Home > Bank of New Castle > Performance and Condition Ratios
Bank of New Castle, Performance and Condition Ratios
| 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 | 1.3155% | 5,045 |
| Cost of funding earning assets | 0.0337% | 5,035 |
| Net interest margin | 1.2818% | 5,028 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 0.1218% | 5,062 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.8306% | 2,937 |
| Return on assets (ROA) | 0.8306% | 3,055 |
| Pretax return on assets | 1.1406% | 2,578 |
| Return on Equity (ROE) | 0.8564% | 4,703 |
| Retained earnings to average equity (ytd only) | 0.8564% | 4,126 |
| 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 | 9.6491% | 5,060 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 97.8333% | 2 |
| Net loans and leases to deposits | 3,540.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7637% | 5,059 |
| Equity capital to assets | 97.0042% | 3 |
| Core capital (leverage) ratio | 97.1059% | 7 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 485.0193% | 4 |
| Memoranda: | ||
| Average total assets | $18,060,000 | 5,029 |
| Average earning assets | $17,787,667 | 5,006 |
| Average equity | $17,515,333 | 3,415 |
| Average total loans | $17,666,667 | 4,819 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6873% | 5,093 |
| Cost of funding earning assets | 0.0450% | 5,083 |
| Net interest margin | 1.6423% | 5,065 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 0.1330% | 5,112 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0862% | 1,885 |
| Return on assets (ROA) | 1.0862% | 1,987 |
| Pretax return on assets | 1.4853% | 1,345 |
| Return on Equity (ROE) | 1.1201% | 4,613 |
| Retained earnings to average equity (ytd only) | 1.1201% | 3,711 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.2192% | 5,104 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 97.9795% | 2 |
| Net loans and leases to deposits | 3,540.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7678% | 5,107 |
| Equity capital to assets | 97.0053% | 5 |
| Core capital (leverage) ratio | 97.1986% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 485.1052% | 3 |
| Memoranda: | ||
| Average total assets | $18,044,000 | 5,075 |
| Average earning assets | $17,779,500 | 5,053 |
| Average equity | $17,498,000 | 3,421 |
| Average total loans | $17,650,000 | 4,855 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4854% | 5,121 |
| Cost of funding earning assets | 0.0684% | 5,134 |
| Net interest margin | 2.4170% | 5,006 |
| Noninterest income to average assets | 0.0000% | 5,130 |
| Noninterest expense to average assets | 0.1343% | 5,174 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.6281% | 783 |
| Return on assets (ROA) | 1.6281% | 837 |
| Pretax return on assets | 2.2379% | 357 |
| Return on Equity (ROE) | 1.6797% | 4,836 |
| Retained earnings to average equity (ytd only) | 1.6797% | 4,131 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.6604% | 5,173 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 97.6530% | 3 |
| Net loans and leases to deposits | 3,520.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7742% | 5,167 |
| Equity capital to assets | 96.9428% | 5 |
| Core capital (leverage) ratio | 97.2451% | 9 |
| Tier 1 risk-based capital ratio | 484.5535% | 7 |
| Total risk-based capital ratio | 484.5535% | 7 |
| Memoranda: | ||
| Average total assets | $17,873,800 | 5,134 |
| Average earning assets | $17,542,200 | 5,110 |
| Average equity | $17,324,400 | 3,402 |
| Average total loans | $17,360,000 | 4,923 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4923% | 5,211 |
| Cost of funding earning assets | 0.0686% | 5,211 |
| Net interest margin | 2.4237% | 5,098 |
| Noninterest income to average assets | 0.0000% | 5,208 |
| Noninterest expense to average assets | 0.1346% | 5,253 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.6296% | 863 |
| Return on assets (ROA) | 1.6296% | 907 |
| Pretax return on assets | 2.2425% | 421 |
| Return on Equity (ROE) | 1.6813% | 4,938 |
| Retained earnings to average equity (ytd only) | 1.6813% | 4,369 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.6604% | 5,252 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 96.9197% | 2 |
| Net loans and leases to deposits | 3,480.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7850% | 5,249 |
| Equity capital to assets | 96.9086% | 4 |
| Core capital (leverage) ratio | 97.2393% | 9 |
| Tier 1 risk-based capital ratio | 484.4098% | 7 |
| Total risk-based capital ratio | 484.4098% | 7 |
| Memoranda: | ||
| Average total assets | $17,836,500 | 5,214 |
| Average earning assets | $17,493,250 | 5,190 |
| Average equity | $17,287,500 | 3,435 |
| Average total loans | $17,300,000 | 4,999 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4842% | 5,270 |
| Cost of funding earning assets | 0.0687% | 5,255 |
| Net interest margin | 2.4155% | 5,161 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 0.1461% | 5,298 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6182% | 869 |
| Return on assets (ROA) | 1.6182% | 910 |
| Pretax return on assets | 2.2250% | 423 |
| Return on Equity (ROE) | 1.6695% | 4,985 |
| Retained earnings to average equity (ytd only) | 1.6695% | 4,220 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6.1611% | 5,298 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 97.3536% | 2 |
| Net loans and leases to deposits | 3,480.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7975% | 5,295 |
| Equity capital to assets | 96.9283% | 5 |
| Core capital (leverage) ratio | 97.1352% | 8 |
| Tier 1 risk-based capital ratio | 484.5078% | 5 |
| Total risk-based capital ratio | 484.5078% | 5 |
| Memoranda: | ||
| Average total assets | $17,797,670 | 5,261 |
| Average earning assets | $17,470,670 | 5,237 |
| Average equity | $17,250,670 | 3,438 |
| Average total loans | $17,266,670 | 5,039 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5035% | 5,335 |
| Cost of funding earning assets | 0.0689% | 5,316 |
| Net interest margin | 2.4346% | 5,211 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 0.1577% | 5,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6216% | 855 |
| Return on assets (ROA) | 1.6216% | 887 |
| Pretax return on assets | 2.2297% | 419 |
| Return on Equity (ROE) | 1.6731% | 5,005 |
| Retained earnings to average equity (ytd only) | 1.6731% | 4,147 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6.6038% | 5,356 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 96.6346% | 2 |
| Net loans and leases to deposits | 3,440.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8091% | 5,352 |
| Equity capital to assets | 96.9156% | 3 |
| Core capital (leverage) ratio | 97.1564% | 8 |
| Tier 1 risk-based capital ratio | 484.5268% | 5 |
| Total risk-based capital ratio | 484.5268% | 5 |
| Memoranda: | ||
| Average total assets | $17,760,000 | 5,318 |
