Home > Emigrant Mercantile Bank > Performance and Condition Ratios
Emigrant Mercantile Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7073% | 2,663 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 4.7073% | 472 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 2.4034% | 2,581 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.6414% | 808 |
| Return on assets (ROA) | 1.6414% | 779 |
| Pretax return on assets | 2.2862% | 444 |
| Return on Equity (ROE) | 1.9300% | 4,160 |
| Retained earnings to average equity (ytd only) | 1.9332% | 3,592 |
| 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 | 51.2500% | 3,885 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 14.5600% | 4,506 |
| Equity capital to assets | 85.1151% | 89 |
| Core capital (leverage) ratio | 85.2890% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 427.1930% | 18 |
| Memoranda: | ||
| Average total assets | $3,411,800 | 4,589 |
| Average earning assets | $3,399,000 | 4,542 |
| Average equity | $2,896,800 | 4,435 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5952% | 2,689 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 4.5952% | 535 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 2.4267% | 2,446 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.5656% | 992 |
| Return on assets (ROA) | 1.5656% | 988 |
| Pretax return on assets | 2.1527% | 594 |
| Return on Equity (ROE) | 1.8500% | 4,215 |
| Retained earnings to average equity (ytd only) | 1.8451% | 3,756 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 52.9915% | 3,674 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 14.5800% | 4,534 |
| Equity capital to assets | 84.7477% | 92 |
| Core capital (leverage) ratio | 84.8219% | 48 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 424.2336% | 19 |
| Memoranda: | ||
| Average total assets | $3,406,500 | 4,615 |
| Average earning assets | $3,394,750 | 4,570 |
| Average equity | $2,890,500 | 4,454 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3705% | 2,959 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 4.3705% | 733 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 1.1180% | 4,530 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 2.3536% | 288 |
| Return on assets (ROA) | 2.3536% | 283 |
| Pretax return on assets | 3.2362% | 173 |
| Return on Equity (ROE) | 2.7700% | 4,191 |
| Retained earnings to average equity (ytd only) | 2.7726% | 3,542 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 25.6757% | 4,562 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 14.6000% | 4,561 |
| Equity capital to assets | 84.8467% | 88 |
| Core capital (leverage) ratio | 85.3702% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 424.8538% | 19 |
| Memoranda: | ||
| Average total assets | $3,399,000 | 4,636 |
| Average earning assets | $3,386,333 | 4,597 |
| Average equity | $2,885,333 | 4,484 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1512% | 3,137 |
| Cost of funding earning assets | 0.0000% | 4,615 |
| Net interest margin | 4.1512% | 1,021 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 1.1813% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 2.1264% | 417 |
| Return on assets (ROA) | 2.1264% | 408 |
| Pretax return on assets | 2.9533% | 207 |
| Return on Equity (ROE) | 2.5000% | 4,240 |
| Retained earnings to average equity (ytd only) | 2.5043% | 3,604 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 28.5714% | 4,615 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 14.7300% | 4,607 |
| Equity capital to assets | 84.9485% | 46 |
| Core capital (leverage) ratio | 85.3507% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 425.3687% | 17 |
| Memoranda: | ||
| Average total assets | $3,386,000 | 4,691 |
| Average earning assets | $3,372,500 | 4,668 |
| Average equity | $2,875,000 | 4,546 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8174% | 4,631 |
| Cost of funding earning assets | 0.0000% | 4,648 |
| Net interest margin | 1.8174% | 4,597 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 2.3704% | 2,513 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -0.4148% | 4,637 |
| Return on assets (ROA) | -0.4148% | 4,630 |
| Pretax return on assets | -0.5630% | 4,631 |
| Return on Equity (ROE) | -0.4900% | 4,558 |
| Retained earnings to average equity (ytd only) | -0.4875% | 4,399 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 131.1475% | 55 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 14.8100% | 4,641 |
| Equity capital to assets | 84.8682% | 45 |
| Core capital (leverage) ratio | 85.1709% | 48 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 425.2226% | 19 |
| Memoranda: | ||
| Average total assets | $3,375,000 | 4,724 |
| Average earning assets | $3,356,400 | 4,700 |
| Average equity | $2,871,800 | 4,621 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3115% | 4,677 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 1.3115% | 4,659 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 2.2916% | 2,649 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | -0.7112% | 4,695 |
| Return on assets (ROA) | -0.7112% | 4,684 |
| Pretax return on assets | -0.9878% | 4,692 |
| Return on Equity (ROE) | -0.8400% | 4,583 |
| Retained earnings to average equity (ytd only) | -0.8353% | 4,408 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 175.7576% | 28 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 14.8700% | 4,680 |
| Equity capital to assets | 85.1279% | 47 |
| Core capital (leverage) ratio | 84.9510% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 426.5276% | 18 |
| Memoranda: | ||
| Average total assets | $3,374,500 | 4,763 |
| Average earning assets | $3,354,750 | 4,739 |
| Average equity | $2,873,250 | 4,661 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0125% | 4,737 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 1.0125% | 4,729 |
| Noninterest income to average assets | 0.0000% | 4,732 |
| Noninterest expense to average assets | 1.8350% | 3,876 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -0.5919% | 4,690 |
| Return on assets (ROA) | -0.5919% | 4,676 |
| Pretax return on assets | -0.8287% | 4,687 |
| Return on Equity (ROE) | -0.6952% | 4,582 |
| Retained earnings to average equity (ytd only) | -0.6952% | 4,264 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 182.3529% | 26 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 14.8368% | 4,749 |
| Equity capital to assets | 85.1632% | 21 |
| Core capital (leverage) ratio | 84.9867% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 427.0833% | 6 |
| Memoranda: | ||
| Average total assets | $3,378,667 | 4,779 |
| Average earning assets | $3,358,000 | 4,767 |
| Average equity | $2,877,000 | 4,698 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1898% | 4,751 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 1.1898% | 4,733 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 0.9459% | 4,733 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.1182% | 4,443 |
| Return on assets (ROA) | 0.1182% | 4,411 |
| Pretax return on assets | 0.2365% | 4,284 |
| Return on Equity (ROE) | 0.1389% | 4,519 |
| Retained earnings to average equity (ytd only) | 0.1389% | 3,991 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 1,155 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 14.7798% | 4,774 |
| Equity capital to assets | 85.1611% | 19 |
| Core capital (leverage) ratio | 85.1863% | 23 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 427.4481% | 5 |
| Memoranda: | ||
| Average total assets | $3,383,000 | 4,804 |
| Average earning assets | $3,362,000 | 4,793 |
