Home > Everence Trust Company > Performance and Condition Ratios
Everence Trust Company, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5255% | 3,858 |
| Cost of funding earning assets | 0.3559% | 4,326 |
| Net interest margin | 4.1696% | 1,005 |
| Noninterest income to average assets | 278.1600% | 4 |
| Noninterest expense to average assets | 275.0618% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 4.3377% | 81 |
| Return on assets (ROA) | 4.5647% | 77 |
| Pretax return on assets | 6.0011% | 73 |
| Return on Equity (ROE) | 5.0500% | 3,527 |
| Retained earnings to average equity (ytd only) | 5.0468% | 2,551 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 97.9650% | 296 |
| Assets per employee ($millions) | 0.3491% | 4,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,373 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,354 |
| Net loans and leases to deposits | 0.0000% | 4,363 |
| Net loans and leases to core deposits | 0.0000% | 4,352 |
| Total domestic deposits to total assets | 3.9800% | 4,371 |
| Equity capital to assets | 91.0885% | 76 |
| Core capital (leverage) ratio | 77.3072% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 202.7597% | 42 |
| Memoranda: | ||
| Average total assets | $12,531,000 | 4,424 |
| Average earning assets | $7,866,500 | 4,410 |
| Average equity | $11,334,000 | 3,672 |
| Average total loans | $0 | 4,354 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8202% | 3,395 |
| Cost of funding earning assets | 0.2882% | 4,357 |
| Net interest margin | 4.5320% | 615 |
| Noninterest income to average assets | 228.1700% | 7 |
| Noninterest expense to average assets | 210.5190% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 14.2314% | 35 |
| Return on assets (ROA) | 14.2314% | 36 |
| Pretax return on assets | 20.0590% | 35 |
| Return on Equity (ROE) | 20.2300% | 388 |
| Retained earnings to average equity (ytd only) | 20.2300% | 57 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 91.3005% | 459 |
| Assets per employee ($millions) | 0.4030% | 4,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,378 |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0000% | 4,400 |
| Total domestic deposits to total assets | 4.0000% | 4,394 |
| Equity capital to assets | 89.8031% | 82 |
| Core capital (leverage) ratio | 75.7195% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 211.5113% | 42 |
| Memoranda: | ||
| Average total assets | $14,362,600 | 4,447 |
| Average earning assets | $7,634,600 | 4,436 |
| Average equity | $10,103,800 | 3,757 |
| Average total loans | $0 | 4,379 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9300% | 3,150 |
| Cost of funding earning assets | 0.3158% | 4,392 |
| Net interest margin | 4.6142% | 549 |
| Noninterest income to average assets | 216.3900% | 4 |
| Noninterest expense to average assets | 201.2840% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 14.1694% | 34 |
| Return on assets (ROA) | 14.1694% | 35 |
| Pretax return on assets | 17.4690% | 36 |
| Return on Equity (ROE) | 21.3900% | 343 |
| Retained earnings to average equity (ytd only) | 21.3876% | 80 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 92.0143% | 461 |
| Assets per employee ($millions) | 0.5653% | 4,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,432 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 0.0000% | 4,409 |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 2.8500% | 4,426 |
| Equity capital to assets | 61.9836% | 118 |
| Core capital (leverage) ratio | 88.6679% | 42 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 103.4963% | 62 |
| Memoranda: | ||
| Average total assets | $14,829,750 | 4,471 |
| Average earning assets | $7,599,500 | 4,466 |
| Average equity | $9,824,750 | 3,791 |
| Average total loans | $0 | 4,410 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1616% | 2,634 |
| Cost of funding earning assets | 0.3193% | 4,399 |
| Net interest margin | 4.8424% | 402 |
| Noninterest income to average assets | 217.8800% | 4 |
| Noninterest expense to average assets | 206.3357% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 10.4797% | 45 |
| Return on assets (ROA) | 10.4797% | 46 |
| Pretax return on assets | 14.1548% | 45 |
| Return on Equity (ROE) | 15.4000% | 928 |
| Retained earnings to average equity (ytd only) | 15.4025% | 267 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 93.5803% | 445 |
| Assets per employee ($millions) | 0.4540% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,450 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,430 |
| Net loans and leases to deposits | 0.0000% | 4,441 |
| Net loans and leases to core deposits | 0.0000% | 4,455 |
| Total domestic deposits to total assets | 3.5500% | 4,443 |
| Equity capital to assets | 69.9183% | 117 |
| Core capital (leverage) ratio | 59.7711% | 75 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 138.4531% | 57 |
| Memoranda: | ||
| Average total assets | $13,931,667 | 4,499 |
| Average earning assets | $7,517,000 | 4,484 |
| Average equity | $9,479,000 | 3,806 |
| Average total loans | $0 | 4,430 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5507% | 1,710 |
| Cost of funding earning assets | 0.3202% | 4,425 |
| Net interest margin | 5.2305% | 252 |
| Noninterest income to average assets | 165.4400% | 12 |
| Noninterest expense to average assets | 158.1652% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 7.2082% | 54 |
| Return on assets (ROA) | 7.2082% | 54 |
| Pretax return on assets | 9.4143% | 54 |
| Return on Equity (ROE) | 14.2000% | 1,110 |
| Retained earnings to average equity (ytd only) | 14.1966% | 486 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 94.3822% | 424 |
| Assets per employee ($millions) | 0.6160% | 4,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,440 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | 0.0000% | 4,457 |
| Net loans and leases to core deposits | 0.0000% | 4,479 |
| Total domestic deposits to total assets | 2.3900% | 4,505 |
| Equity capital to assets | 45.0891% | 132 |
| Core capital (leverage) ratio | 67.3276% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 67.8850% | 82 |
| Memoranda: | ||
| Average total assets | $18,312,500 | 4,501 |
| Average earning assets | $7,494,500 | 4,513 |
| Average equity | $9,298,000 | 3,840 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2318% | 3,571 |
| Cost of funding earning assets | 0.3474% | 4,339 |
| Net interest margin | 3.8844% | 1,402 |
| Noninterest income to average assets | 232.8500% | 4 |
| Noninterest expense to average assets | 231.4498% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.9397% | 507 |
| Return on assets (ROA) | 0.2335% | 4,130 |
| Pretax return on assets | 1.2925% | 1,885 |
| Return on Equity (ROE) | 0.3200% | 4,318 |
| Retained earnings to average equity (ytd only) | 0.3201% | 3,980 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 98.5303% | 211 |
| Assets per employee ($millions) | 0.4563% | 4,518 |
| 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 | 3.6500% | 4,523 |
| Equity capital to assets | 66.8688% | 117 |
| Core capital (leverage) ratio | 76.4725% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 136.9670% | 57 |
| Memoranda: | ||
| Average total assets | $11,991,800 | 4,560 |
| Average earning assets | $6,333,000 | 4,534 |
| Average equity | $8,748,400 | 3,846 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0000% | 4,616 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 0.0000% | 4,578 |
| Noninterest income to average assets | 0.0009% | 4,558 |
| Noninterest expense to average assets | NA | NA |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.0000% | 4,375 |
| Return on assets (ROA) | -1.9940% | 4,594 |
| Pretax return on assets | -1.7058% | 4,580 |
| Return on Equity (ROE) | -2.6700% | 4,465 |
| Retained earnings to average equity (ytd only) | NA | NA |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 3.0000% | 2,048 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | 2.0090% | 4,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| 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 | NA | NA |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 880.0000% | 10 |
| Equity capital to assets | 260.0000% | 46 |
| Core capital (leverage) ratio | NA | NA |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $11,834,000 | 4,582 |
| Average earning assets | $356 | 4,618 |
| Average equity | $0 | 4,568 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6567% | 4,601 |
| Cost of funding earning assets | 0.1620% | 4,463 |
| Net interest margin | 2.4947% | 4,211 |
| Noninterest income to average assets | 227.5300% | 4 |
| Noninterest expense to average assets | 233.9625% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -5.6111% | 4,647 |
| Return on assets (ROA) | -10.0284% | 4,654 |
| Pretax return on assets | -9.5338% | 4,653 |
| Return on Equity (ROE) | -13.6400% | 4,593 |
| Retained earnings to average equity (ytd only) | -13.6437% | 4,549 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 102.2358% | 151 |
