Home > Fidelity Personal Trust Company, FSB > Performance and Condition Ratios
Fidelity Personal Trust Company, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 3,188 |
| Cost of funding earning assets | 0.0079% | 4,516 |
| Net interest margin | 4.4428% | 665 |
| Noninterest income to average assets | 43.2100% | 58 |
| Noninterest expense to average assets | 22.9956% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 18.3127% | 28 |
| Return on assets (ROA) | 19.3741% | 25 |
| Pretax return on assets | 25.5756% | 25 |
| Return on Equity (ROE) | 20.2900% | 593 |
| Retained earnings to average equity (ytd only) | 20.2890% | 127 |
| 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 | 48.6908% | 4,053 |
| Assets per employee ($millions) | 1.5300% | 4,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 0.6400% | 4,536 |
| Equity capital to assets | 95.1172% | 61 |
| Core capital (leverage) ratio | 100.2431% | 9 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $70,191,800 | 4,107 |
| Average earning assets | $63,405,600 | 4,105 |
| Average equity | $67,026,600 | 1,293 |
| Average total loans | $0 | 4,477 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7164% | 2,176 |
| Cost of funding earning assets | 0.0066% | 4,568 |
| Net interest margin | 4.7098% | 450 |
| Noninterest income to average assets | 44.7000% | 52 |
| Noninterest expense to average assets | 23.5929% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 18.9892% | 27 |
| Return on assets (ROA) | 19.5425% | 27 |
| Pretax return on assets | 26.0547% | 25 |
| Return on Equity (ROE) | 20.5100% | 656 |
| Retained earnings to average equity (ytd only) | 20.5072% | 233 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 48.2007% | 4,050 |
| Assets per employee ($millions) | 1.3403% | 4,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.7200% | 4,590 |
| Equity capital to assets | 96.3843% | 59 |
| Core capital (leverage) ratio | 98.6693% | 17 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $67,105,000 | 4,178 |
| Average earning assets | $60,511,667 | 4,170 |
| Average equity | $63,948,333 | 1,321 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 2,660 |
| Cost of funding earning assets | 0.0067% | 4,613 |
| Net interest margin | 4.3494% | 748 |
| Noninterest income to average assets | 44.0200% | 55 |
| Noninterest expense to average assets | 24.6896% | 66 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 17.3452% | 29 |
| Return on assets (ROA) | 20.8361% | 24 |
| Pretax return on assets | 27.6801% | 21 |
| Return on Equity (ROE) | 22.0000% | 582 |
| Retained earnings to average equity (ytd only) | 21.9976% | 286 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 51.4894% | 3,822 |
| Assets per employee ($millions) | 1.3061% | 4,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 0.7500% | 4,633 |
| Equity capital to assets | 96.1537% | 14 |
| Core capital (leverage) ratio | 97.3996% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $65,809,000 | 4,247 |
| Average earning assets | $59,502,000 | 4,243 |
| Average equity | $62,334,000 | 1,358 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0397% | 1,617 |
| Cost of funding earning assets | 0.0086% | 4,639 |
| Net interest margin | 4.0311% | 749 |
| Noninterest income to average assets | 44.4900% | 55 |
| Noninterest expense to average assets | 25.5229% | 67 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 17.6605% | 30 |
| Return on assets (ROA) | 6.0521% | 58 |
| Pretax return on assets | 7.9387% | 55 |
| Return on Equity (ROE) | 6.6900% | 3,698 |
| Retained earnings to average equity (ytd only) | 6.6903% | 2,373 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 53.0007% | 3,885 |
| Assets per employee ($millions) | 1.4132% | 4,627 |
| 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 | 0.7700% | 4,666 |
| Equity capital to assets | 93.2501% | 27 |
| Core capital (leverage) ratio | 97.7821% | 16 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $63,977,800 | 4,294 |
| Average earning assets | $58,173,200 | 4,289 |
| Average equity | $57,875,200 | 1,444 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6332% | 2,250 |
| Cost of funding earning assets | 0.0092% | 4,675 |
| Net interest margin | 3.6240% | 1,339 |
| Noninterest income to average assets | 42.9700% | 53 |
| Noninterest expense to average assets | 23.9792% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 17.5239% | 29 |
| Return on assets (ROA) | 2.2368% | 203 |
| Pretax return on assets | 2.9399% | 147 |
| Return on Equity (ROE) | 2.4900% | 4,359 |
| Retained earnings to average equity (ytd only) | 2.4923% | 3,917 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 51.8247% | 4,027 |
| Assets per employee ($millions) | 1.3373% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 0.8300% | 4,706 |
| Equity capital to assets | 96.0766% | 16 |
| Core capital (leverage) ratio | 91.8809% | 37 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $63,720,250 | 4,334 |
| Average earning assets | $57,982,000 | 4,320 |
| Average equity | $57,189,000 | 1,470 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1794% | 3,112 |
| Cost of funding earning assets | 0.0068% | 4,744 |
| Net interest margin | 3.1727% | 2,275 |
| Noninterest income to average assets | 43.3029% | 21 |
| Noninterest expense to average assets | 23.5929% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 17.7679% | 15 |
| Return on assets (ROA) | 2.2773% | 141 |
| Pretax return on assets | 2.9892% | 98 |
| Return on Equity (ROE) | 2.5939% | 4,277 |
| Retained earnings to average equity (ytd only) | 2.5939% | 3,582 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0775% | 4,185 |
| Assets per employee ($millions) | 1.5233% | 4,716 |
| 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 | 0.8006% | 4,770 |
| Equity capital to assets | 92.0425% | 12 |
| Core capital (leverage) ratio | 91.0801% | 20 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $64,901,000 | 4,357 |
| Average earning assets | $59,067,000 | 4,365 |
| Average equity | $56,979,667 | 1,502 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0634% | 3,073 |
| Cost of funding earning assets | 0.0067% | 4,763 |
| Net interest margin | 3.0568% | 2,308 |
| Noninterest income to average assets | 38.9879% | 25 |
| Noninterest expense to average assets | 22.4672% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 15.2750% | 18 |
| Return on assets (ROA) | -0.2662% | 4,643 |
| Pretax return on assets | -0.3751% | 4,656 |
| Return on Equity (ROE) | -0.3103% | 4,545 |
| Retained earnings to average equity (ytd only) | -0.3103% | 4,058 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7949% | 4,071 |
| Assets per employee ($millions) | 1.7013% | 4,732 |
| 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 | 0.7734% | 4,797 |
| Equity capital to assets | 87.7106% | 16 |
| Core capital (leverage) ratio | 85.6543% | 22 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $66,123,000 | 4,359 |
| Average earning assets | $60,063,500 | 4,378 |
| Average equity | $56,726,000 | 1,551 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0209% | 4,679 |
| Cost of funding earning assets | 0.0104% | 4,798 |
| Net interest margin | 2.0105% | 4,597 |
| Noninterest income to average assets | 61.2492% | 18 |
| Noninterest expense to average assets | 26.1869% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 27.8571% | 9 |
| Return on assets (ROA) | 26.3292% | 11 |
| Pretax return on assets | 34.5983% | 11 |
| Return on Equity (ROE) | 27.5075% | 91 |
| Retained earnings to average equity (ytd only) | -43.3059% | 4,829 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.7525% | 4,645 |
| Assets per employee ($millions) | 1.6924% | 4,780 |
| Cash dividends to net income (ytd only)* | 257.4329% | 23 |
| 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 | 0.7386% | 4,840 |
| Equity capital to assets | 82.1646% | 17 |
| Core capital (leverage) ratio | 52.9390% | 31 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $104,750,800 | 3,946 |
| Average earning assets | $76,599,200 | 4,177 |
| Average equity | $100,263,400 | 1,007 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7745% | 4,800 |