| Average equity | $2,880,500 | 4,722 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1536% | 4,779 |
| Cost of funding earning assets | 0.0000% | 4,821 |
| Net interest margin | 1.1536% | 4,765 |
| Noninterest income to average assets | 0.0000% | 4,810 |
| Noninterest expense to average assets | 2.2642% | 2,904 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | -0.7939% | 4,780 |
| Return on assets (ROA) | -0.7939% | 4,783 |
| Pretax return on assets | -1.1174% | 4,789 |
| Return on Equity (ROE) | -0.9323% | 4,717 |
| Retained earnings to average equity (ytd only) | -0.9323% | 4,578 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 197.4359% | 20 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 14.7798% | 4,820 |
| Equity capital to assets | 85.1315% | 15 |
| Core capital (leverage) ratio | 85.0310% | 14 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 420.4380% | 7 |
| Memoranda: | ||
| Average total assets | $3,400,800 | 4,847 |
| Average earning assets | $3,380,800 | 4,836 |
| Average equity | $2,896,000 | 4,768 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1420% | 4,864 |
| Cost of funding earning assets | 0.0000% | 4,892 |
| Net interest margin | 1.1420% | 4,850 |
| Noninterest income to average assets | 0.0000% | 4,883 |
| Noninterest expense to average assets | 1.9186% | 3,897 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | -0.5873% | 4,840 |
| Return on assets (ROA) | -0.5873% | 4,845 |
| Pretax return on assets | -0.7831% | 4,849 |
| Return on Equity (ROE) | -0.6896% | 4,776 |
| Retained earnings to average equity (ytd only) | -0.6896% | 4,632 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 168.9655% | 29 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 14.7189% | 4,894 |
| Equity capital to assets | 85.1339% | 17 |
| Core capital (leverage) ratio | 85.1841% | 20 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 423.4261% | 8 |
| Memoranda: | ||
| Average total assets | $3,405,250 | 4,923 |
| Average earning assets | $3,385,750 | 4,911 |
| Average equity | $2,900,000 | 4,839 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1215% | 4,900 |
| Cost of funding earning assets | 0.0000% | 4,930 |
| Net interest margin | 1.1215% | 4,890 |
| Noninterest income to average assets | 0.0000% | 4,919 |
| Noninterest expense to average assets | 1.8192% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | -0.5282% | 4,871 |
| Return on assets (ROA) | -0.5282% | 4,874 |
| Pretax return on assets | -0.7042% | 4,881 |
| Return on Equity (ROE) | -0.6201% | 4,805 |
| Retained earnings to average equity (ytd only) | -0.6201% | 4,574 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 163.1579% | 34 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 14.6929% | 4,931 |
| Equity capital to assets | 85.1602% | 18 |
| Core capital (leverage) ratio | 85.1852% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 424.3045% | 5 |
| Memoranda: | ||
| Average total assets | $3,408,000 | 4,960 |
| Average earning assets | $3,388,333 | 4,948 |
| Average equity | $2,902,667 | 4,872 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1796% | 4,928 |
| Cost of funding earning assets | 0.0000% | 4,958 |
| Net interest margin | 1.1796% | 4,914 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 1.8766% | 4,039 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -0.4691% | 4,884 |
| Return on assets (ROA) | -0.4691% | 4,887 |
| Pretax return on assets | -0.7037% | 4,908 |
| Return on Equity (ROE) | -0.5508% | 4,804 |
| Retained earnings to average equity (ytd only) | -0.5508% | 4,415 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.0000% | 26 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 14.6714% | 4,958 |
| Equity capital to assets | 85.1819% | 16 |
| Core capital (leverage) ratio | 85.1320% | 20 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 425.0366% | 6 |
| Memoranda: | ||
| Average total assets | $3,410,500 | 4,987 |
| Average earning assets | $3,391,000 | 4,976 |
| Average equity | $2,905,000 | 4,896 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1451% | 4,963 |
| Cost of funding earning assets | 0.0000% | 4,991 |
| Net interest margin | 1.1451% | 4,950 |
| Noninterest income to average assets | 0.0000% | 4,957 |
| Noninterest expense to average assets | 1.8966% | 4,326 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | -0.5544% | 4,890 |
| Return on assets (ROA) | -0.5544% | 4,893 |
| Pretax return on assets | -0.7586% | 4,905 |
| Return on Equity (ROE) | -0.6510% | 4,804 |
| Retained earnings to average equity (ytd only) | -0.6510% | 4,605 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.6667% | 27 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 14.6499% | 4,980 |
| Equity capital to assets | 85.1743% | 18 |
| Core capital (leverage) ratio | 85.1743% | 18 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 426.2463% | 4 |
| Memoranda: | ||
| Average total assets | $3,427,200 | 5,010 |
| Average earning assets | $3,405,800 | 4,999 |
| Average equity | $2,918,600 | 4,913 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1343% | 5,008 |
| Cost of funding earning assets | 0.0000% | 5,023 |
| Net interest margin | 1.1343% | 4,994 |
| Noninterest income to average assets | 0.0000% | 4,986 |
| Noninterest expense to average assets | 1.5934% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | -0.3498% | 4,871 |
| Return on assets (ROA) | -0.3498% | 4,880 |
| Pretax return on assets | -0.4664% | 4,893 |
| Return on Equity (ROE) | -0.4107% | 4,811 |
| Retained earnings to average equity (ytd only) | -0.4107% | 4,543 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 141.3793% | 46 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 14.6156% | 5,014 |
| Equity capital to assets | 85.2675% | 18 |
| Core capital (leverage) ratio | 85.2924% | 18 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 424.5997% | 7 |
| Memoranda: | ||
| Average total assets | $3,430,750 | 5,042 |
| Average earning assets | $3,408,750 | 5,031 |
| Average equity | $2,921,500 | 4,940 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1133% | 5,054 |
| Cost of funding earning assets | 0.0000% | 5,057 |
| Net interest margin | 1.1133% | 5,043 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 1.5725% | 4,802 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.3494% | 4,890 |
| Return on assets (ROA) | -0.3494% | 4,889 |
| Pretax return on assets | -0.4659% | 4,895 |
| Return on Equity (ROE) | -0.4105% | 4,818 |
| Retained earnings to average equity (ytd only) | -0.4105% | 4,385 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.1053% | 48 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 14.5603% | 5,047 |
| Equity capital to assets | 85.0320% | 17 |
| Core capital (leverage) ratio | 85.3053% | 19 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 423.8026% | 7 |
| Memoranda: | ||
| Average total assets | $3,434,000 | 5,075 |
| Average earning assets | $3,413,333 | 5,064 |
| Average equity | $2,923,000 | 4,971 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0537% | 5,111 |
| Cost of funding earning assets | 0.0000% | 5,101 |
| Net interest margin | 1.0537% | 5,105 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 1.5143% | 4,909 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.3494% | 4,897 |
| Return on assets (ROA) | -0.3494% | 4,870 |
| Pretax return on assets | -0.4659% | 4,880 |
| Return on Equity (ROE) | -0.4103% | 4,767 |
| Retained earnings to average equity (ytd only) | -0.4103% | 4,056 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 144.4444% | 64 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 14.5900% | 5,093 |