| Average earning assets | $17,415,500 | 5,294 |
| Average equity | $17,214,000 | 3,458 |
| Average total loans | $17,200,000 | 5,101 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8328% | 5,379 |
| Cost of funding earning assets | 0.0522% | 5,361 |
| Net interest margin | 1.7806% | 5,358 |
| Noninterest income to average assets | 0.0000% | 5,351 |
| Noninterest expense to average assets | 0.2100% | 5,401 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1182% | 2,522 |
| Return on assets (ROA) | 1.1182% | 2,520 |
| Pretax return on assets | 1.5326% | 1,674 |
| Return on Equity (ROE) | 1.1540% | 5,145 |
| Retained earnings to average equity (ytd only) | 1.1540% | 4,663 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.0521% | 5,394 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 97.0600% | 2 |
| Net loans and leases to deposits | 3,440.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8215% | 5,394 |
| Equity capital to assets | 96.9358% | 6 |
| Core capital (leverage) ratio | 97.0789% | 10 |
| Tier 1 risk-based capital ratio | 484.4094% | 7 |
| Total risk-based capital ratio | 484.4094% | 7 |
| Memoranda: | ||
| Average total assets | $17,617,000 | 5,361 |
| Average earning assets | $17,241,400 | 5,343 |
| Average equity | $17,071,200 | 3,389 |
| Average total loans | $16,960,000 | 5,150 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7292% | 5,455 |
| Cost of funding earning assets | 0.0465% | 5,435 |
| Net interest margin | 1.6827% | 5,437 |
| Noninterest income to average assets | 0.0000% | 5,427 |
| Noninterest expense to average assets | 0.2426% | 5,471 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0384% | 2,931 |
| Return on assets (ROA) | 1.0384% | 2,937 |
| Pretax return on assets | 1.4022% | 2,223 |
| Return on Equity (ROE) | 1.0717% | 5,229 |
| Retained earnings to average equity (ytd only) | 1.0717% | 4,840 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.7465% | 5,463 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 96.2464% | 2 |
| Net loans and leases to deposits | 3,400.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8308% | 5,469 |
| Equity capital to assets | 96.8975% | 5 |
| Core capital (leverage) ratio | 97.1241% | 9 |
| Tier 1 risk-based capital ratio | 484.0826% | 7 |
| Total risk-based capital ratio | 484.0826% | 7 |
| Memoranda: | ||
| Average total assets | $17,591,000 | 5,432 |
| Average earning assets | $17,194,500 | 5,414 |
| Average equity | $17,044,500 | 3,417 |
| Average total loans | $16,900,000 | 5,210 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5486% | 5,524 |
| Cost of funding earning assets | 0.0466% | 5,494 |
| Net interest margin | 1.5021% | 5,513 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 0.1252% | 5,538 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9791% | 3,112 |
| Return on assets (ROA) | 0.9791% | 3,118 |
| Pretax return on assets | 1.3434% | 2,350 |
| Return on Equity (ROE) | 1.0105% | 5,271 |
| Retained earnings to average equity (ytd only) | 1.0105% | 4,754 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.5271% | 5,535 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 96.4867% | 2 |
| Net loans and leases to deposits | 3,400.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8378% | 5,533 |
| Equity capital to assets | 96.8500% | 5 |
| Core capital (leverage) ratio | 97.0605% | 9 |
| Tier 1 risk-based capital ratio | 483.8719% | 7 |
| Total risk-based capital ratio | 483.8719% | 7 |
| Memoranda: | ||
| Average total assets | $17,567,000 | 5,497 |
| Average earning assets | $17,176,330 | 5,479 |
| Average equity | $17,021,000 | 3,442 |
| Average total loans | $16,866,670 | 5,271 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4950% | 5,594 |
| Cost of funding earning assets | 0.0467% | 5,558 |
| Net interest margin | 1.4483% | 5,583 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 0.1368% | 5,603 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9350% | 3,132 |
| Return on assets (ROA) | 0.9350% | 3,151 |
| Pretax return on assets | 1.2770% | 2,442 |
| Return on Equity (ROE) | 0.9647% | 5,314 |
| Retained earnings to average equity (ytd only) | 0.9647% | 4,638 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.6774% | 5,600 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 95.6829% | 2 |
| Net loans and leases to deposits | 3,360.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8477% | 5,597 |
| Equity capital to assets | 96.9359% | 3 |
| Core capital (leverage) ratio | 97.0087% | 7 |
| Tier 1 risk-based capital ratio | 484.2435% | 7 |
| Total risk-based capital ratio | 484.2435% | 7 |
| Memoranda: | ||
| Average total assets | $17,541,000 | 5,563 |
| Average earning assets | $17,124,000 | 5,540 |
| Average equity | $16,999,500 | 3,478 |
| Average total loans | $16,800,000 | 5,331 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0297% | 5,652 |
| Cost of funding earning assets | 0.0293% | 5,632 |
| Net interest margin | 1.0004% | 5,649 |
| Noninterest income to average assets | 0.0000% | 5,617 |
| Noninterest expense to average assets | 0.1489% | 5,664 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4940% | 4,389 |
| Return on assets (ROA) | 0.4867% | 4,440 |
| Pretax return on assets | 0.8188% | 4,200 |
| Return on Equity (ROE) | 0.5020% | 5,310 |
| Retained earnings to average equity (ytd only) | 0.5020% | 4,832 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.2047% | 5,654 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 95.8685% | 2 |
| Net loans and leases to deposits | 3,360.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8532% | 5,661 |
| Equity capital to assets | 96.8900% | 4 |
| Core capital (leverage) ratio | 96.9630% | 6 |
| Tier 1 risk-based capital ratio | 484.1790% | 5 |
| Total risk-based capital ratio | 484.1790% | 5 |
| Memoranda: | ||
| Average total assets | $17,464,800 | 5,626 |
| Average earning assets | $17,092,800 | 5,602 |
| Average equity | $16,933,400 | 3,487 |
| Average total loans | $16,676,000 | 5,401 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9523% | 5,727 |
| Cost of funding earning assets | 0.0234% | 5,704 |
| Net interest margin | 0.9289% | 5,725 |
| Noninterest income to average assets | 0.0000% | 5,683 |
| Noninterest expense to average assets | 0.1375% | 5,733 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.4606% | 4,850 |
| Return on assets (ROA) | 0.4508% | 4,909 |
| Pretax return on assets | 0.7564% | 4,462 |
| Return on Equity (ROE) | 0.4648% | 5,483 |
| Retained earnings to average equity (ytd only) | 0.4648% | 5,114 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.1261% | 5,725 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 95.4558% | 4 |
| Net loans and leases to deposits | 3,340.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8580% | 5,727 |
