Home > Comerica Bank & Trust > Performance and Condition Ratios
Comerica 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 | 1.5996% | 4,581 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 1.5996% | 4,497 |
| Noninterest income to average assets | 114.4700% | 22 |
| Noninterest expense to average assets | 73.2064% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 31.4774% | 10 |
| Return on assets (ROA) | 31.4774% | 11 |
| Pretax return on assets | 41.2923% | 11 |
| Return on Equity (ROE) | 32.8300% | 145 |
| Retained earnings to average equity (ytd only) | 32.8309% | 40 |
| 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 | 62.1611% | 2,815 |
| Assets per employee ($millions) | 0.8070% | 4,500 |
| 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 | 0.4900% | 4,538 |
| Equity capital to assets | 97.1461% | 58 |
| Core capital (leverage) ratio | 105.0103% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 216.1538% | 43 |
| Memoranda: | ||
| Average total assets | $89,781,800 | 3,913 |
| Average earning assets | $1,813,000 | 4,545 |
| Average equity | $86,080,400 | 1,069 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6262% | 4,599 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 1.6262% | 4,510 |
| Noninterest income to average assets | 116.6300% | 22 |
| Noninterest expense to average assets | 76.8817% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 30.3793% | 13 |
| Return on assets (ROA) | 30.3793% | 13 |
| Pretax return on assets | 39.7865% | 15 |
| Return on Equity (ROE) | 31.8100% | 194 |
| Retained earnings to average equity (ytd only) | 31.8127% | 76 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 64.0775% | 2,487 |
| Assets per employee ($millions) | 0.7280% | 4,531 |
| 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 | 0.6600% | 4,570 |
| Equity capital to assets | 96.9644% | 60 |
| Core capital (leverage) ratio | 103.2286% | 4 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 243.0126% | 39 |
| Memoranda: | ||
| Average total assets | $86,201,250 | 3,977 |
| Average earning assets | $1,803,750 | 4,573 |
| Average equity | $82,317,250 | 1,105 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6620% | 4,632 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 1.6620% | 4,562 |
| Noninterest income to average assets | 122.0000% | 19 |
| Noninterest expense to average assets | 79.9966% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 32.0256% | 14 |
| Return on assets (ROA) | 32.0256% | 14 |
| Pretax return on assets | 42.0441% | 13 |
| Return on Equity (ROE) | 33.7400% | 164 |
| Retained earnings to average equity (ytd only) | 33.7352% | 68 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 63.7338% | 2,517 |
| Assets per employee ($millions) | 0.6810% | 4,568 |
| 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 | 0.5700% | 4,592 |
| Equity capital to assets | 96.5665% | 58 |
| Core capital (leverage) ratio | 104.3605% | 5 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 176.4299% | 46 |
| Memoranda: | ||
| Average total assets | $83,146,000 | 4,018 |
| Average earning assets | $1,805,000 | 4,601 |
| Average equity | $78,932,333 | 1,134 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5500% | 4,664 |
| Cost of funding earning assets | 0.0000% | 4,615 |
| Net interest margin | 1.5500% | 4,633 |
| Noninterest income to average assets | 118.8500% | 23 |
| Noninterest expense to average assets | 86.2615% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 24.8694% | 17 |
| Return on assets (ROA) | 24.8694% | 17 |
| Pretax return on assets | 32.6283% | 17 |
| Return on Equity (ROE) | 26.4500% | 340 |
| Retained earnings to average equity (ytd only) | 26.4505% | 151 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 70.5863% | 1,692 |
| Assets per employee ($millions) | 0.6617% | 4,631 |
| 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 | 0.6000% | 4,635 |
| Equity capital to assets | 92.6061% | 26 |
| Core capital (leverage) ratio | 102.2532% | 5 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 235.5684% | 36 |
| Memoranda: | ||
| Average total assets | $80,114,500 | 4,100 |
| Average earning assets | $1,806,500 | 4,671 |
| Average equity | $75,325,500 | 1,178 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5693% | 4,651 |
| Cost of funding earning assets | 0.0000% | 4,648 |
| Net interest margin | 1.5693% | 4,624 |
| Noninterest income to average assets | 110.1500% | 25 |
| Noninterest expense to average assets | 70.3567% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 30.4096% | 16 |
| Return on assets (ROA) | 30.4096% | 16 |
| Pretax return on assets | 39.8280% | 16 |
| Return on Equity (ROE) | 32.1300% | 91 |
| Retained earnings to average equity (ytd only) | 1.2834% | 4,142 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 61.6256% | 2,818 |
| Assets per employee ($millions) | 0.6144% | 4,670 |
| Cash dividends to net income (ytd only)* | 96.0061% | 239 |
| 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 | 0.6600% | 4,667 |
| Equity capital to assets | 95.5845% | 18 |
| Core capital (leverage) ratio | 76.2741% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 239.8718% | 38 |
| Memoranda: | ||
| Average total assets | $85,630,800 | 4,065 |
| Average earning assets | $1,848,000 | 4,703 |
| Average equity | $81,033,200 | 1,119 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5751% | 4,657 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 1.5751% | 4,632 |
| Noninterest income to average assets | 110.6700% | 25 |
| Noninterest expense to average assets | 66.2970% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 33.9796% | 13 |
| Return on assets (ROA) | 33.9796% | 12 |
| Pretax return on assets | 44.4046% | 13 |
| Return on Equity (ROE) | 35.9900% | 57 |
| Retained earnings to average equity (ytd only) | 35.9860% | 19 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.6734% | 3,424 |
| Assets per employee ($millions) | 0.7748% | 4,695 |
| 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 | 0.5200% | 4,709 |
| Equity capital to assets | 96.4785% | 15 |
| Core capital (leverage) ratio | 101.1788% | 5 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 272.9973% | 32 |
| Memoranda: | ||
| Average total assets | $87,991,750 | 4,067 |
| Average earning assets | $1,862,250 | 4,742 |
| Average equity | $83,085,750 | 1,108 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5851% | 4,699 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 1.5851% | 4,676 |
| Noninterest income to average assets | 119.1191% | 10 |
| Noninterest expense to average assets | 71.3832% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 36.5680% | 5 |
| Return on assets (ROA) | 36.5680% | 5 |
| Pretax return on assets | 47.7713% | 4 |
| Return on Equity (ROE) | 39.0534% | 29 |
| Retained earnings to average equity (ytd only) | 39.0534% | 12 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7105% | 3,596 |
| Assets per employee ($millions) | 0.7741% | 4,743 |
| 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 | 0.5609% | 4,772 |
| Equity capital to assets | 96.4063% | 5 |
| Core capital (leverage) ratio | 101.1031% | 5 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 250.2454% | 15 |
| Memoranda: | ||
| Average total assets | $84,779,000 | 4,144 |
| Average earning assets | $1,892,667 | 4,769 |
| Average equity | $79,383,667 | 1,169 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4587% | 4,724 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 1.4587% | 4,706 |
| Noninterest income to average assets | 113.4273% | 12 |
| Noninterest expense to average assets | 68.3182% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 34.5573% | 8 |
| Return on assets (ROA) | 34.5573% | 8 |
| Pretax return on assets | 45.1433% | 7 |
| Return on Equity (ROE) | 37.5199% | 33 |
| Retained earnings to average equity (ytd only) | 37.5199% | 21 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7715% | 3,704 |
| Assets per employee ($millions) | 0.8078% | 4,765 |
| 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 | 0.5889% | 4,798 |
| Equity capital to assets | 91.3019% | 11 |
| Core capital (leverage) ratio | 93.9047% | 12 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 238.9471% | 15 |
| Memoranda: | ||
| Average total assets | $81,881,500 | 4,196 |
| Average earning assets | $1,919,500 | 4,795 |
