases to core deposits | 145.9820% | 142 |
| Total domestic deposits to total assets | 75.7025% | 4,794 |
| Equity capital to assets | 18.5222% | 308 |
| Core capital (leverage) ratio | 18.8703% | 285 |
| Tier 1 risk-based capital ratio | 17.6476% | 1,898 |
| Total risk-based capital ratio | 17.8886% | 2,171 |
| Memoranda: | ||
| Average total assets | $130,104,000 | 3,657 |
| Average earning assets | $120,635,500 | 3,649 |
| Average equity | $24,191,000 | 2,792 |
| Average total loans | $78,882,500 | 3,717 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1783% | 5,160 |
| Cost of funding earning assets | 1.3412% | 185 |
| Net interest margin | 1.8371% | 5,349 |
| Noninterest income to average assets | 31.9136% | 30 |
| Noninterest expense to average assets | 25.8457% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 7.7558% | 25 |
| Return on assets (ROA) | 7.7558% | 25 |
| Pretax return on assets | 7.7751% | 30 |
| Return on Equity (ROE) | 44.0511% | 10 |
| Retained earnings to average equity (ytd only) | 10.2793% | 576 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8741% | 1,247 |
| Assets per employee ($millions) | 1.4129% | 5,347 |
| Cash dividends to net income (ytd only)* | 76.6651% | 806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3482% | 5,252 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 62.1083% | 3,554 |
| Net loans and leases to deposits | 81.9424% | 2,740 |
| Net loans and leases to core deposits | 160.7978% | 87 |
| Total domestic deposits to total assets | 75.7950% | 4,777 |
| Equity capital to assets | 18.6666% | 292 |
| Core capital (leverage) ratio | 18.7533% | 274 |
| Tier 1 risk-based capital ratio | 15.8936% | 2,446 |
| Total risk-based capital ratio | 16.1142% | 2,829 |
| Memoranda: | ||
| Average total assets | $134,544,400 | 3,585 |
| Average earning assets | $125,035,200 | 3,575 |
| Average equity | $23,688,400 | 2,758 |
| Average total loans | $80,219,000 | 3,663 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0461% | 5,267 |
| Cost of funding earning assets | 1.2332% | 213 |
| Net interest margin | 1.8129% | 5,425 |
| Noninterest income to average assets | 30.8851% | 31 |
| Noninterest expense to average assets | 25.2789% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 7.2734% | 25 |
| Return on assets (ROA) | 7.2734% | 25 |
| Pretax return on assets | 7.2949% | 31 |
| Return on Equity (ROE) | 41.9073% | 16 |
| Retained earnings to average equity (ytd only) | 17.6247% | 91 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6049% | 1,158 |
| Assets per employee ($millions) | 1.4470% | 5,413 |
| Cash dividends to net income (ytd only)* | 57.9437% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3342% | 5,337 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 63.8808% | 3,443 |
| Net loans and leases to deposits | 83.3437% | 2,675 |
| Net loans and leases to core deposits | 162.3829% | 82 |
| Total domestic deposits to total assets | 76.6475% | 4,697 |
| Equity capital to assets | 18.9565% | 275 |
| Core capital (leverage) ratio | 18.5892% | 286 |
| Tier 1 risk-based capital ratio | 16.3295% | 2,323 |
| Total risk-based capital ratio | 16.5472% | 2,668 |
| Memoranda: | ||
| Average total assets | $136,036,250 | 3,599 |
| Average earning assets | $126,715,250 | 3,586 |
| Average equity | $23,610,250 | 2,774 |
| Average total loans | $80,239,750 | 3,693 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9099% | 5,366 |
| Cost of funding earning assets | 1.0951% | 295 |
| Net interest margin | 1.8148% | 5,489 |
| Noninterest income to average assets | 30.6338% | 31 |
| Noninterest expense to average assets | 25.3806% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 6.9217% | 27 |
| Return on assets (ROA) | 6.9217% | 27 |
| Pretax return on assets | 6.9420% | 34 |
| Return on Equity (ROE) | 41.0729% | 18 |
| Retained earnings to average equity (ytd only) | 19.5688% | 74 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5227% | 1,160 |
| Assets per employee ($millions) | 1.4762% | 5,476 |
| Cash dividends to net income (ytd only)* | 52.3560% | 1,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3418% | 5,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 61.2370% | 3,678 |
| Net loans and leases to deposits | 82.5063% | 2,712 |
| Net loans and leases to core deposits | 164.5737% | 67 |
| Total domestic deposits to total assets | 74.2210% | 5,021 |
| Equity capital to assets | 17.9450% | 329 |
| Core capital (leverage) ratio | 17.6938% | 333 |
| Tier 1 risk-based capital ratio | 15.4869% | 2,642 |
| Total risk-based capital ratio | 15.7006% | 3,050 |
| Memoranda: | ||
| Average total assets | $137,971,670 | 3,597 |
| Average earning assets | $128,388,330 | 3,578 |
| Average equity | $23,251,330 | 2,817 |
| Average total loans | $79,162,670 | 3,730 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7436% | 5,471 |
| Cost of funding earning assets | 0.9840% | 397 |
| Net interest margin | 1.7596% | 5,561 |
| Noninterest income to average assets | 30.6555% | 31 |
| Noninterest expense to average assets | 24.3508% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 7.9186% | 21 |
| Return on assets (ROA) | 7.9186% | 21 |
| Pretax return on assets | 7.9385% | 28 |
| Return on Equity (ROE) | 48.4743% | 11 |
| Retained earnings to average equity (ytd only) | 48.4743% | 4 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4143% | 1,689 |
| Assets per employee ($millions) | 1.5841% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3607% | 5,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 54.6654% | 4,231 |
| Net loans and leases to deposits | 71.3320% | 3,673 |
| Net loans and leases to core deposits | 152.8075% | 106 |
| Total domestic deposits to total assets | 76.6351% | 4,905 |
| Equity capital to assets | 17.2699% | 377 |
| Core capital (leverage) ratio | 17.5737% | 335 |
| Tier 1 risk-based capital ratio | 15.9293% | 2,510 |
| Total risk-based capital ratio | 16.1492% | 2,851 |
| Memoranda: | ||
| Average total assets | $140,529,500 | 3,594 |
| Average earning assets | $130,485,500 | 3,582 |
| Average equity | $22,956,500 | 2,869 |
| Average total loans | $77,926,000 | 3,780 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4393% | 5,570 |
| Cost of funding earning assets | 0.6462% | 1,319 |
| Net interest margin | 1.7930% | 5,597 |
| Noninterest income to average assets | 26.6837% | 33 |
| Noninterest expense to average assets | 23.9567% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 4.3876% | 42 |
| Return on assets (ROA) | 4.3876% | 41 |
| Pretax return on assets | 4.4146% | 58 |
| Return on Equity (ROE) | 27.8444% | 45 |
| Retained earnings to average equity (ytd only) | 3.9456% | 2,831 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4399% | 739 |
| Assets per employee ($millions) | 1.5739% | 5,599 |
| Cash dividends to net income (ytd only)* | 85.8300% | 640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3554% | 5,525 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 55.8448% | 4,205 |
| Net loans and leases to deposits | 70.7455% | 3,811 |
| Net loans and leases to core deposits | 154.3336% | 113 |
| Total domestic deposits to total assets | 78.9376% | 4,559 |
| Equity capital to assets | 15.3954% | 603 |
| Core capital (leverage) ratio | 14.8551% | 645 |
| Tier 1 risk-based capital ratio | 13.9149% | 3,410 |
| Total risk-based capital ratio | 14.1317% | 3,879 |
| Memoranda: | ||
| Average total assets | $140,737,400 | 3,603 |
