Home > Trust Company of America > Performance and Condition Ratios
Trust Company of America, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8801% | 5,572 |
| Cost of funding earning assets | 0.0345% | 5,573 |
| Net interest margin | 1.8456% | 5,549 |
| Noninterest income to average assets | 5.5797% | 91 |
| Noninterest expense to average assets | 4.5126% | 291 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.7253% | 103 |
| Return on assets (ROA) | 2.7253% | 106 |
| Pretax return on assets | 2.7253% | 150 |
| Return on Equity (ROE) | 59.3285% | 8 |
| Retained earnings to average equity (ytd only) | 23.3839% | 61 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3468% | 3,725 |
| Assets per employee ($millions) | 4.3653% | 3,371 |
| Cash dividends to net income (ytd only)* | 60.5857% | 1,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | 0.0000% | 5,567 |
| Total domestic deposits to total assets | 95.2773% | 6 |
| Equity capital to assets | 4.4262% | 5,591 |
| Core capital (leverage) ratio | 6.1388% | 5,568 |
| Tier 1 risk-based capital ratio | 22.4610% | 995 |
| Total risk-based capital ratio | 22.4610% | 1,143 |
| Memoranda: | ||
| Average total assets | $852,023,000 | 894 |
| Average earning assets | $765,480,500 | 926 |
| Average equity | $39,138,000 | 1,906 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7463% | 5,617 |
| Cost of funding earning assets | 0.0314% | 5,629 |
| Net interest margin | 1.7148% | 5,603 |
| Noninterest income to average assets | 5.3142% | 104 |
| Noninterest expense to average assets | 4.6898% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.1427% | 215 |
| Return on assets (ROA) | 2.1427% | 217 |
| Pretax return on assets | 2.1427% | 353 |
| Return on Equity (ROE) | 42.1146% | 14 |
| Retained earnings to average equity (ytd only) | 15.5238% | 77 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6390% | 2,767 |
| Assets per employee ($millions) | 4.7098% | 2,850 |
| Cash dividends to net income (ytd only)* | 63.1390% | 1,607 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 94.8649% | 6 |
| Equity capital to assets | 4.7589% | 5,652 |
| Core capital (leverage) ratio | 5.9662% | 5,634 |
| Tier 1 risk-based capital ratio | 21.5260% | 1,066 |
| Total risk-based capital ratio | 21.5260% | 1,236 |
| Memoranda: | ||
| Average total assets | $779,652,800 | 954 |
| Average earning assets | $690,333,800 | 983 |
| Average equity | $39,668,000 | 1,871 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7317% | 5,691 |
| Cost of funding earning assets | 0.0307% | 5,699 |
| Net interest margin | 1.7010% | 5,674 |
| Noninterest income to average assets | 5.3102% | 106 |
| Noninterest expense to average assets | 4.7356% | 260 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0790% | 272 |
| Return on assets (ROA) | 2.0790% | 279 |
| Pretax return on assets | 2.0790% | 467 |
| Return on Equity (ROE) | 40.1307% | 16 |
| Retained earnings to average equity (ytd only) | 16.0421% | 91 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4915% | 2,623 |
| Assets per employee ($millions) | 4.4541% | 3,234 |
| Cash dividends to net income (ytd only)* | 60.0253% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 94.4096% | 7 |
| Equity capital to assets | 5.2361% | 5,713 |
| Core capital (leverage) ratio | 6.0658% | 5,696 |
| Tier 1 risk-based capital ratio | 22.4273% | 1,002 |
| Total risk-based capital ratio | 22.4273% | 1,149 |
| Memoranda: | ||
| Average total assets | $760,272,000 | 977 |
| Average earning assets | $672,379,750 | 1,015 |
| Average equity | $39,387,000 | 1,896 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7062% | 5,742 |
| Cost of funding earning assets | 0.0318% | 5,741 |
| Net interest margin | 1.6743% | 5,730 |
| Noninterest income to average assets | 5.3373% | 108 |
| Noninterest expense to average assets | 4.9219% | 229 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.8811% | 386 |
| Return on assets (ROA) | 1.8811% | 398 |
| Pretax return on assets | 1.8811% | 691 |
| Return on Equity (ROE) | 36.4557% | 22 |
| Retained earnings to average equity (ytd only) | 13.8354% | 194 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3486% | 2,284 |
| Assets per employee ($millions) | 4.2095% | 3,599 |
| Cash dividends to net income (ytd only)* | 62.0486% | 1,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 94.2593% | 6 |
| Equity capital to assets | 5.4131% | 5,759 |
| Core capital (leverage) ratio | 6.0103% | 5,743 |
| Tier 1 risk-based capital ratio | 23.6889% | 883 |
| Total risk-based capital ratio | 23.6889% | 983 |
| Memoranda: | ||
| Average total assets | $739,026,670 | 1,004 |
| Average earning assets | $646,949,330 | 1,044 |
| Average equity | $38,134,000 | 1,948 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6256% | 5,818 |
| Cost of funding earning assets | 0.0319% | 5,807 |
| Net interest margin | 1.5937% | 5,806 |
| Noninterest income to average assets | 5.2112% | 112 |
| Noninterest expense to average assets | 4.9649% | 239 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.6202% | 649 |
| Return on assets (ROA) | 1.6202% | 668 |
| Pretax return on assets | 1.6202% | 1,183 |
| Return on Equity (ROE) | 32.2257% | 33 |
| Retained earnings to average equity (ytd only) | 7.6218% | 1,602 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3966% | 2,000 |
| Assets per employee ($millions) | 3.9883% | 4,031 |
| Cash dividends to net income (ytd only)* | 76.3488% | 1,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 94.5525% | 10 |
