Home > ClearPoint Federal Bank & Trust > Performance and Condition Ratios
ClearPoint Federal Bank & Trust, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0304% | 4,516 |
| Cost of funding earning assets | 0.6219% | 4,038 |
| Net interest margin | 2.4086% | 4,180 |
| Noninterest income to average assets | 5.2700% | 124 |
| Noninterest expense to average assets | 4.8585% | 238 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 2.3861% | 269 |
| Return on assets (ROA) | 2.3631% | 270 |
| Pretax return on assets | 2.6241% | 297 |
| Return on Equity (ROE) | 27.6400% | 227 |
| Retained earnings to average equity (ytd only) | 27.6408% | 56 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 64.7093% | 2,521 |
| Assets per employee ($millions) | 4.1603% | 4,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 87.2600% | 1,601 |
| Equity capital to assets | 11.4365% | 1,312 |
| Core capital (leverage) ratio | 17.4280% | 375 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $113,410,000 | 3,711 |
| Average earning assets | $105,166,000 | 3,693 |
| Average equity | $9,695,800 | 3,751 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0042% | 4,526 |
| Cost of funding earning assets | 0.6078% | 3,956 |
| Net interest margin | 2.3964% | 4,232 |
| Noninterest income to average assets | 5.2900% | 122 |
| Noninterest expense to average assets | 5.9305% | 181 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5477% | 1,029 |
| Return on assets (ROA) | 1.5137% | 1,088 |
| Pretax return on assets | 1.5388% | 1,488 |
| Return on Equity (ROE) | 19.4800% | 776 |
| Retained earnings to average equity (ytd only) | 19.4838% | 279 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 79.0320% | 927 |
| Assets per employee ($millions) | 3.9579% | 4,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 93.8500% | 196 |
| Equity capital to assets | 4.9116% | 4,266 |
| Core capital (leverage) ratio | 16.7999% | 426 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $111,600,250 | 3,738 |
| Average earning assets | $103,096,000 | 3,725 |
| Average equity | $8,670,250 | 3,866 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9175% | 4,566 |
| Cost of funding earning assets | 0.5723% | 3,827 |
| Net interest margin | 2.3452% | 4,338 |
| Noninterest income to average assets | 5.2100% | 116 |
| Noninterest expense to average assets | 6.1398% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.2927% | 1,589 |
| Return on assets (ROA) | 1.2408% | 1,712 |
| Pretax return on assets | 1.1908% | 2,385 |
| Return on Equity (ROE) | 14.2400% | 1,634 |
| Retained earnings to average equity (ytd only) | 14.2417% | 654 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 83.1678% | 646 |
| Assets per employee ($millions) | 3.8819% | 4,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 90.4600% | 795 |
| Equity capital to assets | 8.6271% | 2,759 |
| Core capital (leverage) ratio | 16.4200% | 433 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $111,860,333 | 3,750 |
| Average earning assets | $103,787,333 | 3,739 |
| Average equity | $9,746,000 | 3,771 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8420% | 4,594 |
| Cost of funding earning assets | 0.5537% | 3,523 |
| Net interest margin | 2.2883% | 4,455 |
| Noninterest income to average assets | 5.1500% | 124 |
| Noninterest expense to average assets | 6.1989% | 174 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.1766% | 2,001 |
| Return on assets (ROA) | 1.0726% | 2,282 |
| Pretax return on assets | 0.9686% | 3,085 |
| Return on Equity (ROE) | 12.2500% | 2,156 |
| Retained earnings to average equity (ytd only) | 12.2503% | 1,222 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 85.2491% | 536 |
| Assets per employee ($millions) | 4.1894% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 89.2900% | 1,424 |
| Equity capital to assets | 9.6584% | 2,030 |
| Core capital (leverage) ratio | 16.4163% | 428 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $111,503,000 | 3,808 |
| Average earning assets | $103,306,000 | 3,791 |
| Average equity | $9,763,000 | 3,815 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5391% | 4,488 |
| Cost of funding earning assets | 0.3519% | 2,460 |
| Net interest margin | 2.1871% | 4,484 |
| Noninterest income to average assets | 5.2900% | 127 |
| Noninterest expense to average assets | 6.9742% | 147 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.5921% | 3,902 |
| Return on assets (ROA) | 0.5921% | 3,863 |
| Pretax return on assets | 0.3696% | 4,314 |
| Return on Equity (ROE) | 5.2700% | 3,973 |
| Retained earnings to average equity (ytd only) | 5.2657% | 2,943 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 94.9672% | 215 |
| Assets per employee ($millions) | 3.9247% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 90.9300% | 985 |
| Equity capital to assets | 7.8268% | 3,171 |
| Core capital (leverage) ratio | 16.3426% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $110,120,800 | 3,833 |
| Average earning assets | $103,423,800 | 3,802 |
| Average equity | $12,382,000 | 3,633 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4625% | 4,463 |
| Cost of funding earning assets | 0.3182% | 1,981 |
| Net interest margin | 2.1442% | 4,494 |
| Noninterest income to average assets | 5.3800% | 131 |
| Noninterest expense to average assets | 7.0551% | 142 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5736% | 3,904 |
| Return on assets (ROA) | 0.5736% | 3,854 |
| Pretax return on assets | 0.3497% | 4,330 |
| Return on Equity (ROE) | 4.7400% | 4,024 |
| Retained earnings to average equity (ytd only) | 4.7420% | 3,179 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 95.2770% | 209 |
| Assets per employee ($millions) | 3.6348% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 93.3100% | 497 |
| Equity capital to assets | 5.0052% | 4,296 |
| Core capital (leverage) ratio | 16.5519% | 398 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $110,178,000 | 3,857 |
| Average earning assets | $103,904,500 | 3,818 |
| Average equity | $13,327,250 | 3,581 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3462% | 4,493 |
| Cost of funding earning assets | 0.2897% | 1,804 |
| Net interest margin | 2.0564% | 4,530 |
| Noninterest income to average assets | 5.4828% | 90 |
| Noninterest expense to average assets | 6.4169% | 117 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0969% | 1,782 |
| Return on assets (ROA) | 1.0969% | 1,760 |
| Pretax return on assets | 1.0218% | 2,650 |
| Return on Equity (ROE) | 7.6572% | 3,116 |
| Retained earnings to average equity (ytd only) | 7.6572% | 1,747 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2641% | 572 |
| Assets per employee ($millions) | 3.4654% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 89.2952% | 2,049 |
| Equity capital to assets | 10.0020% | 1,715 |
| Core capital (leverage) ratio | 16.9991% | 321 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $111,767,333 | 3,880 |
| Average earning assets | $106,300,667 | 3,844 |
| Average equity | $16,011,000 | 3,407 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2364% | 4,510 |
| Cost of funding earning assets | 0.2791% | 1,830 |
| Net interest margin | 1.9573% | 4,541 |
| Noninterest income to average assets | 5.4732% | 96 |
| Noninterest expense to average assets | 5.6768% | 138 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 1.5974% | 515 |
| Return on assets (ROA) | 1.5974% | 512 |
| Pretax return on assets | 1.6676% | 730 |
| Return on Equity (ROE) | 9.7619% | 2,064 |
| Retained earnings to average equity (ytd only) | 9.7619% | 1,082 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2945% | 1,370 |
| Assets per employee ($millions) | 4.0917% | 4,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 85.7651% | 3,327 |
| Equity capital to assets | 13.8783% | 546 |
| Core capital (leverage) ratio | 17.0353% | 292 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,937,000 | 3,876 |
| Average earning assets | $108,925,500 | 3,829 |
| Average equity | $18,644,000 | 3,267 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1439% | 4,638 |
| Cost of funding earning assets | 0.2787% | 2,613 |
| Net interest margin | 1.8653% | 4,645 |
