Home > Eaglemark Savings Bank > Performance and Condition Ratios
Eaglemark Savings 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 | 9.0408% | 89 |
| Cost of funding earning assets | 2.9419% | 365 |
| Net interest margin | 6.0989% | 82 |
| Noninterest income to average assets | 2.1500% | 241 |
| Noninterest expense to average assets | 2.6667% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 4.0585% | 93 |
| Return on assets (ROA) | 4.0585% | 94 |
| Pretax return on assets | 5.3401% | 85 |
| Return on Equity (ROE) | 22.5100% | 295 |
| Retained earnings to average equity (ytd only) | 22.5127% | 113 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 33.2963% | 4,378 |
| Assets per employee ($millions) | 7.7902% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0242% | 4,372 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 91.0500% | 18 |
| Net loans and leases to deposits | 126.4133% | 52 |
| Net loans and leases to core deposits | 179,268.6813% | 1 |
| Total domestic deposits to total assets | 72.0200% | 4,148 |
| Equity capital to assets | 18.6119% | 324 |
| Core capital (leverage) ratio | 19.0792% | 284 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.9010% | 675 |
| Memoranda: | ||
| Average total assets | $719,682,500 | 1,337 |
| Average earning assets | $691,797,500 | 1,304 |
| Average equity | $129,740,000 | 847 |
| Average total loans | $650,453,500 | 1,091 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.4277% | 88 |
| Cost of funding earning assets | 2.9713% | 524 |
| Net interest margin | 6.4564% | 69 |
| Noninterest income to average assets | 2.2000% | 230 |
| Noninterest expense to average assets | 2.7538% | 1,624 |
| Loan and lease loss provision to assets | 0.0100% | 2,986 |
| Net operating income to assets | 4.2414% | 84 |
| Return on assets (ROA) | 4.2414% | 88 |
| Pretax return on assets | 5.5990% | 84 |
| Return on Equity (ROE) | 25.0600% | 186 |
| Retained earnings to average equity (ytd only) | 25.0644% | 28 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 32.9461% | 4,401 |
| Assets per employee ($millions) | 8.0296% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0238% | 4,398 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 89.6800% | 40 |
| Net loans and leases to deposits | 117.0966% | 98 |
| Net loans and leases to core deposits | 27,553.4439% | 2 |
| Total domestic deposits to total assets | 76.5800% | 3,903 |
| Equity capital to assets | 17.4477% | 368 |
| Core capital (leverage) ratio | 17.5992% | 346 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.8476% | 782 |
| Memoranda: | ||
| Average total assets | $660,225,600 | 1,406 |
| Average earning assets | $629,624,600 | 1,368 |
| Average equity | $111,724,000 | 925 |
| Average total loans | $600,162,000 | 1,130 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3515% | 91 |
| Cost of funding earning assets | 2.8786% | 615 |
| Net interest margin | 6.4729% | 69 |
| Noninterest income to average assets | 2.2400% | 222 |
| Noninterest expense to average assets | 2.7865% | 1,483 |
| Loan and lease loss provision to assets | 0.0100% | 2,797 |
| Net operating income to assets | 4.2627% | 84 |
| Return on assets (ROA) | 4.2627% | 88 |
| Pretax return on assets | 5.6088% | 80 |
| Return on Equity (ROE) | 25.4100% | 192 |
| Retained earnings to average equity (ytd only) | 25.4113% | 46 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 33.1667% | 4,427 |
| Assets per employee ($millions) | 7.9523% | 1,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0225% | 4,431 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 91.2000% | 18 |
| Net loans and leases to deposits | 118.2759% | 86 |
| Net loans and leases to core deposits | 27,472.5589% | 2 |
| Total domestic deposits to total assets | 77.1100% | 3,823 |
| Equity capital to assets | 16.5843% | 451 |
| Core capital (leverage) ratio | 16.9546% | 409 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6954% | 972 |
| Memoranda: | ||
| Average total assets | $644,615,250 | 1,430 |
| Average earning assets | $613,516,500 | 1,399 |
| Average equity | $108,132,750 | 945 |
| Average total loans | $588,149,750 | 1,141 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2068% | 94 |
| Cost of funding earning assets | 2.6970% | 772 |
| Net interest margin | 6.5099% | 65 |
| Noninterest income to average assets | 2.3100% | 219 |
| Noninterest expense to average assets | 2.8477% | 1,365 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 4.2804% | 84 |
| Return on assets (ROA) | 4.2804% | 86 |
| Pretax return on assets | 5.6323% | 80 |
| Return on Equity (ROE) | 25.4100% | 207 |
| Retained earnings to average equity (ytd only) | 25.4063% | 59 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 33.5522% | 4,442 |
| Assets per employee ($millions) | 7.0993% | 2,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0228% | 4,449 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 91.9700% | 18 |
| Net loans and leases to deposits | 121.0965% | 87 |
| Net loans and leases to core deposits | 27,583.7753% | 3 |
| Total domestic deposits to total assets | 75.9500% | 3,903 |
| Equity capital to assets | 16.6896% | 419 |
| Core capital (leverage) ratio | 17.1826% | 380 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.6695% | 978 |
| Memoranda: | ||
| Average total assets | $620,917,333 | 1,475 |
| Average earning assets | $589,106,000 | 1,448 |
| Average equity | $104,612,000 | 967 |
| Average total loans | $566,568,000 | 1,172 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9706% | 99 |
| Cost of funding earning assets | 2.5739% | 876 |
| Net interest margin | 6.3967% | 90 |
| Noninterest income to average assets | 2.3700% | 211 |
| Noninterest expense to average assets | 2.8656% | 1,312 |
| Loan and lease loss provision to assets | 0.0100% | 2,366 |
| Net operating income to assets | 4.2087% | 91 |
| Return on assets (ROA) | 4.2087% | 91 |
| Pretax return on assets | 5.5378% | 83 |
| Return on Equity (ROE) | 24.8500% | 239 |
| Retained earnings to average equity (ytd only) | 24.8502% | 99 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 34.0679% | 4,432 |
| Assets per employee ($millions) | 6.3469% | 2,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0233% | 4,439 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 91.9400% | 15 |
| Net loans and leases to deposits | 124.8693% | 53 |
| Net loans and leases to core deposits | 24,218.6981% | 10 |
| Total domestic deposits to total assets | 73.6300% | 4,157 |
| Equity capital to assets | 17.3105% | 376 |
| Core capital (leverage) ratio | 17.6725% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2984% | 880 |
| Memoranda: | ||
| Average total assets | $597,709,500 | 1,528 |
| Average earning assets | $564,289,500 | 1,503 |
| Average equity | $101,230,500 | 986 |
| Average total loans | $542,912,500 | 1,210 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4923% | 101 |
| Cost of funding earning assets | 2.0729% | 813 |
| Net interest margin | 6.4194% | 83 |
| Noninterest income to average assets | 2.7300% | 194 |
| Noninterest expense to average assets | 3.2338% | 797 |
| Loan and lease loss provision to assets | 0.0100% | 2,964 |
| Net operating income to assets | 4.2012% | 94 |
| Return on assets (ROA) | 4.2012% | 95 |
| Pretax return on assets | 5.5916% | 83 |
| Return on Equity (ROE) | 26.2400% | 273 |
| Retained earnings to average equity (ytd only) | 26.2362% | 64 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 36.6163% | 4,427 |
| Assets per employee ($millions) | 5.9845% | 2,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0220% | 4,457 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 89.6600% | 39 |
| Net loans and leases to deposits | 117.9284% | 98 |
| Net loans and leases to core deposits | 24,457.3204% | 6 |
| Total domestic deposits to total assets | 76.0300% | 3,938 |
| Equity capital to assets | 16.5557% | 419 |
| Core capital (leverage) ratio | 16.5534% | 424 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8562% | 950 |
| Memoranda: | ||
| Average total assets | $539,419,600 | 1,643 |
| Average earning assets | $512,819,200 | 1,597 |
| Average equity | $86,377,000 | 1,067 |
| Average total loans | $475,707,600 | 1,285 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2413% | 103 |
| Cost of funding earning assets | 1.8619% | 912 |
| Net interest margin | 6.3794% | 81 |
| Noninterest income to average assets | 2.7800% | 206 |
| Noninterest expense to average assets | 3.2882% | 736 |
| Loan and lease loss provision to assets | 0.0100% | 2,772 |
| Net operating income to assets | 4.2115% | 105 |
| Return on assets (ROA) | 4.2115% | 103 |
| Pretax return on assets | 5.5488% | 89 |
| Return on Equity (ROE) | 26.5500% | 327 |
| Retained earnings to average equity (ytd only) | 26.5542% | 122 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 37.1677% | 4,424 |
| Assets per employee ($millions) | 6.1614% | 2,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0220% | 4,481 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 90.7600% | 29 |
| Net loans and leases to deposits | 114.9626% | 122 |
| Net loans and leases to core deposits | 25,846.4519% | 3 |
| Total domestic deposits to total assets | 78.9500% | 3,704 |
| Equity capital to assets | 15.0898% | 531 |
| Core capital (leverage) ratio | 15.2543% | 592 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.1680% | 1,277 |
| Memoranda: | ||
| Average total assets | $526,159,000 | 1,673 |
| Average earning assets | $499,970,750 | 1,633 |
| Average equity | $83,449,750 | 1,091 |
| Average total loans | $461,802,000 | 1,317 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7558% | 117 |
| Cost of funding earning assets | 1.4184% | 1,398 |
| Net interest margin | 6.3374% | 86 |
| Noninterest income to average assets | 2.9000% | 178 |
| Noninterest expense to average assets | 3.3371% | 660 |
| Loan and lease loss provision to assets | 0.0100% | 2,681 |
| Net operating income to assets | 4.2202% | 92 |
| Return on assets (ROA) | 4.2202% | 93 |
| Pretax return on assets | 5.5602% | 81 |
| Return on Equity (ROE) | 26.0900% | 328 |
| Retained earnings to average equity (ytd only) | 26.0917% | 109 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 37.4628% | 4,441 |
| Assets per employee ($millions) | 5.9909% | 2,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0214% | 4,516 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 88.6400% | 67 |
| Net loans and leases to deposits | 115.1845% | 130 |
| Net loans and leases to core deposits | 23,676.9624% | 3 |
| Total domestic deposits to total assets | 76.9500% | 3,956 |
| Equity capital to assets | 14.9424% | 531 |
| Core capital (leverage) ratio | 16.2202% | 454 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.3168% | 1,260 |
| Memoranda: | ||
| Average total assets | $498,220,333 | 1,733 |
| Average earning assets | $472,084,000 | 1,706 |
| Average equity | $80,585,000 | 1,114 |
| Average total loans | $431,151,667 | 1,371 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3251% | 90 |
