Home > Credit One Bank > Performance and Condition Ratios
Credit One Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.1940% | 45 |
| Cost of funding earning assets | 2.7959% | 490 |
| Net interest margin | 24.3981% | 2 |
| Noninterest income to average assets | 80.9600% | 40 |
| Noninterest expense to average assets | 60.6410% | 38 |
| Loan and lease loss provision to assets | 7.9400% | 4 |
| Net operating income to assets | 33.2183% | 14 |
| Return on assets (ROA) | 33.2653% | 14 |
| Pretax return on assets | 33.2653% | 20 |
| Return on Equity (ROE) | 104.3600% | 8 |
| Retained earnings to average equity (ytd only) | 57.4390% | 14 |
| Net charge-offs to loans | 13.1055% | 21 |
| Credit loss provision to net charge-offs | 80.1897% | 1,403 |
| Earnings coverage of net charge-offs (x) | 4.1574% | 1,979 |
| Efficiency ratio | 59.5700% | 3,016 |
| Assets per employee ($millions) | 1.5016% | 4,349 |
| Cash dividends to net income (ytd only)* | 44.9622% | 1,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.6274% | 44 |
| Loan loss allowance to noncurrent loans | 349.6743% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 2.8287% | 110 |
| Noncurrent loans to loans | 3.8972% | 123 |
| Net loans and leases to total assets | 62.6900% | 2,633 |
| Net loans and leases to deposits | 123.8044% | 58 |
| Net loans and leases to core deposits | 166.5783% | 89 |
| Total domestic deposits to total assets | 50.6400% | 4,330 |
| Equity capital to assets | 32.7671% | 154 |
| Core capital (leverage) ratio | 33.9972% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,736 |
| Memoranda: | ||
| Average total assets | $1,738,342,000 | 664 |
| Average earning assets | $1,484,590,500 | 692 |
| Average equity | $554,090,000 | 279 |
| Average total loans | $1,313,126,500 | 629 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.4021% | 45 |
| Cost of funding earning assets | 2.9148% | 583 |
| Net interest margin | 24.4873% | 2 |
| Noninterest income to average assets | 81.7800% | 38 |
| Noninterest expense to average assets | 61.1720% | 36 |
| Loan and lease loss provision to assets | 11.0500% | 3 |
| Net operating income to assets | 29.4733% | 17 |
| Return on assets (ROA) | 29.4639% | 18 |
| Pretax return on assets | 29.4639% | 20 |
| Return on Equity (ROE) | 90.1600% | 6 |
| Retained earnings to average equity (ytd only) | -14.5439% | 4,430 |
| Net charge-offs to loans | 12.3886% | 21 |
| Credit loss provision to net charge-offs | 123.6739% | 1,629 |
| Earnings coverage of net charge-offs (x) | 4.5347% | 2,648 |
| Efficiency ratio | 60.1507% | 3,144 |
| Assets per employee ($millions) | 1.3698% | 4,375 |
| Cash dividends to net income (ytd only)* | 116.1310% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.3274% | 46 |
| Loan loss allowance to noncurrent loans | 371.3399% | 1,471 |
| Noncurrent assets plus other real estate owned to assets | 3.0387% | 81 |
| Noncurrent loans to loans | 3.8583% | 110 |
| Net loans and leases to total assets | 67.4700% | 2,205 |
| Net loans and leases to deposits | 130.5876% | 45 |
| Net loans and leases to core deposits | 176.0723% | 82 |
| Total domestic deposits to total assets | 51.6700% | 4,353 |
| Equity capital to assets | 30.9027% | 157 |
| Core capital (leverage) ratio | 31.3654% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $1,607,398,600 | 702 |
| Average earning assets | $1,307,691,800 | 760 |
| Average equity | $525,284,200 | 276 |
| Average total loans | $1,159,551,200 | 685 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.2512% | 46 |
| Cost of funding earning assets | 2.9017% | 593 |
| Net interest margin | 24.3495% | 2 |
| Noninterest income to average assets | 81.8900% | 34 |
| Noninterest expense to average assets | 61.3583% | 35 |
| Loan and lease loss provision to assets | 11.5700% | 1 |
| Net operating income to assets | 28.5339% | 17 |
| Return on assets (ROA) | 28.5467% | 18 |
| Pretax return on assets | 28.5467% | 24 |
| Return on Equity (ROE) | 86.1300% | 6 |
| Retained earnings to average equity (ytd only) | -27.4958% | 4,509 |
| Net charge-offs to loans | 12.3994% | 21 |
| Credit loss provision to net charge-offs | 132.4757% | 1,397 |
| Earnings coverage of net charge-offs (x) | 4.5931% | 2,431 |
| Efficiency ratio | 60.4767% | 3,113 |
| Assets per employee ($millions) | 1.3084% | 4,409 |
| Cash dividends to net income (ytd only)* | 131.9230% | 113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.4765% | 48 |
| Loan loss allowance to noncurrent loans | 414.2349% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 2.8688% | 92 |
| Noncurrent loans to loans | 3.7362% | 129 |
| Net loans and leases to total assets | 64.9000% | 2,427 |
| Net loans and leases to deposits | 128.1318% | 47 |
| Net loans and leases to core deposits | 172.8264% | 89 |
| Total domestic deposits to total assets | 50.6500% | 4,389 |
| Equity capital to assets | 30.5098% | 152 |
| Core capital (leverage) ratio | 30.9129% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $1,593,178,500 | 696 |
| Average earning assets | $1,280,574,750 | 768 |
| Average equity | $528,028,500 | 274 |
| Average total loans | $1,121,756,500 | 691 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.6025% | 47 |
| Cost of funding earning assets | 2.7995% | 662 |
| Net interest margin | 23.8030% | 2 |
| Noninterest income to average assets | 79.4200% | 35 |
| Noninterest expense to average assets | 58.9930% | 36 |
| Loan and lease loss provision to assets | 10.2600% | 2 |
| Net operating income to assets | 29.0898% | 16 |
| Return on assets (ROA) | 29.0764% | 17 |
| Pretax return on assets | 29.0764% | 21 |
| Return on Equity (ROE) | 85.4900% | 11 |
| Retained earnings to average equity (ytd only) | -43.3182% | 4,543 |
| Net charge-offs to loans | 12.8156% | 20 |
| Credit loss provision to net charge-offs | 117.1433% | 1,367 |
| Earnings coverage of net charge-offs (x) | 4.4943% | 2,264 |
| Efficiency ratio | 59.9901% | 3,212 |
| Assets per employee ($millions) | 1.3532% | 4,423 |
| Cash dividends to net income (ytd only)* | 150.6692% | 137 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.6245% | 47 |
| Loan loss allowance to noncurrent loans | 413.3859% | 1,477 |
| Noncurrent assets plus other real estate owned to assets | 2.5093% | 100 |
| Noncurrent loans to loans | 3.5377% | 131 |
| Net loans and leases to total assets | 60.5600% | 2,905 |
| Net loans and leases to deposits | 127.3341% | 62 |
| Net loans and leases to core deposits | 168.6382% | 105 |
| Total domestic deposits to total assets | 47.5600% | 4,410 |
| Equity capital to assets | 29.5976% | 157 |
| Core capital (leverage) ratio | 32.7463% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $1,597,836,667 | 697 |
| Average earning assets | $1,269,867,667 | 775 |
| Average equity | $543,434,000 | 263 |
| Average total loans | $1,091,481,667 | 705 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.1899% | 49 |
| Cost of funding earning assets | 2.6818% | 734 |
| Net interest margin | 23.5081% | 3 |
| Noninterest income to average assets | 78.9900% | 34 |
| Noninterest expense to average assets | 58.6693% | 39 |
| Loan and lease loss provision to assets | 10.1300% | 2 |
| Net operating income to assets | 29.0340% | 15 |
| Return on assets (ROA) | 29.0149% | 15 |
| Pretax return on assets | 29.0149% | 20 |
| Return on Equity (ROE) | 80.1100% | 14 |
| Retained earnings to average equity (ytd only) | -16.6643% | 4,408 |
| Net charge-offs to loans | 12.4221% | 5 |
| Credit loss provision to net charge-offs | 121.7098% | 1,040 |
| Earnings coverage of net charge-offs (x) | 4.7056% | 1,892 |
| Efficiency ratio | 59.9689% | 3,269 |
| Assets per employee ($millions) | 1.3987% | 4,452 |
| Cash dividends to net income (ytd only)* | 120.8011% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.9978% | 8 |
| Loan loss allowance to noncurrent loans | 374.8004% | 1,641 |
| Noncurrent assets plus other real estate owned to assets | 2.6568% | 91 |
| Noncurrent loans to loans | 4.0015% | 95 |
| Net loans and leases to total assets | 56.4400% | 3,154 |
| Net loans and leases to deposits | 128.2774% | 42 |
| Net loans and leases to core deposits | 169.0174% | 130 |
| Total domestic deposits to total assets | 44.0000% | 4,466 |
| Equity capital to assets | 35.0427% | 145 |
| Core capital (leverage) ratio | 39.3049% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $1,597,701,500 | 704 |
| Average earning assets | $1,280,921,000 | 779 |
| Average equity | $578,650,500 | 254 |
| Average total loans | $1,070,446,500 | 718 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.5050% | 49 |
| Cost of funding earning assets | 2.1465% | 703 |
| Net interest margin | 23.3585% | 9 |
| Noninterest income to average assets | 93.2400% | 29 |
| Noninterest expense to average assets | 68.1574% | 31 |
| Loan and lease loss provision to assets | 10.1200% | 2 |
| Net operating income to assets | 33.8510% | 9 |
| Return on assets (ROA) | 33.8584% | 10 |
| Pretax return on assets | 33.8584% | 17 |
| Return on Equity (ROE) | 87.6000% | 18 |
| Retained earnings to average equity (ytd only) | 11.2158% | 748 |
| Net charge-offs to loans | 10.3893% | 6 |
| Credit loss provision to net charge-offs | 147.1304% | 1,489 |
| Earnings coverage of net charge-offs (x) | 6.3951% | 2,470 |
| Efficiency ratio | 60.7877% | 2,991 |
| Assets per employee ($millions) | 1.3515% | 4,472 |
| Cash dividends to net income (ytd only)* | 87.1965% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.4078% | 10 |
| Loan loss allowance to noncurrent loans | 398.1618% | 1,676 |
| Noncurrent assets plus other real estate owned to assets | 2.4468% | 94 |
| Noncurrent loans to loans | 3.6186% | 107 |
| Net loans and leases to total assets | 57.8800% | 3,050 |
| Net loans and leases to deposits | 136.8628% | 28 |
| Net loans and leases to core deposits | 175.9124% | 108 |
| Total domestic deposits to total assets | 42.2900% | 4,482 |
| Equity capital to assets | 37.4213% | 143 |
| Core capital (leverage) ratio | 41.3411% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,337,925,200 | 780 |
| Average earning assets | $1,081,670,600 | 858 |
| Average equity | $517,128,600 | 256 |
| Average total loans | $885,360,400 | 801 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 25.3236% | 45 |
| Cost of funding earning assets | 1.9697% | 742 |
| Net interest margin | 23.3539% | 5 |
| Noninterest income to average assets | 97.7700% | 25 |
| Noninterest expense to average assets | 71.4954% | 29 |
| Loan and lease loss provision to assets | 9.3100% | 3 |
| Net operating income to assets | 35.7520% | 10 |
| Return on assets (ROA) | 35.7288% | 10 |
| Pretax return on assets | 35.7288% | 16 |
| Return on Equity (ROE) | 91.5400% | 20 |
| Retained earnings to average equity (ytd only) | -14.0595% | 4,532 |
| Net charge-offs to loans | 10.2331% | 7 |
| Credit loss provision to net charge-offs | 138.4834% | 1,369 |
| Earnings coverage of net charge-offs (x) | 6.7003% | 2,270 |
| Efficiency ratio | 61.3369% | 2,802 |
| Assets per employee ($millions) | 1.1983% | 4,508 |
| Cash dividends to net income (ytd only)* | 115.3591% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.1520% | 8 |
| Loan loss allowance to noncurrent loans | 428.0966% | 1,605 |
| Noncurrent assets plus other real estate owned to assets | 2.2494% | 110 |
| Noncurrent loans to loans | 3.3058% | 118 |
| Net loans and leases to total assets | 58.4200% | 2,993 |
| Net loans and leases to deposits | 127.8950% | 49 |
| Net loans and leases to core deposits | 163.3475% | 94 |
| Total domestic deposits to total assets | 45.6700% | 4,509 |
| Equity capital to assets | 34.1866% | 153 |
| Core capital (leverage) ratio | 37.5803% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $1,277,775,250 | 819 |
| Average earning assets | $1,028,354,250 | 898 |
| Average equity | $498,734,750 | 264 |
| Average total loans | $839,855,000 | 836 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.8850% | 43 |
