Home > First Electronic Bank > Performance and Condition Ratios
First Electronic Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.7083% | 52 |
| Cost of funding earning assets | 0.7910% | 3,759 |
| Net interest margin | 21.9172% | 12 |
| Noninterest income to average assets | 10.4300% | 91 |
| Noninterest expense to average assets | 12.1913% | 98 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 14.4953% | 35 |
| Return on assets (ROA) | 14.4953% | 36 |
| Pretax return on assets | 19.3140% | 35 |
| Return on Equity (ROE) | 45.9500% | 61 |
| Retained earnings to average equity (ytd only) | 41.5058% | 26 |
| 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 | 38.6961% | 4,387 |
| Assets per employee ($millions) | 3.4121% | 4,309 |
| Cash dividends to net income (ytd only)* | 9.6702% | 3,230 |
| 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 | 37.4100% | 4,110 |
| Net loans and leases to deposits | 56.6996% | 3,678 |
| Net loans and leases to core deposits | 56.7797% | 3,885 |
| Total domestic deposits to total assets | 65.9700% | 4,380 |
| Equity capital to assets | 30.4075% | 156 |
| Core capital (leverage) ratio | 35.3803% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 74.1908% | 74 |
| Memoranda: | ||
| Average total assets | $214,021,000 | 2,883 |
| Average earning assets | $205,806,000 | 2,821 |
| Average equity | $67,515,800 | 1,282 |
| Average total loans | $77,180,200 | 3,453 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.5145% | 48 |
| Cost of funding earning assets | 0.8334% | 3,447 |
| Net interest margin | 21.6811% | 8 |
| Noninterest income to average assets | 11.4900% | 87 |
| Noninterest expense to average assets | 12.5724% | 96 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 14.7941% | 32 |
| Return on assets (ROA) | 14.7941% | 32 |
| Pretax return on assets | 19.7126% | 32 |
| Return on Equity (ROE) | 46.3300% | 83 |
| Retained earnings to average equity (ytd only) | 40.0740% | 48 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 38.9419% | 4,384 |
| Assets per employee ($millions) | 2.8377% | 4,423 |
| Cash dividends to net income (ytd only)* | 13.5093% | 2,692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 37.3300% | 4,141 |
| Net loans and leases to deposits | 58.1062% | 3,601 |
| Net loans and leases to core deposits | 58.2076% | 3,777 |
| Total domestic deposits to total assets | 64.2400% | 4,427 |
| Equity capital to assets | 32.6119% | 156 |
| Core capital (leverage) ratio | 37.4954% | 100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.7585% | 74 |
| Memoranda: | ||
| Average total assets | $200,137,500 | 2,997 |
| Average earning assets | $191,978,500 | 2,941 |
| Average equity | $63,903,500 | 1,323 |
| Average total loans | $71,267,750 | 3,535 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 22.2136% | 45 |
| Cost of funding earning assets | 0.8409% | 3,096 |
| Net interest margin | 21.3727% | 10 |
| Noninterest income to average assets | 11.9700% | 85 |
| Noninterest expense to average assets | 12.9864% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 14.6093% | 34 |
| Return on assets (ROA) | 14.6093% | 34 |
| Pretax return on assets | 19.4656% | 34 |
| Return on Equity (ROE) | 46.1400% | 78 |
| Retained earnings to average equity (ytd only) | 46.1379% | 42 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.0173% | 4,393 |
| Assets per employee ($millions) | 2.4893% | 4,482 |
| 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 | 35.1700% | 4,204 |
| Net loans and leases to deposits | 56.7220% | 3,602 |
| Net loans and leases to core deposits | 56.8390% | 3,779 |
| Total domestic deposits to total assets | 62.0000% | 4,470 |
| Equity capital to assets | 34.5573% | 146 |
| Core capital (leverage) ratio | 37.4310% | 97 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 87.8809% | 66 |
| Memoranda: | ||
| Average total assets | $192,123,667 | 3,050 |
| Average earning assets | $184,094,333 | 3,000 |
| Average equity | $60,835,000 | 1,373 |
| Average total loans | $67,130,000 | 3,609 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 21.1859% | 6 |
| Cost of funding earning assets | 0.8024% | 2,726 |
| Net interest margin | 20.3835% | 5 |
| Noninterest income to average assets | 11.7200% | 89 |
| Noninterest expense to average assets | 12.4513% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 14.0736% | 35 |
| Return on assets (ROA) | 14.0736% | 35 |
| Pretax return on assets | 18.7508% | 35 |
| Return on Equity (ROE) | 46.6500% | 92 |
| Retained earnings to average equity (ytd only) | 46.6533% | 47 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 39.9055% | 4,452 |
| Assets per employee ($millions) | 2.6987% | 4,534 |
| 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 | 33.6500% | 4,274 |
| Net loans and leases to deposits | 54.8454% | 3,636 |
| Net loans and leases to core deposits | 55.4366% | 3,773 |
| Total domestic deposits to total assets | 61.3600% | 4,533 |
| Equity capital to assets | 32.0863% | 113 |
| Core capital (leverage) ratio | 34.2847% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 83.5552% | 67 |
| Memoranda: | ||
| Average total assets | $189,859,000 | 3,105 |
| Average earning assets | $181,460,500 | 3,056 |
| Average equity | $57,273,500 | 1,448 |
| Average total loans | $66,117,000 | 3,664 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.6435% | 2 |
| Cost of funding earning assets | 0.7267% | 517 |
| Net interest margin | 25.9167% | 2 |
| Noninterest income to average assets | 17.0900% | 78 |
| Noninterest expense to average assets | 16.0063% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 19.2668% | 28 |
| Return on assets (ROA) | 19.2668% | 29 |
| Pretax return on assets | 25.6719% | 26 |
| Return on Equity (ROE) | 63.8700% | 19 |
| Retained earnings to average equity (ytd only) | 63.8691% | 5 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 38.4045% | 4,574 |
| Assets per employee ($millions) | 2.9418% | 4,537 |
| 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 | 35.9100% | 4,220 |
| Net loans and leases to deposits | 54.0434% | 3,676 |
| Net loans and leases to core deposits | 54.5739% | 3,786 |
| Total domestic deposits to total assets | 66.4400% | 4,528 |
| Equity capital to assets | 28.1767% | 125 |
| Core capital (leverage) ratio | 31.5948% | 119 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.3021% | 75 |
| Memoranda: | ||
| Average total assets | $133,597,400 | 3,599 |
| Average earning assets | $126,729,000 | 3,560 |
| Average equity | $40,301,200 | 1,909 |
| Average total loans | $55,977,600 | 3,809 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 27.9617% | 2 |
| Cost of funding earning assets | 0.5867% | 463 |
| Net interest margin | 27.3749% | 2 |
| Noninterest income to average assets | 19.2000% | 75 |
| Noninterest expense to average assets | 17.3250% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 20.8307% | 23 |
| Return on assets (ROA) | 20.8307% | 24 |
| Pretax return on assets | 27.7560% | 23 |
| Return on Equity (ROE) | 67.2700% | 13 |
| Retained earnings to average equity (ytd only) | 67.2737% | 4 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 38.4308% | 4,608 |
| Assets per employee ($millions) | 2.4965% | 4,616 |
| 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 | 40.2100% | 4,063 |
| Net loans and leases to deposits | 61.8775% | 3,030 |
| Net loans and leases to core deposits | 62.5994% | 3,208 |
| Total domestic deposits to total assets | 64.9900% | 4,590 |
| Equity capital to assets | 28.3788% | 118 |
| Core capital (leverage) ratio | 30.4430% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 62.2842% | 85 |
| Memoranda: | ||
| Average total assets | $119,193,000 | 3,763 |
| Average earning assets | $112,708,500 | 3,721 |
| Average equity | $36,907,000 | 2,071 |
| Average total loans | $52,806,750 | 3,871 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 29.0754% | 1 |
| Cost of funding earning assets | 0.2328% | 2,469 |
| Net interest margin | 28.8426% | 1 |
| Noninterest income to average assets | 21.1153% | 35 |
| Noninterest expense to average assets | 18.3615% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 22.4499% | 12 |
| Return on assets (ROA) | 22.4499% | 12 |
| Pretax return on assets | 29.9134% | 12 |
| Return on Equity (ROE) | 69.4412% | 8 |
| Retained earnings to average equity (ytd only) | 69.4412% | 1 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.0353% | 4,653 |
| Assets per employee ($millions) | 2.1862% | 4,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,721 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 48.5111% | 3,509 |
| Net loans and leases to deposits | 78.4612% | 1,506 |
| Net loans and leases to core deposits | 79.6745% | 1,739 |
| Total domestic deposits to total assets | 61.8282% | 4,681 |
| Equity capital to assets | 30.3515% | 64 |
| Core capital (leverage) ratio | 33.1277% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 55.4045% | 58 |
| Memoranda: | ||
| Average total assets | $104,000,333 | 3,957 |
| Average earning assets | $97,931,667 | 3,932 |
| Average equity | $33,622,667 | 2,251 |
| Average total loans | $48,322,667 | 3,988 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 26.7893% | 1 |
| Cost of funding earning assets | 0.1319% | 3,744 |
| Net interest margin | 26.6574% | 1 |
| Noninterest income to average assets | 23.9959% | 33 |
| Noninterest expense to average assets | 20.1160% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 21.1424% | 14 |
| Return on assets (ROA) | 21.1424% | 14 |
| Pretax return on assets | 28.9065% | 13 |
| Return on Equity (ROE) | 62.6179% | 11 |
| Retained earnings to average equity (ytd only) | 62.6179% | 8 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0342% | 4,624 |
| Assets per employee ($millions) | 1.7305% | 4,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 47.0601% | 3,481 |
| Net loans and leases to deposits | 82.3244% | 989 |