| Noninterest income to average assets | 4.9996% | 109 |
| Noninterest expense to average assets | 5.6388% | 141 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.1756% | 2,004 |
| Return on assets (ROA) | 1.1929% | 2,005 |
| Pretax return on assets | 1.1704% | 2,759 |
| Return on Equity (ROE) | 6.3361% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.3361% | 2,208 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0217% | 620 |
| Assets per employee ($millions) | 4.1928% | 4,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 79.6165% | 4,253 |
| Equity capital to assets | 18.7020% | 228 |
| Core capital (leverage) ratio | 16.8856% | 296 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,769,800 | 3,844 |
| Average earning assets | $111,243,400 | 3,798 |
| Average equity | $21,795,600 | 3,074 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1403% | 4,731 |
| Cost of funding earning assets | 0.2790% | 2,812 |
| Net interest margin | 1.8613% | 4,725 |
| Noninterest income to average assets | 4.9940% | 112 |
| Noninterest expense to average assets | 5.4447% | 146 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 1.3245% | 1,746 |
| Return on assets (ROA) | 1.3245% | 1,805 |
| Pretax return on assets | 1.3384% | 2,520 |
| Return on Equity (ROE) | 7.0233% | 3,663 |
| Retained earnings to average equity (ytd only) | 7.0233% | 2,411 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2692% | 727 |
| Assets per employee ($millions) | 4.0104% | 4,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 80.0829% | 4,216 |
| Equity capital to assets | 18.5646% | 250 |
| Core capital (leverage) ratio | 16.8690% | 323 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,362,500 | 3,896 |
| Average earning assets | $110,886,750 | 3,847 |
| Average equity | $21,755,500 | 3,115 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1393% | 4,781 |
| Cost of funding earning assets | 0.2785% | 2,999 |
| Net interest margin | 1.8608% | 4,770 |
| Noninterest income to average assets | 4.8518% | 118 |
| Noninterest expense to average assets | 5.3594% | 154 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 1.2777% | 1,929 |
| Return on assets (ROA) | 1.2777% | 2,004 |
| Pretax return on assets | 1.2812% | 2,680 |
| Return on Equity (ROE) | 6.7399% | 3,721 |
| Retained earnings to average equity (ytd only) | 6.7399% | 2,525 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7068% | 742 |
| Assets per employee ($millions) | 4.1315% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 79.3702% | 4,305 |
| Equity capital to assets | 19.1326% | 221 |
| Core capital (leverage) ratio | 16.8099% | 316 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $115,049,333 | 3,915 |
| Average earning assets | $110,597,000 | 3,867 |
| Average equity | $21,810,333 | 3,104 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1405% | 4,805 |
| Cost of funding earning assets | 0.2794% | 3,193 |
| Net interest margin | 1.8612% | 4,788 |
| Noninterest income to average assets | 4.8007% | 124 |
| Noninterest expense to average assets | 5.1319% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4085% | 1,551 |
| Return on assets (ROA) | 1.4085% | 1,621 |
| Pretax return on assets | 1.4573% | 2,116 |
| Return on Equity (ROE) | 7.4645% | 3,480 |
| Retained earnings to average equity (ytd only) | 7.4645% | 2,428 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8836% | 962 |
| Assets per employee ($millions) | 3.9230% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 80.1667% | 4,178 |
| Equity capital to assets | 18.5931% | 238 |
| Core capital (leverage) ratio | 16.5555% | 342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,733,000 | 3,920 |
| Average earning assets | $110,253,500 | 3,871 |
| Average equity | $21,649,000 | 3,109 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2661% | 4,885 |
| Cost of funding earning assets | 0.4039% | 3,556 |
| Net interest margin | 1.8622% | 4,871 |
| Noninterest income to average assets | 4.5009% | 122 |
| Noninterest expense to average assets | 5.3201% | 167 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0264% | 2,193 |
| Return on assets (ROA) | 1.0440% | 2,267 |
| Pretax return on assets | 0.9834% | 3,096 |
| Return on Equity (ROE) | 5.7974% | 3,639 |
| Retained earnings to average equity (ytd only) | 5.7974% | 1,903 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6347% | 589 |
| Assets per employee ($millions) | 4.1321% | 4,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 79.2062% | 4,180 |
| Equity capital to assets | 19.1403% | 226 |
| Core capital (leverage) ratio | 16.2436% | 366 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,888,000 | 3,826 |
| Average earning assets | $109,172,200 | 3,777 |
| Average equity | $20,509,200 | 3,141 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3181% | 4,935 |
| Cost of funding earning assets | 0.4376% | 3,597 |
| Net interest margin | 1.8805% | 4,920 |
| Noninterest income to average assets | 4.4735% | 120 |
| Noninterest expense to average assets | 5.3868% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9180% | 2,632 |
| Return on assets (ROA) | 0.9415% | 2,686 |
| Pretax return on assets | 0.9133% | 3,343 |
| Return on Equity (ROE) | 5.3132% | 3,785 |
| Retained earnings to average equity (ytd only) | 5.3132% | 2,424 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8240% | 511 |
| Assets per employee ($millions) | 3.9456% | 4,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 79.8214% | 3,899 |
| Equity capital to assets | 18.6816% | 259 |
| Core capital (leverage) ratio | 16.0233% | 415 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,435,500 | 3,823 |
| Average earning assets | $108,763,750 | 3,778 |
| Average equity | $20,100,250 | 3,173 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3836% | 4,982 |
| Cost of funding earning assets | 0.4852% | 3,625 |
| Net interest margin | 1.8984% | 4,968 |
| Noninterest income to average assets | 4.3198% | 118 |
| Noninterest expense to average assets | 5.6849% | 147 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.5641% | 3,849 |
| Return on assets (ROA) | 0.5977% | 3,823 |
| Pretax return on assets | 0.4880% | 4,271 |
| Return on Equity (ROE) | 3.4358% | 4,253 |
| Retained earnings to average equity (ytd only) | 3.4358% | 3,206 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5979% | 331 |
| Assets per employee ($millions) | 3.9283% | 4,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 79.9494% | 3,852 |
| Equity capital to assets | 18.3687% | 275 |
| Core capital (leverage) ratio | 15.5476% | 489 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,106,333 | 3,815 |
| Average earning assets | $108,407,667 | 3,764 |
| Average equity | $19,675,000 | 3,208 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4760% | 5,051 |
| Cost of funding earning assets | 0.5642% | 3,621 |
| Net interest margin | 1.9118% | 5,035 |
| Noninterest income to average assets | 4.3372% | 102 |
| Noninterest expense to average assets | 5.8386% | 159 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4685% | 3,975 |
| Return on assets (ROA) | 0.4685% | 4,031 |
| Pretax return on assets | 0.3265% | 4,409 |
| Return on Equity (ROE) | 2.7717% | 4,273 |
| Retained earnings to average equity (ytd only) | 2.7717% | 3,171 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7035% | 360 |
| Assets per employee ($millions) | 4.0147% | 3,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 81.2981% | 3,602 |
| Equity capital to assets | 17.5445% | 391 |
| Core capital (leverage) ratio | 15.1668% | 658 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $112,698,500 | 3,806 |
| Average earning assets | $107,754,000 | 3,756 |
| Average equity | $19,049,500 | 3,269 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7196% | 5,106 |
| Cost of funding earning assets | 0.6097% | 3,598 |
| Net interest margin | 2.1099% | 5,077 |
| Noninterest income to average assets | 4.3122% | 106 |
| Noninterest expense to average assets | 5.4969% | 161 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.8140% | 3,519 |
| Return on assets (ROA) | 0.8160% | 3,599 |
| Pretax return on assets | 0.8297% | 3,916 |