| Equity capital to assets | 96.9134% | 3 |
| Core capital (leverage) ratio | 97.0250% | 6 |
| Tier 1 risk-based capital ratio | 484.1279% | 5 |
| Total risk-based capital ratio | 484.1279% | 5 |
| Memoranda: | ||
| Average total assets | $17,450,000 | 5,692 |
| Average earning assets | $17,080,750 | 5,667 |
| Average equity | $16,922,000 | 3,529 |
| Average total loans | $16,645,000 | 5,461 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8194% | 5,780 |
| Cost of funding earning assets | 0.0234% | 5,751 |
| Net interest margin | 0.7960% | 5,778 |
| Noninterest income to average assets | 0.0000% | 5,731 |
| Noninterest expense to average assets | 0.1377% | 5,784 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.3818% | 5,018 |
| Return on assets (ROA) | 0.3671% | 5,073 |
| Pretax return on assets | 0.6194% | 4,764 |
| Return on Equity (ROE) | 0.3785% | 5,532 |
| Retained earnings to average equity (ytd only) | 0.3785% | 5,000 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.6471% | 5,770 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 95.6746% | 4 |
| Net loans and leases to deposits | 3,340.0000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8645% | 5,778 |
| Equity capital to assets | 96.9808% | 3 |
| Core capital (leverage) ratio | 97.0315% | 5 |
| Tier 1 risk-based capital ratio | 482.6682% | 6 |
| Total risk-based capital ratio | 482.6682% | 6 |
| Memoranda: | ||
| Average total assets | $17,435,000 | 5,740 |
| Average earning assets | $17,085,000 | 5,714 |
| Average equity | $16,911,000 | 3,544 |
| Average total loans | $16,626,670 | 5,508 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6563% | 5,851 |
| Cost of funding earning assets | 0.0234% | 5,814 |
| Net interest margin | 0.6329% | 5,848 |
| Noninterest income to average assets | 0.0000% | 5,808 |
| Noninterest expense to average assets | 0.1148% | 5,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3048% | 5,182 |
| Return on assets (ROA) | 0.2755% | 5,265 |
| Pretax return on assets | 0.4591% | 5,035 |
| Return on Equity (ROE) | 0.2840% | 5,588 |
| Retained earnings to average equity (ytd only) | 0.2840% | 4,849 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.5185% | 5,836 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 95.1753% | 2 |
| Net loans and leases to deposits | 3,318.0000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8685% | 5,844 |
| Equity capital to assets | 96.9996% | 3 |
| Core capital (leverage) ratio | 97.0225% | 6 |
| Tier 1 risk-based capital ratio | 482.7862% | 6 |
| Total risk-based capital ratio | 482.7862% | 6 |
| Memoranda: | ||
| Average total assets | $17,425,000 | 5,807 |
| Average earning assets | $17,065,000 | 5,783 |
| Average equity | $16,902,500 | 3,560 |
| Average total loans | $16,590,000 | 5,569 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5004% | 5,901 |
| Cost of funding earning assets | 0.0177% | 5,874 |
| Net interest margin | 0.4828% | 5,899 |
| Noninterest income to average assets | 0.0000% | 5,853 |
| Noninterest expense to average assets | 0.1207% | 5,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2070% | 5,404 |
| Return on assets (ROA) | 0.2070% | 5,463 |
| Pretax return on assets | 0.3507% | 5,295 |
| Return on Equity (ROE) | 0.2133% | 5,645 |
| Retained earnings to average equity (ytd only) | 0.2133% | 5,235 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.6098% | 5,882 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 95.2408% | 6 |
| Net loans and leases to deposits | 3,318.0000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8704% | 5,902 |
| Equity capital to assets | 97.0033% | 3 |
| Core capital (leverage) ratio | 97.0428% | 3 |
| Tier 1 risk-based capital ratio | 482.7192% | 4 |
| Total risk-based capital ratio | 482.7192% | 4 |
| Memoranda: | ||
| Average total assets | $17,394,000 | 5,861 |
| Average earning assets | $16,985,400 | 5,839 |
| Average equity | $16,877,600 | 3,566 |
| Average total loans | $16,396,800 | 5,632 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4559% | 5,972 |
| Cost of funding earning assets | 0.0157% | 5,944 |
| Net interest margin | 0.4402% | 5,970 |
| Noninterest income to average assets | 0.0000% | 5,922 |
| Noninterest expense to average assets | 0.1457% | 5,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.1764% | 5,505 |
| Return on assets (ROA) | 0.1764% | 5,564 |
| Pretax return on assets | 0.2838% | 5,474 |
| Return on Equity (ROE) | 0.1818% | 5,729 |
| Retained earnings to average equity (ytd only) | 0.1818% | 5,296 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 33.9286% | 5,908 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 94.6806% | 5 |
| Net loans and leases to deposits | 3,296.4000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8722% | 5,970 |
| Equity capital to assets | 97.0129% | 3 |
| Core capital (leverage) ratio | 97.0629% | 7 |
| Tier 1 risk-based capital ratio | 483.1760% | 3 |
| Total risk-based capital ratio | 483.1760% | 3 |
| Memoranda: | ||
| Average total assets | $17,387,750 | 5,925 |
| Average earning assets | $16,960,750 | 5,903 |
| Average equity | $16,872,750 | 3,599 |
| Average total loans | $16,348,500 | 5,690 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4133% | 6,051 |
| Cost of funding earning assets | 0.0118% | 6,024 |
| Net interest margin | 0.4015% | 6,050 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 0.1496% | 6,053 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.1496% | 5,612 |
| Return on assets (ROA) | 0.1496% | 5,658 |
| Pretax return on assets | 0.2416% | 5,568 |
| Return on Equity (ROE) | 0.1541% | 5,785 |
| Retained earnings to average equity (ytd only) | 0.1541% | 5,254 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.2353% | 5,939 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 94.7623% | 5 |
| Net loans and leases to deposits | 3,296.4000% | 1 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8747% | 6,049 |
| Equity capital to assets | 97.0448% | 3 |
| Core capital (leverage) ratio | 97.0500% | 6 |
| Tier 1 risk-based capital ratio | 483.0280% | 3 |
| Total risk-based capital ratio | 483.0280% | 3 |
| Memoranda: | ||
| Average total assets | $17,381,000 | 6,002 |
| Average earning assets | $16,935,670 | 5,979 |
| Average equity | $16,867,670 | 3,603 |
| Average total loans | $16,304,000 | 5,763 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3320% | 6,117 |
| Cost of funding earning assets | 0.0237% | 6,073 |
| Net interest margin | 0.3083% | 6,116 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 0.1381% | 6,116 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.0921% | 5,696 |
| Return on assets (ROA) | 0.0921% | 5,739 |
| Pretax return on assets | 0.1612% | 5,683 |
| Return on Equity (ROE) | 0.0949% | 5,804 |