| Cost of funding earning assets | 1.7340% | 837 |
| Net interest margin | 23.1510% | 7 |
| Noninterest income to average assets | 100.1000% | 26 |
| Noninterest expense to average assets | 73.2925% | 27 |
| Loan and lease loss provision to assets | 8.9700% | 2 |
| Net operating income to assets | 36.3937% | 12 |
| Return on assets (ROA) | 36.3937% | 12 |
| Pretax return on assets | 36.3937% | 17 |
| Return on Equity (ROE) | 89.0500% | 27 |
| Retained earnings to average equity (ytd only) | -35.7130% | 4,606 |
| Net charge-offs to loans | 10.5743% | 7 |
| Credit loss provision to net charge-offs | 130.8540% | 1,284 |
| Earnings coverage of net charge-offs (x) | 6.6158% | 2,115 |
| Efficiency ratio | 61.7671% | 2,744 |
| Assets per employee ($millions) | 1.0282% | 4,548 |
| Cash dividends to net income (ytd only)* | 140.1027% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.6199% | 12 |
| Loan loss allowance to noncurrent loans | 474.7636% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 2.1495% | 125 |
| Noncurrent loans to loans | 3.0794% | 135 |
| Net loans and leases to total assets | 59.6000% | 2,810 |
| Net loans and leases to deposits | 132.7470% | 44 |
| Net loans and leases to core deposits | 146.6730% | 157 |
| Total domestic deposits to total assets | 44.9000% | 4,535 |
| Equity capital to assets | 36.5667% | 141 |
| Core capital (leverage) ratio | 37.5827% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $1,235,570,000 | 826 |
| Average earning assets | $990,775,333 | 905 |
| Average equity | $504,942,000 | 256 |
| Average total loans | $801,265,000 | 847 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.4196% | 3 |
| Cost of funding earning assets | 1.4814% | 876 |
| Net interest margin | 22.9382% | 3 |
| Noninterest income to average assets | 98.7300% | 28 |
| Noninterest expense to average assets | 72.5391% | 31 |
| Loan and lease loss provision to assets | 7.9900% | 3 |
| Net operating income to assets | 36.4557% | 11 |
| Return on assets (ROA) | 36.4926% | 11 |
| Pretax return on assets | 36.4926% | 16 |
| Return on Equity (ROE) | 84.9600% | 27 |
| Retained earnings to average equity (ytd only) | -4.5667% | 4,311 |
| Net charge-offs to loans | 10.2279% | 9 |
| Credit loss provision to net charge-offs | 125.1003% | 1,019 |
| Earnings coverage of net charge-offs (x) | 6.9586% | 1,771 |
| Efficiency ratio | 62.0070% | 2,700 |
| Assets per employee ($millions) | 1.1089% | 4,609 |
| Cash dividends to net income (ytd only)* | 105.3750% | 410 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.8957% | 5 |
| Loan loss allowance to noncurrent loans | 425.9668% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 2.1761% | 102 |
| Noncurrent loans to loans | 3.4969% | 114 |
| Net loans and leases to total assets | 52.9600% | 3,279 |
| Net loans and leases to deposits | 133.1174% | 40 |
| Net loans and leases to core deposits | 147.9283% | 131 |
| Total domestic deposits to total assets | 39.7800% | 4,592 |
| Equity capital to assets | 42.2842% | 95 |
| Core capital (leverage) ratio | 47.6193% | 88 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $1,248,243,500 | 841 |
| Average earning assets | $993,383,000 | 922 |
| Average equity | $536,143,500 | 256 |
| Average total loans | $779,512,000 | 877 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.8435% | 5 |
| Cost of funding earning assets | 0.7201% | 533 |
| Net interest margin | 22.1233% | 5 |
| Noninterest income to average assets | 112.8900% | 24 |
| Noninterest expense to average assets | 82.2935% | 23 |
| Loan and lease loss provision to assets | 6.7900% | 3 |
| Net operating income to assets | 41.3054% | 9 |
| Return on assets (ROA) | 41.2156% | 9 |
| Pretax return on assets | 41.2156% | 15 |
| Return on Equity (ROE) | 99.9200% | 5 |
| Retained earnings to average equity (ytd only) | 47.4427% | 11 |
| Net charge-offs to loans | 7.4164% | 5 |
| Credit loss provision to net charge-offs | 144.4949% | 1,323 |
| Earnings coverage of net charge-offs (x) | 10.2345% | 2,198 |
| Efficiency ratio | 63.1137% | 2,614 |
| Assets per employee ($millions) | 1.1447% | 4,644 |
| Cash dividends to net income (ytd only)* | 52.5208% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.4270% | 5 |
| Loan loss allowance to noncurrent loans | 403.8715% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 1.9282% | 126 |
| Noncurrent loans to loans | 3.0770% | 135 |
| Net loans and leases to total assets | 54.8800% | 3,126 |
| Net loans and leases to deposits | 161.1880% | 11 |
| Net loans and leases to core deposits | 177.7595% | 41 |
| Total domestic deposits to total assets | 34.0500% | 4,628 |
| Equity capital to assets | 43.6163% | 92 |
| Core capital (leverage) ratio | 49.1451% | 90 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $1,039,416,000 | 949 |
| Average earning assets | $822,335,200 | 1,079 |
| Average equity | $428,732,200 | 292 |
| Average total loans | $658,619,000 | 958 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.2198% | 4 |
| Cost of funding earning assets | 0.5782% | 488 |
| Net interest margin | 21.6415% | 4 |
| Noninterest income to average assets | 117.9900% | 23 |
| Noninterest expense to average assets | 86.3233% | 20 |
| Loan and lease loss provision to assets | 8.8600% | 1 |
| Net operating income to assets | 40.0120% | 9 |
| Return on assets (ROA) | 39.8838% | 9 |
| Pretax return on assets | 39.8838% | 15 |
| Return on Equity (ROE) | 98.4900% | 4 |
| Retained earnings to average equity (ytd only) | 23.3936% | 55 |
| Net charge-offs to loans | 6.9683% | 5 |
| Credit loss provision to net charge-offs | 200.0427% | 977 |
| Earnings coverage of net charge-offs (x) | 11.0307% | 1,965 |
| Efficiency ratio | 63.8491% | 2,569 |
| Assets per employee ($millions) | 0.9986% | 4,687 |
| Cash dividends to net income (ytd only)* | 76.2471% | 482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 15.2768% | 4 |
| Loan loss allowance to noncurrent loans | 575.6672% | 1,439 |
| Noncurrent assets plus other real estate owned to assets | 1.7789% | 160 |
| Noncurrent loans to loans | 2.6538% | 194 |
| Net loans and leases to total assets | 56.7900% | 2,825 |
| Net loans and leases to deposits | 143.8472% | 17 |
| Net loans and leases to core deposits | 154.9131% | 56 |
| Total domestic deposits to total assets | 39.4800% | 4,669 |
| Equity capital to assets | 38.9236% | 97 |
| Core capital (leverage) ratio | 39.9238% | 96 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $986,483,500 | 1,001 |
| Average earning assets | $784,434,750 | 1,140 |
| Average equity | $399,489,250 | 307 |
| Average total loans | $627,260,500 | 1,000 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.9336% | 4 |
| Cost of funding earning assets | 0.4724% | 615 |
| Net interest margin | 20.4612% | 4 |
| Noninterest income to average assets | 117.5265% | 11 |
| Noninterest expense to average assets | 85.7234% | 8 |
| Loan and lease loss provision to assets | 7.7473% | 2 |
| Net operating income to assets | 40.5577% | 3 |
| Return on assets (ROA) | 40.4257% | 3 |
| Pretax return on assets | 40.4257% | 8 |
| Return on Equity (ROE) | 98.4227% | 3 |
| Retained earnings to average equity (ytd only) | 27.5702% | 27 |
| Net charge-offs to loans | 6.9822% | 6 |
| Credit loss provision to net charge-offs | 178.0442% | 1,023 |
| Earnings coverage of net charge-offs (x) | 11.1012% | 1,741 |
| Efficiency ratio | 63.9592% | 2,777 |
| Assets per employee ($millions) | 1.0042% | 4,733 |
| Cash dividends to net income (ytd only)* | 71.9879% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.4223% | 4 |
| Loan loss allowance to noncurrent loans | 652.0510% | 1,289 |
| Noncurrent assets plus other real estate owned to assets | 1.4084% | 261 |
| Noncurrent loans to loans | 2.2118% | 285 |
| Net loans and leases to total assets | 54.4930% | 2,911 |
| Net loans and leases to deposits | 144.5668% | 11 |
| Net loans and leases to core deposits | 152.8588% | 48 |
| Total domestic deposits to total assets | 37.6940% | 4,739 |
| Equity capital to assets | 39.5914% | 51 |
| Core capital (leverage) ratio | 40.0880% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $962,145,333 | 1,020 |
| Average earning assets | $775,967,667 | 1,158 |
| Average equity | $395,187,333 | 311 |
| Average total loans | $599,614,000 | 1,027 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.6719% | 5 |
| Cost of funding earning assets | 0.4551% | 635 |
| Net interest margin | 20.2168% | 4 |
| Noninterest income to average assets | 115.3379% | 11 |
| Noninterest expense to average assets | 83.3770% | 10 |
| Loan and lease loss provision to assets | 4.1099% | 5 |
| Net operating income to assets | 44.3907% | 4 |
| Return on assets (ROA) | 44.2315% | 4 |
| Pretax return on assets | 44.2315% | 9 |
| Return on Equity (ROE) | 105.6605% | 5 |
| Retained earnings to average equity (ytd only) | 105.6605% | 3 |
| Net charge-offs to loans | 6.6237% | 7 |
| Credit loss provision to net charge-offs | 100.7284% | 1,006 |
| Earnings coverage of net charge-offs (x) | 11.8870% | 1,427 |
| Efficiency ratio | 63.2230% | 3,111 |
| Assets per employee ($millions) | 1.0893% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.0257% | 4 |
| Loan loss allowance to noncurrent loans | 551.9779% | 1,397 |
| Noncurrent assets plus other real estate owned to assets | 1.3477% | 292 |
| Noncurrent loans to loans | 2.3598% | 267 |
| Net loans and leases to total assets | 49.6724% | 3,208 |
| Net loans and leases to deposits | 138.9970% | 11 |
| Net loans and leases to core deposits | 143.2637% | 53 |
| Total domestic deposits to total assets | 35.7363% | 4,769 |
| Equity capital to assets | 43.8360% | 41 |
| Core capital (leverage) ratio | 47.2921% | 37 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $942,126,000 | 1,045 |
| Average earning assets | $770,765,000 | 1,168 |
| Average equity | $394,391,500 | 320 |
| Average total loans | $580,342,500 | 1,043 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.0906% | 6 |
| Cost of funding earning assets | 0.5611% | 662 |
| Net interest margin | 18.5294% | 6 |
| Noninterest income to average assets | 109.6148% | 12 |
| Noninterest expense to average assets | 79.0127% | 11 |
| Loan and lease loss provision to assets | 5.2338% | 1 |
| Net operating income to assets | 40.8305% | 4 |
| Return on assets (ROA) | 40.8060% | 4 |
| Pretax return on assets | 40.8060% | 7 |
| Return on Equity (ROE) | 100.7137% | 2 |
| Retained earnings to average equity (ytd only) | 2.7495% | 3,744 |
| Net charge-offs to loans | 6.3331% | 4 |
| Credit loss provision to net charge-offs | 139.4590% | 1,536 |
| Earnings coverage of net charge-offs (x) | 12.2742% | 2,122 |
| Efficiency ratio | 63.1713% | 2,686 |
| Assets per employee ($millions) | 0.9482% | 4,803 |
| Cash dividends to net income (ytd only)* | 97.2700% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.0744% | 5 |
| Loan loss allowance to noncurrent loans | 664.6093% | 1,153 |
| Noncurrent assets plus other real estate owned to assets | 1.3157% | 347 |
| Noncurrent loans to loans | 1.9672% | 400 |
| Net loans and leases to total assets | 58.1350% | 2,363 |
| Net loans and leases to deposits | 141.7879% | 10 |
| Net loans and leases to core deposits | 144.1378% | 59 |
| Total domestic deposits to total assets | 41.0014% | 4,803 |
| Equity capital to assets | 39.5393% | 43 |
| Core capital (leverage) ratio | 37.0533% | 48 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $831,401,400 | 1,115 |
| Average earning assets | $693,776,800 | 1,230 |
| Average equity | $336,857,800 | 366 |
| Average total loans | $492,684,200 | 1,182 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.4880% | 6 |
| Cost of funding earning assets | 0.5787% | 711 |
| Net interest margin | 17.9093% | 6 |
| Noninterest income to average assets | 107.0293% | 13 |
| Noninterest expense to average assets | 77.6858% | 11 |
| Loan and lease loss provision to assets | 3.8233% | 2 |
| Net operating income to assets | 40.4284% | 4 |
