Home > JPMorgan Chase Bank, Dearborn > Performance and Condition Ratios
JPMorgan Chase Bank, Dearborn, 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 | 5.8310% | 792 |
| Cost of funding earning assets | 0.0466% | 4,501 |
| Net interest margin | 5.7845% | 134 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 0.0000% | 4,547 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 3.9659% | 101 |
| Return on assets (ROA) | 3.9659% | 102 |
| Pretax return on assets | 5.2322% | 87 |
| Return on Equity (ROE) | 4.0000% | 3,884 |
| Retained earnings to average equity (ytd only) | 4.0019% | 2,960 |
| 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 | 0.0000% | 4,579 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 0.7600% | 4,535 |
| Equity capital to assets | 99.1882% | 51 |
| Core capital (leverage) ratio | 99.6651% | 11 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 507.3110% | 8 |
| Memoranda: | ||
| Average total assets | $64,121,600 | 4,173 |
| Average earning assets | $58,000,000 | 4,162 |
| Average equity | $63,545,000 | 1,335 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6127% | 896 |
| Cost of funding earning assets | 0.0466% | 4,526 |
| Net interest margin | 5.5661% | 169 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 0.0000% | 4,576 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.7951% | 118 |
| Return on assets (ROA) | 3.7951% | 118 |
| Pretax return on assets | 4.9947% | 94 |
| Return on Equity (ROE) | 3.8300% | 4,003 |
| Retained earnings to average equity (ytd only) | 3.8304% | 3,304 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 0.0000% | 4,602 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 0.7700% | 4,569 |
| Equity capital to assets | 99.1929% | 52 |
| Core capital (leverage) ratio | 99.6087% | 11 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 507.9816% | 8 |
| Memoranda: | ||
| Average total assets | $63,799,250 | 4,191 |
| Average earning assets | $57,250,000 | 4,190 |
| Average equity | $63,211,250 | 1,336 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4643% | 880 |
| Cost of funding earning assets | 0.0464% | 4,549 |
| Net interest margin | 5.4179% | 189 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 0.0000% | 4,604 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.6311% | 109 |
| Return on assets (ROA) | 3.6311% | 111 |
| Pretax return on assets | 4.7774% | 91 |
| Return on Equity (ROE) | 3.6700% | 4,073 |
| Retained earnings to average equity (ytd only) | 3.6663% | 3,296 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 0.0000% | 4,631 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.7800% | 4,589 |
| Equity capital to assets | 99.1799% | 50 |
| Core capital (leverage) ratio | 99.5110% | 13 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 509.0603% | 7 |
| Memoranda: | ||
| Average total assets | $63,507,333 | 4,213 |
| Average earning assets | $56,000,000 | 4,230 |
| Average equity | $62,897,333 | 1,340 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0071% | 1,217 |
| Cost of funding earning assets | 0.0429% | 4,586 |
| Net interest margin | 4.9643% | 310 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 0.0000% | 4,675 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.3389% | 128 |
| Return on assets (ROA) | 3.3389% | 127 |
| Pretax return on assets | 4.3950% | 99 |
| Return on Equity (ROE) | 3.3700% | 4,132 |
| Retained earnings to average equity (ytd only) | 3.3737% | 3,416 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 0.0000% | 4,671 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 0.7900% | 4,632 |
| Equity capital to assets | 98.8645% | 5 |
| Core capital (leverage) ratio | 99.3772% | 13 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 507.0576% | 6 |
| Memoranda: | ||
| Average total assets | $63,253,500 | 4,274 |
| Average earning assets | $56,000,000 | 4,285 |
| Average equity | $62,601,000 | 1,355 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3500% | 4,549 |
| Cost of funding earning assets | 0.0179% | 4,630 |
| Net interest margin | 2.3321% | 4,406 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 0.0000% | 4,708 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.5954% | 698 |
| Return on assets (ROA) | 1.5954% | 665 |
| Pretax return on assets | 2.0983% | 380 |
| Return on Equity (ROE) | 1.6100% | 4,422 |
| Retained earnings to average equity (ytd only) | 1.6093% | 4,072 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 0.0000% | 4,708 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 0.7900% | 4,665 |
| Equity capital to assets | 99.0734% | 5 |
| Core capital (leverage) ratio | 99.4909% | 9 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 508.5414% | 6 |
| Memoranda: | ||
| Average total assets | $62,240,400 | 4,317 |
| Average earning assets | $56,000,000 | 4,311 |
| Average equity | $61,704,200 | 1,373 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6142% | 4,652 |