| Equity capital to assets | 85.2933% | 21 |
| Core capital (leverage) ratio | 85.2684% | 24 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 424.8547% | 6 |
| Memoranda: | ||
| Average total assets | $3,434,000 | 5,125 |
| Average earning assets | $3,416,500 | 5,113 |
| Average equity | $2,924,500 | 5,017 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7823% | 5,151 |
| Cost of funding earning assets | 0.0000% | 5,167 |
| Net interest margin | 1.7823% | 5,114 |
| Noninterest income to average assets | 0.0000% | 5,130 |
| Noninterest expense to average assets | 1.9467% | 4,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -0.1162% | 5,006 |
| Return on assets (ROA) | -0.1162% | 5,017 |
| Pretax return on assets | -0.1743% | 5,015 |
| Return on Equity (ROE) | -0.1364% | 4,996 |
| Retained earnings to average equity (ytd only) | -0.1364% | 4,723 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.8361% | 105 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 14.5307% | 5,154 |
| Equity capital to assets | 85.0334% | 25 |
| Core capital (leverage) ratio | 85.0334% | 22 |
| Tier 1 risk-based capital ratio | 424.0580% | 12 |
| Total risk-based capital ratio | 424.0580% | 12 |
| Memoranda: | ||
| Average total assets | $3,441,800 | 5,186 |
| Average earning assets | $3,422,600 | 5,173 |
| Average equity | $2,932,200 | 5,074 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9480% | 5,230 |
| Cost of funding earning assets | 0.0000% | 5,247 |
| Net interest margin | 1.9480% | 5,186 |
| Noninterest income to average assets | 0.0000% | 5,208 |
| Noninterest expense to average assets | 1.6270% | 4,984 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.2324% | 4,922 |
| Return on assets (ROA) | 0.2324% | 4,932 |
| Pretax return on assets | 0.3100% | 4,894 |
| Return on Equity (ROE) | 0.2727% | 5,069 |
| Retained earnings to average equity (ytd only) | 0.2727% | 4,711 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0000% | 615 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 14.5222% | 5,236 |
| Equity capital to assets | 85.2745% | 19 |
| Core capital (leverage) ratio | 85.2992% | 22 |
| Tier 1 risk-based capital ratio | 427.3654% | 11 |
| Total risk-based capital ratio | 427.3654% | 11 |
| Memoranda: | ||
| Average total assets | $3,442,000 | 5,265 |
| Average earning assets | $3,422,500 | 5,252 |
| Average equity | $2,933,750 | 5,150 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0460% | 5,283 |
| Cost of funding earning assets | 0.0000% | 5,294 |
| Net interest margin | 2.0460% | 5,236 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 1.5690% | 5,079 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.3487% | 4,806 |
| Return on assets (ROA) | 0.3487% | 4,823 |
| Pretax return on assets | 0.4649% | 4,749 |
| Return on Equity (ROE) | 0.4091% | 5,091 |
| Retained earnings to average equity (ytd only) | 0.4091% | 4,589 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1429% | 1,254 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 14.5264% | 5,283 |
| Equity capital to assets | 85.2992% | 19 |
| Core capital (leverage) ratio | 85.3737% | 22 |
| Tier 1 risk-based capital ratio | 427.3654% | 8 |
| Total risk-based capital ratio | 427.3654% | 8 |
| Memoranda: | ||
| Average total assets | $3,441,670 | 5,312 |
| Average earning assets | $3,421,330 | 5,298 |
| Average equity | $2,933,000 | 5,191 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1050% | 5,352 |
| Cost of funding earning assets | 0.0000% | 5,351 |
| Net interest margin | 2.1050% | 5,300 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 1.6272% | 5,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.3487% | 4,838 |
| Return on assets (ROA) | 0.3487% | 4,843 |
| Pretax return on assets | 0.4649% | 4,753 |
| Return on Equity (ROE) | 0.4093% | 5,126 |
| Retained earnings to average equity (ytd only) | 0.4093% | 4,454 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7778% | 1,294 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | 0.0000% | 5,323 |
| Total domestic deposits to total assets | 14.5391% | 5,341 |
| Equity capital to assets | 85.2864% | 20 |
| Core capital (leverage) ratio | 85.3112% | 21 |
| Tier 1 risk-based capital ratio | 427.5510% | 8 |
| Total risk-based capital ratio | 427.5510% | 8 |
| Memoranda: | ||
| Average total assets | $3,441,500 | 5,371 |
| Average earning assets | $3,420,500 | 5,356 |
| Average equity | $2,931,500 | 5,246 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5206% | 5,387 |
| Cost of funding earning assets | 0.0000% | 5,396 |
| Net interest margin | 1.5206% | 5,372 |
| Noninterest income to average assets | 0.0000% | 5,351 |
| Noninterest expense to average assets | 1.6873% | 5,105 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -0.1455% | 5,263 |
| Return on assets (ROA) | -0.1455% | 5,258 |
| Pretax return on assets | -0.1746% | 5,261 |
| Return on Equity (ROE) | -0.1706% | 5,238 |
| Retained earnings to average equity (ytd only) | -0.1706% | 5,010 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.5385% | 77 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 14.5180% | 5,383 |
| Equity capital to assets | 85.0755% | 21 |
| Core capital (leverage) ratio | 85.3978% | 19 |
| Tier 1 risk-based capital ratio | 426.4920% | 11 |
| Total risk-based capital ratio | 426.4920% | 11 |
| Memoranda: | ||
| Average total assets | $3,437,400 | 5,414 |
| Average earning assets | $3,419,800 | 5,400 |
| Average equity | $2,930,800 | 5,285 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3650% | 5,467 |
| Cost of funding earning assets | 0.0000% | 5,467 |
| Net interest margin | 1.3650% | 5,458 |
| Noninterest income to average assets | 0.0000% | 5,427 |
| Noninterest expense to average assets | 1.7076% | 5,127 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.2716% | 5,361 |
| Return on assets (ROA) | -0.2716% | 5,359 |
| Pretax return on assets | -0.3493% | 5,367 |
| Return on Equity (ROE) | -0.3183% | 5,311 |
| Retained earnings to average equity (ytd only) | -0.3183% | 5,077 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.7143% | 47 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 14.5773% | 5,456 |
| Equity capital to assets | 85.3644% | 21 |
| Core capital (leverage) ratio | 85.3644% | 21 |
| Tier 1 risk-based capital ratio | 426.8222% | 10 |
| Total risk-based capital ratio | 426.8222% | 10 |
| Memoranda: | ||
| Average total assets | $3,435,750 | 5,486 |
| Average earning assets | $3,419,000 | 5,473 |
| Average equity | $2,931,000 | 5,354 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2282% | 5,532 |
| Cost of funding earning assets | 0.0000% | 5,529 |
| Net interest margin | 1.2282% | 5,527 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 1.6290% | 5,247 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.2909% | 5,411 |
| Return on assets (ROA) | -0.2909% | 5,404 |
| Pretax return on assets | -0.4073% | 5,417 |
| Return on Equity (ROE) | -0.3411% | 5,352 |
| Retained earnings to average equity (ytd only) | -0.3411% | 5,002 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 133.3333% | 45 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 14.5603% | 5,519 |
| Equity capital to assets | 85.3232% | 22 |
| Core capital (leverage) ratio | 85.5225% | 21 |
| Tier 1 risk-based capital ratio | 425.8721% | 12 |
| Total risk-based capital ratio | 425.8721% | 12 |
| Memoranda: | ||
| Average total assets | $3,437,670 | 5,550 |
| Average earning assets | $3,419,670 | 5,538 |
| Average equity | $2,932,000 | 5,417 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0522% | 5,601 |
| Cost of funding earning assets | 0.0000% | 5,593 |