| Average earning assets | $132,456,600 | 3,559 |
| Average equity | $22,176,800 | 2,940 |
| Average total loans | $73,847,400 | 3,876 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3813% | 5,646 |
| Cost of funding earning assets | 0.5614% | 1,796 |
| Net interest margin | 1.8199% | 5,668 |
| Noninterest income to average assets | 26.0219% | 36 |
| Noninterest expense to average assets | 22.7214% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 5.0028% | 39 |
| Return on assets (ROA) | 5.0028% | 39 |
| Pretax return on assets | 5.0151% | 53 |
| Return on Equity (ROE) | 31.5685% | 27 |
| Retained earnings to average equity (ytd only) | 19.6266% | 53 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9187% | 924 |
| Assets per employee ($millions) | 1.6946% | 5,657 |
| Cash dividends to net income (ytd only)* | 37.8286% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3790% | 5,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 50.3208% | 4,675 |
| Net loans and leases to deposits | 62.6940% | 4,461 |
| Net loans and leases to core deposits | 145.6591% | 151 |
| Total domestic deposits to total assets | 80.2642% | 4,267 |
| Equity capital to assets | 16.4525% | 489 |
| Core capital (leverage) ratio | 16.4924% | 431 |
| Tier 1 risk-based capital ratio | 14.8870% | 2,964 |
| Total risk-based capital ratio | 15.0919% | 3,447 |
| Memoranda: | ||
| Average total assets | $140,903,250 | 3,639 |
| Average earning assets | $132,752,250 | 3,591 |
| Average equity | $22,329,750 | 2,941 |
| Average total loans | $72,683,500 | 3,934 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3382% | 5,698 |
| Cost of funding earning assets | 0.4628% | 2,474 |
| Net interest margin | 1.8754% | 5,714 |
| Noninterest income to average assets | 25.9396% | 37 |
| Noninterest expense to average assets | 22.7464% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 4.9522% | 44 |
| Return on assets (ROA) | 4.9522% | 43 |
| Pretax return on assets | 4.9622% | 53 |
| Return on Equity (ROE) | 31.6703% | 31 |
| Retained earnings to average equity (ytd only) | 13.3054% | 231 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0914% | 998 |
| Assets per employee ($millions) | 1.7368% | 5,702 |
| Cash dividends to net income (ytd only)* | 57.9878% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4087% | 5,606 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 46.0456% | 4,950 |
| Net loans and leases to deposits | 58.0240% | 4,746 |
| Net loans and leases to core deposits | 148.3588% | 135 |
| Total domestic deposits to total assets | 79.3561% | 4,543 |
| Equity capital to assets | 14.9961% | 703 |
| Core capital (leverage) ratio | 15.2859% | 581 |
| Tier 1 risk-based capital ratio | 13.8294% | 3,518 |
| Total risk-based capital ratio | 14.0355% | 4,038 |
| Memoranda: | ||
| Average total assets | $139,292,670 | 3,678 |
| Average earning assets | $131,384,000 | 3,626 |
| Average equity | $21,780,670 | 3,002 |
| Average total loans | $72,373,330 | 3,965 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3367% | 5,760 |
| Cost of funding earning assets | 0.4041% | 2,955 |
| Net interest margin | 1.9326% | 5,764 |
| Noninterest income to average assets | 26.2487% | 36 |
| Noninterest expense to average assets | 22.6638% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 5.3906% | 38 |
| Return on assets (ROA) | 5.3906% | 38 |
| Pretax return on assets | 5.4114% | 56 |
| Return on Equity (ROE) | 33.7199% | 29 |
| Retained earnings to average equity (ytd only) | 33.7199% | 19 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7254% | 1,293 |
| Assets per employee ($millions) | 1.6943% | 5,769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3753% | 5,703 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 52.6602% | 4,454 |
| Net loans and leases to deposits | 66.3364% | 4,145 |
| Net loans and leases to core deposits | 165.6363% | 70 |
| Total domestic deposits to total assets | 79.3835% | 4,745 |
| Equity capital to assets | 16.0080% | 497 |
| Core capital (leverage) ratio | 17.2796% | 343 |
| Tier 1 risk-based capital ratio | 14.7736% | 3,081 |
| Total risk-based capital ratio | 14.9882% | 3,546 |
| Memoranda: | ||
| Average total assets | $135,123,000 | 3,770 |
| Average earning assets | $127,700,500 | 3,707 |
| Average equity | $21,601,500 | 3,020 |
| Average total loans | $74,431,500 | 3,938 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4293% | 5,781 |
| Cost of funding earning assets | 0.3711% | 3,305 |
| Net interest margin | 2.0583% | 5,796 |
| Noninterest income to average assets | 27.3818% | 36 |
| Noninterest expense to average assets | 24.3622% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 4.9270% | 35 |
| Return on assets (ROA) | 4.9270% | 36 |
| Pretax return on assets | 4.9478% | 49 |
| Return on Equity (ROE) | 29.5760% | 39 |
| Retained earnings to average equity (ytd only) | 9.5584% | 484 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1191% | 1,091 |
| Assets per employee ($millions) | 1.5807% | 5,835 |
| Cash dividends to net income (ytd only)* | 67.6819% | 1,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3744% | 5,753 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 57.2838% | 4,141 |
| Net loans and leases to deposits | 72.1537% | 3,701 |
| Net loans and leases to core deposits | 176.7749% | 52 |
| Total domestic deposits to total assets | 79.3914% | 4,699 |
| Equity capital to assets | 15.9633% | 501 |
| Core capital (leverage) ratio | 16.4635% | 403 |
| Tier 1 risk-based capital ratio | 14.6248% | 3,134 |
| Total risk-based capital ratio | 14.8559% | 3,607 |
| Memoranda: | ||
| Average total assets | $119,952,000 | 3,999 |
| Average earning assets | $112,375,800 | 3,964 |
| Average equity | $19,982,400 | 3,173 |
| Average total loans | $70,364,200 | 4,039 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4505% | 5,834 |
| Cost of funding earning assets | 0.3523% | 3,511 |
| Net interest margin | 2.0982% | 5,850 |
| Noninterest income to average assets | 27.5358% | 35 |
| Noninterest expense to average assets | 24.1701% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 5.3043% | 31 |
| Return on assets (ROA) | 5.3043% | 32 |
| Pretax return on assets | 5.3248% | 47 |
| Return on Equity (ROE) | 31.4791% | 30 |
| Retained earnings to average equity (ytd only) | 11.2829% | 390 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9468% | 1,197 |
| Assets per employee ($millions) | 1.5633% | 5,907 |
| Cash dividends to net income (ytd only)* | 64.1574% | 1,259 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4008% | 5,798 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 55.4332% | 4,368 |
| Net loans and leases to deposits | 68.7850% | 4,086 |
| Net loans and leases to core deposits | 166.2040% | 70 |
| Total domestic deposits to total assets | 80.5891% | 4,358 |
| Equity capital to assets | 16.3572% | 504 |
| Core capital (leverage) ratio | 17.0848% | 361 |
| Tier 1 risk-based capital ratio | 15.9109% | 2,663 |
| Total risk-based capital ratio | 16.1684% | 3,018 |
| Memoranda: | ||
| Average total assets | $117,536,000 | 4,061 |
| Average earning assets | $109,742,000 | 4,029 |
| Average equity | $19,805,250 | 3,212 |
| Average total loans | $69,323,250 | 4,093 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4385% | 5,917 |
| Cost of funding earning assets | 0.3187% | 3,911 |
| Net interest margin | 2.1198% | 5,926 |
| Noninterest income to average assets | 27.8874% | 34 |