| Net loans and leases to core deposits | 84.8467% | 1,197 |
| Total domestic deposits to total assets | 57.1643% | 4,738 |
| Equity capital to assets | 32.2409% | 56 |
| Core capital (leverage) ratio | 36.0152% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 59.0430% | 56 |
| Memoranda: | ||
| Average total assets | $90,415,500 | 4,096 |
| Average earning assets | $84,884,500 | 4,079 |
| Average equity | $30,528,000 | 2,454 |
| Average total loans | $40,668,000 | 4,149 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 23.1274% | 3 |
| Cost of funding earning assets | 0.2217% | 3,234 |
| Net interest margin | 22.9057% | 2 |
| Noninterest income to average assets | 24.7156% | 33 |
| Noninterest expense to average assets | 23.1702% | 35 |
| Loan and lease loss provision to assets | 0.0065% | 2,944 |
| Net operating income to assets | 17.6125% | 14 |
| Return on assets (ROA) | 17.6125% | 14 |
| Pretax return on assets | 23.1978% | 14 |
| Return on Equity (ROE) | 49.2654% | 18 |
| Retained earnings to average equity (ytd only) | 49.2654% | 5 |
| Net charge-offs to loans | 0.0150% | 2,014 |
| Credit loss provision to net charge-offs | 100.0000% | 1,789 |
| Earnings coverage of net charge-offs (x) | 3,569.7500% | 32 |
| Efficiency ratio | 49.9632% | 4,284 |
| Assets per employee ($millions) | 1.5107% | 4,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 42.3756% | 3,958 |
| Net loans and leases to deposits | 74.9179% | 1,650 |
| Net loans and leases to core deposits | 77.9620% | 1,764 |
| Total domestic deposits to total assets | 56.5628% | 4,780 |
| Equity capital to assets | 36.0694% | 47 |
| Core capital (leverage) ratio | 40.2945% | 44 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 72.5963% | 43 |
| Memoranda: | ||
| Average total assets | $61,536,000 | 4,438 |
| Average earning assets | $58,186,400 | 4,409 |
| Average equity | $21,999,200 | 3,061 |
| Average total loans | $26,735,800 | 4,438 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 20.8565% | 3 |
| Cost of funding earning assets | 0.2507% | 3,120 |
| Net interest margin | 20.6058% | 3 |
| Noninterest income to average assets | 24.2309% | 34 |
| Noninterest expense to average assets | 22.6225% | 35 |
| Loan and lease loss provision to assets | 0.0140% | 2,716 |
| Net operating income to assets | 16.1330% | 15 |
| Return on assets (ROA) | 16.1330% | 15 |
| Pretax return on assets | 21.1072% | 15 |
| Return on Equity (ROE) | 45.2657% | 23 |
| Retained earnings to average equity (ytd only) | 45.2657% | 5 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7161% | 4,049 |
| Assets per employee ($millions) | 1.1618% | 4,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0201% | 4,863 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 46.7433% | 3,736 |
| Net loans and leases to deposits | 88.0390% | 711 |
| Net loans and leases to core deposits | 92.7839% | 880 |
| Total domestic deposits to total assets | 53.0939% | 4,858 |
| Equity capital to assets | 38.2285% | 47 |
| Core capital (leverage) ratio | 37.0868% | 50 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.0949% | 44 |
| Memoranda: | ||
| Average total assets | $57,280,750 | 4,543 |
| Average earning assets | $54,242,250 | 4,513 |
| Average equity | $20,415,250 | 3,212 |
| Average total loans | $25,097,500 | 4,532 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 17.7071% | 6 |
| Cost of funding earning assets | 0.2610% | 3,177 |
| Net interest margin | 17.4461% | 6 |
| Noninterest income to average assets | 23.1796% | 37 |
| Noninterest expense to average assets | 22.5985% | 34 |
| Loan and lease loss provision to assets | 0.0944% | 1,331 |
| Net operating income to assets | 13.0333% | 16 |
| Return on assets (ROA) | 13.0333% | 16 |
| Pretax return on assets | 16.9952% | 16 |
| Return on Equity (ROE) | 37.6251% | 55 |
| Retained earnings to average equity (ytd only) | 37.6251% | 16 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9403% | 3,415 |
| Assets per employee ($millions) | 1.4006% | 4,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0833% | 4,893 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 42.0190% | 4,177 |
| Net loans and leases to deposits | 61.9528% | 3,208 |
| Net loans and leases to core deposits | 64.1639% | 3,273 |
| Total domestic deposits to total assets | 67.8243% | 4,795 |
| Equity capital to assets | 28.4052% | 69 |
| Core capital (leverage) ratio | 33.9606% | 52 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 58.8381% | 62 |
| Memoranda: | ||
| Average total assets | $55,074,333 | 4,595 |
| Average earning assets | $52,114,667 | 4,571 |
| Average equity | $19,077,667 | 3,332 |
| Average total loans | $23,505,000 | 4,600 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 18.0310% | 7 |
| Cost of funding earning assets | 0.3369% | 2,650 |
| Net interest margin | 17.6942% | 6 |
| Noninterest income to average assets | 25.1720% | 34 |
| Noninterest expense to average assets | 28.2493% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 10.1462% | 21 |
| Return on assets (ROA) | 10.1462% | 21 |
| Pretax return on assets | 13.5487% | 20 |
| Return on Equity (ROE) | 25.5402% | 240 |
| Retained earnings to average equity (ytd only) | 25.5402% | 129 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5852% | 1,999 |
| Assets per employee ($millions) | 0.8759% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 48.3107% | 3,781 |
| Net loans and leases to deposits | 91.6750% | 612 |
| Net loans and leases to core deposits | 98.5339% | 781 |
| Total domestic deposits to total assets | 52.6978% | 4,919 |
| Equity capital to assets | 39.4308% | 44 |
| Core capital (leverage) ratio | 39.4030% | 44 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 69.8118% | 44 |
| Memoranda: | ||
| Average total assets | $45,495,000 | 4,720 |
| Average earning assets | $42,748,500 | 4,693 |
| Average equity | $18,073,500 | 3,415 |
| Average total loans | $19,648,500 | 4,703 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.5840% | 12 |
| Cost of funding earning assets | 0.6380% | 2,070 |
| Net interest margin | 11.9459% | 9 |
| Noninterest income to average assets | 23.3308% | 39 |
| Noninterest expense to average assets | 29.6744% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 3.2041% | 80 |
| Return on assets (ROA) | 3.2041% | 83 |
| Pretax return on assets | 4.4987% | 64 |
| Return on Equity (ROE) | 8.2897% | 2,696 |
| Retained earnings to average equity (ytd only) | 8.2897% | 974 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8357% | 496 |
| Assets per employee ($millions) | 0.7265% | 4,975 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 37.7329% | 4,534 |
| Net loans and leases to deposits | 75.9747% | 2,284 |
| Net loans and leases to core deposits | 82.5943% | 2,150 |
| Total domestic deposits to total assets | 49.6650% | 4,947 |
| Equity capital to assets | 39.3250% | 46 |
| Core capital (leverage) ratio | 41.9215% | 40 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 85.6246% | 36 |
| Memoranda: | ||
| Average total assets | $41,790,200 | 4,748 |
| Average earning assets | $37,929,200 | 4,740 |
| Average equity | $16,152,600 | 3,535 |
| Average total loans | $12,704,800 | 4,846 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.1299% | 16 |
| Cost of funding earning assets | 0.7384% | 1,811 |
| Net interest margin | 9.3915% | 15 |
| Noninterest income to average assets | 23.6274% | 39 |
| Noninterest expense to average assets | 29.5391% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6739% | 614 |
| Return on assets (ROA) | 1.6739% | 681 |
| Pretax return on assets | 2.5382% | 194 |
| Return on Equity (ROE) | 4.3506% | 4,082 |
| Retained earnings to average equity (ytd only) | 4.3506% | 2,874 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0873% | 313 |
| Assets per employee ($millions) | 0.6251% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 32.3637% | 4,781 |
| Net loans and leases to deposits | 72.3016% | 3,105 |
| Net loans and leases to core deposits | 83.4055% | 2,535 |
| Total domestic deposits to total assets | 44.7620% | 4,986 |
| Equity capital to assets | 43.5169% | 36 |
| Core capital (leverage) ratio | 40.3816% | 39 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 100.4559% | 33 |
| Memoranda: | ||
| Average total assets | $41,340,750 | 4,775 |
| Average earning assets | $37,196,000 | 4,775 |
| Average equity | $15,905,500 | 3,561 |
| Average total loans | $11,769,250 | 4,894 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2807% | 22 |
| Cost of funding earning assets | 0.8474% | 1,614 |
| Net interest margin | 8.4333% | 20 |
| Noninterest income to average assets | 21.7601% | 40 |
| Noninterest expense to average assets | 28.7522% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.2581% | 4,496 |
| Return on assets (ROA) | 0.2581% | 4,538 |
| Pretax return on assets | 0.7133% | 3,840 |
| Return on Equity (ROE) | 0.6977% | 4,723 |
| Retained earnings to average equity (ytd only) | 0.6977% | 4,161 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5792% | 213 |
| Assets per employee ($millions) | 0.5347% | 5,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 26.2855% | 4,906 |
| Net loans and leases to deposits | 58.6447% | 4,184 |
| Net loans and leases to core deposits | 70.6536% | 3,658 |
| Total domestic deposits to total assets | 44.8216% | 5,016 |
| Equity capital to assets | 44.2633% | 36 |
| Core capital (leverage) ratio | 39.8551% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 121.9611% | 29 |
| Memoranda: | ||
| Average total assets | $42,619,333 | 4,781 |
| Average earning assets | $38,941,000 | 4,774 |
| Average equity | $15,767,000 | 3,575 |
| Average total loans | $11,646,333 | 4,926 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.4845% | 14 |
| Cost of funding earning assets | 1.1527% | 898 |
| Net interest margin | 11.3318% | 15 |
| Noninterest income to average assets | 18.3233% | 38 |