| Average equity | $75,416,000 | 1,249 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2569% | 4,767 |
| Cost of funding earning assets | 0.0000% | 4,821 |
| Net interest margin | 1.2569% | 4,752 |
| Noninterest income to average assets | 115.9633% | 10 |
| Noninterest expense to average assets | 64.4170% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 39.5966% | 5 |
| Return on assets (ROA) | 39.5966% | 5 |
| Pretax return on assets | 51.5743% | 4 |
| Return on Equity (ROE) | 42.3472% | 27 |
| Retained earnings to average equity (ytd only) | 12.4179% | 483 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3317% | 3,998 |
| Assets per employee ($millions) | 0.7094% | 4,812 |
| Cash dividends to net income (ytd only)* | 70.6759% | 718 |
| 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 | 0.6582% | 4,841 |
| Equity capital to assets | 93.0001% | 8 |
| Core capital (leverage) ratio | 74.4681% | 18 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 152.1203% | 19 |
| Memoranda: | ||
| Average total assets | $78,612,800 | 4,237 |
| Average earning assets | $1,750,400 | 4,838 |
| Average equity | $73,506,600 | 1,295 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1794% | 4,859 |
| Cost of funding earning assets | 0.0000% | 4,892 |
| Net interest margin | 1.1794% | 4,847 |
| Noninterest income to average assets | 113.3550% | 10 |
| Noninterest expense to average assets | 64.1013% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 37.6814% | 5 |
| Return on assets (ROA) | 37.6814% | 5 |
| Pretax return on assets | 49.2791% | 4 |
| Return on Equity (ROE) | 40.2458% | 35 |
| Retained earnings to average equity (ytd only) | 40.2458% | 9 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3986% | 3,746 |
| Assets per employee ($millions) | 0.8829% | 4,885 |
| 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 | 0.5652% | 4,916 |
| Equity capital to assets | 94.5153% | 6 |
| Core capital (leverage) ratio | 95.5296% | 9 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 174.2187% | 19 |
| Memoranda: | ||
| Average total assets | $78,933,500 | 4,284 |
| Average earning assets | $1,695,750 | 4,913 |
| Average equity | $73,904,000 | 1,307 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0019% | 4,911 |
| Cost of funding earning assets | 0.0000% | 4,930 |
| Net interest margin | 1.0019% | 4,900 |
| Noninterest income to average assets | 118.6824% | 11 |
| Noninterest expense to average assets | 64.5614% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 41.6203% | 5 |
| Return on assets (ROA) | 41.6203% | 4 |
| Pretax return on assets | 54.1423% | 5 |
| Return on Equity (ROE) | 44.6215% | 31 |
| Retained earnings to average equity (ytd only) | 44.6215% | 11 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4737% | 3,993 |
| Assets per employee ($millions) | 0.8028% | 4,920 |
| 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 | 0.6038% | 4,952 |
| Equity capital to assets | 93.1003% | 9 |
| Core capital (leverage) ratio | 96.5925% | 11 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 160.7808% | 18 |
| Memoranda: | ||
| Average total assets | $75,227,667 | 4,355 |
| Average earning assets | $1,597,000 | 4,950 |
| Average equity | $70,168,000 | 1,359 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0019% | 4,944 |
| Cost of funding earning assets | 0.0000% | 4,958 |
| Net interest margin | 1.0019% | 4,931 |
| Noninterest income to average assets | 111.3807% | 11 |
| Noninterest expense to average assets | 64.1634% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 36.0990% | 6 |
| Return on assets (ROA) | 36.0990% | 6 |
| Pretax return on assets | 47.2399% | 6 |
| Return on Equity (ROE) | 38.6591% | 71 |
| Retained earnings to average equity (ytd only) | 38.6591% | 39 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2497% | 3,518 |
| Assets per employee ($millions) | 0.7384% | 4,946 |
| 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 | 0.6693% | 4,980 |
| Equity capital to assets | 90.9955% | 10 |
| Core capital (leverage) ratio | 98.0635% | 8 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 145.9763% | 22 |
| Memoranda: | ||
| Average total assets | $70,694,500 | 4,426 |
| Average earning assets | $1,597,000 | 4,977 |
| Average equity | $66,013,000 | 1,408 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3150% | 4,958 |
| Cost of funding earning assets | 0.0000% | 4,991 |
| Net interest margin | 1.3150% | 4,935 |
| Noninterest income to average assets | 118.5413% | 9 |
| Noninterest expense to average assets | 71.3705% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 36.0555% | 5 |
| Return on assets (ROA) | 36.0555% | 5 |
| Pretax return on assets | 47.2042% | 5 |
| Return on Equity (ROE) | 37.3436% | 41 |
| Retained earnings to average equity (ytd only) | 19.2396% | 72 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6167% | 3,502 |
| Assets per employee ($millions) | 0.6667% | 4,978 |
| Cash dividends to net income (ytd only)* | 48.4795% | 1,919 |
| 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 | 0.7790% | 5,002 |
| Equity capital to assets | 96.1508% | 4 |
| Core capital (leverage) ratio | 84.7903% | 19 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 251.4093% | 12 |
| Memoranda: | ||
| Average total assets | $62,930,800 | 4,470 |
| Average earning assets | $1,597,000 | 5,000 |
| Average equity | $60,760,000 | 1,429 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3358% | 5,002 |
| Cost of funding earning assets | 0.0000% | 5,023 |
| Net interest margin | 1.3358% | 4,979 |
| Noninterest income to average assets | 120.0096% | 9 |
| Noninterest expense to average assets | 70.7048% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 37.7792% | 5 |
| Return on assets (ROA) | 37.7792% | 5 |
| Pretax return on assets | 49.3391% | 4 |
| Return on Equity (ROE) | 39.0866% | 33 |
| Retained earnings to average equity (ytd only) | 39.0866% | 20 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3182% | 3,623 |
| Assets per employee ($millions) | 0.7175% | 5,005 |
| 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 | 0.7253% | 5,034 |
| Equity capital to assets | 97.8341% | 4 |
| Core capital (leverage) ratio | 100.2752% | 5 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 268.3895% | 14 |
| Memoranda: | ||
| Average total assets | $62,329,000 | 4,500 |
| Average earning assets | $1,597,000 | 5,032 |
| Average equity | $60,244,250 | 1,433 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6281% | 5,035 |
| Cost of funding earning assets | 0.0000% | 5,057 |
| Net interest margin | 1.6281% | 5,003 |
| Noninterest income to average assets | 128.3974% | 9 |
| Noninterest expense to average assets | 73.7032% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 41.8695% | 4 |
| Return on assets (ROA) | 41.8695% | 5 |
| Pretax return on assets | 54.7377% | 4 |
| Return on Equity (ROE) | 43.5269% | 26 |
| Retained earnings to average equity (ytd only) | 43.5269% | 11 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8062% | 3,846 |
| Assets per employee ($millions) | 0.6580% | 5,039 |
| 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 | 0.7751% | 5,068 |
| Equity capital to assets | 96.7004% | 5 |
| Core capital (leverage) ratio | 98.2631% | 4 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 278.4803% | 10 |
| Memoranda: | ||
| Average total assets | $59,666,333 | 4,548 |
| Average earning assets | $1,597,000 | 5,065 |
| Average equity | $57,394,333 | 1,481 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2542% | 5,070 |
| Cost of funding earning assets | 0.0000% | 5,101 |
| Net interest margin | 2.2542% | 4,937 |
| Noninterest income to average assets | 131.8257% | 9 |
| Noninterest expense to average assets | 73.9196% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 44.4719% | 3 |
| Return on assets (ROA) | 44.4719% | 3 |
| Pretax return on assets | 57.9697% | 4 |
| Return on Equity (ROE) | 46.3748% | 18 |
| Retained earnings to average equity (ytd only) | 46.3748% | 7 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4520% | 4,264 |
| Assets per employee ($millions) | 0.6039% | 5,089 |
| 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 | 0.8446% | 5,115 |
| Equity capital to assets | 95.0998% | 10 |
| Core capital (leverage) ratio | 101.0291% | 1 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 251.4676% | 13 |