| Net interest margin | 1.0522% | 5,598 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 1.6281% | 5,309 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -0.4652% | 5,491 |
| Return on assets (ROA) | -0.4652% | 5,488 |
| Pretax return on assets | -0.5815% | 5,504 |
| Return on Equity (ROE) | -0.5455% | 5,402 |
| Retained earnings to average equity (ytd only) | -0.5455% | 4,865 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.5556% | 30 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | 0.0000% | 5,567 |
| Total domestic deposits to total assets | 14.5222% | 5,582 |
| Equity capital to assets | 85.1292% | 23 |
| Core capital (leverage) ratio | 85.2531% | 22 |
| Tier 1 risk-based capital ratio | 426.0174% | 10 |
| Total risk-based capital ratio | 426.0174% | 10 |
| Memoranda: | ||
| Average total assets | $3,439,500 | 5,615 |
| Average earning assets | $3,421,500 | 5,601 |
| Average equity | $2,933,000 | 5,472 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7004% | 5,661 |
| Cost of funding earning assets | 0.0000% | 5,660 |
| Net interest margin | 0.7004% | 5,659 |
| Noninterest income to average assets | 0.0000% | 5,617 |
| Noninterest expense to average assets | 2.3473% | 4,215 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -1.0143% | 5,587 |
| Return on assets (ROA) | -1.0143% | 5,588 |
| Pretax return on assets | -1.6518% | 5,638 |
| Return on Equity (ROE) | -1.1875% | 5,435 |
| Retained earnings to average equity (ytd only) | -1.1875% | 5,202 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 337.5000% | 7 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 14.5518% | 5,647 |
| Equity capital to assets | 85.4191% | 19 |
| Core capital (leverage) ratio | 85.0478% | 17 |
| Tier 1 risk-based capital ratio | 427.8426% | 11 |
| Total risk-based capital ratio | 427.8426% | 11 |
| Memoranda: | ||
| Average total assets | $3,450,800 | 5,679 |
| Average earning assets | $3,426,400 | 5,666 |
| Average equity | $2,947,400 | 5,534 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6221% | 5,731 |
| Cost of funding earning assets | 0.0000% | 5,725 |
| Net interest margin | 0.6221% | 5,729 |
| Noninterest income to average assets | 0.0000% | 5,683 |
| Noninterest expense to average assets | 2.5859% | 3,452 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -1.1964% | 5,684 |
| Return on assets (ROA) | -1.1964% | 5,686 |
| Pretax return on assets | -1.9684% | 5,709 |
| Return on Equity (ROE) | -1.4008% | 5,572 |
| Retained earnings to average equity (ytd only) | -1.4008% | 5,384 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 418.7500% | 6 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 14.4844% | 5,714 |
| Equity capital to assets | 85.1390% | 19 |
| Core capital (leverage) ratio | 85.2625% | 22 |
| Tier 1 risk-based capital ratio | 427.1802% | 10 |
| Total risk-based capital ratio | 427.1802% | 10 |
| Memoranda: | ||
| Average total assets | $3,454,500 | 5,746 |
| Average earning assets | $3,428,750 | 5,732 |
| Average equity | $2,950,500 | 5,598 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5250% | 5,783 |
| Cost of funding earning assets | 0.0000% | 5,773 |
| Net interest margin | 0.5250% | 5,782 |
| Noninterest income to average assets | 0.0000% | 5,731 |
| Noninterest expense to average assets | 3.0098% | 2,080 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.5049% | 5,751 |
| Return on assets (ROA) | -1.5049% | 5,752 |
| Pretax return on assets | -2.4889% | 5,763 |
| Return on Equity (ROE) | -1.7601% | 5,620 |
| Retained earnings to average equity (ytd only) | -1.7601% | 5,326 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 577.7778% | 4 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 14.5138% | 5,765 |
| Equity capital to assets | 85.4572% | 20 |
| Core capital (leverage) ratio | 85.3538% | 22 |
| Tier 1 risk-based capital ratio | 428.3843% | 11 |
| Total risk-based capital ratio | 428.3843% | 11 |
| Memoranda: | ||
| Average total assets | $3,455,330 | 5,796 |
| Average earning assets | $3,428,670 | 5,782 |
| Average equity | $2,954,330 | 5,643 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3496% | 5,853 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 0.3496% | 5,851 |
| Noninterest income to average assets | 0.0000% | 5,808 |
| Noninterest expense to average assets | 4.2768% | 393 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -2.4274% | 5,830 |
| Return on assets (ROA) | -2.4274% | 5,830 |
| Pretax return on assets | -3.9301% | 5,839 |
| Return on Equity (ROE) | -2.8383% | 5,705 |
| Retained earnings to average equity (ytd only) | -2.8383% | 5,249 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,233.3333% | 3 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 14.4928% | 5,831 |
| Equity capital to assets | 85.4783% | 25 |
| Core capital (leverage) ratio | 84.9422% | 23 |
| Tier 1 risk-based capital ratio | 427.8020% | 12 |
| Total risk-based capital ratio | 427.8020% | 12 |
| Memoranda: | ||
| Average total assets | $3,460,500 | 5,865 |
| Average earning assets | $3,432,500 | 5,851 |
| Average equity | $2,959,500 | 5,702 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1154% | 5,910 |
| Cost of funding earning assets | 0.0000% | 5,897 |
| Net interest margin | 0.1154% | 5,910 |
| Noninterest income to average assets | 0.0000% | 5,853 |
| Noninterest expense to average assets | 1.5483% | 5,689 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -0.8889% | 5,827 |
| Return on assets (ROA) | -0.8889% | 5,831 |
| Pretax return on assets | -1.4337% | 5,855 |
| Return on Equity (ROE) | -1.0383% | 5,708 |
| Retained earnings to average equity (ytd only) | -1.0383% | 5,449 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,350.0000% | 1 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 14.4051% | 5,889 |
| Equity capital to assets | 85.5661% | 22 |
| Core capital (leverage) ratio | 85.4143% | 18 |
| Tier 1 risk-based capital ratio | 429.0462% | 9 |
| Total risk-based capital ratio | 429.0462% | 9 |
| Memoranda: | ||
| Average total assets | $3,487,600 | 5,922 |
| Average earning assets | $3,465,000 | 5,908 |
| Average equity | $2,985,600 | 5,760 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1153% | 5,977 |
| Cost of funding earning assets | 0.0000% | 5,963 |
| Net interest margin | 0.1153% | 5,977 |
| Noninterest income to average assets | 0.0000% | 5,922 |
| Noninterest expense to average assets | 1.5657% | 5,717 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -0.8784% | 5,896 |
| Return on assets (ROA) | -0.8784% | 5,899 |
| Pretax return on assets | -1.4511% | 5,922 |
| Return on Equity (ROE) | -1.0259% | 5,782 |
| Retained earnings to average equity (ytd only) | -1.0259% | 5,495 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,366.6667% | 1 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 14.3761% | 5,957 |
| Equity capital to assets | 85.6239% | 20 |
| Core capital (leverage) ratio | 84.9100% | 22 |
| Tier 1 risk-based capital ratio | 429.3353% | 9 |
| Total risk-based capital ratio | 429.3353% | 9 |
| Memoranda: | ||
| Average total assets | $3,491,750 | 5,989 |
| Average earning assets | $3,467,750 | 5,975 |
| Average equity | $2,989,500 | 5,821 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1152% | 6,055 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 0.1152% | 6,055 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 1.5445% | 5,804 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.8580% | 5,967 |
| Return on assets (ROA) | -0.8580% | 5,971 |
| Pretax return on assets | -1.4301% | 5,992 |
| Return on Equity (ROE) | -1.0022% | 5,839 |