| Noninterest expense to average assets | 26.7895% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9822% | 2,238 |
| Return on assets (ROA) | 0.9822% | 2,340 |
| Pretax return on assets | 2.1296% | 354 |
| Return on Equity (ROE) | 2.8749% | 4,249 |
| Retained earnings to average equity (ytd only) | 2.8749% | 3,133 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6360% | 407 |
| Assets per employee ($millions) | 0.6255% | 5,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,068 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 18.1359% | 5,019 |
| Net loans and leases to deposits | 36.1051% | 4,908 |
| Net loans and leases to core deposits | 41.8786% | 4,846 |
| Total domestic deposits to total assets | 50.2309% | 5,069 |
| Equity capital to assets | 40.3827% | 48 |
| Core capital (leverage) ratio | 31.1384% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 172.2851% | 22 |
| Memoranda: | ||
| Average total assets | $46,018,000 | 4,767 |
| Average earning assets | $43,029,500 | 4,757 |
| Average equity | $15,722,500 | 3,586 |
| Average total loans | $12,761,500 | 4,947 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 15.7046% | 7 |
| Cost of funding earning assets | 1.3244% | 718 |
| Net interest margin | 14.3802% | 9 |
| Noninterest income to average assets | 19.5269% | 37 |
| Noninterest expense to average assets | 24.7786% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 6.3304% | 27 |
| Return on assets (ROA) | 6.3424% | 30 |
| Pretax return on assets | 8.3761% | 29 |
| Return on Equity (ROE) | 20.7723% | 173 |
| Retained earnings to average equity (ytd only) | 20.7723% | 28 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7705% | 1,516 |
| Assets per employee ($millions) | 0.8223% | 5,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 34.9168% | 4,876 |
| Net loans and leases to deposits | 62.0895% | 4,189 |
| Net loans and leases to core deposits | 75.4135% | 3,617 |
| Total domestic deposits to total assets | 56.2362% | 5,105 |
| Equity capital to assets | 29.5109% | 76 |
| Core capital (leverage) ratio | 25.3500% | 119 |
| Tier 1 risk-based capital ratio | 74.0438% | 61 |
| Total risk-based capital ratio | 74.0438% | 63 |
| Memoranda: | ||
| Average total assets | $46,023,600 | 4,815 |
| Average earning assets | $43,566,800 | 4,794 |
| Average equity | $14,052,400 | 3,744 |
| Average total loans | $15,780,600 | 4,950 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.7091% | 13 |
| Cost of funding earning assets | 1.2985% | 791 |
| Net interest margin | 12.4106% | 12 |
| Noninterest income to average assets | 20.3364% | 34 |
| Noninterest expense to average assets | 24.6693% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 5.5092% | 33 |
| Return on assets (ROA) | 5.5258% | 34 |
| Pretax return on assets | 7.3768% | 32 |
| Return on Equity (ROE) | 17.9199% | 400 |
| Retained earnings to average equity (ytd only) | 17.9199% | 68 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0313% | 1,214 |
| Assets per employee ($millions) | 0.8730% | 5,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,205 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 28.2968% | 5,082 |
| Net loans and leases to deposits | 44.7761% | 4,894 |
| Net loans and leases to core deposits | 52.5598% | 4,785 |
| Total domestic deposits to total assets | 63.1962% | 5,139 |
| Equity capital to assets | 26.1866% | 113 |
| Core capital (leverage) ratio | 28.6310% | 76 |
| Tier 1 risk-based capital ratio | 80.4242% | 56 |
| Total risk-based capital ratio | 80.4242% | 56 |
| Memoranda: | ||
| Average total assets | $44,372,500 | 4,909 |
| Average earning assets | $41,791,250 | 4,889 |
| Average equity | $13,682,750 | 3,833 |
| Average total loans | $15,131,750 | 5,039 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.5357% | 12 |
| Cost of funding earning assets | 1.2909% | 761 |
| Net interest margin | 12.2448% | 12 |
| Noninterest income to average assets | 22.0872% | 33 |
| Noninterest expense to average assets | 26.0981% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 5.5798% | 29 |
| Return on assets (ROA) | 5.5798% | 31 |
| Pretax return on assets | 7.4545% | 32 |
| Return on Equity (ROE) | 16.9227% | 479 |
| Retained earnings to average equity (ytd only) | 16.9227% | 107 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7827% | 1,181 |
| Assets per employee ($millions) | 0.7542% | 5,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,251 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 27.6528% | 5,130 |
| Net loans and leases to deposits | 46.8251% | 4,876 |
| Net loans and leases to core deposits | 58.2155% | 4,633 |
| Total domestic deposits to total assets | 59.0556% | 5,218 |
| Equity capital to assets | 30.7708% | 64 |
| Core capital (leverage) ratio | 35.5045% | 56 |
| Tier 1 risk-based capital ratio | 92.7415% | 46 |
| Total risk-based capital ratio | 92.7415% | 47 |
| Memoranda: | ||
| Average total assets | $40,539,330 | 4,997 |
| Average earning assets | $37,959,000 | 4,980 |
| Average equity | $13,366,670 | 3,876 |
| Average total loans | $14,905,670 | 5,089 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9597% | 11 |
| Cost of funding earning assets | 1.3446% | 565 |
| Net interest margin | 11.6152% | 12 |
| Noninterest income to average assets | 23.9380% | 36 |
| Noninterest expense to average assets | 26.0856% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 6.3695% | 31 |
| Return on assets (ROA) | 6.3695% | 34 |
| Pretax return on assets | 8.6219% | 32 |
| Return on Equity (ROE) | 18.5826% | 353 |
| Retained earnings to average equity (ytd only) | 18.5826% | 128 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1585% | 1,597 |
| Assets per employee ($millions) | 0.6857% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 42.8966% | 4,792 |
| Net loans and leases to deposits | 85.5281% | 2,186 |
| Net loans and leases to core deposits | 126.5832% | 366 |
| Total domestic deposits to total assets | 50.1550% | 5,312 |
| Equity capital to assets | 34.8855% | 57 |
| Core capital (leverage) ratio | 33.4257% | 60 |
| Tier 1 risk-based capital ratio | 63.6632% | 78 |
| Total risk-based capital ratio | 63.6632% | 82 |
| Memoranda: | ||
| Average total assets | $38,182,000 | 5,086 |
| Average earning assets | $35,402,000 | 5,072 |
| Average equity | $13,087,500 | 3,932 |
| Average total loans | $16,101,500 | 5,125 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.8423% | 11 |
| Cost of funding earning assets | 0.9149% | 1,040 |
| Net interest margin | 11.9273% | 11 |
| Noninterest income to average assets | 33.4638% | 29 |
| Noninterest expense to average assets | 35.2334% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 5.6730% | 31 |
| Return on assets (ROA) | 5.6730% | 31 |
| Pretax return on assets | 8.8295% | 27 |
| Return on Equity (ROE) | 13.0017% | 1,351 |
| Retained earnings to average equity (ytd only) | 13.0017% | 233 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9616% | 968 |
| Assets per employee ($millions) | 0.7031% | 5,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,359 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 41.4360% | 4,896 |
| Net loans and leases to deposits | 80.1590% | 2,937 |
| Net loans and leases to core deposits | 115.4219% | 710 |
| Total domestic deposits to total assets | 51.6923% | 5,355 |
| Equity capital to assets | 33.6608% | 60 |
| Core capital (leverage) ratio | 36.8053% | 55 |
| Tier 1 risk-based capital ratio | 64.5486% | 79 |
| Total risk-based capital ratio | 64.5486% | 82 |
| Memoranda: | ||
| Average total assets | $27,181,600 | 5,279 |
| Average earning assets | $24,154,600 | 5,271 |
| Average equity | $11,860,000 | 4,044 |
| Average total loans | $11,158,200 | 5,264 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.1425% | 12 |
| Cost of funding earning assets | 0.7683% | 1,489 |
| Net interest margin | 11.3742% | 13 |
| Noninterest income to average assets | 36.6307% | 25 |
| Noninterest expense to average assets | 38.6182% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 4.5087% | 43 |
| Return on assets (ROA) | 4.5087% | 43 |
| Pretax return on assets | 7.9284% | 28 |
| Return on Equity (ROE) | 9.4924% | 2,852 |
| Retained earnings to average equity (ytd only) | 9.4924% | 1,047 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9668% | 705 |
| Assets per employee ($millions) | 0.4829% | 5,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,431 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 48.3970% | 4,697 |
| Net loans and leases to deposits | 119.6781% | 103 |
| Net loans and leases to core deposits | 175.9140% | 58 |
| Total domestic deposits to total assets | 40.4393% | 5,438 |
| Equity capital to assets | 44.5956% | 39 |
| Core capital (leverage) ratio | 44.8961% | 41 |
| Tier 1 risk-based capital ratio | 69.9215% | 60 |
| Total risk-based capital ratio | 69.9215% | 61 |
| Memoranda: | ||
| Average total assets | $24,485,250 | 5,372 |
| Average earning assets | $21,346,000 | 5,371 |
| Average equity | $11,630,000 | 4,107 |
| Average total loans | $10,014,750 | 5,353 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.5388% | 15 |
| Cost of funding earning assets | 0.6678% | 1,825 |
| Net interest margin | 10.8711% | 14 |
| Noninterest income to average assets | 38.3537% | 26 |
| Noninterest expense to average assets | 40.7487% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 2.9874% | 83 |
| Return on assets (ROA) | 2.9874% | 83 |
| Pretax return on assets | 6.9734% | 33 |
| Return on Equity (ROE) | 6.1463% | 4,178 |
| Retained earnings to average equity (ytd only) | 6.1463% | 2,480 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.3875% | 605 |
| Assets per employee ($millions) | 0.4575% | 5,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 43.5916% | 4,925 |
| Net loans and leases to deposits | 107.7067% | 362 |
| Net loans and leases to core deposits | 145.0553% | 155 |
| Total domestic deposits to total assets | 40.4725% | 5,503 |