| Memoranda: | ||
| Average total assets | $56,602,000 | 4,597 |
| Average earning assets | $1,597,000 | 5,115 |
| Average equity | $54,279,500 | 1,536 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9486% | 5,071 |
| Cost of funding earning assets | 0.0000% | 5,167 |
| Net interest margin | 2.9486% | 4,582 |
| Noninterest income to average assets | 118.1576% | 11 |
| Noninterest expense to average assets | 69.1386% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 37.5815% | 6 |
| Return on assets (ROA) | 37.5815% | 6 |
| Pretax return on assets | 49.0984% | 4 |
| Return on Equity (ROE) | 38.7019% | 21 |
| Retained earnings to average equity (ytd only) | 0.4486% | 4,560 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8048% | 3,997 |
| Assets per employee ($millions) | 0.5560% | 5,149 |
| Cash dividends to net income (ytd only)* | 98.8409% | 327 |
| 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 | 0.9675% | 5,176 |
| Equity capital to assets | 96.8080% | 6 |
| Core capital (leverage) ratio | 72.6755% | 29 |
| Tier 1 risk-based capital ratio | 243.4620% | 23 |
| Total risk-based capital ratio | 243.4620% | 23 |
| Memoranda: | ||
| Average total assets | $59,226,000 | 4,609 |
| Average earning assets | $1,594,000 | 5,176 |
| Average equity | $57,511,400 | 1,412 |
| Average total loans | $3,200 | 5,149 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0962% | 5,126 |
| Cost of funding earning assets | 0.0000% | 5,247 |
| Net interest margin | 3.0962% | 4,483 |
| Noninterest income to average assets | 116.3716% | 11 |
| Noninterest expense to average assets | 67.3996% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 37.7275% | 6 |
| Return on assets (ROA) | 37.7275% | 6 |
| Pretax return on assets | 49.0531% | 4 |
| Return on Equity (ROE) | 38.8264% | 20 |
| Retained earnings to average equity (ytd only) | 38.8264% | 6 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2052% | 4,041 |
| Assets per employee ($millions) | 0.7365% | 5,222 |
| 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 | 0.7381% | 5,258 |
| Equity capital to assets | 98.3490% | 2 |
| Core capital (leverage) ratio | 100.3265% | 5 |
| Tier 1 risk-based capital ratio | 280.3030% | 18 |
| Total risk-based capital ratio | 280.3030% | 18 |
| Memoranda: | ||
| Average total assets | $60,827,750 | 4,644 |
| Average earning assets | $1,593,250 | 5,255 |
| Average equity | $59,106,000 | 1,389 |
| Average total loans | $4,000 | 5,226 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1407% | 5,172 |
| Cost of funding earning assets | 0.0000% | 5,294 |
| Net interest margin | 3.1407% | 4,468 |
| Noninterest income to average assets | 117.6907% | 11 |
| Noninterest expense to average assets | 68.7580% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 37.6172% | 6 |
| Return on assets (ROA) | 37.6172% | 7 |
| Pretax return on assets | 49.0188% | 4 |
| Return on Equity (ROE) | 38.9008% | 21 |
| Retained earnings to average equity (ytd only) | 38.9008% | 8 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6717% | 4,052 |
| Assets per employee ($millions) | 0.6220% | 5,274 |
| 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 | 0.8054% | 5,304 |
| Equity capital to assets | 97.3899% | 3 |
| Core capital (leverage) ratio | 101.1439% | 5 |
| Tier 1 risk-based capital ratio | 271.0431% | 18 |
| Total risk-based capital ratio | 271.0431% | 18 |
| Memoranda: | ||
| Average total assets | $58,026,670 | 4,726 |
| Average earning assets | $1,592,000 | 5,302 |
| Average equity | $56,112,000 | 1,431 |
| Average total loans | $5,330 | 5,274 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2715% | 5,185 |
| Cost of funding earning assets | 0.0000% | 5,351 |
| Net interest margin | 3.2715% | 4,227 |
| Noninterest income to average assets | 114.9582% | 9 |
| Noninterest expense to average assets | 69.5982% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 34.7304% | 6 |
| Return on assets (ROA) | 34.7304% | 6 |
| Pretax return on assets | 45.4540% | 5 |
| Return on Equity (ROE) | 36.0630% | 30 |
| Retained earnings to average equity (ytd only) | 36.0630% | 16 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7197% | 3,849 |
| Assets per employee ($millions) | 0.5951% | 5,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 0.0274% | 5,334 |
| Net loans and leases to deposits | 3.1311% | 5,330 |
| Net loans and leases to core deposits | 3.1311% | 5,320 |
| Total domestic deposits to total assets | 0.8762% | 5,362 |
| Equity capital to assets | 95.4747% | 5 |
| Core capital (leverage) ratio | 99.4473% | 4 |
| Tier 1 risk-based capital ratio | 258.6264% | 18 |
| Total risk-based capital ratio | 258.6264% | 18 |
| Memoranda: | ||
| Average total assets | $55,317,500 | 4,818 |
| Average earning assets | $1,589,500 | 5,361 |
| Average equity | $53,273,500 | 1,494 |
| Average total loans | $8,000 | 5,334 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6813% | 5,321 |
| Cost of funding earning assets | 0.0000% | 5,396 |
| Net interest margin | 2.6813% | 5,109 |
| Noninterest income to average assets | 106.0184% | 10 |
| Noninterest expense to average assets | 59.2132% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 34.7869% | 6 |
| Return on assets (ROA) | 34.7869% | 6 |
| Pretax return on assets | 46.8731% | 5 |
| Return on Equity (ROE) | 35.6856% | 18 |
| Retained earnings to average equity (ytd only) | -5.7919% | 5,260 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0279% | 4,513 |
| Assets per employee ($millions) | 0.5394% | 5,376 |
| Cash dividends to net income (ytd only)* | 116.2304% | 166 |
| 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 | 0.9767% | 5,403 |
| Equity capital to assets | 97.2304% | 5 |
| Core capital (leverage) ratio | 69.8618% | 28 |
| Tier 1 risk-based capital ratio | 252.9761% | 21 |
| Total risk-based capital ratio | 252.9761% | 21 |
| Memoranda: | ||
| Average total assets | $61,830,800 | 4,725 |
| Average earning assets | $1,566,400 | 5,404 |
| Average equity | $60,273,600 | 1,315 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5535% | 5,403 |
| Cost of funding earning assets | 0.0000% | 5,467 |
| Net interest margin | 2.5535% | 5,248 |
| Noninterest income to average assets | 101.6405% | 11 |
| Noninterest expense to average assets | 56.2981% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 35.0347% | 6 |
| Return on assets (ROA) | 35.0347% | 6 |
| Pretax return on assets | 45.4048% | 5 |
| Return on Equity (ROE) | 35.9210% | 22 |
| Retained earnings to average equity (ytd only) | 35.9210% | 7 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5531% | 4,557 |
| Assets per employee ($millions) | 0.7498% | 5,439 |
| 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 | 0.7044% | 5,479 |
| Equity capital to assets | 98.9622% | 2 |
| Core capital (leverage) ratio | 100.6258% | 4 |
| Tier 1 risk-based capital ratio | 299.3079% | 15 |
| Total risk-based capital ratio | 299.3079% | 15 |
| Memoranda: | ||
| Average total assets | $64,209,000 | 4,736 |
| Average earning assets | $1,566,500 | 5,476 |
| Average equity | $62,624,750 | 1,278 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4255% | 5,480 |
| Cost of funding earning assets | 0.0000% | 5,529 |
| Net interest margin | 2.4255% | 5,374 |
| Noninterest income to average assets | 107.9342% | 10 |
| Noninterest expense to average assets | 57.9691% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 38.7153% | 6 |
| Return on assets (ROA) | 38.7153% | 6 |
| Pretax return on assets | 50.0268% | 5 |
| Return on Equity (ROE) | 39.9226% | 20 |
| Retained earnings to average equity (ytd only) | 39.9226% | 6 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8807% | 4,799 |
| Assets per employee ($millions) | 0.7523% | 5,503 |
| 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 | 0.7577% | 5,544 |
| Equity capital to assets | 97.9028% | 3 |
| Core capital (leverage) ratio | 100.8972% | 4 |
| Tier 1 risk-based capital ratio | 286.3975% | 18 |
| Total risk-based capital ratio | 286.3975% | 18 |
| Memoranda: | ||
| Average total assets | $61,619,000 | 4,839 |
| Average earning assets | $1,566,670 | 5,540 |
| Average equity | $59,755,670 | 1,332 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2952% | 5,552 |
| Cost of funding earning assets | 0.0000% | 5,593 |
| Net interest margin | 2.2952% | 5,474 |