| Retained earnings to average equity (ytd only) | -1.0022% | 5,437 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,350.0000% | 1 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 14.3431% | 6,035 |
| Equity capital to assets | 85.6569% | 18 |
| Core capital (leverage) ratio | 85.4483% | 20 |
| Tier 1 risk-based capital ratio | 429.8271% | 9 |
| Total risk-based capital ratio | 429.8271% | 9 |
| Memoranda: | ||
| Average total assets | $3,496,330 | 6,067 |
| Average earning assets | $3,472,670 | 6,053 |
| Average equity | $2,993,330 | 5,892 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1150% | 6,118 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 0.1150% | 6,118 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 1.5993% | 5,830 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.9139% | 6,020 |
| Return on assets (ROA) | -0.9139% | 6,021 |
| Pretax return on assets | -1.4851% | 6,050 |
| Return on Equity (ROE) | -1.0677% | 5,876 |
| Retained earnings to average equity (ytd only) | -1.0677% | 5,287 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,400.0000% | 2 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 14.3143% | 6,099 |
| Equity capital to assets | 85.6857% | 23 |
| Core capital (leverage) ratio | 85.2740% | 21 |
| Tier 1 risk-based capital ratio | 430.5476% | 10 |
| Total risk-based capital ratio | 430.5476% | 10 |
| Memoranda: | ||
| Average total assets | $3,501,500 | 6,131 |
| Average earning assets | $3,477,000 | 6,117 |
| Average equity | $2,997,000 | 5,947 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2558% | 6,177 |
| Cost of funding earning assets | 0.0000% | 6,168 |
| Net interest margin | 0.2558% | 6,175 |
| Noninterest income to average assets | 0.0000% | 6,104 |
| Noninterest expense to average assets | 3.2937% | 1,732 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -1.9143% | 6,137 |
| Return on assets (ROA) | -1.9143% | 6,137 |
| Pretax return on assets | -3.0404% | 6,162 |
| Return on Equity (ROE) | -2.2398% | 5,988 |
| Retained earnings to average equity (ytd only) | -2.2398% | 5,765 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,300.0000% | 2 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 14.2450% | 6,158 |
| Equity capital to assets | 85.4986% | 21 |
| Core capital (leverage) ratio | 85.0539% | 17 |
| Tier 1 risk-based capital ratio | 429.6562% | 10 |
| Total risk-based capital ratio | 429.6562% | 10 |
| Memoranda: | ||
| Average total assets | $3,552,200 | 6,191 |
| Average earning assets | $3,518,400 | 6,177 |
| Average equity | $3,036,000 | 5,999 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2646% | 6,262 |
| Cost of funding earning assets | 0.0000% | 6,253 |
| Net interest margin | 0.2646% | 6,259 |
| Noninterest income to average assets | 0.0000% | 6,192 |
| Noninterest expense to average assets | 3.2932% | 1,706 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -1.7964% | 6,224 |
| Return on assets (ROA) | -1.7964% | 6,225 |
| Pretax return on assets | -3.0314% | 6,245 |
| Return on Equity (ROE) | -2.1020% | 6,070 |
| Retained earnings to average equity (ytd only) | -2.1020% | 5,864 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,257.1429% | 3 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 14.1723% | 6,244 |
| Equity capital to assets | 85.6293% | 19 |
| Core capital (leverage) ratio | 85.1631% | 20 |
| Tier 1 risk-based capital ratio | 430.0860% | 11 |
| Total risk-based capital ratio | 430.0860% | 11 |
| Memoranda: | ||
| Average total assets | $3,562,750 | 6,279 |
| Average earning assets | $3,526,250 | 6,265 |
| Average equity | $3,044,750 | 6,080 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2260% | 6,343 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 0.2260% | 6,341 |
| Noninterest income to average assets | 0.0000% | 6,260 |
| Noninterest expense to average assets | 3.3013% | 1,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -1.7905% | 6,298 |
| Return on assets (ROA) | -1.7905% | 6,297 |
| Pretax return on assets | -3.0775% | 6,323 |
| Return on Equity (ROE) | -2.0965% | 6,133 |
| Retained earnings to average equity (ytd only) | -2.0965% | 5,839 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,475.0000% | 3 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 14.1044% | 6,320 |
| Equity capital to assets | 85.6700% | 20 |
| Core capital (leverage) ratio | 85.2718% | 20 |
| Tier 1 risk-based capital ratio | 430.7255% | 10 |
| Total risk-based capital ratio | 430.7255% | 11 |
| Memoranda: | ||
| Average total assets | $3,574,330 | 6,357 |
| Average earning assets | $3,539,670 | 6,341 |
| Average equity | $3,052,670 | 6,143 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3376% | 6,407 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 0.3376% | 6,405 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 3.5665% | 1,182 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -1.8947% | 6,363 |
| Return on assets (ROA) | -1.8947% | 6,367 |
| Pretax return on assets | -3.2321% | 6,389 |
| Return on Equity (ROE) | -2.2219% | 6,178 |
| Retained earnings to average equity (ytd only) | -2.2219% | 5,707 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,066.6667% | 1 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 14.0489% | 6,391 |
| Equity capital to assets | 85.7544% | 21 |
| Core capital (leverage) ratio | 84.4961% | 22 |
| Tier 1 risk-based capital ratio | 424.4784% | 9 |
| Total risk-based capital ratio | 424.4784% | 9 |
| Memoranda: | ||
| Average total assets | $3,589,000 | 6,427 |
| Average earning assets | $3,554,000 | 6,411 |
| Average equity | $3,060,500 | 6,203 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2509% | 6,500 |
| Cost of funding earning assets | 0.0000% | 6,493 |
| Net interest margin | 0.2509% | 6,498 |
| Noninterest income to average assets | 0.0000% | 6,390 |
| Noninterest expense to average assets | 3.4703% | 1,549 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -1.8178% | 6,452 |
| Return on assets (ROA) | -1.8178% | 6,451 |
| Pretax return on assets | -3.2224% | 6,480 |
| Return on Equity (ROE) | -2.1257% | 6,217 |
| Retained earnings to average equity (ytd only) | -2.1257% | 6,025 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,400.0000% | 1 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 13.8160% | 6,481 |
| Equity capital to assets | 84.8024% | 21 |
| Core capital (leverage) ratio | 85.1194% | 15 |
| Tier 1 risk-based capital ratio | 424.6537% | 10 |
| Total risk-based capital ratio | 424.6537% | 10 |
| Memoranda: | ||
| Average total assets | $3,630,800 | 6,518 |
| Average earning assets | $3,586,800 | 6,503 |
| Average equity | $3,104,800 | 6,246 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2602% | 6,580 |
| Cost of funding earning assets | 0.0000% | 6,574 |
| Net interest margin | 0.2602% | 6,578 |
| Noninterest income to average assets | 0.0000% | 6,477 |
| Noninterest expense to average assets | 3.0822% | 2,519 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.5777% | 6,505 |
| Return on assets (ROA) | -1.5777% | 6,502 |
| Pretax return on assets | -2.8252% | 6,552 |
| Return on Equity (ROE) | -1.8412% | 6,274 |
| Retained earnings to average equity (ytd only) | -1.8412% | 6,054 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,200.0000% | 1 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 13.8850% | 6,561 |
| Equity capital to assets | 85.8650% | 15 |
| Core capital (leverage) ratio | 85.6387% | 14 |
| Tier 1 risk-based capital ratio | 422.6648% | 9 |
| Total risk-based capital ratio | 422.6648% | 9 |
| Memoranda: | ||