| Cost of funding earning assets | 0.9526% | 2,209 |
| Net interest margin | 6.3724% | 79 |
| Noninterest income to average assets | 3.0500% | 169 |
| Noninterest expense to average assets | 3.4687% | 562 |
| Loan and lease loss provision to assets | 0.0100% | 2,408 |
| Net operating income to assets | 4.2682% | 91 |
| Return on assets (ROA) | 4.2682% | 89 |
| Pretax return on assets | 5.5793% | 83 |
| Return on Equity (ROE) | 25.1900% | 396 |
| Retained earnings to average equity (ytd only) | 25.1884% | 174 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 38.2960% | 4,482 |
| Assets per employee ($millions) | 5.1282% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0226% | 4,579 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 83.6300% | 262 |
| Net loans and leases to deposits | 111.8330% | 157 |
| Net loans and leases to core deposits | 19,276.3670% | 3 |
| Total domestic deposits to total assets | 74.7800% | 4,245 |
| Equity capital to assets | 16.1488% | 394 |
| Core capital (leverage) ratio | 18.2016% | 337 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.4250% | 922 |
| Memoranda: | ||
| Average total assets | $459,769,000 | 1,853 |
| Average earning assets | $433,743,500 | 1,822 |
| Average equity | $77,909,000 | 1,153 |
| Average total loans | $391,790,500 | 1,493 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5536% | 65 |
| Cost of funding earning assets | 0.7440% | 484 |
| Net interest margin | 5.8096% | 62 |
| Noninterest income to average assets | 3.4100% | 161 |
| Noninterest expense to average assets | 3.7620% | 399 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 3.7209% | 84 |
| Return on assets (ROA) | 3.7209% | 81 |
| Pretax return on assets | 4.8836% | 75 |
| Return on Equity (ROE) | 24.5200% | 228 |
| Retained earnings to average equity (ytd only) | 24.5164% | 48 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 43.5134% | 4,441 |
| Assets per employee ($millions) | 4.3516% | 4,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 87.0700% | 103 |
| Net loans and leases to deposits | 114.8160% | 108 |
| Net loans and leases to core deposits | 16,666.8027% | 3 |
| Total domestic deposits to total assets | 75.8300% | 4,266 |
| Equity capital to assets | 17.8839% | 296 |
| Core capital (leverage) ratio | 17.5623% | 351 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.7347% | 752 |
| Memoranda: | ||
| Average total assets | $441,150,800 | 1,885 |
| Average earning assets | $397,826,600 | 1,925 |
| Average equity | $66,955,200 | 1,292 |
| Average total loans | $332,626,600 | 1,596 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2444% | 64 |
| Cost of funding earning assets | 0.6951% | 277 |
| Net interest margin | 5.5493% | 70 |
| Noninterest income to average assets | 3.4800% | 166 |
| Noninterest expense to average assets | 3.7944% | 376 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 3.5779% | 90 |
| Return on assets (ROA) | 3.5779% | 85 |
| Pretax return on assets | 4.6465% | 77 |
| Return on Equity (ROE) | 24.6100% | 197 |
| Retained earnings to average equity (ytd only) | 24.6124% | 48 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 44.9522% | 4,429 |
| Assets per employee ($millions) | 4.8287% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 77.3300% | 770 |
| Net loans and leases to deposits | 102.0390% | 303 |
| Net loans and leases to core deposits | 14,841.5481% | 4 |
| Total domestic deposits to total assets | 75.7800% | 4,378 |
| Equity capital to assets | 15.4861% | 411 |
| Core capital (leverage) ratio | 15.3778% | 506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.7133% | 891 |
| Memoranda: | ||
| Average total assets | $445,913,250 | 1,873 |
| Average earning assets | $398,407,500 | 1,936 |
| Average equity | $64,822,000 | 1,335 |
| Average total loans | $323,907,500 | 1,620 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0133% | 72 |
| Cost of funding earning assets | 0.6150% | 247 |
| Net interest margin | 5.3983% | 79 |
| Noninterest income to average assets | 3.5590% | 130 |
| Noninterest expense to average assets | 3.8438% | 311 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 3.4227% | 57 |
| Return on assets (ROA) | 3.4227% | 54 |
| Pretax return on assets | 4.4452% | 45 |
| Return on Equity (ROE) | 24.0894% | 138 |
| Retained earnings to average equity (ytd only) | 24.0894% | 42 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3724% | 4,435 |
| Assets per employee ($millions) | 4.6494% | 3,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 72.6796% | 1,041 |
| Net loans and leases to deposits | 96.9221% | 388 |
| Net loans and leases to core deposits | 14,336.6992% | 5 |
| Total domestic deposits to total assets | 74.9877% | 4,507 |
| Equity capital to assets | 14.3311% | 479 |
| Core capital (leverage) ratio | 14.4729% | 543 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.1654% | 969 |
| Memoranda: | ||
| Average total assets | $441,641,667 | 1,897 |
| Average earning assets | $386,972,333 | 1,993 |
| Average equity | $62,749,667 | 1,394 |
| Average total loans | $313,639,000 | 1,655 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8478% | 75 |
| Cost of funding earning assets | 0.5145% | 461 |
| Net interest margin | 5.3333% | 80 |
| Noninterest income to average assets | 3.5805% | 137 |
| Noninterest expense to average assets | 3.8698% | 305 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 3.2298% | 65 |
| Return on assets (ROA) | 3.2298% | 63 |
| Pretax return on assets | 4.1945% | 56 |
| Return on Equity (ROE) | 22.8387% | 130 |
| Retained earnings to average equity (ytd only) | 22.8387% | 63 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9871% | 4,403 |
| Assets per employee ($millions) | 4.9068% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 66.0147% | 1,407 |
| Net loans and leases to deposits | 89.5457% | 533 |
| Net loans and leases to core deposits | 13,625.5854% | 4 |
| Total domestic deposits to total assets | 73.7218% | 4,579 |
| Equity capital to assets | 13.1407% | 662 |
| Core capital (leverage) ratio | 15.2596% | 404 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.8383% | 1,072 |
| Memoranda: | ||
| Average total assets | $429,993,000 | 1,949 |
| Average earning assets | $361,500,500 | 2,107 |
| Average equity | $60,809,000 | 1,462 |
| Average total loans | $301,500,500 | 1,696 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8063% | 28 |
| Cost of funding earning assets | 0.3384% | 2,037 |
| Net interest margin | 7.4679% | 25 |
| Noninterest income to average assets | 3.5209% | 158 |
| Noninterest expense to average assets | 5.2085% | 166 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 3.7433% | 66 |
| Return on assets (ROA) | 3.7433% | 69 |
| Pretax return on assets | 4.9061% | 58 |
| Return on Equity (ROE) | 28.0592% | 86 |
| Retained earnings to average equity (ytd only) | 28.0592% | 17 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4950% | 4,159 |
| Assets per employee ($millions) | 3.7649% | 4,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 75.2027% | 571 |
| Net loans and leases to deposits | 98.5887% | 228 |
| Net loans and leases to core deposits | 13,732.5250% | 5 |
| Total domestic deposits to total assets | 76.2792% | 4,496 |
| Equity capital to assets | 15.3827% | 449 |
| Core capital (leverage) ratio | 15.3623% | 420 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6256% | 946 |
| Memoranda: | ||
| Average total assets | $304,864,600 | 2,411 |
| Average earning assets | $269,179,600 | 2,494 |
| Average equity | $40,671,200 | 2,061 |
| Average total loans | $226,579,600 | 2,068 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9166% | 27 |
| Cost of funding earning assets | 0.3038% | 2,558 |
| Net interest margin | 7.6128% | 25 |
| Noninterest income to average assets | 3.9937% | 139 |
| Noninterest expense to average assets | 5.6648% | 137 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.8389% | 72 |
| Return on assets (ROA) | 3.8389% | 73 |
| Pretax return on assets | 4.9857% | 65 |
| Return on Equity (ROE) | 30.3396% | 90 |
| Retained earnings to average equity (ytd only) | 30.3396% | 27 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1881% | 3,904 |
| Assets per employee ($millions) | 3.8486% | 4,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 74.5439% | 650 |
| Net loans and leases to deposits | 98.9442% | 249 |
| Net loans and leases to core deposits | 13,930.6731% | 4 |
| Total domestic deposits to total assets | 75.3393% | 4,584 |
| Equity capital to assets | 14.3730% | 656 |
| Core capital (leverage) ratio | 14.4213% | 572 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.5584% | 1,234 |
| Memoranda: | ||
| Average total assets | $285,075,250 | 2,528 |
| Average earning assets | $249,275,750 | 2,645 |
| Average equity | $36,070,750 | 2,273 |
| Average total loans | $211,025,750 | 2,195 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5604% | 32 |
| Cost of funding earning assets | 0.2382% | 3,398 |
| Net interest margin | 7.3222% | 28 |
| Noninterest income to average assets | 4.7651% | 120 |
| Noninterest expense to average assets | 6.2970% | 116 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.6770% | 82 |
| Return on assets (ROA) | 3.6770% | 82 |
| Pretax return on assets | 4.7747% | 68 |
| Return on Equity (ROE) | 31.2575% | 85 |
| Retained earnings to average equity (ytd only) | 31.2575% | 32 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8750% | 3,422 |
| Assets per employee ($millions) | 3.2629% | 4,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 78.7603% | 393 |
| Net loans and leases to deposits | 108.8012% | 124 |
| Net loans and leases to core deposits | 12,364.7594% | 5 |
| Total domestic deposits to total assets | 72.3892% | 4,702 |
| Equity capital to assets | 12.9126% | 971 |
| Core capital (leverage) ratio | 19.3921% | 200 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0975% | 1,941 |
| Memoranda: | ||
| Average total assets | $250,531,000 | 2,741 |
| Average earning assets | $215,781,667 | 2,866 |
| Average equity | $29,471,333 | 2,603 |
| Average total loans | $184,781,667 | 2,397 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8155% | 53 |
| Cost of funding earning assets | 0.1441% | 4,346 |
| Net interest margin | 6.6714% | 42 |
| Noninterest income to average assets | 5.7687% | 109 |
| Noninterest expense to average assets | 7.7512% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 2.7221% | 195 |
| Return on assets (ROA) | 2.7221% | 220 |
| Pretax return on assets | 3.5356% | 143 |
| Return on Equity (ROE) | 25.4520% | 243 |
| Retained earnings to average equity (ytd only) | 25.4520% | 132 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6749% | 1,852 |
| Assets per employee ($millions) | 2.4618% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 70.1442% | 1,267 |
| Net loans and leases to deposits | 123.4032% | 54 |
| Net loans and leases to core deposits | 8,824.8619% | 5 |
| Total domestic deposits to total assets | 56.8415% | 4,902 |
| Equity capital to assets | 10.6075% | 2,165 |