| Noninterest income to average assets | 109.7952% | 9 |
| Noninterest expense to average assets | 61.9314% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 37.0673% | 6 |
| Return on assets (ROA) | 37.0673% | 6 |
| Pretax return on assets | 47.9253% | 5 |
| Return on Equity (ROE) | 38.4355% | 22 |
| Retained earnings to average equity (ytd only) | 38.4355% | 10 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5417% | 4,641 |
| Assets per employee ($millions) | 0.6875% | 5,567 |
| 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 | 0.8200% | 5,606 |
| Equity capital to assets | 95.5706% | 5 |
| Core capital (leverage) ratio | 101.0344% | 2 |
| Tier 1 risk-based capital ratio | 269.1668% | 22 |
| Total risk-based capital ratio | 269.1668% | 22 |
| Memoranda: | ||
| Average total assets | $58,574,500 | 4,956 |
| Average earning assets | $1,568,500 | 5,605 |
| Average equity | $56,489,500 | 1,398 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6558% | 5,621 |
| Cost of funding earning assets | 0.0000% | 5,660 |
| Net interest margin | 1.6558% | 5,607 |
| Noninterest income to average assets | 106.0619% | 11 |
| Noninterest expense to average assets | 59.5752% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 28.6431% | 6 |
| Return on assets (ROA) | 28.6431% | 6 |
| Pretax return on assets | 46.5309% | 5 |
| Return on Equity (ROE) | 29.5572% | 35 |
| Retained earnings to average equity (ytd only) | 3.2327% | 3,358 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2124% | 4,842 |
| Assets per employee ($millions) | 0.6134% | 5,636 |
| Cash dividends to net income (ytd only)* | 89.0631% | 559 |
| 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 | 0.9397% | 5,669 |
| Equity capital to assets | 97.4373% | 3 |
| Core capital (leverage) ratio | 80.6714% | 23 |
| Tier 1 risk-based capital ratio | 278.4038% | 19 |
| Total risk-based capital ratio | 278.4038% | 19 |
| Memoranda: | ||
| Average total assets | $58,799,600 | 4,987 |
| Average earning assets | $1,570,200 | 5,669 |
| Average equity | $56,981,000 | 1,379 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5291% | 5,700 |
| Cost of funding earning assets | 0.0000% | 5,725 |
| Net interest margin | 1.5291% | 5,686 |
| Noninterest income to average assets | 104.1766% | 12 |
| Noninterest expense to average assets | 57.6786% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 28.1242% | 7 |
| Return on assets (ROA) | 28.1242% | 7 |
| Pretax return on assets | 46.5381% | 6 |
| Return on Equity (ROE) | 29.0581% | 34 |
| Retained earnings to average equity (ytd only) | 29.0581% | 16 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3873% | 4,907 |
| Assets per employee ($millions) | 0.7516% | 5,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 0.7861% | 5,737 |
| Equity capital to assets | 97.8345% | 2 |
| Core capital (leverage) ratio | 98.4131% | 4 |
| Tier 1 risk-based capital ratio | 297.2408% | 16 |
| Total risk-based capital ratio | 297.2408% | 16 |
| Memoranda: | ||
| Average total assets | $59,852,000 | 5,023 |
| Average earning assets | $1,569,500 | 5,736 |
| Average equity | $57,928,500 | 1,367 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2744% | 5,764 |
| Cost of funding earning assets | 0.0000% | 5,773 |
| Net interest margin | 1.2744% | 5,752 |
| Noninterest income to average assets | 109.3887% | 12 |
| Noninterest expense to average assets | 58.3353% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 32.1656% | 6 |
| Return on assets (ROA) | 32.1656% | 6 |
| Pretax return on assets | 51.0878% | 5 |
| Return on Equity (ROE) | 33.3695% | 26 |
| Retained earnings to average equity (ytd only) | 33.3695% | 15 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.3475% | 5,153 |
| Assets per employee ($millions) | 0.7468% | 5,744 |
| 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 | 0.8292% | 5,789 |
| Equity capital to assets | 97.8914% | 2 |
| Core capital (leverage) ratio | 99.4424% | 3 |
| Tier 1 risk-based capital ratio | 292.6267% | 18 |
| Total risk-based capital ratio | 292.6267% | 18 |
| Memoranda: | ||
| Average total assets | $58,006,000 | 5,102 |
| Average earning assets | $1,569,330 | 5,786 |
| Average equity | $55,913,330 | 1,417 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2747% | 5,829 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 1.2747% | 5,818 |
| Noninterest income to average assets | 108.2467% | 11 |
| Noninterest expense to average assets | 58.6827% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 31.1622% | 6 |
| Return on assets (ROA) | 31.1622% | 6 |
| Pretax return on assets | 49.5997% | 5 |
| Return on Equity (ROE) | 32.6091% | 31 |
| Retained earnings to average equity (ytd only) | 32.6091% | 20 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1720% | 5,190 |
| Assets per employee ($millions) | 0.7069% | 5,815 |
| 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 | 0.8656% | 5,855 |
| Equity capital to assets | 93.8245% | 6 |
| Core capital (leverage) ratio | 98.9310% | 2 |
| Tier 1 risk-based capital ratio | 277.4705% | 19 |
| Total risk-based capital ratio | 277.4705% | 19 |
| Memoranda: | ||
| Average total assets | $56,016,500 | 5,194 |
| Average earning assets | $1,569,000 | 5,855 |
| Average equity | $53,531,000 | 1,452 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8306% | 5,888 |
| Cost of funding earning assets | 0.0000% | 5,897 |
| Net interest margin | 0.8306% | 5,887 |
| Noninterest income to average assets | 110.8055% | 13 |
| Noninterest expense to average assets | 64.7572% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 29.4819% | 7 |
| Return on assets (ROA) | 29.4819% | 7 |
| Pretax return on assets | 46.0917% | 6 |
| Return on Equity (ROE) | 30.4454% | 34 |
| Retained earnings to average equity (ytd only) | 10.9516% | 309 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3686% | 4,918 |
| Assets per employee ($millions) | 0.6194% | 5,875 |
| Cash dividends to net income (ytd only)* | 64.0287% | 1,588 |
| 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% | 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 | 0.9762% | 5,910 |
| Equity capital to assets | 97.5234% | 2 |
| Core capital (leverage) ratio | 91.3542% | 13 |
| Tier 1 risk-based capital ratio | 272.7666% | 20 |
| Total risk-based capital ratio | 272.7666% | 20 |
| Memoranda: | ||
| Average total assets | $52,974,800 | 5,286 |
| Average earning assets | $2,769,000 | 5,910 |
| Average equity | $51,298,400 | 1,489 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7820% | 5,959 |
| Cost of funding earning assets | 0.0000% | 5,963 |
| Net interest margin | 0.7820% | 5,958 |
| Noninterest income to average assets | 109.9782% | 12 |
| Noninterest expense to average assets | 65.5502% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 28.3421% | 7 |
| Return on assets (ROA) | 28.3421% | 7 |
| Pretax return on assets | 44.4733% | 6 |
| Return on Equity (ROE) | 29.3200% | 44 |
| Retained earnings to average equity (ytd only) | 29.3200% | 14 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5254% | 4,747 |
| Assets per employee ($millions) | 0.6645% | 5,942 |
| 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 | 0.8891% | 5,982 |
| Equity capital to assets | 98.6093% | 1 |
| Core capital (leverage) ratio | 98.9120% | 2 |
| Tier 1 risk-based capital ratio | 287.8249% | 17 |
| Total risk-based capital ratio | 287.8249% | 17 |
| Memoranda: | ||
| Average total assets | $53,055,250 | 5,342 |
| Average earning assets | $3,069,000 | 5,977 |
| Average equity | $51,285,750 | 1,497 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6725% | 6,043 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 0.6725% | 6,040 |
| Noninterest income to average assets | 113.6871% | 11 |
| Noninterest expense to average assets | 67.4538% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 29.5555% | 6 |
| Return on assets (ROA) | 29.5555% | 6 |
| Pretax return on assets | 46.2800% | 6 |
| Return on Equity (ROE) | 30.8072% | 41 |
| Retained earnings to average equity (ytd only) | 30.8072% | 19 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2801% | 4,866 |
| Assets per employee ($millions) | 0.6103% | 6,022 |
| 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 | 0.9464% | 6,058 |
| Equity capital to assets | 98.2030% | 2 |
| Core capital (leverage) ratio | 99.2861% | 2 |