| Retained earnings to average equity (ytd only) | 0.0949% | 5,083 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.1538% | 5,805 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 93.2862% | 15 |
| Net loans and leases to deposits | 3,243.0000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8765% | 6,113 |
| Equity capital to assets | 97.0314% | 4 |
| Core capital (leverage) ratio | 97.0429% | 5 |
| Tier 1 risk-based capital ratio | 482.9087% | 5 |
| Total risk-based capital ratio | 482.9087% | 5 |
| Memoranda: | ||
| Average total assets | $17,375,000 | 6,065 |
| Average earning assets | $16,866,000 | 6,040 |
| Average equity | $16,862,000 | 3,612 |
| Average total loans | $16,215,000 | 5,816 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3653% | 6,165 |
| Cost of funding earning assets | 0.0118% | 6,150 |
| Net interest margin | 0.3535% | 6,164 |
| Noninterest income to average assets | 0.0000% | 6,104 |
| Noninterest expense to average assets | 0.1727% | 6,176 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.1053% | 5,747 |
| Return on assets (ROA) | 0.0979% | 5,797 |
| Pretax return on assets | 0.1612% | 5,740 |
| Return on Equity (ROE) | 0.1009% | 5,887 |
| Retained earnings to average equity (ytd only) | 0.1009% | 5,468 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0000% | 5,760 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 93.3614% | 13 |
| Net loans and leases to deposits | 3,243.0000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8789% | 6,171 |
| Equity capital to assets | 97.0636% | 2 |
| Core capital (leverage) ratio | 97.0143% | 4 |
| Tier 1 risk-based capital ratio | 482.6560% | 5 |
| Total risk-based capital ratio | 482.6560% | 5 |
| Memoranda: | ||
| Average total assets | $17,368,000 | 6,122 |
| Average earning assets | $16,971,800 | 6,097 |
| Average equity | $16,852,400 | 3,551 |
| Average total loans | $16,203,800 | 5,860 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3766% | 6,256 |
| Cost of funding earning assets | 0.0078% | 6,241 |
| Net interest margin | 0.3688% | 6,254 |
| Noninterest income to average assets | 0.0000% | 6,192 |
| Noninterest expense to average assets | 0.1996% | 6,265 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.0943% | 5,854 |
| Return on assets (ROA) | 0.0845% | 5,908 |
| Pretax return on assets | 0.1459% | 5,847 |
| Return on Equity (ROE) | 0.0871% | 5,962 |
| Retained earnings to average equity (ytd only) | 0.0871% | 5,571 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3191% | 5,423 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 93.3184% | 14 |
| Net loans and leases to deposits | 3,243.0000% | 2 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8775% | 6,257 |
| Equity capital to assets | 97.0131% | 4 |
| Core capital (leverage) ratio | 97.0189% | 8 |
| Tier 1 risk-based capital ratio | 482.8989% | 6 |
| Total risk-based capital ratio | 482.8989% | 6 |
| Memoranda: | ||
| Average total assets | $17,368,000 | 6,207 |
| Average earning assets | $16,993,750 | 6,181 |
| Average equity | $16,851,000 | 3,578 |
| Average total loans | $16,201,000 | 5,932 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3762% | 6,334 |
| Cost of funding earning assets | 0.0118% | 6,311 |
| Net interest margin | 0.3644% | 6,333 |
| Noninterest income to average assets | 0.0000% | 6,260 |
| Noninterest expense to average assets | 0.1152% | 6,343 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1414% | 5,826 |
| Return on assets (ROA) | 0.1267% | 5,886 |
| Pretax return on assets | 0.2188% | 5,783 |
| Return on Equity (ROE) | 0.1306% | 6,011 |
| Retained earnings to average equity (ytd only) | 0.1306% | 5,465 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.2581% | 6,284 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 93.3829% | 12 |
| Net loans and leases to deposits | 3,243.0000% | 4 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8795% | 6,334 |
| Equity capital to assets | 97.0571% | 2 |
| Core capital (leverage) ratio | 97.0356% | 5 |
| Tier 1 risk-based capital ratio | 482.7606% | 5 |
| Total risk-based capital ratio | 482.7606% | 5 |
| Memoranda: | ||
| Average total assets | $17,365,330 | 6,283 |
| Average earning assets | $17,013,000 | 6,256 |
| Average equity | $16,849,000 | 3,594 |
| Average total loans | $16,196,330 | 5,994 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3758% | 6,405 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 0.3758% | 6,403 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 0.1382% | 6,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1447% | 5,801 |
| Return on assets (ROA) | 0.1152% | 5,907 |
| Pretax return on assets | 0.1843% | 5,849 |
| Return on Equity (ROE) | 0.1187% | 6,041 |
| Retained earnings to average equity (ytd only) | 0.1187% | 5,337 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.5000% | 6,312 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 93.1948% | 15 |
| Net loans and leases to deposits | 3,237.4000% | 4 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8787% | 6,403 |
| Equity capital to assets | 97.0234% | 3 |
| Core capital (leverage) ratio | 97.0123% | 4 |
| Tier 1 risk-based capital ratio | 483.1422% | 4 |
| Total risk-based capital ratio | 483.1422% | 4 |
| Memoranda: | ||
| Average total assets | $17,366,000 | 6,351 |
| Average earning assets | $17,028,500 | 6,322 |
| Average equity | $16,847,000 | 3,609 |
| Average total loans | $16,187,000 | 6,045 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4080% | 6,493 |
| Cost of funding earning assets | 0.0060% | 6,481 |
| Net interest margin | 0.4020% | 6,492 |
| Noninterest income to average assets | 0.0000% | 6,390 |
| Noninterest expense to average assets | 0.1153% | 6,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.1668% | 5,836 |
| Return on assets (ROA) | 0.1557% | 5,912 |
| Pretax return on assets | 0.2537% | 5,784 |
| Return on Equity (ROE) | 0.1605% | 6,091 |
| Retained earnings to average equity (ytd only) | 0.1605% | 5,703 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8507% | 6,464 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 93.2270% | 13 |
| Net loans and leases to deposits | 3,237.4000% | 4 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8797% | 6,494 |
| Equity capital to assets | 96.9994% | 3 |
| Core capital (leverage) ratio | 97.0058% | 4 |
| Tier 1 risk-based capital ratio | 482.4456% | 4 |
| Total risk-based capital ratio | 482.4456% | 4 |
| Memoranda: | ||
| Average total assets | $17,342,800 | 6,444 |
| Average earning assets | $16,665,600 | 6,414 |
| Average equity | $16,824,800 | 3,552 |
| Average total loans | $15,722,600 | 6,139 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4024% | 6,575 |
| Cost of funding earning assets | 0.0080% | 6,559 |
| Net interest margin | 0.3943% | 6,573 |
| Noninterest income to average assets | 0.0000% | 6,477 |