| Cost of funding earning assets | 0.0133% | 4,868 |
| Net interest margin | 1.7612% | 4,760 |
| Noninterest income to average assets | 66.9841% | 17 |
| Noninterest expense to average assets | 27.7912% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 30.6582% | 8 |
| Return on assets (ROA) | 29.6494% | 8 |
| Pretax return on assets | 39.1532% | 9 |
| Return on Equity (ROE) | 30.3387% | 91 |
| Retained earnings to average equity (ytd only) | 18.3727% | 185 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.7367% | 4,702 |
| Assets per employee ($millions) | 3.1628% | 4,722 |
| Cash dividends to net income (ytd only)* | 39.4415% | 1,646 |
| 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 | 0.4273% | 4,918 |
| Equity capital to assets | 97.7552% | 3 |
| Core capital (leverage) ratio | 92.7937% | 14 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $114,014,250 | 3,904 |
| Average earning assets | $80,093,750 | 4,182 |
| Average equity | $111,423,500 | 939 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7130% | 4,851 |
| Cost of funding earning assets | 0.0125% | 4,910 |
| Net interest margin | 1.7005% | 4,808 |
| Noninterest income to average assets | 90.3434% | 15 |
| Noninterest expense to average assets | 35.5930% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 42.3430% | 4 |
| Return on assets (ROA) | 41.1057% | 5 |
| Pretax return on assets | 54.3894% | 4 |
| Return on Equity (ROE) | 42.0656% | 38 |
| Retained earnings to average equity (ytd only) | 42.0656% | 13 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8788% | 4,779 |
| Assets per employee ($millions) | 3.3620% | 4,710 |
| 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 | 0.4019% | 4,954 |
| Equity capital to assets | 98.2925% | 3 |
| Core capital (leverage) ratio | 103.5221% | 4 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $113,011,000 | 3,935 |
| Average earning assets | $80,094,333 | 4,207 |
| Average equity | $110,432,333 | 940 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6724% | 4,887 |
| Cost of funding earning assets | 0.0150% | 4,939 |
| Net interest margin | 1.6575% | 4,849 |
| Noninterest income to average assets | 91.7112% | 15 |
| Noninterest expense to average assets | 36.7538% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 42.7814% | 4 |
| Return on assets (ROA) | 40.7792% | 4 |
| Pretax return on assets | 53.6603% | 4 |
| Return on Equity (ROE) | 41.8740% | 60 |
| Retained earnings to average equity (ytd only) | 41.8740% | 31 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.5421% | 4,756 |
| Assets per employee ($millions) | 3.0199% | 4,818 |
| 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 | 0.4475% | 4,982 |
| Equity capital to assets | 98.4303% | 3 |
| Core capital (leverage) ratio | 101.6855% | 3 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $107,319,500 | 3,994 |
| Average earning assets | $80,122,000 | 4,216 |
| Average equity | $104,513,500 | 972 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3372% | 4,872 |
| Cost of funding earning assets | 0.0127% | 4,971 |
| Net interest margin | 2.3245% | 4,704 |
| Noninterest income to average assets | 91.3107% | 14 |
| Noninterest expense to average assets | 40.8511% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 39.7237% | 4 |
| Return on assets (ROA) | 41.5976% | 4 |
| Pretax return on assets | 54.6389% | 3 |
| Return on Equity (ROE) | 44.2187% | 25 |
| Retained earnings to average equity (ytd only) | 9.5769% | 663 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8702% | 4,792 |
| Assets per employee ($millions) | 2.9603% | 4,818 |
| Cash dividends to net income (ytd only)* | 78.3420% | 690 |
| 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 | 0.4826% | 5,003 |
| Equity capital to assets | 93.6715% | 7 |
| Core capital (leverage) ratio | 91.1501% | 11 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $101,263,000 | 3,979 |
| Average earning assets | $78,725,800 | 4,175 |
| Average equity | $95,260,600 | 1,004 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3442% | 4,928 |
| Cost of funding earning assets | 0.0136% | 5,010 |
| Net interest margin | 2.3306% | 4,767 |
| Noninterest income to average assets | 91.0619% | 14 |
| Noninterest expense to average assets | 40.3634% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 39.5971% | 4 |
| Return on assets (ROA) | 41.7566% | 4 |
| Pretax return on assets | 55.2450% | 3 |
| Return on Equity (ROE) | 44.3390% | 29 |
| Retained earnings to average equity (ytd only) | 19.0266% | 93 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4599% | 4,816 |
| Assets per employee ($millions) | 2.9531% | 4,852 |
| Cash dividends to net income (ytd only)* | 57.0885% | 1,218 |
| 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 | 0.4838% | 5,035 |
| Equity capital to assets | 98.1637% | 2 |
| Core capital (leverage) ratio | 98.8484% | 7 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $100,676,250 | 3,983 |
| Average earning assets | $78,319,500 | 4,190 |
| Average equity | $94,812,500 | 994 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5799% | 4,950 |
| Cost of funding earning assets | 0.0128% | 5,047 |
| Net interest margin | 2.5671% | 4,688 |
| Noninterest income to average assets | 89.7012% | 14 |
| Noninterest expense to average assets | 39.9870% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 38.7495% | 5 |
| Return on assets (ROA) | 42.2299% | 3 |
| Pretax return on assets | 56.1242% | 3 |
| Return on Equity (ROE) | 45.5070% | 22 |
| Retained earnings to average equity (ytd only) | 6.6287% | 1,813 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6037% | 4,824 |
| Assets per employee ($millions) | 2.7879% | 4,912 |
| Cash dividends to net income (ytd only)* | 85.4336% | 669 |
| 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 | 0.4982% | 5,069 |
| Equity capital to assets | 90.6672% | 12 |
| Core capital (leverage) ratio | 87.9472% | 16 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,782,333 | 3,995 |
| Average earning assets | $77,909,333 | 4,200 |
| Average equity | $92,596,667 | 1,011 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8774% | 4,985 |
| Cost of funding earning assets | 0.0104% | 5,095 |
| Net interest margin | 2.8670% | 4,483 |
| Noninterest income to average assets | 91.8841% | 14 |
| Noninterest expense to average assets | 41.2461% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 39.5108% | 6 |
| Return on assets (ROA) | 43.9479% | 4 |
| Pretax return on assets | 58.4779% | 3 |
| Return on Equity (ROE) | 46.8160% | 17 |
| Retained earnings to average equity (ytd only) | 46.8160% | 6 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.8288% | 4,885 |
| Assets per employee ($millions) | 2.8579% | 4,849 |
| 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 | 0.4999% | 5,117 |
| Equity capital to assets | 98.8333% | 3 |
| Core capital (leverage) ratio | 99.5840% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $99,490,500 | 4,002 |
| Average earning assets | $77,152,500 | 4,212 |
| Average equity | $93,395,500 | 995 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3731% | 4,929 |
| Cost of funding earning assets | 0.0135% | 5,159 |
| Net interest margin | 3.3596% | 3,852 |
| Noninterest income to average assets | 95.9962% | 14 |
| Noninterest expense to average assets | 44.2598% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 39.9907% | 5 |
| Return on assets (ROA) | 41.6757% | 5 |
| Pretax return on assets | 56.4462% | 3 |
| Return on Equity (ROE) | 47.7428% | 13 |
| Retained earnings to average equity (ytd only) | 14.6275% | 102 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9005% | 4,948 |
| Assets per employee ($millions) | 2.8279% | 4,897 |
| Cash dividends to net income (ytd only)* | 69.3619% | 1,153 |
| 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 | 0.5052% | 5,179 |
| Equity capital to assets | 87.8232% | 20 |
| Core capital (leverage) ratio | 88.3840% | 18 |
| Tier 1 risk-based capital ratio | 87.8800% | 50 |
| Total risk-based capital ratio | 87.8800% | 50 |
| Memoranda: | ||
| Average total assets | $96,862,200 | 4,048 |