| Tier 1 risk-based capital ratio | 275.6344% | 18 |
| Total risk-based capital ratio | 275.6344% | 18 |
| Memoranda: | ||
| Average total assets | $51,469,330 | 5,429 |
| Average earning assets | $3,569,000 | 6,052 |
| Average equity | $49,378,000 | 1,541 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5253% | 6,111 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 0.5253% | 6,109 |
| Noninterest income to average assets | 109.8237% | 12 |
| Noninterest expense to average assets | 67.9994% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 26.6547% | 7 |
| Return on assets (ROA) | 26.6547% | 7 |
| Pretax return on assets | 41.8722% | 6 |
| Return on Equity (ROE) | 28.1444% | 66 |
| Retained earnings to average equity (ytd only) | 28.1444% | 32 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9588% | 4,608 |
| Assets per employee ($millions) | 0.5951% | 6,084 |
| 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 | 0.9835% | 6,123 |
| Equity capital to assets | 93.7000% | 10 |
| Core capital (leverage) ratio | 97.4537% | 4 |
| Tier 1 risk-based capital ratio | 241.3953% | 21 |
| Total risk-based capital ratio | 241.3953% | 21 |
| Memoranda: | ||
| Average total assets | $50,047,500 | 5,512 |
| Average earning assets | $4,569,000 | 6,113 |
| Average equity | $47,398,500 | 1,592 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2907% | 6,173 |
| Cost of funding earning assets | 0.0000% | 6,168 |
| Net interest margin | 0.2907% | 6,171 |
| Noninterest income to average assets | 110.4440% | 11 |
| Noninterest expense to average assets | 69.9067% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 25.2577% | 9 |
| Return on assets (ROA) | 25.2577% | 9 |
| Pretax return on assets | 40.5799% | 7 |
| Return on Equity (ROE) | 26.9791% | 79 |
| Retained earnings to average equity (ytd only) | -8.7753% | 6,018 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8531% | 4,633 |
| Assets per employee ($millions) | 0.5132% | 6,147 |
| Cash dividends to net income (ytd only)* | 132.5264% | 200 |
| 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 | 1.0790% | 6,178 |
| Equity capital to assets | 95.8119% | 4 |
| Core capital (leverage) ratio | 85.1482% | 16 |
| Tier 1 risk-based capital ratio | 250.1353% | 21 |
| Total risk-based capital ratio | 250.1353% | 21 |
| Memoranda: | ||
| Average total assets | $51,683,200 | 5,512 |
| Average earning assets | $7,568,200 | 6,167 |
| Average equity | $48,385,600 | 1,540 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2996% | 6,259 |
| Cost of funding earning assets | 0.0000% | 6,253 |
| Net interest margin | 0.2996% | 6,256 |
| Noninterest income to average assets | 109.2961% | 11 |
| Noninterest expense to average assets | 70.6221% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 24.8224% | 8 |
| Return on assets (ROA) | 24.8224% | 8 |
| Pretax return on assets | 38.7170% | 8 |
| Return on Equity (ROE) | 26.6555% | 86 |
| Retained earnings to average equity (ytd only) | 6.2684% | 2,078 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5900% | 4,143 |
| Assets per employee ($millions) | 0.5950% | 6,232 |
| Cash dividends to net income (ytd only)* | 76.4838% | 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% | 5,840 |
| 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 | 0.9208% | 6,267 |
| Equity capital to assets | 93.4777% | 8 |
| Core capital (leverage) ratio | 94.4884% | 10 |
| Tier 1 risk-based capital ratio | 264.1650% | 22 |
| Total risk-based capital ratio | 264.1650% | 22 |
| Memoranda: | ||
| Average total assets | $52,671,500 | 5,557 |
| Average earning assets | $7,568,000 | 6,254 |
| Average equity | $49,049,250 | 1,531 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2907% | 6,338 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 0.2907% | 6,335 |
| Noninterest income to average assets | 112.8196% | 11 |
| Noninterest expense to average assets | 74.4984% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 24.5265% | 8 |
| Return on assets (ROA) | 24.5265% | 8 |
| Pretax return on assets | 38.3639% | 8 |
| Return on Equity (ROE) | 26.3741% | 94 |
| Retained earnings to average equity (ytd only) | -4.8946% | 6,014 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0082% | 4,006 |
| Assets per employee ($millions) | 0.5809% | 6,314 |
| Cash dividends to net income (ytd only)* | 118.5583% | 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% | 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 | 0.9742% | 6,343 |
| Equity capital to assets | 92.3180% | 6 |
| Core capital (leverage) ratio | 93.0970% | 10 |
| Tier 1 risk-based capital ratio | 256.3375% | 21 |
| Total risk-based capital ratio | 256.3375% | 21 |
| Memoranda: | ||
| Average total assets | $51,585,000 | 5,643 |
| Average earning assets | $7,568,000 | 6,329 |
| Average equity | $47,971,330 | 1,565 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3171% | 6,408 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 0.3171% | 6,406 |
| Noninterest income to average assets | 110.9185% | 11 |
| Noninterest expense to average assets | 77.8872% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 20.8615% | 8 |
| Return on assets (ROA) | 20.8615% | 8 |
| Pretax return on assets | 33.0785% | 8 |
| Return on Equity (ROE) | 22.3486% | 176 |
| Retained earnings to average equity (ytd only) | -40.7356% | 6,376 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1903% | 3,457 |
| Assets per employee ($millions) | 0.5381% | 6,383 |
| Cash dividends to net income (ytd only)* | 282.2732% | 123 |
| 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 | 1.0291% | 6,415 |
| Equity capital to assets | 90.1922% | 12 |
| Core capital (leverage) ratio | 85.3855% | 19 |
| Tier 1 risk-based capital ratio | 254.7567% | 22 |
| Total risk-based capital ratio | 254.7567% | 22 |
| Memoranda: | ||
| Average total assets | $50,945,500 | 5,704 |
| Average earning assets | $7,568,000 | 6,399 |
| Average equity | $47,555,500 | 1,583 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3037% | 6,496 |
| Cost of funding earning assets | 0.0000% | 6,493 |
| Net interest margin | 0.3037% | 6,495 |
| Noninterest income to average assets | 118.9667% | 10 |
| Noninterest expense to average assets | 66.1888% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 33.5111% | 6 |
| Return on assets (ROA) | 33.5111% | 6 |
| Pretax return on assets | 52.8302% | 4 |
| Return on Equity (ROE) | 34.6907% | 36 |
| Retained earnings to average equity (ytd only) | 34.6907% | 16 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6119% | 5,706 |
| Assets per employee ($millions) | 0.5761% | 6,471 |
| 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 | 0.9933% | 6,506 |
| Equity capital to assets | 96.3895% | 4 |
| Core capital (leverage) ratio | 98.7254% | 1 |
| Tier 1 risk-based capital ratio | 296.3257% | 18 |
| Total risk-based capital ratio | 296.3257% | 18 |
| Memoranda: | ||
| Average total assets | $44,039,200 | 5,929 |
| Average earning assets | $7,572,800 | 6,490 |
| Average equity | $42,541,600 | 1,689 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2993% | 6,577 |
| Cost of funding earning assets | 0.0000% | 6,574 |
| Net interest margin | 0.2993% | 6,576 |
| Noninterest income to average assets | 122.3347% | 9 |
| Noninterest expense to average assets | 67.6300% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 34.8763% | 6 |
| Return on assets (ROA) | 34.8763% | 6 |
| Pretax return on assets | 54.7585% | 4 |
| Return on Equity (ROE) | 36.0799% | 36 |
| Retained earnings to average equity (ytd only) | 36.0799% | 18 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2585% | 5,720 |
| Assets per employee ($millions) | 0.5477% | 6,551 |
| 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 | 1.0808% | 6,583 |
| Equity capital to assets | 97.0137% | 1 |
| Core capital (leverage) ratio | 98.6729% | 1 |
| Tier 1 risk-based capital ratio | 295.7895% | 17 |
| Total risk-based capital ratio | 295.7895% | 17 |
| Memoranda: | ||
| Average total assets | $42,086,750 | 6,052 |
| Average earning assets | $7,574,000 | 6,569 |
| Average equity | $40,682,750 | 1,766 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2904% | 6,644 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 0.2904% | 6,643 |
| Noninterest income to average assets | 126.5460% | 8 |