| Return on assets (ROA) | 40.4073% | 4 |
| Pretax return on assets | 40.4073% | 7 |
| Return on Equity (ROE) | 99.1007% | 2 |
| Retained earnings to average equity (ytd only) | 7.6963% | 2,149 |
| Net charge-offs to loans | 6.7009% | 4 |
| Credit loss provision to net charge-offs | 99.6537% | 1,612 |
| Earnings coverage of net charge-offs (x) | 11.5340% | 1,993 |
| Efficiency ratio | 63.7095% | 2,432 |
| Assets per employee ($millions) | 0.9859% | 4,877 |
| Cash dividends to net income (ytd only)* | 92.2339% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3367% | 5 |
| Loan loss allowance to noncurrent loans | 759.1438% | 990 |
| Noncurrent assets plus other real estate owned to assets | 0.9493% | 713 |
| Noncurrent loans to loans | 1.6251% | 629 |
| Net loans and leases to total assets | 51.2113% | 3,284 |
| Net loans and leases to deposits | 127.6043% | 30 |
| Net loans and leases to core deposits | 129.2383% | 127 |
| Total domestic deposits to total assets | 40.1329% | 4,875 |
| Equity capital to assets | 40.1194% | 45 |
| Core capital (leverage) ratio | 42.1553% | 44 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $822,820,500 | 1,135 |
| Average earning assets | $684,937,250 | 1,263 |
| Average equity | $335,496,750 | 368 |
| Average total loans | $471,108,250 | 1,239 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.3972% | 5 |
| Cost of funding earning assets | 0.6165% | 682 |
| Net interest margin | 17.7807% | 4 |
| Noninterest income to average assets | 104.6883% | 13 |
| Noninterest expense to average assets | 76.2384% | 12 |
| Loan and lease loss provision to assets | 3.4776% | 3 |
| Net operating income to assets | 39.6033% | 6 |
| Return on assets (ROA) | 39.5805% | 6 |
| Pretax return on assets | 39.5805% | 8 |
| Return on Equity (ROE) | 96.5087% | 2 |
| Retained earnings to average equity (ytd only) | -6.5652% | 4,817 |
| Net charge-offs to loans | 7.5113% | 4 |
| Credit loss provision to net charge-offs | 81.4644% | 1,483 |
| Earnings coverage of net charge-offs (x) | 10.0920% | 1,812 |
| Efficiency ratio | 63.8944% | 2,446 |
| Assets per employee ($millions) | 0.9282% | 4,916 |
| Cash dividends to net income (ytd only)* | 106.8027% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.9467% | 6 |
| Loan loss allowance to noncurrent loans | 806.0651% | 877 |
| Noncurrent assets plus other real estate owned to assets | 0.9291% | 827 |
| Noncurrent loans to loans | 1.6062% | 682 |
| Net loans and leases to total assets | 50.3591% | 3,524 |
| Net loans and leases to deposits | 128.0245% | 36 |
| Net loans and leases to core deposits | 128.7874% | 137 |
| Total domestic deposits to total assets | 39.3355% | 4,910 |
| Equity capital to assets | 40.0831% | 44 |
| Core capital (leverage) ratio | 40.6944% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $804,296,000 | 1,151 |
| Average earning assets | $661,818,667 | 1,288 |
| Average equity | $329,860,333 | 368 |
| Average total loans | $457,097,000 | 1,273 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.0131% | 4 |
| Cost of funding earning assets | 0.6544% | 673 |
| Net interest margin | 18.3586% | 3 |
| Noninterest income to average assets | 100.2016% | 12 |
| Noninterest expense to average assets | 73.0935% | 14 |
| Loan and lease loss provision to assets | 4.3256% | 2 |
| Net operating income to assets | 37.9851% | 5 |
| Return on assets (ROA) | 37.9305% | 5 |
| Pretax return on assets | 37.9305% | 8 |
| Return on Equity (ROE) | 91.4505% | 3 |
| Retained earnings to average equity (ytd only) | 1.5452% | 4,109 |
| Net charge-offs to loans | 7.5059% | 4 |
| Credit loss provision to net charge-offs | 102.3168% | 1,100 |
| Earnings coverage of net charge-offs (x) | 10.0081% | 1,515 |
| Efficiency ratio | 63.3369% | 2,556 |
| Assets per employee ($millions) | 0.9639% | 4,940 |
| Cash dividends to net income (ytd only)* | 98.3104% | 430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 14.7766% | 4 |
| Loan loss allowance to noncurrent loans | 617.8603% | 996 |
| Noncurrent assets plus other real estate owned to assets | 1.2771% | 558 |
| Noncurrent loans to loans | 2.3916% | 400 |
| Net loans and leases to total assets | 45.5079% | 4,000 |
| Net loans and leases to deposits | 118.1493% | 80 |
| Net loans and leases to core deposits | 118.3400% | 262 |
| Total domestic deposits to total assets | 38.5173% | 4,938 |
| Equity capital to assets | 41.4885% | 39 |
| Core capital (leverage) ratio | 43.3031% | 37 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $804,514,500 | 1,134 |
| Average earning assets | $666,216,000 | 1,268 |
| Average equity | $333,684,500 | 362 |
| Average total loans | $453,135,000 | 1,282 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.7794% | 7 |
| Cost of funding earning assets | 0.9241% | 788 |
| Net interest margin | 15.8554% | 7 |
| Noninterest income to average assets | 101.7016% | 13 |
| Noninterest expense to average assets | 73.7610% | 12 |
| Loan and lease loss provision to assets | 6.8923% | 3 |
| Net operating income to assets | 34.4087% | 6 |
| Return on assets (ROA) | 34.4521% | 6 |
| Pretax return on assets | 34.4521% | 8 |
| Return on Equity (ROE) | 84.9599% | 6 |
| Retained earnings to average equity (ytd only) | 19.7858% | 68 |
| Net charge-offs to loans | 8.8368% | 4 |
| Credit loss provision to net charge-offs | 137.4099% | 2,505 |
| Earnings coverage of net charge-offs (x) | 8.2340% | 2,619 |
| Efficiency ratio | 64.1054% | 2,804 |
| Assets per employee ($millions) | 0.9517% | 4,967 |
| Cash dividends to net income (ytd only)* | 76.7116% | 752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.3175% | 6 |
| Loan loss allowance to noncurrent loans | 631.2817% | 964 |
| Noncurrent assets plus other real estate owned to assets | 1.2501% | 668 |
| Noncurrent loans to loans | 2.1096% | 523 |
| Net loans and leases to total assets | 51.3675% | 3,715 |
| Net loans and leases to deposits | 128.3337% | 46 |
| Net loans and leases to core deposits | 128.5336% | 212 |
| Total domestic deposits to total assets | 40.0265% | 4,961 |
| Equity capital to assets | 41.4645% | 41 |
| Core capital (leverage) ratio | 43.2578% | 39 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $718,915,000 | 1,150 |
| Average earning assets | $605,789,200 | 1,252 |
| Average equity | $291,527,000 | 379 |
| Average total loans | $408,065,800 | 1,331 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.0550% | 7 |
| Cost of funding earning assets | 0.9715% | 845 |
| Net interest margin | 16.0835% | 6 |
| Noninterest income to average assets | 105.8582% | 13 |
| Noninterest expense to average assets | 78.2215% | 10 |
| Loan and lease loss provision to assets | 5.4423% | 10 |
| Net operating income to assets | 35.7732% | 6 |
| Return on assets (ROA) | 35.8361% | 6 |
| Pretax return on assets | 35.8361% | 8 |
| Return on Equity (ROE) | 88.9495% | 6 |
| Retained earnings to average equity (ytd only) | -1.1548% | 4,631 |
| Net charge-offs to loans | 9.6985% | 4 |
| Credit loss provision to net charge-offs | 100.1301% | 2,617 |
| Earnings coverage of net charge-offs (x) | 7.5830% | 2,567 |
| Efficiency ratio | 65.4918% | 2,527 |
| Assets per employee ($millions) | 0.8818% | 5,001 |
| Cash dividends to net income (ytd only)* | 101.2982% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.1118% | 10 |
| Loan loss allowance to noncurrent loans | 583.4093% | 931 |
| Noncurrent assets plus other real estate owned to assets | 1.1708% | 877 |
| Noncurrent loans to loans | 2.0760% | 578 |
| Net loans and leases to total assets | 49.5667% | 4,115 |
| Net loans and leases to deposits | 118.9392% | 123 |
| Net loans and leases to core deposits | 119.1347% | 431 |
| Total domestic deposits to total assets | 41.6740% | 4,992 |
| Equity capital to assets | 37.3348% | 44 |
| Core capital (leverage) ratio | 38.4581% | 44 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $697,845,500 | 1,164 |
| Average earning assets | $589,169,000 | 1,259 |
| Average equity | $281,148,750 | 384 |
| Average total loans | $391,090,500 | 1,383 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.5433% | 7 |
| Cost of funding earning assets | 0.9805% | 1,042 |
| Net interest margin | 16.5628% | 5 |
| Noninterest income to average assets | 112.6053% | 10 |
| Noninterest expense to average assets | 83.8983% | 9 |
| Loan and lease loss provision to assets | 5.6742% | 11 |
| Net operating income to assets | 36.9639% | 6 |
| Return on assets (ROA) | 36.9639% | 6 |
| Pretax return on assets | 36.9639% | 7 |
| Return on Equity (ROE) | 89.4233% | 5 |
| Retained earnings to average equity (ytd only) | 11.9285% | 470 |
| Net charge-offs to loans | 10.3638% | 4 |
| Credit loss provision to net charge-offs | 97.9146% | 2,426 |
| Earnings coverage of net charge-offs (x) | 7.3576% | 2,370 |
| Efficiency ratio | 66.3037% | 2,470 |
| Assets per employee ($millions) | 0.8849% | 5,034 |
| Cash dividends to net income (ytd only)* | 86.6606% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.2906% | 5 |
| Loan loss allowance to noncurrent loans | 475.8800% | 1,049 |
| Noncurrent assets plus other real estate owned to assets | 1.4175% | 680 |
| Noncurrent loans to loans | 2.7928% | 379 |
| Net loans and leases to total assets | 44.0080% | 4,451 |
| Net loans and leases to deposits | 111.4877% | 200 |
| Net loans and leases to core deposits | 111.6805% | 681 |
| Total domestic deposits to total assets | 39.4734% | 5,024 |
| Equity capital to assets | 39.8902% | 41 |
| Core capital (leverage) ratio | 42.2591% | 40 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $686,788,333 | 1,162 |
| Average earning assets | $577,668,000 | 1,255 |
| Average equity | $283,890,333 | 376 |
| Average total loans | $384,029,000 | 1,382 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.3117% | 6 |
| Cost of funding earning assets | 0.9995% | 1,422 |
| Net interest margin | 19.3123% | 5 |
| Noninterest income to average assets | 124.1814% | 10 |
| Noninterest expense to average assets | 91.6593% | 10 |
| Loan and lease loss provision to assets | 7.6033% | 9 |
| Net operating income to assets | 40.9267% | 5 |
| Return on assets (ROA) | 40.9267% | 6 |
| Pretax return on assets | 40.9267% | 7 |
| Return on Equity (ROE) | 97.1317% | 3 |
| Retained earnings to average equity (ytd only) | 11.2720% | 529 |
| Net charge-offs to loans | 9.8438% | 6 |
| Credit loss provision to net charge-offs | 131.4226% | 1,659 |
| Earnings coverage of net charge-offs (x) | 8.3884% | 1,865 |
| Efficiency ratio | 65.3825% | 3,040 |
| Assets per employee ($millions) | 0.8186% | 5,080 |
| Cash dividends to net income (ytd only)* | 88.3952% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.2706% | 5 |
| Loan loss allowance to noncurrent loans | 415.1589% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 1.8534% | 475 |
| Noncurrent loans to loans | 3.1965% | 314 |
| Net loans and leases to total assets | 50.2885% | 4,231 |
| Net loans and leases to deposits | 136.3382% | 25 |
| Net loans and leases to core deposits | 136.6074% | 197 |
| Total domestic deposits to total assets | 36.8851% | 5,079 |
| Equity capital to assets | 41.2299% | 46 |
| Core capital (leverage) ratio | 45.1173% | 38 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $663,400,500 | 1,165 |
| Average earning assets | $549,889,000 | 1,268 |
| Average equity | $279,525,500 | 380 |
| Average total loans | $389,889,000 | 1,321 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.6771% | 6 |
| Cost of funding earning assets | 1.0142% | 1,666 |
| Net interest margin | 16.6629% | 5 |
| Noninterest income to average assets | 152.7251% | 4 |
| Noninterest expense to average assets | 112.5230% | 6 |
| Loan and lease loss provision to assets | 9.8249% | 2 |
| Net operating income to assets | 43.0982% | 4 |
| Return on assets (ROA) | 43.0982% | 4 |
| Pretax return on assets | 43.0982% | 7 |
| Return on Equity (ROE) | 101.1180% | 3 |
| Retained earnings to average equity (ytd only) | 33.0694% | 7 |