| Return on Equity (ROE) | 4.8779% | 4,243 |
| Retained earnings to average equity (ytd only) | 4.8779% | 2,481 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9127% | 492 |
| Assets per employee ($millions) | 4.0352% | 3,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 82.5093% | 3,355 |
| Equity capital to assets | 16.3126% | 552 |
| Core capital (leverage) ratio | 15.0636% | 675 |
| Tier 1 risk-based capital ratio | 64.0731% | 84 |
| Total risk-based capital ratio | 64.0731% | 86 |
| Memoranda: | ||
| Average total assets | $101,966,400 | 3,969 |
| Average earning assets | $97,255,600 | 3,923 |
| Average equity | $17,056,400 | 3,427 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7777% | 5,185 |
| Cost of funding earning assets | 0.5874% | 3,752 |
| Net interest margin | 2.1903% | 5,148 |
| Noninterest income to average assets | 4.4160% | 105 |
| Noninterest expense to average assets | 5.3957% | 169 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0254% | 2,886 |
| Return on assets (ROA) | 1.0254% | 2,962 |
| Pretax return on assets | 1.1101% | 3,265 |
| Return on Equity (ROE) | 6.0870% | 4,011 |
| Retained earnings to average equity (ytd only) | 6.0870% | 2,328 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9374% | 693 |
| Assets per employee ($millions) | 3.8128% | 4,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 80.9716% | 3,767 |
| Equity capital to assets | 17.9308% | 395 |
| Core capital (leverage) ratio | 16.5312% | 499 |
| Tier 1 risk-based capital ratio | 63.4719% | 83 |
| Total risk-based capital ratio | 63.4719% | 84 |
| Memoranda: | ||
| Average total assets | $99,211,500 | 4,056 |
| Average earning assets | $94,657,500 | 4,004 |
| Average equity | $16,712,750 | 3,498 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8672% | 5,234 |
| Cost of funding earning assets | 0.5670% | 3,803 |
| Net interest margin | 2.3002% | 5,192 |
| Noninterest income to average assets | 4.3321% | 105 |
| Noninterest expense to average assets | 5.2283% | 187 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.1718% | 2,250 |
| Return on assets (ROA) | 1.1718% | 2,327 |
| Pretax return on assets | 1.3066% | 2,543 |
| Return on Equity (ROE) | 7.1169% | 3,633 |
| Retained earnings to average equity (ytd only) | 7.1169% | 1,753 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0062% | 963 |
| Assets per employee ($millions) | 3.7059% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 81.4651% | 3,674 |
| Equity capital to assets | 17.5914% | 417 |
| Core capital (leverage) ratio | 16.6417% | 470 |
| Tier 1 risk-based capital ratio | 56.9848% | 100 |
| Total risk-based capital ratio | 56.9848% | 105 |
| Memoranda: | ||
| Average total assets | $97,966,670 | 4,098 |
| Average earning assets | $93,819,330 | 4,040 |
| Average equity | $16,130,670 | 3,558 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9153% | 5,295 |
| Cost of funding earning assets | 0.4694% | 4,208 |
| Net interest margin | 2.4459% | 5,209 |
| Noninterest income to average assets | 4.1849% | 108 |
| Noninterest expense to average assets | 5.0351% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.3083% | 1,672 |
| Return on assets (ROA) | 1.3083% | 1,711 |
| Pretax return on assets | 1.4940% | 1,789 |
| Return on Equity (ROE) | 8.2364% | 3,149 |
| Retained earnings to average equity (ytd only) | 8.2364% | 1,580 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1176% | 1,367 |
| Assets per employee ($millions) | 3.7505% | 4,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | 0.0000% | 5,323 |
| Total domestic deposits to total assets | 82.9563% | 3,402 |
| Equity capital to assets | 16.5751% | 489 |
| Core capital (leverage) ratio | 16.4426% | 476 |
| Tier 1 risk-based capital ratio | 57.0340% | 100 |
| Total risk-based capital ratio | 57.0340% | 103 |
| Memoranda: | ||
| Average total assets | $96,920,000 | 4,152 |
| Average earning assets | $92,889,500 | 4,100 |
| Average equity | $15,395,000 | 3,658 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8873% | 5,264 |
| Cost of funding earning assets | 0.2960% | 4,589 |
| Net interest margin | 2.5913% | 5,159 |
| Noninterest income to average assets | 4.3471% | 104 |
| Noninterest expense to average assets | 5.2746% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3237% | 1,703 |
| Return on assets (ROA) | 1.3347% | 1,659 |
| Pretax return on assets | 1.5548% | 1,604 |
| Return on Equity (ROE) | 8.9269% | 3,031 |
| Retained earnings to average equity (ytd only) | 8.9269% | 892 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3789% | 1,193 |
| Assets per employee ($millions) | 4.1881% | 3,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 83.9618% | 3,010 |
| Equity capital to assets | 15.1849% | 671 |
| Core capital (leverage) ratio | 15.7459% | 559 |
| Tier 1 risk-based capital ratio | 56.5963% | 96 |
| Total risk-based capital ratio | 56.5963% | 100 |
| Memoranda: | ||
| Average total assets | $93,580,600 | 4,206 |
| Average earning assets | $89,183,000 | 4,160 |
| Average equity | $13,991,400 | 3,750 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8368% | 5,344 |
| Cost of funding earning assets | 0.2488% | 4,791 |
| Net interest margin | 2.5879% | 5,226 |
| Noninterest income to average assets | 4.3575% | 105 |
| Noninterest expense to average assets | 5.2919% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.2845% | 1,915 |
| Return on assets (ROA) | 1.2989% | 1,866 |
| Pretax return on assets | 1.5458% | 1,742 |
| Return on Equity (ROE) | 8.7232% | 3,227 |
| Retained earnings to average equity (ytd only) | 8.7232% | 1,333 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5884% | 1,160 |
| Assets per employee ($millions) | 3.7653% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 85.6943% | 2,333 |
| Equity capital to assets | 13.6274% | 1,089 |
| Core capital (leverage) ratio | 16.0071% | 514 |
| Tier 1 risk-based capital ratio | 52.1417% | 121 |
| Total risk-based capital ratio | 52.1417% | 125 |
| Memoranda: | ||
| Average total assets | $92,894,250 | 4,267 |
| Average earning assets | $88,407,750 | 4,213 |
| Average equity | $13,832,500 | 3,799 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8441% | 5,392 |
| Cost of funding earning assets | 0.2320% | 4,837 |
| Net interest margin | 2.6121% | 5,268 |
| Noninterest income to average assets | 4.3628% | 110 |
| Noninterest expense to average assets | 5.4655% | 170 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1655% | 2,325 |
| Return on assets (ROA) | 1.1729% | 2,302 |
| Pretax return on assets | 1.3987% | 2,151 |
| Return on Equity (ROE) | 7.6449% | 3,651 |
| Retained earnings to average equity (ytd only) | 7.6449% | 1,777 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7250% | 1,043 |
| Assets per employee ($millions) | 3.4855% | 4,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 84.3375% | 2,942 |
| Equity capital to assets | 15.0810% | 671 |
| Core capital (leverage) ratio | 16.3496% | 458 |
| Tier 1 risk-based capital ratio | 53.2448% | 115 |
| Total risk-based capital ratio | 53.2448% | 120 |
| Memoranda: | ||
| Average total assets | $91,226,330 | 4,335 |
| Average earning assets | $87,056,330 | 4,273 |
| Average equity | $13,996,330 | 3,798 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8236% | 5,445 |
| Cost of funding earning assets | 0.1922% | 5,065 |
| Net interest margin | 2.6314% | 5,303 |
| Noninterest income to average assets | 4.1736% | 115 |
| Noninterest expense to average assets | 5.6158% | 162 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.8858% | 3,353 |
| Return on assets (ROA) | 0.9003% | 3,293 |
| Pretax return on assets | 1.0882% | 3,213 |
| Return on Equity (ROE) | 5.8188% | 4,220 |
| Retained earnings to average equity (ytd only) | 5.8188% | 2,797 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9869% | 798 |
| Assets per employee ($millions) | 3.7770% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | 0.0000% | 5,567 |
| Total domestic deposits to total assets | 84.6880% | 3,034 |
| Equity capital to assets | 15.0693% | 655 |
| Core capital (leverage) ratio | 15.8042% | 512 |
| Tier 1 risk-based capital ratio | 51.0201% | 126 |