| Average earning assets | $74,294,200 | 4,282 |
| Average equity | $84,553,000 | 1,036 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2179% | 5,086 |
| Cost of funding earning assets | 0.0145% | 5,238 |
| Net interest margin | 3.2035% | 4,294 |
| Noninterest income to average assets | 95.4668% | 14 |
| Noninterest expense to average assets | 44.4027% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 40.0618% | 5 |
| Return on assets (ROA) | 42.4651% | 5 |
| Pretax return on assets | 56.5615% | 3 |
| Return on Equity (ROE) | 48.7233% | 12 |
| Retained earnings to average equity (ytd only) | 29.6672% | 15 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3449% | 4,961 |
| Assets per employee ($millions) | 2.8063% | 4,969 |
| Cash dividends to net income (ytd only)* | 39.1109% | 2,196 |
| 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 | 0.5091% | 5,260 |
| Equity capital to assets | 94.9257% | 7 |
| Core capital (leverage) ratio | 95.5238% | 10 |
| Tier 1 risk-based capital ratio | 94.9876% | 46 |
| Total risk-based capital ratio | 94.9876% | 46 |
| Memoranda: | ||
| Average total assets | $96,334,000 | 4,103 |
| Average earning assets | $73,834,500 | 4,340 |
| Average equity | $83,960,500 | 1,042 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2543% | 5,139 |
| Cost of funding earning assets | 0.0137% | 5,286 |
| Net interest margin | 3.2406% | 4,268 |
| Noninterest income to average assets | 95.7379% | 14 |
| Noninterest expense to average assets | 44.0750% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 40.5025% | 5 |
| Return on assets (ROA) | 43.4857% | 5 |
| Pretax return on assets | 57.9196% | 3 |
| Return on Equity (ROE) | 51.4639% | 9 |
| Retained earnings to average equity (ytd only) | 21.7860% | 45 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8745% | 5,032 |
| Assets per employee ($millions) | 2.6274% | 5,083 |
| Cash dividends to net income (ytd only)* | 57.6674% | 1,478 |
| 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 | 0.5143% | 5,306 |
| Equity capital to assets | 85.7540% | 18 |
| Core capital (leverage) ratio | 89.0365% | 19 |
| Tier 1 risk-based capital ratio | 85.8228% | 52 |
| Total risk-based capital ratio | 85.8228% | 53 |
| Memoranda: | ||
| Average total assets | $95,705,000 | 4,133 |
| Average earning assets | $73,257,670 | 4,386 |
| Average equity | $80,868,330 | 1,068 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1923% | 5,211 |
| Cost of funding earning assets | 0.0165% | 5,343 |
| Net interest margin | 3.1758% | 4,437 |
| Noninterest income to average assets | 94.0738% | 14 |
| Noninterest expense to average assets | 44.0606% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 39.2576% | 5 |
| Return on assets (ROA) | 42.6789% | 5 |
| Pretax return on assets | 56.7703% | 3 |
| Return on Equity (ROE) | 50.8964% | 14 |
| Retained earnings to average equity (ytd only) | 50.8964% | 7 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6585% | 5,040 |
| Assets per employee ($millions) | 2.6501% | 5,126 |
| 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 | 0.5241% | 5,365 |
| Equity capital to assets | 88.7675% | 15 |
| Core capital (leverage) ratio | 89.4879% | 15 |
| Tier 1 risk-based capital ratio | 88.8411% | 46 |
| Total risk-based capital ratio | 88.8411% | 48 |
| Memoranda: | ||
| Average total assets | $94,951,000 | 4,185 |
| Average earning assets | $72,549,500 | 4,441 |
| Average equity | $79,620,500 | 1,077 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0317% | 5,216 |
| Cost of funding earning assets | 0.0141% | 5,386 |
| Net interest margin | 3.0176% | 4,782 |
| Noninterest income to average assets | 103.2340% | 11 |
| Noninterest expense to average assets | 44.3269% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 47.0471% | 4 |
| Return on assets (ROA) | 45.8011% | 4 |
| Pretax return on assets | 59.5537% | 3 |
| Return on Equity (ROE) | 52.1636% | 7 |
| Retained earnings to average equity (ytd only) | -29.3783% | 5,385 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.0328% | 5,241 |
| Assets per employee ($millions) | 2.3050% | 5,264 |
| Cash dividends to net income (ytd only)* | 156.3195% | 87 |
| 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 | 0.5291% | 5,408 |
| Equity capital to assets | 78.8585% | 25 |
| Core capital (leverage) ratio | 79.5012% | 23 |
| Tier 1 risk-based capital ratio | 78.9144% | 55 |
| Total risk-based capital ratio | 78.9144% | 56 |
| Memoranda: | ||
| Average total assets | $96,185,400 | 4,164 |
| Average earning assets | $70,884,400 | 4,479 |
| Average equity | $84,453,600 | 985 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8024% | 5,355 |
| Cost of funding earning assets | 0.0151% | 5,457 |
| Net interest margin | 2.7873% | 5,102 |
| Noninterest income to average assets | 104.8323% | 10 |
| Noninterest expense to average assets | 44.1483% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 52.4569% | 2 |
| Return on assets (ROA) | 50.1023% | 3 |
| Pretax return on assets | 59.9193% | 3 |
| Return on Equity (ROE) | 55.6751% | 6 |
| Retained earnings to average equity (ytd only) | -26.9358% | 5,451 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.3100% | 5,293 |
| Assets per employee ($millions) | 2.5461% | 5,269 |
| Cash dividends to net income (ytd only)* | 148.3802% | 83 |
| 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 | 0.5308% | 5,481 |
| Equity capital to assets | 86.8063% | 18 |
| Core capital (leverage) ratio | 81.0030% | 23 |
| Tier 1 risk-based capital ratio | 86.8699% | 47 |
| Total risk-based capital ratio | 86.8699% | 47 |
| Memoranda: | ||
| Average total assets | $96,605,250 | 4,200 |
| Average earning assets | $70,652,750 | 4,531 |
| Average equity | $86,935,500 | 960 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8079% | 5,401 |
| Cost of funding earning assets | 0.0142% | 5,521 |
| Net interest margin | 2.7938% | 5,127 |
| Noninterest income to average assets | 107.3634% | 11 |
| Noninterest expense to average assets | 43.8578% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 57.2597% | 2 |
| Return on assets (ROA) | 54.3069% | 2 |
| Pretax return on assets | 62.1381% | 3 |
| Return on Equity (ROE) | 59.6668% | 6 |
| Retained earnings to average equity (ytd only) | -61.8483% | 5,535 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0931% | 5,398 |
| Assets per employee ($millions) | 3.1018% | 5,018 |
| Cash dividends to net income (ytd only)* | 203.6561% | 60 |
| 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 | 0.5200% | 5,546 |
| Equity capital to assets | 74.7972% | 31 |
| Core capital (leverage) ratio | 72.6617% | 32 |
| Tier 1 risk-based capital ratio | 74.8603% | 60 |
| Total risk-based capital ratio | 74.8603% | 60 |
| Memoranda: | ||
| Average total assets | $97,405,670 | 4,218 |
| Average earning assets | $70,657,330 | 4,576 |
| Average equity | $88,655,670 | 940 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7227% | 5,475 |
| Cost of funding earning assets | 0.0170% | 5,583 |
| Net interest margin | 2.7057% | 5,252 |
| Noninterest income to average assets | 106.9830% | 11 |
| Noninterest expense to average assets | 44.6024% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 63.7146% | 2 |
| Return on assets (ROA) | 58.0309% | 2 |
| Pretax return on assets | 58.5899% | 3 |
| Return on Equity (ROE) | 58.6338% | 9 |
| Retained earnings to average equity (ytd only) | -19.1420% | 5,495 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.9447% | 5,435 |
| Assets per employee ($millions) | 2.9930% | 5,157 |
| Cash dividends to net income (ytd only)* | 132.6466% | 377 |
| 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 | 0.5220% | 5,609 |
| Equity capital to assets | 98.8703% | 1 |
| Core capital (leverage) ratio | 95.5454% | 10 |
| Tier 1 risk-based capital ratio | 98.9550% | 41 |
| Total risk-based capital ratio | 98.9550% | 41 |
| Memoranda: | ||
| Average total assets | $98,030,500 | 4,249 |
| Average earning assets | $70,665,000 | 4,627 |
| Average equity | $97,022,500 | 872 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9093% | 5,409 |