| Equity capital to assets | 5.1086% | 5,829 |
| Core capital (leverage) ratio | 5.9403% | 5,807 |
| Tier 1 risk-based capital ratio | 39.8043% | 226 |
| Total risk-based capital ratio | 39.8043% | 239 |
| Memoranda: | ||
| Average total assets | $727,581,500 | 1,020 |
| Average earning assets | $627,201,000 | 1,078 |
| Average equity | $36,579,500 | 2,002 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6869% | 5,861 |
| Cost of funding earning assets | 0.0413% | 5,852 |
| Net interest margin | 1.6456% | 5,842 |
| Noninterest income to average assets | 4.7697% | 125 |
| Noninterest expense to average assets | 4.6155% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4524% | 912 |
| Return on assets (ROA) | 1.4524% | 938 |
| Pretax return on assets | 1.4524% | 1,744 |
| Return on Equity (ROE) | 23.6335% | 102 |
| Retained earnings to average equity (ytd only) | 8.4357% | 725 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0635% | 1,971 |
| Assets per employee ($millions) | 4.1446% | 3,717 |
| Cash dividends to net income (ytd only)* | 64.3064% | 1,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 94.7737% | 12 |
| Equity capital to assets | 4.9427% | 5,881 |
| Core capital (leverage) ratio | 5.9612% | 5,859 |
| Tier 1 risk-based capital ratio | 21.3671% | 1,153 |
| Total risk-based capital ratio | 21.3671% | 1,329 |
| Memoranda: | ||
| Average total assets | $690,351,600 | 1,029 |
| Average earning assets | $544,612,000 | 1,180 |
| Average equity | $42,427,000 | 1,743 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7226% | 5,929 |
| Cost of funding earning assets | 0.0443% | 5,917 |
| Net interest margin | 1.6783% | 5,908 |
| Noninterest income to average assets | 4.7439% | 133 |
| Noninterest expense to average assets | 4.7083% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3325% | 1,203 |
| Return on assets (ROA) | 1.3325% | 1,288 |
| Pretax return on assets | 1.3325% | 2,298 |
| Return on Equity (ROE) | 20.6085% | 213 |
| Retained earnings to average equity (ytd only) | 6.2110% | 2,057 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9418% | 1,695 |
| Assets per employee ($millions) | 4.0015% | 3,963 |
| Cash dividends to net income (ytd only)* | 69.8620% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 93.1931% | 29 |
| Equity capital to assets | 6.4906% | 5,918 |
| Core capital (leverage) ratio | 5.9370% | 5,929 |
| Tier 1 risk-based capital ratio | 22.7619% | 1,034 |
| Total risk-based capital ratio | 22.7619% | 1,178 |
| Memoranda: | ||
| Average total assets | $681,611,500 | 1,045 |
| Average earning assets | $526,716,500 | 1,213 |
| Average equity | $44,071,250 | 1,696 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7942% | 6,006 |
| Cost of funding earning assets | 0.0488% | 5,988 |
| Net interest margin | 1.7454% | 5,985 |
| Noninterest income to average assets | 4.7365% | 133 |
| Noninterest expense to average assets | 4.7261% | 322 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3023% | 1,266 |
| Return on assets (ROA) | 1.3023% | 1,370 |
| Pretax return on assets | 1.3023% | 2,402 |
| Return on Equity (ROE) | 20.1691% | 234 |
| Retained earnings to average equity (ytd only) | 4.3796% | 3,130 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3967% | 1,728 |
| Assets per employee ($millions) | 3.8622% | 4,150 |
| Cash dividends to net income (ytd only)* | 78.2856% | 934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 92.8387% | 33 |
| Equity capital to assets | 6.8135% | 5,977 |
| Core capital (leverage) ratio | 6.2705% | 5,993 |
| Tier 1 risk-based capital ratio | 27.4176% | 623 |
| Total risk-based capital ratio | 27.4176% | 699 |
| Memoranda: | ||
| Average total assets | $675,395,670 | 1,057 |
| Average earning assets | $499,952,000 | 1,284 |
| Average equity | $43,611,330 | 1,714 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8618% | 6,064 |
| Cost of funding earning assets | 0.0621% | 6,024 |
| Net interest margin | 1.7997% | 6,045 |
| Noninterest income to average assets | 4.9124% | 121 |
| Noninterest expense to average assets | 4.6716% | 343 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.5010% | 848 |
| Return on assets (ROA) | 1.5010% | 891 |
| Pretax return on assets | 1.5010% | 1,583 |
| Return on Equity (ROE) | 23.9176% | 116 |
| Retained earnings to average equity (ytd only) | 7.9662% | 1,470 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6830% | 2,221 |
| Assets per employee ($millions) | 4.0299% | 3,897 |
| Cash dividends to net income (ytd only)* | 66.6931% | 1,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 93.0066% | 44 |
| Equity capital to assets | 6.6464% | 6,032 |
| Core capital (leverage) ratio | 6.5840% | 6,025 |
| Tier 1 risk-based capital ratio | 39.5530% | 241 |
| Total risk-based capital ratio | 39.5530% | 260 |
| Memoranda: | ||
| Average total assets | $671,286,000 | 1,055 |
| Average earning assets | $470,089,500 | 1,351 |
| Average equity | $42,128,000 | 1,757 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5279% | 6,123 |
| Cost of funding earning assets | 0.0406% | 6,115 |
| Net interest margin | 1.4872% | 6,111 |
| Noninterest income to average assets | 4.3168% | 146 |
| Noninterest expense to average assets | 4.3603% | 454 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.1279% | 1,812 |
| Return on assets (ROA) | 1.1802% | 1,698 |
| Pretax return on assets | 1.1802% | 2,730 |
| Return on Equity (ROE) | 21.9464% | 178 |