| Noninterest expense to average assets | 23.9301% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 5.9256% | 25 |
| Return on assets (ROA) | 5.9256% | 26 |
| Pretax return on assets | 5.9464% | 42 |
| Return on Equity (ROE) | 34.7968% | 29 |
| Retained earnings to average equity (ytd only) | 14.3761% | 165 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0966% | 1,485 |
| Assets per employee ($millions) | 1.5574% | 5,983 |
| Cash dividends to net income (ytd only)* | 58.6854% | 1,582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3830% | 5,894 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 59.7423% | 3,917 |
| Net loans and leases to deposits | 76.5826% | 3,317 |
| Net loans and leases to core deposits | 194.8922% | 49 |
| Total domestic deposits to total assets | 78.0103% | 4,999 |
| Equity capital to assets | 16.6199% | 476 |
| Core capital (leverage) ratio | 16.9791% | 369 |
| Tier 1 risk-based capital ratio | 14.3954% | 3,381 |
| Total risk-based capital ratio | 14.6314% | 3,881 |
| Memoranda: | ||
| Average total assets | $115,026,670 | 4,139 |
| Average earning assets | $107,933,000 | 4,097 |
| Average equity | $19,588,000 | 3,242 |
| Average total loans | $69,229,000 | 4,107 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4591% | 5,980 |
| Cost of funding earning assets | 0.2643% | 4,556 |
| Net interest margin | 2.1948% | 5,966 |
| Noninterest income to average assets | 29.0333% | 31 |
| Noninterest expense to average assets | 23.8599% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 7.2020% | 27 |
| Return on assets (ROA) | 7.2020% | 26 |
| Pretax return on assets | 7.2235% | 35 |
| Return on Equity (ROE) | 41.7472% | 28 |
| Retained earnings to average equity (ytd only) | 21.0084% | 74 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7610% | 2,070 |
| Assets per employee ($millions) | 1.4924% | 6,051 |
| Cash dividends to net income (ytd only)* | 49.6771% | 1,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4119% | 5,938 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 59.4758% | 3,853 |
| Net loans and leases to deposits | 76.8007% | 3,128 |
| Net loans and leases to core deposits | 204.0316% | 41 |
| Total domestic deposits to total assets | 77.4417% | 5,226 |
| Equity capital to assets | 17.4510% | 382 |
| Core capital (leverage) ratio | 18.2706% | 277 |
| Tier 1 risk-based capital ratio | 16.5154% | 2,474 |
| Total risk-based capital ratio | 16.7857% | 2,830 |
| Memoranda: | ||
| Average total assets | $111,802,500 | 4,224 |
| Average earning assets | $104,426,500 | 4,202 |
| Average equity | $19,287,500 | 3,275 |
| Average total loans | $67,418,000 | 4,181 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4634% | 6,007 |
| Cost of funding earning assets | 0.2159% | 5,134 |
| Net interest margin | 2.2475% | 5,973 |
| Noninterest income to average assets | 29.0982% | 30 |
| Noninterest expense to average assets | 24.7042% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 6.4454% | 31 |
| Return on assets (ROA) | 6.4454% | 30 |
| Pretax return on assets | 6.4652% | 38 |
| Return on Equity (ROE) | 37.5016% | 32 |
| Retained earnings to average equity (ytd only) | 7.3336% | 1,154 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2578% | 1,785 |
| Assets per employee ($millions) | 1.4497% | 6,110 |
| Cash dividends to net income (ytd only)* | 80.4446% | 867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4158% | 5,985 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 60.6440% | 3,748 |
| Net loans and leases to deposits | 77.4071% | 3,114 |
| Net loans and leases to core deposits | 211.0855% | 40 |
| Total domestic deposits to total assets | 78.3443% | 5,096 |
| Equity capital to assets | 17.0459% | 406 |
| Core capital (leverage) ratio | 17.1685% | 345 |
| Tier 1 risk-based capital ratio | 14.7659% | 3,294 |
| Total risk-based capital ratio | 15.0206% | 3,775 |
| Memoranda: | ||
| Average total assets | $106,075,200 | 4,331 |
| Average earning assets | $97,753,000 | 4,343 |
| Average equity | $18,231,200 | 3,350 |
| Average total loans | $63,003,600 | 4,292 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4485% | 6,107 |
| Cost of funding earning assets | 0.2154% | 5,226 |
| Net interest margin | 2.2330% | 6,066 |
| Noninterest income to average assets | 28.9305% | 31 |
| Noninterest expense to average assets | 24.4400% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 6.5174% | 33 |
| Return on assets (ROA) | 6.5174% | 33 |
| Pretax return on assets | 6.5428% | 36 |
| Return on Equity (ROE) | 37.8390% | 27 |
| Retained earnings to average equity (ytd only) | 15.7325% | 139 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8825% | 1,827 |
| Assets per employee ($millions) | 1.4864% | 6,195 |
| Cash dividends to net income (ytd only)* | 58.4226% | 1,494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4334% | 6,066 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 57.5008% | 4,198 |
| Net loans and leases to deposits | 73.0552% | 3,645 |
| Net loans and leases to core deposits | 193.5185% | 47 |
| Total domestic deposits to total assets | 78.7087% | 5,050 |
| Equity capital to assets | 17.5625% | 381 |
| Core capital (leverage) ratio | 19.0979% | 236 |
| Tier 1 risk-based capital ratio | 16.0549% | 2,772 |
| Total risk-based capital ratio | 16.3190% | 3,199 |
| Memoranda: | ||
| Average total assets | $105,049,250 | 4,402 |
| Average earning assets | $96,548,000 | 4,425 |
| Average equity | $18,093,750 | 3,397 |
| Average total loans | $61,980,500 | 4,364 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4611% | 6,176 |
| Cost of funding earning assets | 0.2199% | 5,255 |
| Net interest margin | 2.2412% | 6,129 |
| Noninterest income to average assets | 29.2542% | 33 |
| Noninterest expense to average assets | 24.9317% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 6.3573% | 36 |
| Return on assets (ROA) | 6.3573% | 36 |
| Pretax return on assets | 6.3826% | 45 |
| Return on Equity (ROE) | 37.1733% | 31 |
| Retained earnings to average equity (ytd only) | 3.0798% | 4,084 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6177% | 1,810 |
| Assets per employee ($millions) | 1.3574% | 6,281 |
| Cash dividends to net income (ytd only)* | 91.7151% | 675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4194% | 6,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 66.8476% | 2,807 |
| Net loans and leases to deposits | 88.2165% | 1,807 |
| Net loans and leases to core deposits | 193.9508% | 49 |
| Total domestic deposits to total assets | 75.7768% | 5,621 |
| Equity capital to assets | 17.8775% | 348 |
| Core capital (leverage) ratio | 17.5176% | 328 |
| Tier 1 risk-based capital ratio | 14.5110% | 3,631 |
| Total risk-based capital ratio | 14.7715% | 4,142 |
| Memoranda: | ||
| Average total assets | $102,905,000 | 4,493 |
| Average earning assets | $94,591,000 | 4,506 |
| Average equity | $17,598,670 | 3,480 |
| Average total loans | $61,180,000 | 4,433 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2579% | 6,295 |
| Cost of funding earning assets | 0.2250% | 5,270 |
| Net interest margin | 2.0329% | 6,264 |
| Noninterest income to average assets | 28.3517% | 33 |
| Noninterest expense to average assets | 23.7530% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 6.4611% | 36 |
| Return on assets (ROA) | 6.4611% | 37 |
| Pretax return on assets | 6.4611% | 46 |
| Return on Equity (ROE) | 38.6078% | 36 |