| Noninterest expense to average assets | 0.1154% | 6,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1609% | 5,928 |
| Return on assets (ROA) | 0.1461% | 5,987 |
| Pretax return on assets | 0.2384% | 5,889 |
| Return on Equity (ROE) | 0.1506% | 6,143 |
| Retained earnings to average equity (ytd only) | 0.1506% | 5,758 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6122% | 6,538 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 90.0236% | 56 |
| Net loans and leases to deposits | 3,124.0000% | 4 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8817% | 6,573 |
| Equity capital to assets | 97.0031% | 2 |
| Core capital (leverage) ratio | 97.0100% | 4 |
| Tier 1 risk-based capital ratio | 482.2165% | 3 |
| Total risk-based capital ratio | 482.2165% | 3 |
| Memoranda: | ||
| Average total assets | $17,337,750 | 6,522 |
| Average earning assets | $16,570,000 | 6,495 |
| Average equity | $16,820,500 | 3,569 |
| Average total loans | $15,606,500 | 6,211 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3979% | 6,640 |
| Cost of funding earning assets | 0.0121% | 6,620 |
| Net interest margin | 0.3858% | 6,638 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 0.1038% | 6,651 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1648% | 5,920 |
| Return on assets (ROA) | 0.1500% | 5,987 |
| Pretax return on assets | 0.2423% | 5,889 |
| Return on Equity (ROE) | 0.1546% | 6,193 |
| Retained earnings to average equity (ytd only) | 0.1546% | 5,639 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.1250% | 6,617 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 90.0444% | 49 |
| Net loans and leases to deposits | 3,124.0000% | 4 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8823% | 6,640 |
| Equity capital to assets | 97.0139% | 2 |
| Core capital (leverage) ratio | 97.0481% | 4 |
| Tier 1 risk-based capital ratio | 482.1828% | 3 |
| Total risk-based capital ratio | 482.1828% | 3 |
| Memoranda: | ||
| Average total assets | $17,333,330 | 6,587 |
| Average earning assets | $16,588,670 | 6,561 |
| Average equity | $16,817,000 | 3,561 |
| Average total loans | $15,602,000 | 6,268 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4097% | 6,714 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 0.4097% | 6,712 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 0.1154% | 6,727 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1681% | 5,884 |
| Return on assets (ROA) | 0.1385% | 5,986 |
| Pretax return on assets | 0.2309% | 5,869 |
| Return on Equity (ROE) | 0.1428% | 6,207 |
| Retained earnings to average equity (ytd only) | 0.1428% | 5,503 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.4118% | 6,679 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 89.9665% | 48 |
| Net loans and leases to deposits | 3,118.6000% | 4 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8848% | 6,712 |
| Equity capital to assets | 97.0228% | 3 |
| Core capital (leverage) ratio | 97.0134% | 4 |
| Tier 1 risk-based capital ratio | 481.8442% | 6 |
| Total risk-based capital ratio | 481.8442% | 6 |
| Memoranda: | ||
| Average total assets | $17,326,500 | 6,661 |
| Average earning assets | $16,599,000 | 6,631 |
| Average equity | $16,811,000 | 3,576 |
| Average total loans | $15,593,000 | 6,325 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4243% | 6,789 |
| Cost of funding earning assets | 0.0060% | 6,786 |
| Net interest margin | 0.4183% | 6,786 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 0.1271% | 6,805 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1670% | 5,899 |
| Return on assets (ROA) | 0.1559% | 5,993 |
| Pretax return on assets | 0.2599% | 5,830 |
| Return on Equity (ROE) | 0.1607% | 6,225 |
| Retained earnings to average equity (ytd only) | 0.1607% | 5,781 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.4286% | 6,756 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 90.0237% | 42 |
| Net loans and leases to deposits | 3,118.6000% | 4 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8867% | 6,795 |
| Equity capital to assets | 97.0267% | 4 |
| Core capital (leverage) ratio | 96.9956% | 5 |
| Tier 1 risk-based capital ratio | 480.7088% | 6 |
| Total risk-based capital ratio | 480.7088% | 6 |
| Memoranda: | ||
| Average total assets | $17,313,400 | 6,735 |
| Average earning assets | $16,733,800 | 6,705 |
| Average equity | $16,800,600 | 3,589 |
| Average total loans | $15,559,800 | 6,389 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4216% | 6,870 |
| Cost of funding earning assets | 0.0079% | 6,862 |
| Net interest margin | 0.4136% | 6,868 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 0.1001% | 6,888 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1842% | 5,949 |
| Return on assets (ROA) | 0.1694% | 6,060 |
| Pretax return on assets | 0.2773% | 5,921 |
| Return on Equity (ROE) | 0.1746% | 6,325 |
| Retained earnings to average equity (ytd only) | 0.1746% | 5,884 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.0000% | 6,856 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 89.8724% | 43 |
| Net loans and leases to deposits | 3,113.0000% | 4 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8870% | 6,873 |
| Equity capital to assets | 97.0322% | 3 |
| Core capital (leverage) ratio | 97.0059% | 3 |
| Tier 1 risk-based capital ratio | 481.1159% | 6 |
| Total risk-based capital ratio | 481.1159% | 6 |
| Memoranda: | ||
| Average total assets | $17,311,500 | 6,814 |
| Average earning assets | $16,761,750 | 6,781 |
| Average equity | $16,799,250 | 3,630 |
| Average total loans | $15,551,500 | 6,458 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4404% | 6,922 |
| Cost of funding earning assets | 0.0119% | 6,908 |
| Net interest margin | 0.4285% | 6,916 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 0.0924% | 6,936 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1955% | 5,908 |
| Return on assets (ROA) | 0.1733% | 6,083 |
| Pretax return on assets | 0.2889% | 5,904 |
| Return on Equity (ROE) | 0.1786% | 6,353 |
| Retained earnings to average equity (ytd only) | 0.1786% | 5,802 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.2222% | 6,912 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 89.9347% | 45 |
| Net loans and leases to deposits | 3,113.0000% | 4 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8890% | 6,925 |
| Equity capital to assets | 97.0474% | 2 |
| Core capital (leverage) ratio | 97.0495% | 4 |
| Tier 1 risk-based capital ratio | 481.0532% | 6 |
| Total risk-based capital ratio | 481.0532% | 6 |
| Memoranda: | ||
| Average total assets | $17,309,000 | 6,862 |
| Average earning assets | $16,801,330 | 6,831 |
| Average equity | $16,797,330 | 3,650 |
| Average total loans | $15,547,000 | 6,496 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4509% | 6,998 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 0.4509% | 6,993 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 0.0924% | 7,016 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2061% | 5,868 |