| Retained earnings to average equity (ytd only) | 7.6088% | 1,061 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4487% | 1,755 |
| Assets per employee ($millions) | 3.9370% | 4,052 |
| Cash dividends to net income (ytd only)* | 65.3302% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 93.7702% | 28 |
| Equity capital to assets | 5.8838% | 6,124 |
| Core capital (leverage) ratio | 5.6322% | 6,129 |
| Tier 1 risk-based capital ratio | 33.8623% | 366 |
| Total risk-based capital ratio | 33.8623% | 397 |
| Memoranda: | ||
| Average total assets | $718,499,600 | 966 |
| Average earning assets | $565,946,800 | 1,106 |
| Average equity | $38,639,600 | 1,859 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4699% | 6,221 |
| Cost of funding earning assets | 0.0370% | 6,209 |
| Net interest margin | 1.4329% | 6,208 |
| Noninterest income to average assets | 4.2392% | 148 |
| Noninterest expense to average assets | 4.3205% | 480 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0672% | 2,141 |
| Return on assets (ROA) | 1.1356% | 1,951 |
| Pretax return on assets | 1.1356% | 3,070 |
| Return on Equity (ROE) | 21.5740% | 204 |
| Retained earnings to average equity (ytd only) | 8.5003% | 1,057 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1925% | 1,636 |
| Assets per employee ($millions) | 4.8630% | 2,467 |
| Cash dividends to net income (ytd only)* | 60.5992% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 94.4765% | 24 |
| Equity capital to assets | 5.2382% | 6,224 |
| Core capital (leverage) ratio | 5.3553% | 6,220 |
| Tier 1 risk-based capital ratio | 13.2554% | 4,287 |
| Total risk-based capital ratio | 13.2554% | 4,998 |
| Memoranda: | ||
| Average total assets | $732,768,750 | 950 |
| Average earning assets | $587,327,750 | 1,072 |
| Average equity | $38,570,250 | 1,881 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5297% | 6,296 |
| Cost of funding earning assets | 0.0306% | 6,291 |
| Net interest margin | 1.4992% | 6,282 |
| Noninterest income to average assets | 4.3688% | 146 |
| Noninterest expense to average assets | 4.5524% | 402 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9947% | 2,413 |
| Return on assets (ROA) | 1.1009% | 2,040 |
| Pretax return on assets | 1.1009% | 3,171 |
| Return on Equity (ROE) | 20.8777% | 235 |
| Retained earnings to average equity (ytd only) | 10.2165% | 628 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0677% | 1,482 |
| Assets per employee ($millions) | 4.1549% | 3,562 |
| Cash dividends to net income (ytd only)* | 51.0649% | 1,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 94.6827% | 23 |
| Equity capital to assets | 5.0016% | 6,299 |
| Core capital (leverage) ratio | 5.3641% | 6,291 |
| Tier 1 risk-based capital ratio | 16.3254% | 2,701 |
| Total risk-based capital ratio | 16.3254% | 3,255 |
| Memoranda: | ||
| Average total assets | $707,937,000 | 986 |
| Average earning assets | $556,435,000 | 1,132 |
| Average equity | $37,331,670 | 1,933 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5148% | 6,365 |
| Cost of funding earning assets | 0.0273% | 6,368 |
| Net interest margin | 1.4875% | 6,346 |
| Noninterest income to average assets | 4.2725% | 151 |
| Noninterest expense to average assets | 4.5612% | 411 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8525% | 2,995 |
| Return on assets (ROA) | 0.8525% | 3,113 |
| Pretax return on assets | 0.8525% | 4,048 |
| Return on Equity (ROE) | 15.7575% | 598 |
| Retained earnings to average equity (ytd only) | 6.7592% | 2,121 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2535% | 1,354 |
| Assets per employee ($millions) | 4.0151% | 3,928 |
| Cash dividends to net income (ytd only)* | 57.1049% | 1,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 94.0747% | 30 |
| Equity capital to assets | 5.5391% | 6,350 |
| Core capital (leverage) ratio | 5.4048% | 6,352 |
| Tier 1 risk-based capital ratio | 15.0393% | 3,410 |
| Total risk-based capital ratio | 15.0393% | 4,078 |
| Memoranda: | ||
| Average total assets | $706,660,500 | 986 |
| Average earning assets | $542,115,500 | 1,175 |
| Average equity | $38,229,500 | 1,917 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1035% | 6,410 |
| Cost of funding earning assets | 0.0246% | 6,462 |
| Net interest margin | 2.0790% | 6,346 |
| Noninterest income to average assets | 4.5439% | 136 |
| Noninterest expense to average assets | 5.1107% | 289 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0348% | 2,238 |
| Return on assets (ROA) | 1.0453% | 2,258 |
| Pretax return on assets | 1.0453% | 3,320 |
| Return on Equity (ROE) | 23.1142% | 148 |
| Retained earnings to average equity (ytd only) | 6.8592% | 1,468 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1612% | 1,501 |
| Assets per employee ($millions) | 4.1086% | 3,706 |
| Cash dividends to net income (ytd only)* | 70.3247% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 94.2951% | 25 |
| Equity capital to assets | 5.3026% | 6,449 |
| Core capital (leverage) ratio | 5.3421% | 6,443 |
| Tier 1 risk-based capital ratio | 18.5921% | 1,963 |
| Total risk-based capital ratio | 18.5921% | 2,332 |
| Memoranda: | ||
| Average total assets | $612,846,800 | 1,083 |
| Average earning assets | $472,160,600 | 1,297 |
| Average equity | $27,714,600 | 2,428 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2718% | 6,467 |
| Cost of funding earning assets | 0.0237% | 6,546 |
| Net interest margin | 2.2481% | 6,361 |
| Noninterest income to average assets | 4.6990% | 129 |