| Equity capital to assets | 48.7074% | 39 |
| Core capital (leverage) ratio | 47.6528% | 40 |
| Tier 1 risk-based capital ratio | 81.4700% | 56 |
| Total risk-based capital ratio | 81.4700% | 56 |
| Memoranda: | ||
| Average total assets | $23,632,670 | 5,445 |
| Average earning assets | $20,366,000 | 5,444 |
| Average equity | $11,486,670 | 4,159 |
| Average total loans | $8,990,330 | 5,431 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.8460% | 19 |
| Cost of funding earning assets | 0.5803% | 2,168 |
| Net interest margin | 10.2656% | 16 |
| Noninterest income to average assets | 40.2301% | 24 |
| Noninterest expense to average assets | 40.0942% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 6.6399% | 30 |
| Return on assets (ROA) | 6.6399% | 30 |
| Pretax return on assets | 8.8476% | 25 |
| Return on Equity (ROE) | 13.6755% | 1,092 |
| Retained earnings to average equity (ytd only) | 13.6755% | 438 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9223% | 951 |
| Assets per employee ($millions) | 0.4327% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 36.1539% | 5,203 |
| Net loans and leases to deposits | 92.1701% | 1,434 |
| Net loans and leases to core deposits | 117.2024% | 685 |
| Total domestic deposits to total assets | 39.2252% | 5,565 |
| Equity capital to assets | 48.8635% | 39 |
| Core capital (leverage) ratio | 46.3631% | 38 |
| Tier 1 risk-based capital ratio | 87.2511% | 48 |
| Total risk-based capital ratio | 87.2511% | 50 |
| Memoranda: | ||
| Average total assets | $23,554,500 | 5,502 |
| Average earning assets | $19,989,000 | 5,508 |
| Average equity | $11,436,500 | 4,201 |
| Average total loans | $8,300,500 | 5,507 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.4143% | 18 |
| Cost of funding earning assets | 0.5077% | 2,262 |
| Net interest margin | 9.9065% | 15 |
| Noninterest income to average assets | 39.4567% | 26 |
| Noninterest expense to average assets | 42.8745% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 7.0320% | 22 |
| Return on assets (ROA) | 7.0320% | 22 |
| Pretax return on assets | 4.9748% | 47 |
| Return on Equity (ROE) | 14.6643% | 666 |
| Retained earnings to average equity (ytd only) | 14.6643% | 89 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6033% | 451 |
| Assets per employee ($millions) | 0.4089% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,620 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 34.3058% | 5,336 |
| Net loans and leases to deposits | 83.1963% | 2,580 |
| Net loans and leases to core deposits | 104.9757% | 1,343 |
| Total domestic deposits to total assets | 41.2348% | 5,629 |
| Equity capital to assets | 48.2367% | 37 |
| Core capital (leverage) ratio | 48.8872% | 35 |
| Tier 1 risk-based capital ratio | 83.1316% | 50 |
| Total risk-based capital ratio | 83.1316% | 50 |
| Memoranda: | ||
| Average total assets | $21,388,000 | 5,584 |
| Average earning assets | $18,119,400 | 5,595 |
| Average equity | $10,256,200 | 4,413 |
| Average total loans | $5,837,800 | 5,610 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.3038% | 20 |
| Cost of funding earning assets | 0.5017% | 2,246 |
| Net interest margin | 9.8021% | 16 |
| Noninterest income to average assets | 39.3141% | 28 |
| Noninterest expense to average assets | 43.3890% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 4.2789% | 48 |
| Return on assets (ROA) | 4.2789% | 48 |
| Pretax return on assets | 4.2726% | 66 |
| Return on Equity (ROE) | 8.9379% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.9379% | 865 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0356% | 374 |
| Assets per employee ($millions) | 0.3903% | 5,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 29.6323% | 5,507 |
| Net loans and leases to deposits | 71.4449% | 3,832 |
| Net loans and leases to core deposits | 86.1736% | 2,948 |
| Total domestic deposits to total assets | 41.4757% | 5,699 |
| Equity capital to assets | 49.4045% | 38 |
| Core capital (leverage) ratio | 48.3544% | 38 |
| Tier 1 risk-based capital ratio | 101.7946% | 40 |
| Total risk-based capital ratio | 101.7946% | 40 |
| Memoranda: | ||
| Average total assets | $20,908,000 | 5,661 |
| Average earning assets | $17,805,250 | 5,661 |
| Average equity | $10,009,500 | 4,486 |
| Average total loans | $5,298,250 | 5,680 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.0306% | 22 |
| Cost of funding earning assets | 0.4395% | 2,699 |
| Net interest margin | 9.5911% | 18 |
| Noninterest income to average assets | 38.9597% | 28 |
| Noninterest expense to average assets | 44.4459% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.6856% | 106 |
| Return on assets (ROA) | 2.6856% | 105 |
| Pretax return on assets | 2.6760% | 161 |
| Return on Equity (ROE) | 5.6707% | 4,194 |
| Retained earnings to average equity (ytd only) | 5.6707% | 2,313 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3212% | 301 |
| Assets per employee ($millions) | 0.3686% | 5,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 26.1161% | 5,609 |
| Net loans and leases to deposits | 59.9541% | 4,633 |
| Net loans and leases to core deposits | 67.3086% | 4,397 |
| Total domestic deposits to total assets | 43.5602% | 5,744 |
| Equity capital to assets | 47.6916% | 37 |
| Core capital (leverage) ratio | 45.0336% | 37 |
| Tier 1 risk-based capital ratio | 108.1524% | 37 |
| Total risk-based capital ratio | 108.1524% | 37 |
| Memoranda: | ||
| Average total assets | $20,852,330 | 5,708 |
| Average earning assets | $17,745,670 | 5,711 |
| Average equity | $9,875,330 | 4,529 |
| Average total loans | $4,982,670 | 5,729 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8990% | 30 |
| Cost of funding earning assets | 0.4086% | 2,913 |
| Net interest margin | 8.4904% | 27 |
| Noninterest income to average assets | 38.6839% | 28 |
| Noninterest expense to average assets | 43.4207% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 2.4647% | 145 |
| Return on assets (ROA) | 2.4647% | 144 |
| Pretax return on assets | 2.4647% | 229 |
| Return on Equity (ROE) | 5.2229% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.2229% | 2,771 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6286% | 360 |
| Assets per employee ($millions) | 0.4148% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 28.2615% | 5,624 |
| Net loans and leases to deposits | 65.5998% | 4,201 |
| Net loans and leases to core deposits | 69.4879% | 4,187 |
| Total domestic deposits to total assets | 43.0817% | 5,809 |
| Equity capital to assets | 47.5701% | 40 |
| Core capital (leverage) ratio | 44.9045% | 41 |
| Tier 1 risk-based capital ratio | 101.2517% | 39 |
| Total risk-based capital ratio | 101.2517% | 39 |
| Memoranda: | ||
| Average total assets | $20,773,500 | 5,779 |
| Average earning assets | $17,620,000 | 5,780 |
| Average equity | $9,803,000 | 4,572 |
| Average total loans | $4,730,500 | 5,803 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7383% | 179 |
| Cost of funding earning assets | 0.3437% | 3,596 |
| Net interest margin | 5.3947% | 129 |
| Noninterest income to average assets | 41.1342% | 27 |
| Noninterest expense to average assets | 44.2731% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 7.3928% | 21 |
| Return on assets (ROA) | 7.3928% | 22 |
| Pretax return on assets | 1.4997% | 1,581 |
| Return on Equity (ROE) | 14.6642% | 676 |
| Retained earnings to average equity (ytd only) | 14.6642% | 118 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7235% | 290 |
| Assets per employee ($millions) | 0.4427% | 5,886 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 17.2987% | 5,826 |
| Net loans and leases to deposits | 38.8158% | 5,580 |
| Net loans and leases to core deposits | 41.0283% | 5,571 |
| Total domestic deposits to total assets | 44.5662% | 5,868 |
| Equity capital to assets | 46.8109% | 38 |
| Core capital (leverage) ratio | 48.0560% | 38 |
| Tier 1 risk-based capital ratio | 129.1468% | 34 |
| Total risk-based capital ratio | 129.1468% | 34 |
| Memoranda: | ||
| Average total assets | $17,936,400 | 5,859 |
| Average earning assets | $15,422,600 | 5,857 |
| Average equity | $9,042,400 | 4,755 |
| Average total loans | $3,713,400 | 5,869 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8334% | 153 |
| Cost of funding earning assets | 0.3489% | 3,554 |
| Net interest margin | 5.4845% | 117 |
| Noninterest income to average assets | 40.1169% | 28 |
| Noninterest expense to average assets | 35.7575% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 9.1059% | 19 |
| Return on assets (ROA) | 9.1059% | 20 |
| Pretax return on assets | 9.1059% | 24 |
| Return on Equity (ROE) | 17.6806% | 379 |
| Retained earnings to average equity (ytd only) | 17.6806% | 80 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7031% | 1,470 |
| Assets per employee ($millions) | 0.3989% | 5,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 19.2160% | 5,882 |
| Net loans and leases to deposits | 48.0016% | 5,379 |
| Net loans and leases to core deposits | 51.4273% | 5,332 |
| Total domestic deposits to total assets | 40.0320% | 5,939 |
| Equity capital to assets | 51.1787% | 37 |
| Core capital (leverage) ratio | 54.2397% | 34 |
| Tier 1 risk-based capital ratio | 148.8058% | 32 |
| Total risk-based capital ratio | 148.8058% | 32 |
| Memoranda: | ||
| Average total assets | $17,219,250 | 5,928 |
| Average earning assets | $14,902,250 | 5,927 |
| Average equity | $8,868,250 | 4,827 |
| Average total loans | $3,742,000 | 5,935 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8044% | 158 |
| Cost of funding earning assets | 0.3422% | 3,648 |
| Net interest margin | 5.4621% | 121 |
| Noninterest income to average assets | 35.2094% | 29 |
| Noninterest expense to average assets | 33.5391% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 6.4996% | 24 |
| Return on assets (ROA) | 6.4996% | 25 |
| Pretax return on assets | 6.4996% | 38 |
| Return on Equity (ROE) | 12.3222% | 1,205 |