| Return on assets (ROA) | 0.1618% | 6,104 |
| Pretax return on assets | 0.2773% | 5,903 |
| Return on Equity (ROE) | 0.1667% | 6,394 |
| Retained earnings to average equity (ytd only) | 0.1667% | 5,728 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.0526% | 6,993 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 89.7372% | 44 |
| Net loans and leases to deposits | 3,107.6000% | 5 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8877% | 7,000 |
| Equity capital to assets | 97.0315% | 2 |
| Core capital (leverage) ratio | 97.0537% | 1 |
| Tier 1 risk-based capital ratio | 482.0660% | 6 |
| Total risk-based capital ratio | 482.0660% | 6 |
| Memoranda: | ||
| Average total assets | $17,310,000 | 6,936 |
| Average earning assets | $16,855,500 | 6,900 |
| Average equity | $16,798,000 | 3,696 |
| Average total loans | $15,538,000 | 6,554 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4018% | 7,062 |
| Cost of funding earning assets | 0.0063% | 7,067 |
| Net interest margin | 0.3955% | 7,057 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 0.2332% | 7,069 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.0920% | 6,022 |
| Return on assets (ROA) | 0.0920% | 6,167 |
| Pretax return on assets | 0.1534% | 6,062 |
| Return on Equity (ROE) | 0.0950% | 6,288 |
| Retained earnings to average equity (ytd only) | 0.0950% | 5,787 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3175% | 5,497 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 89.7891% | 51 |
| Net loans and leases to deposits | 3,107.6000% | 5 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8893% | 7,065 |
| Equity capital to assets | 97.0529% | 2 |
| Core capital (leverage) ratio | 103.3924% | 1 |
| Tier 1 risk-based capital ratio | 469.3404% | 8 |
| Total risk-based capital ratio | 469.3404% | 8 |
| Memoranda: | ||
| Average total assets | $16,297,600 | 7,004 |
| Average earning assets | $15,927,600 | 6,980 |
| Average equity | $15,786,800 | 3,813 |
| Average total loans | $15,531,600 | 6,628 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3998% | 7,168 |
| Cost of funding earning assets | 0.0085% | 7,164 |
| Net interest margin | 0.3912% | 7,166 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 0.2742% | 7,172 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0665% | 6,183 |
| Return on assets (ROA) | 0.0665% | 6,323 |
| Pretax return on assets | 0.1081% | 6,262 |
| Return on Equity (ROE) | 0.0687% | 6,396 |
| Retained earnings to average equity (ytd only) | 0.0687% | 6,051 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7391% | 3,372 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 96.7911% | 2 |
| Net loans and leases to deposits | 3,106.8000% | 5 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1155% | 7,168 |
| Equity capital to assets | 96.8160% | 2 |
| Core capital (leverage) ratio | 96.8100% | 3 |
| Tier 1 risk-based capital ratio | 467.0274% | 9 |
| Total risk-based capital ratio | 467.0274% | 9 |
| Memoranda: | ||
| Average total assets | $16,045,750 | 7,104 |
| Average earning assets | $15,676,000 | 7,079 |
| Average equity | $15,534,750 | 3,893 |
| Average total loans | $15,530,000 | 6,715 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4083% | 7,231 |
| Cost of funding earning assets | 0.0128% | 7,222 |
| Net interest margin | 0.3955% | 7,228 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 0.2244% | 7,238 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0997% | 6,159 |
| Return on assets (ROA) | 0.0997% | 6,311 |
| Pretax return on assets | 0.1620% | 6,206 |
| Return on Equity (ROE) | 0.1030% | 6,444 |
| Retained earnings to average equity (ytd only) | 0.1030% | 6,006 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0645% | 5,861 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 96.8092% | 2 |
| Net loans and leases to deposits | 3,106.8000% | 5 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1160% | 7,235 |
| Equity capital to assets | 96.8341% | 2 |
| Core capital (leverage) ratio | 96.7979% | 4 |
| Tier 1 risk-based capital ratio | 466.8870% | 5 |
| Total risk-based capital ratio | 466.8870% | 5 |
| Memoranda: | ||
| Average total assets | $16,044,670 | 7,164 |
| Average earning assets | $15,675,000 | 7,139 |
| Average equity | $15,533,670 | 3,882 |
| Average total loans | $15,528,670 | 6,766 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3829% | 7,295 |
| Cost of funding earning assets | 0.0000% | 7,293 |
| Net interest margin | 0.3829% | 7,293 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 0.2493% | 7,300 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0748% | 6,285 |
| Return on assets (ROA) | 0.0748% | 6,403 |
| Pretax return on assets | 0.1247% | 6,344 |
| Return on Equity (ROE) | 0.0773% | 6,511 |
| Retained earnings to average equity (ytd only) | 0.0773% | 5,953 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6667% | 4,432 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 96.7412% | 2 |
| Net loans and leases to deposits | 3,105.2000% | 5 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1155% | 7,296 |
| Equity capital to assets | 96.7848% | 2 |
| Core capital (leverage) ratio | 96.8150% | 3 |
| Tier 1 risk-based capital ratio | 466.8771% | 4 |
| Total risk-based capital ratio | 466.8771% | 4 |
| Memoranda: | ||
| Average total assets | $16,044,000 | 7,227 |
| Average earning assets | $15,671,500 | 7,201 |
| Average equity | $15,531,500 | 3,883 |
| Average total loans | $15,526,000 | 6,818 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4026% | 7,340 |
| Cost of funding earning assets | 0.0064% | 7,342 |
| Net interest margin | 0.3962% | 7,338 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 0.2807% | 7,345 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0748% | 5,912 |
| Return on assets (ROA) | 0.0748% | 6,027 |
| Pretax return on assets | 0.1060% | 5,962 |
| Return on Equity (ROE) | 0.0773% | 6,143 |
| Retained earnings to average equity (ytd only) | 0.0773% | 5,799 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5806% | 3,466 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 96.8015% | 3 |
| Net loans and leases to deposits | 3,105.2000% | 6 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1174% | 7,343 |
| Equity capital to assets | 96.8265% | 1 |
| Core capital (leverage) ratio | 96.8144% | 1 |
| Tier 1 risk-based capital ratio | 467.2082% | 3 |
| Total risk-based capital ratio | 467.2082% | 3 |
| Memoranda: | ||
| Average total assets | $16,033,800 | 7,272 |
| Average earning assets | $15,647,200 | 7,237 |
| Average equity | $15,523,600 | 3,813 |
| Average total loans | $15,504,400 | 6,881 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4007% | 7,421 |
| Cost of funding earning assets | 0.0085% | 7,416 |