| Noninterest expense to average assets | 5.2792% | 263 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1777% | 1,760 |
| Return on assets (ROA) | 1.1922% | 1,774 |
| Pretax return on assets | 1.1922% | 2,809 |
| Return on Equity (ROE) | 27.7999% | 71 |
| Retained earnings to average equity (ytd only) | 6.0295% | 2,393 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7609% | 1,651 |
| Assets per employee ($millions) | 3.9126% | 4,061 |
| Cash dividends to net income (ytd only)* | 78.3112% | 786 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 95.4321% | 24 |
| Equity capital to assets | 4.3157% | 6,543 |
| Core capital (leverage) ratio | 5.5023% | 6,504 |
| Tier 1 risk-based capital ratio | 28.1716% | 635 |
| Total risk-based capital ratio | 28.1716% | 697 |
| Memoranda: | ||
| Average total assets | $589,390,500 | 1,130 |
| Average earning assets | $460,885,500 | 1,341 |
| Average equity | $25,275,250 | 2,645 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1460% | 6,557 |
| Cost of funding earning assets | 0.0216% | 6,615 |
| Net interest margin | 2.1243% | 6,485 |
| Noninterest income to average assets | 5.0023% | 120 |
| Noninterest expense to average assets | 5.5899% | 222 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3010% | 1,308 |
| Return on assets (ROA) | 1.6625% | 661 |
| Pretax return on assets | 1.6625% | 1,108 |
| Return on Equity (ROE) | 38.8731% | 30 |
| Retained earnings to average equity (ytd only) | 17.3024% | 137 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1197% | 1,860 |
| Assets per employee ($millions) | 3.0712% | 5,649 |
| Cash dividends to net income (ytd only)* | 55.4901% | 1,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 93.9402% | 51 |
| Equity capital to assets | 5.7763% | 6,550 |
| Core capital (leverage) ratio | 6.3877% | 6,502 |
| Tier 1 risk-based capital ratio | 44.9787% | 178 |
| Total risk-based capital ratio | 44.9787% | 184 |
| Memoranda: | ||
| Average total assets | $551,101,000 | 1,211 |
| Average earning assets | $489,939,330 | 1,261 |
| Average equity | $23,569,000 | 2,792 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1139% | 6,636 |
| Cost of funding earning assets | 0.0220% | 6,685 |
| Net interest margin | 2.0920% | 6,563 |
| Noninterest income to average assets | 4.7277% | 126 |
| Noninterest expense to average assets | 5.5525% | 233 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0987% | 1,822 |
| Return on assets (ROA) | 1.0987% | 1,885 |
| Pretax return on assets | 1.0987% | 2,904 |
| Return on Equity (ROE) | 31.0174% | 60 |
| Retained earnings to average equity (ytd only) | 2.5237% | 4,554 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4815% | 1,735 |
| Assets per employee ($millions) | 3.6055% | 4,704 |
| Cash dividends to net income (ytd only)* | 91.8635% | 789 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 95.6478% | 22 |
| Equity capital to assets | 3.9865% | 6,675 |
| Core capital (leverage) ratio | 6.0661% | 6,578 |
| Tier 1 risk-based capital ratio | 38.2357% | 269 |
| Total risk-based capital ratio | 38.2357% | 283 |
| Memoranda: | ||
| Average total assets | $554,853,500 | 1,205 |
| Average earning assets | $510,140,000 | 1,210 |
| Average equity | $19,653,500 | 3,207 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1814% | 6,692 |
| Cost of funding earning assets | 0.0219% | 6,772 |
| Net interest margin | 2.1595% | 6,595 |
| Noninterest income to average assets | 4.0858% | 163 |
| Noninterest expense to average assets | 4.7264% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.3614% | 1,105 |
| Return on assets (ROA) | 1.2907% | 1,326 |
| Pretax return on assets | 1.2907% | 2,197 |
| Return on Equity (ROE) | 20.1924% | 271 |
| Retained earnings to average equity (ytd only) | 4.3065% | 3,110 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6379% | 2,522 |
| Assets per employee ($millions) | 3.1582% | 5,570 |
| Cash dividends to net income (ytd only)* | 78.6725% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 95.4143% | 37 |
| Equity capital to assets | 3.0286% | 6,764 |
| Core capital (leverage) ratio | 6.0361% | 6,645 |
| Tier 1 risk-based capital ratio | 46.1550% | 158 |
| Total risk-based capital ratio | 46.1550% | 169 |
| Memoranda: | ||
| Average total assets | $585,958,600 | 1,133 |
| Average earning assets | $543,236,600 | 1,113 |
| Average equity | $37,454,600 | 1,851 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1703% | 6,776 |
| Cost of funding earning assets | 0.0216% | 6,854 |
| Net interest margin | 2.1488% | 6,675 |
| Noninterest income to average assets | 3.8823% | 180 |
| Noninterest expense to average assets | 4.4980% | 519 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.3654% | 1,184 |
| Return on assets (ROA) | 1.2740% | 1,487 |
| Pretax return on assets | 1.2740% | 2,433 |
| Return on Equity (ROE) | 17.9211% | 448 |
| Retained earnings to average equity (ytd only) | 4.8274% | 3,210 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7127% | 2,611 |
| Assets per employee ($millions) | 3.4594% | 4,930 |
| Cash dividends to net income (ytd only)* | 73.0629% | 981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 92.8016% | 141 |
| Equity capital to assets | 6.7285% | 6,608 |
| Core capital (leverage) ratio | 5.6137% | 6,752 |
| Tier 1 risk-based capital ratio | 42.6657% | 208 |
| Total risk-based capital ratio | 42.6657% | 222 |
| Memoranda: | ||
| Average total assets | $603,749,750 | 1,109 |
| Average earning assets | $556,640,250 | 1,100 |