| Net charge-offs to loans | 7.3893% | 3 |
| Credit loss provision to net charge-offs | 279.5996% | 1,006 |
| Earnings coverage of net charge-offs (x) | 15.0610% | 2,252 |
| Efficiency ratio | 68.0119% | 2,456 |
| Assets per employee ($millions) | 0.7871% | 5,138 |
| Cash dividends to net income (ytd only)* | 67.2963% | 1,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.0942% | 5 |
| Loan loss allowance to noncurrent loans | 460.9423% | 1,051 |
| Noncurrent assets plus other real estate owned to assets | 1.6936% | 548 |
| Noncurrent loans to loans | 2.8407% | 345 |
| Net loans and leases to total assets | 51.8125% | 4,244 |
| Net loans and leases to deposits | 155.7610% | 11 |
| Net loans and leases to core deposits | 156.1282% | 92 |
| Total domestic deposits to total assets | 33.2641% | 5,144 |
| Equity capital to assets | 43.1093% | 43 |
| Core capital (leverage) ratio | 47.1276% | 42 |
| Tier 1 risk-based capital ratio | 58.5051% | 98 |
| Total risk-based capital ratio | 59.8760% | 96 |
| Memoranda: | ||
| Average total assets | $510,283,400 | 1,401 |
| Average earning assets | $389,567,200 | 1,667 |
| Average equity | $217,491,400 | 445 |
| Average total loans | $242,662,800 | 1,873 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.8907% | 6 |
| Cost of funding earning assets | 1.0024% | 1,754 |
| Net interest margin | 15.8883% | 6 |
| Noninterest income to average assets | 159.6851% | 4 |
| Noninterest expense to average assets | 117.6533% | 6 |
| Loan and lease loss provision to assets | 8.4422% | 2 |
| Net operating income to assets | 45.3839% | 3 |
| Return on assets (ROA) | 45.3839% | 3 |
| Pretax return on assets | 45.3839% | 5 |
| Return on Equity (ROE) | 106.8894% | 3 |
| Retained earnings to average equity (ytd only) | 9.6736% | 840 |
| Net charge-offs to loans | 7.1848% | 4 |
| Credit loss provision to net charge-offs | 269.9786% | 1,029 |
| Earnings coverage of net charge-offs (x) | 17.2134% | 2,104 |
| Efficiency ratio | 68.6108% | 2,320 |
| Assets per employee ($millions) | 0.6823% | 5,227 |
| Cash dividends to net income (ytd only)* | 90.9499% | 427 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.3456% | 5 |
| Loan loss allowance to noncurrent loans | 497.9810% | 988 |
| Noncurrent assets plus other real estate owned to assets | 1.3471% | 884 |
| Noncurrent loans to loans | 2.4791% | 474 |
| Net loans and leases to total assets | 47.6286% | 4,523 |
| Net loans and leases to deposits | 151.6556% | 15 |
| Net loans and leases to core deposits | 152.0976% | 117 |
| Total domestic deposits to total assets | 31.4058% | 5,224 |
| Equity capital to assets | 39.8596% | 52 |
| Core capital (leverage) ratio | 43.7363% | 44 |
| Tier 1 risk-based capital ratio | 55.0870% | 111 |
| Total risk-based capital ratio | 56.4423% | 110 |
| Memoranda: | ||
| Average total assets | $478,064,000 | 1,489 |
| Average earning assets | $354,876,250 | 1,810 |
| Average equity | $202,979,750 | 472 |
| Average total loans | $208,063,000 | 2,119 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.9109% | 6 |
| Cost of funding earning assets | 0.9598% | 1,864 |
| Net interest margin | 14.9511% | 6 |
| Noninterest income to average assets | 162.9119% | 4 |
| Noninterest expense to average assets | 120.2946% | 6 |
| Loan and lease loss provision to assets | 6.8250% | 4 |
| Net operating income to assets | 46.5333% | 3 |
| Return on assets (ROA) | 46.5333% | 4 |
| Pretax return on assets | 46.5333% | 6 |
| Return on Equity (ROE) | 106.9673% | 3 |
| Retained earnings to average equity (ytd only) | -12.3154% | 5,195 |
| Net charge-offs to loans | 7.1463% | 4 |
| Credit loss provision to net charge-offs | 243.7569% | 1,044 |
| Earnings coverage of net charge-offs (x) | 19.0572% | 1,833 |
| Efficiency ratio | 69.2731% | 2,335 |
| Assets per employee ($millions) | 0.6470% | 5,273 |
| Cash dividends to net income (ytd only)* | 111.5133% | 300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.1177% | 5 |
| Loan loss allowance to noncurrent loans | 516.3685% | 995 |
| Noncurrent assets plus other real estate owned to assets | 1.0249% | 1,358 |
| Noncurrent loans to loans | 2.3467% | 545 |
| Net loans and leases to total assets | 38.3825% | 4,898 |
| Net loans and leases to deposits | 137.4889% | 26 |
| Net loans and leases to core deposits | 137.9760% | 214 |
| Total domestic deposits to total assets | 27.9168% | 5,275 |
| Equity capital to assets | 37.7353% | 54 |
| Core capital (leverage) ratio | 43.8081% | 43 |
| Tier 1 risk-based capital ratio | 50.9182% | 128 |
| Total risk-based capital ratio | 52.2463% | 128 |
| Memoranda: | ||
| Average total assets | $454,801,670 | 1,550 |
| Average earning assets | $326,732,000 | 1,921 |
| Average equity | $197,849,330 | 476 |
| Average total loans | $178,189,000 | 2,362 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2034% | 6 |
| Cost of funding earning assets | 0.8477% | 2,282 |
| Net interest margin | 14.3557% | 6 |
| Noninterest income to average assets | 169.3542% | 4 |
| Noninterest expense to average assets | 125.1434% | 4 |
| Loan and lease loss provision to assets | 5.0353% | 9 |
| Net operating income to assets | 49.6390% | 2 |
| Return on assets (ROA) | 49.6390% | 2 |
| Pretax return on assets | 49.6390% | 4 |
| Return on Equity (ROE) | 105.8058% | 3 |
| Retained earnings to average equity (ytd only) | -9.5789% | 5,092 |
| Net charge-offs to loans | 7.6058% | 5 |
| Credit loss provision to net charge-offs | 181.2836% | 1,113 |
| Earnings coverage of net charge-offs (x) | 19.6841% | 1,587 |
| Efficiency ratio | 69.5946% | 2,408 |
| Assets per employee ($millions) | 0.6235% | 5,328 |
| Cash dividends to net income (ytd only)* | 109.0533% | 535 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0305% | 5 |
| Loan loss allowance to noncurrent loans | 449.5306% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.9480% | 1,483 |
| Noncurrent loans to loans | 2.6762% | 462 |
| Net loans and leases to total assets | 31.1605% | 5,132 |
| Net loans and leases to deposits | 133.7179% | 35 |
| Net loans and leases to core deposits | 134.3286% | 253 |
| Total domestic deposits to total assets | 23.3031% | 5,336 |
| Equity capital to assets | 42.1007% | 42 |
| Core capital (leverage) ratio | 52.7194% | 34 |
| Tier 1 risk-based capital ratio | 63.2436% | 81 |
| Total risk-based capital ratio | 64.5618% | 80 |
| Memoranda: | ||
| Average total assets | $428,574,000 | 1,643 |
| Average earning assets | $312,377,500 | 1,987 |
| Average equity | $201,066,500 | 469 |
| Average total loans | $156,511,500 | 2,617 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4153% | 26 |
| Cost of funding earning assets | 0.4169% | 3,883 |
| Net interest margin | 8.9985% | 21 |
| Noninterest income to average assets | 190.6964% | 3 |
| Noninterest expense to average assets | 140.8998% | 3 |
| Loan and lease loss provision to assets | 5.4734% | 6 |
| Net operating income to assets | 50.3784% | 2 |
| Return on assets (ROA) | 50.3784% | 2 |
| Pretax return on assets | 50.3784% | 4 |
| Return on Equity (ROE) | 99.7085% | 2 |
| Retained earnings to average equity (ytd only) | 16.8553% | 72 |
| Net charge-offs to loans | 4.2505% | 23 |
| Credit loss provision to net charge-offs | 639.6007% | 540 |
| Earnings coverage of net charge-offs (x) | 65.2662% | 975 |
| Efficiency ratio | 71.6130% | 1,955 |
| Assets per employee ($millions) | 0.5387% | 5,377 |
| Cash dividends to net income (ytd only)* | 83.0954% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.1311% | 4 |
| Loan loss allowance to noncurrent loans | 534.0477% | 1,033 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 1,625 |
| Noncurrent loans to loans | 2.2715% | 563 |
| Net loans and leases to total assets | 33.2702% | 5,139 |
| Net loans and leases to deposits | 191.3532% | 9 |
| Net loans and leases to core deposits | 192.7926% | 41 |
| Total domestic deposits to total assets | 17.3868% | 5,381 |
| Equity capital to assets | 52.8142% | 36 |
| Core capital (leverage) ratio | 57.8819% | 32 |
| Tier 1 risk-based capital ratio | 85.8214% | 50 |
| Total risk-based capital ratio | 87.1534% | 50 |
| Memoranda: | ||
| Average total assets | $351,152,400 | 1,916 |
| Average earning assets | $236,295,400 | 2,442 |
| Average equity | $177,422,200 | 497 |
| Average total loans | $70,696,800 | 3,857 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8345% | 43 |
| Cost of funding earning assets | 0.3535% | 4,159 |
| Net interest margin | 7.4810% | 29 |
| Noninterest income to average assets | 195.3547% | 3 |
| Noninterest expense to average assets | 145.4240% | 3 |
| Loan and lease loss provision to assets | 4.2356% | 13 |
| Net operating income to assets | 50.5288% | 3 |
| Return on assets (ROA) | 50.5288% | 2 |
| Pretax return on assets | 50.5288% | 4 |
| Return on Equity (ROE) | 101.2956% | 2 |
| Retained earnings to average equity (ytd only) | -13.3760% | 5,418 |
| Net charge-offs to loans | 2.9281% | 34 |
| Credit loss provision to net charge-offs | 954.8246% | 431 |
| Earnings coverage of net charge-offs (x) | 123.4546% | 642 |
| Efficiency ratio | 72.6435% | 1,789 |
| Assets per employee ($millions) | 0.5205% | 5,447 |
| Cash dividends to net income (ytd only)* | 113.2049% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.4505% | 4 |
| Loan loss allowance to noncurrent loans | 649.4792% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.4716% | 2,798 |
| Noncurrent loans to loans | 1.7630% | 878 |
| Net loans and leases to total assets | 23.6842% | 5,354 |
| Net loans and leases to deposits | 171.0755% | 10 |
| Net loans and leases to core deposits | 172.7783% | 62 |
| Total domestic deposits to total assets | 13.8443% | 5,457 |
| Equity capital to assets | 42.6534% | 43 |
| Core capital (leverage) ratio | 49.0622% | 38 |
| Tier 1 risk-based capital ratio | 65.3074% | 75 |
| Total risk-based capital ratio | 66.6041% | 74 |
| Memoranda: | ||
| Average total assets | $342,642,000 | 1,951 |
| Average earning assets | $221,391,250 | 2,566 |
| Average equity | $170,918,500 | 505 |
| Average total loans | $51,909,000 | 4,315 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0913% | 127 |
| Cost of funding earning assets | 0.2926% | 4,467 |
| Net interest margin | 5.7987% | 80 |
| Noninterest income to average assets | 197.4252% | 3 |
| Noninterest expense to average assets | 147.5661% | 3 |
| Loan and lease loss provision to assets | 2.8652% | 22 |
| Net operating income to assets | 50.7596% | 4 |
| Return on assets (ROA) | 50.7596% | 4 |
| Pretax return on assets | 50.7596% | 4 |
| Return on Equity (ROE) | 96.6468% | 2 |
| Retained earnings to average equity (ytd only) | 5.6294% | 2,755 |
| Net charge-offs to loans | 1.6584% | 70 |
| Credit loss provision to net charge-offs | 1,582.5083% | 263 |
| Earnings coverage of net charge-offs (x) | 296.1815% | 308 |
| Efficiency ratio | 73.3463% | 1,797 |
| Assets per employee ($millions) | 0.5291% | 5,512 |
| Cash dividends to net income (ytd only)* | 94.1753% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1994% | 4 |
| Loan loss allowance to noncurrent loans | 791.7772% | 745 |
| Noncurrent assets plus other real estate owned to assets | 0.2133% | 3,932 |
| Noncurrent loans to loans | 1.2882% | 1,327 |
| Net loans and leases to total assets | 14.8711% | 5,474 |
| Net loans and leases to deposits | 129.4496% | 46 |
| Net loans and leases to core deposits | 131.0635% | 313 |
| Total domestic deposits to total assets | 11.4880% | 5,523 |
| Equity capital to assets | 50.4805% | 38 |
| Core capital (leverage) ratio | 60.2976% | 34 |
| Tier 1 risk-based capital ratio | 96.5171% | 45 |
| Total risk-based capital ratio | 97.7942% | 44 |
| Memoranda: | ||
| Average total assets | $334,707,000 | 1,988 |
| Average earning assets | $217,360,000 | 2,607 |
| Average equity | $175,790,670 | 492 |
| Average total loans | $36,541,000 | 4,735 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0199% | 670 |
| Cost of funding earning assets | 0.2517% | 4,698 |