| Noninterest expense to average assets | 68.7363% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 37.0004% | 6 |
| Return on assets (ROA) | 37.0004% | 6 |
| Pretax return on assets | 57.8644% | 3 |
| Return on Equity (ROE) | 38.3321% | 31 |
| Retained earnings to average equity (ytd only) | 38.3321% | 19 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2938% | 5,891 |
| Assets per employee ($millions) | 0.5045% | 6,620 |
| 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 | 1.1869% | 6,649 |
| Equity capital to assets | 98.3199% | 1 |
| Core capital (leverage) ratio | 97.1800% | 3 |
| Tier 1 risk-based capital ratio | 293.9977% | 18 |
| Total risk-based capital ratio | 293.9977% | 18 |
| Memoranda: | ||
| Average total assets | $40,232,000 | 6,169 |
| Average earning assets | $7,576,000 | 6,636 |
| Average equity | $38,834,330 | 1,819 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3168% | 6,718 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 0.3168% | 6,716 |
| Noninterest income to average assets | 126.2428% | 8 |
| Noninterest expense to average assets | 71.0536% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 35.2164% | 7 |
| Return on assets (ROA) | 35.2164% | 7 |
| Pretax return on assets | 55.2513% | 4 |
| Return on Equity (ROE) | 36.8684% | 41 |
| Retained earnings to average equity (ytd only) | 36.8684% | 25 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2556% | 5,816 |
| Assets per employee ($millions) | 0.5305% | 6,691 |
| 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 | 1.2447% | 6,719 |
| Equity capital to assets | 93.3417% | 11 |
| Core capital (leverage) ratio | 98.6438% | 2 |
| Tier 1 risk-based capital ratio | 277.3174% | 22 |
| Total risk-based capital ratio | 277.3174% | 22 |
| Memoranda: | ||
| Average total assets | $38,652,500 | 6,267 |
| Average earning assets | $7,576,000 | 6,708 |
| Average equity | $36,920,500 | 1,896 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2905% | 6,796 |
| Cost of funding earning assets | 0.0000% | 6,798 |
| Net interest margin | 0.2905% | 6,793 |
| Noninterest income to average assets | 149.3986% | 6 |
| Noninterest expense to average assets | 87.3189% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 39.6777% | 5 |
| Return on assets (ROA) | 39.6777% | 5 |
| Pretax return on assets | 62.1514% | 3 |
| Return on Equity (ROE) | 41.6296% | 23 |
| Retained earnings to average equity (ytd only) | 41.6296% | 11 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4189% | 5,690 |
| Assets per employee ($millions) | 0.4436% | 6,775 |
| 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 | 1.4334% | 6,800 |
| Equity capital to assets | 98.0266% | 2 |
| Core capital (leverage) ratio | 98.6527% | 4 |
| Tier 1 risk-based capital ratio | 282.1583% | 21 |
| Total risk-based capital ratio | 282.1583% | 21 |
| Memoranda: | ||
| Average total assets | $30,626,800 | 6,504 |
| Average earning assets | $7,574,400 | 6,795 |
| Average equity | $29,190,800 | 2,301 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2816% | 6,876 |
| Cost of funding earning assets | 0.0000% | 6,877 |
| Net interest margin | 0.2816% | 6,874 |
| Noninterest income to average assets | 153.8859% | 5 |
| Noninterest expense to average assets | 89.2947% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 41.2574% | 5 |
| Return on assets (ROA) | 41.2574% | 5 |
| Pretax return on assets | 64.6640% | 3 |
| Return on Equity (ROE) | 43.6683% | 21 |
| Retained earnings to average equity (ytd only) | 43.6683% | 11 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9991% | 5,683 |
| Assets per employee ($millions) | 0.4307% | 6,856 |
| 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 | 1.5529% | 6,877 |
| Equity capital to assets | 96.8942% | 4 |
| Core capital (leverage) ratio | 97.6925% | 2 |
| Tier 1 risk-based capital ratio | 272.3682% | 22 |
| Total risk-based capital ratio | 272.3682% | 21 |
| Memoranda: | ||
| Average total assets | $29,301,500 | 6,612 |
| Average earning assets | $7,574,000 | 6,873 |
| Average equity | $27,683,750 | 2,434 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2905% | 6,927 |
| Cost of funding earning assets | 0.0000% | 6,924 |
| Net interest margin | 0.2905% | 6,923 |
| Noninterest income to average assets | 160.1199% | 5 |
| Noninterest expense to average assets | 87.7061% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 46.4125% | 3 |
| Return on assets (ROA) | 46.4125% | 3 |
| Pretax return on assets | 72.4923% | 2 |
| Return on Equity (ROE) | 49.6253% | 21 |
| Retained earnings to average equity (ytd only) | 49.6253% | 8 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7484% | 6,077 |
| Assets per employee ($millions) | 0.4091% | 6,904 |
| 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 | 1.7043% | 6,929 |
| Equity capital to assets | 97.6583% | 1 |
| Core capital (leverage) ratio | 97.4941% | 2 |
| Tier 1 risk-based capital ratio | 267.8746% | 19 |
| Total risk-based capital ratio | 267.8746% | 19 |
| Memoranda: | ||
| Average total assets | $28,014,000 | 6,690 |
| Average earning assets | $7,573,330 | 6,923 |
| Average equity | $26,200,330 | 2,570 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3170% | 7,006 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 0.3170% | 7,001 |
| Noninterest income to average assets | 160.1637% | 4 |
| Noninterest expense to average assets | 92.9824% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 43.1359% | 3 |
| Return on assets (ROA) | 43.1359% | 3 |
| Pretax return on assets | 67.2705% | 2 |
| Return on Equity (ROE) | 47.2988% | 31 |
| Retained earnings to average equity (ytd only) | 47.2988% | 20 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0223% | 5,846 |
| Assets per employee ($millions) | 0.3837% | 6,986 |
| 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 | 1.8172% | 7,004 |
| Equity capital to assets | 91.4425% | 10 |
| Core capital (leverage) ratio | 96.7112% | 2 |
| Tier 1 risk-based capital ratio | 249.9134% | 23 |
| Total risk-based capital ratio | 249.9134% | 23 |
| Memoranda: | ||
| Average total assets | $26,882,500 | 6,778 |
| Average earning assets | $7,572,000 | 7,002 |
| Average equity | $24,516,500 | 2,759 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2509% | 7,070 |
| Cost of funding earning assets | 0.0000% | 7,072 |
| Net interest margin | 0.2509% | 7,067 |
| Noninterest income to average assets | 152.7662% | 5 |
| Noninterest expense to average assets | 87.5347% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 41.8093% | 3 |
| Return on assets (ROA) | 41.8093% | 3 |
| Pretax return on assets | 65.3102% | 3 |
| Return on Equity (ROE) | 44.8516% | 18 |
| Retained earnings to average equity (ytd only) | 15.9552% | 125 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2703% | 5,925 |
| Assets per employee ($millions) | 0.3383% | 7,056 |
| Cash dividends to net income (ytd only)* | 64.4266% | 1,579 |
| 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 | 2.0379% | 7,066 |
| Equity capital to assets | 90.9259% | 13 |
| Core capital (leverage) ratio | 80.1578% | 25 |
| Tier 1 risk-based capital ratio | 243.0920% | 25 |
| Total risk-based capital ratio | 243.0920% | 24 |
| Memoranda: | ||
| Average total assets | $24,131,000 | 6,891 |
| Average earning assets | $7,573,600 | 7,066 |
| Average equity | $22,494,200 | 2,913 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2288% | 7,175 |
| Cost of funding earning assets | 0.0000% | 7,171 |
| Net interest margin | 0.2288% | 7,174 |
| Noninterest income to average assets | 149.3012% | 5 |
| Noninterest expense to average assets | 81.4650% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 43.4890% | 3 |
| Return on assets (ROA) | 43.4890% | 3 |
| Pretax return on assets | 67.9089% | 3 |
| Return on Equity (ROE) | 46.3502% | 17 |
| Retained earnings to average equity (ytd only) | 46.3502% | 7 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5376% | 6,197 |
| Assets per employee ($millions) | 0.3891% | 7,150 |
| 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 | 1.8238% | 7,171 |
| Equity capital to assets | 95.9335% | 4 |
| Core capital (leverage) ratio | 97.5442% | 2 |
| Tier 1 risk-based capital ratio | 279.9836% | 19 |
| Total risk-based capital ratio | 279.9836% | 19 |
| Memoranda: | ||
| Average total assets | $23,821,500 | 6,986 |
| Average earning assets | $7,574,000 | 7,161 |