| Average equity | $42,920,500 | 1,643 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1740% | 6,821 |
| Cost of funding earning assets | 0.0217% | 6,903 |
| Net interest margin | 2.1523% | 6,707 |
| Noninterest income to average assets | 3.7391% | 196 |
| Noninterest expense to average assets | 4.4524% | 552 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.2675% | 1,412 |
| Return on assets (ROA) | 1.1321% | 1,922 |
| Pretax return on assets | 1.1321% | 2,964 |
| Return on Equity (ROE) | 15.6588% | 709 |
| Retained earnings to average equity (ytd only) | 3.1453% | 4,322 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8401% | 2,484 |
| Assets per employee ($millions) | 3.7350% | 4,335 |
| Cash dividends to net income (ytd only)* | 79.9133% | 911 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 92.9163% | 130 |
| Equity capital to assets | 6.5170% | 6,685 |
| Core capital (leverage) ratio | 5.4214% | 6,801 |
| Tier 1 risk-based capital ratio | 38.7445% | 254 |
| Total risk-based capital ratio | 38.7445% | 274 |
| Memoranda: | ||
| Average total assets | $611,270,670 | 1,098 |
| Average earning assets | $562,548,670 | 1,086 |
| Average equity | $44,192,330 | 1,599 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2736% | 6,874 |
| Cost of funding earning assets | 0.0222% | 6,982 |
| Net interest margin | 2.2514% | 6,727 |
| Noninterest income to average assets | 3.6779% | 201 |
| Noninterest expense to average assets | 4.4837% | 547 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2826% | 1,327 |
| Return on assets (ROA) | 1.0080% | 2,305 |
| Pretax return on assets | 1.0080% | 3,311 |
| Return on Equity (ROE) | 13.2629% | 1,106 |
| Retained earnings to average equity (ytd only) | -0.9162% | 5,939 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7573% | 2,651 |
| Assets per employee ($millions) | 3.6217% | 4,731 |
| Cash dividends to net income (ytd only)* | 106.9079% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 91.2469% | 429 |
| Equity capital to assets | 7.7366% | 6,508 |
| Core capital (leverage) ratio | 5.4972% | 6,846 |
| Tier 1 risk-based capital ratio | 43.9030% | 182 |
| Total risk-based capital ratio | 43.9030% | 198 |
| Memoranda: | ||
| Average total assets | $603,164,000 | 1,123 |
| Average earning assets | $559,468,000 | 1,104 |
| Average equity | $45,842,000 | 1,560 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3902% | 6,957 |
| Cost of funding earning assets | 0.0201% | 7,052 |
| Net interest margin | 2.3701% | 6,797 |
| Noninterest income to average assets | 4.0648% | 185 |
| Noninterest expense to average assets | 4.6712% | 491 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.5409% | 845 |
| Return on assets (ROA) | 1.5477% | 916 |
| Pretax return on assets | 1.5477% | 1,527 |
| Return on Equity (ROE) | 18.0310% | 442 |
| Retained earnings to average equity (ytd only) | 4.2428% | 3,241 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1949% | 2,877 |
| Assets per employee ($millions) | 3.8485% | 4,274 |
| Cash dividends to net income (ytd only)* | 76.4692% | 1,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 91.4715% | 345 |
| Equity capital to assets | 7.4712% | 6,644 |
| Core capital (leverage) ratio | 5.4630% | 6,897 |
| Tier 1 risk-based capital ratio | 43.2026% | 189 |
| Total risk-based capital ratio | 43.2026% | 200 |
| Memoranda: | ||
| Average total assets | $543,120,200 | 1,233 |
| Average earning assets | $492,042,400 | 1,236 |
| Average equity | $46,619,800 | 1,496 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4336% | 7,063 |
| Cost of funding earning assets | 0.0201% | 7,158 |
| Net interest margin | 2.4135% | 6,883 |
| Noninterest income to average assets | 4.2274% | 173 |
| Noninterest expense to average assets | 4.8098% | 420 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.5903% | 864 |
| Return on assets (ROA) | 1.5997% | 944 |
| Pretax return on assets | 1.5997% | 1,575 |
| Return on Equity (ROE) | 17.9489% | 504 |
| Retained earnings to average equity (ytd only) | 4.1653% | 3,966 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1521% | 2,800 |
| Assets per employee ($millions) | 3.5772% | 4,796 |
| Cash dividends to net income (ytd only)* | 76.7933% | 733 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 91.0902% | 392 |
| Equity capital to assets | 8.4429% | 6,314 |
| Core capital (leverage) ratio | 6.1868% | 6,932 |
| Tier 1 risk-based capital ratio | 51.6283% | 132 |
| Total risk-based capital ratio | 51.6283% | 140 |
| Memoranda: | ||
| Average total assets | $523,998,500 | 1,286 |
| Average earning assets | $471,720,500 | 1,309 |
| Average equity | $46,701,750 | 1,513 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4454% | 7,134 |
| Cost of funding earning assets | 0.0204% | 7,220 |
| Net interest margin | 2.4250% | 6,947 |
| Noninterest income to average assets | 4.3726% | 160 |
| Noninterest expense to average assets | 4.9715% | 386 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.5937% | 848 |
| Return on assets (ROA) | 1.6082% | 919 |
| Pretax return on assets | 1.6082% | 1,523 |
| Return on Equity (ROE) | 17.6996% | 540 |
| Retained earnings to average equity (ytd only) | 3.2483% | 4,450 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7254% | 2,782 |
| Assets per employee ($millions) | 3.3563% | 5,312 |
| Cash dividends to net income (ytd only)* | 81.6476% | 762 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 90.6914% | 566 |
| Equity capital to assets | 8.8619% | 5,850 |