| Total risk-based capital ratio | 51.0201% | 130 |
| Memoranda: | ||
| Average total assets | $91,527,500 | 4,377 |
| Average earning assets | $87,405,500 | 4,314 |
| Average equity | $14,161,000 | 3,807 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6574% | 5,508 |
| Cost of funding earning assets | 0.1893% | 5,026 |
| Net interest margin | 2.4682% | 5,426 |
| Noninterest income to average assets | 3.7480% | 137 |
| Noninterest expense to average assets | 4.6450% | 278 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0832% | 1,921 |
| Return on assets (ROA) | 1.0917% | 1,903 |
| Pretax return on assets | 1.4873% | 1,693 |
| Return on Equity (ROE) | 6.5691% | 3,497 |
| Retained earnings to average equity (ytd only) | -9.3445% | 5,520 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8901% | 1,633 |
| Assets per employee ($millions) | 3.6956% | 4,437 |
| Cash dividends to net income (ytd only)* | 242.2481% | 77 |
| 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 | 83.4421% | 3,407 |
| Equity capital to assets | 15.8273% | 535 |
| Core capital (leverage) ratio | 15.5602% | 534 |
| Tier 1 risk-based capital ratio | 46.3966% | 146 |
| Total risk-based capital ratio | 46.3966% | 154 |
| Memoranda: | ||
| Average total assets | $94,531,200 | 4,335 |
| Average earning assets | $90,877,000 | 4,267 |
| Average equity | $15,709,800 | 3,639 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6595% | 5,575 |
| Cost of funding earning assets | 0.1881% | 5,068 |
| Net interest margin | 2.4714% | 5,492 |
| Noninterest income to average assets | 3.5848% | 151 |
| Noninterest expense to average assets | 4.5090% | 314 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0737% | 2,210 |
| Return on assets (ROA) | 1.1360% | 1,988 |
| Pretax return on assets | 1.5371% | 1,639 |
| Return on Equity (ROE) | 6.7576% | 3,784 |
| Retained earnings to average equity (ytd only) | -14.0993% | 5,656 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6293% | 1,650 |
| Assets per employee ($millions) | 3.7316% | 4,408 |
| Cash dividends to net income (ytd only)* | 308.6428% | 32 |
| 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 | 82.8715% | 3,501 |
| Equity capital to assets | 15.6878% | 601 |
| Core capital (leverage) ratio | 15.0811% | 644 |
| Tier 1 risk-based capital ratio | 44.5150% | 170 |
| Total risk-based capital ratio | 44.5150% | 179 |
| Memoranda: | ||
| Average total assets | $95,066,250 | 4,370 |
| Average earning assets | $91,443,500 | 4,298 |
| Average equity | $15,981,500 | 3,632 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6368% | 5,617 |
| Cost of funding earning assets | 0.1871% | 5,090 |
| Net interest margin | 2.4497% | 5,534 |
| Noninterest income to average assets | 3.4581% | 163 |
| Noninterest expense to average assets | 4.2526% | 397 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1313% | 1,850 |
| Return on assets (ROA) | 1.1771% | 1,712 |
| Pretax return on assets | 1.6224% | 1,270 |
| Return on Equity (ROE) | 6.8532% | 3,634 |
| Retained earnings to average equity (ytd only) | 6.8532% | 1,664 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1655% | 2,157 |
| Assets per employee ($millions) | 3.8516% | 4,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 81.5067% | 4,043 |
| Equity capital to assets | 17.8390% | 335 |
| Core capital (leverage) ratio | 17.3857% | 337 |
| Tier 1 risk-based capital ratio | 49.8483% | 120 |
| Total risk-based capital ratio | 49.8483% | 130 |
| Memoranda: | ||
| Average total assets | $95,658,670 | 4,384 |
| Average earning assets | $91,930,670 | 4,311 |
| Average equity | $16,430,330 | 3,587 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5939% | 5,686 |
| Cost of funding earning assets | 0.1881% | 5,088 |
| Net interest margin | 2.4058% | 5,616 |
| Noninterest income to average assets | 3.2682% | 183 |
| Noninterest expense to average assets | 4.1618% | 443 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0253% | 2,192 |
| Return on assets (ROA) | 1.1160% | 1,846 |
| Pretax return on assets | 1.5397% | 1,414 |
| Return on Equity (ROE) | 6.6264% | 3,593 |
| Retained earnings to average equity (ytd only) | 6.6264% | 2,013 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6426% | 2,115 |
| Assets per employee ($millions) | 3.9530% | 4,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 82.5061% | 4,009 |
| Equity capital to assets | 17.0965% | 377 |
| Core capital (leverage) ratio | 16.8407% | 375 |
| Tier 1 risk-based capital ratio | 50.5268% | 124 |
| Total risk-based capital ratio | 50.5268% | 133 |
| Memoranda: | ||
| Average total assets | $95,343,500 | 4,433 |
| Average earning assets | $91,447,000 | 4,360 |
| Average equity | $16,057,000 | 3,656 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4625% | 5,765 |
| Cost of funding earning assets | 0.1998% | 5,012 |
| Net interest margin | 2.2627% | 5,727 |
| Noninterest income to average assets | 2.8249% | 224 |
| Noninterest expense to average assets | 3.8262% | 760 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7898% | 3,349 |
| Return on assets (ROA) | 0.9242% | 2,824 |
| Pretax return on assets | 1.3680% | 2,046 |
| Return on Equity (ROE) | 5.5822% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.5822% | 1,963 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5776% | 1,906 |
| Assets per employee ($millions) | 3.9923% | 3,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 82.0350% | 4,066 |
| Equity capital to assets | 16.5884% | 431 |
| Core capital (leverage) ratio | 15.8633% | 477 |
| Tier 1 risk-based capital ratio | 48.7488% | 143 |
| Total risk-based capital ratio | 48.7488% | 151 |
| Memoranda: | ||
| Average total assets | $101,171,000 | 4,331 |
| Average earning assets | $97,096,000 | 4,252 |
| Average equity | $16,749,800 | 3,585 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4409% | 5,835 |
| Cost of funding earning assets | 0.2030% | 5,043 |
| Net interest margin | 2.2380% | 5,801 |
| Noninterest income to average assets | 2.7366% | 233 |
| Noninterest expense to average assets | 3.7693% | 773 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7525% | 3,594 |
| Return on assets (ROA) | 0.8675% | 3,185 |
| Pretax return on assets | 1.2902% | 2,469 |
| Return on Equity (ROE) | 5.2424% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.2424% | 2,671 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1155% | 1,821 |
| Assets per employee ($millions) | 4.7466% | 2,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 81.3771% | 4,142 |
| Equity capital to assets | 16.8149% | 447 |
| Core capital (leverage) ratio | 15.9993% | 473 |
| Tier 1 risk-based capital ratio | 45.5052% | 174 |
| Total risk-based capital ratio | 45.5052% | 181 |
| Memoranda: | ||
| Average total assets | $102,510,250 | 4,348 |
| Average earning assets | $98,540,000 | 4,262 |
| Average equity | $16,963,750 | 3,583 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4417% | 5,914 |
| Cost of funding earning assets | 0.2142% | 4,999 |
| Net interest margin | 2.2275% | 5,889 |
| Noninterest income to average assets | 2.7093% | 231 |
| Noninterest expense to average assets | 3.7459% | 822 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7242% | 3,677 |
| Return on assets (ROA) | 0.8952% | 3,009 |
| Pretax return on assets | 1.3664% | 2,141 |
| Return on Equity (ROE) | 5.4398% | 4,313 |
| Retained earnings to average equity (ytd only) | 5.4398% | 2,455 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1845% | 1,901 |
| Assets per employee ($millions) | 4.6754% | 2,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 81.7148% | 4,085 |
| Equity capital to assets | 17.0525% | 426 |
| Core capital (leverage) ratio | 15.9396% | 469 |
| Tier 1 risk-based capital ratio | 46.4187% | 163 |
| Total risk-based capital ratio | 46.4187% | 172 |
| Memoranda: | ||
| Average total assets | $101,872,000 | 4,393 |
| Average earning assets | $98,045,330 | 4,306 |
| Average equity | $16,765,330 | 3,619 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4847% | 5,970 |
| Cost of funding earning assets | 0.2221% | 4,975 |
| Net interest margin | 2.2626% | 5,938 |
| Noninterest income to average assets | 2.4384% | 262 |