| Assets per employee ($millions) | 0.3633% | 4,588 |
| 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 | 4.5900% | 4,578 |
| Equity capital to assets | 76.7135% | 107 |
| Core capital (leverage) ratio | 74.4289% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 148.4024% | 51 |
| Memoranda: | ||
| Average total assets | $11,726,667 | 4,609 |
| Average earning assets | $6,173,000 | 4,587 |
| Average equity | $8,619,333 | 3,888 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6378% | 4,627 |
| Cost of funding earning assets | 0.2454% | 4,303 |
| Net interest margin | 2.3925% | 4,387 |
| Noninterest income to average assets | 224.4100% | 4 |
| Noninterest expense to average assets | 223.9446% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9225% | 2,778 |
| Return on assets (ROA) | -7.6109% | 4,676 |
| Pretax return on assets | -6.7872% | 4,671 |
| Return on Equity (ROE) | -10.5600% | 4,599 |
| Retained earnings to average equity (ytd only) | -10.5618% | 4,488 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 99.2263% | 184 |
| Assets per employee ($millions) | 0.3603% | 4,648 |
| 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 | 4.4800% | 4,620 |
| Equity capital to assets | 78.4691% | 61 |
| Core capital (leverage) ratio | 73.4109% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 153.4786% | 46 |
| Memoranda: | ||
| Average total assets | $12,140,500 | 4,671 |
| Average earning assets | $6,520,500 | 4,657 |
| Average equity | $8,748,500 | 3,918 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8151% | 4,309 |
| Cost of funding earning assets | 0.0930% | 4,421 |
| Net interest margin | 2.7222% | 4,029 |
| Noninterest income to average assets | 191.8900% | 6 |
| Noninterest expense to average assets | 203.0811% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -9.9077% | 4,717 |
| Return on assets (ROA) | -9.9077% | 4,717 |
| Pretax return on assets | -9.6709% | 4,717 |
| Return on Equity (ROE) | -13.1100% | 4,675 |
| Retained earnings to average equity (ytd only) | -13.1051% | 4,660 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 105.0002% | 117 |
| Assets per employee ($millions) | 0.4370% | 4,676 |
| 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 | 3.8100% | 4,652 |
| Equity capital to assets | 66.6006% | 71 |
| Core capital (leverage) ratio | 69.8651% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 149.0723% | 49 |
| Memoranda: | ||
| Average total assets | $13,514,800 | 4,700 |
| Average earning assets | $7,530,800 | 4,684 |
| Average equity | $10,217,400 | 3,842 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2490% | 4,550 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 2.2490% | 4,435 |
| Noninterest income to average assets | 195.2700% | 6 |
| Noninterest expense to average assets | 192.4487% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.9081% | 111 |
| Return on assets (ROA) | 2.9081% | 106 |
| Pretax return on assets | 4.0714% | 85 |
| Return on Equity (ROE) | 3.7500% | 4,191 |
| Retained earnings to average equity (ytd only) | 3.7544% | 3,528 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 97.9283% | 180 |
| Assets per employee ($millions) | 0.4271% | 4,717 |
| 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 | 3.7800% | 4,697 |
| Equity capital to assets | 78.0304% | 64 |
| Core capital (leverage) ratio | 89.0931% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 174.0664% | 46 |
| Memoranda: | ||
| Average total assets | $13,525,000 | 4,736 |
| Average earning assets | $7,529,000 | 4,723 |
| Average equity | $10,476,250 | 3,865 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9064% | 4,643 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 1.9064% | 4,598 |
| Noninterest income to average assets | 193.5583% | 4 |
| Noninterest expense to average assets | 199.4909% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | -5.3746% | 4,758 |
| Return on assets (ROA) | -5.3746% | 4,756 |
| Pretax return on assets | -4.8753% | 4,755 |
| Return on Equity (ROE) | -6.9553% | 4,702 |
| Retained earnings to average equity (ytd only) | -6.9553% | 4,594 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5051% | 167 |
| Assets per employee ($millions) | 0.4138% | 4,755 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 3.8974% | 4,759 |
| Equity capital to assets | 77.2235% | 29 |
| Core capital (leverage) ratio | 77.9064% | 30 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 169.6276% | 18 |
| Memoranda: | ||
| Average total assets | $13,619,667 | 4,766 |
| Average earning assets | $7,553,333 | 4,763 |
| Average equity | $10,524,333 | 3,931 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6590% | 4,690 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 1.6590% | 4,656 |
| Noninterest income to average assets | 194.2490% | 5 |
| Noninterest expense to average assets | 172.3011% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 16.7820% | 17 |
| Return on assets (ROA) | 16.7820% | 16 |
| Pretax return on assets | 22.8327% | 16 |
| Return on Equity (ROE) | 21.7114% | 172 |
| Retained earnings to average equity (ytd only) | 21.7114% | 77 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2990% | 617 |
| Assets per employee ($millions) | 0.5013% | 4,776 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 3.4390% | 4,786 |
| Equity capital to assets | 75.2803% | 27 |
| Core capital (leverage) ratio | 103.3254% | 4 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 209.8899% | 16 |
| Memoranda: | ||
| Average total assets | $14,015,000 | 4,790 |
| Average earning assets | $7,474,500 | 4,788 |
| Average equity | $10,833,000 | 3,967 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3793% | 4,551 |
| Cost of funding earning assets | 0.0000% | 4,821 |
| Net interest margin | 2.3793% | 4,345 |
| Noninterest income to average assets | 210.0624% | 4 |
| Noninterest expense to average assets | 196.8007% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 14.3325% | 17 |
| Return on assets (ROA) | 14.3325% | 17 |
| Pretax return on assets | 14.5055% | 19 |
| Return on Equity (ROE) | 17.0398% | 585 |
| Retained earnings to average equity (ytd only) | 17.0398% | 119 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1353% | 244 |
| Assets per employee ($millions) | 0.4586% | 4,821 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 3.7594% | 4,829 |
| Equity capital to assets | 81.2932% | 18 |
| Core capital (leverage) ratio | 105.5888% | 1 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 269.2211% | 12 |
| Memoranda: | ||
| Average total assets | $12,140,200 | 4,837 |
| Average earning assets | $6,346,400 | 4,833 |
| Average equity | $10,211,400 | 4,103 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2511% | 4,693 |
| Cost of funding earning assets | 0.0000% | 4,892 |
| Net interest margin | 2.2511% | 4,528 |
| Noninterest income to average assets | 209.3181% | 4 |
| Noninterest expense to average assets | 188.3120% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 21.8837% | 13 |
| Return on assets (ROA) | 21.8837% | 13 |
| Pretax return on assets | 22.1762% | 14 |
| Return on Equity (ROE) | 25.7748% | 157 |
| Retained earnings to average equity (ytd only) | 25.7748% | 47 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4644% | 338 |
| Assets per employee ($millions) | 0.4291% | 4,896 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 4.0177% | 4,904 |
| Equity capital to assets | 89.1362% | 12 |
| Core capital (leverage) ratio | 111.2962% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 297.2328% | 14 |
| Memoranda: | ||
| Average total assets | $11,850,250 | 4,911 |
| Average earning assets | $6,159,750 | 4,908 |
| Average equity | $10,061,250 | 4,174 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3127% | 4,718 |
| Cost of funding earning assets | 0.0000% | 4,930 |
| Net interest margin | 2.3127% | 4,507 |
| Noninterest income to average assets | 213.3711% | 4 |
| Noninterest expense to average assets | 191.0230% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 23.1205% | 12 |
| Return on assets (ROA) | 23.1205% | 12 |
| Pretax return on assets | 23.5324% | 13 |
| Return on Equity (ROE) | 27.7237% | 133 |
| Retained earnings to average equity (ytd only) | 27.7237% | 53 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0320% | 366 |
| Assets per employee ($millions) | 0.3919% | 4,932 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 4.3999% | 4,941 |
| Equity capital to assets | 92.8458% | 10 |
| Core capital (leverage) ratio | 116.3559% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 297.1314% | 12 |
| Memoranda: | ||
| Average total assets | $11,652,000 | 4,947 |
| Average earning assets | $5,967,000 | 4,945 |
| Average equity | $9,717,333 | 4,236 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4793% | 4,656 |
| Cost of funding earning assets | 0.0000% | 4,958 |
| Net interest margin | 2.4793% | 4,330 |