| Average total assets | $3,633,750 | 6,597 |
| Average earning assets | $3,586,250 | 6,584 |
| Average equity | $3,113,750 | 6,319 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2781% | 6,645 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 0.2781% | 6,644 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 3.0181% | 2,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -1.5365% | 6,577 |
| Return on assets (ROA) | -1.5365% | 6,575 |
| Pretax return on assets | -2.7437% | 6,617 |
| Return on Equity (ROE) | -1.7943% | 6,316 |
| Retained earnings to average equity (ytd only) | -1.7943% | 5,966 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,100.0000% | 1 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 13.8619% | 6,629 |
| Equity capital to assets | 86.1381% | 15 |
| Core capital (leverage) ratio | 85.6000% | 14 |
| Tier 1 risk-based capital ratio | 430.9722% | 8 |
| Total risk-based capital ratio | 430.9722% | 8 |
| Memoranda: | ||
| Average total assets | $3,644,670 | 6,664 |
| Average earning assets | $3,595,670 | 6,650 |
| Average equity | $3,121,000 | 6,366 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2218% | 6,721 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 0.2218% | 6,719 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 2.9480% | 3,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.5286% | 6,635 |
| Return on assets (ROA) | -1.5286% | 6,630 |
| Pretax return on assets | -2.7296% | 6,677 |
| Return on Equity (ROE) | -1.7903% | 6,348 |
| Retained earnings to average equity (ytd only) | -1.7903% | 5,836 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,350.0000% | 1 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 13.6240% | 6,699 |
| Equity capital to assets | 85.0409% | 26 |
| Core capital (leverage) ratio | 85.0964% | 21 |
| Tier 1 risk-based capital ratio | 409.1391% | 13 |
| Total risk-based capital ratio | 409.1391% | 13 |
| Memoranda: | ||
| Average total assets | $3,663,500 | 6,737 |
| Average earning assets | $3,606,500 | 6,723 |
| Average equity | $3,128,000 | 6,419 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2455% | 6,798 |
| Cost of funding earning assets | 0.0000% | 6,798 |
| Net interest margin | 0.2455% | 6,795 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 3.8234% | 1,100 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -2.0194% | 6,717 |
| Return on assets (ROA) | -2.0194% | 6,717 |
| Pretax return on assets | -3.5810% | 6,776 |
| Return on Equity (ROE) | -2.3612% | 6,394 |
| Retained earnings to average equity (ytd only) | -2.3612% | 6,209 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,577.7778% | 3 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 13.6724% | 6,782 |
| Equity capital to assets | 85.7260% | 20 |
| Core capital (leverage) ratio | 84.2077% | 17 |
| Tier 1 risk-based capital ratio | 419.1117% | 13 |
| Total risk-based capital ratio | 419.1117% | 13 |
| Memoranda: | ||
| Average total assets | $3,714,000 | 6,819 |
| Average earning assets | $3,666,600 | 6,807 |
| Average equity | $3,176,400 | 6,502 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2534% | 6,878 |
| Cost of funding earning assets | 0.0000% | 6,877 |
| Net interest margin | 0.2534% | 6,875 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 3.2900% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -1.7166% | 6,780 |
| Return on assets (ROA) | -1.7166% | 6,781 |
| Pretax return on assets | -3.0398% | 6,845 |
| Return on Equity (ROE) | -2.0083% | 6,484 |
| Retained earnings to average equity (ytd only) | -2.0083% | 6,268 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,314.2857% | 2 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 13.3333% | 6,862 |
| Equity capital to assets | 84.3200% | 18 |
| Core capital (leverage) ratio | 85.1602% | 15 |
| Tier 1 risk-based capital ratio | 428.4553% | 11 |
| Total risk-based capital ratio | 428.4553% | 11 |
| Memoranda: | ||
| Average total assets | $3,728,250 | 6,898 |
| Average earning assets | $3,682,000 | 6,886 |
| Average equity | $3,186,750 | 6,572 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2716% | 6,929 |
| Cost of funding earning assets | 0.0000% | 6,924 |
| Net interest margin | 0.2716% | 6,926 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 3.2787% | 2,135 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -1.6662% | 6,825 |
| Return on assets (ROA) | -1.6662% | 6,827 |
| Pretax return on assets | -3.0099% | 6,894 |
| Return on Equity (ROE) | -1.9405% | 6,522 |
| Retained earnings to average equity (ytd only) | -1.9405% | 6,186 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,220.0000% | 2 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 13.4662% | 6,912 |
| Equity capital to assets | 85.6181% | 16 |
| Core capital (leverage) ratio | 85.6412% | 13 |
| Tier 1 risk-based capital ratio | 431.3433% | 10 |
| Total risk-based capital ratio | 431.3433% | 10 |
| Memoranda: | ||
| Average total assets | $3,721,000 | 6,947 |
| Average earning assets | $3,682,330 | 6,935 |
| Average equity | $3,195,000 | 6,620 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2172% | 7,009 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 0.2172% | 7,004 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 2.8993% | 3,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -1.5034% | 6,885 |
| Return on assets (ROA) | -1.5034% | 6,889 |
| Pretax return on assets | -2.6846% | 6,946 |
| Return on Equity (ROE) | -1.7484% | 6,546 |
| Retained earnings to average equity (ytd only) | -1.7484% | 6,049 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,350.0000% | 4 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 13.4626% | 6,987 |
| Equity capital to assets | 86.0528% | 19 |
| Core capital (leverage) ratio | 86.0841% | 13 |
| Tier 1 risk-based capital ratio | 429.6097% | 10 |
| Total risk-based capital ratio | 429.6097% | 10 |
| Memoranda: | ||
| Average total assets | $3,725,000 | 7,025 |
| Average earning assets | $3,684,000 | 7,013 |
| Average equity | $3,203,000 | 6,679 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2509% | 7,069 |
| Cost of funding earning assets | 0.0000% | 7,072 |
| Net interest margin | 0.2509% | 7,066 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 2.8948% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -1.4872% | 6,851 |
| Return on assets (ROA) | -1.4872% | 6,862 |
| Pretax return on assets | -2.6558% | 6,989 |
| Return on Equity (ROE) | -1.7294% | 6,439 |
| Retained earnings to average equity (ytd only) | -1.7294% | 6,123 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,211.1111% | 3 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 13.3833% | 7,050 |
| Equity capital to assets | 85.9208% | 18 |
| Core capital (leverage) ratio | 85.9786% | 13 |
| Tier 1 risk-based capital ratio | 430.4698% | 12 |
| Total risk-based capital ratio | 430.4698% | 12 |
| Memoranda: | ||
| Average total assets | $3,765,400 | 7,090 |
| Average earning assets | $3,587,200 | 7,077 |
| Average equity | $3,238,200 | 6,738 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2621% | 7,171 |
| Cost of funding earning assets | 0.0000% | 7,171 |
| Net interest margin | 0.2621% | 7,171 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 2.8979% | 3,608 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -1.4843% | 6,967 |
| Return on assets (ROA) | -1.4843% | 6,977 |
| Pretax return on assets | -2.6506% | 7,089 |
| Return on Equity (ROE) | -1.7256% | 6,549 |
| Retained earnings to average equity (ytd only) | -1.7256% | 6,362 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,171.4286% | 2 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 13.3298% | 7,154 |