| Core capital (leverage) ratio | 16.8361% | 322 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4701% | 2,504 |
| Memoranda: | ||
| Average total assets | $194,706,000 | 3,126 |
| Average earning assets | $161,045,000 | 3,298 |
| Average equity | $20,823,500 | 3,168 |
| Average total loans | $134,545,000 | 2,844 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8642% | 16 |
| Cost of funding earning assets | 0.1187% | 4,818 |
| Net interest margin | 9.7455% | 15 |
| Noninterest income to average assets | 19.1916% | 43 |
| Noninterest expense to average assets | 19.1680% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 5.2771% | 40 |
| Return on assets (ROA) | 5.2771% | 39 |
| Pretax return on assets | 6.6983% | 36 |
| Return on Equity (ROE) | 37.4349% | 40 |
| Retained earnings to average equity (ytd only) | 31.7429% | 24 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1041% | 1,430 |
| Assets per employee ($millions) | 1.1062% | 4,959 |
| Cash dividends to net income (ytd only)* | 15.2050% | 3,418 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 66.6489% | 1,999 |
| Net loans and leases to deposits | 93.8659% | 662 |
| Net loans and leases to core deposits | 3,855.2789% | 7 |
| Total domestic deposits to total assets | 71.0044% | 4,752 |
| Equity capital to assets | 10.9004% | 2,341 |
| Core capital (leverage) ratio | 12.5681% | 1,019 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2166% | 2,158 |
| Memoranda: | ||
| Average total assets | $76,273,000 | 4,288 |
| Average earning assets | $52,239,600 | 4,553 |
| Average equity | $10,752,000 | 4,114 |
| Average total loans | $34,039,600 | 4,430 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.1951% | 14 |
| Cost of funding earning assets | 0.1124% | 4,898 |
| Net interest margin | 11.0827% | 13 |
| Noninterest income to average assets | 23.4452% | 40 |
| Noninterest expense to average assets | 22.4860% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 6.3786% | 34 |
| Return on assets (ROA) | 6.3786% | 33 |
| Pretax return on assets | 8.0959% | 34 |
| Return on Equity (ROE) | 41.1614% | 32 |
| Retained earnings to average equity (ytd only) | 33.2198% | 28 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5271% | 1,457 |
| Assets per employee ($millions) | 0.7189% | 5,004 |
| Cash dividends to net income (ytd only)* | 19.2938% | 2,815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 46.1837% | 4,306 |
| Net loans and leases to deposits | 114.0386% | 169 |
| Net loans and leases to core deposits | 1,761.6296% | 7 |
| Total domestic deposits to total assets | 40.4982% | 4,993 |
| Equity capital to assets | 14.6643% | 702 |
| Core capital (leverage) ratio | 15.8842% | 429 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.4250% | 433 |
| Memoranda: | ||
| Average total assets | $66,303,250 | 4,449 |
| Average earning assets | $42,696,000 | 4,710 |
| Average equity | $10,274,750 | 4,183 |
| Average total loans | $23,196,000 | 4,687 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4300% | 14 |
| Cost of funding earning assets | 0.1109% | 4,953 |
| Net interest margin | 11.3191% | 13 |
| Noninterest income to average assets | 25.9959% | 34 |
| Noninterest expense to average assets | 24.6834% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 6.5201% | 25 |
| Return on assets (ROA) | 6.5201% | 25 |
| Pretax return on assets | 8.2744% | 25 |
| Return on Equity (ROE) | 41.1116% | 29 |
| Retained earnings to average equity (ytd only) | 28.5753% | 33 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8940% | 1,379 |
| Assets per employee ($millions) | 0.7462% | 5,037 |
| Cash dividends to net income (ytd only)* | 30.4933% | 2,349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 38.1169% | 4,664 |
| Net loans and leases to deposits | 160.4687% | 16 |
| Net loans and leases to core deposits | 1,484.2997% | 8 |
| Total domestic deposits to total assets | 23.7535% | 5,042 |
| Equity capital to assets | 12.1906% | 1,542 |
| Core capital (leverage) ratio | 19.7422% | 218 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.7775% | 518 |
| Memoranda: | ||
| Average total assets | $61,563,667 | 4,519 |
| Average earning assets | $37,865,333 | 4,789 |
| Average equity | $9,763,667 | 4,246 |
| Average total loans | $18,532,000 | 4,801 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7033% | 19 |
| Cost of funding earning assets | 0.1459% | 4,975 |
| Net interest margin | 10.5574% | 17 |
| Noninterest income to average assets | 36.4406% | 24 |
| Noninterest expense to average assets | 34.8140% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 6.2761% | 26 |
| Return on assets (ROA) | 6.2761% | 26 |
| Pretax return on assets | 8.1654% | 23 |
| Return on Equity (ROE) | 32.7756% | 28 |
| Retained earnings to average equity (ytd only) | 6.5208% | 1,709 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0015% | 1,042 |
| Assets per employee ($millions) | 0.4272% | 5,095 |
| Cash dividends to net income (ytd only)* | 80.1047% | 1,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 20.4299% | 5,007 |
| Net loans and leases to deposits | 422.2311% | 2 |
| Net loans and leases to core deposits | 527.7361% | 10 |
| Total domestic deposits to total assets | 4.8386% | 5,101 |
| Equity capital to assets | 18.1857% | 337 |
| Core capital (leverage) ratio | 23.5873% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.3259% | 139 |
| Memoranda: | ||
| Average total assets | $48,693,000 | 4,730 |
| Average earning assets | $30,159,000 | 4,935 |
| Average equity | $9,324,000 | 4,327 |
| Average total loans | $11,159,000 | 4,980 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6339% | 18 |
| Cost of funding earning assets | 0.2123% | 4,933 |
| Net interest margin | 11.4217% | 16 |
| Noninterest income to average assets | 39.7997% | 25 |
| Noninterest expense to average assets | 37.3663% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 8.9517% | 21 |
| Return on assets (ROA) | 8.9517% | 22 |
| Pretax return on assets | 11.6211% | 22 |
| Return on Equity (ROE) | 41.1672% | 17 |
| Retained earnings to average equity (ytd only) | -6.5305% | 5,020 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2774% | 1,329 |
| Assets per employee ($millions) | 0.3685% | 5,158 |
| Cash dividends to net income (ytd only)* | 115.8635% | 194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 25.7304% | 5,024 |
| Net loans and leases to deposits | 464.0095% | 2 |
| Net loans and leases to core deposits | 578.0728% | 11 |
| Total domestic deposits to total assets | 5.5452% | 5,160 |
| Equity capital to assets | 20.2377% | 247 |
| Core capital (leverage) ratio | 28.2433% | 80 |
| Tier 1 risk-based capital ratio | 41.6633% | 222 |
| Total risk-based capital ratio | 41.6633% | 233 |
| Memoranda: | ||
| Average total assets | $44,505,400 | 4,839 |
| Average earning assets | $35,800,400 | 4,898 |
| Average equity | $9,677,600 | 4,287 |
| Average total loans | $16,200,400 | 4,943 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3928% | 16 |
| Cost of funding earning assets | 0.2323% | 4,968 |
| Net interest margin | 12.1605% | 13 |
| Noninterest income to average assets | 40.3421% | 24 |
| Noninterest expense to average assets | 37.5643% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 10.0463% | 18 |
| Return on assets (ROA) | 10.0463% | 19 |
| Pretax return on assets | 13.0412% | 19 |
| Return on Equity (ROE) | 45.3880% | 15 |
| Retained earnings to average equity (ytd only) | -1.5125% | 4,898 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2297% | 1,532 |
| Assets per employee ($millions) | 0.4308% | 5,235 |
| Cash dividends to net income (ytd only)* | 103.3324% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 47.0719% | 4,545 |
| Net loans and leases to deposits | 974.5349% | 3 |
| Net loans and leases to core deposits | 1,208.7981% | 8 |
| Total domestic deposits to total assets | 4.8302% | 5,244 |
| Equity capital to assets | 18.2892% | 369 |
| Core capital (leverage) ratio | 24.0996% | 137 |
| Tier 1 risk-based capital ratio | 28.9469% | 517 |
| Total risk-based capital ratio | 28.9469% | 581 |
| Memoranda: | ||
| Average total assets | $44,207,500 | 4,911 |
| Average earning assets | $37,311,000 | 4,948 |
| Average equity | $9,785,000 | 4,315 |
| Average total loans | $17,311,000 | 4,998 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.0777% | 14 |
| Cost of funding earning assets | 0.2997% | 4,831 |
| Net interest margin | 12.7780% | 11 |
| Noninterest income to average assets | 43.4093% | 23 |
| Noninterest expense to average assets | 40.2103% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 10.7685% | 15 |
| Return on assets (ROA) | 10.7685% | 17 |
| Pretax return on assets | 13.9771% | 17 |
| Return on Equity (ROE) | 45.2487% | 14 |
| Retained earnings to average equity (ytd only) | 2.8191% | 3,802 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2060% | 1,620 |
| Assets per employee ($millions) | 0.3147% | 5,286 |
| Cash dividends to net income (ytd only)* | 93.7698% | 538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 32.0243% | 5,073 |
| Net loans and leases to deposits | 489.1476% | 3 |
| Net loans and leases to core deposits | 609.3904% | 10 |
| Total domestic deposits to total assets | 6.5470% | 5,287 |
| Equity capital to assets | 25.8830% | 114 |
| Core capital (leverage) ratio | 23.1577% | 147 |
| Tier 1 risk-based capital ratio | 52.7402% | 120 |
| Total risk-based capital ratio | 52.7402% | 125 |
| Memoranda: | ||
| Average total assets | $41,138,670 | 4,986 |
| Average earning assets | $34,700,330 | 5,031 |
| Average equity | $9,790,330 | 4,329 |
| Average total loans | $14,700,330 | 5,092 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0187% | 23 |
| Cost of funding earning assets | 0.4240% | 4,385 |
| Net interest margin | 9.5947% | 19 |
| Noninterest income to average assets | 40.8164% | 22 |
| Noninterest expense to average assets | 37.8416% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 8.5467% | 22 |
| Return on assets (ROA) | 8.5467% | 24 |
| Pretax return on assets | 11.0966% | 24 |
| Return on Equity (ROE) | 37.4102% | 28 |
| Retained earnings to average equity (ytd only) | -16.8243% | 5,231 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3254% | 1,345 |
| Assets per employee ($millions) | 0.3547% | 5,343 |
| Cash dividends to net income (ytd only)* | 144.9724% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 36.5822% | 4,999 |
| Net loans and leases to deposits | 646.1355% | 3 |
| Net loans and leases to core deposits | 806.8657% | 9 |
| Total domestic deposits to total assets | 5.6617% | 5,347 |
| Equity capital to assets | 21.3678% | 185 |
| Core capital (leverage) ratio | 28.2574% | 80 |
| Tier 1 risk-based capital ratio | 41.2605% | 220 |
| Total risk-based capital ratio | 41.2605% | 234 |
| Memoranda: | ||
| Average total assets | $42,355,500 | 5,028 |
| Average earning assets | $35,853,000 | 5,064 |
| Average equity | $9,676,500 | 4,375 |
| Average total loans | $15,853,000 | 5,129 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9762% | 10 |