| Noninterest income to average assets | 199.2201% | 4 |
| Noninterest expense to average assets | 191.8956% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 7.7993% | 35 |
| Return on assets (ROA) | 7.7993% | 35 |
| Pretax return on assets | 8.5792% | 40 |
| Return on Equity (ROE) | 9.8919% | 2,732 |
| Retained earnings to average equity (ytd only) | 9.8919% | 1,681 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7206% | 253 |
| Assets per employee ($millions) | 0.4042% | 4,961 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 4.1234% | 4,970 |
| Equity capital to assets | 77.5524% | 23 |
| Core capital (leverage) ratio | 109.7376% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 200.2384% | 17 |
| Memoranda: | ||
| Average total assets | $11,796,000 | 4,973 |
| Average earning assets | $5,969,500 | 4,971 |
| Average equity | $9,300,500 | 4,297 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0316% | 4,611 |
| Cost of funding earning assets | 0.0355% | 4,956 |
| Net interest margin | 2.9961% | 3,894 |
| Noninterest income to average assets | 211.7862% | 3 |
| Noninterest expense to average assets | 203.8740% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 9.8552% | 20 |
| Return on assets (ROA) | 9.8552% | 20 |
| Pretax return on assets | 9.6048% | 25 |
| Return on Equity (ROE) | 11.7121% | 1,405 |
| Retained earnings to average equity (ytd only) | 11.7121% | 352 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5008% | 235 |
| Assets per employee ($millions) | 0.3817% | 4,983 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 4.8520% | 4,991 |
| Equity capital to assets | 89.2479% | 12 |
| Core capital (leverage) ratio | 115.4812% | 1 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 285.2485% | 8 |
| Memoranda: | ||
| Average total assets | $9,984,600 | 5,000 |
| Average earning assets | $5,640,600 | 4,996 |
| Average equity | $8,401,600 | 4,380 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9783% | 4,748 |
| Cost of funding earning assets | 0.0473% | 4,987 |
| Net interest margin | 2.9310% | 4,124 |
| Noninterest income to average assets | 205.8003% | 3 |
| Noninterest expense to average assets | 203.4445% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 4.3212% | 47 |
| Return on assets (ROA) | 4.3212% | 47 |
| Pretax return on assets | 4.0250% | 66 |
| Return on Equity (ROE) | 5.2176% | 3,822 |
| Retained earnings to average equity (ytd only) | 5.2176% | 2,466 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0600% | 191 |
| Assets per employee ($millions) | 0.3578% | 5,015 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 5.1760% | 5,022 |
| Equity capital to assets | 88.6957% | 11 |
| Core capital (leverage) ratio | 107.6883% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 280.2283% | 13 |
| Memoranda: | ||
| Average total assets | $9,904,500 | 5,031 |
| Average earning assets | $5,640,750 | 5,027 |
| Average equity | $8,202,750 | 4,417 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2599% | 4,677 |
| Cost of funding earning assets | 0.0709% | 5,005 |
| Net interest margin | 3.1890% | 3,699 |
| Noninterest income to average assets | 196.2548% | 4 |
| Noninterest expense to average assets | 201.7424% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -4.2059% | 5,046 |
| Return on assets (ROA) | -4.2059% | 5,046 |
| Pretax return on assets | -3.6852% | 5,034 |
| Return on Equity (ROE) | -5.1974% | 4,927 |
| Retained earnings to average equity (ytd only) | -5.1974% | 4,779 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8607% | 163 |
| Assets per employee ($millions) | 0.3744% | 5,048 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 4.9466% | 5,053 |
| Equity capital to assets | 80.1444% | 20 |
| Core capital (leverage) ratio | 101.7839% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 202.3557% | 15 |
| Memoranda: | ||
| Average total assets | $9,986,000 | 5,064 |
| Average earning assets | $5,644,333 | 5,060 |
| Average equity | $8,081,000 | 4,448 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1164% | 3,479 |
| Cost of funding earning assets | 0.0710% | 5,064 |
| Net interest margin | 4.0454% | 1,268 |
| Noninterest income to average assets | 193.9748% | 4 |
| Noninterest expense to average assets | 205.1788% | 2 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -9.8741% | 5,106 |
| Return on assets (ROA) | -9.8741% | 5,105 |
| Pretax return on assets | -8.9068% | 5,099 |
| Return on Equity (ROE) | -12.1422% | 5,016 |
| Retained earnings to average equity (ytd only) | -12.1422% | 4,834 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5380% | 188 |
| Assets per employee ($millions) | 0.4502% | 5,093 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 4.8286% | 5,102 |
| Equity capital to assets | 77.5857% | 28 |
| Core capital (leverage) ratio | 96.3954% | 8 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 187.7896% | 20 |
| Memoranda: | ||
| Average total assets | $9,925,000 | 5,113 |
| Average earning assets | $5,636,000 | 5,108 |
| Average equity | $8,071,000 | 4,476 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0085% | 5,049 |
| Cost of funding earning assets | 0.0369% | 5,150 |
| Net interest margin | 2.9716% | 4,552 |
| Noninterest income to average assets | 138.6833% | 7 |
| Noninterest expense to average assets | 134.8120% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 5.4654% | 33 |
| Return on assets (ROA) | 5.4654% | 36 |
| Pretax return on assets | 5.7045% | 44 |
| Return on Equity (ROE) | 6.2979% | 3,818 |
| Retained earnings to average equity (ytd only) | 6.2979% | 1,720 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9404% | 211 |
| Assets per employee ($millions) | 0.4748% | 5,153 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 5.2659% | 5,161 |
| Equity capital to assets | 85.3923% | 24 |
| Core capital (leverage) ratio | 105.9678% | 3 |
| Tier 1 risk-based capital ratio | 262.2019% | 19 |
| Total risk-based capital ratio | 262.2019% | 19 |
| Memoranda: | ||
| Average total assets | $8,782,600 | 5,178 |
| Average earning assets | $5,418,000 | 5,169 |
| Average equity | $7,621,600 | 4,553 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7452% | 5,190 |
| Cost of funding earning assets | 0.0247% | 5,233 |
| Net interest margin | 2.7203% | 4,924 |
| Noninterest income to average assets | 139.3654% | 7 |
| Noninterest expense to average assets | 136.6383% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 4.1062% | 47 |
| Return on assets (ROA) | 4.1062% | 50 |
| Pretax return on assets | 4.4316% | 55 |
| Return on Equity (ROE) | 4.7109% | 4,417 |
| Retained earnings to average equity (ytd only) | 4.7109% | 3,051 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8585% | 182 |
| Assets per employee ($millions) | 0.4454% | 5,234 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 5.6136% | 5,242 |
| Equity capital to assets | 87.5603% | 17 |
| Core capital (leverage) ratio | 101.9920% | 4 |
| Tier 1 risk-based capital ratio | 311.0571% | 15 |
| Total risk-based capital ratio | 311.0571% | 15 |
| Memoranda: | ||
| Average total assets | $8,604,500 | 5,256 |
| Average earning assets | $5,391,250 | 5,248 |
| Average equity | $7,500,000 | 4,623 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7308% | 5,253 |
| Cost of funding earning assets | 0.0374% | 5,273 |
| Net interest margin | 2.6934% | 5,008 |
| Noninterest income to average assets | 139.0694% | 7 |
| Noninterest expense to average assets | 136.2235% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 4.0453% | 48 |
| Return on assets (ROA) | 4.0453% | 52 |
| Pretax return on assets | 4.5392% | 52 |
| Return on Equity (ROE) | 4.6484% | 4,433 |
| Retained earnings to average equity (ytd only) | 4.6484% | 2,950 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7753% | 194 |
| Assets per employee ($millions) | 0.4345% | 5,282 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 5.7544% | 5,289 |
| Equity capital to assets | 88.3876% | 16 |
| Core capital (leverage) ratio | 104.9371% | 3 |
| Tier 1 risk-based capital ratio | 306.8338% | 15 |
| Total risk-based capital ratio | 306.8338% | 15 |
| Memoranda: | ||
| Average total assets | $8,503,670 | 5,303 |
| Average earning assets | $5,346,330 | 5,294 |
| Average equity | $7,400,330 | 4,665 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7977% | 5,309 |
| Cost of funding earning assets | 0.0000% | 5,351 |
| Net interest margin | 2.7977% | 4,990 |
| Noninterest income to average assets | 138.7707% | 7 |
| Noninterest expense to average assets | 138.8182% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7609% | 3,744 |
| Return on assets (ROA) | 0.7609% | 3,788 |
| Pretax return on assets | 1.7120% | 1,183 |
| Return on Equity (ROE) | 0.8815% | 5,087 |
| Retained earnings to average equity (ytd only) | 0.8815% | 4,344 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7817% | 193 |
| Assets per employee ($millions) | 0.4257% | 5,340 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 5.8734% | 5,345 |