| Cost of funding earning assets | 0.0015% | 5,658 |
| Net interest margin | 2.9078% | 5,033 |
| Noninterest income to average assets | 110.4131% | 9 |
| Noninterest expense to average assets | 45.7126% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 66.1508% | 2 |
| Return on assets (ROA) | 66.1518% | 2 |
| Pretax return on assets | 66.8078% | 2 |
| Return on Equity (ROE) | 76.4968% | 5 |
| Retained earnings to average equity (ytd only) | 35.5941% | 7 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.6264% | 5,517 |
| Assets per employee ($millions) | 3.1303% | 5,097 |
| Cash dividends to net income (ytd only)* | 53.4699% | 2,092 |
| 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 | 0.4991% | 5,674 |
| Equity capital to assets | 99.0676% | 1 |
| Core capital (leverage) ratio | 97.9374% | 5 |
| Tier 1 risk-based capital ratio | 99.1973% | 43 |
| Total risk-based capital ratio | 99.1973% | 45 |
| Memoranda: | ||
| Average total assets | $93,296,000 | 4,363 |
| Average earning assets | $67,576,200 | 4,713 |
| Average equity | $80,679,200 | 1,002 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8614% | 5,496 |
| Cost of funding earning assets | 0.0020% | 5,724 |
| Net interest margin | 2.8594% | 5,146 |
| Noninterest income to average assets | 111.4092% | 11 |
| Noninterest expense to average assets | 46.5417% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 66.3132% | 2 |
| Return on assets (ROA) | 66.3147% | 2 |
| Pretax return on assets | 66.9509% | 3 |
| Return on Equity (ROE) | 79.8650% | 7 |
| Retained earnings to average equity (ytd only) | 32.5225% | 13 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0091% | 5,558 |
| Assets per employee ($millions) | 2.7281% | 5,423 |
| Cash dividends to net income (ytd only)* | 59.2781% | 1,373 |
| 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 | 0.5390% | 5,739 |
| Equity capital to assets | 92.4297% | 12 |
| Core capital (leverage) ratio | 91.7000% | 13 |
| Tier 1 risk-based capital ratio | 92.4725% | 46 |
| Total risk-based capital ratio | 92.4725% | 46 |
| Memoranda: | ||
| Average total assets | $91,577,250 | 4,438 |
| Average earning assets | $66,680,000 | 4,782 |
| Average equity | $76,039,750 | 1,066 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9106% | 5,502 |
| Cost of funding earning assets | 0.0030% | 5,772 |
| Net interest margin | 2.9076% | 5,083 |
| Noninterest income to average assets | 110.9910% | 11 |
| Noninterest expense to average assets | 46.8810% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 65.5992% | 2 |
| Return on assets (ROA) | 65.6014% | 2 |
| Pretax return on assets | 66.2309% | 3 |
| Return on Equity (ROE) | 82.1586% | 7 |
| Retained earnings to average equity (ytd only) | 7.9909% | 1,171 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4474% | 5,592 |
| Assets per employee ($millions) | 2.6939% | 5,475 |
| Cash dividends to net income (ytd only)* | 90.2738% | 615 |
| 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 | 0.5459% | 5,791 |
| Equity capital to assets | 76.2037% | 30 |
| Core capital (leverage) ratio | 73.3570% | 31 |
| Tier 1 risk-based capital ratio | 76.2043% | 54 |
| Total risk-based capital ratio | 76.2043% | 55 |
| Memoranda: | ||
| Average total assets | $91,184,000 | 4,475 |
| Average earning assets | $66,446,330 | 4,819 |
| Average equity | $72,808,000 | 1,100 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9272% | 5,523 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 2.9272% | 5,032 |
| Noninterest income to average assets | 111.0630% | 10 |
| Noninterest expense to average assets | 48.8157% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 63.7730% | 2 |
| Return on assets (ROA) | 63.7774% | 2 |
| Pretax return on assets | 64.3841% | 3 |
| Return on Equity (ROE) | 78.0806% | 11 |
| Retained earnings to average equity (ytd only) | 78.0806% | 6 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.1251% | 5,622 |
| Assets per employee ($millions) | 2.7578% | 5,508 |
| 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 | 0.5494% | 5,857 |
| Equity capital to assets | 89.5692% | 14 |
| Core capital (leverage) ratio | 88.3028% | 20 |
| Tier 1 risk-based capital ratio | 89.8385% | 45 |
| Total risk-based capital ratio | 89.8385% | 45 |
| Memoranda: | ||
| Average total assets | $90,979,000 | 4,523 |
| Average earning assets | $66,276,000 | 4,873 |
| Average equity | $74,313,000 | 1,079 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8772% | 5,598 |
| Cost of funding earning assets | 0.0015% | 5,894 |
| Net interest margin | 2.8757% | 5,173 |
| Noninterest income to average assets | 111.6467% | 12 |
| Noninterest expense to average assets | 48.1697% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 64.9247% | 3 |
| Return on assets (ROA) | 64.9258% | 3 |
| Pretax return on assets | 65.5471% | 3 |
| Return on Equity (ROE) | 78.8452% | 6 |
| Retained earnings to average equity (ytd only) | -8.5267% | 5,767 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.3598% | 5,738 |
| Assets per employee ($millions) | 2.5985% | 5,619 |
| Cash dividends to net income (ytd only)* | 110.8145% | 270 |
| 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 | 0.5498% | 5,915 |
| Equity capital to assets | 72.7836% | 29 |
| Core capital (leverage) ratio | 67.4424% | 30 |
| Tier 1 risk-based capital ratio | 73.0030% | 58 |
| Total risk-based capital ratio | 73.0030% | 58 |
| Memoranda: | ||
| Average total assets | $91,734,000 | 4,519 |
| Average earning assets | $66,002,200 | 4,892 |
| Average equity | $75,539,200 | 1,051 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6943% | 5,763 |
| Cost of funding earning assets | 0.0020% | 5,961 |
| Net interest margin | 2.6923% | 5,499 |
| Noninterest income to average assets | 110.2354% | 11 |
| Noninterest expense to average assets | 46.6121% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 64.9377% | 2 |
| Return on assets (ROA) | 64.9392% | 2 |
| Pretax return on assets | 65.5543% | 3 |
| Return on Equity (ROE) | 76.1220% | 7 |
| Retained earnings to average equity (ytd only) | 13.2014% | 212 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5567% | 5,796 |
| Assets per employee ($millions) | 2.8936% | 5,476 |
| Cash dividends to net income (ytd only)* | 82.6575% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.5400% | 5,984 |
| Equity capital to assets | 88.6571% | 15 |
| Core capital (leverage) ratio | 88.3612% | 16 |
| Tier 1 risk-based capital ratio | 88.8818% | 47 |
| Total risk-based capital ratio | 88.8818% | 49 |
| Memoranda: | ||
| Average total assets | $91,905,250 | 4,547 |
| Average earning assets | $65,865,000 | 4,935 |
| Average equity | $78,403,750 | 1,020 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6251% | 5,862 |
| Cost of funding earning assets | 0.0031% | 6,038 |
| Net interest margin | 2.6220% | 5,643 |
| Noninterest income to average assets | 113.5420% | 12 |
| Noninterest expense to average assets | 46.4160% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 68.3521% | 2 |
| Return on assets (ROA) | 68.3543% | 2 |
| Pretax return on assets | 69.0022% | 3 |
| Return on Equity (ROE) | 81.1980% | 7 |
| Retained earnings to average equity (ytd only) | -14.6888% | 5,931 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2162% | 5,901 |
| Assets per employee ($millions) | 2.5053% | 5,782 |
| Cash dividends to net income (ytd only)* | 118.0901% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.5394% | 6,062 |
| Equity capital to assets | 74.0693% | 30 |
| Core capital (leverage) ratio | 70.9470% | 30 |
| Tier 1 risk-based capital ratio | 74.2825% | 62 |
| Total risk-based capital ratio | 74.2825% | 63 |
| Memoranda: | ||
| Average total assets | $91,675,330 | 4,591 |
| Average earning assets | $65,522,000 | 4,993 |
| Average equity | $77,174,330 | 1,033 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6426% | 5,925 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 2.6426% | 5,676 |
| Noninterest income to average assets | 113.2502% | 10 |
| Noninterest expense to average assets | 46.3382% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 68.1538% | 2 |
| Return on assets (ROA) | 68.1581% | 2 |