| Cost of funding earning assets | 0.3966% | 4,002 |
| Net interest margin | 12.5796% | 9 |
| Noninterest income to average assets | 46.6436% | 22 |
| Noninterest expense to average assets | 44.1149% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 9.8278% | 17 |
| Return on assets (ROA) | 9.8278% | 17 |
| Pretax return on assets | 12.7734% | 17 |
| Return on Equity (ROE) | 37.7967% | 16 |
| Retained earnings to average equity (ytd only) | 12.0822% | 315 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5465% | 1,180 |
| Assets per employee ($millions) | 0.3179% | 5,388 |
| Cash dividends to net income (ytd only)* | 68.0337% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 38.3575% | 5,002 |
| Net loans and leases to deposits | 523.9513% | 3 |
| Net loans and leases to core deposits | 630.6189% | 12 |
| Total domestic deposits to total assets | 7.3208% | 5,387 |
| Equity capital to assets | 24.4688% | 116 |
| Core capital (leverage) ratio | 32.7434% | 61 |
| Tier 1 risk-based capital ratio | 46.2850% | 162 |
| Total risk-based capital ratio | 46.2850% | 172 |
| Memoranda: | ||
| Average total assets | $36,223,600 | 5,155 |
| Average earning assets | $29,500,200 | 5,202 |
| Average equity | $9,418,800 | 4,396 |
| Average total loans | $11,700,200 | 5,254 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.7979% | 9 |
| Cost of funding earning assets | 0.4095% | 3,794 |
| Net interest margin | 14.3884% | 7 |
| Noninterest income to average assets | 48.6294% | 22 |
| Noninterest expense to average assets | 45.4766% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 11.2394% | 14 |
| Return on assets (ROA) | 11.2394% | 14 |
| Pretax return on assets | 14.6043% | 15 |
| Return on Equity (ROE) | 42.5063% | 14 |
| Retained earnings to average equity (ytd only) | 7.7962% | 1,748 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6922% | 1,389 |
| Assets per employee ($millions) | 0.2892% | 5,460 |
| Cash dividends to net income (ytd only)* | 81.6587% | 541 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 31.0224% | 5,256 |
| Net loans and leases to deposits | 383.8509% | 3 |
| Net loans and leases to core deposits | 463.8866% | 14 |
| Total domestic deposits to total assets | 8.0819% | 5,460 |
| Equity capital to assets | 25.8966% | 100 |
| Core capital (leverage) ratio | 23.0565% | 137 |
| Tier 1 risk-based capital ratio | 53.8381% | 114 |
| Total risk-based capital ratio | 53.8381% | 120 |
| Memoranda: | ||
| Average total assets | $35,185,000 | 5,237 |
| Average earning assets | $28,003,250 | 5,293 |
| Average equity | $9,303,500 | 4,456 |
| Average total loans | $10,753,250 | 5,337 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.9093% | 8 |
| Cost of funding earning assets | 0.3931% | 3,774 |
| Net interest margin | 14.5162% | 7 |
| Noninterest income to average assets | 48.4602% | 22 |
| Noninterest expense to average assets | 45.2680% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 11.0696% | 14 |
| Return on assets (ROA) | 11.0696% | 14 |
| Pretax return on assets | 14.3876% | 16 |
| Return on Equity (ROE) | 41.5712% | 16 |
| Retained earnings to average equity (ytd only) | 31.1086% | 10 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8822% | 1,439 |
| Assets per employee ($millions) | 0.3556% | 5,520 |
| Cash dividends to net income (ytd only)* | 25.1680% | 2,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 32.2471% | 5,284 |
| Net loans and leases to deposits | 470.9723% | 3 |
| Net loans and leases to core deposits | 571.2218% | 13 |
| Total domestic deposits to total assets | 6.8469% | 5,524 |
| Equity capital to assets | 24.4893% | 117 |
| Core capital (leverage) ratio | 22.3583% | 152 |
| Tier 1 risk-based capital ratio | 50.6184% | 128 |
| Total risk-based capital ratio | 50.6184% | 138 |
| Memoranda: | ||
| Average total assets | $34,960,670 | 5,307 |
| Average earning assets | $26,963,000 | 5,372 |
| Average equity | $9,309,330 | 4,493 |
| Average total loans | $10,629,670 | 5,400 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9595% | 10 |
| Cost of funding earning assets | 0.4382% | 3,304 |
| Net interest margin | 12.5213% | 9 |
| Noninterest income to average assets | 51.7638% | 20 |
| Noninterest expense to average assets | 48.7799% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 9.3691% | 18 |
| Return on assets (ROA) | 9.3691% | 17 |
| Pretax return on assets | 12.3783% | 16 |
| Return on Equity (ROE) | 33.4198% | 30 |
| Retained earnings to average equity (ytd only) | 11.4556% | 795 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7602% | 1,166 |
| Assets per employee ($millions) | 0.3169% | 5,582 |
| Cash dividends to net income (ytd only)* | 65.7220% | 1,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 32.3460% | 5,315 |
| Net loans and leases to deposits | 449.7842% | 3 |
| Net loans and leases to core deposits | 548.4211% | 15 |
| Total domestic deposits to total assets | 7.1915% | 5,588 |
| Equity capital to assets | 23.2713% | 134 |
| Core capital (leverage) ratio | 28.3911% | 74 |
| Tier 1 risk-based capital ratio | 46.5969% | 157 |
| Total risk-based capital ratio | 46.5969% | 166 |
| Memoranda: | ||
| Average total assets | $31,636,000 | 5,411 |
| Average earning assets | $23,735,500 | 5,469 |
| Average equity | $8,869,000 | 4,599 |
| Average total loans | $9,235,500 | 5,486 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4196% | 9 |
| Cost of funding earning assets | 0.4064% | 3,190 |
| Net interest margin | 14.0132% | 8 |
| Noninterest income to average assets | 46.6595% | 22 |
| Noninterest expense to average assets | 43.6870% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 8.7350% | 17 |
| Return on assets (ROA) | 8.7350% | 17 |
| Pretax return on assets | 13.6842% | 17 |
| Return on Equity (ROE) | 30.9212% | 31 |
| Retained earnings to average equity (ytd only) | 5.2506% | 1,964 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1480% | 1,596 |
| Assets per employee ($millions) | 0.2001% | 5,655 |
| Cash dividends to net income (ytd only)* | 83.0195% | 732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 24.2413% | 5,528 |
| Net loans and leases to deposits | 218.5714% | 4 |
| Net loans and leases to core deposits | 267.5785% | 28 |
| Total domestic deposits to total assets | 11.0908% | 5,652 |
| Equity capital to assets | 35.5149% | 54 |
| Core capital (leverage) ratio | 32.1740% | 57 |
| Tier 1 risk-based capital ratio | 76.7785% | 52 |
| Total risk-based capital ratio | 76.7785% | 54 |
| Memoranda: | ||
| Average total assets | $32,833,600 | 5,453 |
| Average earning assets | $25,097,800 | 5,506 |
| Average equity | $9,275,200 | 4,567 |
| Average total loans | $10,497,800 | 5,529 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.1623% | 7 |
| Cost of funding earning assets | 0.3942% | 3,259 |
| Net interest margin | 14.7681% | 6 |
| Noninterest income to average assets | 43.9831% | 26 |
| Noninterest expense to average assets | 40.8647% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 9.0993% | 19 |
| Return on assets (ROA) | 9.0993% | 19 |
| Pretax return on assets | 14.2853% | 20 |
| Return on Equity (ROE) | 33.7417% | 24 |
| Retained earnings to average equity (ytd only) | 33.7417% | 12 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0974% | 1,878 |
| Assets per employee ($millions) | 0.2760% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 31.6632% | 5,465 |
| Net loans and leases to deposits | 362.6190% | 3 |
| Net loans and leases to core deposits | 436.9262% | 16 |
| Total domestic deposits to total assets | 8.7318% | 5,718 |
| Equity capital to assets | 31.5890% | 58 |
| Core capital (leverage) ratio | 28.7250% | 66 |
| Tier 1 risk-based capital ratio | 65.4523% | 73 |
| Total risk-based capital ratio | 65.4523% | 74 |
| Memoranda: | ||
| Average total assets | $34,888,250 | 5,472 |
| Average earning assets | $26,380,500 | 5,553 |
| Average equity | $9,408,500 | 4,587 |
| Average total loans | $11,630,500 | 5,568 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.8614% | 6 |
| Cost of funding earning assets | 0.4248% | 2,853 |
| Net interest margin | 15.4366% | 6 |
| Noninterest income to average assets | 43.8767% | 26 |
| Noninterest expense to average assets | 40.7261% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 8.9589% | 22 |
| Return on assets (ROA) | 8.9589% | 22 |
| Pretax return on assets | 14.0646% | 20 |
| Return on Equity (ROE) | 35.1359% | 24 |
| Retained earnings to average equity (ytd only) | 35.1359% | 14 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3303% | 1,955 |
| Assets per employee ($millions) | 0.3478% | 5,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 38.2290% | 5,295 |
| Net loans and leases to deposits | 553.6389% | 3 |
| Net loans and leases to core deposits | 671.0348% | 15 |
| Total domestic deposits to total assets | 6.9050% | 5,772 |
| Equity capital to assets | 23.7642% | 119 |
| Core capital (leverage) ratio | 24.1950% | 110 |
| Tier 1 risk-based capital ratio | 44.7905% | 167 |
| Total risk-based capital ratio | 44.7905% | 171 |
| Memoranda: | ||
| Average total assets | $35,294,330 | 5,518 |
| Average earning assets | $24,953,670 | 5,619 |
| Average equity | $8,999,330 | 4,680 |
| Average total loans | $11,953,670 | 5,614 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.5582% | 6 |
| Cost of funding earning assets | 0.5943% | 1,416 |
| Net interest margin | 15.9639% | 6 |
| Noninterest income to average assets | 46.9880% | 23 |
| Noninterest expense to average assets | 43.9490% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 8.0877% | 26 |
| Return on assets (ROA) | 8.0877% | 26 |
| Pretax return on assets | 12.7022% | 20 |
| Return on Equity (ROE) | 30.3927% | 45 |
| Retained earnings to average equity (ytd only) | 30.3927% | 30 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5783% | 1,692 |
| Assets per employee ($millions) | 0.3242% | 5,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 33.4967% | 5,485 |
| Net loans and leases to deposits | 455.7672% | 4 |
| Net loans and leases to core deposits | 553.3619% | 17 |
| Total domestic deposits to total assets | 7.3495% | 5,837 |
| Equity capital to assets | 23.0907% | 131 |
| Core capital (leverage) ratio | 26.5809% | 85 |
| Tier 1 risk-based capital ratio | 45.3052% | 167 |
| Total risk-based capital ratio | 45.3052% | 171 |
| Memoranda: | ||
| Average total assets | $32,246,500 | 5,637 |
| Average earning assets | $19,519,000 | 5,758 |
| Average equity | $8,581,000 | 4,800 |
| Average total loans | $10,019,000 | 5,712 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 28.9721% | 1 |
| Cost of funding earning assets | 0.5844% | 1,459 |
| Net interest margin | 28.3878% | 1 |
| Noninterest income to average assets | 51.1051% | 23 |
| Noninterest expense to average assets | 47.9628% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 9.0607% | 17 |
| Return on assets (ROA) | 9.0607% | 18 |
| Pretax return on assets | 14.2229% | 18 |
| Return on Equity (ROE) | 42.6641% | 12 |