| Equity capital to assets | 84.9759% | 21 |
| Core capital (leverage) ratio | 105.1163% | 1 |
| Tier 1 risk-based capital ratio | 294.3427% | 13 |
| Total risk-based capital ratio | 294.3427% | 13 |
| Memoranda: | ||
| Average total assets | $8,411,000 | 5,360 |
| Average earning assets | $5,290,000 | 5,353 |
| Average equity | $7,260,500 | 4,719 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6304% | 5,328 |
| Cost of funding earning assets | 0.0193% | 5,385 |
| Net interest margin | 2.6110% | 5,150 |
| Noninterest income to average assets | 138.3812% | 7 |
| Noninterest expense to average assets | 137.2679% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.5325% | 143 |
| Return on assets (ROA) | 2.5325% | 142 |
| Pretax return on assets | 2.7649% | 137 |
| Return on Equity (ROE) | 2.8882% | 4,921 |
| Retained earnings to average equity (ytd only) | 2.8882% | 3,956 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.0255% | 172 |
| Assets per employee ($millions) | 0.4373% | 5,383 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 6.0176% | 5,390 |
| Equity capital to assets | 87.7001% | 18 |
| Core capital (leverage) ratio | 104.2429% | 3 |
| Tier 1 risk-based capital ratio | 315.1437% | 15 |
| Total risk-based capital ratio | 315.1437% | 15 |
| Memoranda: | ||
| Average total assets | $8,173,800 | 5,405 |
| Average earning assets | $5,170,400 | 5,397 |
| Average equity | $7,167,200 | 4,720 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4583% | 5,415 |
| Cost of funding earning assets | 0.0258% | 5,449 |
| Net interest margin | 2.4325% | 5,306 |
| Noninterest income to average assets | 138.9482% | 7 |
| Noninterest expense to average assets | 133.2645% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 6.8958% | 26 |
| Return on assets (ROA) | 6.8958% | 26 |
| Pretax return on assets | 7.2235% | 33 |
| Return on Equity (ROE) | 7.8647% | 3,602 |
| Retained earnings to average equity (ytd only) | 7.8647% | 1,721 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8583% | 227 |
| Assets per employee ($millions) | 0.4364% | 5,452 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 6.0306% | 5,463 |
| Equity capital to assets | 89.3981% | 15 |
| Core capital (leverage) ratio | 105.7935% | 1 |
| Tier 1 risk-based capital ratio | 323.4917% | 14 |
| Total risk-based capital ratio | 323.4917% | 14 |
| Memoranda: | ||
| Average total assets | $8,140,000 | 5,477 |
| Average earning assets | $5,152,250 | 5,469 |
| Average equity | $7,137,250 | 4,774 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3634% | 5,485 |
| Cost of funding earning assets | 0.0000% | 5,529 |
| Net interest margin | 2.3634% | 5,397 |
| Noninterest income to average assets | 138.9921% | 7 |
| Noninterest expense to average assets | 132.7125% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 7.3180% | 24 |
| Return on assets (ROA) | 7.3180% | 24 |
| Pretax return on assets | 7.7877% | 29 |
| Return on Equity (ROE) | 8.4023% | 3,312 |
| Retained earnings to average equity (ytd only) | 8.4023% | 1,445 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4572% | 250 |
| Assets per employee ($millions) | 0.4654% | 5,513 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 5.9680% | 5,527 |
| Equity capital to assets | 87.2643% | 17 |
| Core capital (leverage) ratio | 108.8102% | 2 |
| Tier 1 risk-based capital ratio | 312.3950% | 15 |
| Total risk-based capital ratio | 312.3950% | 15 |
| Memoranda: | ||
| Average total assets | $8,089,670 | 5,542 |
| Average earning assets | $5,162,000 | 5,533 |
| Average equity | $7,045,670 | 4,837 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2297% | 5,556 |
| Cost of funding earning assets | 0.0000% | 5,593 |
| Net interest margin | 2.2297% | 5,494 |
| Noninterest income to average assets | 139.9534% | 7 |
| Noninterest expense to average assets | 133.7612% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 6.6956% | 29 |
| Return on assets (ROA) | 6.6956% | 29 |
| Pretax return on assets | 7.6018% | 31 |
| Return on Equity (ROE) | 7.6956% | 3,507 |
| Retained earnings to average equity (ytd only) | 7.6956% | 1,959 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6225% | 280 |
| Assets per employee ($millions) | 0.4398% | 5,577 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 6.3163% | 5,591 |
| Equity capital to assets | 89.3128% | 15 |
| Core capital (leverage) ratio | 110.0338% | 1 |
| Tier 1 risk-based capital ratio | 303.8983% | 18 |
| Total risk-based capital ratio | 303.8983% | 18 |
| Memoranda: | ||
| Average total assets | $7,945,500 | 5,605 |
| Average earning assets | $5,023,000 | 5,598 |
| Average equity | $6,913,000 | 4,906 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6970% | 5,620 |
| Cost of funding earning assets | 0.0207% | 5,641 |
| Net interest margin | 1.6763% | 5,606 |
| Noninterest income to average assets | 136.0992% | 8 |
| Noninterest expense to average assets | 137.4409% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.4650% | 5,521 |
| Return on assets (ROA) | -0.4650% | 5,522 |
| Pretax return on assets | -0.2657% | 5,513 |
| Return on Equity (ROE) | -0.5266% | 5,402 |
| Retained earnings to average equity (ytd only) | -0.5266% | 5,121 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1937% | 171 |
| Assets per employee ($millions) | 0.4197% | 5,645 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 6.2696% | 5,656 |
| Equity capital to assets | 84.7147% | 20 |
| Core capital (leverage) ratio | 100.5904% | 1 |
| Tier 1 risk-based capital ratio | 307.1203% | 16 |
| Total risk-based capital ratio | 307.1203% | 16 |
| Memoranda: | ||
| Average total assets | $7,527,600 | 5,674 |
| Average earning assets | $4,832,000 | 5,663 |
| Average equity | $6,646,600 | 5,002 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6449% | 5,695 |
| Cost of funding earning assets | 0.0000% | 5,725 |
| Net interest margin | 1.6449% | 5,680 |
| Noninterest income to average assets | 135.0965% | 8 |
| Noninterest expense to average assets | 132.3277% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 3.5599% | 58 |
| Return on assets (ROA) | 3.5599% | 58 |
| Pretax return on assets | 3.8296% | 75 |
| Return on Equity (ROE) | 3.9882% | 4,858 |
| Retained earnings to average equity (ytd only) | 3.9882% | 3,554 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1874% | 223 |
| Assets per employee ($millions) | 0.4131% | 5,709 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 6.3710% | 5,721 |
| Equity capital to assets | 89.3986% | 17 |
| Core capital (leverage) ratio | 104.0148% | 1 |
| Tier 1 risk-based capital ratio | 303.0968% | 14 |
| Total risk-based capital ratio | 303.0968% | 14 |
| Memoranda: | ||
| Average total assets | $7,415,750 | 5,740 |
| Average earning assets | $4,782,000 | 5,729 |
| Average equity | $6,619,250 | 5,058 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6609% | 5,744 |
| Cost of funding earning assets | 0.0000% | 5,773 |
| Net interest margin | 1.6609% | 5,733 |
| Noninterest income to average assets | 136.2273% | 8 |
| Noninterest expense to average assets | 135.0996% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7328% | 522 |
| Return on assets (ROA) | 1.7328% | 531 |
| Pretax return on assets | 2.2003% | 353 |
| Return on Equity (ROE) | 1.9423% | 5,352 |
| Retained earnings to average equity (ytd only) | 1.9423% | 4,475 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.3974% | 211 |
| Assets per employee ($millions) | 0.3815% | 5,761 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 6.5531% | 5,773 |
| Equity capital to assets | 90.2228% | 12 |
| Core capital (leverage) ratio | 108.2368% | 1 |
| Tier 1 risk-based capital ratio | 321.4884% | 15 |
| Total risk-based capital ratio | 321.4884% | 15 |
| Memoranda: | ||
| Average total assets | $7,271,670 | 5,790 |
| Average earning assets | $4,696,330 | 5,779 |
| Average equity | $6,487,000 | 5,107 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5373% | 5,821 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 1.5373% | 5,807 |
| Noninterest income to average assets | 137.1590% | 6 |
| Noninterest expense to average assets | 137.2154% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.1128% | 5,497 |
| Return on assets (ROA) | 0.1128% | 5,503 |
| Pretax return on assets | 0.9588% | 3,551 |
| Return on Equity (ROE) | 0.1272% | 5,600 |
| Retained earnings to average equity (ytd only) | 0.1272% | 4,883 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3061% | 234 |
| Assets per employee ($millions) | 0.3363% | 5,832 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 7.0791% | 5,839 |
| Equity capital to assets | 90.0467% | 13 |
| Core capital (leverage) ratio | 105.1067% | 1 |
| Tier 1 risk-based capital ratio | 324.7590% | 15 |
| Total risk-based capital ratio | 324.7590% | 15 |
| Memoranda: | ||
| Average total assets | $7,092,500 | 5,858 |
| Average earning assets | $4,683,500 | 5,848 |