| Core capital (leverage) ratio | 6.0768% | 6,982 |
| Tier 1 risk-based capital ratio | 59.6078% | 96 |
| Total risk-based capital ratio | 59.6078% | 99 |
| Memoranda: | ||
| Average total assets | $510,265,000 | 1,326 |
| Average earning assets | $461,361,330 | 1,340 |
| Average equity | $46,362,670 | 1,503 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6027% | 7,155 |
| Cost of funding earning assets | 0.0195% | 7,283 |
| Net interest margin | 2.5833% | 6,884 |
| Noninterest income to average assets | 4.3943% | 152 |
| Noninterest expense to average assets | 5.0581% | 352 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.6640% | 772 |
| Return on assets (ROA) | 1.6935% | 810 |
| Pretax return on assets | 1.6935% | 1,318 |
| Return on Equity (ROE) | 18.4001% | 506 |
| Retained earnings to average equity (ytd only) | 3.2471% | 4,621 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2460% | 2,901 |
| Assets per employee ($millions) | 3.3104% | 5,539 |
| Cash dividends to net income (ytd only)* | 82.3529% | 773 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 90.3885% | 871 |
| Equity capital to assets | 9.1355% | 5,315 |
| Core capital (leverage) ratio | 6.2363% | 7,009 |
| Tier 1 risk-based capital ratio | 34.8436% | 343 |
| Total risk-based capital ratio | 34.8436% | 374 |
| Memoranda: | ||
| Average total assets | $501,926,000 | 1,350 |
| Average earning assets | $452,292,000 | 1,368 |
| Average equity | $46,195,500 | 1,508 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7163% | 7,236 |
| Cost of funding earning assets | 0.0207% | 7,338 |
| Net interest margin | 2.6956% | 6,927 |
| Noninterest income to average assets | 4.0357% | 153 |
| Noninterest expense to average assets | 4.7486% | 476 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.7854% | 470 |
| Return on assets (ROA) | 1.8014% | 495 |
| Pretax return on assets | 1.8014% | 801 |
| Return on Equity (ROE) | 24.7213% | 112 |
| Retained earnings to average equity (ytd only) | 6.1244% | 1,946 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6745% | 3,453 |
| Assets per employee ($millions) | 3.2507% | 5,615 |
| Cash dividends to net income (ytd only)* | 75.2262% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 90.1401% | 922 |
| Equity capital to assets | 9.2730% | 5,177 |
| Core capital (leverage) ratio | 5.8182% | 7,073 |
| Tier 1 risk-based capital ratio | 65.5993% | 78 |
| Total risk-based capital ratio | 65.5993% | 80 |
| Memoranda: | ||
| Average total assets | $546,081,000 | 1,211 |
| Average earning assets | $506,123,400 | 1,196 |
| Average equity | $39,791,600 | 1,700 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6702% | 7,325 |
| Cost of funding earning assets | 0.0204% | 7,412 |
| Net interest margin | 2.6498% | 7,031 |
| Noninterest income to average assets | 3.9689% | 158 |
| Noninterest expense to average assets | 4.6464% | 501 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.8060% | 514 |
| Return on assets (ROA) | 1.8268% | 535 |
| Pretax return on assets | 1.8268% | 907 |
| Return on Equity (ROE) | 26.6908% | 100 |
| Retained earnings to average equity (ytd only) | 9.3308% | 1,036 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0102% | 3,554 |
| Assets per employee ($millions) | 3.5239% | 4,935 |
| Cash dividends to net income (ytd only)* | 65.0412% | 1,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 89.6018% | 1,092 |
| Equity capital to assets | 9.0309% | 5,720 |
| Core capital (leverage) ratio | 5.2579% | 7,210 |
| Tier 1 risk-based capital ratio | 55.1741% | 126 |
| Total risk-based capital ratio | 55.1741% | 129 |
| Memoranda: | ||
| Average total assets | $558,262,000 | 1,195 |
| Average earning assets | $523,238,000 | 1,148 |
| Average equity | $38,209,500 | 1,764 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5762% | 7,409 |
| Cost of funding earning assets | 0.0196% | 7,483 |
| Net interest margin | 2.5566% | 7,152 |
| Noninterest income to average assets | 3.9487% | 170 |
| Noninterest expense to average assets | 4.7451% | 462 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6016% | 732 |
| Return on assets (ROA) | 1.6324% | 731 |
| Pretax return on assets | 1.6324% | 1,195 |
| Return on Equity (ROE) | 26.5237% | 108 |
| Retained earnings to average equity (ytd only) | 9.3218% | 1,008 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7647% | 3,226 |
| Assets per employee ($millions) | 3.7233% | 4,374 |
| Cash dividends to net income (ytd only)* | 64.8549% | 1,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 92.5032% | 159 |
| Equity capital to assets | 6.7227% | 7,152 |
| Core capital (leverage) ratio | 5.2571% | 7,280 |
| Tier 1 risk-based capital ratio | 35.7831% | 329 |
| Total risk-based capital ratio | 35.7831% | 354 |
| Memoranda: | ||
| Average total assets | $565,802,670 | 1,185 |
| Average earning assets | $530,710,000 | 1,148 |
| Average equity | $34,821,670 | 1,916 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4781% | 7,483 |
| Cost of funding earning assets | 0.0192% | 7,548 |
| Net interest margin | 2.4589% | 7,221 |
| Noninterest income to average assets | 3.9566% | 165 |
| Noninterest expense to average assets | 4.8004% | 434 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.4749% | 922 |
| Return on assets (ROA) | 1.5379% | 845 |
| Pretax return on assets | 1.5379% | 1,335 |
| Return on Equity (ROE) | 26.2889% | 134 |
| Retained earnings to average equity (ytd only) | 10.5156% | 990 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4964% | 3,074 |