| Pretax return on assets | 68.8031% | 3 |
| Return on Equity (ROE) | 76.3046% | 10 |
| Retained earnings to average equity (ytd only) | 76.3046% | 5 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.2462% | 5,956 |
| Assets per employee ($millions) | 2.6948% | 5,730 |
| 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 | 0.5457% | 6,125 |
| Equity capital to assets | 97.6982% | 2 |
| Core capital (leverage) ratio | 97.6726% | 3 |
| Tier 1 risk-based capital ratio | 98.1050% | 44 |
| Total risk-based capital ratio | 98.1050% | 44 |
| Memoranda: | ||
| Average total assets | $91,164,500 | 4,637 |
| Average earning assets | $65,087,000 | 5,047 |
| Average equity | $81,431,500 | 979 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1137% | 6,087 |
| Cost of funding earning assets | 0.0016% | 6,163 |
| Net interest margin | 2.1120% | 6,022 |
| Noninterest income to average assets | 115.5656% | 10 |
| Noninterest expense to average assets | 50.0425% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 66.3849% | 3 |
| Return on assets (ROA) | 66.3849% | 3 |
| Pretax return on assets | 67.0203% | 3 |
| Return on Equity (ROE) | 78.0627% | 6 |
| Retained earnings to average equity (ytd only) | 9.7664% | 496 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7484% | 6,008 |
| Assets per employee ($millions) | 2.7487% | 5,739 |
| Cash dividends to net income (ytd only)* | 87.4891% | 662 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.5512% | 6,184 |
| Equity capital to assets | 80.9232% | 27 |
| Core capital (leverage) ratio | 78.0198% | 26 |
| Tier 1 risk-based capital ratio | 81.2389% | 52 |
| Total risk-based capital ratio | 81.2389% | 53 |
| Memoranda: | ||
| Average total assets | $86,088,800 | 4,742 |
| Average earning assets | $61,031,000 | 5,160 |
| Average equity | $73,210,400 | 1,045 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8730% | 6,199 |
| Cost of funding earning assets | 0.0022% | 6,248 |
| Net interest margin | 1.8708% | 6,160 |
| Noninterest income to average assets | 114.4512% | 10 |
| Noninterest expense to average assets | 50.1191% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 65.0212% | 2 |
| Return on assets (ROA) | 65.0212% | 2 |
| Pretax return on assets | 65.6570% | 4 |
| Return on Equity (ROE) | 75.4833% | 7 |
| Retained earnings to average equity (ytd only) | 37.2132% | 14 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.2897% | 6,055 |
| Assets per employee ($millions) | 2.6373% | 5,879 |
| Cash dividends to net income (ytd only)* | 50.7001% | 1,837 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.5576% | 6,272 |
| Equity capital to assets | 97.0926% | 3 |
| Core capital (leverage) ratio | 98.2064% | 5 |
| Tier 1 risk-based capital ratio | 97.4763% | 44 |
| Total risk-based capital ratio | 97.4763% | 45 |
| Memoranda: | ||
| Average total assets | $84,934,250 | 4,821 |
| Average earning assets | $60,151,000 | 5,245 |
| Average equity | $73,162,250 | 1,047 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7941% | 6,279 |
| Cost of funding earning assets | 0.0034% | 6,322 |
| Net interest margin | 1.7907% | 6,246 |
| Noninterest income to average assets | 114.4743% | 10 |
| Noninterest expense to average assets | 50.6930% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 64.4316% | 2 |
| Return on assets (ROA) | 64.4316% | 2 |
| Pretax return on assets | 65.0602% | 4 |
| Return on Equity (ROE) | 78.3719% | 10 |
| Retained earnings to average equity (ytd only) | 17.0846% | 121 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.7940% | 6,119 |
| Assets per employee ($millions) | 2.4773% | 6,044 |
| Cash dividends to net income (ytd only)* | 78.2006% | 965 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.5936% | 6,349 |
| Equity capital to assets | 80.4718% | 26 |
| Core capital (leverage) ratio | 78.5283% | 27 |
| Tier 1 risk-based capital ratio | 80.7638% | 57 |
| Total risk-based capital ratio | 80.7638% | 57 |
| Memoranda: | ||
| Average total assets | $83,356,670 | 4,914 |
| Average earning assets | $59,528,670 | 5,318 |
| Average equity | $68,529,670 | 1,120 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2491% | 6,381 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 1.2491% | 6,371 |
| Noninterest income to average assets | 112.4533% | 10 |
| Noninterest expense to average assets | 50.2065% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 62.5363% | 2 |
| Return on assets (ROA) | 62.5363% | 2 |
| Pretax return on assets | 63.1441% | 4 |
| Return on Equity (ROE) | 75.2572% | 11 |
| Retained earnings to average equity (ytd only) | 75.2572% | 4 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.2931% | 6,169 |
| Assets per employee ($millions) | 2.4577% | 6,137 |
| 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 | 0.5984% | 6,419 |
| Equity capital to assets | 90.4348% | 11 |
| Core capital (leverage) ratio | 91.0923% | 12 |
| Tier 1 risk-based capital ratio | 90.7446% | 61 |
| Total risk-based capital ratio | 90.7446% | 62 |
| Memoranda: | ||
| Average total assets | $82,921,500 | 4,963 |
| Average earning assets | $59,565,000 | 5,368 |
| Average equity | $68,905,000 | 1,119 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5470% | 6,317 |
| Cost of funding earning assets | 0.0019% | 6,488 |
| Net interest margin | 2.5451% | 6,118 |
| Noninterest income to average assets | 111.7468% | 11 |
| Noninterest expense to average assets | 53.7054% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 59.2759% | 2 |
| Return on assets (ROA) | 59.1616% | 2 |
| Pretax return on assets | 59.7110% | 3 |
| Return on Equity (ROE) | 76.1486% | 9 |
| Retained earnings to average equity (ytd only) | 6.1088% | 1,853 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.3042% | 6,216 |
| Assets per employee ($millions) | 2.4938% | 6,164 |
| Cash dividends to net income (ytd only)* | 91.9777% | 536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.6076% | 6,509 |
| Equity capital to assets | 75.2664% | 31 |
| Core capital (leverage) ratio | 75.2664% | 28 |
| Tier 1 risk-based capital ratio | 75.5289% | 62 |
| Total risk-based capital ratio | 75.5289% | 63 |
| Memoranda: | ||
| Average total assets | $75,346,200 | 5,165 |
| Average earning assets | $52,847,400 | 5,595 |
| Average equity | $58,538,200 | 1,247 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2814% | 6,465 |
| Cost of funding earning assets | 0.0026% | 6,567 |
| Net interest margin | 2.2788% | 6,347 |
| Noninterest income to average assets | 110.5406% | 11 |
| Noninterest expense to average assets | 55.5900% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 55.8819% | 2 |
| Return on assets (ROA) | 55.7259% | 2 |
| Pretax return on assets | 56.3798% | 3 |
| Return on Equity (ROE) | 71.1058% | 7 |
| Retained earnings to average equity (ytd only) | 27.1919% | 32 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5776% | 6,116 |
| Assets per employee ($millions) | 2.4881% | 6,235 |
| Cash dividends to net income (ytd only)* | 61.7585% | 1,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.6483% | 6,589 |
| Equity capital to assets | 85.4531% | 16 |
| Core capital (leverage) ratio | 85.4531% | 15 |
| Tier 1 risk-based capital ratio | 85.8785% | 54 |
| Total risk-based capital ratio | 85.8785% | 54 |
| Memoranda: | ||
| Average total assets | $73,608,500 | 5,253 |
| Average earning assets | $51,253,250 | 5,700 |
| Average equity | $57,687,250 | 1,269 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5162% | 6,474 |
| Cost of funding earning assets | 0.0039% | 6,629 |
| Net interest margin | 2.5123% | 6,259 |
| Noninterest income to average assets | 107.2608% | 12 |
| Noninterest expense to average assets | 56.0174% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 52.4141% | 2 |
| Return on assets (ROA) | 52.4141% | 2 |
| Pretax return on assets | 53.0050% | 4 |
| Return on Equity (ROE) | 69.0965% | 11 |
| Retained earnings to average equity (ytd only) | -0.0619% | 5,694 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3815% | 6,105 |
| Assets per employee ($millions) | 2.2960% | 6,404 |