| Retained earnings to average equity (ytd only) | 4.4012% | 3,384 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6156% | 2,101 |
| Assets per employee ($millions) | 1.4394% | 6,342 |
| Cash dividends to net income (ytd only)* | 88.6001% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4546% | 6,200 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 58.1416% | 3,925 |
| Net loans and leases to deposits | 74.5676% | 3,225 |
| Net loans and leases to core deposits | 177.8677% | 59 |
| Total domestic deposits to total assets | 77.9716% | 5,458 |
| Equity capital to assets | 16.7847% | 459 |
| Core capital (leverage) ratio | 16.6006% | 404 |
| Tier 1 risk-based capital ratio | 16.4636% | 2,697 |
| Total risk-based capital ratio | 16.7605% | 3,080 |
| Memoranda: | ||
| Average total assets | $104,812,000 | 4,481 |
| Average earning assets | $96,019,500 | 4,507 |
| Average equity | $17,540,500 | 3,512 |
| Average total loans | $58,510,500 | 4,530 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1600% | 6,406 |
| Cost of funding earning assets | 0.2215% | 5,584 |
| Net interest margin | 1.9385% | 6,383 |
| Noninterest income to average assets | 26.5644% | 31 |
| Noninterest expense to average assets | 23.6322% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 4.7231% | 46 |
| Return on assets (ROA) | 4.7231% | 45 |
| Pretax return on assets | 4.7231% | 59 |
| Return on Equity (ROE) | 26.8182% | 80 |
| Retained earnings to average equity (ytd only) | -7.8237% | 6,266 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3433% | 1,486 |
| Assets per employee ($millions) | 1.4321% | 6,433 |
| Cash dividends to net income (ytd only)* | 129.1733% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5014% | 6,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 52.9614% | 4,690 |
| Net loans and leases to deposits | 67.3417% | 4,189 |
| Net loans and leases to core deposits | 163.8475% | 72 |
| Total domestic deposits to total assets | 78.6458% | 5,320 |
| Equity capital to assets | 16.6855% | 456 |
| Core capital (leverage) ratio | 16.4885% | 415 |
| Tier 1 risk-based capital ratio | 16.6157% | 2,665 |
| Total risk-based capital ratio | 16.9186% | 3,074 |
| Memoranda: | ||
| Average total assets | $106,541,000 | 4,444 |
| Average earning assets | $98,425,000 | 4,440 |
| Average equity | $18,763,400 | 3,315 |
| Average total loans | $54,637,000 | 4,665 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1448% | 6,487 |
| Cost of funding earning assets | 0.2195% | 5,675 |
| Net interest margin | 1.9254% | 6,466 |
| Noninterest income to average assets | 25.2498% | 32 |
| Noninterest expense to average assets | 21.5341% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 5.4969% | 39 |
| Return on assets (ROA) | 5.4969% | 37 |
| Pretax return on assets | 5.4969% | 53 |
| Return on Equity (ROE) | 30.8164% | 54 |
| Retained earnings to average equity (ytd only) | -14.5737% | 6,442 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6645% | 1,965 |
| Assets per employee ($millions) | 1.4723% | 6,510 |
| Cash dividends to net income (ytd only)* | 147.2922% | 140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5181% | 6,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 49.1712% | 5,095 |
| Net loans and leases to deposits | 60.2465% | 4,916 |
| Net loans and leases to core deposits | 145.9278% | 122 |
| Total domestic deposits to total assets | 81.6167% | 4,625 |
| Equity capital to assets | 15.4426% | 642 |
| Core capital (leverage) ratio | 14.3011% | 769 |
| Tier 1 risk-based capital ratio | 15.4706% | 3,343 |
| Total risk-based capital ratio | 15.7556% | 3,821 |
| Memoranda: | ||
| Average total assets | $107,039,750 | 4,477 |
| Average earning assets | $99,027,000 | 4,460 |
| Average equity | $19,093,250 | 3,287 |
| Average total loans | $54,384,250 | 4,716 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1711% | 6,553 |
| Cost of funding earning assets | 0.2094% | 5,832 |
| Net interest margin | 1.9617% | 6,530 |
| Noninterest income to average assets | 25.2307% | 32 |
| Noninterest expense to average assets | 20.0372% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 7.0074% | 29 |
| Return on assets (ROA) | 7.0074% | 28 |
| Pretax return on assets | 7.0074% | 39 |
| Return on Equity (ROE) | 37.5630% | 34 |
| Retained earnings to average equity (ytd only) | 22.4491% | 60 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0895% | 2,963 |
| Assets per employee ($millions) | 1.5018% | 6,575 |
| Cash dividends to net income (ytd only)* | 40.2361% | 2,389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5105% | 6,399 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 50.9950% | 4,861 |
| Net loans and leases to deposits | 67.1151% | 4,151 |
| Net loans and leases to core deposits | 150.4343% | 98 |
| Total domestic deposits to total assets | 75.9814% | 5,914 |
| Equity capital to assets | 19.8256% | 226 |
| Core capital (leverage) ratio | 20.4015% | 188 |
| Tier 1 risk-based capital ratio | 19.9928% | 1,688 |
| Total risk-based capital ratio | 20.2860% | 1,878 |
| Memoranda: | ||
| Average total assets | $106,402,330 | 4,524 |
| Average earning assets | $98,382,670 | 4,514 |
| Average equity | $19,849,330 | 3,187 |
| Average total loans | $54,561,670 | 4,732 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1310% | 6,634 |
| Cost of funding earning assets | 0.2115% | 5,906 |
| Net interest margin | 1.9195% | 6,612 |
| Noninterest income to average assets | 25.2445% | 32 |
| Noninterest expense to average assets | 19.1742% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 7.8466% | 27 |
| Return on assets (ROA) | 7.8466% | 27 |
| Pretax return on assets | 7.8466% | 37 |
| Return on Equity (ROE) | 43.4285% | 27 |
| Retained earnings to average equity (ytd only) | 12.1850% | 583 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9610% | 3,658 |
| Assets per employee ($millions) | 1.5110% | 6,641 |
| Cash dividends to net income (ytd only)* | 71.9424% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5120% | 6,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 50.5285% | 4,847 |
| Net loans and leases to deposits | 64.6839% | 4,246 |
| Net loans and leases to core deposits | 144.7503% | 111 |
| Total domestic deposits to total assets | 78.1160% | 5,820 |
| Equity capital to assets | 18.1733% | 316 |
| Core capital (leverage) ratio | 18.4322% | 283 |
| Tier 1 risk-based capital ratio | 17.8014% | 2,376 |
| Total risk-based capital ratio | 18.0845% | 2,722 |
| Memoranda: | ||
| Average total assets | $106,288,500 | 4,580 |
| Average earning assets | $98,357,500 | 4,553 |
| Average equity | $19,204,000 | 3,256 |
| Average total loans | $54,515,000 | 4,772 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4298% | 6,635 |
| Cost of funding earning assets | 0.2295% | 6,106 |
| Net interest margin | 2.2003% | 6,580 |
| Noninterest income to average assets | 22.1132% | 35 |
| Noninterest expense to average assets | 21.3255% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.8228% | 124 |
| Return on assets (ROA) | 2.8228% | 125 |
| Pretax return on assets | 2.8228% | 141 |
| Return on Equity (ROE) | 15.0234% | 760 |
| Retained earnings to average equity (ytd only) | 3.3115% | 3,878 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3105% | 1,183 |
| Assets per employee ($millions) | 1.5042% | 6,722 |
| Cash dividends to net income (ytd only)* | 77.9579% | 996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5115% | 6,561 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 51.5352% | 4,915 |