| Retained earnings to average equity (ytd only) | 25.3526% | 24 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1284% | 1,825 |
| Assets per employee ($millions) | 0.2125% | 5,899 |
| Cash dividends to net income (ytd only)* | 40.5763% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 27.4586% | 5,696 |
| Net loans and leases to deposits | 267.5564% | 7 |
| Net loans and leases to core deposits | 329.4907% | 24 |
| Total domestic deposits to total assets | 10.2627% | 5,894 |
| Equity capital to assets | 31.8492% | 61 |
| Core capital (leverage) ratio | 31.2240% | 62 |
| Tier 1 risk-based capital ratio | 66.4386% | 67 |
| Total risk-based capital ratio | 66.4386% | 69 |
| Memoranda: | ||
| Average total assets | $33,319,600 | 5,662 |
| Average earning assets | $13,005,600 | 5,874 |
| Average equity | $7,076,200 | 5,078 |
| Average total loans | $11,685,600 | 5,735 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 29.2027% | 1 |
| Cost of funding earning assets | 0.4052% | 2,969 |
| Net interest margin | 28.7975% | 1 |
| Noninterest income to average assets | 50.1858% | 23 |
| Noninterest expense to average assets | 46.9483% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 9.6141% | 18 |
| Return on assets (ROA) | 9.6141% | 19 |
| Pretax return on assets | 15.0921% | 18 |
| Return on Equity (ROE) | 49.8599% | 9 |
| Retained earnings to average equity (ytd only) | 25.7754% | 24 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6737% | 2,026 |
| Assets per employee ($millions) | 0.2599% | 5,963 |
| Cash dividends to net income (ytd only)* | 48.3043% | 1,969 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 35.2408% | 5,576 |
| Net loans and leases to deposits | 426.7425% | 4 |
| Net loans and leases to core deposits | 522.5966% | 17 |
| Total domestic deposits to total assets | 8.2581% | 5,962 |
| Equity capital to assets | 23.5444% | 126 |
| Core capital (leverage) ratio | 21.8033% | 143 |
| Tier 1 risk-based capital ratio | 46.9522% | 160 |
| Total risk-based capital ratio | 46.9522% | 170 |
| Memoranda: | ||
| Average total assets | $35,169,750 | 5,694 |
| Average earning assets | $14,477,750 | 5,931 |
| Average equity | $6,781,500 | 5,183 |
| Average total loans | $12,827,750 | 5,775 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.7324% | 1 |
| Cost of funding earning assets | 0.2334% | 4,818 |
| Net interest margin | 27.4990% | 1 |
| Noninterest income to average assets | 49.5853% | 23 |
| Noninterest expense to average assets | 46.4033% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 9.5571% | 16 |
| Return on assets (ROA) | 9.5571% | 17 |
| Pretax return on assets | 15.0015% | 17 |
| Return on Equity (ROE) | 53.1673% | 11 |
| Retained earnings to average equity (ytd only) | 15.1907% | 142 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.5695% | 2,143 |
| Assets per employee ($millions) | 0.3414% | 6,036 |
| Cash dividends to net income (ytd only)* | 71.4286% | 1,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 40.1530% | 5,413 |
| Net loans and leases to deposits | 704.7096% | 3 |
| Net loans and leases to core deposits | 876.7578% | 14 |
| Total domestic deposits to total assets | 5.6978% | 6,045 |
| Equity capital to assets | 15.5437% | 617 |
| Core capital (leverage) ratio | 17.7380% | 316 |
| Tier 1 risk-based capital ratio | 28.6368% | 556 |
| Total risk-based capital ratio | 28.6368% | 611 |
| Memoranda: | ||
| Average total assets | $35,889,670 | 5,745 |
| Average earning assets | $15,426,000 | 5,998 |
| Average equity | $6,451,330 | 5,296 |
| Average total loans | $13,226,000 | 5,836 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 24.8570% | 3 |
| Cost of funding earning assets | 0.0565% | 6,036 |
| Net interest margin | 24.8005% | 1 |
| Noninterest income to average assets | 57.2772% | 20 |
| Noninterest expense to average assets | 54.3415% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 8.9722% | 22 |
| Return on assets (ROA) | 8.9722% | 21 |
| Pretax return on assets | 14.0937% | 18 |
| Return on Equity (ROE) | 45.5374% | 24 |
| Retained earnings to average equity (ytd only) | -33.4758% | 6,039 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4058% | 1,682 |
| Assets per employee ($millions) | 0.2842% | 6,104 |
| Cash dividends to net income (ytd only)* | 173.5127% | 311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 39.6492% | 5,467 |
| Net loans and leases to deposits | 629.3574% | 3 |
| Net loans and leases to core deposits | 796.6507% | 13 |
| Total domestic deposits to total assets | 6.2999% | 6,109 |
| Equity capital to assets | 15.7221% | 564 |
| Core capital (leverage) ratio | 21.1798% | 161 |
| Tier 1 risk-based capital ratio | 28.0640% | 604 |
| Total risk-based capital ratio | 28.0640% | 673 |
| Memoranda: | ||
| Average total assets | $31,475,000 | 5,880 |
| Average earning assets | $14,161,000 | 6,072 |
| Average equity | $6,201,500 | 5,386 |
| Average total loans | $10,861,000 | 5,940 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.7609% | 15 |
| Cost of funding earning assets | 0.0139% | 6,147 |
| Net interest margin | 11.7470% | 14 |
| Noninterest income to average assets | 37.0775% | 29 |
| Noninterest expense to average assets | 34.7158% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 7.8614% | 23 |
| Return on assets (ROA) | 7.8614% | 23 |
| Pretax return on assets | 12.3419% | 21 |
| Return on Equity (ROE) | 49.8116% | 10 |
| Retained earnings to average equity (ytd only) | 9.3135% | 585 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7729% | 2,619 |
| Assets per employee ($millions) | 0.1997% | 6,167 |
| Cash dividends to net income (ytd only)* | 81.3025% | 847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 26.7809% | 5,961 |
| Net loans and leases to deposits | 263.3698% | 6 |
| Net loans and leases to core deposits | 327.3567% | 25 |
| Total domestic deposits to total assets | 10.1685% | 6,163 |
| Equity capital to assets | 25.6837% | 82 |
| Core capital (leverage) ratio | 26.2600% | 75 |
| Tier 1 risk-based capital ratio | 37.9167% | 262 |
| Total risk-based capital ratio | 37.9167% | 290 |
| Memoranda: | ||
| Average total assets | $42,384,200 | 5,717 |
| Average earning assets | $36,009,200 | 5,763 |
| Average equity | $6,689,200 | 5,302 |
| Average total loans | $13,508,400 | 5,935 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4656% | 15 |
| Cost of funding earning assets | 0.0128% | 6,234 |
| Net interest margin | 11.4528% | 15 |
| Noninterest income to average assets | 33.2388% | 30 |
| Noninterest expense to average assets | 30.8658% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 8.0241% | 23 |
| Return on assets (ROA) | 8.0241% | 23 |
| Pretax return on assets | 12.5959% | 23 |
| Return on Equity (ROE) | 55.5356% | 13 |
| Retained earnings to average equity (ytd only) | 43.6380% | 9 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0184% | 3,041 |
| Assets per employee ($millions) | 0.3133% | 6,250 |
| Cash dividends to net income (ytd only)* | 21.4236% | 3,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 30.6637% | 5,950 |
| Net loans and leases to deposits | 496.8966% | 5 |
| Net loans and leases to core deposits | 633.4066% | 16 |
| Total domestic deposits to total assets | 6.1710% | 6,255 |
| Equity capital to assets | 21.4018% | 174 |
| Core capital (leverage) ratio | 20.5056% | 182 |
| Tier 1 risk-based capital ratio | 27.2469% | 668 |
| Total risk-based capital ratio | 27.2469% | 748 |
| Memoranda: | ||
| Average total assets | $46,691,250 | 5,689 |
| Average earning assets | $41,677,250 | 5,709 |
| Average equity | $6,746,250 | 5,356 |
| Average total loans | $15,201,250 | 5,966 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3316% | 18 |
| Cost of funding earning assets | 0.0085% | 6,314 |
| Net interest margin | 10.3231% | 18 |
| Noninterest income to average assets | 29.9940% | 32 |
| Noninterest expense to average assets | 27.8421% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 7.5618% | 32 |
| Return on assets (ROA) | 7.5618% | 32 |
| Pretax return on assets | 11.8737% | 27 |
| Return on Equity (ROE) | 59.5596% | 17 |
| Retained earnings to average equity (ytd only) | 40.4879% | 14 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1033% | 3,308 |
| Assets per employee ($millions) | 0.5812% | 6,313 |
| Cash dividends to net income (ytd only)* | 32.0213% | 2,741 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 36.1539% | 5,811 |
| Net loans and leases to deposits | 883.9216% | 5 |
| Net loans and leases to core deposits | 1,075.6616% | 15 |
| Total domestic deposits to total assets | 4.0902% | 6,332 |
| Equity capital to assets | 10.3778% | 3,585 |
| Core capital (leverage) ratio | 17.4078% | 336 |
| Tier 1 risk-based capital ratio | 11.0374% | 5,692 |
| Total risk-based capital ratio | 11.0374% | 6,108 |
| Memoranda: | ||
| Average total assets | $49,723,330 | 5,676 |
| Average earning assets | $46,827,000 | 5,638 |
| Average equity | $6,313,000 | 5,485 |
| Average total loans | $16,425,670 | 5,986 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.9401% | 20 |
| Cost of funding earning assets | 0.0103% | 6,380 |
| Net interest margin | 9.9299% | 16 |
| Noninterest income to average assets | 34.5746% | 32 |
| Noninterest expense to average assets | 32.5098% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 7.4351% | 30 |
| Return on assets (ROA) | 7.4351% | 31 |
| Pretax return on assets | 11.6738% | 30 |
| Return on Equity (ROE) | 50.6852% | 23 |
| Retained earnings to average equity (ytd only) | 9.9476% | 941 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5790% | 2,883 |
| Assets per employee ($millions) | 0.5120% | 6,385 |
| Cash dividends to net income (ytd only)* | 80.3738% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 32.1674% | 5,992 |
| Net loans and leases to deposits | 667.0471% | 6 |
| Net loans and leases to core deposits | 817.5542% | 17 |
| Total domestic deposits to total assets | 4.8224% | 6,402 |
| Equity capital to assets | 10.6266% | 3,394 |
| Core capital (leverage) ratio | 21.8009% | 137 |
| Tier 1 risk-based capital ratio | 10.6582% | 5,955 |
| Total risk-based capital ratio | 10.6582% | 6,265 |
| Memoranda: | ||
| Average total assets | $40,295,500 | 5,954 |
| Average earning assets | $38,993,500 | 5,896 |
| Average equity | $5,911,000 | 5,621 |
| Average total loans | $12,241,500 | 6,168 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.4635% | 9 |
| Cost of funding earning assets | 0.0057% | 6,482 |
| Net interest margin | 14.4578% | 7 |
| Noninterest income to average assets | 41.0239% | 26 |
| Noninterest expense to average assets | 38.4034% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 10.5784% | 19 |
| Return on assets (ROA) | 10.5784% | 20 |
| Pretax return on assets | 16.5289% | 19 |
| Return on Equity (ROE) | 56.9319% | 12 |
| Retained earnings to average equity (ytd only) | -0.9471% | 5,914 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9104% | 3,544 |
| Assets per employee ($millions) | 0.2356% | 6,492 |
| Cash dividends to net income (ytd only)* | 101.6636% | 329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 26.2299% | 6,274 |