| Average equity | $6,288,500 | 5,192 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4236% | 5,869 |
| Cost of funding earning assets | 0.0212% | 5,871 |
| Net interest margin | 1.4023% | 5,860 |
| Noninterest income to average assets | 132.5214% | 8 |
| Noninterest expense to average assets | 140.4147% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | -7.1864% | 5,909 |
| Return on assets (ROA) | -7.1864% | 5,909 |
| Pretax return on assets | -6.9213% | 5,909 |
| Return on Equity (ROE) | -8.0931% | 5,822 |
| Retained earnings to average equity (ytd only) | -8.0931% | 5,758 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1848% | 170 |
| Assets per employee ($millions) | 0.3391% | 5,891 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 7.0205% | 5,897 |
| Equity capital to assets | 87.2929% | 17 |
| Core capital (leverage) ratio | 104.2021% | 1 |
| Tier 1 risk-based capital ratio | 310.4322% | 15 |
| Total risk-based capital ratio | 310.4322% | 15 |
| Memoranda: | ||
| Average total assets | $6,790,600 | 5,915 |
| Average earning assets | $4,706,400 | 5,905 |
| Average equity | $6,029,800 | 5,280 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5557% | 5,934 |
| Cost of funding earning assets | 0.0000% | 5,963 |
| Net interest margin | 1.5557% | 5,920 |
| Noninterest income to average assets | 131.3473% | 8 |
| Noninterest expense to average assets | 140.0335% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | -7.9508% | 5,980 |
| Return on assets (ROA) | -7.9508% | 5,980 |
| Pretax return on assets | -7.5930% | 5,980 |
| Return on Equity (ROE) | -8.9139% | 5,902 |
| Retained earnings to average equity (ytd only) | -8.9139% | 5,835 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7332% | 159 |
| Assets per employee ($millions) | 0.3274% | 5,958 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 7.2717% | 5,965 |
| Equity capital to assets | 88.0017% | 17 |
| Core capital (leverage) ratio | 98.7565% | 3 |
| Tier 1 risk-based capital ratio | 317.8515% | 14 |
| Total risk-based capital ratio | 317.8515% | 14 |
| Memoranda: | ||
| Average total assets | $6,707,750 | 5,982 |
| Average earning assets | $4,713,750 | 5,971 |
| Average equity | $5,983,000 | 5,336 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5273% | 6,014 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 1.5273% | 6,000 |
| Noninterest income to average assets | 130.9145% | 7 |
| Noninterest expense to average assets | 135.9057% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -4.3297% | 6,047 |
| Return on assets (ROA) | -4.3297% | 6,047 |
| Pretax return on assets | -3.9088% | 6,043 |
| Return on Equity (ROE) | -4.8319% | 5,928 |
| Retained earnings to average equity (ytd only) | -4.8319% | 5,743 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9613% | 202 |
| Assets per employee ($millions) | 0.3469% | 6,035 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 7.2067% | 6,042 |
| Equity capital to assets | 90.0692% | 14 |
| Core capital (leverage) ratio | 103.5643% | 1 |
| Tier 1 risk-based capital ratio | 326.4042% | 14 |
| Total risk-based capital ratio | 326.4042% | 14 |
| Memoranda: | ||
| Average total assets | $6,651,670 | 6,060 |
| Average earning assets | $4,714,330 | 6,048 |
| Average equity | $5,960,330 | 5,392 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5262% | 6,082 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 1.5262% | 6,068 |
| Noninterest income to average assets | 129.7380% | 7 |
| Noninterest expense to average assets | 135.6995% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -5.6541% | 6,112 |
| Return on assets (ROA) | -5.6541% | 6,112 |
| Pretax return on assets | -4.8552% | 6,106 |
| Return on Equity (ROE) | -6.3274% | 5,991 |
| Retained earnings to average equity (ytd only) | -6.3274% | 5,683 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7107% | 218 |
| Assets per employee ($millions) | 0.3225% | 6,099 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 7.7519% | 6,106 |
| Equity capital to assets | 90.8837% | 14 |
| Core capital (leverage) ratio | 104.6553% | 1 |
| Tier 1 risk-based capital ratio | 284.9829% | 17 |
| Total risk-based capital ratio | 284.9829% | 17 |
| Memoranda: | ||
| Average total assets | $6,508,500 | 6,124 |
| Average earning assets | $4,717,500 | 6,112 |
| Average equity | $5,816,000 | 5,449 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4379% | 6,129 |
| Cost of funding earning assets | 0.0225% | 6,140 |
| Net interest margin | 1.4155% | 6,113 |
| Noninterest income to average assets | 136.0630% | 7 |
| Noninterest expense to average assets | 140.8819% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -4.1102% | 6,175 |
| Return on assets (ROA) | -4.1102% | 6,175 |
| Pretax return on assets | -3.8268% | 6,171 |
| Return on Equity (ROE) | -4.6293% | 6,042 |
| Retained earnings to average equity (ytd only) | -4.6293% | 5,900 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.7921% | 236 |
| Assets per employee ($millions) | 0.3456% | 6,159 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 7.6138% | 6,166 |
| Equity capital to assets | 87.8636% | 15 |
| Core capital (leverage) ratio | 101.0124% | 2 |
| Tier 1 risk-based capital ratio | 311.9677% | 18 |
| Total risk-based capital ratio | 311.9677% | 18 |
| Memoranda: | ||
| Average total assets | $6,350,000 | 6,185 |
| Average earning assets | $4,450,800 | 6,174 |
| Average equity | $5,638,000 | 5,517 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4021% | 6,224 |
| Cost of funding earning assets | 0.0304% | 6,213 |
| Net interest margin | 1.3717% | 6,213 |
| Noninterest income to average assets | 135.3683% | 7 |
| Noninterest expense to average assets | 139.6039% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -3.6426% | 6,257 |
| Return on assets (ROA) | -3.6426% | 6,257 |
| Pretax return on assets | -3.2825% | 6,253 |
| Return on Equity (ROE) | -4.0915% | 6,127 |
| Retained earnings to average equity (ytd only) | -4.0915% | 5,997 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4080% | 251 |
| Assets per employee ($millions) | 0.3468% | 6,247 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 7.5873% | 6,253 |
| Equity capital to assets | 89.4689% | 13 |
| Core capital (leverage) ratio | 103.2145% | 2 |
| Tier 1 risk-based capital ratio | 314.2246% | 17 |
| Total risk-based capital ratio | 314.2246% | 17 |
| Memoranda: | ||
| Average total assets | $6,295,750 | 6,273 |
| Average earning assets | $4,374,000 | 6,262 |
| Average equity | $5,605,000 | 5,591 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4153% | 6,302 |
| Cost of funding earning assets | 0.0472% | 6,276 |
| Net interest margin | 1.3681% | 6,285 |
| Noninterest income to average assets | 136.6965% | 6 |
| Noninterest expense to average assets | 141.5693% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -4.2597% | 6,337 |
| Return on assets (ROA) | -4.2597% | 6,338 |
| Pretax return on assets | -3.9370% | 6,335 |
| Return on Equity (ROE) | -4.7930% | 6,190 |
| Retained earnings to average equity (ytd only) | -4.7930% | 6,011 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8605% | 272 |
| Assets per employee ($millions) | 0.3453% | 6,326 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 7.6208% | 6,327 |
| Equity capital to assets | 89.5443% | 12 |
| Core capital (leverage) ratio | 110.8466% | 1 |
| Tier 1 risk-based capital ratio | 315.3763% | 16 |
| Total risk-based capital ratio | 315.3763% | 16 |
| Memoranda: | ||
| Average total assets | $6,197,670 | 6,351 |
| Average earning assets | $4,239,330 | 6,338 |
| Average equity | $5,508,000 | 5,663 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4174% | 6,372 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 1.4174% | 6,356 |
| Noninterest income to average assets | 137.7660% | 5 |
| Noninterest expense to average assets | 142.8191% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -4.7207% | 6,403 |
| Return on assets (ROA) | -4.7207% | 6,403 |
| Pretax return on assets | -4.0559% | 6,399 |
| Return on Equity (ROE) | -5.3338% | 6,264 |
| Retained earnings to average equity (ytd only) | -5.3338% | 5,956 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.9229% | 289 |
| Assets per employee ($millions) | 0.2976% | 6,399 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 8.4019% | 6,396 |
| Equity capital to assets | 89.0607% | 14 |
| Core capital (leverage) ratio | 109.4586% | 1 |
| Tier 1 risk-based capital ratio | 291.2252% | 19 |
| Total risk-based capital ratio | 291.2252% | 19 |
| Memoranda: | ||
| Average total assets | $6,016,000 | 6,421 |
| Average earning assets | $4,233,000 | 6,408 |
| Average equity | $5,324,500 | 5,751 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5560% | 6,450 |
| Cost of funding earning assets | 0.0239% | 6,463 |
| Net interest margin | 1.5321% | 6,428 |
| Noninterest income to average assets | 133.2289% | 8 |
| Noninterest expense to average assets | 143.5213% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -9.3996% | 6,508 |