| Cash dividends to net income (ytd only)* | 100.0896% | 527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.6599% | 6,657 |
| Equity capital to assets | 71.2447% | 33 |
| Core capital (leverage) ratio | 71.2447% | 32 |
| Tier 1 risk-based capital ratio | 71.6096% | 68 |
| Total risk-based capital ratio | 71.6096% | 69 |
| Memoranda: | ||
| Average total assets | $72,434,670 | 5,325 |
| Average earning assets | $50,790,330 | 5,761 |
| Average equity | $54,946,330 | 1,321 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7325% | 6,438 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 2.7325% | 6,057 |
| Noninterest income to average assets | 111.5638% | 11 |
| Noninterest expense to average assets | 59.5745% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 53.6792% | 3 |
| Return on assets (ROA) | 53.6792% | 3 |
| Pretax return on assets | 53.9110% | 5 |
| Return on Equity (ROE) | 68.5339% | 16 |
| Retained earnings to average equity (ytd only) | 68.5339% | 10 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4953% | 6,108 |
| Assets per employee ($millions) | 1.6384% | 6,634 |
| 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 | 0.6782% | 6,725 |
| Equity capital to assets | 85.1078% | 25 |
| Core capital (leverage) ratio | 85.1078% | 20 |
| Tier 1 risk-based capital ratio | 85.5569% | 60 |
| Total risk-based capital ratio | 85.5569% | 60 |
| Memoranda: | ||
| Average total assets | $70,768,500 | 5,415 |
| Average earning assets | $49,771,000 | 5,846 |
| Average equity | $55,429,500 | 1,303 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1940% | 6,134 |
| Cost of funding earning assets | 0.0024% | 6,792 |
| Net interest margin | 3.1916% | 5,028 |
| Noninterest income to average assets | 120.6206% | 11 |
| Noninterest expense to average assets | 66.1490% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 56.0495% | 2 |
| Return on assets (ROA) | 56.1599% | 2 |
| Pretax return on assets | 56.8222% | 4 |
| Return on Equity (ROE) | 69.4116% | 9 |
| Retained earnings to average equity (ytd only) | -11.1713% | 6,554 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8411% | 6,149 |
| Assets per employee ($millions) | 1.5411% | 6,713 |
| Cash dividends to net income (ytd only)* | 116.0943% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.7374% | 6,808 |
| Equity capital to assets | 70.9499% | 33 |
| Core capital (leverage) ratio | 70.9499% | 31 |
| Tier 1 risk-based capital ratio | 71.2452% | 73 |
| Total risk-based capital ratio | 71.2452% | 74 |
| Memoranda: | ||
| Average total assets | $58,283,600 | 5,801 |
| Average earning assets | $40,888,600 | 6,146 |
| Average equity | $47,156,400 | 1,487 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1452% | 6,262 |
| Cost of funding earning assets | 0.0034% | 6,870 |
| Net interest margin | 3.1418% | 5,179 |
| Noninterest income to average assets | 121.2242% | 8 |
| Noninterest expense to average assets | 66.1275% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 56.4323% | 2 |
| Return on assets (ROA) | 56.4323% | 2 |
| Pretax return on assets | 57.2981% | 4 |
| Return on Equity (ROE) | 67.2387% | 8 |
| Retained earnings to average equity (ytd only) | 10.4036% | 713 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5768% | 6,139 |
| Assets per employee ($millions) | 1.5427% | 6,787 |
| Cash dividends to net income (ytd only)* | 84.5273% | 677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.7905% | 6,885 |
| Equity capital to assets | 85.8277% | 17 |
| Core capital (leverage) ratio | 85.8277% | 13 |
| Tier 1 risk-based capital ratio | 86.2120% | 52 |
| Total risk-based capital ratio | 86.2120% | 52 |
| Memoranda: | ||
| Average total assets | $55,902,750 | 5,939 |
| Average earning assets | $39,170,250 | 6,262 |
| Average equity | $46,918,250 | 1,505 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0564% | 6,390 |
| Cost of funding earning assets | 0.0000% | 6,924 |
| Net interest margin | 3.0564% | 5,408 |
| Noninterest income to average assets | 121.7877% | 8 |
| Noninterest expense to average assets | 66.8280% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 56.0934% | 2 |
| Return on assets (ROA) | 56.0934% | 2 |
| Pretax return on assets | 57.0775% | 4 |
| Return on Equity (ROE) | 67.4369% | 8 |
| Retained earnings to average equity (ytd only) | -22.5269% | 6,816 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9347% | 6,150 |
| Assets per employee ($millions) | 1.4191% | 6,851 |
| Cash dividends to net income (ytd only)* | 133.4045% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.9272% | 6,935 |
| Equity capital to assets | 69.6467% | 34 |
| Core capital (leverage) ratio | 69.6467% | 31 |
| Tier 1 risk-based capital ratio | 70.0612% | 71 |
| Total risk-based capital ratio | 70.0612% | 73 |
| Memoranda: | ||
| Average total assets | $53,453,670 | 6,037 |
| Average earning assets | $37,037,000 | 6,369 |
| Average equity | $44,462,330 | 1,595 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9000% | 6,610 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 2.9000% | 5,816 |
| Noninterest income to average assets | 117.3663% | 9 |
| Noninterest expense to average assets | 58.9274% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 59.1680% | 2 |
| Return on assets (ROA) | 59.1680% | 2 |
| Pretax return on assets | 60.4532% | 3 |
| Return on Equity (ROE) | 65.7164% | 13 |
| Retained earnings to average equity (ytd only) | 65.7164% | 9 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3610% | 6,538 |
| Assets per employee ($millions) | 1.4184% | 6,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.9277% | 7,011 |
| Equity capital to assets | 96.0445% | 3 |
| Core capital (leverage) ratio | 95.8311% | 5 |
| Tier 1 risk-based capital ratio | 96.6090% | 49 |
| Total risk-based capital ratio | 96.6090% | 49 |
| Memoranda: | ||
| Average total assets | $53,218,000 | 6,097 |
| Average earning assets | $36,965,500 | 6,433 |
| Average equity | $47,915,000 | 1,505 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2017% | 6,978 |
| Cost of funding earning assets | 0.2103% | 6,804 |
| Net interest margin | 1.9915% | 6,936 |
| Noninterest income to average assets | 57.8997% | 21 |
| Noninterest expense to average assets | 31.2509% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 27.7664% | 7 |
| Return on assets (ROA) | 29.9886% | 7 |
| Pretax return on assets | 30.3326% | 8 |
| Return on Equity (ROE) | 58.9130% | 11 |
| Retained earnings to average equity (ytd only) | 16.2672% | 117 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6651% | 6,406 |
| Assets per employee ($millions) | 1.5011% | 6,986 |
| Cash dividends to net income (ytd only)* | 72.3877% | 1,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.9517% | 7,074 |
| Equity capital to assets | 83.8704% | 21 |
| Core capital (leverage) ratio | 83.3317% | 16 |
| Tier 1 risk-based capital ratio | 84.5435% | 59 |
| Total risk-based capital ratio | 84.5435% | 59 |
| Memoranda: | ||
| Average total assets | $92,131,800 | 5,021 |
| Average earning assets | $66,584,400 | 5,531 |
| Average equity | $46,898,000 | 1,487 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1533% | 7,092 |
| Cost of funding earning assets | 0.2054% | 6,938 |
| Net interest margin | 1.9479% | 7,048 |
| Noninterest income to average assets | 50.7300% | 23 |
| Noninterest expense to average assets | 26.5535% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 25.1788% | 7 |
| Return on assets (ROA) | 25.1788% | 7 |
| Pretax return on assets | 25.5891% | 9 |
| Return on Equity (ROE) | 53.9630% | 10 |
| Retained earnings to average equity (ytd only) | 53.9630% | 3 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9248% | 6,523 |
| Assets per employee ($millions) | 3.3178% | 5,402 |
| 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 | 46.1242% | 7,121 |
| Equity capital to assets | 53.1899% | 37 |
| Core capital (leverage) ratio | 50.6060% | 36 |
| Tier 1 risk-based capital ratio | 52.2038% | 128 |
| Total risk-based capital ratio | 52.2038% | 133 |
| Memoranda: | ||
| Average total assets | $102,030,500 | 4,826 |
| Average earning assets | $73,993,250 | 5,370 |