| Assets per employee ($millions) | 3.5861% | 4,784 |
| Cash dividends to net income (ytd only)* | 60.0000% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 93.4996% | 98 |
| Equity capital to assets | 5.6211% | 7,330 |
| Core capital (leverage) ratio | 5.2712% | 7,331 |
| Tier 1 risk-based capital ratio | 36.1088% | 326 |
| Total risk-based capital ratio | 36.1088% | 348 |
| Memoranda: | ||
| Average total assets | $552,698,500 | 1,222 |
| Average earning assets | $521,207,500 | 1,179 |
| Average equity | $32,333,000 | 2,023 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0124% | 7,493 |
| Cost of funding earning assets | 0.0263% | 7,620 |
| Net interest margin | 2.9861% | 6,752 |
| Noninterest income to average assets | 4.1105% | 163 |
| Noninterest expense to average assets | 5.1315% | 385 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.6956% | 524 |
| Return on assets (ROA) | 2.0201% | 285 |
| Pretax return on assets | 2.0201% | 459 |
| Return on Equity (ROE) | 29.8277% | 44 |
| Retained earnings to average equity (ytd only) | 1.5602% | 4,752 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1638% | 3,171 |
| Assets per employee ($millions) | 3.2352% | 5,579 |
| Cash dividends to net income (ytd only)* | 94.7693% | 473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 93.2887% | 124 |
| Equity capital to assets | 6.1069% | 7,328 |
| Core capital (leverage) ratio | 5.5414% | 7,358 |
| Tier 1 risk-based capital ratio | 16.4949% | 2,520 |
| Total risk-based capital ratio | 16.4949% | 3,079 |
| Memoranda: | ||
| Average total assets | $505,368,800 | 1,324 |
| Average earning assets | $459,763,600 | 1,332 |
| Average equity | $34,226,600 | 1,934 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1754% | 7,600 |
| Cost of funding earning assets | 0.0289% | 7,726 |
| Net interest margin | 3.1465% | 6,492 |
| Noninterest income to average assets | 4.1254% | 166 |
| Noninterest expense to average assets | 5.1190% | 342 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.8427% | 454 |
| Return on assets (ROA) | 2.2774% | 216 |
| Pretax return on assets | 2.2774% | 356 |
| Return on Equity (ROE) | 32.7899% | 33 |
| Retained earnings to average equity (ytd only) | 3.9849% | 3,672 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5306% | 3,409 |
| Assets per employee ($millions) | 2.8406% | 6,511 |
| Cash dividends to net income (ytd only)* | 87.8473% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 91.0640% | 429 |
| Equity capital to assets | 8.2827% | 6,528 |
| Core capital (leverage) ratio | 5.6927% | 7,471 |
| Tier 1 risk-based capital ratio | 49.3450% | 157 |
| Total risk-based capital ratio | 49.3450% | 159 |
| Memoranda: | ||
| Average total assets | $501,494,250 | 1,348 |
| Average earning assets | $452,041,750 | 1,369 |
| Average equity | $34,831,000 | 1,924 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1256% | 7,694 |
| Cost of funding earning assets | 0.0317% | 7,795 |
| Net interest margin | 3.0938% | 6,622 |
| Noninterest income to average assets | 3.9585% | 169 |
| Noninterest expense to average assets | 4.9460% | 391 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.7837% | 502 |
| Return on assets (ROA) | 2.3123% | 205 |
| Pretax return on assets | 2.3123% | 329 |
| Return on Equity (ROE) | 35.2150% | 32 |
| Retained earnings to average equity (ytd only) | 5.8351% | 2,428 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4954% | 3,563 |
| Assets per employee ($millions) | 3.6146% | 4,665 |
| Cash dividends to net income (ytd only)* | 83.4302% | 691 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 92.0966% | 206 |
| Equity capital to assets | 6.8685% | 7,393 |
| Core capital (leverage) ratio | 5.3507% | 7,568 |
| Tier 1 risk-based capital ratio | 33.1849% | 393 |
| Total risk-based capital ratio | 33.1849% | 417 |
| Memoranda: | ||
| Average total assets | $520,949,670 | 1,299 |
| Average earning assets | $466,604,670 | 1,331 |
| Average equity | $34,207,000 | 1,955 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4291% | 7,727 |
| Cost of funding earning assets | 0.0314% | 7,900 |
| Net interest margin | 3.3977% | 5,592 |
| Noninterest income to average assets | 4.1286% | 161 |
| Noninterest expense to average assets | 5.2156% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.8172% | 476 |
| Return on assets (ROA) | 1.8330% | 508 |
| Pretax return on assets | 1.8330% | 836 |
| Return on Equity (ROE) | 28.6296% | 104 |
| Retained earnings to average equity (ytd only) | -5.2771% | 6,605 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1610% | 3,553 |
| Assets per employee ($millions) | 3.2828% | 5,574 |
| Cash dividends to net income (ytd only)* | 118.4324% | 449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 92.4806% | 168 |
| Equity capital to assets | 6.4401% | 7,537 |
| Core capital (leverage) ratio | 5.1886% | 7,686 |
| Tier 1 risk-based capital ratio | 18.1522% | 1,909 |
| Total risk-based capital ratio | 18.1522% | 2,254 |
| Memoranda: | ||
| Average total assets | $506,712,000 | 1,371 |
| Average earning assets | $433,110,500 | 1,472 |
| Average equity | $32,442,000 | 2,069 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8567% | 7,893 |
| Cost of funding earning assets | 0.0364% | 7,987 |
| Net interest margin | 2.8204% | 7,027 |
| Noninterest income to average assets | 3.3342% | 203 |
| Noninterest expense to average assets | 4.2879% | 1,004 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6495% | 484 |