| Return on assets (ROA) | -9.3996% | 6,508 |
| Pretax return on assets | -9.2143% | 6,507 |
| Return on Equity (ROE) | -10.8249% | 6,373 |
| Retained earnings to average equity (ytd only) | -10.8249% | 6,330 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.8607% | 253 |
| Assets per employee ($millions) | 0.2896% | 6,489 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 8.2223% | 6,488 |
| Equity capital to assets | 87.9625% | 14 |
| Core capital (leverage) ratio | 87.9461% | 11 |
| Tier 1 risk-based capital ratio | 265.8052% | 20 |
| Total risk-based capital ratio | 249.6024% | 22 |
| Memoranda: | ||
| Average total assets | $5,936,400 | 6,511 |
| Average earning assets | $4,177,400 | 6,502 |
| Average equity | $5,154,800 | 5,820 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5674% | 6,531 |
| Cost of funding earning assets | 0.0319% | 6,536 |
| Net interest margin | 1.5355% | 6,509 |
| Noninterest income to average assets | 131.2455% | 7 |
| Noninterest expense to average assets | 144.8039% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -12.7223% | 6,588 |
| Return on assets (ROA) | -12.7223% | 6,588 |
| Pretax return on assets | -12.4737% | 6,587 |
| Return on Equity (ROE) | -14.7006% | 6,488 |
| Retained earnings to average equity (ytd only) | -14.7006% | 6,443 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.4262% | 224 |
| Assets per employee ($millions) | 0.2740% | 6,570 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 8.6911% | 6,566 |
| Equity capital to assets | 88.4582% | 12 |
| Core capital (leverage) ratio | 88.5277% | 11 |
| Tier 1 risk-based capital ratio | 266.5097% | 18 |
| Total risk-based capital ratio | 249.6599% | 20 |
| Memoranda: | ||
| Average total assets | $5,900,250 | 6,590 |
| Average earning assets | $4,168,000 | 6,582 |
| Average equity | $5,106,250 | 5,894 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5386% | 6,600 |
| Cost of funding earning assets | 0.0481% | 6,587 |
| Net interest margin | 1.4905% | 6,584 |
| Noninterest income to average assets | 128.1489% | 7 |
| Noninterest expense to average assets | 140.5873% | 3 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -11.4971% | 6,656 |
| Return on assets (ROA) | -11.4971% | 6,656 |
| Pretax return on assets | -11.3962% | 6,655 |
| Return on Equity (ROE) | -13.3803% | 6,540 |
| Retained earnings to average equity (ytd only) | -13.3803% | 6,473 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.8212% | 248 |
| Assets per employee ($millions) | 0.2789% | 6,638 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 8.5383% | 6,634 |
| Equity capital to assets | 87.5512% | 10 |
| Core capital (leverage) ratio | 87.3122% | 11 |
| Tier 1 risk-based capital ratio | 254.7583% | 21 |
| Total risk-based capital ratio | 238.7643% | 21 |
| Memoranda: | ||
| Average total assets | $5,949,330 | 6,657 |
| Average earning assets | $4,159,670 | 6,648 |
| Average equity | $5,112,000 | 5,932 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5450% | 6,675 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 1.5450% | 6,654 |
| Noninterest income to average assets | 122.6151% | 9 |
| Noninterest expense to average assets | 135.2235% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -11.6077% | 6,727 |
| Return on assets (ROA) | -11.6077% | 6,727 |
| Pretax return on assets | -11.5410% | 6,727 |
| Return on Equity (ROE) | -13.6350% | 6,596 |
| Retained earnings to average equity (ytd only) | -13.6350% | 6,447 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.3312% | 282 |
| Assets per employee ($millions) | 0.2777% | 6,706 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 8.5749% | 6,704 |
| Equity capital to assets | 86.1945% | 22 |
| Core capital (leverage) ratio | 86.2974% | 17 |
| Tier 1 risk-based capital ratio | 274.6725% | 23 |
| Total risk-based capital ratio | 258.4061% | 23 |
| Memoranda: | ||
| Average total assets | $5,996,000 | 6,730 |
| Average earning assets | $4,142,500 | 6,722 |
| Average equity | $5,104,500 | 5,972 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5055% | 6,746 |
| Cost of funding earning assets | 0.0251% | 6,768 |
| Net interest margin | 1.4804% | 6,723 |
| Noninterest income to average assets | 121.4976% | 9 |
| Noninterest expense to average assets | 131.1557% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -8.6299% | 6,809 |
| Return on assets (ROA) | -8.6299% | 6,809 |
| Pretax return on assets | -8.5748% | 6,809 |
| Return on Equity (ROE) | -10.1420% | 6,586 |
| Retained earnings to average equity (ytd only) | -10.1420% | 6,537 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9952% | 319 |
| Assets per employee ($millions) | 0.3624% | 6,783 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 8.1156% | 6,790 |
| Equity capital to assets | 84.1260% | 22 |
| Core capital (leverage) ratio | 84.4993% | 15 |
| Tier 1 risk-based capital ratio | 249.8081% | 26 |
| Total risk-based capital ratio | 236.1324% | 26 |
| Memoranda: | ||
| Average total assets | $5,446,200 | 6,815 |
| Average earning assets | $3,985,400 | 6,806 |
| Average equity | $4,634,200 | 6,161 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4513% | 6,835 |
| Cost of funding earning assets | 0.0337% | 6,843 |
| Net interest margin | 1.4176% | 6,813 |
| Noninterest income to average assets | 119.7502% | 11 |
| Noninterest expense to average assets | 129.2421% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | -8.5048% | 6,888 |
| Return on assets (ROA) | -8.5048% | 6,887 |
| Pretax return on assets | -8.4289% | 6,887 |
| Return on Equity (ROE) | -9.9620% | 6,691 |
| Retained earnings to average equity (ytd only) | -9.9620% | 6,637 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.9767% | 312 |
| Assets per employee ($millions) | 0.3241% | 6,868 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 9.0761% | 6,866 |
| Equity capital to assets | 87.7110% | 14 |
| Core capital (leverage) ratio | 87.8381% | 11 |
| Tier 1 risk-based capital ratio | 284.9823% | 21 |
| Total risk-based capital ratio | 269.4935% | 22 |
| Memoranda: | ||
| Average total assets | $5,267,500 | 6,893 |
| Average earning assets | $3,950,250 | 6,885 |
| Average equity | $4,497,000 | 6,285 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4388% | 6,884 |
| Cost of funding earning assets | 0.0514% | 6,879 |
| Net interest margin | 1.3875% | 6,865 |
| Noninterest income to average assets | 118.6042% | 10 |
| Noninterest expense to average assets | 131.9838% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -12.4157% | 6,939 |
| Return on assets (ROA) | -12.4157% | 6,939 |
| Pretax return on assets | -12.3385% | 6,939 |
| Return on Equity (ROE) | -14.6853% | 6,793 |
| Retained earnings to average equity (ytd only) | -14.6853% | 6,754 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3126% | 271 |
| Assets per employee ($millions) | 0.3136% | 6,917 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 9.3791% | 6,915 |
| Equity capital to assets | 84.9934% | 18 |
| Core capital (leverage) ratio | 85.4061% | 14 |
| Tier 1 risk-based capital ratio | 232.8900% | 23 |
| Total risk-based capital ratio | 220.4604% | 24 |
| Memoranda: | ||
| Average total assets | $5,187,000 | 6,943 |
| Average earning assets | $3,892,000 | 6,934 |
| Average equity | $4,385,330 | 6,360 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4774% | 6,967 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 1.4774% | 6,937 |
| Noninterest income to average assets | 116.5982% | 10 |
| Noninterest expense to average assets | 126.4516% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -8.9150% | 7,011 |
| Return on assets (ROA) | -8.9150% | 7,011 |
| Pretax return on assets | -8.7586% | 7,011 |
| Return on Equity (ROE) | -10.5739% | 6,815 |
| Retained earnings to average equity (ytd only) | -10.5739% | 6,638 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.4419% | 366 |
| Assets per employee ($millions) | 0.3406% | 6,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 9.1743% | 6,991 |
| Equity capital to assets | 84.4404% | 20 |
| Core capital (leverage) ratio | 83.7064% | 15 |
| Tier 1 risk-based capital ratio | 270.5813% | 21 |
| Total risk-based capital ratio | 258.3037% | 22 |
| Memoranda: | ||
| Average total assets | $5,115,000 | 7,021 |
| Average earning assets | $3,790,500 | 7,012 |
| Average equity | $4,312,500 | 6,444 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8898% | 6,998 |
| Cost of funding earning assets | 0.0600% | 7,025 |
| Net interest margin | 1.8299% | 6,959 |
| Noninterest income to average assets | 105.0983% | 11 |
| Noninterest expense to average assets | 112.7144% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -6.4805% | 7,070 |
| Return on assets (ROA) | -6.4805% | 7,070 |
| Pretax return on assets | -6.4218% | 7,071 |
| Return on Equity (ROE) | -8.2048% | 6,686 |
| Retained earnings to average equity (ytd only) | -8.2048% | 6,581 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0416% | 411 |