| Equity capital to assets | 85.9504% | 16 |
| Core capital (leverage) ratio | 85.2925% | 14 |
| Tier 1 risk-based capital ratio | 337.7506% | 16 |
| Total risk-based capital ratio | 337.7506% | 16 |
| Memoranda: | ||
| Average total assets | $3,772,750 | 7,187 |
| Average earning assets | $3,560,000 | 7,173 |
| Average equity | $3,245,250 | 6,825 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2799% | 7,235 |
| Cost of funding earning assets | 0.0000% | 7,233 |
| Net interest margin | 0.2799% | 7,235 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 2.8571% | 3,789 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -1.4286% | 7,007 |
| Return on assets (ROA) | -1.4286% | 7,024 |
| Pretax return on assets | -2.5926% | 7,125 |
| Return on Equity (ROE) | -1.6603% | 6,597 |
| Retained earnings to average equity (ytd only) | -1.6603% | 6,313 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,080.0000% | 2 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 13.2802% | 7,221 |
| Equity capital to assets | 86.0292% | 15 |
| Core capital (leverage) ratio | 85.4231% | 11 |
| Tier 1 risk-based capital ratio | 342.9372% | 14 |
| Total risk-based capital ratio | 342.9372% | 14 |
| Memoranda: | ||
| Average total assets | $3,780,000 | 7,251 |
| Average earning assets | $3,572,330 | 7,236 |
| Average equity | $3,252,330 | 6,860 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2232% | 7,300 |
| Cost of funding earning assets | 0.0000% | 7,293 |
| Net interest margin | 0.2232% | 7,299 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 2.8515% | 3,821 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -1.4785% | 7,087 |
| Return on assets (ROA) | -1.4785% | 7,094 |
| Pretax return on assets | -2.6403% | 7,187 |
| Return on Equity (ROE) | -1.7183% | 6,667 |
| Retained earnings to average equity (ytd only) | -1.7183% | 6,242 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,350.0000% | 2 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 13.2345% | 7,285 |
| Equity capital to assets | 86.0773% | 15 |
| Core capital (leverage) ratio | 85.4727% | 11 |
| Tier 1 risk-based capital ratio | 348.3616% | 12 |
| Total risk-based capital ratio | 348.3616% | 12 |
| Memoranda: | ||
| Average total assets | $3,787,500 | 7,314 |
| Average earning assets | $3,585,000 | 7,299 |
| Average equity | $3,259,000 | 6,909 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2463% | 7,347 |
| Cost of funding earning assets | 0.0000% | 7,346 |
| Net interest margin | 0.2463% | 7,346 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 3.2919% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -1.6982% | 6,959 |
| Return on assets (ROA) | -1.6982% | 6,979 |
| Pretax return on assets | -3.0567% | 7,188 |
| Return on Equity (ROE) | -1.9705% | 6,331 |
| Retained earnings to average equity (ytd only) | -1.9705% | 6,152 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,400.0000% | 4 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 13.1683% | 7,330 |
| Equity capital to assets | 86.0153% | 12 |
| Core capital (leverage) ratio | 86.1969% | 9 |
| Tier 1 risk-based capital ratio | 370.7151% | 11 |
| Total risk-based capital ratio | 370.7151% | 11 |
| Memoranda: | ||
| Average total assets | $3,827,600 | 7,363 |
| Average earning assets | $3,654,000 | 7,349 |
| Average equity | $3,298,600 | 6,932 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2544% | 7,425 |
| Cost of funding earning assets | 0.0000% | 7,423 |
| Net interest margin | 0.2544% | 7,421 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 3.3025% | 2,485 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.7034% | 7,088 |
| Return on assets (ROA) | -1.7034% | 7,097 |
| Pretax return on assets | -3.0593% | 7,274 |
| Return on Equity (ROE) | -1.9757% | 6,476 |
| Retained earnings to average equity (ytd only) | -1.9757% | 6,294 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,357.1429% | 2 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 13.1130% | 7,406 |
| Equity capital to assets | 86.0740% | 16 |
| Core capital (leverage) ratio | 86.1870% | 14 |
| Tier 1 risk-based capital ratio | 375.9450% | 14 |
| Total risk-based capital ratio | 375.9450% | 14 |
| Memoranda: | ||
| Average total assets | $3,835,250 | 7,441 |
| Average earning assets | $3,667,750 | 7,427 |
| Average equity | $3,306,750 | 6,989 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2717% | 7,498 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 0.2717% | 7,495 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 3.2269% | 2,813 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.6655% | 7,136 |
| Return on assets (ROA) | -1.6655% | 7,145 |
| Pretax return on assets | -2.9667% | 7,304 |
| Return on Equity (ROE) | -1.9306% | 6,509 |
| Retained earnings to average equity (ytd only) | -1.9306% | 6,239 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,240.0000% | 5 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 13.0548% | 7,479 |
| Equity capital to assets | 86.1358% | 17 |
| Core capital (leverage) ratio | 86.2484% | 14 |
| Tier 1 risk-based capital ratio | 380.5075% | 15 |
| Total risk-based capital ratio | 380.5075% | 15 |
| Memoranda: | ||
| Average total assets | $3,842,670 | 7,517 |
| Average earning assets | $3,681,000 | 7,504 |
| Average equity | $3,315,000 | 7,036 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2166% | 7,565 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 0.2166% | 7,561 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 3.2216% | 2,810 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -1.6628% | 7,234 |
| Return on assets (ROA) | -1.6628% | 7,237 |
| Pretax return on assets | -3.0138% | 7,377 |
| Return on Equity (ROE) | -1.9260% | 6,575 |
| Retained earnings to average equity (ytd only) | -1.9260% | 6,130 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,550.0000% | 2 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 13.0344% | 7,543 |
| Equity capital to assets | 86.4181% | 13 |
| Core capital (leverage) ratio | 86.4407% | 13 |
| Tier 1 risk-based capital ratio | 386.3636% | 13 |
| Total risk-based capital ratio | 386.3636% | 13 |
| Memoranda: | ||
| Average total assets | $3,849,000 | 7,578 |
| Average earning assets | $3,693,500 | 7,563 |
| Average equity | $3,323,000 | 7,072 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2386% | 7,637 |
| Cost of funding earning assets | 0.0000% | 7,641 |
| Net interest margin | 0.2386% | 7,626 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 3.2589% | 2,876 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.6936% | 6,970 |
| Return on assets (ROA) | -1.6936% | 6,991 |
| Pretax return on assets | -3.0280% | 7,299 |
| Return on Equity (ROE) | -1.9618% | 6,168 |
| Retained earnings to average equity (ytd only) | -1.9618% | 5,964 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,411.1111% | 5 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 13.7494% | 7,621 |
| Equity capital to assets | 86.2506% | 18 |
| Core capital (leverage) ratio | 86.3625% | 16 |
| Tier 1 risk-based capital ratio | 390.5041% | 15 |
| Total risk-based capital ratio | 390.5041% | 15 |
| Memoranda: | ||
| Average total assets | $3,897,000 | 7,661 |
| Average earning assets | $3,772,200 | 7,649 |
| Average equity | $3,364,200 | 7,173 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2464% | 7,749 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 0.2464% | 7,739 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 3.2429% | 2,766 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -1.6727% | 7,150 |