| Average equity | $47,606,750 | 1,483 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0618% | 7,169 |
| Cost of funding earning assets | 0.2188% | 6,994 |
| Net interest margin | 1.8429% | 7,142 |
| Noninterest income to average assets | 49.3847% | 24 |
| Noninterest expense to average assets | 26.9346% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 23.2940% | 7 |
| Return on assets (ROA) | 23.2940% | 7 |
| Pretax return on assets | 23.7360% | 10 |
| Return on Equity (ROE) | 52.6239% | 16 |
| Retained earnings to average equity (ytd only) | 52.6239% | 8 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1562% | 6,404 |
| Assets per employee ($millions) | 3.2628% | 5,533 |
| 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 | 49.9278% | 7,182 |
| Equity capital to assets | 49.5848% | 36 |
| Core capital (leverage) ratio | 47.1922% | 37 |
| Tier 1 risk-based capital ratio | 48.5768% | 139 |
| Total risk-based capital ratio | 48.5768% | 146 |
| Memoranda: | ||
| Average total assets | $99,545,000 | 4,910 |
| Average earning assets | $69,454,670 | 5,542 |
| Average equity | $44,063,670 | 1,587 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2952% | 7,213 |
| Cost of funding earning assets | 0.2499% | 7,007 |
| Net interest margin | 2.0453% | 7,154 |
| Noninterest income to average assets | 49.3233% | 22 |
| Noninterest expense to average assets | 26.7640% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 23.3775% | 6 |
| Return on assets (ROA) | 23.3775% | 6 |
| Pretax return on assets | 23.8190% | 9 |
| Return on Equity (ROE) | 56.2764% | 20 |
| Retained earnings to average equity (ytd only) | 56.2764% | 15 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9110% | 6,448 |
| Assets per employee ($millions) | 3.5434% | 5,019 |
| 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 | 50.8990% | 7,239 |
| Equity capital to assets | 44.2197% | 35 |
| Core capital (leverage) ratio | 42.2412% | 36 |
| Tier 1 risk-based capital ratio | 43.2968% | 184 |
| Total risk-based capital ratio | 43.2968% | 196 |
| Memoranda: | ||
| Average total assets | $98,744,500 | 4,960 |
| Average earning assets | $60,822,500 | 5,845 |
| Average equity | $41,019,000 | 1,698 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8600% | 6,663 |
| Cost of funding earning assets | 0.2694% | 7,152 |
| Net interest margin | 3.5906% | 4,769 |
| Noninterest income to average assets | 46.1153% | 23 |
| Noninterest expense to average assets | 21.9673% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 26.5271% | 6 |
| Return on assets (ROA) | 26.5271% | 6 |
| Pretax return on assets | 27.0382% | 7 |
| Return on Equity (ROE) | 59.0570% | 7 |
| Retained earnings to average equity (ytd only) | 2.3956% | 4,513 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.8262% | 7,097 |
| Assets per employee ($millions) | 3.9309% | 4,007 |
| Cash dividends to net income (ytd only)* | 95.9435% | 409 |
| 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 | 51.3875% | 7,282 |
| Equity capital to assets | 38.8357% | 42 |
| Core capital (leverage) ratio | 37.5553% | 44 |
| Tier 1 risk-based capital ratio | 37.7160% | 277 |
| Total risk-based capital ratio | 37.7160% | 296 |
| Memoranda: | ||
| Average total assets | $98,227,800 | 4,941 |
| Average earning assets | $79,067,200 | 5,259 |
| Average equity | $44,121,800 | 1,536 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6173% | 7,387 |
| Cost of funding earning assets | 0.2549% | 7,272 |
| Net interest margin | 1.3624% | 7,376 |
| Noninterest income to average assets | 46.3088% | 23 |
| Noninterest expense to average assets | 21.7175% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 25.2334% | 6 |
| Return on assets (ROA) | 25.2334% | 6 |
| Pretax return on assets | 25.7520% | 9 |
| Return on Equity (ROE) | 54.3364% | 12 |
| Retained earnings to average equity (ytd only) | 54.3364% | 7 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.7504% | 7,074 |
| Assets per employee ($millions) | 4.3276% | 3,221 |
| 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 | 46.6776% | 7,365 |
| Equity capital to assets | 52.6042% | 43 |
| Core capital (leverage) ratio | 51.0828% | 42 |
| Tier 1 risk-based capital ratio | 51.2863% | 144 |
| Total risk-based capital ratio | 51.2863% | 150 |
| Memoranda: | ||
| Average total assets | $98,216,500 | 4,975 |
| Average earning assets | $83,676,000 | 5,168 |
| Average equity | $45,611,000 | 1,492 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5645% | 7,464 |
| Cost of funding earning assets | 0.2555% | 7,356 |
| Net interest margin | 1.3090% | 7,459 |
| Noninterest income to average assets | 47.1208% | 25 |
| Noninterest expense to average assets | 22.4022% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 25.5974% | 6 |
| Return on assets (ROA) | 25.5974% | 6 |
| Pretax return on assets | 25.8630% | 9 |
| Return on Equity (ROE) | 58.0489% | 16 |
| Retained earnings to average equity (ytd only) | 58.0489% | 9 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4148% | 7,139 |
| Assets per employee ($millions) | 4.0038% | 3,749 |
| 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 | 50.4521% | 7,426 |
| Equity capital to assets | 48.9645% | 45 |
| Core capital (leverage) ratio | 47.9876% | 47 |
| Tier 1 risk-based capital ratio | 48.1145% | 155 |
| Total risk-based capital ratio | 48.1145% | 162 |
| Memoranda: | ||
| Average total assets | $94,892,330 | 5,114 |
| Average earning assets | $82,964,000 | 5,234 |
| Average equity | $41,844,000 | 1,601 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7290% | 7,521 |
| Cost of funding earning assets | 0.2574% | 7,430 |
| Net interest margin | 1.4716% | 7,506 |
| Noninterest income to average assets | 46.2364% | 24 |
| Noninterest expense to average assets | 22.7584% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 24.2494% | 7 |
| Return on assets (ROA) | 24.2494% | 7 |
| Pretax return on assets | 24.7911% | 10 |
| Return on Equity (ROE) | 58.4937% | 25 |
| Retained earnings to average equity (ytd only) | 58.4937% | 18 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8625% | 7,123 |
| Assets per employee ($millions) | 3.7095% | 4,514 |
| 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 | 54.4545% | 7,470 |
| Equity capital to assets | 44.2785% | 49 |
| Core capital (leverage) ratio | 44.0535% | 47 |
| Tier 1 risk-based capital ratio | 44.1817% | 183 |
| Total risk-based capital ratio | 44.1817% | 196 |
| Memoranda: | ||
| Average total assets | $92,291,000 | 5,227 |
| Average earning assets | $82,361,000 | 5,292 |
| Average equity | $38,260,500 | 1,741 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6867% | 1,619 |
| Cost of funding earning assets | 0.0303% | 7,616 |
| Net interest margin | 5.6564% | 136 |
| Noninterest income to average assets | 71.5885% | 18 |
| Noninterest expense to average assets | 41.4447% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 33.7071% | 5 |
| Return on assets (ROA) | 33.7071% | 5 |
| Pretax return on assets | 34.5712% | 6 |
| Return on Equity (ROE) | 44.1010% | 17 |
| Retained earnings to average equity (ytd only) | 5.2934% | 2,250 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5211% | 6,756 |
| Assets per employee ($millions) | 3.6738% | 4,518 |
| Cash dividends to net income (ytd only)* | 87.9972% | 623 |
| 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 | 54.9845% | 7,543 |
| Equity capital to assets | 38.6068% | 57 |
| Core capital (leverage) ratio | 38.3632% | 58 |
| Tier 1 risk-based capital ratio | 38.4788% | 267 |
| Total risk-based capital ratio | 38.4788% | 284 |
| Memoranda: | ||
| Average total assets | $50,571,000 | 6,510 |
| Average earning assets | $39,583,800 | 6,729 |
| Average equity | $38,652,200 | 1,713 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1306% | 7,683 |
| Cost of funding earning assets | 0.0415% | 7,721 |
| Net interest margin | 2.0891% | 7,553 |
| Noninterest income to average assets | 87.2134% | 15 |
| Noninterest expense to average assets | 51.7815% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 35.4451% | 4 |
| Return on assets (ROA) | 35.4451% | 4 |
| Pretax return on assets | 36.9324% | 6 |