| Assets per employee ($millions) | 0.3677% | 7,051 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 10.4603% | 7,054 |
| Equity capital to assets | 84.1632% | 20 |
| Core capital (leverage) ratio | 83.1799% | 18 |
| Tier 1 risk-based capital ratio | 250.5356% | 24 |
| Total risk-based capital ratio | 236.6730% | 26 |
| Memoranda: | ||
| Average total assets | $5,107,600 | 7,086 |
| Average earning assets | $3,333,600 | 7,078 |
| Average equity | $4,034,200 | 6,558 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0157% | 7,098 |
| Cost of funding earning assets | 0.0807% | 7,131 |
| Net interest margin | 1.9350% | 7,052 |
| Noninterest income to average assets | 99.8401% | 12 |
| Noninterest expense to average assets | 107.1882% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -6.1919% | 7,170 |
| Return on assets (ROA) | -6.1919% | 7,172 |
| Pretax return on assets | -6.1148% | 7,172 |
| Return on Equity (ROE) | -7.9596% | 6,812 |
| Retained earnings to average equity (ytd only) | -7.9596% | 6,748 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0498% | 381 |
| Assets per employee ($millions) | 0.4031% | 7,147 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 9.5420% | 7,159 |
| Equity capital to assets | 78.3206% | 26 |
| Core capital (leverage) ratio | 77.5954% | 23 |
| Tier 1 risk-based capital ratio | 247.0231% | 24 |
| Total risk-based capital ratio | 234.0219% | 26 |
| Memoranda: | ||
| Average total assets | $5,189,500 | 7,182 |
| Average earning assets | $3,307,500 | 7,175 |
| Average equity | $4,037,000 | 6,633 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1398% | 7,167 |
| Cost of funding earning assets | 0.0611% | 7,201 |
| Net interest margin | 2.0787% | 7,079 |
| Noninterest income to average assets | 97.1259% | 13 |
| Noninterest expense to average assets | 107.2947% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -8.9316% | 7,240 |
| Return on assets (ROA) | -8.9316% | 7,239 |
| Pretax return on assets | -8.8542% | 7,239 |
| Return on Equity (ROE) | -11.5078% | 6,934 |
| Retained earnings to average equity (ytd only) | -11.5078% | 6,876 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.9945% | 347 |
| Assets per employee ($millions) | 0.3469% | 7,217 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 9.6080% | 7,225 |
| Equity capital to assets | 79.2659% | 23 |
| Core capital (leverage) ratio | 78.3244% | 19 |
| Tier 1 risk-based capital ratio | 256.3522% | 18 |
| Total risk-based capital ratio | 243.8994% | 20 |
| Memoranda: | ||
| Average total assets | $5,172,670 | 7,246 |
| Average earning assets | $3,271,330 | 7,238 |
| Average equity | $4,014,670 | 6,675 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1808% | 7,225 |
| Cost of funding earning assets | 0.1212% | 7,227 |
| Net interest margin | 2.0597% | 7,148 |
| Noninterest income to average assets | 95.6370% | 11 |
| Noninterest expense to average assets | 112.5461% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -15.6680% | 7,305 |
| Return on assets (ROA) | -15.6680% | 7,305 |
| Pretax return on assets | -15.5905% | 7,305 |
| Return on Equity (ROE) | -20.4066% | 7,114 |
| Retained earnings to average equity (ytd only) | -20.4066% | 7,048 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0800% | 261 |
| Assets per employee ($millions) | 0.3263% | 7,281 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 9.5767% | 7,289 |
| Equity capital to assets | 79.6782% | 23 |
| Core capital (leverage) ratio | 78.6248% | 20 |
| Tier 1 risk-based capital ratio | 188.1302% | 28 |
| Total risk-based capital ratio | 179.1017% | 28 |
| Memoranda: | ||
| Average total assets | $5,157,000 | 7,309 |
| Average earning assets | $3,301,500 | 7,301 |
| Average equity | $3,959,500 | 6,727 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5357% | 7,251 |
| Cost of funding earning assets | 0.1237% | 7,290 |
| Net interest margin | 2.4120% | 7,098 |
| Noninterest income to average assets | 92.1228% | 13 |
| Noninterest expense to average assets | 104.1615% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -10.4765% | 7,351 |
| Return on assets (ROA) | -10.4765% | 7,352 |
| Pretax return on assets | -10.4141% | 7,352 |
| Return on Equity (ROE) | -13.8187% | 6,857 |
| Retained earnings to average equity (ytd only) | -13.8187% | 6,834 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.4421% | 429 |
| Assets per employee ($millions) | 0.2996% | 7,330 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 9.8174% | 7,335 |
| Equity capital to assets | 73.8072% | 27 |
| Core capital (leverage) ratio | 72.5458% | 24 |
| Tier 1 risk-based capital ratio | 164.9509% | 33 |
| Total risk-based capital ratio | 164.9509% | 33 |
| Memoranda: | ||
| Average total assets | $4,801,200 | 7,358 |
| Average earning assets | $3,233,800 | 7,351 |
| Average equity | $3,640,000 | 6,844 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6318% | 7,331 |
| Cost of funding earning assets | 0.1253% | 7,371 |
| Net interest margin | 2.5065% | 7,132 |
| Noninterest income to average assets | 93.9578% | 13 |
| Noninterest expense to average assets | 102.1353% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -6.5422% | 7,407 |
| Return on assets (ROA) | -6.5422% | 7,409 |
| Pretax return on assets | -6.4857% | 7,405 |
| Return on Equity (ROE) | -8.5681% | 6,846 |
| Retained earnings to average equity (ytd only) | -8.5681% | 6,798 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8962% | 503 |
| Assets per employee ($millions) | 0.2904% | 7,413 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 10.1297% | 7,410 |
| Equity capital to assets | 77.8768% | 28 |
| Core capital (leverage) ratio | 76.6517% | 27 |
| Tier 1 risk-based capital ratio | 195.7946% | 32 |
| Total risk-based capital ratio | 195.7946% | 32 |
| Memoranda: | ||
| Average total assets | $4,728,250 | 7,437 |
| Average earning assets | $3,191,750 | 7,430 |
| Average equity | $3,610,250 | 6,909 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6872% | 7,398 |
| Cost of funding earning assets | 0.1250% | 7,450 |
| Net interest margin | 2.5622% | 7,147 |
| Noninterest income to average assets | 93.6252% | 14 |
| Noninterest expense to average assets | 101.9103% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -6.6109% | 7,477 |
| Return on assets (ROA) | -6.6109% | 7,479 |
| Pretax return on assets | -6.5250% | 7,473 |
| Return on Equity (ROE) | -8.7195% | 6,891 |
| Retained earnings to average equity (ytd only) | -8.7195% | 6,806 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.4905% | 571 |
| Assets per employee ($millions) | 0.2873% | 7,487 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 10.8767% | 7,485 |
| Equity capital to assets | 78.4860% | 28 |
| Core capital (leverage) ratio | 77.2800% | 27 |
| Tier 1 risk-based capital ratio | 197.9988% | 32 |
| Total risk-based capital ratio | 197.9988% | 32 |
| Memoranda: | ||
| Average total assets | $4,659,000 | 7,513 |
| Average earning assets | $3,200,330 | 7,506 |
| Average equity | $3,532,330 | 6,971 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5990% | 7,465 |
| Cost of funding earning assets | 0.1238% | 7,516 |
| Net interest margin | 2.4752% | 7,213 |
| Noninterest income to average assets | 88.6994% | 14 |
| Noninterest expense to average assets | 101.3220% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -11.0874% | 7,562 |
| Return on assets (ROA) | -11.0874% | 7,562 |
| Pretax return on assets | -10.9168% | 7,556 |
| Return on Equity (ROE) | -14.8805% | 7,144 |
| Retained earnings to average equity (ytd only) | -14.8805% | 7,038 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.6604% | 488 |
| Assets per employee ($millions) | 0.2874% | 7,547 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 10.8719% | 7,547 |
| Equity capital to assets | 78.9085% | 27 |
| Core capital (leverage) ratio | 77.7165% | 26 |
| Tier 1 risk-based capital ratio | 214.3853% | 28 |
| Total risk-based capital ratio | 214.3853% | 28 |
| Memoranda: | ||
| Average total assets | $4,690,000 | 7,574 |
| Average earning assets | $3,232,000 | 7,566 |
| Average equity | $3,494,500 | 7,017 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1852% | 7,466 |
| Cost of funding earning assets | 0.0350% | 7,611 |
| Net interest margin | 3.1502% | 6,391 |
| Noninterest income to average assets | 85.4612% | 15 |
| Noninterest expense to average assets | 96.1655% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -8.9022% | 7,630 |
| Return on assets (ROA) | -8.9022% | 7,630 |
| Pretax return on assets | -8.7502% | 7,631 |
| Return on Equity (ROE) | -11.3397% | 6,785 |
| Retained earnings to average equity (ytd only) | -11.3397% | 6,728 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.4948% | 565 |
| Assets per employee ($millions) | 0.3187% | 7,626 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 10.4581% | 7,627 |
| Equity capital to assets | 70.2782% | 36 |
| Core capital (leverage) ratio | 68.6383% | 33 |