| Retained earnings to average equity (ytd only) | 12.3222% | 286 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7666% | 1,070 |
| Assets per employee ($millions) | 0.3834% | 6,034 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 18.7911% | 5,957 |
| Net loans and leases to deposits | 47.4106% | 5,443 |
| Net loans and leases to core deposits | 51.0632% | 5,397 |
| Total domestic deposits to total assets | 39.6348% | 6,018 |
| Equity capital to assets | 51.4799% | 37 |
| Core capital (leverage) ratio | 53.2668% | 37 |
| Tier 1 risk-based capital ratio | 143.3586% | 33 |
| Total risk-based capital ratio | 143.3586% | 33 |
| Memoranda: | ||
| Average total assets | $16,524,000 | 6,013 |
| Average earning assets | $14,609,670 | 6,008 |
| Average equity | $8,716,000 | 4,888 |
| Average total loans | $3,788,330 | 6,010 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7923% | 163 |
| Cost of funding earning assets | 0.3326% | 3,806 |
| Net interest margin | 5.4597% | 127 |
| Noninterest income to average assets | 41.6583% | 25 |
| Noninterest expense to average assets | 46.7685% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.1754% | 5,876 |
| Return on assets (ROA) | -0.1754% | 5,891 |
| Pretax return on assets | -0.1754% | 5,887 |
| Return on Equity (ROE) | -0.3281% | 5,833 |
| Retained earnings to average equity (ytd only) | -0.3281% | 5,170 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.3763% | 284 |
| Assets per employee ($millions) | 0.3653% | 6,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 24.9024% | 5,937 |
| Net loans and leases to deposits | 57.5293% | 4,883 |
| Net loans and leases to core deposits | 61.6794% | 4,830 |
| Total domestic deposits to total assets | 43.2865% | 6,077 |
| Equity capital to assets | 49.7058% | 39 |
| Core capital (leverage) ratio | 52.7415% | 36 |
| Tier 1 risk-based capital ratio | 149.0826% | 31 |
| Total risk-based capital ratio | 149.0826% | 31 |
| Memoranda: | ||
| Average total assets | $15,968,000 | 6,085 |
| Average earning assets | $14,433,000 | 6,071 |
| Average equity | $8,534,500 | 4,949 |
| Average total loans | $4,025,500 | 6,072 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8366% | 66 |
| Cost of funding earning assets | 0.2084% | 5,210 |
| Net interest margin | 6.6282% | 51 |
| Noninterest income to average assets | 56.4464% | 22 |
| Noninterest expense to average assets | 54.5795% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 7.1673% | 27 |
| Return on assets (ROA) | 5.0838% | 43 |
| Pretax return on assets | 5.0838% | 52 |
| Return on Equity (ROE) | 7.4339% | 3,284 |
| Retained earnings to average equity (ytd only) | 7.4339% | 1,118 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3925% | 805 |
| Assets per employee ($millions) | 0.3357% | 6,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 25.5671% | 5,985 |
| Net loans and leases to deposits | 73.3062% | 3,575 |
| Net loans and leases to core deposits | 88.0186% | 2,601 |
| Total domestic deposits to total assets | 34.8771% | 6,145 |
| Equity capital to assets | 57.7967% | 35 |
| Core capital (leverage) ratio | 60.3080% | 36 |
| Tier 1 risk-based capital ratio | 165.1703% | 30 |
| Total risk-based capital ratio | 165.1703% | 30 |
| Memoranda: | ||
| Average total assets | $11,999,000 | 6,161 |
| Average earning assets | $9,595,400 | 6,155 |
| Average equity | $8,205,600 | 5,023 |
| Average total loans | $2,982,400 | 6,139 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6016% | 75 |
| Cost of funding earning assets | 0.1689% | 5,642 |
| Net interest margin | 6.4327% | 57 |
| Noninterest income to average assets | 56.0136% | 23 |
| Noninterest expense to average assets | 55.8131% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 5.1415% | 45 |
| Return on assets (ROA) | 5.1415% | 45 |
| Pretax return on assets | 5.1415% | 53 |
| Return on Equity (ROE) | 7.1565% | 3,539 |
| Retained earnings to average equity (ytd only) | 7.1565% | 1,619 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5651% | 594 |
| Assets per employee ($millions) | 0.3161% | 6,248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 35.1765% | 5,809 |
| Net loans and leases to deposits | 105.2949% | 394 |
| Net loans and leases to core deposits | 125.6937% | 344 |
| Total domestic deposits to total assets | 33.4076% | 6,233 |
| Equity capital to assets | 60.1352% | 38 |
| Core capital (leverage) ratio | 65.0615% | 33 |
| Tier 1 risk-based capital ratio | 132.8726% | 36 |
| Total risk-based capital ratio | 132.8726% | 37 |
| Memoranda: | ||
| Average total assets | $11,306,500 | 6,252 |
| Average earning assets | $8,684,500 | 6,249 |
| Average equity | $8,123,000 | 5,101 |
| Average total loans | $2,784,000 | 6,227 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3910% | 85 |
| Cost of funding earning assets | 0.1343% | 5,953 |
| Net interest margin | 6.2567% | 66 |
| Noninterest income to average assets | 59.0632% | 23 |
| Noninterest expense to average assets | 58.3735% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 5.1534% | 45 |
| Return on assets (ROA) | 5.1534% | 45 |
| Pretax return on assets | 5.1534% | 56 |
| Return on Equity (ROE) | 6.6890% | 3,793 |
| Retained earnings to average equity (ytd only) | 6.6890% | 1,853 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8878% | 648 |
| Assets per employee ($millions) | 0.3235% | 6,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 20.3425% | 6,204 |
| Net loans and leases to deposits | 78.7007% | 2,938 |
| Net loans and leases to core deposits | 93.8705% | 1,969 |
| Total domestic deposits to total assets | 25.8480% | 6,314 |
| Equity capital to assets | 68.4545% | 35 |
| Core capital (leverage) ratio | 70.7966% | 31 |
| Tier 1 risk-based capital ratio | 208.7643% | 26 |
| Total risk-based capital ratio | 208.7643% | 26 |
| Memoranda: | ||
| Average total assets | $10,439,670 | 6,335 |
| Average earning assets | $7,448,000 | 6,330 |
| Average equity | $8,043,000 | 5,155 |
| Average total loans | $2,081,330 | 6,306 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1355% | 114 |
| Cost of funding earning assets | 0.0646% | 6,312 |
| Net interest margin | 6.0709% | 71 |
| Noninterest income to average assets | 61.3158% | 23 |
| Noninterest expense to average assets | 61.7706% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 3.4317% | 74 |
| Return on assets (ROA) | 3.4317% | 78 |
| Pretax return on assets | 3.4317% | 107 |
| Return on Equity (ROE) | 4.1669% | 4,903 |
| Retained earnings to average equity (ytd only) | 4.1669% | 3,505 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7368% | 557 |
| Assets per employee ($millions) | 0.2512% | 6,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,364 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 25.2730% | 6,189 |
| Net loans and leases to deposits | 346.2937% | 9 |
| Net loans and leases to core deposits | 1,151.6279% | 13 |
| Total domestic deposits to total assets | 7.2982% | 6,399 |
| Equity capital to assets | 81.7495% | 29 |
| Core capital (leverage) ratio | 82.4565% | 24 |
| Tier 1 risk-based capital ratio | 198.5867% | 32 |
| Total risk-based capital ratio | 198.5867% | 32 |
| Memoranda: | ||
| Average total assets | $9,674,500 | 6,407 |
| Average earning assets | $6,193,500 | 6,402 |
| Average equity | $7,967,500 | 5,220 |
| Average total loans | $1,904,500 | 6,378 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8422% | 1,024 |
| Cost of funding earning assets | 0.0897% | 6,358 |
| Net interest margin | 4.7525% | 479 |
| Noninterest income to average assets | 64.2786% | 21 |
| Noninterest expense to average assets | 64.8523% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.6377% | 656 |
| Return on assets (ROA) | 1.6377% | 681 |
| Pretax return on assets | 1.6377% | 1,130 |
| Return on Equity (ROE) | 2.0338% | 5,755 |
| Retained earnings to average equity (ytd only) | 2.0338% | 4,768 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5369% | 443 |
| Assets per employee ($millions) | 0.2449% | 6,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,453 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 13.9552% | 6,427 |
| Net loans and leases to deposits | 184.3707% | 13 |
| Net loans and leases to core deposits | 597.7578% | 18 |
| Total domestic deposits to total assets | 7.5691% | 6,490 |
| Equity capital to assets | 82.9774% | 25 |
| Core capital (leverage) ratio | 85.5478% | 14 |
| Tier 1 risk-based capital ratio | 229.3403% | 23 |
| Total risk-based capital ratio | 229.3403% | 23 |
| Memoranda: | ||
| Average total assets | $9,586,400 | 6,500 |
| Average earning assets | $4,460,800 | 6,499 |
| Average equity | $7,719,600 | 5,263 |
| Average total loans | $1,093,200 | 6,470 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 2,132 |
| Cost of funding earning assets | 0.0607% | 6,503 |
| Net interest margin | 4.3671% | 928 |
| Noninterest income to average assets | 61.9891% | 22 |
| Noninterest expense to average assets | 65.5464% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -1.5563% | 6,503 |
| Return on assets (ROA) | -1.5563% | 6,500 |
| Pretax return on assets | -1.5563% | 6,491 |
| Return on Equity (ROE) | -1.9474% | 6,281 |
| Retained earnings to average equity (ytd only) | -1.9474% | 6,068 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4321% | 319 |
| Assets per employee ($millions) | 0.2592% | 6,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 11.4123% | 6,526 |
| Net loans and leases to deposits | 145.8904% | 19 |
| Net loans and leases to core deposits | 463.0435% | 22 |
| Total domestic deposits to total assets | 7.8225% | 6,569 |
| Equity capital to assets | 82.0403% | 24 |
| Core capital (leverage) ratio | 84.5593% | 18 |
| Tier 1 risk-based capital ratio | 225.9740% | 22 |
| Total risk-based capital ratio | 225.9740% | 22 |
| Memoranda: | ||
| Average total assets | $9,595,000 | 6,579 |
| Average earning assets | $4,396,500 | 6,580 |
| Average equity | $7,668,000 | 5,322 |