| Net loans and leases to deposits | 65.8707% | 4,310 |
| Net loans and leases to core deposits | 156.8023% | 78 |
| Total domestic deposits to total assets | 78.2369% | 5,792 |
| Equity capital to assets | 17.9604% | 324 |
| Core capital (leverage) ratio | 17.5537% | 327 |
| Tier 1 risk-based capital ratio | 17.5237% | 2,405 |
| Total risk-based capital ratio | 17.8109% | 2,791 |
| Memoranda: | ||
| Average total assets | $102,698,800 | 4,677 |
| Average earning assets | $94,985,600 | 4,650 |
| Average equity | $19,296,600 | 3,248 |
| Average total loans | $58,230,600 | 4,679 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4843% | 6,699 |
| Cost of funding earning assets | 0.2319% | 6,209 |
| Net interest margin | 2.2524% | 6,614 |
| Noninterest income to average assets | 21.8710% | 33 |
| Noninterest expense to average assets | 19.8642% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 4.0881% | 58 |
| Return on assets (ROA) | 4.0881% | 61 |
| Pretax return on assets | 4.0881% | 76 |
| Return on Equity (ROE) | 21.5124% | 224 |
| Retained earnings to average equity (ytd only) | 14.9122% | 206 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9324% | 1,715 |
| Assets per employee ($millions) | 1.6169% | 6,781 |
| Cash dividends to net income (ytd only)* | 30.6807% | 2,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5042% | 6,653 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 50.8197% | 5,030 |
| Net loans and leases to deposits | 64.5125% | 4,464 |
| Net loans and leases to core deposits | 139.8385% | 122 |
| Total domestic deposits to total assets | 78.7750% | 5,790 |
| Equity capital to assets | 18.8701% | 268 |
| Core capital (leverage) ratio | 19.4478% | 217 |
| Tier 1 risk-based capital ratio | 18.6402% | 2,100 |
| Total risk-based capital ratio | 18.9165% | 2,421 |
| Memoranda: | ||
| Average total assets | $102,050,250 | 4,736 |
| Average earning assets | $94,295,500 | 4,724 |
| Average equity | $19,393,000 | 3,260 |
| Average total loans | $59,152,750 | 4,673 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5465% | 6,719 |
| Cost of funding earning assets | 0.2319% | 6,291 |
| Net interest margin | 2.3146% | 6,609 |
| Noninterest income to average assets | 21.6053% | 35 |
| Noninterest expense to average assets | 19.3103% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 4.4319% | 47 |
| Return on assets (ROA) | 4.4319% | 48 |
| Pretax return on assets | 4.4319% | 70 |
| Return on Equity (ROE) | 23.2627% | 166 |
| Retained earnings to average equity (ytd only) | 13.1805% | 361 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3332% | 1,986 |
| Assets per employee ($millions) | 1.5568% | 6,838 |
| Cash dividends to net income (ytd only)* | 43.3409% | 2,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4628% | 6,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 58.4017% | 3,925 |
| Net loans and leases to deposits | 75.1644% | 2,996 |
| Net loans and leases to core deposits | 161.4714% | 69 |
| Total domestic deposits to total assets | 77.6986% | 6,028 |
| Equity capital to assets | 19.0059% | 256 |
| Core capital (leverage) ratio | 18.7070% | 243 |
| Tier 1 risk-based capital ratio | 18.7988% | 2,046 |
| Total risk-based capital ratio | 19.0905% | 2,342 |
| Memoranda: | ||
| Average total assets | $99,957,000 | 4,815 |
| Average earning assets | $92,284,000 | 4,790 |
| Average equity | $19,043,330 | 3,326 |
| Average total loans | $60,426,330 | 4,660 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5426% | 6,800 |
| Cost of funding earning assets | 0.2287% | 6,421 |
| Net interest margin | 2.3139% | 6,679 |
| Noninterest income to average assets | 21.2780% | 35 |
| Noninterest expense to average assets | 19.1270% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 4.2856% | 51 |
| Return on assets (ROA) | 4.2856% | 54 |
| Pretax return on assets | 4.2856% | 76 |
| Return on Equity (ROE) | 22.4669% | 179 |
| Retained earnings to average equity (ytd only) | 22.4669% | 90 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6953% | 2,082 |
| Assets per employee ($millions) | 1.5945% | 6,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4709% | 6,813 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 56.0342% | 4,072 |
| Net loans and leases to deposits | 71.1003% | 3,312 |
| Net loans and leases to core deposits | 150.8339% | 92 |
| Total domestic deposits to total assets | 78.8101% | 5,993 |
| Equity capital to assets | 18.3676% | 309 |
| Core capital (leverage) ratio | 19.6355% | 210 |
| Tier 1 risk-based capital ratio | 18.1105% | 2,314 |
| Total risk-based capital ratio | 18.3944% | 2,665 |
| Memoranda: | ||
| Average total assets | $98,562,000 | 4,897 |
| Average earning assets | $90,929,500 | 4,868 |
| Average equity | $18,801,000 | 3,402 |
| Average total loans | $60,497,000 | 4,690 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5433% | 6,923 |
| Cost of funding earning assets | 0.2964% | 6,473 |
| Net interest margin | 2.2469% | 6,861 |
| Noninterest income to average assets | 18.5215% | 44 |
| Noninterest expense to average assets | 18.3195% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 2.2732% | 218 |
| Return on assets (ROA) | 2.2732% | 239 |
| Pretax return on assets | 2.2732% | 348 |
| Return on Equity (ROE) | 12.8491% | 1,271 |
| Retained earnings to average equity (ytd only) | -2.0735% | 6,167 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9614% | 1,149 |
| Assets per employee ($millions) | 1.3923% | 6,999 |
| Cash dividends to net income (ytd only)* | 116.1369% | 346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4518% | 6,867 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 66.8941% | 2,383 |
| Net loans and leases to deposits | 86.8795% | 1,398 |
| Net loans and leases to core deposits | 162.3630% | 74 |
| Total domestic deposits to total assets | 76.9964% | 6,222 |
| Equity capital to assets | 19.8857% | 230 |
| Core capital (leverage) ratio | 18.7066% | 245 |
| Tier 1 risk-based capital ratio | 20.4216% | 1,580 |
| Total risk-based capital ratio | 20.7602% | 1,778 |
| Memoranda: | ||
| Average total assets | $107,955,800 | 4,640 |
| Average earning assets | $99,516,400 | 4,603 |
| Average equity | $19,098,600 | 3,320 |
| Average total loans | $62,397,000 | 4,617 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4740% | 7,056 |
| Cost of funding earning assets | 0.3136% | 6,543 |
| Net interest margin | 2.1604% | 6,997 |
| Noninterest income to average assets | 17.8254% | 46 |
| Noninterest expense to average assets | 16.7609% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 3.0578% | 102 |
| Return on assets (ROA) | 3.0578% | 108 |
| Pretax return on assets | 3.0578% | 147 |
| Return on Equity (ROE) | 17.7359% | 533 |
| Retained earnings to average equity (ytd only) | 11.8654% | 553 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5710% | 1,523 |
| Assets per employee ($millions) | 1.5433% | 7,080 |
| Cash dividends to net income (ytd only)* | 33.0999% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4577% | 6,978 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 59.5706% | 3,862 |
| Net loans and leases to deposits | 76.3149% | 2,935 |
| Net loans and leases to core deposits | 150.7191% | 109 |
| Total domestic deposits to total assets | 78.0589% | 6,063 |
| Equity capital to assets | 20.0139% | 237 |
| Core capital (leverage) ratio | 18.5457% | 269 |
| Tier 1 risk-based capital ratio | 20.8728% | 1,559 |