| Noninterest expense to average assets | 3.6497% | 965 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6477% | 3,986 |
| Return on assets (ROA) | 0.8167% | 3,289 |
| Pretax return on assets | 1.2074% | 2,673 |
| Return on Equity (ROE) | 5.0556% | 4,457 |
| Retained earnings to average equity (ytd only) | 5.0556% | 2,903 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1952% | 1,715 |
| Assets per employee ($millions) | 5.3322% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 82.2963% | 4,120 |
| Equity capital to assets | 16.6229% | 458 |
| Core capital (leverage) ratio | 15.5993% | 519 |
| Tier 1 risk-based capital ratio | 44.8635% | 179 |
| Total risk-based capital ratio | 44.8635% | 192 |
| Memoranda: | ||
| Average total assets | $101,378,500 | 4,442 |
| Average earning assets | $97,234,500 | 4,355 |
| Average equity | $16,378,000 | 3,680 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4219% | 6,024 |
| Cost of funding earning assets | 0.2284% | 5,020 |
| Net interest margin | 2.1935% | 5,987 |
| Noninterest income to average assets | 2.5521% | 260 |
| Noninterest expense to average assets | 3.4907% | 1,302 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7575% | 3,536 |
| Return on assets (ROA) | 0.8333% | 3,255 |
| Pretax return on assets | 1.2808% | 2,354 |
| Return on Equity (ROE) | 5.4742% | 4,299 |
| Retained earnings to average equity (ytd only) | 5.4742% | 2,092 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9898% | 2,426 |
| Assets per employee ($millions) | 5.0723% | 2,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 83.3683% | 3,719 |
| Equity capital to assets | 15.6883% | 567 |
| Core capital (leverage) ratio | 15.0019% | 617 |
| Tier 1 risk-based capital ratio | 44.9227% | 169 |
| Total risk-based capital ratio | 44.9227% | 183 |
| Memoranda: | ||
| Average total assets | $105,479,800 | 4,348 |
| Average earning assets | $101,119,200 | 4,259 |
| Average equity | $16,057,000 | 3,673 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3741% | 6,129 |
| Cost of funding earning assets | 0.2270% | 5,118 |
| Net interest margin | 2.1472% | 6,087 |
| Noninterest income to average assets | 2.5517% | 259 |
| Noninterest expense to average assets | 3.4557% | 1,370 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7580% | 3,646 |
| Return on assets (ROA) | 0.8426% | 3,291 |
| Pretax return on assets | 1.2871% | 2,442 |
| Return on Equity (ROE) | 5.5760% | 4,368 |
| Retained earnings to average equity (ytd only) | 5.5760% | 2,537 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9186% | 2,414 |
| Assets per employee ($millions) | 5.1662% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 83.1162% | 3,772 |
| Equity capital to assets | 15.7553% | 602 |
| Core capital (leverage) ratio | 14.8066% | 679 |
| Tier 1 risk-based capital ratio | 44.3055% | 190 |
| Total risk-based capital ratio | 44.3055% | 205 |
| Memoranda: | ||
| Average total assets | $106,488,500 | 4,374 |
| Average earning assets | $102,209,750 | 4,274 |
| Average equity | $16,092,500 | 3,695 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4169% | 6,193 |
| Cost of funding earning assets | 0.2269% | 5,172 |
| Net interest margin | 2.1899% | 6,149 |
| Noninterest income to average assets | 2.4846% | 274 |
| Noninterest expense to average assets | 3.4461% | 1,383 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7572% | 3,610 |
| Return on assets (ROA) | 0.8517% | 3,222 |
| Pretax return on assets | 1.2813% | 2,429 |
| Return on Equity (ROE) | 5.7142% | 4,273 |
| Retained earnings to average equity (ytd only) | 5.7142% | 2,404 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1724% | 2,516 |
| Assets per employee ($millions) | 5.7857% | 1,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 83.9605% | 3,583 |
| Equity capital to assets | 15.1618% | 673 |
| Core capital (leverage) ratio | 13.7892% | 906 |
| Tier 1 risk-based capital ratio | 42.6034% | 226 |
| Total risk-based capital ratio | 42.6034% | 234 |
| Memoranda: | ||
| Average total assets | $107,543,330 | 4,392 |
| Average earning assets | $103,109,330 | 4,296 |
| Average equity | $16,030,330 | 3,718 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4671% | 6,234 |
| Cost of funding earning assets | 0.2250% | 5,269 |
| Net interest margin | 2.2421% | 6,181 |
| Noninterest income to average assets | 2.3361% | 297 |
| Noninterest expense to average assets | 3.1599% | 2,089 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9304% | 2,607 |
| Return on assets (ROA) | 0.9227% | 2,763 |
| Pretax return on assets | 1.3182% | 2,207 |
| Return on Equity (ROE) | 6.2413% | 3,906 |
| Retained earnings to average equity (ytd only) | 6.2413% | 2,360 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3915% | 3,413 |
| Assets per employee ($millions) | 5.7735% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 83.7560% | 3,906 |
| Equity capital to assets | 15.0799% | 702 |
| Core capital (leverage) ratio | 13.8203% | 879 |
| Tier 1 risk-based capital ratio | 34.7822% | 371 |
| Total risk-based capital ratio | 34.7822% | 397 |
| Memoranda: | ||
| Average total assets | $109,243,500 | 4,385 |
| Average earning assets | $104,901,000 | 4,278 |
| Average equity | $16,150,500 | 3,723 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4766% | 6,334 |
| Cost of funding earning assets | 0.2379% | 5,446 |
| Net interest margin | 2.2388% | 6,294 |
| Noninterest income to average assets | 2.3866% | 255 |
| Noninterest expense to average assets | 3.2942% | 1,946 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8072% | 3,335 |
| Return on assets (ROA) | 0.8102% | 3,409 |
| Pretax return on assets | 1.2392% | 2,489 |
| Return on Equity (ROE) | 5.8108% | 4,254 |
| Retained earnings to average equity (ytd only) | 5.8108% | 2,056 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7404% | 3,080 |
| Assets per employee ($millions) | 6.0439% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 84.3425% | 3,576 |
| Equity capital to assets | 14.4856% | 817 |
| Core capital (leverage) ratio | 13.0845% | 1,102 |
| Tier 1 risk-based capital ratio | 36.0521% | 309 |
| Total risk-based capital ratio | 36.0521% | 341 |
| Memoranda: | ||
| Average total assets | $106,763,600 | 4,441 |
| Average earning assets | $102,155,000 | 4,351 |
| Average equity | $14,886,200 | 3,859 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4908% | 6,411 |
| Cost of funding earning assets | 0.2374% | 5,538 |
| Net interest margin | 2.2534% | 6,358 |
| Noninterest income to average assets | 2.3728% | 261 |
| Noninterest expense to average assets | 3.5473% | 1,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6304% | 4,302 |
| Return on assets (ROA) | 0.6224% | 4,436 |
| Pretax return on assets | 0.9687% | 3,720 |
| Return on Equity (ROE) | 4.5086% | 4,964 |
| Retained earnings to average equity (ytd only) | 4.5086% | 3,444 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3319% | 2,131 |
| Assets per employee ($millions) | 5.9688% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 84.7112% | 3,451 |
| Equity capital to assets | 14.1077% | 969 |
| Core capital (leverage) ratio | 12.8582% | 1,245 |
| Tier 1 risk-based capital ratio | 33.8856% | 393 |
| Total risk-based capital ratio | 33.8856% | 415 |
| Memoranda: | ||
| Average total assets | $106,256,750 | 4,495 |
| Average earning assets | $101,652,000 | 4,398 |
| Average equity | $14,668,000 | 3,917 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5829% | 6,448 |
| Cost of funding earning assets | 0.2388% | 5,596 |
| Net interest margin | 2.3442% | 6,387 |
| Noninterest income to average assets | 2.4069% | 253 |
| Noninterest expense to average assets | 3.6972% | 1,143 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6187% | 4,255 |
| Return on assets (ROA) | 0.6064% | 4,424 |
| Pretax return on assets | 0.9352% | 3,741 |
| Return on Equity (ROE) | 4.4261% | 4,953 |
| Retained earnings to average equity (ytd only) | 4.4261% | 3,355 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4882% | 2,096 |
| Assets per employee ($millions) | 5.3425% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 84.5765% | 3,695 |
| Equity capital to assets | 14.2433% | 882 |