| Net loans and leases to deposits | 287.7939% | 9 |
| Net loans and leases to core deposits | 371.8458% | 24 |
| Total domestic deposits to total assets | 9.1141% | 6,486 |
| Equity capital to assets | 24.0503% | 113 |
| Core capital (leverage) ratio | 24.0048% | 101 |
| Tier 1 risk-based capital ratio | 24.2431% | 922 |
| Total risk-based capital ratio | 24.2431% | 1,061 |
| Memoranda: | ||
| Average total assets | $36,366,600 | 6,122 |
| Average earning assets | $34,984,600 | 6,063 |
| Average equity | $6,757,200 | 5,465 |
| Average total loans | $14,388,400 | 6,177 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0280% | 9 |
| Cost of funding earning assets | 0.0035% | 6,564 |
| Net interest margin | 15.0245% | 7 |
| Noninterest income to average assets | 39.3483% | 25 |
| Noninterest expense to average assets | 36.6676% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 10.9837% | 17 |
| Return on assets (ROA) | 10.9837% | 17 |
| Pretax return on assets | 17.1610% | 17 |
| Return on Equity (ROE) | 61.9208% | 9 |
| Retained earnings to average equity (ytd only) | 49.2122% | 5 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1192% | 3,834 |
| Assets per employee ($millions) | 0.4363% | 6,556 |
| Cash dividends to net income (ytd only)* | 20.5239% | 3,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 38.5770% | 5,909 |
| Net loans and leases to deposits | 741.9127% | 6 |
| Net loans and leases to core deposits | 936.6404% | 16 |
| Total domestic deposits to total assets | 5.1997% | 6,572 |
| Equity capital to assets | 18.3361% | 315 |
| Core capital (leverage) ratio | 23.8023% | 107 |
| Tier 1 risk-based capital ratio | 18.4089% | 2,083 |
| Total risk-based capital ratio | 18.4089% | 2,503 |
| Memoranda: | ||
| Average total assets | $39,390,750 | 6,124 |
| Average earning assets | $37,963,750 | 6,055 |
| Average equity | $6,987,250 | 5,466 |
| Average total loans | $16,394,000 | 6,169 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.4397% | 7 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 16.4397% | 7 |
| Noninterest income to average assets | 42.8802% | 25 |
| Noninterest expense to average assets | 40.0288% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 11.9019% | 14 |
| Return on assets (ROA) | 11.9019% | 14 |
| Pretax return on assets | 18.5967% | 14 |
| Return on Equity (ROE) | 68.0502% | 12 |
| Retained earnings to average equity (ytd only) | 47.5242% | 14 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2788% | 3,951 |
| Assets per employee ($millions) | 0.3947% | 6,629 |
| Cash dividends to net income (ytd only)* | 30.1630% | 2,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 48.7770% | 5,107 |
| Net loans and leases to deposits | 1,400.9015% | 6 |
| Net loans and leases to core deposits | 2,066.0969% | 12 |
| Total domestic deposits to total assets | 3.4818% | 6,639 |
| Equity capital to assets | 16.6895% | 454 |
| Core capital (leverage) ratio | 18.8838% | 250 |
| Tier 1 risk-based capital ratio | 16.8519% | 2,686 |
| Total risk-based capital ratio | 16.8519% | 3,247 |
| Memoranda: | ||
| Average total assets | $37,103,330 | 6,236 |
| Average earning assets | $35,536,000 | 6,184 |
| Average equity | $6,489,330 | 5,603 |
| Average total loans | $15,911,000 | 6,251 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.8064% | 9 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 14.8064% | 8 |
| Noninterest income to average assets | 43.5576% | 25 |
| Noninterest expense to average assets | 41.0751% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 10.6376% | 17 |
| Return on assets (ROA) | 10.6376% | 17 |
| Pretax return on assets | 16.6100% | 17 |
| Return on Equity (ROE) | 59.0153% | 18 |
| Retained earnings to average equity (ytd only) | 14.7039% | 343 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2058% | 3,624 |
| Assets per employee ($millions) | 0.3632% | 6,701 |
| Cash dividends to net income (ytd only)* | 75.0846% | 1,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 44.0988% | 5,501 |
| Net loans and leases to deposits | 1,036.9932% | 5 |
| Net loans and leases to core deposits | 1,443.3386% | 14 |
| Total domestic deposits to total assets | 4.2526% | 6,709 |
| Equity capital to assets | 14.6589% | 747 |
| Core capital (leverage) ratio | 22.8697% | 123 |
| Tier 1 risk-based capital ratio | 14.8657% | 3,778 |
| Total risk-based capital ratio | 14.8657% | 4,551 |
| Memoranda: | ||
| Average total assets | $33,353,500 | 6,387 |
| Average earning assets | $31,824,000 | 6,343 |
| Average equity | $6,012,000 | 5,747 |
| Average total loans | $12,988,500 | 6,421 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.6371% | 6 |
| Cost of funding earning assets | 0.0034% | 6,789 |
| Net interest margin | 18.6336% | 5 |
| Noninterest income to average assets | 42.8620% | 25 |
| Noninterest expense to average assets | 40.0946% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 12.9411% | 18 |
| Return on assets (ROA) | 12.9411% | 18 |
| Pretax return on assets | 20.2223% | 16 |
| Return on Equity (ROE) | 59.6073% | 13 |
| Retained earnings to average equity (ytd only) | 0.0296% | 5,840 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4733% | 4,476 |
| Assets per employee ($millions) | 0.2207% | 6,795 |
| Cash dividends to net income (ytd only)* | 99.9504% | 405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 30.3079% | 6,449 |
| Net loans and leases to deposits | 668.4350% | 6 |
| Net loans and leases to core deposits | 1,198.0983% | 13 |
| Total domestic deposits to total assets | 4.5342% | 6,793 |
| Equity capital to assets | 23.6610% | 116 |
| Core capital (leverage) ratio | 25.5564% | 83 |
| Tier 1 risk-based capital ratio | 23.9248% | 962 |
| Total risk-based capital ratio | 23.9248% | 1,127 |
| Memoranda: | ||
| Average total assets | $31,148,800 | 6,500 |
| Average earning assets | $29,178,400 | 6,465 |
| Average equity | $6,762,600 | 5,627 |
| Average total loans | $9,988,600 | 6,591 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.8869% | 6 |
| Cost of funding earning assets | 0.0044% | 6,867 |
| Net interest margin | 19.8826% | 5 |
| Noninterest income to average assets | 41.3445% | 24 |
| Noninterest expense to average assets | 38.4537% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 13.7244% | 15 |
| Return on assets (ROA) | 13.7244% | 15 |
| Pretax return on assets | 21.4429% | 16 |
| Return on Equity (ROE) | 64.3172% | 9 |
| Retained earnings to average equity (ytd only) | 51.6295% | 7 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2001% | 4,768 |
| Assets per employee ($millions) | 0.3288% | 6,867 |
| Cash dividends to net income (ytd only)* | 19.7266% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 32.5859% | 6,425 |
| Net loans and leases to deposits | 1,320.1745% | 6 |
| Net loans and leases to core deposits | 2,903.1175% | 12 |
| Total domestic deposits to total assets | 2.4683% | 6,874 |
| Equity capital to assets | 23.1515% | 116 |
| Core capital (leverage) ratio | 23.5844% | 105 |
| Tier 1 risk-based capital ratio | 23.6421% | 1,052 |
| Total risk-based capital ratio | 23.6421% | 1,226 |
| Memoranda: | ||
| Average total assets | $32,700,000 | 6,539 |
| Average earning assets | $30,511,750 | 6,504 |
| Average equity | $6,977,750 | 5,642 |
| Average total loans | $10,595,750 | 6,637 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.0415% | 6 |
| Cost of funding earning assets | 0.0000% | 6,924 |
| Net interest margin | 20.0415% | 5 |
| Noninterest income to average assets | 41.6192% | 24 |
| Noninterest expense to average assets | 38.6913% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 13.7684% | 13 |
| Return on assets (ROA) | 13.7684% | 13 |
| Pretax return on assets | 21.5144% | 14 |
| Return on Equity (ROE) | 66.7737% | 9 |
| Retained earnings to average equity (ytd only) | 46.1419% | 9 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2652% | 4,836 |
| Assets per employee ($millions) | 0.3732% | 6,912 |
| Cash dividends to net income (ytd only)* | 30.8981% | 2,642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 33.1538% | 6,454 |
| Net loans and leases to deposits | 1,207.5362% | 6 |
| Net loans and leases to core deposits | 2,336.0748% | 15 |
| Total domestic deposits to total assets | 2.7456% | 6,926 |
| Equity capital to assets | 19.5904% | 227 |
| Core capital (leverage) ratio | 19.7228% | 205 |
| Tier 1 risk-based capital ratio | 19.7375% | 1,785 |
| Total risk-based capital ratio | 19.7375% | 2,106 |
| Memoranda: | ||
| Average total assets | $31,216,330 | 6,616 |
| Average earning assets | $28,950,000 | 6,587 |
| Average equity | $6,436,670 | 5,823 |
| Average total loans | $10,092,330 | 6,702 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 16.7733% | 7 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 16.7733% | 6 |
| Noninterest income to average assets | 43.8948% | 25 |
| Noninterest expense to average assets | 41.3783% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 11.2954% | 16 |
| Return on assets (ROA) | 11.2954% | 16 |
| Pretax return on assets | 17.6437% | 15 |
| Return on Equity (ROE) | 52.9979% | 27 |
| Retained earnings to average equity (ytd only) | 8.3857% | 1,612 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1066% | 3,950 |
| Assets per employee ($millions) | 0.2926% | 6,994 |
| Cash dividends to net income (ytd only)* | 84.1772% | 826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 31.2913% | 6,549 |
| Net loans and leases to deposits | 1,127.8708% | 8 |
| Net loans and leases to core deposits | 2,806.2500% | 13 |
| Total domestic deposits to total assets | 2.7744% | 7,001 |
| Equity capital to assets | 19.9947% | 217 |
| Core capital (leverage) ratio | 25.1262% | 88 |
| Tier 1 risk-based capital ratio | 21.8654% | 1,357 |
| Total risk-based capital ratio | 21.8654% | 1,601 |
| Memoranda: | ||
| Average total assets | $27,976,000 | 6,759 |
| Average earning assets | $25,230,500 | 6,738 |
| Average equity | $5,962,500 | 5,997 |
| Average total loans | $8,889,500 | 6,816 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.2218% | 6 |
| Cost of funding earning assets | 0.0103% | 7,062 |
| Net interest margin | 18.2115% | 6 |
| Noninterest income to average assets | 38.1630% | 25 |
| Noninterest expense to average assets | 35.9063% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 12.6558% | 13 |
| Return on assets (ROA) | 12.6558% | 13 |
| Pretax return on assets | 19.7741% | 14 |
| Return on Equity (ROE) | 56.8998% | 12 |
| Retained earnings to average equity (ytd only) | 1.2217% | 5,267 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4864% | 4,801 |
| Assets per employee ($millions) | 0.2837% | 7,059 |
| Cash dividends to net income (ytd only)* | 97.8528% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 32.3405% | 6,613 |
| Net loans and leases to deposits | 1,105.9603% | 9 |
| Net loans and leases to core deposits | 3,274.5098% | 13 |
| Total domestic deposits to total assets | 2.9242% | 7,064 |
| Equity capital to assets | 22.8514% | 130 |