| Total risk-based capital ratio | 21.1820% | 1,754 |
| Memoranda: | ||
| Average total assets | $111,972,250 | 4,588 |
| Average earning assets | $103,313,750 | 4,560 |
| Average equity | $19,305,000 | 3,318 |
| Average total loans | $62,559,250 | 4,657 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3962% | 7,142 |
| Cost of funding earning assets | 0.3330% | 6,590 |
| Net interest margin | 2.0632% | 7,085 |
| Noninterest income to average assets | 17.0742% | 48 |
| Noninterest expense to average assets | 16.0824% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 2.9044% | 108 |
| Return on assets (ROA) | 2.9044% | 114 |
| Pretax return on assets | 2.9044% | 171 |
| Return on Equity (ROE) | 17.6831% | 542 |
| Retained earnings to average equity (ytd only) | 8.7096% | 1,373 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7032% | 1,562 |
| Assets per employee ($millions) | 1.7158% | 7,117 |
| Cash dividends to net income (ytd only)* | 50.7463% | 1,704 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4334% | 7,062 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 56.6033% | 4,382 |
| Net loans and leases to deposits | 70.1892% | 3,861 |
| Net loans and leases to core deposits | 161.4960% | 86 |
| Total domestic deposits to total assets | 80.6439% | 5,576 |
| Equity capital to assets | 17.2139% | 421 |
| Core capital (leverage) ratio | 17.0883% | 355 |
| Tier 1 risk-based capital ratio | 18.1508% | 2,245 |
| Total risk-based capital ratio | 18.4320% | 2,557 |
| Memoranda: | ||
| Average total assets | $115,343,330 | 4,522 |
| Average earning assets | $106,920,670 | 4,487 |
| Average equity | $18,944,670 | 3,361 |
| Average total loans | $63,093,330 | 4,671 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3473% | 7,202 |
| Cost of funding earning assets | 0.3628% | 6,584 |
| Net interest margin | 1.9845% | 7,169 |
| Noninterest income to average assets | 16.3929% | 46 |
| Noninterest expense to average assets | 15.3069% | 50 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.9280% | 111 |
| Return on assets (ROA) | 2.9280% | 134 |
| Pretax return on assets | 2.9280% | 199 |
| Return on Equity (ROE) | 18.2539% | 521 |
| Retained earnings to average equity (ytd only) | 0.0428% | 5,961 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9427% | 1,693 |
| Assets per employee ($millions) | 1.8949% | 7,157 |
| Cash dividends to net income (ytd only)* | 99.7653% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4539% | 7,103 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 48.9254% | 5,440 |
| Net loans and leases to deposits | 58.8244% | 5,289 |
| Net loans and leases to core deposits | 146.7092% | 119 |
| Total domestic deposits to total assets | 83.1718% | 4,855 |
| Equity capital to assets | 14.9292% | 763 |
| Core capital (leverage) ratio | 15.9332% | 471 |
| Tier 1 risk-based capital ratio | 15.5680% | 3,403 |
| Total risk-based capital ratio | 15.8198% | 4,005 |
| Memoranda: | ||
| Average total assets | $116,392,000 | 4,531 |
| Average earning assets | $108,037,000 | 4,484 |
| Average equity | $18,670,000 | 3,396 |
| Average total loans | $62,450,000 | 4,716 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9010% | 7,200 |
| Cost of funding earning assets | 0.5066% | 6,500 |
| Net interest margin | 2.3945% | 7,106 |
| Noninterest income to average assets | 17.0374% | 36 |
| Noninterest expense to average assets | 16.9011% | 37 |
| Loan and lease loss provision to assets | -0.4110% | 7,330 |
| Net operating income to assets | 2.7462% | 105 |
| Return on assets (ROA) | 2.7462% | 106 |
| Pretax return on assets | 2.7462% | 154 |
| Return on Equity (ROE) | 15.8656% | 621 |
| Retained earnings to average equity (ytd only) | 7.7709% | 1,165 |
| Net charge-offs to loans | -0.5701% | 7,285 |
| Credit loss provision to net charge-offs | 110.0000% | 3,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8605% | 1,367 |
| Assets per employee ($millions) | 1.6321% | 7,248 |
| Cash dividends to net income (ytd only)* | 51.0204% | 1,998 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4398% | 7,144 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 58.6279% | 4,258 |
| Net loans and leases to deposits | 72.9826% | 3,671 |
| Net loans and leases to core deposits | 143.2031% | 159 |
| Total domestic deposits to total assets | 80.3314% | 5,655 |
| Equity capital to assets | 17.3310% | 411 |
| Core capital (leverage) ratio | 17.7868% | 311 |
| Tier 1 risk-based capital ratio | 17.9698% | 2,194 |
| Total risk-based capital ratio | 18.2605% | 2,551 |
| Memoranda: | ||
| Average total assets | $107,058,400 | 4,704 |
| Average earning assets | $98,310,400 | 4,679 |
| Average equity | $18,530,600 | 3,356 |
| Average total loans | $70,158,000 | 4,485 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9387% | 7,273 |
| Cost of funding earning assets | 0.5464% | 6,527 |
| Net interest margin | 2.3923% | 7,181 |
| Noninterest income to average assets | 17.1557% | 37 |
| Noninterest expense to average assets | 16.1478% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 3.2031% | 83 |
| Return on assets (ROA) | 3.2031% | 84 |
| Pretax return on assets | 3.2031% | 118 |
| Return on Equity (ROE) | 18.5116% | 416 |
| Retained earnings to average equity (ytd only) | 14.9073% | 235 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4472% | 1,798 |
| Assets per employee ($millions) | 1.6026% | 7,324 |
| Cash dividends to net income (ytd only)* | 19.4704% | 2,953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4643% | 7,183 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 66.6732% | 2,750 |
| Net loans and leases to deposits | 84.4758% | 1,922 |
| Net loans and leases to core deposits | 154.4319% | 125 |
| Total domestic deposits to total assets | 78.9258% | 6,004 |
| Equity capital to assets | 18.8142% | 326 |
| Core capital (leverage) ratio | 18.0782% | 319 |
| Tier 1 risk-based capital ratio | 19.3339% | 1,850 |
| Total risk-based capital ratio | 19.6535% | 2,084 |
| Memoranda: | ||
| Average total assets | $106,893,000 | 4,737 |
| Average earning assets | $98,090,750 | 4,716 |
| Average equity | $18,496,000 | 3,352 |
| Average total loans | $71,839,250 | 4,464 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9192% | 7,357 |
| Cost of funding earning assets | 0.5766% | 6,554 |
| Net interest margin | 2.3426% | 7,264 |
| Noninterest income to average assets | 16.7591% | 40 |
| Noninterest expense to average assets | 15.5296% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 3.3821% | 86 |
| Return on assets (ROA) | 3.3821% | 86 |
| Pretax return on assets | 3.3821% | 118 |
| Return on Equity (ROE) | 20.0998% | 304 |
| Retained earnings to average equity (ytd only) | 20.0998% | 90 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1164% | 2,086 |
| Assets per employee ($millions) | 1.7231% | 7,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4538% | 7,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 63.4491% | 3,590 |
| Net loans and leases to deposits | 79.4773% | 2,892 |
| Net loans and leases to core deposits | 154.4171% | 131 |
| Total domestic deposits to total assets | 79.8330% | 5,875 |
| Equity capital to assets | 17.2843% | 457 |
| Core capital (leverage) ratio | 17.3458% | 378 |
| Tier 1 risk-based capital ratio | 16.2656% | 2,852 |
| Total risk-based capital ratio | 16.5378% | 3,312 |
| Memoranda: | ||
| Average total assets | $108,335,330 | 4,751 |
| Average earning assets | $99,546,330 | 4,716 |