| Core capital (leverage) ratio | 12.8080% | 1,237 |
| Tier 1 risk-based capital ratio | 34.3396% | 364 |
| Total risk-based capital ratio | 34.3396% | 399 |
| Memoranda: | ||
| Average total assets | $105,863,000 | 4,538 |
| Average earning assets | $101,357,670 | 4,429 |
| Average equity | $14,505,000 | 3,944 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7157% | 6,450 |
| Cost of funding earning assets | 0.2465% | 5,616 |
| Net interest margin | 2.4691% | 6,354 |
| Noninterest income to average assets | 2.4751% | 241 |
| Noninterest expense to average assets | 3.6861% | 1,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6962% | 3,712 |
| Return on assets (ROA) | 0.6719% | 3,919 |
| Pretax return on assets | 1.1085% | 2,867 |
| Return on Equity (ROE) | 5.0042% | 4,554 |
| Retained earnings to average equity (ytd only) | 5.0042% | 3,110 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2765% | 2,753 |
| Assets per employee ($millions) | 5.8665% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 85.3225% | 3,709 |
| Equity capital to assets | 13.7144% | 1,031 |
| Core capital (leverage) ratio | 12.7117% | 1,291 |
| Tier 1 risk-based capital ratio | 33.8879% | 385 |
| Total risk-based capital ratio | 33.8879% | 417 |
| Memoranda: | ||
| Average total assets | $105,369,500 | 4,597 |
| Average earning assets | $100,601,500 | 4,491 |
| Average equity | $14,148,000 | 4,021 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8220% | 6,487 |
| Cost of funding earning assets | 0.2381% | 6,042 |
| Net interest margin | 2.5839% | 6,278 |
| Noninterest income to average assets | 2.3112% | 318 |
| Noninterest expense to average assets | 3.4788% | 1,707 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.8835% | 2,861 |
| Return on assets (ROA) | 0.9165% | 2,783 |
| Pretax return on assets | 1.3567% | 1,941 |
| Return on Equity (ROE) | 6.6034% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.6034% | 1,623 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6713% | 3,356 |
| Assets per employee ($millions) | 6.1848% | 1,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 86.0988% | 3,203 |
| Equity capital to assets | 13.1384% | 1,214 |
| Core capital (leverage) ratio | 12.5047% | 1,360 |
| Tier 1 risk-based capital ratio | 31.3875% | 452 |
| Total risk-based capital ratio | 31.3875% | 490 |
| Memoranda: | ||
| Average total assets | $105,181,400 | 4,619 |
| Average earning assets | $100,778,800 | 4,485 |
| Average equity | $14,598,600 | 3,944 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8733% | 6,510 |
| Cost of funding earning assets | 0.2376% | 6,173 |
| Net interest margin | 2.6358% | 6,268 |
| Noninterest income to average assets | 2.2929% | 340 |
| Noninterest expense to average assets | 3.4755% | 1,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9200% | 2,735 |
| Return on assets (ROA) | 0.9950% | 2,481 |
| Pretax return on assets | 1.4589% | 1,728 |
| Return on Equity (ROE) | 7.0744% | 3,604 |
| Retained earnings to average equity (ytd only) | 7.0744% | 1,837 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0441% | 3,395 |
| Assets per employee ($millions) | 6.5176% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 85.5621% | 3,464 |
| Equity capital to assets | 13.4703% | 1,129 |
| Core capital (leverage) ratio | 12.5119% | 1,417 |
| Tier 1 risk-based capital ratio | 28.8121% | 578 |
| Total risk-based capital ratio | 28.8121% | 647 |
| Memoranda: | ||
| Average total assets | $105,191,250 | 4,662 |
| Average earning assets | $101,017,750 | 4,526 |
| Average equity | $14,794,750 | 3,955 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8881% | 6,541 |
| Cost of funding earning assets | 0.2348% | 6,272 |
| Net interest margin | 2.6533% | 6,259 |
| Noninterest income to average assets | 2.2181% | 384 |
| Noninterest expense to average assets | 3.7518% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6346% | 4,132 |
| Return on assets (ROA) | 0.6977% | 3,991 |
| Pretax return on assets | 1.1147% | 3,036 |
| Return on Equity (ROE) | 4.8923% | 4,781 |
| Retained earnings to average equity (ytd only) | 4.8923% | 3,122 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6879% | 2,352 |
| Assets per employee ($millions) | 6.4497% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 85.9121% | 3,421 |
| Equity capital to assets | 13.1411% | 1,290 |
| Core capital (leverage) ratio | 12.2266% | 1,492 |
| Tier 1 risk-based capital ratio | 24.6714% | 913 |
| Total risk-based capital ratio | 24.6714% | 1,052 |
| Memoranda: | ||
| Average total assets | $105,494,670 | 4,692 |
| Average earning assets | $101,382,670 | 4,536 |
| Average equity | $15,044,000 | 3,936 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8236% | 6,665 |
| Cost of funding earning assets | 0.2340% | 6,386 |
| Net interest margin | 2.5896% | 6,391 |
| Noninterest income to average assets | 2.1529% | 392 |
| Noninterest expense to average assets | 3.8746% | 1,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4828% | 4,766 |
| Return on assets (ROA) | 0.6076% | 4,336 |
| Pretax return on assets | 0.9640% | 3,510 |
| Return on Equity (ROE) | 4.1050% | 5,038 |
| Retained earnings to average equity (ytd only) | 4.1050% | 3,756 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4410% | 1,839 |
| Assets per employee ($millions) | 6.5986% | 940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 83.0749% | 4,831 |
| Equity capital to assets | 14.7902% | 807 |
| Core capital (leverage) ratio | 12.1665% | 1,477 |
| Tier 1 risk-based capital ratio | 24.3150% | 980 |
| Total risk-based capital ratio | 24.3150% | 1,127 |
| Memoranda: | ||
| Average total assets | $106,644,500 | 4,700 |
| Average earning assets | $102,563,000 | 4,549 |
| Average equity | $15,785,500 | 3,848 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1810% | 6,671 |
| Cost of funding earning assets | 0.5232% | 5,044 |
| Net interest margin | 2.6578% | 6,576 |
| Noninterest income to average assets | 2.0354% | 423 |
| Noninterest expense to average assets | 3.2019% | 2,608 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.8674% | 2,971 |
| Return on assets (ROA) | 1.4876% | 1,038 |
| Pretax return on assets | 2.3698% | 304 |
| Return on Equity (ROE) | 10.4862% | 1,975 |
| Retained earnings to average equity (ytd only) | 10.4862% | 506 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5670% | 3,887 |
| Assets per employee ($millions) | 6.7320% | 887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| 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 | 82.5683% | 4,904 |
| Equity capital to assets | 14.8136% | 785 |
| Core capital (leverage) ratio | 11.8482% | 1,642 |
| Tier 1 risk-based capital ratio | 23.1312% | 1,091 |
| Total risk-based capital ratio | 23.1312% | 1,252 |
| Memoranda: | ||
| Average total assets | $105,875,600 | 4,685 |
| Average earning assets | $102,264,200 | 4,542 |
| Average equity | $15,019,800 | 3,966 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2846% | 6,740 |
| Cost of funding earning assets | 0.6043% | 4,601 |
| Net interest margin | 2.6802% | 6,670 |
| Noninterest income to average assets | 1.9946% | 424 |
| Noninterest expense to average assets | 2.9748% | 3,325 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.0104% | 2,451 |
| Return on assets (ROA) | 1.7543% | 694 |
| Pretax return on assets | 2.7737% | 197 |
| Return on Equity (ROE) | 12.5072% | 1,456 |
| Retained earnings to average equity (ytd only) | 12.5072% | 440 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8649% | 4,647 |
| Assets per employee ($millions) | 6.8285% | 800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| 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 | 80.5036% | 5,511 |
| Equity capital to assets | 14.7452% | 887 |
| Core capital (leverage) ratio | 11.5466% | 1,951 |
| Tier 1 risk-based capital ratio | 22.9709% | 1,177 |
| Total risk-based capital ratio | 22.9709% | 1,354 |
| Memoranda: | ||
| Average total assets | $105,416,500 | 4,740 |
| Average earning assets | $101,929,250 | 4,597 |
| Average equity | $14,785,750 | 4,049 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4644% | 6,649 |
| Cost of funding earning assets | 0.6814% | 4,173 |