| Average equity | $22,351,000 | 2,965 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1848% | 7,240 |
| Cost of funding earning assets | 0.0000% | 7,233 |
| Net interest margin | 0.1848% | 7,238 |
| Noninterest income to average assets | 157.2687% | 5 |
| Noninterest expense to average assets | 82.0747% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 48.1378% | 3 |
| Return on assets (ROA) | 48.1378% | 3 |
| Pretax return on assets | 75.2568% | 3 |
| Return on Equity (ROE) | 51.7987% | 18 |
| Retained earnings to average equity (ytd only) | 51.7987% | 9 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1667% | 6,487 |
| Assets per employee ($millions) | 0.3591% | 7,215 |
| 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 | 2.0358% | 7,237 |
| Equity capital to assets | 97.4504% | 1 |
| Core capital (leverage) ratio | 96.9371% | 3 |
| Tier 1 risk-based capital ratio | 284.1588% | 15 |
| Total risk-based capital ratio | 284.1588% | 15 |
| Memoranda: | ||
| Average total assets | $22,294,330 | 7,072 |
| Average earning assets | $7,574,670 | 7,222 |
| Average equity | $20,718,670 | 3,134 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2112% | 7,301 |
| Cost of funding earning assets | 0.0000% | 7,293 |
| Net interest margin | 0.2112% | 7,300 |
| Noninterest income to average assets | 167.4261% | 4 |
| Noninterest expense to average assets | 74.5705% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 59.6100% | 2 |
| Return on assets (ROA) | 59.6100% | 2 |
| Pretax return on assets | 92.9329% | 2 |
| Return on Equity (ROE) | 66.1235% | 17 |
| Retained earnings to average equity (ytd only) | 66.1235% | 13 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.5188% | 6,966 |
| Assets per employee ($millions) | 0.3612% | 7,279 |
| 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 | 2.1538% | 7,298 |
| Equity capital to assets | 91.8611% | 5 |
| Core capital (leverage) ratio | 118.6412% | 1 |
| Tier 1 risk-based capital ratio | 265.4665% | 18 |
| Total risk-based capital ratio | 265.4665% | 18 |
| Memoranda: | ||
| Average total assets | $20,694,500 | 7,160 |
| Average earning assets | $7,576,000 | 7,284 |
| Average equity | $18,656,000 | 3,397 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1980% | 7,350 |
| Cost of funding earning assets | 0.0000% | 7,346 |
| Net interest margin | 0.1980% | 7,349 |
| Noninterest income to average assets | 157.9712% | 5 |
| Noninterest expense to average assets | 114.1048% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 28.0352% | 4 |
| Return on assets (ROA) | 28.0352% | 4 |
| Pretax return on assets | 43.9416% | 4 |
| Return on Equity (ROE) | 30.9781% | 41 |
| Retained earnings to average equity (ytd only) | -7.7722% | 6,611 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1970% | 3,533 |
| Assets per employee ($millions) | 0.2475% | 7,332 |
| Cash dividends to net income (ytd only)* | 125.0893% | 195 |
| 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 | 3.0960% | 7,344 |
| Equity capital to assets | 87.6515% | 11 |
| Core capital (leverage) ratio | 65.2713% | 27 |
| Tier 1 risk-based capital ratio | 199.3782% | 23 |
| Total risk-based capital ratio | 199.3782% | 23 |
| Memoranda: | ||
| Average total assets | $19,960,600 | 7,208 |
| Average earning assets | $7,575,600 | 7,334 |
| Average equity | $18,064,400 | 3,416 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1937% | 7,429 |
| Cost of funding earning assets | 0.0000% | 7,423 |
| Net interest margin | 0.1937% | 7,427 |
| Noninterest income to average assets | 151.9584% | 7 |
| Noninterest expense to average assets | 96.0972% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 35.7368% | 3 |
| Return on assets (ROA) | 35.7368% | 3 |
| Pretax return on assets | 55.9319% | 4 |
| Return on Equity (ROE) | 39.2375% | 22 |
| Retained earnings to average equity (ytd only) | 39.2375% | 13 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2097% | 5,193 |
| Assets per employee ($millions) | 0.3410% | 7,408 |
| 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 | 2.2143% | 7,427 |
| Equity capital to assets | 92.2861% | 7 |
| Core capital (leverage) ratio | 94.5114% | 4 |
| Tier 1 risk-based capital ratio | 268.8374% | 20 |
| Total risk-based capital ratio | 268.8374% | 20 |
| Memoranda: | ||
| Average total assets | $20,743,750 | 7,265 |
| Average earning assets | $7,575,500 | 7,411 |
| Average equity | $18,893,000 | 3,305 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2112% | 7,502 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 0.2112% | 7,499 |
| Noninterest income to average assets | 159.4826% | 5 |
| Noninterest expense to average assets | 98.1160% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 39.4038% | 3 |
| Return on assets (ROA) | 39.4038% | 3 |
| Pretax return on assets | 61.4474% | 3 |
| Return on Equity (ROE) | 43.4921% | 27 |
| Retained earnings to average equity (ytd only) | 43.4921% | 18 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4903% | 5,658 |
| Assets per employee ($millions) | 0.3321% | 7,482 |
| 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 | 2.3767% | 7,500 |
| Equity capital to assets | 91.5013% | 11 |
| Core capital (leverage) ratio | 96.3401% | 2 |
| Tier 1 risk-based capital ratio | 255.8745% | 23 |
| Total risk-based capital ratio | 255.8745% | 23 |
| Memoranda: | ||
| Average total assets | $19,815,330 | 7,356 |
| Average earning assets | $7,575,330 | 7,485 |
| Average equity | $17,952,670 | 3,423 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2112% | 7,566 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 0.2112% | 7,562 |
| Noninterest income to average assets | 156.5676% | 5 |
| Noninterest expense to average assets | 106.7448% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 31.8081% | 4 |
| Return on assets (ROA) | 31.8081% | 4 |
| Pretax return on assets | 49.9081% | 4 |
| Return on Equity (ROE) | 35.3136% | 55 |
| Retained earnings to average equity (ytd only) | 35.3136% | 42 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1410% | 4,630 |
| Assets per employee ($millions) | 0.3208% | 7,543 |
| 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 | 2.6198% | 7,563 |
| Equity capital to assets | 88.7313% | 11 |
| Core capital (leverage) ratio | 94.7640% | 3 |
| Tier 1 risk-based capital ratio | 245.7660% | 25 |
| Total risk-based capital ratio | 245.7660% | 25 |
| Memoranda: | ||
| Average total assets | $18,762,500 | 7,429 |
| Average earning assets | $7,575,000 | 7,544 |
| Average equity | $16,900,000 | 3,576 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1981% | 7,643 |
| Cost of funding earning assets | 0.0000% | 7,641 |
| Net interest margin | 0.1981% | 7,631 |
| Noninterest income to average assets | 136.4045% | 7 |
| Noninterest expense to average assets | 71.0833% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 41.6267% | 3 |
| Return on assets (ROA) | 41.6267% | 3 |
| Pretax return on assets | 65.3968% | 3 |
| Return on Equity (ROE) | 44.8501% | 15 |
| Retained earnings to average equity (ytd only) | 1.3591% | 4,865 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0833% | 6,981 |
| Assets per employee ($millions) | 0.4302% | 7,620 |
| Cash dividends to net income (ytd only)* | 96.9697% | 439 |
| 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 | 2.9538% | 7,641 |
| Equity capital to assets | 91.5863% | 10 |
| Core capital (leverage) ratio | 72.2645% | 32 |
| Tier 1 risk-based capital ratio | 237.8386% | 31 |
| Total risk-based capital ratio | 237.8386% | 31 |
| Memoranda: | ||
| Average total assets | $19,819,000 | 7,472 |
| Average earning assets | $7,571,000 | 7,624 |
| Average equity | $18,394,600 | 3,368 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1938% | 7,754 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 0.1938% | 7,744 |
| Noninterest income to average assets | 129.8190% | 8 |
| Noninterest expense to average assets | 69.2242% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 39.0806% | 3 |
| Return on assets (ROA) | 39.0806% | 3 |
| Pretax return on assets | 60.6669% | 3 |
| Return on Equity (ROE) | 41.9867% | 21 |
| Retained earnings to average equity (ytd only) | 41.9867% | 10 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2940% | 6,857 |
| Assets per employee ($millions) | 0.6002% | 7,718 |
| 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 | 2.2976% | 7,747 |