| Core capital (leverage) ratio | 27.6075% | 73 |
| Tier 1 risk-based capital ratio | 23.0217% | 1,115 |
| Total risk-based capital ratio | 23.0217% | 1,284 |
| Memoranda: | ||
| Average total assets | $30,175,800 | 6,749 |
| Average earning assets | $29,025,600 | 6,691 |
| Average equity | $6,711,800 | 5,844 |
| Average total loans | $8,934,200 | 6,887 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.4606% | 6 |
| Cost of funding earning assets | 0.0089% | 7,163 |
| Net interest margin | 19.4517% | 5 |
| Noninterest income to average assets | 36.8881% | 25 |
| Noninterest expense to average assets | 34.5937% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 13.4545% | 12 |
| Return on assets (ROA) | 13.4545% | 12 |
| Pretax return on assets | 21.0241% | 11 |
| Return on Equity (ROE) | 60.8346% | 9 |
| Retained earnings to average equity (ytd only) | 49.5933% | 6 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1990% | 5,122 |
| Assets per employee ($millions) | 0.2757% | 7,158 |
| Cash dividends to net income (ytd only)* | 18.4785% | 3,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 27.2702% | 6,896 |
| Net loans and leases to deposits | 571.6271% | 8 |
| Net loans and leases to core deposits | 966.9433% | 23 |
| Total domestic deposits to total assets | 4.7706% | 7,166 |
| Equity capital to assets | 32.7313% | 58 |
| Core capital (leverage) ratio | 26.8357% | 79 |
| Tier 1 risk-based capital ratio | 32.9653% | 408 |
| Total risk-based capital ratio | 32.9653% | 447 |
| Memoranda: | ||
| Average total assets | $31,265,000 | 6,810 |
| Average earning assets | $30,104,500 | 6,744 |
| Average equity | $6,914,750 | 5,851 |
| Average total loans | $9,080,250 | 6,972 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.9741% | 6 |
| Cost of funding earning assets | 0.0063% | 7,228 |
| Net interest margin | 18.9678% | 5 |
| Noninterest income to average assets | 34.6033% | 26 |
| Noninterest expense to average assets | 32.5334% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 13.0230% | 12 |
| Return on assets (ROA) | 13.0230% | 12 |
| Pretax return on assets | 20.3492% | 12 |
| Return on Equity (ROE) | 67.1995% | 9 |
| Retained earnings to average equity (ytd only) | 49.0450% | 12 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5200% | 5,326 |
| Assets per employee ($millions) | 0.4120% | 7,209 |
| Cash dividends to net income (ytd only)* | 27.0158% | 2,729 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 28.1348% | 6,927 |
| Net loans and leases to deposits | 521.9372% | 8 |
| Net loans and leases to core deposits | 707.0213% | 27 |
| Total domestic deposits to total assets | 5.3905% | 7,233 |
| Equity capital to assets | 20.8676% | 205 |
| Core capital (leverage) ratio | 20.1400% | 198 |
| Tier 1 risk-based capital ratio | 20.9711% | 1,485 |
| Total risk-based capital ratio | 20.9711% | 1,744 |
| Memoranda: | ||
| Average total assets | $33,141,330 | 6,806 |
| Average earning assets | $31,938,330 | 6,737 |
| Average equity | $6,422,670 | 6,007 |
| Average total loans | $9,776,670 | 7,004 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.6929% | 9 |
| Cost of funding earning assets | 0.0130% | 7,285 |
| Net interest margin | 15.6799% | 7 |
| Noninterest income to average assets | 32.5171% | 25 |
| Noninterest expense to average assets | 31.5794% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 10.2639% | 19 |
| Return on assets (ROA) | 10.2639% | 20 |
| Pretax return on assets | 16.0273% | 17 |
| Return on Equity (ROE) | 55.3141% | 23 |
| Retained earnings to average equity (ytd only) | 16.0350% | 366 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3340% | 4,497 |
| Assets per employee ($millions) | 0.5042% | 7,268 |
| Cash dividends to net income (ytd only)* | 71.0110% | 962 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 32.8364% | 6,786 |
| Net loans and leases to deposits | 532.9042% | 8 |
| Net loans and leases to core deposits | 657.3564% | 28 |
| Total domestic deposits to total assets | 6.1618% | 7,294 |
| Equity capital to assets | 14.1294% | 974 |
| Core capital (leverage) ratio | 21.9970% | 133 |
| Tier 1 risk-based capital ratio | 14.1867% | 4,328 |
| Total risk-based capital ratio | 14.1867% | 5,231 |
| Memoranda: | ||
| Average total assets | $31,995,500 | 6,898 |
| Average earning assets | $30,791,000 | 6,822 |
| Average equity | $5,937,000 | 6,162 |
| Average total loans | $9,680,500 | 7,079 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.0818% | 7 |
| Cost of funding earning assets | 0.0073% | 7,340 |
| Net interest margin | 17.0745% | 7 |
| Noninterest income to average assets | 38.8920% | 26 |
| Noninterest expense to average assets | 36.2619% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 12.1457% | 11 |
| Return on assets (ROA) | 12.1457% | 11 |
| Pretax return on assets | 18.9785% | 12 |
| Return on Equity (ROE) | 52.9498% | 9 |
| Retained earnings to average equity (ytd only) | 1.3741% | 5,203 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6438% | 4,838 |
| Assets per employee ($millions) | 0.2457% | 7,334 |
| Cash dividends to net income (ytd only)* | 97.4048% | 386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 25.0213% | 7,141 |
| Net loans and leases to deposits | 645.5433% | 10 |
| Net loans and leases to core deposits | 1,657.3668% | 21 |
| Total domestic deposits to total assets | 3.8760% | 7,342 |
| Equity capital to assets | 27.5343% | 77 |
| Core capital (leverage) ratio | 27.7312% | 76 |
| Tier 1 risk-based capital ratio | 28.0035% | 623 |
| Total risk-based capital ratio | 28.0035% | 704 |
| Memoranda: | ||
| Average total assets | $28,553,400 | 7,009 |
| Average earning assets | $27,339,000 | 6,944 |
| Average equity | $6,549,600 | 5,997 |
| Average total loans | $7,549,800 | 7,196 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.9382% | 8 |
| Cost of funding earning assets | 0.0046% | 7,420 |
| Net interest margin | 17.9336% | 7 |
| Noninterest income to average assets | 36.6151% | 27 |
| Noninterest expense to average assets | 34.0721% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 12.6537% | 12 |
| Return on assets (ROA) | 12.6537% | 12 |
| Pretax return on assets | 19.7698% | 12 |
| Return on Equity (ROE) | 57.1541% | 10 |
| Retained earnings to average equity (ytd only) | 47.4304% | 9 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2818% | 5,185 |
| Assets per employee ($millions) | 0.2958% | 7,412 |
| Cash dividends to net income (ytd only)* | 17.0132% | 3,046 |
| 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 | 26.2472% | 7,188 |
| Net loans and leases to deposits | 677.3186% | 10 |
| Net loans and leases to core deposits | 1,252.2920% | 25 |
| Total domestic deposits to total assets | 3.8752% | 7,420 |
| Equity capital to assets | 28.9019% | 87 |
| Core capital (leverage) ratio | 24.2846% | 121 |
| Tier 1 risk-based capital ratio | 28.9720% | 598 |
| Total risk-based capital ratio | 28.9720% | 663 |
| Memoranda: | ||
| Average total assets | $30,409,250 | 7,028 |
| Average earning assets | $29,210,750 | 6,959 |
| Average equity | $6,732,500 | 5,989 |
| Average total loans | $8,115,500 | 7,250 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.4685% | 8 |
| Cost of funding earning assets | 0.0067% | 7,489 |
| Net interest margin | 17.4618% | 7 |
| Noninterest income to average assets | 35.1270% | 28 |
| Noninterest expense to average assets | 32.8818% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 12.1495% | 13 |
| Return on assets (ROA) | 12.1495% | 14 |
| Pretax return on assets | 18.9811% | 11 |
| Return on Equity (ROE) | 60.4211% | 15 |
| Retained earnings to average equity (ytd only) | 44.7576% | 16 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4014% | 5,346 |
| Assets per employee ($millions) | 0.4115% | 7,478 |
| Cash dividends to net income (ytd only)* | 25.9240% | 2,633 |
| 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 | 27.9323% | 7,242 |
| Net loans and leases to deposits | 711.7992% | 11 |
| Net loans and leases to core deposits | 1,055.9961% | 28 |
| Total domestic deposits to total assets | 3.9242% | 7,495 |
| Equity capital to assets | 18.2369% | 366 |
| Core capital (leverage) ratio | 18.5381% | 298 |
| Tier 1 risk-based capital ratio | 18.3704% | 2,055 |
| Total risk-based capital ratio | 18.3704% | 2,447 |
| Memoranda: | ||
| Average total assets | $31,178,330 | 7,068 |
| Average earning assets | $29,882,330 | 7,000 |
| Average equity | $6,269,330 | 6,149 |
| Average total loans | $8,362,000 | 7,308 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.9536% | 12 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 14.9536% | 11 |
| Noninterest income to average assets | 36.7497% | 29 |
| Noninterest expense to average assets | 34.6191% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 10.5209% | 20 |
| Return on assets (ROA) | 10.5209% | 20 |
| Pretax return on assets | 16.4426% | 17 |
| Return on Equity (ROE) | 49.0453% | 34 |
| Retained earnings to average equity (ytd only) | 15.4123% | 356 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7986% | 4,696 |
| Assets per employee ($millions) | 0.4136% | 7,537 |
| Cash dividends to net income (ytd only)* | 68.5754% | 1,052 |
| 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 | 29.0698% | 7,260 |
| Net loans and leases to deposits | 703.4845% | 9 |
| Net loans and leases to core deposits | 1,047.9922% | 28 |
| Total domestic deposits to total assets | 4.1323% | 7,559 |
| Equity capital to assets | 16.1704% | 548 |
| Core capital (leverage) ratio | 23.7956% | 126 |
| Tier 1 risk-based capital ratio | 16.2224% | 2,798 |
| Total risk-based capital ratio | 16.2224% | 3,404 |
| Memoranda: | ||
| Average total assets | $27,222,000 | 7,229 |
| Average earning assets | $26,054,000 | 7,172 |
| Average equity | $5,839,500 | 6,297 |
| Average total loans | $7,083,500 | 7,412 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.0290% | 12 |
| Cost of funding earning assets | 0.0035% | 7,640 |
| Net interest margin | 15.0255% | 10 |
| Noninterest income to average assets | 32.2411% | 32 |
| Noninterest expense to average assets | 30.2110% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 10.6429% | 14 |
| Return on assets (ROA) | 10.6429% | 15 |
| Pretax return on assets | 16.6281% | 14 |
| Return on Equity (ROE) | 43.9877% | 18 |
| Retained earnings to average equity (ytd only) | -48.0427% | 7,406 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.4995% | 5,263 |
| Assets per employee ($millions) | 0.2151% | 7,633 |
| Cash dividends to net income (ytd only)* | 209.2185% | 110 |
| 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 | 19.6587% | 7,521 |
| Net loans and leases to deposits | 525.3030% | 13 |
| Net loans and leases to core deposits | 525.3030% | 35 |
| Total domestic deposits to total assets | 3.7423% | 7,638 |
| Equity capital to assets | 32.4733% | 71 |
| Core capital (leverage) ratio | 27.6867% | 96 |
| Tier 1 risk-based capital ratio | 33.2366% | 403 |
| Total risk-based capital ratio | 33.2366% | 421 |
| Memoranda: | ||