| Tier 1 risk-based capital ratio | 167.6550% | 40 |
| Total risk-based capital ratio | 167.6550% | 40 |
| Memoranda: | ||
| Average total assets | $4,605,600 | 7,659 |
| Average earning assets | $2,857,000 | 7,653 |
| Average equity | $3,615,600 | 7,105 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2683% | 7,587 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 3.2683% | 6,118 |
| Noninterest income to average assets | 83.9423% | 16 |
| Noninterest expense to average assets | 90.6648% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -4.9396% | 7,641 |
| Return on assets (ROA) | -4.9396% | 7,649 |
| Pretax return on assets | -4.7642% | 7,622 |
| Return on Equity (ROE) | -6.1239% | 6,728 |
| Retained earnings to average equity (ytd only) | -6.1239% | 6,646 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9809% | 638 |
| Assets per employee ($millions) | 0.3019% | 7,731 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 11.0400% | 7,730 |
| Equity capital to assets | 79.8189% | 28 |
| Core capital (leverage) ratio | 78.5345% | 30 |
| Tier 1 risk-based capital ratio | 196.2441% | 40 |
| Total risk-based capital ratio | 196.2441% | 40 |
| Memoranda: | ||
| Average total assets | $4,561,750 | 7,762 |
| Average earning assets | $2,733,250 | 7,756 |
| Average equity | $3,679,500 | 7,180 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4752% | 7,616 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 3.4752% | 5,341 |
| Noninterest income to average assets | 83.2336% | 16 |
| Noninterest expense to average assets | 91.7188% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -6.7357% | 7,760 |
| Return on assets (ROA) | -6.7357% | 7,764 |
| Pretax return on assets | -6.4732% | 7,745 |
| Return on Equity (ROE) | -8.3221% | 6,909 |
| Retained earnings to average equity (ytd only) | -8.3221% | 6,837 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0031% | 629 |
| Assets per employee ($millions) | 0.3017% | 7,802 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 11.0473% | 7,797 |
| Equity capital to assets | 80.2916% | 28 |
| Core capital (leverage) ratio | 79.0019% | 29 |
| Tier 1 risk-based capital ratio | 212.6743% | 34 |
| Total risk-based capital ratio | 212.6743% | 34 |
| Memoranda: | ||
| Average total assets | $4,572,670 | 7,831 |
| Average earning assets | $2,647,330 | 7,827 |
| Average equity | $3,701,000 | 7,214 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6419% | 7,659 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 3.6419% | 4,530 |
| Noninterest income to average assets | 81.7232% | 16 |
| Noninterest expense to average assets | 93.4726% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -10.0957% | 7,899 |
| Return on assets (ROA) | -10.0957% | 7,899 |
| Pretax return on assets | -9.6606% | 7,891 |
| Return on Equity (ROE) | -12.4247% | 7,236 |
| Retained earnings to average equity (ytd only) | -12.4247% | 7,096 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.9688% | 599 |
| Assets per employee ($millions) | 0.3032% | 7,906 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 10.9938% | 7,899 |
| Equity capital to assets | 80.8927% | 26 |
| Core capital (leverage) ratio | 79.5385% | 27 |
| Tier 1 risk-based capital ratio | 199.8817% | 35 |
| Total risk-based capital ratio | 199.8817% | 35 |
| Memoranda: | ||
| Average total assets | $4,596,000 | 7,934 |
| Average earning assets | $2,636,000 | 7,931 |
| Average equity | $3,734,500 | 7,273 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0096% | 7,691 |
| Cost of funding earning assets | 0.2462% | 7,925 |
| Net interest margin | 3.7634% | 3,858 |
| Noninterest income to average assets | 75.0610% | 17 |
| Noninterest expense to average assets | 95.7667% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -18.4255% | 8,004 |
| Return on assets (ROA) | -18.3795% | 8,004 |
| Pretax return on assets | -18.1952% | 8,003 |
| Return on Equity (ROE) | -22.8287% | 7,226 |
| Retained earnings to average equity (ytd only) | -22.8287% | 7,198 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.7469% | 581 |
| Assets per employee ($millions) | 0.3096% | 7,985 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 10.7666% | 7,972 |
| Equity capital to assets | 81.6107% | 27 |
| Core capital (leverage) ratio | 80.4308% | 28 |
| Tier 1 risk-based capital ratio | 196.4186% | 35 |
| Total risk-based capital ratio | 196.4186% | 35 |
| Memoranda: | ||
| Average total assets | $4,341,800 | 8,014 |
| Average earning assets | $2,843,200 | 8,008 |
| Average equity | $3,495,600 | 7,445 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1451% | 7,757 |
| Cost of funding earning assets | 0.3223% | 7,993 |
| Net interest margin | 3.8225% | 3,566 |
| Noninterest income to average assets | 72.9742% | 17 |
| Noninterest expense to average assets | 101.3199% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -25.8768% | 8,095 |
| Return on assets (ROA) | -25.8145% | 8,095 |
| Pretax return on assets | -25.6895% | 8,093 |
| Return on Equity (ROE) | -32.1832% | 7,647 |
| Retained earnings to average equity (ytd only) | -32.1832% | 7,633 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 132.2167% | 452 |
| Assets per employee ($millions) | 0.2808% | 8,073 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 11.8708% | 8,056 |
| Equity capital to assets | 79.9383% | 31 |
| Core capital (leverage) ratio | 78.2048% | 31 |
| Tier 1 risk-based capital ratio | 191.7774% | 37 |
| Total risk-based capital ratio | 191.7774% | 37 |
| Memoranda: | ||
| Average total assets | $4,266,250 | 8,100 |
| Average earning assets | $2,895,000 | 8,095 |
| Average equity | $3,422,000 | 7,538 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1495% | 7,852 |
| Cost of funding earning assets | 0.4016% | 8,071 |
| Net interest margin | 3.7479% | 3,760 |
| Noninterest income to average assets | 67.9686% | 18 |
| Noninterest expense to average assets | 100.8793% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -30.4832% | 8,187 |
| Return on assets (ROA) | -30.4832% | 8,187 |
| Pretax return on assets | -30.2965% | 8,187 |
| Return on Equity (ROE) | -37.9615% | 7,825 |
| Retained earnings to average equity (ytd only) | -37.9615% | 7,808 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.9392% | 421 |
| Assets per employee ($millions) | 0.2894% | 8,169 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 11.5181% | 8,151 |
| Equity capital to assets | 74.5450% | 37 |
| Core capital (leverage) ratio | 72.5466% | 35 |
| Tier 1 risk-based capital ratio | 163.0374% | 43 |
| Total risk-based capital ratio | 163.0374% | 43 |
| Memoranda: | ||
| Average total assets | $4,284,330 | 8,195 |
| Average earning assets | $2,988,330 | 8,189 |
| Average equity | $3,440,330 | 7,593 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4519% | 7,757 |
| Cost of funding earning assets | 0.4047% | 8,133 |
| Net interest margin | 4.0472% | 2,464 |
| Noninterest income to average assets | 66.0714% | 17 |
| Noninterest expense to average assets | 92.1053% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -23.4962% | 8,229 |
| Return on assets (ROA) | -23.4962% | 8,224 |
| Pretax return on assets | -23.2143% | 8,220 |
| Return on Equity (ROE) | -28.2287% | 7,889 |
| Retained earnings to average equity (ytd only) | -28.2287% | 7,832 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.6508% | 489 |
| Assets per employee ($millions) | 0.2722% | 8,221 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.2459% | 8,203 |
| Equity capital to assets | 83.9824% | 21 |
| Core capital (leverage) ratio | 82.7395% | 27 |
| Tier 1 risk-based capital ratio | 203.1756% | 39 |
| Total risk-based capital ratio | 203.1756% | 39 |
| Memoranda: | ||
| Average total assets | $4,256,000 | 8,246 |
| Average earning assets | $2,965,000 | 8,240 |
| Average equity | $3,542,500 | 7,612 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6189% | 8,004 |
| Cost of funding earning assets | 0.5599% | 8,182 |
| Net interest margin | 4.0591% | 2,877 |
| Noninterest income to average assets | 58.9129% | 25 |
| Noninterest expense to average assets | 61.9754% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.5898% | 7,000 |
| Return on assets (ROA) | -0.5898% | 6,886 |
| Pretax return on assets | -0.4310% | 6,580 |
| Return on Equity (ROE) | -0.6976% | 6,324 |
| Retained earnings to average equity (ytd only) | -0.6976% | 5,512 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4519% | 1,045 |
| Assets per employee ($millions) | 0.2953% | 8,271 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 11.2892% | 8,260 |
| Equity capital to assets | 82.5469% | 28 |
| Core capital (leverage) ratio | 81.3375% | 30 |
| Tier 1 risk-based capital ratio | 226.5636% | 36 |
| Total risk-based capital ratio | 226.5636% | 36 |
| Memoranda: | ||
| Average total assets | $4,408,200 | 8,304 |
| Average earning assets | $2,857,800 | 8,303 |
| Average equity | $3,727,200 | 7,598 |
| Average total loans | NA | NA |