| Equity capital to assets | 95.9090% | 3 |
| Core capital (leverage) ratio | 95.6782% | 5 |
| Tier 1 risk-based capital ratio | 287.8026% | 24 |
| Total risk-based capital ratio | 287.8026% | 24 |
| Memoranda: | ||
| Average total assets | $20,364,250 | 7,556 |
| Average earning assets | $7,570,000 | 7,728 |
| Average equity | $18,954,750 | 3,324 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1850% | 7,824 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 0.1850% | 7,816 |
| Noninterest income to average assets | 135.5169% | 8 |
| Noninterest expense to average assets | 69.9937% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 42.6080% | 3 |
| Return on assets (ROA) | 42.6080% | 3 |
| Pretax return on assets | 65.5948% | 3 |
| Return on Equity (ROE) | 46.3241% | 18 |
| Retained earnings to average equity (ytd only) | 46.3241% | 11 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6222% | 7,108 |
| Assets per employee ($millions) | 0.5894% | 7,787 |
| 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 | 2.4743% | 7,814 |
| Equity capital to assets | 94.5848% | 7 |
| Core capital (leverage) ratio | 94.8261% | 5 |
| Tier 1 risk-based capital ratio | 277.4260% | 26 |
| Total risk-based capital ratio | 277.4260% | 26 |
| Memoranda: | ||
| Average total assets | $19,550,330 | 7,638 |
| Average earning assets | $7,568,330 | 7,796 |
| Average equity | $17,982,000 | 3,468 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2115% | 7,925 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 0.2115% | 7,913 |
| Noninterest income to average assets | 139.0003% | 8 |
| Noninterest expense to average assets | 71.0389% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 44.2177% | 3 |
| Return on assets (ROA) | 44.2177% | 3 |
| Pretax return on assets | 68.0469% | 3 |
| Return on Equity (ROE) | 48.8591% | 27 |
| Retained earnings to average equity (ytd only) | 48.8591% | 20 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0756% | 7,235 |
| Assets per employee ($millions) | 0.5596% | 7,890 |
| 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 | 2.6209% | 7,916 |
| Equity capital to assets | 89.2137% | 15 |
| Core capital (leverage) ratio | 93.8440% | 6 |
| Tier 1 risk-based capital ratio | 260.6672% | 24 |
| Total risk-based capital ratio | 260.6672% | 24 |
| Memoranda: | ||
| Average total assets | $18,716,500 | 7,756 |
| Average earning assets | $7,565,000 | 7,897 |
| Average equity | $16,938,500 | 3,670 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1980% | 8,003 |
| Cost of funding earning assets | 0.0000% | 8,000 |
| Net interest margin | 0.1980% | 7,992 |
| Noninterest income to average assets | 128.9095% | 9 |
| Noninterest expense to average assets | 74.1625% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 35.5925% | 3 |
| Return on assets (ROA) | 35.5925% | 3 |
| Pretax return on assets | 54.8303% | 3 |
| Return on Equity (ROE) | 39.0366% | 21 |
| Retained earnings to average equity (ytd only) | 8.5726% | 574 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4935% | 6,833 |
| Assets per employee ($millions) | 0.5084% | 7,972 |
| Cash dividends to net income (ytd only)* | 78.0396% | 1,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| 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 | 3.0370% | 7,991 |
| Equity capital to assets | 91.9998% | 10 |
| Core capital (leverage) ratio | 81.1139% | 26 |
| Tier 1 risk-based capital ratio | 245.2807% | 26 |
| Total risk-based capital ratio | 245.2807% | 26 |
| Memoranda: | ||
| Average total assets | $18,001,000 | 7,825 |
| Average earning assets | $7,577,200 | 7,976 |
| Average equity | $16,412,800 | 3,801 |
| Average total loans | $200 | 7,970 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1935% | 8,092 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 0.1935% | 8,080 |
| Noninterest income to average assets | 123.8140% | 10 |
| Noninterest expense to average assets | 77.2646% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 30.0918% | 6 |
| Return on assets (ROA) | 30.0918% | 6 |
| Pretax return on assets | 46.6301% | 5 |
| Return on Equity (ROE) | 33.0745% | 41 |
| Retained earnings to average equity (ytd only) | 33.0745% | 19 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3631% | 6,045 |
| Assets per employee ($millions) | 0.5278% | 8,058 |
| 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 | 2.6987% | 8,081 |
| Equity capital to assets | 95.2478% | 5 |
| Core capital (leverage) ratio | 92.8051% | 8 |
| Tier 1 risk-based capital ratio | 277.1982% | 20 |
| Total risk-based capital ratio | 277.1982% | 20 |
| Memoranda: | ||
| Average total assets | $18,179,500 | 7,902 |
| Average earning assets | $7,580,250 | 8,062 |
| Average equity | $16,540,000 | 3,800 |
| Average total loans | $250 | 8,053 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1846% | 8,187 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 0.1846% | 8,169 |
| Noninterest income to average assets | 124.9295% | 10 |
| Noninterest expense to average assets | 77.8680% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 30.3102% | 4 |
| Return on assets (ROA) | 30.3102% | 4 |
| Pretax return on assets | 47.1404% | 4 |
| Return on Equity (ROE) | 33.8982% | 46 |
| Retained earnings to average equity (ytd only) | 33.8982% | 27 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2902% | 6,204 |
| Assets per employee ($millions) | 0.5113% | 8,153 |
| 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 | 3.2815% | 8,173 |
| Equity capital to assets | 93.3609% | 6 |
| Core capital (leverage) ratio | 92.4865% | 10 |
| Tier 1 risk-based capital ratio | 269.4684% | 23 |
| Total risk-based capital ratio | 269.4684% | 23 |
| Memoranda: | ||
| Average total assets | $17,730,000 | 7,995 |
| Average earning assets | $7,585,000 | 8,154 |
| Average equity | $15,853,330 | 3,947 |
| Average total loans | $330 | 8,146 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2107% | 8,240 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 0.2107% | 8,220 |
| Noninterest income to average assets | 128.4269% | 10 |
| Noninterest expense to average assets | 79.5998% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 31.7847% | 4 |
| Return on assets (ROA) | 31.7847% | 4 |
| Pretax return on assets | 48.9190% | 3 |
| Return on Equity (ROE) | 36.3972% | 49 |
| Retained earnings to average equity (ytd only) | 36.3972% | 31 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9363% | 6,059 |
| Assets per employee ($millions) | 0.5310% | 8,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 0.0052% | 8,194 |
| Net loans and leases to deposits | 0.1883% | 8,192 |
| Net loans and leases to core deposits | 0.1883% | 8,182 |
| Total domestic deposits to total assets | 2.7776% | 8,228 |
| Equity capital to assets | 83.0622% | 26 |
| Core capital (leverage) ratio | 92.5296% | 8 |
| Tier 1 risk-based capital ratio | 247.2209% | 26 |
| Total risk-based capital ratio | 247.2209% | 26 |
| Memoranda: | ||
| Average total assets | $17,392,000 | 8,051 |
| Average earning assets | $7,594,500 | 8,201 |
| Average equity | $15,188,000 | 4,109 |
| Average total loans | $500 | 8,196 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9636% | 8,229 |
| Cost of funding earning assets | 0.0000% | 8,290 |
| Net interest margin | 1.9636% | 8,086 |
| Noninterest income to average assets | 137.6276% | 10 |
| Noninterest expense to average assets | 73.9166% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 41.9167% | 4 |
| Return on assets (ROA) | 41.9167% | 4 |
| Pretax return on assets | 64.6071% | 4 |
| Return on Equity (ROE) | 46.0510% | 14 |
| Retained earnings to average equity (ytd only) | 13.0158% | 160 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3603% | 7,343 |
| Assets per employee ($millions) | 0.4234% | 8,258 |
| Cash dividends to net income (ytd only)* | 71.7360% | 2,096 |
| 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 | 3.6255% | 8,280 |
| Equity capital to assets | 92.5321% | 8 |
| Core capital (leverage) ratio | 73.1728% | 43 |
| Tier 1 risk-based capital ratio | 247.3047% | 31 |
| Total risk-based capital ratio | 247.3047% | 31 |
| Memoranda: | ||
| Average total assets | $16,628,200 | 8,114 |
| Average earning assets | $7,588,000 | 8,260 |
| Average equity | $15,135,400 | 4,115 |
| Average total loans | NA | NA |