| Return on assets (ROA) | 1.6649% | 508 |
| Pretax return on assets | 1.6649% | 843 |
| Return on Equity (ROE) | 25.7600% | 84 |
| Retained earnings to average equity (ytd only) | 7.6081% | 804 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2184% | 4,231 |
| Assets per employee ($millions) | 3.2551% | 5,599 |
| Cash dividends to net income (ytd only)* | 70.4653% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 92.6164% | 164 |
| Equity capital to assets | 6.3635% | 7,599 |
| Core capital (leverage) ratio | 5.3822% | 7,729 |
| Tier 1 risk-based capital ratio | 18.8444% | 1,690 |
| Total risk-based capital ratio | 18.8444% | 1,959 |
| Memoranda: | ||
| Average total assets | $494,394,400 | 1,399 |
| Average earning assets | $456,325,600 | 1,381 |
| Average equity | $31,952,600 | 2,098 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6809% | 8,001 |
| Cost of funding earning assets | 0.0397% | 8,069 |
| Net interest margin | 2.6412% | 7,305 |
| Noninterest income to average assets | 3.2600% | 207 |
| Noninterest expense to average assets | 4.2564% | 968 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5033% | 807 |
| Return on assets (ROA) | 1.5100% | 852 |
| Pretax return on assets | 1.5100% | 1,387 |
| Return on Equity (ROE) | 23.2740% | 160 |
| Retained earnings to average equity (ytd only) | 6.3547% | 1,789 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9000% | 3,879 |
| Assets per employee ($millions) | 3.1088% | 5,884 |
| Cash dividends to net income (ytd only)* | 72.6964% | 1,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 91.3003% | 303 |
| Equity capital to assets | 7.2688% | 7,444 |
| Core capital (leverage) ratio | 5.6204% | 7,854 |
| Tier 1 risk-based capital ratio | 18.2943% | 1,908 |
| Total risk-based capital ratio | 18.2943% | 2,211 |
| Memoranda: | ||
| Average total assets | $493,486,750 | 1,412 |
| Average earning assets | $467,052,000 | 1,362 |
| Average equity | $32,017,750 | 2,106 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5758% | 8,101 |
| Cost of funding earning assets | 0.0478% | 8,163 |
| Net interest margin | 2.5280% | 7,451 |
| Noninterest income to average assets | 3.1098% | 201 |
| Noninterest expense to average assets | 4.0992% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.3877% | 1,048 |
| Return on assets (ROA) | 1.3977% | 1,102 |
| Pretax return on assets | 1.3977% | 1,732 |
| Return on Equity (ROE) | 22.3754% | 219 |
| Retained earnings to average equity (ytd only) | 5.4919% | 2,251 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7081% | 3,921 |
| Assets per employee ($millions) | 3.7054% | 4,311 |
| Cash dividends to net income (ytd only)* | 75.4556% | 1,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 92.5393% | 144 |
| Equity capital to assets | 5.9492% | 7,940 |
| Core capital (leverage) ratio | 5.0371% | 8,023 |
| Tier 1 risk-based capital ratio | 26.9346% | 788 |
| Total risk-based capital ratio | 26.9346% | 860 |
| Memoranda: | ||
| Average total assets | $502,540,670 | 1,414 |
| Average earning assets | $472,555,000 | 1,372 |
| Average equity | $31,391,670 | 2,153 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6974% | 8,159 |
| Cost of funding earning assets | 0.0800% | 8,207 |
| Net interest margin | 2.6174% | 7,345 |
| Noninterest income to average assets | 3.0771% | 207 |
| Noninterest expense to average assets | 4.3882% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.1086% | 1,931 |
| Return on assets (ROA) | 1.1086% | 2,060 |
| Pretax return on assets | 1.1086% | 2,954 |
| Return on Equity (ROE) | 17.2675% | 663 |
| Retained earnings to average equity (ytd only) | 1.5579% | 4,979 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8318% | 2,847 |
| Assets per employee ($millions) | 3.3224% | 5,273 |
| Cash dividends to net income (ytd only)* | 90.9780% | 876 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 91.6557% | 237 |
| Equity capital to assets | 6.2737% | 7,941 |
| Core capital (leverage) ratio | 5.2504% | 8,104 |
| Tier 1 risk-based capital ratio | 28.9547% | 693 |
| Total risk-based capital ratio | 28.9547% | 756 |
| Memoranda: | ||
| Average total assets | $475,909,000 | 1,502 |
| Average earning assets | $439,973,000 | 1,475 |
| Average equity | $30,554,500 | 2,225 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 8,095 |
| Cost of funding earning assets | 0.3667% | 8,208 |
| Net interest margin | 3.7305% | 4,324 |
| Noninterest income to average assets | 4.1253% | 144 |
| Noninterest expense to average assets | 5.9484% | 410 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.6407% | 771 |
| Return on assets (ROA) | 1.6660% | 690 |
| Pretax return on assets | 1.6660% | 1,226 |
| Return on Equity (ROE) | 25.7787% | 120 |
| Retained earnings to average equity (ytd only) | 2.8994% | 3,369 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3813% | 2,856 |
| Assets per employee ($millions) | 3.0052% | 6,050 |
| Cash dividends to net income (ytd only)* | 88.7527% | 1,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 91.2519% | 261 |
| Equity capital to assets | 6.5790% | 7,908 |
| Core capital (leverage) ratio | 5.1874% | 8,191 |
| Tier 1 risk-based capital ratio | 24.8150% | 999 |
| Total risk-based capital ratio | 24.8150% | 1,105 |
| Memoranda: | ||
| Average total assets | $382,101,400 | 1,770 |
| Average earning assets | $354,774,200 | 1,746 |
| Average equity | $24,694,800 | 2,671 |
| Average total loans | NA | NA |