| Average equity | $18,229,000 | 3,382 |
| Average total loans | $72,884,670 | 4,467 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9481% | 7,406 |
| Cost of funding earning assets | 0.5799% | 6,690 |
| Net interest margin | 2.3682% | 7,268 |
| Noninterest income to average assets | 17.0412% | 41 |
| Noninterest expense to average assets | 14.8654% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 4.3516% | 62 |
| Return on assets (ROA) | 4.3516% | 64 |
| Pretax return on assets | 4.3516% | 91 |
| Return on Equity (ROE) | 26.2280% | 135 |
| Retained earnings to average equity (ytd only) | 26.2280% | 85 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3556% | 2,935 |
| Assets per employee ($millions) | 1.7068% | 7,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4375% | 7,327 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 66.4647% | 2,887 |
| Net loans and leases to deposits | 82.1922% | 2,329 |
| Net loans and leases to core deposits | 148.5189% | 153 |
| Total domestic deposits to total assets | 80.8649% | 5,698 |
| Equity capital to assets | 16.8418% | 460 |
| Core capital (leverage) ratio | 17.0537% | 393 |
| Tier 1 risk-based capital ratio | 16.3334% | 2,735 |
| Total risk-based capital ratio | 16.6167% | 3,191 |
| Memoranda: | ||
| Average total assets | $107,363,500 | 4,808 |
| Average earning assets | $98,638,500 | 4,776 |
| Average equity | $17,813,000 | 3,427 |
| Average total loans | $74,182,000 | 4,455 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9873% | 7,496 |
| Cost of funding earning assets | 0.6620% | 6,979 |
| Net interest margin | 2.3253% | 7,354 |
| Noninterest income to average assets | 15.5102% | 47 |
| Noninterest expense to average assets | 15.3896% | 50 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 2.2544% | 168 |
| Return on assets (ROA) | 2.2544% | 175 |
| Pretax return on assets | 2.2544% | 279 |
| Return on Equity (ROE) | 14.5093% | 793 |
| Retained earnings to average equity (ytd only) | 8.6303% | 806 |
| Net charge-offs to loans | 0.4981% | 3,638 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | 6.1546% | 2,427 |
| Efficiency ratio | 87.2230% | 1,548 |
| Assets per employee ($millions) | 1.6483% | 7,527 |
| Cash dividends to net income (ytd only)* | 40.5186% | 2,567 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4228% | 7,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 71.2123% | 2,258 |
| Net loans and leases to deposits | 87.7730% | 1,831 |
| Net loans and leases to core deposits | 158.4794% | 148 |
| Total domestic deposits to total assets | 81.1324% | 5,484 |
| Equity capital to assets | 16.3319% | 538 |
| Core capital (leverage) ratio | 15.7153% | 544 |
| Tier 1 risk-based capital ratio | 15.8192% | 2,830 |
| Total risk-based capital ratio | 16.1121% | 3,288 |
| Memoranda: | ||
| Average total assets | $109,476,200 | 4,731 |
| Average earning assets | $100,459,800 | 4,713 |
| Average equity | $17,009,800 | 3,588 |
| Average total loans | $80,509,000 | 4,329 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9273% | 7,633 |
| Cost of funding earning assets | 0.6615% | 7,154 |
| Net interest margin | 2.2658% | 7,494 |
| Noninterest income to average assets | 15.0743% | 47 |
| Noninterest expense to average assets | 14.4612% | 53 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.6926% | 113 |
| Return on assets (ROA) | 2.6926% | 118 |
| Pretax return on assets | 2.6926% | 174 |
| Return on Equity (ROE) | 17.5440% | 524 |
| Retained earnings to average equity (ytd only) | 17.5440% | 121 |
| Net charge-offs to loans | 0.6538% | 2,795 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 5.5636% | 2,721 |
| Efficiency ratio | 84.3031% | 1,800 |
| Assets per employee ($millions) | 1.7896% | 7,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3993% | 7,537 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 70.5780% | 2,596 |
| Net loans and leases to deposits | 85.4894% | 2,439 |
| Net loans and leases to core deposits | 153.4905% | 174 |
| Total domestic deposits to total assets | 82.5575% | 4,768 |
| Equity capital to assets | 15.9586% | 687 |
| Core capital (leverage) ratio | 16.5110% | 490 |
| Tier 1 risk-based capital ratio | 15.3409% | 3,077 |
| Total risk-based capital ratio | 15.6129% | 3,555 |
| Memoranda: | ||
| Average total assets | $110,472,000 | 4,754 |
| Average earning assets | $101,387,500 | 4,748 |
| Average equity | $16,955,000 | 3,646 |
| Average total loans | $81,775,500 | 4,357 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8980% | 7,717 |
| Cost of funding earning assets | 0.6663% | 7,264 |
| Net interest margin | 2.2316% | 7,567 |
| Noninterest income to average assets | 15.3233% | 44 |
| Noninterest expense to average assets | 14.4884% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.8802% | 94 |
| Return on assets (ROA) | 2.8802% | 95 |
| Pretax return on assets | 2.8802% | 143 |
| Return on Equity (ROE) | 19.0255% | 384 |
| Retained earnings to average equity (ytd only) | 19.0255% | 102 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4173% | 1,987 |
| Assets per employee ($millions) | 1.7459% | 7,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 6,850 |
| Loan loss allowance to noncurrent loans | 89.1089% | 3,052 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 5,655 |
| Noncurrent loans to loans | 0.9780% | 5,352 |
| Net loans and leases to total assets | 74.4563% | 1,817 |
| Net loans and leases to deposits | 90.4888% | 1,774 |
| Net loans and leases to core deposits | 160.5647% | 164 |
| Total domestic deposits to total assets | 82.2823% | 4,874 |
| Equity capital to assets | 15.7657% | 712 |
| Core capital (leverage) ratio | 16.1277% | 550 |
| Tier 1 risk-based capital ratio | 13.9200% | 3,785 |
| Total risk-based capital ratio | 14.4980% | 4,208 |
| Memoranda: | ||
| Average total assets | $109,715,330 | 4,808 |
| Average earning assets | $100,553,670 | 4,791 |
| Average equity | $16,609,330 | 3,699 |
| Average total loans | $82,404,000 | 4,371 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7669% | 7,837 |
| Cost of funding earning assets | 0.6818% | 7,371 |
| Net interest margin | 2.0851% | 7,691 |
| Noninterest income to average assets | 15.5836% | 46 |
| Noninterest expense to average assets | 13.9847% | 53 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.5190% | 62 |
| Return on assets (ROA) | 3.5190% | 65 |
| Pretax return on assets | 3.5190% | 100 |
| Return on Equity (ROE) | 23.7387% | 199 |
| Retained earnings to average equity (ytd only) | 23.7387% | 115 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8957% | 2,581 |
| Assets per employee ($millions) | 1.7419% | 7,770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8831% | 6,892 |
| Loan loss allowance to noncurrent loans | 89.1089% | 3,101 |
| Noncurrent assets plus other real estate owned to assets | 0.7363% | 5,693 |
| Noncurrent loans to loans | 0.9910% | 5,342 |
| Net loans and leases to total assets | 73.6373% | 2,047 |
| Net loans and leases to deposits | 88.6192% | 2,110 |
| Net loans and leases to core deposits | 192.9216% | 107 |
| Total domestic deposits to total assets | 83.0940% | 4,574 |
| Equity capital to assets | 15.2403% | 825 |
| Core capital (leverage) ratio | 15.0682% | 740 |
| Tier 1 risk-based capital ratio | 13.3573% | 4,084 |
| Total risk-based capital ratio | 13.9324% | 4,542 |
| Memoranda: | ||
| Average total assets | $109,577,000 | 4,882 |
| Average earning assets | $100,906,000 | 4,851 |