| Return on assets (ROA) | -1.6727% | 7,162 |
| Pretax return on assets | -3.0040% | 7,417 |
| Return on Equity (ROE) | -1.9371% | 6,391 |
| Retained earnings to average equity (ytd only) | -1.9371% | 6,189 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,357.1429% | 4 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 12.9266% | 7,727 |
| Equity capital to assets | 86.5564% | 15 |
| Core capital (leverage) ratio | 86.6460% | 14 |
| Tier 1 risk-based capital ratio | 397.1530% | 17 |
| Total risk-based capital ratio | 397.1530% | 17 |
| Memoranda: | ||
| Average total assets | $3,905,750 | 7,765 |
| Average earning assets | $3,787,000 | 7,752 |
| Average equity | $3,372,500 | 7,265 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2102% | 7,821 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 0.2102% | 7,811 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 3.2157% | 2,848 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -1.6844% | 7,211 |
| Return on assets (ROA) | -1.6844% | 7,223 |
| Pretax return on assets | -3.0115% | 7,468 |
| Return on Equity (ROE) | -1.9523% | 6,414 |
| Retained earnings to average equity (ytd only) | -1.9523% | 6,139 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,575.0000% | 4 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 12.8700% | 7,795 |
| Equity capital to assets | 86.5894% | 21 |
| Core capital (leverage) ratio | 86.6564% | 18 |
| Tier 1 risk-based capital ratio | 402.3923% | 14 |
| Total risk-based capital ratio | 402.3923% | 14 |
| Memoranda: | ||
| Average total assets | $3,918,330 | 7,834 |
| Average earning assets | $3,805,670 | 7,820 |
| Average equity | $3,380,670 | 7,301 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2090% | 7,926 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 0.2090% | 7,914 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 3.1512% | 3,050 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -1.6264% | 7,369 |
| Return on assets (ROA) | -1.6264% | 7,373 |
| Pretax return on assets | -2.9479% | 7,591 |
| Return on Equity (ROE) | -1.8885% | 6,629 |
| Retained earnings to average equity (ytd only) | -1.8885% | 6,198 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,550.0000% | 9 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 12.7812% | 7,895 |
| Equity capital to assets | 86.4264% | 19 |
| Core capital (leverage) ratio | 86.3602% | 16 |
| Tier 1 risk-based capital ratio | 406.8592% | 11 |
| Total risk-based capital ratio | 406.8592% | 11 |
| Memoranda: | ||
| Average total assets | $3,935,000 | 7,937 |
| Average earning assets | $3,828,500 | 7,923 |
| Average equity | $3,389,000 | 7,377 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2573% | 7,997 |
| Cost of funding earning assets | 0.0000% | 8,000 |
| Net interest margin | 0.2573% | 7,984 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 3.3347% | 2,890 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -1.7179% | 6,972 |
| Return on assets (ROA) | -1.7179% | 6,976 |
| Pretax return on assets | -3.0821% | 7,318 |
| Return on Equity (ROE) | -1.9819% | 5,857 |
| Retained earnings to average equity (ytd only) | -1.9819% | 5,514 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,320.0000% | 10 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 12.6326% | 7,969 |
| Equity capital to assets | 85.8262% | 21 |
| Core capital (leverage) ratio | 86.7688% | 16 |
| Tier 1 risk-based capital ratio | 409.2771% | 11 |
| Total risk-based capital ratio | 409.2771% | 11 |
| Memoranda: | ||
| Average total assets | $3,958,400 | 8,015 |
| Average earning assets | $3,886,600 | 8,002 |
| Average equity | $3,431,000 | 7,463 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2396% | 8,088 |
| Cost of funding earning assets | 0.0000% | 8,084 |
| Net interest margin | 0.2396% | 8,075 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 3.3346% | 2,787 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -1.7178% | 7,201 |
| Return on assets (ROA) | -1.7178% | 7,198 |
| Pretax return on assets | -3.0989% | 7,532 |
| Return on Equity (ROE) | -1.9770% | 6,097 |
| Retained earnings to average equity (ytd only) | -1.9770% | 5,721 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,414.2857% | 10 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 12.6646% | 8,055 |
| Equity capital to assets | 86.4742% | 24 |
| Core capital (leverage) ratio | 87.4488% | 19 |
| Tier 1 risk-based capital ratio | 434.3511% | 9 |
| Total risk-based capital ratio | 434.3511% | 9 |
| Memoranda: | ||
| Average total assets | $3,958,500 | 8,101 |
| Average earning assets | $3,893,750 | 8,088 |
| Average equity | $3,439,500 | 7,530 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2569% | 8,181 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 0.2569% | 8,159 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 3.3317% | 2,847 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -1.7163% | 7,332 |
| Return on assets (ROA) | -1.7163% | 7,329 |
| Pretax return on assets | -3.0793% | 7,590 |
| Return on Equity (ROE) | -1.9722% | 6,221 |
| Retained earnings to average equity (ytd only) | -1.9722% | 5,737 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,320.0000% | 15 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 12.7162% | 8,150 |
| Equity capital to assets | 87.2584% | 20 |
| Core capital (leverage) ratio | 87.2806% | 20 |
| Tier 1 risk-based capital ratio | 427.2727% | 8 |
| Total risk-based capital ratio | 427.2727% | 8 |
| Memoranda: | ||
| Average total assets | $3,962,000 | 8,197 |
| Average earning assets | $3,892,000 | 8,182 |
| Average equity | $3,448,000 | 7,592 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2044% | 8,242 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 0.2044% | 8,221 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 3.2185% | 2,900 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.7098% | 7,575 |
| Return on assets (ROA) | -1.7098% | 7,574 |
| Pretax return on assets | -3.0173% | 7,762 |
| Return on Equity (ROE) | -1.9673% | 6,653 |
| Retained earnings to average equity (ytd only) | -1.9673% | 6,099 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1,600.0000% | 12 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 12.5945% | 8,201 |
| Equity capital to assets | 86.8514% | 18 |
| Core capital (leverage) ratio | 87.0927% | 19 |
| Tier 1 risk-based capital ratio | 431.0000% | 7 |
| Total risk-based capital ratio | 431.0000% | 7 |
| Memoranda: | ||
| Average total assets | $3,977,000 | 8,248 |
| Average earning assets | $3,914,000 | 8,232 |
| Average equity | $3,456,500 | 7,638 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6394% | 8,242 |
| Cost of funding earning assets | 0.0000% | 8,290 |
| Net interest margin | 1.6394% | 8,163 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 3.1091% | 3,661 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -1.3183% | 7,398 |
| Return on assets (ROA) | -1.3183% | 7,339 |
| Pretax return on assets | -1.4924% | 7,248 |
| Return on Equity (ROE) | -1.5157% | 6,437 |
| Retained earnings to average equity (ytd only) | -1.5157% | 5,745 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 192.3077% | 211 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 12.5502% | 8,258 |
| Equity capital to assets | 86.9729% | 23 |
| Core capital (leverage) ratio | 86.9729% | 21 |
| Tier 1 risk-based capital ratio | 437.5000% | 9 |
| Total risk-based capital ratio | 437.5000% | 9 |
| Memoranda: | ||
| Average total assets | $4,020,400 | 8,305 |
| Average earning assets | $3,964,800 | 8,291 |
| Average equity | $3,496,800 | 7,683 |
| Average total loans | NA | NA |