| Net interest margin | 0.3921% | 7,415 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 0.2827% | 7,423 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0582% | 6,055 |
| Return on assets (ROA) | 0.0582% | 6,160 |
| Pretax return on assets | 0.0998% | 6,093 |
| Return on Equity (ROE) | 0.0601% | 6,245 |
| Retained earnings to average equity (ytd only) | 0.0601% | 5,934 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9130% | 3,197 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 96.6014% | 2 |
| Net loans and leases to deposits | 3,098.2000% | 6 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1180% | 7,421 |
| Equity capital to assets | 96.8134% | 3 |
| Core capital (leverage) ratio | 96.8013% | 1 |
| Tier 1 risk-based capital ratio | 467.4797% | 4 |
| Total risk-based capital ratio | 467.4797% | 4 |
| Memoranda: | ||
| Average total assets | $16,032,500 | 7,348 |
| Average earning assets | $15,641,250 | 7,313 |
| Average equity | $15,522,000 | 3,821 |
| Average total loans | $15,499,000 | 6,944 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3963% | 7,496 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 0.3963% | 7,487 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 0.2745% | 7,501 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0749% | 6,070 |
| Return on assets (ROA) | 0.0749% | 6,151 |
| Pretax return on assets | 0.1123% | 6,083 |
| Return on Equity (ROE) | 0.0773% | 6,286 |
| Retained earnings to average equity (ytd only) | 0.0773% | 5,804 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9677% | 3,936 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 96.6134% | 3 |
| Net loans and leases to deposits | 3,098.2000% | 7 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1184% | 7,497 |
| Equity capital to assets | 96.8193% | 2 |
| Core capital (leverage) ratio | 96.7951% | 1 |
| Tier 1 risk-based capital ratio | 467.4496% | 4 |
| Total risk-based capital ratio | 467.4496% | 4 |
| Memoranda: | ||
| Average total assets | $16,031,330 | 7,423 |
| Average earning assets | $15,643,670 | 7,389 |
| Average equity | $15,521,000 | 3,817 |
| Average total loans | $15,501,670 | 7,014 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3834% | 7,560 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 0.3834% | 7,553 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 0.2745% | 7,562 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0749% | 6,159 |
| Return on assets (ROA) | 0.0749% | 6,217 |
| Pretax return on assets | 0.0998% | 6,166 |
| Return on Equity (ROE) | 0.0773% | 6,366 |
| Retained earnings to average equity (ytd only) | 0.0773% | 5,761 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3333% | 3,631 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 96.7253% | 2 |
| Net loans and leases to deposits | 3,101.4000% | 5 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1188% | 7,561 |
| Equity capital to assets | 96.8126% | 1 |
| Core capital (leverage) ratio | 96.8126% | 1 |
| Tier 1 risk-based capital ratio | 467.7818% | 4 |
| Total risk-based capital ratio | 467.7818% | 4 |
| Memoranda: | ||
| Average total assets | $16,030,000 | 7,480 |
| Average earning assets | $15,648,500 | 7,447 |
| Average equity | $15,519,500 | 3,809 |
| Average total loans | $15,507,000 | 7,063 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3961% | 7,627 |
| Cost of funding earning assets | 0.0064% | 7,636 |
| Net interest margin | 0.3897% | 7,616 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 0.2984% | 7,629 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0475% | 5,704 |
| Return on assets (ROA) | 0.0435% | 5,857 |
| Pretax return on assets | 0.0746% | 5,749 |
| Return on Equity (ROE) | 0.0451% | 5,955 |
| Retained earnings to average equity (ytd only) | 0.0451% | 5,558 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6885% | 2,581 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 96.7494% | 3 |
| Net loans and leases to deposits | 3,101.4000% | 7 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1195% | 7,640 |
| Equity capital to assets | 96.8181% | 1 |
| Core capital (leverage) ratio | 96.8241% | 4 |
| Tier 1 risk-based capital ratio | 467.4096% | 5 |
| Total risk-based capital ratio | 467.4096% | 5 |
| Memoranda: | ||
| Average total assets | $16,083,600 | 7,552 |
| Average earning assets | $15,652,200 | 7,506 |
| Average equity | $15,515,400 | 3,862 |
| Average total loans | $15,510,600 | 7,140 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4004% | 7,743 |
| Cost of funding earning assets | 0.0085% | 7,740 |
| Net interest margin | 0.3918% | 7,731 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 0.3064% | 7,744 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0467% | 5,891 |
| Return on assets (ROA) | 0.0414% | 6,037 |
| Pretax return on assets | 0.0663% | 5,976 |
| Return on Equity (ROE) | 0.0430% | 6,116 |
| Retained earnings to average equity (ytd only) | 0.0430% | 5,761 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4348% | 2,286 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 96.8054% | 3 |
| Net loans and leases to deposits | 3,103.0000% | 7 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1197% | 7,744 |
| Equity capital to assets | 96.8116% | 2 |
| Core capital (leverage) ratio | 96.7814% | 4 |
| Tier 1 risk-based capital ratio | 467.3494% | 9 |
| Total risk-based capital ratio | 467.3494% | 9 |
| Memoranda: | ||
| Average total assets | $16,097,500 | 7,646 |
| Average earning assets | $15,652,750 | 7,599 |
| Average equity | $15,514,750 | 3,900 |
| Average total loans | $15,511,500 | 7,233 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3961% | 7,814 |
| Cost of funding earning assets | 0.0128% | 7,806 |
| Net interest margin | 0.3833% | 7,803 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 0.2109% | 7,819 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.0948% | 5,877 |
| Return on assets (ROA) | 0.0868% | 6,008 |
| Pretax return on assets | 0.1489% | 5,885 |
| Return on Equity (ROE) | 0.0902% | 6,170 |
| Retained earnings to average equity (ytd only) | 0.0902% | 5,704 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6667% | 6,550 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 96.7933% | 3 |
| Net loans and leases to deposits | 3,103.0000% | 7 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1193% | 7,811 |
| Equity capital to assets | 96.8120% | 3 |
| Core capital (leverage) ratio | 96.8422% | 4 |
| Tier 1 risk-based capital ratio | 466.5664% | 9 |
| Total risk-based capital ratio | 466.5664% | 9 |
| Memoranda: | ||
| Average total assets | $16,121,000 | 7,707 |
| Average earning assets | $15,651,670 | 7,662 |
| Average equity | $15,514,330 | 3,890 |
| Average total loans | $15,510,330 | 7,287 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4090% | 7,919 |