| Net interest margin | 4.7682% | 365 |
| Noninterest income to average assets | 198.6389% | 3 |
| Noninterest expense to average assets | 148.2043% | 3 |
| Loan and lease loss provision to assets | 2.0164% | 34 |
| Net operating income to assets | 51.4699% | 4 |
| Return on assets (ROA) | 51.4699% | 4 |
| Pretax return on assets | 51.4699% | 4 |
| Return on Equity (ROE) | 95.9739% | 3 |
| Retained earnings to average equity (ytd only) | 4.2689% | 3,478 |
| Net charge-offs to loans | 0.5481% | 276 |
| Credit loss provision to net charge-offs | 4,685.7143% | 79 |
| Earnings coverage of net charge-offs (x) | 1,242.9143% | 48 |
| Efficiency ratio | 73.4810% | 1,970 |
| Assets per employee ($millions) | 0.4954% | 5,576 |
| Cash dividends to net income (ytd only)* | 95.5521% | 618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2358% | 8 |
| Loan loss allowance to noncurrent loans | 1,370.2222% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0688% | 4,748 |
| Noncurrent loans to loans | 0.6740% | 2,531 |
| Net loans and leases to total assets | 9.2664% | 5,554 |
| Net loans and leases to deposits | 95.4809% | 1,082 |
| Net loans and leases to core deposits | 97.0095% | 1,904 |
| Total domestic deposits to total assets | 9.7050% | 5,587 |
| Equity capital to assets | 53.6357% | 38 |
| Core capital (leverage) ratio | 63.7469% | 33 |
| Tier 1 risk-based capital ratio | 106.1905% | 38 |
| Total risk-based capital ratio | 107.4498% | 38 |
| Memoranda: | ||
| Average total assets | $325,332,000 | 2,048 |
| Average earning assets | $208,211,000 | 2,713 |
| Average equity | $174,472,500 | 498 |
| Average total loans | $25,545,000 | 5,088 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4954% | 5,629 |
| Cost of funding earning assets | 0.0615% | 5,593 |
| Net interest margin | 1.4339% | 5,619 |
| Noninterest income to average assets | 228.6531% | 3 |
| Noninterest expense to average assets | 172.6052% | 2 |
| Loan and lease loss provision to assets | 0.5871% | 217 |
| Net operating income to assets | 56.3819% | 3 |
| Return on assets (ROA) | 56.3819% | 3 |
| Pretax return on assets | 56.3819% | 3 |
| Return on Equity (ROE) | 100.9093% | 2 |
| Retained earnings to average equity (ytd only) | 28.8332% | 13 |
| Net charge-offs to loans | 0.2291% | 1,129 |
| Credit loss provision to net charge-offs | 16,522.2222% | 15 |
| Earnings coverage of net charge-offs (x) | 16,032.3333% | 2 |
| Efficiency ratio | 75.1849% | 1,736 |
| Assets per employee ($millions) | 0.5003% | 5,641 |
| Cash dividends to net income (ytd only)* | 71.4266% | 1,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.3460% | 11 |
| Loan loss allowance to noncurrent loans | 29,560.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 5,195 |
| Noncurrent loans to loans | 0.0282% | 4,884 |
| Net loans and leases to total assets | 5.0143% | 5,634 |
| Net loans and leases to deposits | 74.4541% | 3,481 |
| Net loans and leases to core deposits | 76.2019% | 3,727 |
| Total domestic deposits to total assets | 6.7347% | 5,655 |
| Equity capital to assets | 53.6224% | 35 |
| Core capital (leverage) ratio | 66.9607% | 29 |
| Tier 1 risk-based capital ratio | 111.0068% | 36 |
| Total risk-based capital ratio | 112.0169% | 35 |
| Memoranda: | ||
| Average total assets | $253,279,800 | 2,468 |
| Average earning assets | $162,701,800 | 3,164 |
| Average equity | $141,517,200 | 573 |
| Average total loans | $3,929,000 | 5,629 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0355% | 5,726 |
| Cost of funding earning assets | 0.0245% | 5,703 |
| Net interest margin | 1.0109% | 5,720 |
| Noninterest income to average assets | 241.8327% | 3 |
| Noninterest expense to average assets | 183.2774% | 2 |
| Loan and lease loss provision to assets | 0.0662% | 2,745 |
| Net operating income to assets | 59.1426% | 3 |
| Return on assets (ROA) | 59.1426% | 3 |
| Pretax return on assets | 59.1426% | 4 |
| Return on Equity (ROE) | 104.4055% | 4 |
| Retained earnings to average equity (ytd only) | 2.5377% | 4,373 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5826% | 1,652 |
| Assets per employee ($millions) | 0.4102% | 5,710 |
| Cash dividends to net income (ytd only)* | 97.5694% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0434% | 23 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 0.6994% | 5,703 |
| Net loans and leases to deposits | 18.7236% | 5,664 |
| Net loans and leases to core deposits | 20.8721% | 5,655 |
| Total domestic deposits to total assets | 3.7352% | 5,724 |
| Equity capital to assets | 52.0346% | 37 |
| Core capital (leverage) ratio | 58.1576% | 34 |
| Tier 1 risk-based capital ratio | 111.4029% | 37 |
| Total risk-based capital ratio | 111.5079% | 37 |
| Memoranda: | ||
| Average total assets | $235,675,500 | 2,623 |
| Average earning assets | $152,328,750 | 3,322 |
| Average equity | $133,503,000 | 621 |
| Average total loans | $484,000 | 5,706 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8775% | 5,778 |
| Cost of funding earning assets | 0.0081% | 5,767 |
| Net interest margin | 0.8694% | 5,775 |
| Noninterest income to average assets | 244.5793% | 3 |
| Noninterest expense to average assets | 187.2600% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 57.8880% | 3 |
| Return on assets (ROA) | 57.8880% | 3 |
| Pretax return on assets | 57.8880% | 4 |
| Return on Equity (ROE) | 99.1158% | 3 |
| Retained earnings to average equity (ytd only) | -1.7187% | 5,324 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3865% | 1,659 |
| Assets per employee ($millions) | 0.3553% | 5,764 |
| Cash dividends to net income (ytd only)* | 101.7340% | 464 |
| 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 | 0.4494% | 5,792 |
| Equity capital to assets | 59.2802% | 36 |
| Core capital (leverage) ratio | 63.0739% | 33 |
| Tier 1 risk-based capital ratio | 130.6830% | 32 |
| Total risk-based capital ratio | 130.6830% | 32 |
| Memoranda: | ||
| Average total assets | $227,536,000 | 2,704 |
| Average earning assets | $148,833,330 | 3,386 |
| Average equity | $132,891,000 | 622 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7274% | 5,849 |
| Cost of funding earning assets | 0.0053% | 5,833 |
| Net interest margin | 0.7221% | 5,847 |
| Noninterest income to average assets | 234.1561% | 3 |
| Noninterest expense to average assets | 179.9434% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 54.6904% | 3 |
| Return on assets (ROA) | 54.6904% | 3 |
| Pretax return on assets | 54.6904% | 4 |
| Return on Equity (ROE) | 94.3230% | 6 |
| Retained earnings to average equity (ytd only) | 4.4431% | 3,206 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6912% | 1,808 |
| Assets per employee ($millions) | 0.3864% | 5,830 |
| Cash dividends to net income (ytd only)* | 95.2895% | 757 |
| 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 | 0.4446% | 5,858 |
| Equity capital to assets | 59.8086% | 36 |
| Core capital (leverage) ratio | 67.2422% | 34 |
| Tier 1 risk-based capital ratio | 143.1930% | 33 |
| Total risk-based capital ratio | 143.1930% | 33 |
| Memoranda: | ||
| Average total assets | $230,263,500 | 2,705 |
| Average earning assets | $152,329,000 | 3,374 |
| Average equity | $133,511,500 | 611 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4974% | 5,902 |
| Cost of funding earning assets | 0.0008% | 5,896 |
| Net interest margin | 0.4967% | 5,898 |
| Noninterest income to average assets | 238.4111% | 3 |
| Noninterest expense to average assets | 182.3660% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 56.3820% | 4 |
| Return on assets (ROA) | 56.3820% | 4 |
| Pretax return on assets | 56.3820% | 4 |
| Return on Equity (ROE) | 103.0743% | 3 |
| Retained earnings to average equity (ytd only) | 22.9123% | 34 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3843% | 1,923 |
| Assets per employee ($millions) | 0.4300% | 5,887 |
| Cash dividends to net income (ytd only)* | 77.7711% | 990 |
| 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 | 0.4228% | 5,916 |
| Equity capital to assets | 56.2451% | 36 |
| Core capital (leverage) ratio | 64.9284% | 31 |
| Tier 1 risk-based capital ratio | 141.3545% | 32 |
| Total risk-based capital ratio | 141.3545% | 32 |
| Memoranda: | ||
| Average total assets | $194,987,600 | 3,009 |
| Average earning assets | $132,276,200 | 3,613 |
| Average equity | $106,659,000 | 750 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4681% | 5,971 |
| Cost of funding earning assets | 0.0000% | 5,963 |
| Net interest margin | 0.4681% | 5,969 |
| Noninterest income to average assets | 245.0560% | 2 |
| Noninterest expense to average assets | 190.6732% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 54.7004% | 3 |
| Return on assets (ROA) | 54.7004% | 3 |
| Pretax return on assets | 54.7004% | 4 |
| Return on Equity (ROE) | 100.9104% | 4 |
| Retained earnings to average equity (ytd only) | -12.9374% | 5,874 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7073% | 1,729 |
| Assets per employee ($millions) | 0.3715% | 5,957 |
| Cash dividends to net income (ytd only)* | 112.8206% | 267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.2573% | 5,987 |
| Equity capital to assets | 50.8015% | 38 |
| Core capital (leverage) ratio | 52.9135% | 36 |
| Tier 1 risk-based capital ratio | 122.7779% | 35 |
| Total risk-based capital ratio | 122.7779% | 36 |
| Memoranda: | ||
| Average total assets | $184,720,500 | 3,121 |
| Average earning assets | $125,319,250 | 3,748 |
| Average equity | $100,131,250 | 791 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4560% | 6,050 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 0.4560% | 6,048 |
| Noninterest income to average assets | 237.8264% | 3 |
| Noninterest expense to average assets | 186.0300% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 52.1060% | 3 |
| Return on assets (ROA) | 52.1060% | 3 |
| Pretax return on assets | 52.1060% | 4 |
| Return on Equity (ROE) | 94.0168% | 5 |
| Retained earnings to average equity (ytd only) | -36.1976% | 6,021 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1192% | 1,773 |
| Assets per employee ($millions) | 0.3341% | 6,037 |
| Cash dividends to net income (ytd only)* | 138.5012% | 247 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.2912% | 6,065 |
| Equity capital to assets | 52.5480% | 35 |
| Core capital (leverage) ratio | 52.2346% | 38 |
| Tier 1 risk-based capital ratio | 117.2835% | 38 |
| Total risk-based capital ratio | 117.2835% | 38 |
| Memoranda: | ||
| Average total assets | $181,522,330 | 3,179 |
| Average earning assets | $123,252,330 | 3,818 |
| Average equity | $100,603,330 | 790 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4301% | 6,113 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 0.4301% | 6,112 |
| Noninterest income to average assets | 224.1989% | 3 |
| Noninterest expense to average assets | 175.6488% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 48.8483% | 3 |
| Return on assets (ROA) | 48.8483% | 3 |
| Pretax return on assets | 48.8483% | 4 |
| Return on Equity (ROE) | 86.0828% | 8 |
| Retained earnings to average equity (ytd only) | -19.7908% | 5,965 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2410% | 1,862 |
| Assets per employee ($millions) | 0.3743% | 6,096 |
| Cash dividends to net income (ytd only)* | 122.9904% | 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% | 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 | NA | NA |
| Total domestic deposits to total assets | 0.2766% | 6,129 |
| Equity capital to assets | 57.0854% | 35 |
| Core capital (leverage) ratio | 61.0366% | 31 |
| Tier 1 risk-based capital ratio | 145.7757% | 32 |
| Total risk-based capital ratio | 145.7757% | 32 |
| Memoranda: | ||
| Average total assets | $186,422,000 | 3,133 |
| Average earning assets | $129,283,500 | 3,727 |
| Average equity | $105,786,500 | 760 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2731% | 6,174 |
| Cost of funding earning assets | 0.0009% | 6,164 |
| Net interest margin | 0.2722% | 6,172 |