| Net interest margin | 2.7830% | 6,610 |
| Noninterest income to average assets | 2.0185% | 399 |
| Noninterest expense to average assets | 2.5927% | 4,798 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.3294% | 1,365 |
| Return on assets (ROA) | 2.4295% | 223 |
| Pretax return on assets | 3.8353% | 91 |
| Return on Equity (ROE) | 17.6376% | 552 |
| Retained earnings to average equity (ytd only) | 17.6376% | 155 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0571% | 6,220 |
| Assets per employee ($millions) | 7.0727% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| 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 | 81.9721% | 5,144 |
| Equity capital to assets | 14.3085% | 975 |
| Core capital (leverage) ratio | 11.6418% | 1,818 |
| Tier 1 risk-based capital ratio | 22.6441% | 1,180 |
| Total risk-based capital ratio | 22.6441% | 1,385 |
| Memoranda: | ||
| Average total assets | $104,136,670 | 4,798 |
| Average earning assets | $100,682,330 | 4,652 |
| Average equity | $14,344,330 | 4,128 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5036% | 6,695 |
| Cost of funding earning assets | 0.8328% | 3,202 |
| Net interest margin | 2.6707% | 6,806 |
| Noninterest income to average assets | 2.1016% | 376 |
| Noninterest expense to average assets | 2.5242% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3762% | 1,264 |
| Return on assets (ROA) | 1.3688% | 1,435 |
| Pretax return on assets | 2.1520% | 579 |
| Return on Equity (ROE) | 10.1389% | 2,346 |
| Retained earnings to average equity (ytd only) | 10.1389% | 1,228 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8462% | 6,367 |
| Assets per employee ($millions) | 8.1225% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 81.7535% | 5,372 |
| Equity capital to assets | 13.3891% | 1,280 |
| Core capital (leverage) ratio | 10.7701% | 2,472 |
| Tier 1 risk-based capital ratio | 21.8987% | 1,303 |
| Total risk-based capital ratio | 21.8987% | 1,528 |
| Memoranda: | ||
| Average total assets | $103,159,500 | 4,859 |
| Average earning assets | $99,898,000 | 4,699 |
| Average equity | $13,926,500 | 4,214 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7189% | 6,827 |
| Cost of funding earning assets | 1.4826% | 762 |
| Net interest margin | 2.2363% | 7,164 |
| Noninterest income to average assets | 1.7794% | 451 |
| Noninterest expense to average assets | 2.3329% | 5,969 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0135% | 2,156 |
| Return on assets (ROA) | 1.1184% | 1,887 |
| Pretax return on assets | 1.7600% | 879 |
| Return on Equity (ROE) | 10.8013% | 1,762 |
| Retained earnings to average equity (ytd only) | 10.8013% | 431 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3764% | 5,847 |
| Assets per employee ($millions) | 7.7482% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 84.3030% | 4,185 |
| Equity capital to assets | 13.6161% | 1,212 |
| Core capital (leverage) ratio | 10.9354% | 2,315 |
| Tier 1 risk-based capital ratio | 23.3881% | 1,050 |
| Total risk-based capital ratio | 23.3881% | 1,192 |
| Memoranda: | ||
| Average total assets | $113,465,200 | 4,559 |
| Average earning assets | $109,064,200 | 4,417 |
| Average equity | $11,748,600 | 4,608 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8329% | 6,802 |
| Cost of funding earning assets | 1.6611% | 458 |
| Net interest margin | 2.1719% | 7,262 |
| Noninterest income to average assets | 1.6676% | 490 |
| Noninterest expense to average assets | 2.2734% | 6,109 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9348% | 2,598 |
| Return on assets (ROA) | 1.0870% | 2,166 |
| Pretax return on assets | 1.7168% | 1,104 |
| Return on Equity (ROE) | 11.2638% | 1,773 |
| Retained earnings to average equity (ytd only) | 11.2638% | 589 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5848% | 5,623 |
| Assets per employee ($millions) | 7.7227% | 530 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 84.9305% | 3,799 |
| Equity capital to assets | 13.1829% | 1,524 |
| Core capital (leverage) ratio | 10.6120% | 2,746 |
| Tier 1 risk-based capital ratio | 23.4557% | 1,082 |
| Total risk-based capital ratio | 23.4557% | 1,232 |
| Memoranda: | ||
| Average total assets | $116,650,000 | 4,517 |
| Average earning assets | $111,973,750 | 4,363 |
| Average equity | $11,257,000 | 4,744 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9410% | 6,752 |
| Cost of funding earning assets | 2.0095% | 136 |
| Net interest margin | 1.9314% | 7,384 |
| Noninterest income to average assets | 1.5057% | 567 |
| Noninterest expense to average assets | 2.2627% | 6,218 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6915% | 3,583 |
| Return on assets (ROA) | 0.9159% | 2,668 |
| Pretax return on assets | 1.4582% | 1,646 |
| Return on Equity (ROE) | 10.5495% | 1,938 |
| Retained earnings to average equity (ytd only) | 10.5495% | 740 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1366% | 4,677 |
| Assets per employee ($millions) | 6.9626% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 87.2955% | 2,572 |
| Equity capital to assets | 11.6397% | 2,374 |
| Core capital (leverage) ratio | 10.2623% | 2,961 |
| Tier 1 risk-based capital ratio | 22.5971% | 1,180 |
| Total risk-based capital ratio | 22.5971% | 1,337 |
| Memoranda: | ||
| Average total assets | $122,068,330 | 4,388 |
| Average earning assets | $117,839,330 | 4,239 |
| Average equity | $10,597,670 | 4,898 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 6,910 |
| Cost of funding earning assets | 2.3477% | 58 |
| Net interest margin | 1.4849% | 7,504 |
| Noninterest income to average assets | 1.2444% | 819 |
| Noninterest expense to average assets | 1.9678% | 6,877 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4704% | 4,618 |
| Return on assets (ROA) | 0.4704% | 4,699 |
| Pretax return on assets | 0.7264% | 4,197 |
| Return on Equity (ROE) | 6.1818% | 3,797 |
| Retained earnings to average equity (ytd only) | 6.1818% | 2,534 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0387% | 3,673 |
| Assets per employee ($millions) | 9.5879% | 279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 92.2015% | 242 |
| Equity capital to assets | 7.4908% | 6,872 |
| Core capital (leverage) ratio | 7.0259% | 6,997 |
| Tier 1 risk-based capital ratio | 16.8856% | 2,522 |
| Total risk-based capital ratio | 16.8856% | 3,041 |
| Memoranda: | ||
| Average total assets | $134,364,000 | 4,167 |
| Average earning assets | $131,189,500 | 3,995 |
| Average equity | $10,223,500 | 4,983 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 7,281 |
| Cost of funding earning assets | 2.4669% | 123 |
| Net interest margin | 1.2803% | 7,567 |
| Noninterest income to average assets | 1.2702% | 914 |
| Noninterest expense to average assets | 2.5864% | 5,468 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.0447% | 5,923 |
| Return on assets (ROA) | 0.2614% | 5,227 |
| Pretax return on assets | 0.4110% | 4,910 |
| Return on Equity (ROE) | 3.3120% | 4,817 |
| Retained earnings to average equity (ytd only) | 3.3120% | 3,548 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6695% | 701 |
| Assets per employee ($millions) | 9.6069% | 277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 91.4102% | 425 |
| Equity capital to assets | 7.7266% | 6,729 |
| Core capital (leverage) ratio | 6.9342% | 7,053 |
| Tier 1 risk-based capital ratio | 16.3630% | 2,589 |
| Total risk-based capital ratio | 16.3630% | 3,129 |
| Memoranda: | ||
| Average total assets | $132,346,200 | 4,212 |
| Average earning assets | $129,112,000 | 4,039 |
| Average equity | $10,446,800 | 4,997 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7802% | 7,416 |
| Cost of funding earning assets | 2.4859% | 146 |
| Net interest margin | 1.2943% | 7,685 |
| Noninterest income to average assets | 1.2887% | 830 |
| Noninterest expense to average assets | 2.6664% | 5,019 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.0763% | 6,154 |
| Return on assets (ROA) | 0.3399% | 5,185 |
| Pretax return on assets | 0.5250% | 4,837 |
| Return on Equity (ROE) | 4.2827% | 4,653 |
| Retained earnings to average equity (ytd only) | 4.2827% | 3,479 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5202% | 624 |