| Average total assets | $29,456,200 | 7,222 |
| Average earning assets | $28,618,000 | 7,141 |
| Average equity | $7,127,000 | 5,989 |
| Average total loans | $7,461,200 | 7,488 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.2441% | 13 |
| Cost of funding earning assets | 0.0042% | 7,744 |
| Net interest margin | 15.2399% | 10 |
| Noninterest income to average assets | 30.0711% | 33 |
| Noninterest expense to average assets | 27.9567% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 10.8766% | 14 |
| Return on assets (ROA) | 10.8766% | 15 |
| Pretax return on assets | 16.9937% | 15 |
| Return on Equity (ROE) | 47.1479% | 17 |
| Retained earnings to average equity (ytd only) | -22.6644% | 7,259 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1946% | 5,593 |
| Assets per employee ($millions) | 0.3384% | 7,726 |
| Cash dividends to net income (ytd only)* | 148.0709% | 144 |
| 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 | 22.4498% | 7,587 |
| Net loans and leases to deposits | 840.7552% | 11 |
| Net loans and leases to core deposits | 840.7552% | 30 |
| Total domestic deposits to total assets | 2.6702% | 7,746 |
| Equity capital to assets | 27.3973% | 108 |
| Core capital (leverage) ratio | 23.1840% | 149 |
| Tier 1 risk-based capital ratio | 27.4756% | 659 |
| Total risk-based capital ratio | 27.4756% | 741 |
| Memoranda: | ||
| Average total assets | $32,411,250 | 7,216 |
| Average earning assets | $31,644,250 | 7,120 |
| Average equity | $7,477,000 | 5,954 |
| Average total loans | $8,459,750 | 7,548 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 14.6398% | 17 |
| Cost of funding earning assets | 0.0061% | 7,811 |
| Net interest margin | 14.6337% | 11 |
| Noninterest income to average assets | 29.6898% | 35 |
| Noninterest expense to average assets | 27.6142% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 10.4676% | 18 |
| Return on assets (ROA) | 10.4676% | 19 |
| Pretax return on assets | 16.3556% | 18 |
| Return on Equity (ROE) | 47.9390% | 17 |
| Retained earnings to average equity (ytd only) | -58.6980% | 7,649 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8027% | 5,556 |
| Assets per employee ($millions) | 0.4371% | 7,792 |
| Cash dividends to net income (ytd only)* | 222.4432% | 95 |
| 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 | 26.2205% | 7,609 |
| Net loans and leases to deposits | 906.9565% | 11 |
| Net loans and leases to core deposits | 906.9565% | 29 |
| Total domestic deposits to total assets | 2.8910% | 7,813 |
| Equity capital to assets | 17.5876% | 460 |
| Core capital (leverage) ratio | 17.8784% | 368 |
| Tier 1 risk-based capital ratio | 17.6306% | 2,066 |
| Total risk-based capital ratio | 17.6306% | 2,465 |
| Memoranda: | ||
| Average total assets | $33,627,670 | 7,227 |
| Average earning assets | $32,814,670 | 7,123 |
| Average equity | $7,342,670 | 6,016 |
| Average total loans | $9,127,330 | 7,586 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6353% | 33 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 11.6353% | 22 |
| Noninterest income to average assets | 28.6589% | 35 |
| Noninterest expense to average assets | 26.7998% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 8.4445% | 22 |
| Return on assets (ROA) | 8.4445% | 23 |
| Pretax return on assets | 13.1970% | 21 |
| Return on Equity (ROE) | 34.3268% | 54 |
| Retained earnings to average equity (ytd only) | -174.0287% | 7,881 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0049% | 4,920 |
| Assets per employee ($millions) | 0.4559% | 7,894 |
| Cash dividends to net income (ytd only)* | 606.9767% | 37 |
| 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 | 32.9072% | 7,537 |
| Net loans and leases to deposits | 868.3300% | 13 |
| Net loans and leases to core deposits | 868.3300% | 32 |
| Total domestic deposits to total assets | 3.7897% | 7,910 |
| Equity capital to assets | 14.8285% | 925 |
| Core capital (leverage) ratio | 24.0916% | 147 |
| Tier 1 risk-based capital ratio | 14.9048% | 3,149 |
| Total risk-based capital ratio | 14.9048% | 3,849 |
| Memoranda: | ||
| Average total assets | $30,552,500 | 7,424 |
| Average earning assets | $29,771,500 | 7,332 |
| Average equity | $7,516,000 | 6,009 |
| Average total loans | $8,476,000 | 7,705 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.7418% | 6 |
| Cost of funding earning assets | 0.0139% | 7,995 |
| Net interest margin | 17.7280% | 4 |
| Noninterest income to average assets | 34.7528% | 33 |
| Noninterest expense to average assets | 31.4092% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 13.0900% | 10 |
| Return on assets (ROA) | 13.0900% | 10 |
| Pretax return on assets | 20.4524% | 9 |
| Return on Equity (ROE) | 52.2781% | 14 |
| Retained earnings to average equity (ytd only) | 42.2765% | 8 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.5635% | 6,396 |
| Assets per employee ($millions) | 0.2383% | 7,990 |
| Cash dividends to net income (ytd only)* | 19.1315% | 3,686 |
| 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 | 18.1907% | 7,881 |
| Net loans and leases to deposits | 466.6268% | 15 |
| Net loans and leases to core deposits | 1,010.6218% | 17 |
| Total domestic deposits to total assets | 3.8983% | 7,987 |
| Equity capital to assets | 42.6720% | 60 |
| Core capital (leverage) ratio | 38.8297% | 67 |
| Tier 1 risk-based capital ratio | 42.9403% | 208 |
| Total risk-based capital ratio | 42.9403% | 221 |
| Memoranda: | ||
| Average total assets | $29,908,400 | 7,471 |
| Average earning assets | $28,864,000 | 7,398 |
| Average equity | $7,488,800 | 6,096 |
| Average total loans | $9,218,000 | 7,732 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 19.0183% | 7 |
| Cost of funding earning assets | 0.0173% | 8,078 |
| Net interest margin | 19.0010% | 4 |
| Noninterest income to average assets | 35.6970% | 34 |
| Noninterest expense to average assets | 31.9874% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 14.0973% | 10 |
| Return on assets (ROA) | 14.0973% | 10 |
| Pretax return on assets | 22.0286% | 10 |
| Return on Equity (ROE) | 63.8257% | 11 |
| Retained earnings to average equity (ytd only) | 49.7071% | 10 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2184% | 6,529 |
| Assets per employee ($millions) | 0.3435% | 8,068 |
| Cash dividends to net income (ytd only)* | 22.1205% | 3,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 25.4667% | 7,879 |
| Net loans and leases to deposits | 738.3486% | 16 |
| Net loans and leases to core deposits | 958.0952% | 16 |
| Total domestic deposits to total assets | 3.4491% | 8,074 |
| Equity capital to assets | 27.2831% | 146 |
| Core capital (leverage) ratio | 25.0771% | 168 |
| Tier 1 risk-based capital ratio | 27.3367% | 724 |
| Total risk-based capital ratio | 27.3367% | 799 |
| Memoranda: | ||
| Average total assets | $32,024,250 | 7,463 |
| Average earning assets | $30,874,750 | 7,376 |
| Average equity | $7,073,250 | 6,298 |
| Average total loans | $10,547,250 | 7,756 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.8458% | 8 |
| Cost of funding earning assets | 0.0194% | 8,174 |
| Net interest margin | 18.8264% | 4 |
| Noninterest income to average assets | 38.3771% | 32 |
| Noninterest expense to average assets | 34.6339% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 13.9841% | 11 |
| Return on assets (ROA) | 13.9841% | 11 |
| Pretax return on assets | 21.8498% | 10 |
| Return on Equity (ROE) | 68.5984% | 12 |
| Retained earnings to average equity (ytd only) | 45.7526% | 12 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3166% | 6,345 |
| Assets per employee ($millions) | 0.2927% | 8,167 |
| Cash dividends to net income (ytd only)* | 33.3037% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 35.2781% | 7,733 |
| Net loans and leases to deposits | 692.8156% | 18 |
| Net loans and leases to core deposits | 798.2349% | 20 |
| Total domestic deposits to total assets | 5.0920% | 8,169 |
| Equity capital to assets | 20.1340% | 374 |
| Core capital (leverage) ratio | 20.6871% | 328 |
| Tier 1 risk-based capital ratio | 20.2199% | 1,532 |
| Total risk-based capital ratio | 20.2199% | 1,740 |
| Memoranda: | ||
| Average total assets | $32,165,000 | 7,524 |
| Average earning assets | $30,935,330 | 7,441 |
| Average equity | $6,557,000 | 6,513 |
| Average total loans | $11,380,330 | 7,790 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.6981% | 8 |
| Cost of funding earning assets | 0.0280% | 8,220 |
| Net interest margin | 17.6700% | 5 |
| Noninterest income to average assets | 39.1510% | 33 |
| Noninterest expense to average assets | 35.8199% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 13.0144% | 13 |
| Return on assets (ROA) | 13.0144% | 14 |
| Pretax return on assets | 20.3375% | 13 |
| Return on Equity (ROE) | 63.3514% | 15 |
| Retained earnings to average equity (ytd only) | 14.1802% | 502 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7848% | 5,730 |
| Assets per employee ($millions) | 0.2790% | 8,220 |
| Cash dividends to net income (ytd only)* | 77.6166% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 37.6379% | 7,672 |
| Net loans and leases to deposits | 1,034.7991% | 15 |
| Net loans and leases to core deposits | 1,276.8007% | 17 |
| Total domestic deposits to total assets | 3.6372% | 8,222 |
| Equity capital to assets | 17.0996% | 712 |
| Core capital (leverage) ratio | 25.6473% | 219 |
| Tier 1 risk-based capital ratio | 17.2030% | 2,271 |
| Total risk-based capital ratio | 17.2030% | 2,643 |
| Memoranda: | ||
| Average total assets | $29,659,500 | 7,657 |
| Average earning assets | $28,545,500 | 7,592 |
| Average equity | $6,093,000 | 6,729 |
| Average total loans | $10,513,000 | 7,880 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 28.3298% | 2 |
| Cost of funding earning assets | 0.0310% | 8,278 |
| Net interest margin | 28.2988% | 1 |
| Noninterest income to average assets | 45.7878% | 32 |
| Noninterest expense to average assets | 40.2746% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 21.1025% | 9 |
| Return on assets (ROA) | 21.1025% | 10 |
| Pretax return on assets | 32.7183% | 9 |
| Return on Equity (ROE) | 83.4774% | 5 |
| Retained earnings to average equity (ytd only) | -3.7724% | 6,280 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1760% | 7,128 |
| Assets per employee ($millions) | 0.2077% | 8,277 |
| Cash dividends to net income (ytd only)* | 104.5191% | 882 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 31.9974% | 7,943 |
| Net loans and leases to deposits | 948.2005% | 16 |
| Net loans and leases to core deposits | 1,397.1591% | 18 |
| Total domestic deposits to total assets | 3.3745% | 8,281 |
| Equity capital to assets | 25.9597% | 247 |
| Core capital (leverage) ratio | 26.4636% | 234 |
| Tier 1 risk-based capital ratio | 26.6296% | 853 |
| Total risk-based capital ratio | 26.6296% | 932 |
| Memoranda: | ||
| Average total assets | $30,200,200 | 7,639 |
| Average earning assets | $29,033,000 | 7,562 |
| Average equity | $7,634,400 | 6,233 |
| Average total loans | $8,740,200 | 8,003 |