| Noninterest income to average assets | 237.6789% | 2 |
| Noninterest expense to average assets | 184.7102% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 53.1529% | 4 |
| Return on assets (ROA) | 53.1529% | 4 |
| Pretax return on assets | 53.1529% | 5 |
| Return on Equity (ROE) | 93.1071% | 4 |
| Retained earnings to average equity (ytd only) | 28.5630% | 34 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6540% | 2,023 |
| Assets per employee ($millions) | 0.4018% | 6,156 |
| Cash dividends to net income (ytd only)* | 69.3224% | 1,287 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.2603% | 6,189 |
| Equity capital to assets | 56.4260% | 36 |
| Core capital (leverage) ratio | 62.1299% | 34 |
| Tier 1 risk-based capital ratio | 154.7623% | 32 |
| Total risk-based capital ratio | 154.7623% | 32 |
| Memoranda: | ||
| Average total assets | $157,408,200 | 3,465 |
| Average earning assets | $106,535,200 | 4,129 |
| Average equity | $89,861,000 | 847 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2645% | 6,263 |
| Cost of funding earning assets | 0.0013% | 6,249 |
| Net interest margin | 0.2632% | 6,260 |
| Noninterest income to average assets | 241.9218% | 2 |
| Noninterest expense to average assets | 187.8300% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 54.2676% | 3 |
| Return on assets (ROA) | 54.2676% | 3 |
| Pretax return on assets | 54.2676% | 5 |
| Return on Equity (ROE) | 94.7052% | 4 |
| Retained earnings to average equity (ytd only) | 3.9734% | 3,640 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5844% | 2,007 |
| Assets per employee ($millions) | 0.3756% | 6,246 |
| Cash dividends to net income (ytd only)* | 95.8044% | 436 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.2952% | 6,275 |
| Equity capital to assets | 50.3468% | 43 |
| Core capital (leverage) ratio | 58.3656% | 37 |
| Tier 1 risk-based capital ratio | 125.4804% | 39 |
| Total risk-based capital ratio | 125.4804% | 39 |
| Memoranda: | ||
| Average total assets | $148,740,750 | 3,618 |
| Average earning assets | $99,304,750 | 4,353 |
| Average equity | $85,230,750 | 900 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2760% | 6,340 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 0.2760% | 6,338 |
| Noninterest income to average assets | 238.7858% | 2 |
| Noninterest expense to average assets | 185.3966% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 53.5725% | 3 |
| Return on assets (ROA) | 53.5725% | 3 |
| Pretax return on assets | 53.5725% | 5 |
| Return on Equity (ROE) | 89.1833% | 6 |
| Retained earnings to average equity (ytd only) | -2.3542% | 5,861 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5818% | 2,129 |
| Assets per employee ($millions) | 0.3323% | 6,327 |
| Cash dividends to net income (ytd only)* | 102.6397% | 487 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3499% | 6,350 |
| Equity capital to assets | 57.1846% | 39 |
| Core capital (leverage) ratio | 58.5812% | 37 |
| Tier 1 risk-based capital ratio | 129.0549% | 38 |
| Total risk-based capital ratio | 129.0549% | 38 |
| Memoranda: | ||
| Average total assets | $141,852,670 | 3,754 |
| Average earning assets | $94,209,330 | 4,519 |
| Average equity | $85,211,000 | 902 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2729% | 6,412 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 0.2729% | 6,408 |
| Noninterest income to average assets | 227.9690% | 2 |
| Noninterest expense to average assets | 176.0132% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 52.1397% | 3 |
| Return on assets (ROA) | 52.1397% | 3 |
| Pretax return on assets | 52.1397% | 5 |
| Return on Equity (ROE) | 84.7402% | 8 |
| Retained earnings to average equity (ytd only) | 38.7408% | 17 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1470% | 2,320 |
| Assets per employee ($millions) | 0.3523% | 6,397 |
| Cash dividends to net income (ytd only)* | 54.2829% | 1,587 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3396% | 6,424 |
| Equity capital to assets | 61.9248% | 37 |
| Core capital (leverage) ratio | 66.7323% | 35 |
| Tier 1 risk-based capital ratio | 155.6456% | 36 |
| Total risk-based capital ratio | 155.6456% | 37 |
| Memoranda: | ||
| Average total assets | $141,328,000 | 3,791 |
| Average earning assets | $95,272,000 | 4,526 |
| Average equity | $86,957,500 | 886 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2755% | 6,498 |
| Cost of funding earning assets | 0.0013% | 6,489 |
| Net interest margin | 0.2742% | 6,496 |
| Noninterest income to average assets | 242.2688% | 2 |
| Noninterest expense to average assets | 190.7122% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 51.7377% | 4 |
| Return on assets (ROA) | 51.7377% | 4 |
| Pretax return on assets | 51.7377% | 6 |
| Return on Equity (ROE) | 88.9526% | 5 |
| Retained earnings to average equity (ytd only) | 23.4767% | 46 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6605% | 2,108 |
| Assets per employee ($millions) | 0.3295% | 6,486 |
| Cash dividends to net income (ytd only)* | 73.6076% | 1,156 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.3693% | 6,514 |
| Equity capital to assets | 61.0983% | 38 |
| Core capital (leverage) ratio | 66.4184% | 33 |
| Tier 1 risk-based capital ratio | 161.6108% | 32 |
| Total risk-based capital ratio | 161.6108% | 32 |
| Memoranda: | ||
| Average total assets | $118,163,400 | 4,222 |
| Average earning assets | $78,033,600 | 4,922 |
| Average equity | $68,727,600 | 1,072 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2770% | 6,579 |
| Cost of funding earning assets | 0.0018% | 6,570 |
| Net interest margin | 0.2752% | 6,577 |
| Noninterest income to average assets | 244.0424% | 2 |
| Noninterest expense to average assets | 192.7058% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 51.5158% | 3 |
| Return on assets (ROA) | 51.5158% | 3 |
| Pretax return on assets | 51.5158% | 6 |
| Return on Equity (ROE) | 89.9203% | 5 |
| Retained earnings to average equity (ytd only) | -2.0645% | 6,078 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9061% | 2,065 |
| Assets per employee ($millions) | 0.2923% | 6,568 |
| Cash dividends to net income (ytd only)* | 102.2960% | 339 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.4341% | 6,591 |
| Equity capital to assets | 56.9210% | 37 |
| Core capital (leverage) ratio | 56.1703% | 37 |
| Tier 1 risk-based capital ratio | 135.4678% | 39 |
| Total risk-based capital ratio | 135.4678% | 39 |
| Memoranda: | ||
| Average total assets | $113,852,250 | 4,334 |
| Average earning assets | $74,128,250 | 5,095 |
| Average equity | $65,226,500 | 1,130 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2676% | 6,647 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 0.2676% | 6,645 |
| Noninterest income to average assets | 237.7409% | 2 |
| Noninterest expense to average assets | 188.6888% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 49.2267% | 3 |
| Return on assets (ROA) | 49.2267% | 3 |
| Pretax return on assets | 49.2267% | 6 |
| Return on Equity (ROE) | 85.7375% | 6 |
| Retained earnings to average equity (ytd only) | -21.7646% | 6,541 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3092% | 2,123 |
| Assets per employee ($millions) | 0.2997% | 6,636 |
| Cash dividends to net income (ytd only)* | 125.3851% | 340 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.4425% | 6,659 |
| Equity capital to assets | 52.6556% | 39 |
| Core capital (leverage) ratio | 53.3287% | 39 |
| Tier 1 risk-based capital ratio | 119.8536% | 41 |
| Total risk-based capital ratio | 119.8536% | 41 |
| Memoranda: | ||
| Average total assets | $113,410,000 | 4,375 |
| Average earning assets | $73,990,670 | 5,140 |
| Average equity | $65,115,000 | 1,124 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2632% | 6,720 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 0.2632% | 6,718 |
| Noninterest income to average assets | 237.2509% | 3 |
| Noninterest expense to average assets | 190.6365% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 46.7869% | 4 |
| Return on assets (ROA) | 46.7869% | 4 |
| Pretax return on assets | 46.7869% | 8 |
| Return on Equity (ROE) | 78.2622% | 12 |
| Retained earnings to average equity (ytd only) | 16.4298% | 248 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2939% | 2,161 |
| Assets per employee ($millions) | 0.3148% | 6,705 |
| Cash dividends to net income (ytd only)* | 79.0068% | 986 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.4328% | 6,729 |
| Equity capital to assets | 60.0085% | 41 |
| Core capital (leverage) ratio | 64.9683% | 35 |
| Tier 1 risk-based capital ratio | 155.5597% | 36 |
| Total risk-based capital ratio | 155.5597% | 36 |
| Memoranda: | ||
| Average total assets | $113,621,500 | 4,419 |
| Average earning assets | $74,461,000 | 5,162 |
| Average equity | $67,925,500 | 1,075 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3276% | 6,795 |
| Cost of funding earning assets | 0.0015% | 6,794 |
| Net interest margin | 0.3261% | 6,792 |
| Noninterest income to average assets | 200.3261% | 2 |
| Noninterest expense to average assets | 159.6003% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 34.7990% | 7 |
| Return on assets (ROA) | 34.7990% | 7 |
| Pretax return on assets | 40.9269% | 7 |
| Return on Equity (ROE) | 60.5398% | 12 |
| Retained earnings to average equity (ytd only) | 14.6031% | 182 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5904% | 2,220 |
| Assets per employee ($millions) | 0.3416% | 6,786 |
| Cash dividends to net income (ytd only)* | 75.8786% | 1,067 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.4476% | 6,811 |
| Equity capital to assets | 59.5483% | 39 |
| Core capital (leverage) ratio | 63.5835% | 37 |
| Tier 1 risk-based capital ratio | 157.1064% | 34 |
| Total risk-based capital ratio | 157.1064% | 35 |
| Memoranda: | ||
| Average total assets | $107,934,000 | 4,548 |
| Average earning assets | $66,537,600 | 5,390 |
| Average equity | $62,041,800 | 1,164 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3304% | 6,873 |
| Cost of funding earning assets | 0.0020% | 6,872 |
| Net interest margin | 0.3283% | 6,871 |
| Noninterest income to average assets | 192.0049% | 2 |
| Noninterest expense to average assets | 152.9404% | 1 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 30.6526% | 7 |
| Return on assets (ROA) | 30.6526% | 7 |
| Pretax return on assets | 39.2638% | 7 |
| Return on Equity (ROE) | 53.8316% | 14 |
| Retained earnings to average equity (ytd only) | 13.3436% | 305 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5718% | 2,166 |
| Assets per employee ($millions) | 0.3377% | 6,864 |
| Cash dividends to net income (ytd only)* | 75.2124% | 913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 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 | NA | NA |
| Total domestic deposits to total assets | 0.4700% | 6,888 |
| Equity capital to assets | 59.7943% | 39 |
| Core capital (leverage) ratio | 64.4078% | 33 |
| Tier 1 risk-based capital ratio | 152.9887% | 33 |
| Total risk-based capital ratio | 152.9887% | 33 |
| Memoranda: | ||
| Average total assets | $106,989,750 | 4,619 |
| Average earning assets | $64,973,250 | 5,489 |
| Average equity | $60,921,750 | 1,191 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3410% | 6,924 |
| Cost of funding earning assets | 0.0031% | 6,918 |
| Net interest margin | 0.3379% | 6,921 |
| Noninterest income to average assets | 184.5827% | 2 |
| Noninterest expense to average assets | 147.7826% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 24.1093% | 7 |
| Return on assets (ROA) | 24.1093% | 7 |
| Pretax return on assets | 37.0016% | 7 |
| Return on Equity (ROE) | 43.0537% | 26 |
| Retained earnings to average equity (ytd only) | 14.7333% | 255 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9758% | 2,157 |
| Assets per employee ($millions) | 0.3808% | 6,909 |
| Cash dividends to net income (ytd only)* | 65.7793% | 1,331 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.4222% | 6,941 |