| Average total loans | $1,033,250 | 6,550 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8177% | 4,456 |
| Cost of funding earning assets | 0.0898% | 6,508 |
| Net interest margin | 3.7278% | 2,848 |
| Noninterest income to average assets | 61.4913% | 22 |
| Noninterest expense to average assets | 66.0148% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -2.8091% | 6,624 |
| Return on assets (ROA) | -2.8091% | 6,623 |
| Pretax return on assets | -2.8091% | 6,620 |
| Return on Equity (ROE) | -3.5454% | 6,398 |
| Retained earnings to average equity (ytd only) | -3.5454% | 6,139 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4444% | 313 |
| Assets per employee ($millions) | 0.2377% | 6,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 11.0730% | 6,597 |
| Net loans and leases to deposits | 152.4390% | 19 |
| Net loans and leases to core deposits | 641.0256% | 19 |
| Total domestic deposits to total assets | 7.2639% | 6,638 |
| Equity capital to assets | 84.5200% | 18 |
| Core capital (leverage) ratio | 88.7455% | 8 |
| Tier 1 risk-based capital ratio | 222.5364% | 24 |
| Total risk-based capital ratio | 222.5364% | 24 |
| Memoranda: | ||
| Average total assets | $9,682,670 | 6,646 |
| Average earning assets | $4,453,000 | 6,647 |
| Average equity | $7,672,000 | 5,351 |
| Average total loans | $1,022,670 | 6,618 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5033% | 5,412 |
| Cost of funding earning assets | 0.0898% | 6,591 |
| Net interest margin | 3.4134% | 4,060 |
| Noninterest income to average assets | 58.5502% | 23 |
| Noninterest expense to average assets | 66.2637% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -6.1947% | 6,718 |
| Return on assets (ROA) | -6.1947% | 6,718 |
| Pretax return on assets | -6.1947% | 6,715 |
| Return on Equity (ROE) | -8.0608% | 6,531 |
| Retained earnings to average equity (ytd only) | -8.0608% | 6,286 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.3127% | 257 |
| Assets per employee ($millions) | 0.2522% | 6,709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 12.2822% | 6,657 |
| Net loans and leases to deposits | 211.6906% | 11 |
| Net loans and leases to core deposits | 2,101.7857% | 11 |
| Total domestic deposits to total assets | 5.8019% | 6,708 |
| Equity capital to assets | 79.4532% | 33 |
| Core capital (leverage) ratio | 85.3779% | 19 |
| Tier 1 risk-based capital ratio | 218.9819% | 30 |
| Total risk-based capital ratio | 218.9819% | 30 |
| Memoranda: | ||
| Average total assets | $10,008,500 | 6,714 |
| Average earning assets | $4,453,000 | 6,720 |
| Average equity | $7,691,500 | 5,372 |
| Average total loans | $1,034,000 | 6,688 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7676% | 6,511 |
| Cost of funding earning assets | 0.0639% | 6,738 |
| Net interest margin | 2.7037% | 6,136 |
| Noninterest income to average assets | 59.9146% | 23 |
| Noninterest expense to average assets | 60.6330% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5667% | 4,425 |
| Return on assets (ROA) | 0.5667% | 4,534 |
| Pretax return on assets | 0.5667% | 4,982 |
| Return on Equity (ROE) | 0.7188% | 6,127 |
| Retained earnings to average equity (ytd only) | 0.7188% | 5,509 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0741% | 505 |
| Assets per employee ($millions) | 0.3069% | 6,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 8.5394% | 6,757 |
| Net loans and leases to deposits | 78.0894% | 2,711 |
| Net loans and leases to core deposits | 1,127.8481% | 15 |
| Total domestic deposits to total assets | 10.9354% | 6,787 |
| Equity capital to assets | 74.4585% | 30 |
| Core capital (leverage) ratio | 79.4539% | 23 |
| Tier 1 risk-based capital ratio | 198.4419% | 29 |
| Total risk-based capital ratio | 198.4419% | 29 |
| Memoranda: | ||
| Average total assets | $9,882,400 | 6,796 |
| Average earning assets | $4,697,200 | 6,800 |
| Average equity | $7,790,800 | 5,397 |
| Average total loans | $809,400 | 6,773 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6113% | 6,661 |
| Cost of funding earning assets | 0.0833% | 6,792 |
| Net interest margin | 2.5280% | 6,404 |
| Noninterest income to average assets | 58.1511% | 22 |
| Noninterest expense to average assets | 57.6447% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.7513% | 579 |
| Return on assets (ROA) | 1.7513% | 601 |
| Pretax return on assets | 1.7513% | 989 |
| Return on Equity (ROE) | 2.1890% | 5,880 |
| Retained earnings to average equity (ytd only) | 2.1890% | 5,007 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0514% | 571 |
| Assets per employee ($millions) | 0.2873% | 6,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 11.6822% | 6,824 |
| Net loans and leases to deposits | 126.9188% | 43 |
| Net loans and leases to core deposits | 1,755.3846% | 17 |
| Total domestic deposits to total assets | 9.2045% | 6,865 |
| Equity capital to assets | 80.2805% | 24 |
| Core capital (leverage) ratio | 82.6064% | 19 |
| Tier 1 risk-based capital ratio | 236.6737% | 24 |
| Total risk-based capital ratio | 236.6737% | 24 |
| Memoranda: | ||
| Average total assets | $9,744,500 | 6,877 |
| Average earning assets | $4,799,500 | 6,878 |
| Average equity | $7,796,250 | 5,449 |
| Average total loans | $789,000 | 6,850 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4077% | 6,769 |
| Cost of funding earning assets | 0.0803% | 6,849 |
| Net interest margin | 2.3274% | 6,601 |
| Noninterest income to average assets | 57.6358% | 22 |
| Noninterest expense to average assets | 58.0466% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.7805% | 3,401 |
| Return on assets (ROA) | 0.7805% | 3,565 |
| Pretax return on assets | 0.7805% | 4,388 |
| Return on Equity (ROE) | 0.9767% | 6,217 |
| Retained earnings to average equity (ytd only) | 0.9767% | 5,511 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6732% | 538 |
| Assets per employee ($millions) | 0.3072% | 6,918 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 7.2901% | 6,888 |
| Net loans and leases to deposits | 78.0359% | 2,569 |
| Net loans and leases to core deposits | 1,211.4754% | 17 |
| Total domestic deposits to total assets | 9.3420% | 6,916 |
| Equity capital to assets | 76.4625% | 28 |
| Core capital (leverage) ratio | 82.5541% | 21 |
| Tier 1 risk-based capital ratio | 229.9318% | 24 |
| Total risk-based capital ratio | 229.9318% | 23 |
| Memoranda: | ||
| Average total assets | $9,737,000 | 6,926 |
| Average earning assets | $4,984,000 | 6,927 |
| Average equity | $7,781,330 | 5,490 |
| Average total loans | $671,670 | 6,899 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1705% | 6,900 |
| Cost of funding earning assets | 0.0748% | 6,945 |
| Net interest margin | 2.0956% | 6,812 |
| Noninterest income to average assets | 59.1800% | 21 |
| Noninterest expense to average assets | 53.3501% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 7.0043% | 31 |
| Return on assets (ROA) | 7.0043% | 33 |
| Pretax return on assets | 7.0043% | 43 |
| Return on Equity (ROE) | 8.5679% | 2,674 |
| Retained earnings to average equity (ytd only) | 8.5679% | 1,532 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3947% | 1,291 |
| Assets per employee ($millions) | 0.2889% | 6,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 8.3987% | 6,961 |
| Net loans and leases to deposits | 90.7591% | 903 |
| Net loans and leases to core deposits | 1,375.0000% | 17 |
| Total domestic deposits to total assets | 9.2538% | 6,990 |
| Equity capital to assets | 80.2199% | 26 |
| Core capital (leverage) ratio | 85.1616% | 14 |
| Tier 1 risk-based capital ratio | 303.6609% | 17 |
| Total risk-based capital ratio | 303.6609% | 17 |
| Memoranda: | ||
| Average total assets | $9,537,000 | 7,003 |
| Average earning assets | $5,344,500 | 7,004 |
| Average equity | $7,796,500 | 5,542 |
| Average total loans | $638,000 | 6,976 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0908% | 6,983 |
| Cost of funding earning assets | 0.0880% | 7,009 |
| Net interest margin | 2.0027% | 6,935 |
| Noninterest income to average assets | 64.3207% | 20 |
| Noninterest expense to average assets | 53.8018% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 11.5361% | 19 |
| Return on assets (ROA) | 11.5361% | 19 |
| Pretax return on assets | 11.5361% | 27 |
| Return on Equity (ROE) | 14.4777% | 904 |
| Retained earnings to average equity (ytd only) | 14.4777% | 180 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3439% | 1,825 |
| Assets per employee ($millions) | 0.2803% | 7,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 4.8751% | 7,029 |
| Net loans and leases to deposits | 51.0181% | 5,885 |
| Net loans and leases to core deposits | 835.1852% | 26 |
| Total domestic deposits to total assets | 9.5557% | 7,056 |
| Equity capital to assets | 83.3748% | 22 |
| Core capital (leverage) ratio | 87.5284% | 11 |
| Tier 1 risk-based capital ratio | 387.9779% | 15 |
| Total risk-based capital ratio | 387.9779% | 15 |
| Memoranda: | ||
| Average total assets | $8,945,800 | 7,073 |
| Average earning assets | $4,543,800 | 7,072 |
| Average equity | $7,128,200 | 5,724 |
| Average total loans | $482,400 | 7,045 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0019% | 7,101 |
| Cost of funding earning assets | 0.0910% | 7,121 |
| Net interest margin | 1.9109% | 7,061 |
| Noninterest income to average assets | 62.5800% | 20 |
| Noninterest expense to average assets | 53.5003% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 10.0266% | 18 |
| Return on assets (ROA) | 10.0266% | 19 |
| Pretax return on assets | 10.0266% | 31 |
| Return on Equity (ROE) | 12.7372% | 1,403 |
| Retained earnings to average equity (ytd only) | 12.7372% | 416 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2168% | 1,569 |
| Assets per employee ($millions) | 0.2874% | 7,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 8.0654% | 7,123 |
| Net loans and leases to deposits | 85.3795% | 1,676 |
| Net loans and leases to core deposits | 1,471.1538% | 20 |