| Assets per employee ($millions) | 9.0125% | 348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 89.2593% | 1,250 |
| Equity capital to assets | 8.9432% | 5,655 |
| Core capital (leverage) ratio | 7.0330% | 7,146 |
| Tier 1 risk-based capital ratio | 18.1017% | 1,997 |
| Total risk-based capital ratio | 18.1017% | 2,355 |
| Memoranda: | ||
| Average total assets | $131,808,500 | 4,281 |
| Average earning assets | $128,561,500 | 4,098 |
| Average equity | $10,460,500 | 5,069 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7867% | 7,491 |
| Cost of funding earning assets | 2.5161% | 164 |
| Net interest margin | 1.2706% | 7,760 |
| Noninterest income to average assets | 1.2886% | 769 |
| Noninterest expense to average assets | 2.8267% | 4,373 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -0.2139% | 6,373 |
| Return on assets (ROA) | 0.0429% | 6,108 |
| Pretax return on assets | 0.0597% | 6,055 |
| Return on Equity (ROE) | 0.5647% | 6,070 |
| Retained earnings to average equity (ytd only) | 0.5647% | 5,540 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7362% | 517 |
| Assets per employee ($millions) | 8.9091% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 90.1801% | 827 |
| Equity capital to assets | 8.4108% | 6,283 |
| Core capital (leverage) ratio | 6.8341% | 7,271 |
| Tier 1 risk-based capital ratio | 17.2086% | 2,198 |
| Total risk-based capital ratio | 17.2086% | 2,654 |
| Memoranda: | ||
| Average total assets | $130,682,330 | 4,335 |
| Average earning assets | $127,655,670 | 4,144 |
| Average equity | $9,917,330 | 5,225 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 7,495 |
| Cost of funding earning assets | 2.5754% | 180 |
| Net interest margin | 1.3748% | 7,849 |
| Noninterest income to average assets | 1.2910% | 725 |
| Noninterest expense to average assets | 2.8017% | 4,474 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1136% | 6,443 |
| Return on assets (ROA) | -0.1115% | 6,520 |
| Pretax return on assets | -0.1641% | 6,521 |
| Return on Equity (ROE) | -1.5557% | 6,583 |
| Retained earnings to average equity (ytd only) | -1.5557% | 6,133 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.3455% | 671 |
| Assets per employee ($millions) | 10.0241% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 91.2265% | 459 |
| Equity capital to assets | 7.2502% | 7,253 |
| Core capital (leverage) ratio | 6.8151% | 7,347 |
| Tier 1 risk-based capital ratio | 21.1142% | 1,322 |
| Total risk-based capital ratio | 21.1142% | 1,514 |
| Memoranda: | ||
| Average total assets | $129,205,000 | 4,431 |
| Average earning assets | $126,272,000 | 4,237 |
| Average equity | $9,256,000 | 5,469 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0684% | 7,876 |
| Cost of funding earning assets | 2.5992% | 779 |
| Net interest margin | 0.4692% | 7,972 |
| Noninterest income to average assets | 1.2727% | 933 |
| Noninterest expense to average assets | 2.4027% | 6,460 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.4352% | 6,114 |
| Return on assets (ROA) | 0.7211% | 2,923 |
| Pretax return on assets | 1.1364% | 2,137 |
| Return on Equity (ROE) | 9.3801% | 1,891 |
| Retained earnings to average equity (ytd only) | 9.3801% | 443 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 138.7008% | 399 |
| Assets per employee ($millions) | 9.8536% | 267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 92.4690% | 187 |
| Equity capital to assets | 7.0759% | 7,340 |
| Core capital (leverage) ratio | 6.9328% | 7,295 |
| Tier 1 risk-based capital ratio | 28.6106% | 603 |
| Total risk-based capital ratio | 28.6106% | 663 |
| Memoranda: | ||
| Average total assets | $126,192,800 | 4,425 |
| Average earning assets | $123,616,000 | 4,227 |
| Average equity | $9,701,400 | 5,380 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1325% | 7,968 |
| Cost of funding earning assets | 2.5937% | 1,050 |
| Net interest margin | 0.5389% | 8,052 |
| Noninterest income to average assets | 1.2769% | 943 |
| Noninterest expense to average assets | 2.2950% | 6,721 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -0.3027% | 6,203 |
| Return on assets (ROA) | -0.2111% | 6,092 |
| Pretax return on assets | -0.3468% | 6,144 |
| Return on Equity (ROE) | -2.6908% | 6,198 |
| Retained earnings to average equity (ytd only) | -2.6908% | 5,873 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.1445% | 503 |
| Assets per employee ($millions) | 9.8162% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 91.0399% | 405 |
| Equity capital to assets | 7.9085% | 6,937 |
| Core capital (leverage) ratio | 6.2481% | 7,751 |
| Tier 1 risk-based capital ratio | 48.9402% | 176 |
| Total risk-based capital ratio | 48.9402% | 184 |
| Memoranda: | ||
| Average total assets | $125,716,750 | 4,455 |
| Average earning assets | $123,220,500 | 4,265 |
| Average equity | $9,860,750 | 5,374 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3002% | 8,052 |
| Cost of funding earning assets | 2.5886% | 1,319 |
| Net interest margin | 0.7116% | 8,130 |
| Noninterest income to average assets | 1.2439% | 991 |
| Noninterest expense to average assets | 2.4111% | 6,422 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -0.2846% | 6,315 |
| Return on assets (ROA) | -0.2846% | 6,328 |
| Pretax return on assets | -0.4701% | 6,390 |
| Return on Equity (ROE) | -3.6387% | 6,440 |
| Retained earnings to average equity (ytd only) | -3.6387% | 6,073 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.2175% | 601 |
| Assets per employee ($millions) | 9.6865% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 91.2662% | 386 |
| Equity capital to assets | 7.7626% | 7,016 |
| Core capital (leverage) ratio | 6.3245% | 7,851 |
| Tier 1 risk-based capital ratio | 51.5847% | 176 |
| Total risk-based capital ratio | 51.5847% | 182 |
| Memoranda: | ||
| Average total assets | $125,085,670 | 4,507 |
| Average earning assets | $122,538,330 | 4,310 |
| Average equity | $9,783,670 | 5,426 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4385% | 8,101 |
| Cost of funding earning assets | 2.5723% | 1,649 |
| Net interest margin | 0.8662% | 8,175 |
| Noninterest income to average assets | 1.1904% | 1,025 |
| Noninterest expense to average assets | 2.2139% | 6,828 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0834% | 6,388 |
| Return on assets (ROA) | -0.0834% | 6,503 |
| Pretax return on assets | -0.1733% | 6,542 |
| Return on Equity (ROE) | -1.0625% | 6,549 |
| Retained earnings to average equity (ytd only) | -1.0625% | 5,903 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4906% | 850 |
| Assets per employee ($millions) | 9.6080% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 90.8906% | 449 |
| Equity capital to assets | 8.0678% | 6,716 |
| Core capital (leverage) ratio | 6.5146% | 7,871 |
| Tier 1 risk-based capital ratio | 50.2248% | 200 |
| Total risk-based capital ratio | 50.2248% | 215 |
| Memoranda: | ||
| Average total assets | $124,666,500 | 4,524 |
| Average earning assets | $122,380,000 | 4,322 |
| Average equity | $9,788,000 | 5,453 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6998% | 8,130 |
| Cost of funding earning assets | 2.7213% | 3,058 |
| Net interest margin | 0.9785% | 8,231 |
| Noninterest income to average assets | 1.5200% | 607 |
| Noninterest expense to average assets | 2.9189% | 4,385 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.2278% | 6,652 |
| Return on assets (ROA) | -0.3096% | 6,611 |
| Pretax return on assets | -0.5651% | 6,705 |
| Return on Equity (ROE) | -4.1817% | 6,772 |
| Retained earnings to average equity (ytd only) | -4.1817% | 6,357 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.6238% | 600 |
| Assets per employee ($millions) | 9.5715% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 91.0576% | 311 |
| Equity capital to assets | 7.6341% | 7,275 |
| Core capital (leverage) ratio | 6.5165% | 7,928 |
| Tier 1 risk-based capital ratio | 48.7145% | 229 |
| Total risk-based capital ratio | 48.7145% | 238 |
| Memoranda: | ||
| Average total assets | $122,102,800 | 4,465 |
| Average earning assets | $119,980,400 | 4,259 |
| Average equity | $9,039,400 | 5,730 |
| Average total loans | NA | NA |