| Equity capital to assets | 52.2995% | 39 |
| Core capital (leverage) ratio | 62.6986% | 34 |
| Tier 1 risk-based capital ratio | 114.0911% | 41 |
| Total risk-based capital ratio | 114.0911% | 41 |
| Memoranda: | ||
| Average total assets | $107,195,330 | 4,636 |
| Average earning assets | $63,930,000 | 5,564 |
| Average equity | $60,027,330 | 1,215 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3549% | 7,003 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 0.3549% | 6,999 |
| Noninterest income to average assets | 185.8259% | 2 |
| Noninterest expense to average assets | 147.5517% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 11.2747% | 17 |
| Return on assets (ROA) | 11.2747% | 17 |
| Pretax return on assets | 38.4868% | 7 |
| Return on Equity (ROE) | 19.3875% | 334 |
| Retained earnings to average equity (ytd only) | 19.3875% | 156 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3125% | 2,425 |
| Assets per employee ($millions) | 0.3723% | 6,987 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.4568% | 7,017 |
| Equity capital to assets | 55.2643% | 38 |
| Core capital (leverage) ratio | 59.8792% | 33 |
| Tier 1 risk-based capital ratio | 129.2861% | 38 |
| Total risk-based capital ratio | 129.2861% | 38 |
| Memoranda: | ||
| Average total assets | $101,572,500 | 4,823 |
| Average earning assets | $60,856,500 | 5,714 |
| Average equity | $59,069,000 | 1,237 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4240% | 7,061 |
| Cost of funding earning assets | 0.0016% | 7,070 |
| Net interest margin | 0.4223% | 7,055 |
| Noninterest income to average assets | 170.1292% | 4 |
| Noninterest expense to average assets | 135.1667% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 22.8895% | 8 |
| Return on assets (ROA) | 22.8895% | 8 |
| Pretax return on assets | 35.2209% | 6 |
| Return on Equity (ROE) | 36.3035% | 34 |
| Retained earnings to average equity (ytd only) | -18.4925% | 6,820 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3289% | 2,237 |
| Assets per employee ($millions) | 0.3133% | 7,057 |
| Cash dividends to net income (ytd only)* | 150.9384% | 215 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.5337% | 7,081 |
| Equity capital to assets | 61.5310% | 38 |
| Core capital (leverage) ratio | 51.5044% | 38 |
| Tier 1 risk-based capital ratio | 141.1980% | 38 |
| Total risk-based capital ratio | 141.1980% | 38 |
| Memoranda: | ||
| Average total assets | $99,858,200 | 4,837 |
| Average earning assets | $61,089,400 | 5,702 |
| Average equity | $62,960,800 | 1,130 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3783% | 7,169 |
| Cost of funding earning assets | 0.0021% | 7,169 |
| Net interest margin | 0.3762% | 7,168 |
| Noninterest income to average assets | 161.9065% | 4 |
| Noninterest expense to average assets | 128.7857% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 21.6747% | 8 |
| Return on assets (ROA) | 21.6747% | 8 |
| Pretax return on assets | 33.3522% | 6 |
| Return on Equity (ROE) | 34.1866% | 43 |
| Retained earnings to average equity (ytd only) | -2.1071% | 6,410 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4297% | 2,184 |
| Assets per employee ($millions) | 0.3697% | 7,151 |
| Cash dividends to net income (ytd only)* | 106.1635% | 275 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.4464% | 7,179 |
| Equity capital to assets | 60.9848% | 36 |
| Core capital (leverage) ratio | 68.5077% | 29 |
| Tier 1 risk-based capital ratio | 144.3194% | 41 |
| Total risk-based capital ratio | 144.3194% | 41 |
| Memoranda: | ||
| Average total assets | $101,400,000 | 4,845 |
| Average earning assets | $62,377,750 | 5,727 |
| Average equity | $64,288,750 | 1,114 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3911% | 7,232 |
| Cost of funding earning assets | 0.0033% | 7,229 |
| Net interest margin | 0.3878% | 7,229 |
| Noninterest income to average assets | 163.8227% | 4 |
| Noninterest expense to average assets | 130.4528% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 21.8433% | 8 |
| Return on assets (ROA) | 21.8433% | 8 |
| Pretax return on assets | 33.6111% | 6 |
| Return on Equity (ROE) | 33.9587% | 57 |
| Retained earnings to average equity (ytd only) | -21.6436% | 7,028 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5134% | 2,262 |
| Assets per employee ($millions) | 0.3335% | 7,219 |
| Cash dividends to net income (ytd only)* | 163.7350% | 138 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.5014% | 7,246 |
| Equity capital to assets | 62.6731% | 34 |
| Core capital (leverage) ratio | 66.9104% | 29 |
| Tier 1 risk-based capital ratio | 155.1911% | 35 |
| Total risk-based capital ratio | 155.1911% | 35 |
| Memoranda: | ||
| Average total assets | $97,860,670 | 4,956 |
| Average earning assets | $60,859,330 | 5,808 |
| Average equity | $62,947,000 | 1,129 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3989% | 7,294 |
| Cost of funding earning assets | 0.0000% | 7,293 |
| Net interest margin | 0.3989% | 7,292 |
| Noninterest income to average assets | 161.0432% | 5 |
| Noninterest expense to average assets | 127.5322% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 21.9404% | 8 |
| Return on assets (ROA) | 21.9404% | 8 |
| Pretax return on assets | 33.7627% | 5 |
| Return on Equity (ROE) | 33.6655% | 75 |
| Retained earnings to average equity (ytd only) | -77.1387% | 7,253 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0677% | 2,338 |
| Assets per employee ($millions) | 0.3162% | 7,282 |
| Cash dividends to net income (ytd only)* | 329.1330% | 54 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.5324% | 7,307 |
| Equity capital to assets | 60.7797% | 32 |
| Core capital (leverage) ratio | 55.9097% | 30 |
| Tier 1 risk-based capital ratio | 150.7458% | 35 |
| Total risk-based capital ratio | 150.7458% | 35 |
| Memoranda: | ||
| Average total assets | $96,935,500 | 5,019 |
| Average earning assets | $61,171,500 | 5,838 |
| Average equity | $63,174,500 | 1,120 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4477% | 7,339 |
| Cost of funding earning assets | 0.0369% | 7,333 |
| Net interest margin | 0.4108% | 7,336 |
| Noninterest income to average assets | 152.3261% | 6 |
| Noninterest expense to average assets | 123.1805% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 19.1140% | 7 |
| Return on assets (ROA) | 19.1140% | 7 |
| Pretax return on assets | 29.4118% | 5 |
| Return on Equity (ROE) | 27.5910% | 61 |
| Retained earnings to average equity (ytd only) | -1.4175% | 6,078 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7253% | 2,198 |
| Assets per employee ($millions) | 0.3288% | 7,328 |
| Cash dividends to net income (ytd only)* | 105.1375% | 277 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 0.5002% | 7,354 |
| Equity capital to assets | 69.2981% | 29 |
| Core capital (leverage) ratio | 71.2312% | 25 |
| Tier 1 risk-based capital ratio | 207.8794% | 21 |
| Total risk-based capital ratio | 207.8794% | 21 |
| Memoranda: | ||
| Average total assets | $92,058,400 | 5,131 |
| Average earning assets | $59,642,000 | 5,875 |
| Average equity | $63,774,400 | 1,057 |
| Average total loans | $1,887,000 | 7,310 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4258% | 7,419 |
| Cost of funding earning assets | 0.0412% | 7,407 |
| Net interest margin | 0.3846% | 7,416 |
| Noninterest income to average assets | 154.3729% | 5 |
| Noninterest expense to average assets | 125.7913% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 18.7362% | 8 |
| Return on assets (ROA) | 18.7362% | 8 |
| Pretax return on assets | 28.8303% | 6 |
| Return on Equity (ROE) | 27.0481% | 96 |
| Retained earnings to average equity (ytd only) | -12.4803% | 6,931 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3543% | 2,065 |
| Assets per employee ($millions) | 0.2968% | 7,411 |
| Cash dividends to net income (ytd only)* | 146.1411% | 116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 2.3468% | 7,389 |
| Net loans and leases to deposits | 84.5888% | 1,903 |
| Net loans and leases to core deposits | 84.5888% | 2,971 |
| Total domestic deposits to total assets | 2.7744% | 7,423 |
| Equity capital to assets | 68.6126% | 36 |
| Core capital (leverage) ratio | 69.8280% | 31 |
| Tier 1 risk-based capital ratio | 211.9260% | 26 |
| Total risk-based capital ratio | 211.9260% | 26 |
| Memoranda: | ||
| Average total assets | $90,083,500 | 5,224 |
| Average earning assets | $58,246,000 | 5,969 |
| Average equity | $62,400,750 | 1,084 |
| Average total loans | $2,358,750 | 7,383 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4471% | 7,492 |
| Cost of funding earning assets | 0.0419% | 7,477 |
| Net interest margin | 0.4051% | 7,486 |
| Noninterest income to average assets | 156.4649% | 6 |
| Noninterest expense to average assets | 128.5547% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 18.3074% | 8 |
| Return on assets (ROA) | 18.3074% | 8 |
| Pretax return on assets | 28.1713% | 8 |
| Return on Equity (ROE) | 26.3411% | 110 |
| Retained earnings to average equity (ytd only) | -33.5766% | 7,265 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0251% | 2,096 |
| Assets per employee ($millions) | 0.2659% | 7,489 |
| Cash dividends to net income (ytd only)* | 227.4683% | 77 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 2.6495% | 7,462 |
| Net loans and leases to deposits | 84.7370% | 1,986 |
| Net loans and leases to core deposits | 84.7370% | 3,109 |
| Total domestic deposits to total assets | 3.1267% | 7,496 |
| Equity capital to assets | 68.7009% | 38 |
| Core capital (leverage) ratio | 68.6881% | 35 |
| Tier 1 risk-based capital ratio | 200.4464% | 31 |
| Total risk-based capital ratio | 200.4464% | 31 |
| Memoranda: | ||
| Average total assets | $88,849,330 | 5,293 |
| Average earning assets | $57,263,670 | 6,048 |
| Average equity | $61,751,330 | 1,096 |
| Average total loans | $2,411,330 | 7,459 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5087% | 7,554 |
| Cost of funding earning assets | 0.0412% | 7,542 |
| Net interest margin | 0.4675% | 7,547 |
| Noninterest income to average assets | 155.0491% | 6 |
| Noninterest expense to average assets | 128.1295% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 17.6895% | 9 |
| Return on assets (ROA) | 17.6895% | 9 |
| Pretax return on assets | 27.2225% | 7 |
| Return on Equity (ROE) | 25.3109% | 159 |
| Retained earnings to average equity (ytd only) | -92.6070% | 7,486 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4769% | 2,154 |
| Assets per employee ($millions) | 0.2568% | 7,549 |
| Cash dividends to net income (ytd only)* | 465.8776% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 2.8352% | 7,521 |
| Net loans and leases to deposits | 83.6505% | 2,086 |
| Net loans and leases to core deposits | 83.6505% | 3,215 |
| Total domestic deposits to total assets | 3.3893% | 7,560 |
| Equity capital to assets | 66.3275% | 35 |
| Core capital (leverage) ratio | 54.4618% | 36 |
| Tier 1 risk-based capital ratio | 194.3329% | 29 |
| Total risk-based capital ratio | 194.3329% | 29 |
| Memoranda: | ||
| Average total assets | $89,793,500 | 5,296 |
| Average earning assets | $58,184,000 | 6,057 |
| Average equity | $62,755,500 | 1,070 |
| Average total loans | $2,465,000 | 7,518 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4618% | 7,624 |
| Cost of funding earning assets | 0.0441% | 7,608 |
| Net interest margin | 0.4178% | 7,613 |
| Noninterest income to average assets | 125.5134% | 10 |
| Noninterest expense to average assets | 105.9419% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 12.9027% | 11 |
| Return on assets (ROA) | 12.9422% | 12 |
| Pretax return on assets | 19.9159% | 12 |
| Return on Equity (ROE) | 17.5845% | 416 |
| Retained earnings to average equity (ytd only) | -10.4319% | 6,683 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1166% | 1,905 |
| Assets per employee ($millions) | 0.2762% | 7,631 |