| Total domestic deposits to total assets | 9.4465% | 7,160 |
| Equity capital to assets | 77.4697% | 28 |
| Core capital (leverage) ratio | 86.9689% | 12 |
| Tier 1 risk-based capital ratio | 236.6506% | 26 |
| Total risk-based capital ratio | 236.6506% | 25 |
| Memoranda: | ||
| Average total assets | $8,869,500 | 7,171 |
| Average earning assets | $4,395,750 | 7,170 |
| Average equity | $6,982,000 | 5,837 |
| Average total loans | $490,250 | 7,142 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0142% | 7,175 |
| Cost of funding earning assets | 0.0937% | 7,187 |
| Net interest margin | 1.9205% | 7,126 |
| Noninterest income to average assets | 62.3707% | 20 |
| Noninterest expense to average assets | 54.4070% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 8.9101% | 23 |
| Return on assets (ROA) | 8.9101% | 22 |
| Pretax return on assets | 8.9101% | 31 |
| Return on Equity (ROE) | 11.2536% | 1,899 |
| Retained earnings to average equity (ytd only) | 11.2536% | 700 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9278% | 1,443 |
| Assets per employee ($millions) | 0.2639% | 7,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,187 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 5.5007% | 7,197 |
| Net loans and leases to deposits | 57.9903% | 5,452 |
| Net loans and leases to core deposits | 887.0370% | 25 |
| Total domestic deposits to total assets | 9.4855% | 7,226 |
| Equity capital to assets | 81.1553% | 22 |
| Core capital (leverage) ratio | 85.9837% | 10 |
| Tier 1 risk-based capital ratio | 279.8812% | 16 |
| Total risk-based capital ratio | 279.8812% | 16 |
| Memoranda: | ||
| Average total assets | $8,664,330 | 7,234 |
| Average earning assets | $4,269,670 | 7,234 |
| Average equity | $6,860,000 | 5,890 |
| Average total loans | $398,670 | 7,206 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8877% | 7,246 |
| Cost of funding earning assets | 0.0944% | 7,255 |
| Net interest margin | 1.7933% | 7,204 |
| Noninterest income to average assets | 62.9910% | 18 |
| Noninterest expense to average assets | 56.8817% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 6.9887% | 31 |
| Return on assets (ROA) | 6.9887% | 32 |
| Pretax return on assets | 6.9887% | 44 |
| Return on Equity (ROE) | 8.9395% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.9395% | 1,615 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0580% | 1,169 |
| Assets per employee ($millions) | 0.2397% | 7,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 4.7856% | 7,259 |
| Net loans and leases to deposits | 46.7195% | 6,372 |
| Net loans and leases to core deposits | 688.3333% | 27 |
| Total domestic deposits to total assets | 10.2433% | 7,288 |
| Equity capital to assets | 79.1657% | 26 |
| Core capital (leverage) ratio | 84.5754% | 12 |
| Tier 1 risk-based capital ratio | 288.0270% | 15 |
| Total risk-based capital ratio | 288.0270% | 15 |
| Memoranda: | ||
| Average total assets | $8,642,500 | 7,297 |
| Average earning assets | $4,238,000 | 7,296 |
| Average equity | $6,756,500 | 5,942 |
| Average total loans | $358,500 | 7,269 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9457% | 7,327 |
| Cost of funding earning assets | 0.1081% | 7,301 |
| Net interest margin | 0.8377% | 7,321 |
| Noninterest income to average assets | 67.8026% | 20 |
| Noninterest expense to average assets | 60.4781% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 7.7187% | 28 |
| Return on assets (ROA) | 7.7187% | 29 |
| Pretax return on assets | 7.7187% | 38 |
| Return on Equity (ROE) | 9.6346% | 2,196 |
| Retained earnings to average equity (ytd only) | 9.6346% | 644 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6817% | 1,299 |
| Assets per employee ($millions) | 0.2473% | 7,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 3.5124% | 7,308 |
| Net loans and leases to deposits | 31.8993% | 7,094 |
| Net loans and leases to core deposits | 375.3086% | 38 |
| Total domestic deposits to total assets | 11.0110% | 7,332 |
| Equity capital to assets | 77.1924% | 22 |
| Core capital (leverage) ratio | 84.9244% | 11 |
| Tier 1 risk-based capital ratio | 276.3027% | 17 |
| Total risk-based capital ratio | 276.3027% | 17 |
| Memoranda: | ||
| Average total assets | $7,864,000 | 7,347 |
| Average earning assets | $3,700,800 | 7,348 |
| Average equity | $6,300,200 | 6,074 |
| Average total loans | $143,600 | 7,320 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6672% | 7,417 |
| Cost of funding earning assets | 0.1112% | 7,380 |
| Net interest margin | 0.5560% | 7,412 |
| Noninterest income to average assets | 68.0194% | 19 |
| Noninterest expense to average assets | 63.6019% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 4.6784% | 46 |
| Return on assets (ROA) | 4.6784% | 47 |
| Pretax return on assets | 4.6784% | 67 |
| Return on Equity (ROE) | 5.7802% | 4,127 |
| Retained earnings to average equity (ytd only) | 5.7802% | 2,688 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1482% | 961 |
| Assets per employee ($millions) | 0.2606% | 7,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 5.1036% | 7,384 |
| Net loans and leases to deposits | 47.7273% | 6,635 |
| Net loans and leases to core deposits | 561.9718% | 33 |
| Total domestic deposits to total assets | 10.6933% | 7,409 |
| Equity capital to assets | 81.1333% | 22 |
| Core capital (leverage) ratio | 82.5374% | 18 |
| Tier 1 risk-based capital ratio | 320.0303% | 18 |
| Total risk-based capital ratio | 320.0303% | 18 |
| Memoranda: | ||
| Average total assets | $7,666,250 | 7,426 |
| Average earning assets | $3,597,000 | 7,428 |
| Average equity | $6,205,000 | 6,145 |
| Average total loans | $103,500 | 7,399 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3987% | 7,495 |
| Cost of funding earning assets | 0.1139% | 7,453 |
| Net interest margin | 0.2848% | 7,493 |
| Noninterest income to average assets | 69.0681% | 19 |
| Noninterest expense to average assets | 66.0743% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 3.1251% | 98 |
| Return on assets (ROA) | 3.1251% | 99 |
| Pretax return on assets | 3.1251% | 132 |
| Return on Equity (ROE) | 3.8643% | 4,999 |
| Retained earnings to average equity (ytd only) | 3.8643% | 3,744 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4839% | 904 |
| Assets per employee ($millions) | 0.2515% | 7,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 0.0663% | 7,472 |
| Net loans and leases to deposits | 0.6386% | 7,470 |
| Net loans and leases to core deposits | 1.7668% | 7,456 |
| Total domestic deposits to total assets | 10.3791% | 7,486 |
| Equity capital to assets | 82.0917% | 21 |
| Core capital (leverage) ratio | 79.9923% | 22 |
| Tier 1 risk-based capital ratio | 362.8002% | 16 |
| Total risk-based capital ratio | 362.8002% | 16 |
| Memoranda: | ||
| Average total assets | $7,615,670 | 7,502 |
| Average earning assets | $3,511,670 | 7,505 |
| Average equity | $6,159,000 | 6,185 |
| Average total loans | $5,000 | 7,477 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4630% | 7,557 |
| Cost of funding earning assets | 0.1157% | 7,518 |
| Net interest margin | 0.3472% | 7,554 |
| Noninterest income to average assets | 69.7380% | 19 |
| Noninterest expense to average assets | 62.7851% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 7.1097% | 36 |
| Return on assets (ROA) | 7.1097% | 38 |
| Pretax return on assets | 7.1097% | 46 |
| Return on Equity (ROE) | 8.8570% | 2,528 |
| Retained earnings to average equity (ytd only) | 8.8570% | 1,423 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8280% | 1,349 |
| Assets per employee ($millions) | 0.2512% | 7,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 0.0642% | 7,534 |
| Net loans and leases to deposits | 0.6321% | 7,533 |
| Net loans and leases to core deposits | 1.7182% | 7,515 |
| Total domestic deposits to total assets | 10.1593% | 7,550 |
| Equity capital to assets | 79.7585% | 23 |
| Core capital (leverage) ratio | 81.2402% | 20 |
| Tier 1 risk-based capital ratio | 324.2820% | 19 |
| Total risk-based capital ratio | 324.2820% | 19 |
| Memoranda: | ||
| Average total assets | $7,651,500 | 7,561 |
| Average earning assets | $3,456,000 | 7,565 |
| Average equity | $6,142,000 | 6,194 |
| Average total loans | $5,000 | 7,536 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2950% | 7,629 |
| Cost of funding earning assets | 0.0804% | 7,592 |
| Net interest margin | 0.2145% | 7,627 |
| Noninterest income to average assets | 53.2113% | 23 |
| Noninterest expense to average assets | 50.3140% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 3.0409% | 71 |
| Return on assets (ROA) | 3.0409% | 74 |
| Pretax return on assets | 3.0409% | 114 |
| Return on Equity (ROE) | 6.1873% | 3,527 |
| Retained earnings to average equity (ytd only) | 6.1873% | 1,723 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3006% | 1,045 |
| Assets per employee ($millions) | 0.2148% | 7,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 0.0665% | 7,613 |
| Net loans and leases to deposits | 0.7042% | 7,612 |
| Net loans and leases to core deposits | 2.3810% | 7,593 |
| Total domestic deposits to total assets | 9.4453% | 7,631 |
| Equity capital to assets | 80.8035% | 25 |
| Core capital (leverage) ratio | 82.3817% | 22 |
| Tier 1 risk-based capital ratio | 292.8640% | 24 |
| Total risk-based capital ratio | 292.8640% | 24 |
| Memoranda: | ||
| Average total assets | $11,148,000 | 7,614 |
| Average earning assets | $7,458,600 | 7,627 |
| Average equity | $5,479,000 | 6,513 |
| Average total loans | $5,400 | 7,617 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2668% | 7,747 |
| Cost of funding earning assets | 0.0627% | 7,712 |
| Net interest margin | 0.2040% | 7,742 |
| Noninterest income to average assets | 48.8938% | 26 |
| Noninterest expense to average assets | 55.3747% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -6.3371% | 7,701 |
| Return on assets (ROA) | -6.3371% | 7,703 |