| Return on Equity (ROE) | 36.1657% | 27 |
| Retained earnings to average equity (ytd only) | 36.1657% | 14 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3691% | 6,207 |
| Assets per employee ($millions) | 1.7989% | 7,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 1.0690% | 7,754 |
| Equity capital to assets | 97.6738% | 1 |
| Core capital (leverage) ratio | 97.5953% | 3 |
| Tier 1 risk-based capital ratio | 98.1756% | 58 |
| Total risk-based capital ratio | 98.1756% | 59 |
| Memoranda: | ||
| Average total assets | $40,252,750 | 6,938 |
| Average earning assets | $28,910,500 | 7,215 |
| Average equity | $39,450,750 | 1,687 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1207% | 7,763 |
| Cost of funding earning assets | 0.0431% | 7,790 |
| Net interest margin | 2.0775% | 7,625 |
| Noninterest income to average assets | 88.9714% | 14 |
| Noninterest expense to average assets | 53.8030% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 35.8932% | 4 |
| Return on assets (ROA) | 35.8932% | 4 |
| Pretax return on assets | 36.6862% | 6 |
| Return on Equity (ROE) | 36.5719% | 29 |
| Retained earnings to average equity (ytd only) | 36.5719% | 15 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4579% | 6,151 |
| Assets per employee ($millions) | 1.6998% | 7,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 1.1766% | 7,822 |
| Equity capital to assets | 98.0280% | 2 |
| Core capital (leverage) ratio | 97.9420% | 3 |
| Tier 1 risk-based capital ratio | 98.6006% | 55 |
| Total risk-based capital ratio | 98.6006% | 56 |
| Memoranda: | ||
| Average total assets | $38,079,670 | 7,073 |
| Average earning assets | $27,821,330 | 7,303 |
| Average equity | $37,373,000 | 1,778 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5007% | 7,853 |
| Cost of funding earning assets | 0.0466% | 7,890 |
| Net interest margin | 2.4541% | 7,507 |
| Noninterest income to average assets | 92.7198% | 13 |
| Noninterest expense to average assets | 62.5901% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 31.8916% | 4 |
| Return on assets (ROA) | 31.8916% | 4 |
| Pretax return on assets | 31.8916% | 7 |
| Return on Equity (ROE) | 32.4719% | 69 |
| Retained earnings to average equity (ytd only) | 32.4719% | 51 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2457% | 5,063 |
| Assets per employee ($millions) | 1.4428% | 7,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 1.3329% | 7,923 |
| Equity capital to assets | 98.1952% | 2 |
| Core capital (leverage) ratio | 98.1495% | 3 |
| Tier 1 risk-based capital ratio | 98.8874% | 51 |
| Total risk-based capital ratio | 98.8874% | 51 |
| Memoranda: | ||
| Average total assets | $35,871,500 | 7,240 |
| Average earning assets | $25,753,000 | 7,468 |
| Average equity | $35,230,500 | 1,913 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1796% | 5,745 |
| Cost of funding earning assets | 0.0524% | 7,980 |
| Net interest margin | 5.1272% | 342 |
| Noninterest income to average assets | 97.2124% | 14 |
| Noninterest expense to average assets | 67.7509% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 30.5362% | 5 |
| Return on assets (ROA) | 30.5362% | 5 |
| Pretax return on assets | 33.4293% | 6 |
| Return on Equity (ROE) | 31.2710% | 42 |
| Retained earnings to average equity (ytd only) | 31.2710% | 16 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9606% | 5,195 |
| Assets per employee ($millions) | 1.4883% | 7,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 1.4607% | 7,998 |
| Equity capital to assets | 98.2326% | 2 |
| Core capital (leverage) ratio | 98.1968% | 2 |
| Tier 1 risk-based capital ratio | 99.0024% | 55 |
| Total risk-based capital ratio | 99.0024% | 55 |
| Memoranda: | ||
| Average total assets | $29,587,800 | 7,486 |
| Average earning assets | $22,897,600 | 7,616 |
| Average equity | $28,892,600 | 2,310 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0341% | 7,977 |
| Cost of funding earning assets | 0.0540% | 8,065 |
| Net interest margin | 2.9802% | 6,656 |
| Noninterest income to average assets | 94.8277% | 14 |
| Noninterest expense to average assets | 66.3484% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 30.8103% | 5 |
| Return on assets (ROA) | 30.8103% | 5 |
| Pretax return on assets | 30.8103% | 7 |
| Return on Equity (ROE) | 31.6084% | 48 |
| Retained earnings to average equity (ytd only) | 31.6084% | 20 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2887% | 4,906 |
| Assets per employee ($millions) | 1.4799% | 7,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 1.5357% | 8,086 |
| Equity capital to assets | 97.2019% | 1 |
| Core capital (leverage) ratio | 97.0966% | 3 |
| Tier 1 risk-based capital ratio | 97.9583% | 66 |
| Total risk-based capital ratio | 97.9583% | 66 |
| Memoranda: | ||
| Average total assets | $28,427,000 | 7,593 |
| Average earning assets | $22,235,250 | 7,712 |
| Average equity | $27,709,250 | 2,410 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3223% | 8,050 |
| Cost of funding earning assets | 0.0566% | 8,158 |
| Net interest margin | 3.2656% | 5,685 |
| Noninterest income to average assets | 93.8189% | 14 |
| Noninterest expense to average assets | 68.2514% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 28.1257% | 7 |
| Return on assets (ROA) | 28.1257% | 7 |
| Pretax return on assets | 28.1257% | 7 |
| Return on Equity (ROE) | 28.8218% | 82 |
| Retained earnings to average equity (ytd only) | 28.8218% | 34 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8170% | 4,620 |
| Assets per employee ($millions) | 1.3259% | 8,099 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 1.7141% | 8,183 |
| Equity capital to assets | 97.5420% | 1 |
| Core capital (leverage) ratio | 97.4779% | 3 |
| Tier 1 risk-based capital ratio | 98.4231% | 68 |
| Total risk-based capital ratio | 98.4231% | 68 |
| Memoranda: | ||
| Average total assets | $27,050,000 | 7,720 |
| Average earning assets | $21,190,330 | 7,818 |
| Average equity | $26,396,670 | 2,526 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9070% | 8,017 |
| Cost of funding earning assets | 0.0620% | 8,211 |
| Net interest margin | 3.8450% | 3,273 |
| Noninterest income to average assets | 96.0062% | 13 |
| Noninterest expense to average assets | 67.7645% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 31.1043% | 5 |
| Return on assets (ROA) | 31.1043% | 5 |
| Pretax return on assets | 31.1043% | 7 |
| Return on Equity (ROE) | 31.8663% | 83 |
| Retained earnings to average equity (ytd only) | 31.8663% | 45 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5399% | 4,862 |
| Assets per employee ($millions) | 1.2343% | 8,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 1.8413% | 8,234 |
| Equity capital to assets | 97.7131% | 1 |
| Core capital (leverage) ratio | 97.6615% | 4 |
| Tier 1 risk-based capital ratio | 98.6759% | 69 |
| Total risk-based capital ratio | 98.6759% | 70 |
| Memoranda: | ||
| Average total assets | $25,990,000 | 7,801 |
| Average earning assets | $19,350,000 | 7,926 |
| Average equity | $25,368,500 | 2,617 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9502% | 5,809 |
| Cost of funding earning assets | 0.1662% | 8,250 |
| Net interest margin | 5.7840% | 135 |
| Noninterest income to average assets | 113.9060% | 13 |
| Noninterest expense to average assets | 89.3014% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 28.4592% | 8 |
| Return on assets (ROA) | 28.4592% | 9 |
| Pretax return on assets | 28.4592% | 12 |
| Return on Equity (ROE) | 29.5208% | 65 |
| Retained earnings to average equity (ytd only) | 29.5208% | 10 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8330% | 3,259 |
| Assets per employee ($millions) | 1.0344% | 8,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 2.0141% | 8,288 |
| Equity capital to assets | 97.4945% | 2 |
| Core capital (leverage) ratio | 97.4659% | 5 |
| Tier 1 risk-based capital ratio | 98.5094% | 81 |
| Total risk-based capital ratio | 98.5094% | 82 |
| Memoranda: | ||
| Average total assets | $21,662,600 | 7,967 |
| Average earning assets | $14,436,400 | 8,120 |
| Average equity | $20,883,600 | 3,109 |
| Average total loans | NA | NA |