| Average equity | $16,243,500 | 3,790 |
| Average total loans | $82,298,000 | 4,433 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6513% | 7,903 |
| Cost of funding earning assets | 1.1497% | 6,823 |
| Net interest margin | 1.5017% | 7,866 |
| Noninterest income to average assets | 13.5048% | 54 |
| Noninterest expense to average assets | 13.6477% | 66 |
| Loan and lease loss provision to assets | 0.1466% | 6,190 |
| Net operating income to assets | 1.0974% | 1,516 |
| Return on assets (ROA) | 1.0974% | 1,556 |
| Pretax return on assets | 1.0974% | 2,261 |
| Return on Equity (ROE) | 7.6903% | 2,497 |
| Retained earnings to average equity (ytd only) | 1.3083% | 4,129 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3405% | 1,613 |
| Assets per employee ($millions) | 1.9538% | 7,756 |
| Cash dividends to net income (ytd only)* | 82.9876% | 1,076 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8668% | 6,935 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 75.2614% | 1,978 |
| Net loans and leases to deposits | 89.5512% | 2,290 |
| Net loans and leases to core deposits | 534.3261% | 22 |
| Total domestic deposits to total assets | 84.0429% | 4,008 |
| Equity capital to assets | 14.4061% | 1,050 |
| Core capital (leverage) ratio | 14.5158% | 876 |
| Tier 1 risk-based capital ratio | 12.9591% | 4,169 |
| Total risk-based capital ratio | 13.5510% | 4,643 |
| Memoranda: | ||
| Average total assets | $109,805,800 | 4,826 |
| Average earning assets | $101,420,200 | 4,801 |
| Average equity | $15,669,000 | 3,934 |
| Average total loans | $85,194,000 | 4,351 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5832% | 8,005 |
| Cost of funding earning assets | 1.2844% | 6,603 |
| Net interest margin | 1.2988% | 7,978 |
| Noninterest income to average assets | 13.0231% | 55 |
| Noninterest expense to average assets | 13.0765% | 76 |
| Loan and lease loss provision to assets | 0.0607% | 6,759 |
| Net operating income to assets | 1.0858% | 1,781 |
| Return on assets (ROA) | 1.0858% | 1,836 |
| Pretax return on assets | 1.0858% | 2,624 |
| Return on Equity (ROE) | 7.6270% | 2,806 |
| Retained earnings to average equity (ytd only) | -0.8948% | 5,464 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5131% | 1,578 |
| Assets per employee ($millions) | 1.9217% | 7,846 |
| Cash dividends to net income (ytd only)* | 111.7322% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7005% | 7,368 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 80.0922% | 1,149 |
| Net loans and leases to deposits | 94.8697% | 1,738 |
| Net loans and leases to core deposits | 571.8304% | 20 |
| Total domestic deposits to total assets | 84.4233% | 3,519 |
| Equity capital to assets | 14.3575% | 1,187 |
| Core capital (leverage) ratio | 14.2580% | 1,017 |
| Tier 1 risk-based capital ratio | 13.3770% | 3,946 |
| Total risk-based capital ratio | 13.9034% | 4,384 |
| Memoranda: | ||
| Average total assets | $109,904,250 | 4,852 |
| Average earning assets | $101,524,750 | 4,831 |
| Average equity | $15,645,750 | 3,976 |
| Average total loans | $85,726,250 | 4,374 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4634% | 8,104 |
| Cost of funding earning assets | 1.3965% | 6,494 |
| Net interest margin | 1.0669% | 8,092 |
| Noninterest income to average assets | 12.7265% | 57 |
| Noninterest expense to average assets | 13.1078% | 80 |
| Loan and lease loss provision to assets | 0.0904% | 6,267 |
| Net operating income to assets | 0.5169% | 4,028 |
| Return on assets (ROA) | 0.5169% | 4,141 |
| Pretax return on assets | 0.5169% | 4,563 |
| Return on Equity (ROE) | 3.6408% | 4,651 |
| Retained earnings to average equity (ytd only) | 3.6408% | 3,275 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9137% | 1,447 |
| Assets per employee ($millions) | 1.9700% | 7,874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7040% | 7,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 77.7332% | 1,809 |
| Net loans and leases to deposits | 92.0583% | 2,464 |
| Net loans and leases to core deposits | 570.6794% | 22 |
| Total domestic deposits to total assets | 84.4390% | 3,528 |
| Equity capital to assets | 14.3590% | 1,206 |
| Core capital (leverage) ratio | 14.6536% | 988 |
| Tier 1 risk-based capital ratio | 14.0905% | 3,464 |
| Total risk-based capital ratio | 14.6313% | 3,818 |
| Memoranda: | ||
| Average total assets | $110,667,000 | 4,869 |
| Average earning assets | $102,540,670 | 4,825 |
| Average equity | $15,710,670 | 3,976 |
| Average total loans | $85,368,330 | 4,419 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2849% | 8,175 |
| Cost of funding earning assets | 1.6110% | 5,985 |
| Net interest margin | 0.6738% | 8,184 |
| Noninterest income to average assets | 13.1216% | 54 |
| Noninterest expense to average assets | 12.9231% | 81 |
| Loan and lease loss provision to assets | 0.1804% | 4,643 |
| Net operating income to assets | 0.6460% | 3,813 |
| Return on assets (ROA) | 0.6460% | 3,995 |
| Pretax return on assets | 0.6460% | 4,603 |
| Return on Equity (ROE) | 4.5764% | 4,673 |
| Retained earnings to average equity (ytd only) | 4.5764% | 3,385 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3333% | 1,475 |
| Assets per employee ($millions) | 1.9088% | 7,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7158% | 7,394 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 78.8899% | 1,608 |
| Net loans and leases to deposits | 93.8562% | 2,294 |
| Net loans and leases to core deposits | 537.7654% | 22 |
| Total domestic deposits to total assets | 84.0540% | 3,682 |
| Equity capital to assets | 14.7205% | 1,178 |
| Core capital (leverage) ratio | 14.3796% | 1,111 |
| Tier 1 risk-based capital ratio | 13.4733% | 3,883 |
| Total risk-based capital ratio | 13.9947% | 4,270 |
| Memoranda: | ||
| Average total assets | $110,840,000 | 4,883 |
| Average earning assets | $103,287,500 | 4,825 |
| Average equity | $15,645,500 | 4,014 |
| Average total loans | $84,870,500 | 4,465 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6181% | 8,132 |
| Cost of funding earning assets | 2.7367% | 2,986 |
| Net interest margin | 0.8814% | 8,240 |
| Noninterest income to average assets | 15.9575% | 55 |
| Noninterest expense to average assets | 16.1183% | 69 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.6607% | 4,061 |
| Return on assets (ROA) | 0.6607% | 3,910 |
| Pretax return on assets | 0.6607% | 4,517 |
| Return on Equity (ROE) | 4.5776% | 4,564 |
| Retained earnings to average equity (ytd only) | -6.9587% | 6,779 |
| Net charge-offs to loans | -0.1940% | 8,162 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5385% | 1,186 |
| Assets per employee ($millions) | 2.0498% | 7,867 |
| Cash dividends to net income (ytd only)* | 252.0161% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6580% | 7,532 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 73.3944% | 3,264 |
| Net loans and leases to deposits | 86.3232% | 4,069 |
| Net loans and leases to core deposits | 513.6134% | 23 |
| Total domestic deposits to total assets | 85.0228% | 2,829 |
| Equity capital to assets | 13.5519% | 1,582 |
| Core capital (leverage) ratio | 14.6410% | 1,109 |
| Tier 1 risk-based capital ratio | 12.4833% | 4,450 |
| Total risk-based capital ratio | 12.9325% | 4,967 |
| Memoranda: | ||
| Average total assets | $112,611,400 | 4,703 |
| Average earning assets | $104,943,400 | 4,648 |
| Average equity | $16,253,000 | 3,877 |
| Average total loans | $77,322,200 | 4,606 |