| Pretax return on assets | -6.3371% | 7,696 |
| Return on Equity (ROE) | -14.3329% | 7,085 |
| Retained earnings to average equity (ytd only) | -14.3329% | 7,054 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.9229% | 479 |
| Assets per employee ($millions) | 0.2144% | 7,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 0.0686% | 7,715 |
| Net loans and leases to deposits | 0.5501% | 7,714 |
| Net loans and leases to core deposits | 5.7471% | 7,692 |
| Total domestic deposits to total assets | 12.4726% | 7,728 |
| Equity capital to assets | 70.8288% | 41 |
| Core capital (leverage) ratio | 64.8330% | 39 |
| Tier 1 risk-based capital ratio | 218.5436% | 35 |
| Total risk-based capital ratio | 218.5436% | 35 |
| Memoranda: | ||
| Average total assets | $12,055,750 | 7,710 |
| Average earning assets | $8,495,500 | 7,716 |
| Average equity | $5,330,250 | 6,637 |
| Average total loans | $5,500 | 7,720 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2725% | 7,817 |
| Cost of funding earning assets | 0.0584% | 7,783 |
| Net interest margin | 0.2141% | 7,810 |
| Noninterest income to average assets | 44.2213% | 28 |
| Noninterest expense to average assets | 55.7860% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -11.4034% | 7,814 |
| Return on assets (ROA) | -11.4034% | 7,814 |
| Pretax return on assets | -11.4034% | 7,815 |
| Return on Equity (ROE) | -28.8879% | 7,421 |
| Retained earnings to average equity (ytd only) | -28.8879% | 7,406 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.6935% | 351 |
| Assets per employee ($millions) | 0.1661% | 7,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 0.0700% | 7,784 |
| Net loans and leases to deposits | 0.5814% | 7,783 |
| Net loans and leases to core deposits | 5.3763% | 7,764 |
| Total domestic deposits to total assets | 12.0398% | 7,796 |
| Equity capital to assets | 69.3966% | 44 |
| Core capital (leverage) ratio | 38.2367% | 57 |
| Tier 1 risk-based capital ratio | 203.4058% | 38 |
| Total risk-based capital ratio | 203.4058% | 38 |
| Memoranda: | ||
| Average total assets | $13,645,000 | 7,756 |
| Average earning assets | $10,275,330 | 7,768 |
| Average equity | $5,386,330 | 6,654 |
| Average total loans | $5,670 | 7,787 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2679% | 7,922 |
| Cost of funding earning assets | 0.0595% | 7,886 |
| Net interest margin | 0.2083% | 7,915 |
| Noninterest income to average assets | 36.8845% | 29 |
| Noninterest expense to average assets | 43.3949% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -6.3447% | 7,828 |
| Return on assets (ROA) | -6.3447% | 7,829 |
| Pretax return on assets | -6.3447% | 7,816 |
| Return on Equity (ROE) | -19.1394% | 7,424 |
| Retained earnings to average equity (ytd only) | -19.1394% | 7,354 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.1246% | 480 |
| Assets per employee ($millions) | 0.3908% | 7,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 0.0341% | 7,886 |
| Net loans and leases to deposits | 0.0534% | 7,886 |
| Net loans and leases to core deposits | 5.1282% | 7,864 |
| Total domestic deposits to total assets | 63.9072% | 7,678 |
| Equity capital to assets | 31.0837% | 77 |
| Core capital (leverage) ratio | 37.5223% | 57 |
| Tier 1 risk-based capital ratio | 119.5234% | 44 |
| Total risk-based capital ratio | 119.5234% | 44 |
| Memoranda: | ||
| Average total assets | $16,896,000 | 7,798 |
| Average earning assets | $13,440,000 | 7,819 |
| Average equity | $5,601,000 | 6,644 |
| Average total loans | $6,000 | 7,889 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3677% | 7,991 |
| Cost of funding earning assets | 0.0681% | 7,972 |
| Net interest margin | 0.2996% | 7,981 |
| Noninterest income to average assets | 42.4474% | 30 |
| Noninterest expense to average assets | 43.0809% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.3680% | 6,045 |
| Return on assets (ROA) | -0.5068% | 6,179 |
| Pretax return on assets | -0.5068% | 6,016 |
| Return on Equity (ROE) | -1.4605% | 5,766 |
| Retained earnings to average equity (ytd only) | -1.4605% | 5,385 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8616% | 1,063 |
| Assets per employee ($millions) | 0.3858% | 7,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 0.0370% | 7,963 |
| Net loans and leases to deposits | 0.0623% | 7,963 |
| Net loans and leases to core deposits | 5.6075% | 7,952 |
| Total domestic deposits to total assets | 59.4298% | 7,813 |
| Equity capital to assets | 35.3925% | 77 |
| Core capital (leverage) ratio | 39.2405% | 65 |
| Tier 1 risk-based capital ratio | 124.8367% | 49 |
| Total risk-based capital ratio | 124.8367% | 49 |
| Memoranda: | ||
| Average total assets | $16,575,800 | 7,864 |
| Average earning assets | $14,686,400 | 7,853 |
| Average equity | $5,751,400 | 6,693 |
| Average total loans | $6,400 | 7,969 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3596% | 8,081 |
| Cost of funding earning assets | 0.0702% | 8,057 |
| Net interest margin | 0.2894% | 8,066 |
| Noninterest income to average assets | 41.4978% | 30 |
| Noninterest expense to average assets | 41.4178% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3439% | 4,625 |
| Return on assets (ROA) | 0.3439% | 4,720 |
| Pretax return on assets | 0.3439% | 4,945 |
| Return on Equity (ROE) | 0.9961% | 5,499 |
| Retained earnings to average equity (ytd only) | 0.9961% | 4,754 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1764% | 1,102 |
| Assets per employee ($millions) | 0.3652% | 8,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 0.0373% | 8,047 |
| Net loans and leases to deposits | 0.0660% | 8,047 |
| Net loans and leases to core deposits | 6.5217% | 8,030 |
| Total domestic deposits to total assets | 56.5783% | 7,918 |
| Equity capital to assets | 36.3082% | 84 |
| Core capital (leverage) ratio | 39.2238% | 76 |
| Tier 1 risk-based capital ratio | 132.5944% | 48 |
| Total risk-based capital ratio | 132.5944% | 48 |
| Memoranda: | ||
| Average total assets | $16,668,750 | 7,943 |
| Average earning assets | $15,203,250 | 7,921 |
| Average equity | $5,755,500 | 6,755 |
| Average total loans | $6,500 | 8,052 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3502% | 8,175 |
| Cost of funding earning assets | 0.0648% | 8,153 |
| Net interest margin | 0.2853% | 8,155 |
| Noninterest income to average assets | 40.2395% | 31 |
| Noninterest expense to average assets | 40.2276% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2727% | 5,004 |
| Return on assets (ROA) | 0.2727% | 5,104 |
| Pretax return on assets | 0.2727% | 5,270 |
| Return on Equity (ROE) | 0.8029% | 5,691 |
| Retained earnings to average equity (ytd only) | 0.8029% | 4,869 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3267% | 1,208 |
| Assets per employee ($millions) | 0.3680% | 8,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 0.0371% | 8,141 |
| Net loans and leases to deposits | 0.0640% | 8,141 |
| Net loans and leases to core deposits | 6.3158% | 8,124 |
| Total domestic deposits to total assets | 57.8486% | 7,984 |
| Equity capital to assets | 35.7910% | 100 |
| Core capital (leverage) ratio | 38.0438% | 98 |
| Tier 1 risk-based capital ratio | 134.2371% | 55 |
| Total risk-based capital ratio | 134.2371% | 55 |
| Memoranda: | ||
| Average total assets | $16,869,000 | 8,015 |
| Average earning assets | $15,421,330 | 7,992 |
| Average equity | $5,729,330 | 6,821 |
| Average total loans | $6,670 | 8,145 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3289% | 8,232 |
| Cost of funding earning assets | 0.0759% | 8,208 |
| Net interest margin | 0.2530% | 8,215 |
| Noninterest income to average assets | 38.7528% | 34 |
| Noninterest expense to average assets | 42.0306% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -3.0454% | 7,853 |
| Return on assets (ROA) | -3.0454% | 7,854 |
| Pretax return on assets | -3.0454% | 7,768 |
| Return on Equity (ROE) | -9.1994% | 7,313 |
| Retained earnings to average equity (ytd only) | -9.1994% | 7,031 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.8116% | 866 |
| Assets per employee ($millions) | 0.3813% | 8,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 0.0391% | 8,192 |
| Net loans and leases to deposits | 0.0640% | 8,193 |
| Net loans and leases to core deposits | 7.0000% | 8,175 |
| Total domestic deposits to total assets | 60.9921% | 7,944 |
| Equity capital to assets | 31.3860% | 131 |
| Core capital (leverage) ratio | 38.8306% | 98 |
| Tier 1 risk-based capital ratio | 118.9721% | 59 |
| Total risk-based capital ratio | 118.9721% | 59 |
| Memoranda: | ||
| Average total assets | $17,206,500 | 8,059 |
| Average earning assets | $15,811,000 | 8,029 |
| Average equity | $5,696,000 | 6,880 |
| Average total loans | $7,000 | 8,195 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8973% | 8,235 |
| Cost of funding earning assets | 0.1132% | 8,261 |
| Net interest margin | 1.7842% | 8,133 |
| Noninterest income to average assets | 43.0212% | 34 |
| Noninterest expense to average assets | 41.7932% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.8491% | 77 |
| Return on assets (ROA) | 2.8491% | 77 |
| Pretax return on assets | 2.8491% | 111 |
| Return on Equity (ROE) | 8.4642% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.4642% | 717 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6179% | 1,296 |
| Assets per employee ($millions) | 0.3366% | 8,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 0.0424% | 8,248 |
| Net loans and leases to deposits | 0.0730% | 8,248 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 58.1529% | 8,010 |
| Equity capital to assets | 34.9706% | 125 |
| Core capital (leverage) ratio | 40.6413% | 110 |
| Tier 1 risk-based capital ratio | 135.4710% | 59 |
| Total risk-based capital ratio | 135.4710% | 59 |
| Memoranda: | ||
| Average total assets | $16,531,400 | 8,121 |
| Average earning assets | $15,021,000 | 8,105 |
| Average equity | $5,564,600 | 6,961 |
| Average total loans | $8,000 | 8,252 |