| Cash dividends to net income (ytd only)* | 159.3245% | 161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 2.6666% | 7,604 |
| Net loans and leases to deposits | 85.3422% | 2,218 |
| Net loans and leases to core deposits | 85.3422% | 3,424 |
| Total domestic deposits to total assets | 3.1245% | 7,639 |
| Equity capital to assets | 72.9996% | 34 |
| Core capital (leverage) ratio | 72.9455% | 31 |
| Tier 1 risk-based capital ratio | 283.4505% | 26 |
| Total risk-based capital ratio | 283.4505% | 26 |
| Memoranda: | ||
| Average total assets | $96,992,800 | 5,076 |
| Average earning assets | $65,824,000 | 5,807 |
| Average equity | $71,386,600 | 946 |
| Average total loans | $2,933,200 | 7,595 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4885% | 7,740 |
| Cost of funding earning assets | 0.0448% | 7,719 |
| Net interest margin | 0.4437% | 7,729 |
| Noninterest income to average assets | 123.8693% | 10 |
| Noninterest expense to average assets | 105.3249% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 12.2446% | 12 |
| Return on assets (ROA) | 12.2972% | 13 |
| Pretax return on assets | 18.9241% | 12 |
| Return on Equity (ROE) | 16.6746% | 626 |
| Retained earnings to average equity (ytd only) | -20.4957% | 7,216 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6898% | 1,759 |
| Assets per employee ($millions) | 0.2442% | 7,736 |
| Cash dividends to net income (ytd only)* | 222.9157% | 74 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 2.9938% | 7,709 |
| Net loans and leases to deposits | 85.4056% | 2,451 |
| Net loans and leases to core deposits | 85.4056% | 3,747 |
| Total domestic deposits to total assets | 3.5054% | 7,743 |
| Equity capital to assets | 72.8870% | 38 |
| Core capital (leverage) ratio | 71.7311% | 35 |
| Tier 1 risk-based capital ratio | 266.6956% | 29 |
| Total risk-based capital ratio | 266.6956% | 29 |
| Memoranda: | ||
| Average total assets | $97,277,500 | 5,130 |
| Average earning assets | $65,504,500 | 5,877 |
| Average equity | $71,740,000 | 934 |
| Average total loans | $3,027,500 | 7,694 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5012% | 7,813 |
| Cost of funding earning assets | 0.0450% | 7,788 |
| Net interest margin | 0.4561% | 7,802 |
| Noninterest income to average assets | 121.4794% | 11 |
| Noninterest expense to average assets | 104.6222% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 11.1529% | 15 |
| Return on assets (ROA) | 11.2301% | 16 |
| Pretax return on assets | 17.2820% | 16 |
| Return on Equity (ROE) | 15.1736% | 822 |
| Retained earnings to average equity (ytd only) | -39.2314% | 7,519 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7053% | 1,750 |
| Assets per employee ($millions) | 0.2213% | 7,806 |
| Cash dividends to net income (ytd only)* | 358.5515% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 3.3215% | 7,777 |
| Net loans and leases to deposits | 86.0513% | 2,496 |
| Net loans and leases to core deposits | 86.0513% | 3,824 |
| Total domestic deposits to total assets | 3.8599% | 7,810 |
| Equity capital to assets | 71.7084% | 40 |
| Core capital (leverage) ratio | 60.5197% | 40 |
| Tier 1 risk-based capital ratio | 253.7010% | 29 |
| Total risk-based capital ratio | 253.7010% | 29 |
| Memoranda: | ||
| Average total assets | $99,340,330 | 5,099 |
| Average earning assets | $66,645,330 | 5,880 |
| Average equity | $73,522,670 | 898 |
| Average total loans | $3,127,670 | 7,760 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4481% | 7,917 |
| Cost of funding earning assets | 0.0454% | 7,891 |
| Net interest margin | 0.4027% | 7,904 |
| Noninterest income to average assets | 120.6768% | 11 |
| Noninterest expense to average assets | 104.9522% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 10.3917% | 18 |
| Return on assets (ROA) | 10.3917% | 19 |
| Pretax return on assets | 15.9948% | 19 |
| Return on Equity (ROE) | 13.8605% | 1,079 |
| Retained earnings to average equity (ytd only) | 13.8605% | 525 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3914% | 1,751 |
| Assets per employee ($millions) | 0.2601% | 7,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 2.9265% | 7,879 |
| Net loans and leases to deposits | 85.4253% | 2,696 |
| Net loans and leases to core deposits | 85.4253% | 3,976 |
| Total domestic deposits to total assets | 3.4258% | 7,912 |
| Equity capital to assets | 76.0819% | 31 |
| Core capital (leverage) ratio | 75.4439% | 30 |
| Tier 1 risk-based capital ratio | 334.0300% | 19 |
| Total risk-based capital ratio | 334.0300% | 19 |
| Memoranda: | ||
| Average total assets | $105,084,000 | 5,006 |
| Average earning assets | $70,520,500 | 5,831 |
| Average equity | $78,785,000 | 838 |
| Average total loans | $3,232,500 | 7,859 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5173% | 7,990 |
| Cost of funding earning assets | 0.0623% | 7,974 |
| Net interest margin | 0.4551% | 7,974 |
| Noninterest income to average assets | 122.0068% | 11 |
| Noninterest expense to average assets | 107.0144% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 9.9223% | 13 |
| Return on assets (ROA) | 9.9223% | 13 |
| Pretax return on assets | 15.2706% | 13 |
| Return on Equity (ROE) | 14.0444% | 775 |
| Retained earnings to average equity (ytd only) | 14.0444% | 119 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9269% | 2,002 |
| Assets per employee ($millions) | 0.2496% | 7,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 3.2265% | 7,954 |
| Net loans and leases to deposits | 86.8739% | 2,760 |
| Net loans and leases to core deposits | 86.8739% | 5,438 |
| Total domestic deposits to total assets | 3.7140% | 7,988 |
| Equity capital to assets | 73.8592% | 36 |
| Core capital (leverage) ratio | 72.8206% | 33 |
| Tier 1 risk-based capital ratio | 276.0325% | 22 |
| Total risk-based capital ratio | 276.0325% | 22 |
| Memoranda: | ||
| Average total assets | $102,405,800 | 5,029 |
| Average earning assets | $62,630,400 | 6,045 |
| Average equity | $72,349,000 | 904 |
| Average total loans | $4,006,200 | 7,918 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5343% | 8,077 |
| Cost of funding earning assets | 0.0668% | 8,058 |
| Net interest margin | 0.4675% | 8,059 |
| Noninterest income to average assets | 124.2538% | 9 |
| Noninterest expense to average assets | 109.1660% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 9.9891% | 16 |
| Return on assets (ROA) | 9.9891% | 16 |
| Pretax return on assets | 15.3719% | 14 |
| Return on Equity (ROE) | 14.3063% | 875 |
| Retained earnings to average equity (ytd only) | 14.3063% | 180 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0784% | 1,955 |
| Assets per employee ($millions) | 0.2388% | 8,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,528 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 7,591 |
| Noncurrent loans to loans | 0.1631% | 7,076 |
| Net loans and leases to total assets | 3.5996% | 8,036 |
| Net loans and leases to deposits | 87.5119% | 3,055 |
| Net loans and leases to core deposits | 87.5119% | 5,686 |
| Total domestic deposits to total assets | 4.1133% | 8,073 |
| Equity capital to assets | 73.2704% | 36 |
| Core capital (leverage) ratio | 72.7546% | 35 |
| Tier 1 risk-based capital ratio | 243.6054% | 27 |
| Total risk-based capital ratio | 243.6054% | 27 |
| Memoranda: | ||
| Average total assets | $101,802,000 | 5,072 |
| Average earning assets | $61,885,500 | 6,113 |
| Average equity | $71,081,250 | 933 |
| Average total loans | $4,162,250 | 7,992 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5650% | 8,169 |
| Cost of funding earning assets | 0.0698% | 8,152 |
| Net interest margin | 0.4952% | 8,139 |
| Noninterest income to average assets | 127.3266% | 9 |
| Noninterest expense to average assets | 112.3799% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 9.9029% | 14 |
| Return on assets (ROA) | 9.9029% | 14 |
| Pretax return on assets | 15.2398% | 15 |
| Return on Equity (ROE) | 14.4214% | 922 |
| Retained earnings to average equity (ytd only) | 14.4214% | 233 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4942% | 2,074 |
| Assets per employee ($millions) | 0.2198% | 8,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,563 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 7,659 |
| Noncurrent loans to loans | 0.0763% | 7,335 |
| Net loans and leases to total assets | 3.8779% | 8,127 |
| Net loans and leases to deposits | 86.8508% | 3,378 |
| Net loans and leases to core deposits | 86.8508% | 5,825 |
| Total domestic deposits to total assets | 4.4650% | 8,172 |
| Equity capital to assets | 71.3350% | 41 |
| Core capital (leverage) ratio | 70.7466% | 36 |
| Tier 1 risk-based capital ratio | 252.6418% | 25 |
| Total risk-based capital ratio | 252.6418% | 25 |
| Memoranda: | ||
| Average total assets | $101,667,670 | 5,115 |
| Average earning assets | $60,173,330 | 6,217 |
| Average equity | $69,813,000 | 958 |
| Average total loans | $4,323,330 | 8,076 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6547% | 8,222 |
| Cost of funding earning assets | 0.0800% | 8,206 |
| Net interest margin | 0.5746% | 8,197 |
| Noninterest income to average assets | 137.5273% | 7 |
| Noninterest expense to average assets | 121.9483% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 10.3231% | 17 |
| Return on assets (ROA) | 10.3231% | 18 |
| Pretax return on assets | 15.8892% | 17 |
| Return on Equity (ROE) | 15.3296% | 916 |
| Retained earnings to average equity (ytd only) | 15.3296% | 380 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9510% | 1,902 |
| Assets per employee ($millions) | 0.2136% | 8,223 |
| 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 | 0.0000% | 7,576 |
| Noncurrent assets plus other real estate owned to assets | 0.0310% | 7,526 |
| Noncurrent loans to loans | 0.7510% | 5,554 |
| Net loans and leases to total assets | 4.1224% | 8,181 |
| Net loans and leases to deposits | 86.0634% | 3,617 |
| Net loans and leases to core deposits | 86.0634% | 5,895 |
| Total domestic deposits to total assets | 4.7900% | 8,219 |
| Equity capital to assets | 67.6145% | 44 |
| Core capital (leverage) ratio | 67.9525% | 45 |
| Tier 1 risk-based capital ratio | 220.8996% | 32 |
| Total risk-based capital ratio | 220.8996% | 32 |
| Memoranda: | ||
| Average total assets | $101,830,000 | 5,128 |
| Average earning assets | $54,991,000 | 6,457 |
| Average equity | $68,573,000 | 979 |
| Average total loans | $4,520,000 | 8,120 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1476% | 8,211 |
| Cost of funding earning assets | 0.1063% | 8,262 |
| Net interest margin | 2.0413% | 8,043 |
| Noninterest income to average assets | 191.5751% | 7 |
| Noninterest expense to average assets | 172.7547% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 12.9611% | 16 |
| Return on assets (ROA) | 13.7351% | 16 |
| Pretax return on assets | 21.1364% | 15 |
| Return on Equity (ROE) | 22.4706% | 236 |
| Retained earnings to average equity (ytd only) | 22.4706% | 20 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2652% | 1,575 |
| Assets per employee ($millions) | 0.1750% | 8,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,224 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,558 |
| Noncurrent assets plus other real estate owned to assets | 0.0429% | 7,419 |
| Noncurrent loans to loans | 0.8998% | 4,825 |
| Net loans and leases to total assets | 4.7648% | 8,232 |
| Net loans and leases to deposits | 85.9223% | 4,130 |
| Net loans and leases to core deposits | 85.9223% | 6,137 |
| Total domestic deposits to total assets | 5.5454% | 8,276 |
| Equity capital to assets | 67.0585% | 47 |
| Core capital (leverage) ratio | 65.8724% | 47 |
| Tier 1 risk-based capital ratio | 199.5872% | 40 |
| Total risk-based capital ratio | 199.5872% | 40 |
| Memoranda: | ||
| Average total assets | $99,009,200 | 5,085 |
| Average earning assets | $54,573,600 | 6,383 |
| Average equity | $60,519,200 | 1,109 |
| Average total loans | $5,729,800 | 8,135 |