| Cost of funding earning assets | 0.0256% | 7,902 |
| Net interest margin | 0.3834% | 7,905 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 0.2227% | 7,923 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0901% | 6,051 |
| Return on assets (ROA) | 0.0742% | 6,207 |
| Pretax return on assets | 0.1237% | 6,079 |
| Return on Equity (ROE) | 0.0774% | 6,385 |
| Retained earnings to average equity (ytd only) | 0.0774% | 5,792 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0000% | 6,174 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 96.7315% | 2 |
| Net loans and leases to deposits | 3,101.6000% | 9 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1188% | 7,913 |
| Equity capital to assets | 96.7690% | 3 |
| Core capital (leverage) ratio | 96.3184% | 4 |
| Tier 1 risk-based capital ratio | 466.1659% | 7 |
| Total risk-based capital ratio | 466.1659% | 7 |
| Memoranda: | ||
| Average total assets | $16,167,000 | 7,809 |
| Average earning assets | $15,649,000 | 7,763 |
| Average equity | $15,512,500 | 3,918 |
| Average total loans | $15,508,000 | 7,380 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3174% | 7,992 |
| Cost of funding earning assets | 0.0436% | 7,984 |
| Net interest margin | 0.2738% | 7,983 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 0.2198% | 8,003 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0305% | 5,396 |
| Return on assets (ROA) | 0.0305% | 5,448 |
| Pretax return on assets | 0.0488% | 5,335 |
| Return on Equity (ROE) | 0.0322% | 5,530 |
| Retained earnings to average equity (ytd only) | 0.0322% | 4,894 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8182% | 2,629 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 95.1294% | 7 |
| Net loans and leases to deposits | 3,101.6000% | 9 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.0671% | 7,990 |
| Equity capital to assets | 95.1478% | 4 |
| Core capital (leverage) ratio | 97.6026% | 3 |
| Tier 1 risk-based capital ratio | 458.9053% | 5 |
| Total risk-based capital ratio | 458.9053% | 5 |
| Memoranda: | ||
| Average total assets | $16,379,400 | 7,871 |
| Average earning assets | $16,068,200 | 7,818 |
| Average equity | $15,511,000 | 3,968 |
| Average total loans | $15,927,000 | 7,407 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3050% | 8,082 |
| Cost of funding earning assets | 0.0577% | 8,062 |
| Net interest margin | 0.2473% | 8,074 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 0.1382% | 8,091 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0732% | 5,548 |
| Return on assets (ROA) | 0.0732% | 5,589 |
| Pretax return on assets | 0.1057% | 5,513 |
| Return on Equity (ROE) | 0.0774% | 5,752 |
| Retained earnings to average equity (ytd only) | 0.0774% | 5,171 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6667% | 6,912 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 96.7986% | 5 |
| Net loans and leases to deposits | 3,102.2000% | 9 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1203% | 8,078 |
| Equity capital to assets | 96.8235% | 2 |
| Core capital (leverage) ratio | 96.8175% | 4 |
| Tier 1 risk-based capital ratio | 467.4601% | 6 |
| Total risk-based capital ratio | 467.4601% | 6 |
| Memoranda: | ||
| Average total assets | $16,398,750 | 7,948 |
| Average earning assets | $16,172,750 | 7,892 |
| Average equity | $15,511,000 | 4,003 |
| Average total loans | $16,031,750 | 7,468 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3059% | 8,177 |
| Cost of funding earning assets | 0.0734% | 8,151 |
| Net interest margin | 0.2325% | 8,162 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.1089% | 8,188 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0726% | 5,638 |
| Return on assets (ROA) | 0.0726% | 5,733 |
| Pretax return on assets | 0.1210% | 5,624 |
| Return on Equity (ROE) | 0.0774% | 5,895 |
| Retained earnings to average equity (ytd only) | 0.0774% | 5,172 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3684% | 7,790 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 96.7925% | 5 |
| Net loans and leases to deposits | 3,102.2000% | 9 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1201% | 8,176 |
| Equity capital to assets | 96.7988% | 3 |
| Core capital (leverage) ratio | 92.6311% | 9 |
| Tier 1 risk-based capital ratio | 464.7094% | 4 |
| Total risk-based capital ratio | 464.7094% | 4 |
| Memoranda: | ||
| Average total assets | $16,523,670 | 8,029 |
| Average earning assets | $16,346,670 | 7,967 |
| Average equity | $15,509,670 | 4,016 |
| Average total loans | $16,205,330 | 7,527 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2875% | 8,236 |
| Cost of funding earning assets | 0.0719% | 8,209 |
| Net interest margin | 0.2156% | 8,219 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.0238% | 8,245 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1192% | 5,926 |
| Return on assets (ROA) | 0.1192% | 6,088 |
| Pretax return on assets | 0.1908% | 5,963 |
| Return on Equity (ROE) | 0.1290% | 6,383 |
| Retained earnings to average equity (ytd only) | 0.1290% | 5,608 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.1111% | 8,209 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 98.6006% | 3 |
| Net loans and leases to deposits | 3,311.6000% | 10 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.9774% | 8,227 |
| Equity capital to assets | 92.3659% | 7 |
| Core capital (leverage) ratio | 92.6085% | 7 |
| Tier 1 risk-based capital ratio | 444.3140% | 5 |
| Total risk-based capital ratio | 444.3140% | 5 |
| Memoranda: | ||
| Average total assets | $16,773,000 | 8,070 |
| Average earning assets | $16,694,000 | 8,010 |
| Average equity | $15,508,500 | 4,038 |
| Average total loans | $16,552,500 | 7,554 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1660% | 8,210 |
| Cost of funding earning assets | 0.1755% | 8,247 |
| Net interest margin | 1.9906% | 8,068 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.5004% | 8,260 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.9263% | 2,893 |
| Return on assets (ROA) | 0.9224% | 2,757 |
| Pretax return on assets | 1.4771% | 1,746 |
| Return on Equity (ROE) | 0.9902% | 5,921 |
| Retained earnings to average equity (ytd only) | 0.9902% | 4,636 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.2280% | 8,248 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 98.7704% | 2 |
| Net loans and leases to deposits | 3,309.4000% | 9 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.9845% | 8,284 |
| Equity capital to assets | 92.5566% | 7 |
| Core capital (leverage) ratio | 92.7226% | 11 |
| Tier 1 risk-based capital ratio | 443.7894% | 7 |
| Total risk-based capital ratio | 443.7894% | 7 |
| Memoranda: | ||
| Average total assets | $16,587,000 | 8,119 |
| Average earning assets | $16,528,000 | 8,051 |
| Average equity | $15,451,200 | 4,037 |
| Average total loans | $13,142,200 | 7,762 |