| Cost of funding earning assets | 0.0119% | 4,674 |
| Net interest margin | 1.6023% | 4,627 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 0.0000% | 4,746 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 1.0998% | 2,101 |
| Return on assets (ROA) | 1.0998% | 2,065 |
| Pretax return on assets | 1.4456% | 1,578 |
| Return on Equity (ROE) | 1.1100% | 4,486 |
| Retained earnings to average equity (ytd only) | 1.1092% | 4,198 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 0.0000% | 4,746 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 0.8000% | 4,707 |
| Equity capital to assets | 99.1298% | 5 |
| Core capital (leverage) ratio | 99.3495% | 10 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 509.6062% | 6 |
| Memoranda: | ||
| Average total assets | $62,070,500 | 4,351 |
| Average earning assets | $56,000,000 | 4,348 |
| Average equity | $61,546,000 | 1,391 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0893% | 4,734 |
| Cost of funding earning assets | 0.0071% | 4,742 |
| Net interest margin | 1.0821% | 4,723 |
| Noninterest income to average assets | 0.0000% | 4,732 |
| Noninterest expense to average assets | 0.0000% | 4,770 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7456% | 3,154 |
| Return on assets (ROA) | 0.7456% | 3,110 |
| Pretax return on assets | 0.9780% | 2,808 |
| Return on Equity (ROE) | 0.7519% | 4,490 |
| Retained earnings to average equity (ytd only) | 0.7519% | 4,046 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 4,769 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8051% | 4,769 |
| Equity capital to assets | 99.1530% | 2 |
| Core capital (leverage) ratio | 99.3514% | 8 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 510.1491% | 1 |
| Memoranda: | ||
| Average total assets | $61,961,000 | 4,397 |
| Average earning assets | $56,000,000 | 4,402 |
| Average equity | $61,442,667 | 1,414 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6143% | 4,776 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 0.6143% | 4,773 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 0.0000% | 4,794 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4201% | 3,914 |
| Return on assets (ROA) | 0.4201% | 3,877 |
| Pretax return on assets | 0.5558% | 3,738 |
| Return on Equity (ROE) | 0.4236% | 4,490 |
| Retained earnings to average equity (ytd only) | 0.4236% | 3,934 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 4,794 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8073% | 4,796 |
| Equity capital to assets | 99.1555% | 1 |
| Core capital (leverage) ratio | 99.2212% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 510.4655% | 1 |
| Memoranda: | ||
| Average total assets | $61,891,000 | 4,422 |
| Average earning assets | $56,000,000 | 4,424 |
| Average equity | $61,376,500 | 1,454 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7768% | 4,798 |
| Cost of funding earning assets | 0.0036% | 4,812 |
| Net interest margin | 0.7732% | 4,795 |
| Noninterest income to average assets | 0.0000% | 4,810 |
| Noninterest expense to average assets | 0.0000% | 4,836 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.4797% | 4,131 |
| Return on assets (ROA) | 0.4797% | 4,173 |
| Pretax return on assets | 0.7017% | 3,926 |
| Return on Equity (ROE) | 0.4837% | 4,658 |
| Retained earnings to average equity (ytd only) | 0.4837% | 4,376 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 4,836 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8084% | 4,839 |
| Equity capital to assets | 99.1819% | 1 |
| Core capital (leverage) ratio | 99.2798% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 510.6468% | 1 |
| Memoranda: | ||
| Average total assets | $61,706,000 | 4,432 |
| Average earning assets | $56,000,000 | 4,441 |
| Average equity | $61,200,000 | 1,493 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7166% | 4,886 |
| Cost of funding earning assets | 0.0048% | 4,885 |
| Net interest margin | 0.7119% | 4,881 |
| Noninterest income to average assets | 0.0000% | 4,883 |
| Noninterest expense to average assets | 0.0000% | 4,913 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4908% | 4,224 |
| Return on assets (ROA) | 0.4908% | 4,269 |
| Pretax return on assets | 0.6464% | 4,166 |
| Return on Equity (ROE) | 0.4948% | 4,726 |
| Retained earnings to average equity (ytd only) | 0.4948% | 4,497 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 4,913 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8094% | 4,914 |
| Equity capital to assets | 99.1906% | 1 |
| Core capital (leverage) ratio | 99.2002% | 4 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 510.8378% | 4 |
| Memoranda: | ||
| Average total assets | $61,670,000 | 4,492 |
| Average earning assets | $56,000,000 | 4,496 |
| Average equity | $61,164,000 | 1,514 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7821% | 4,922 |
| Cost of funding earning assets | 0.0071% | 4,921 |
| Net interest margin | 0.7750% | 4,918 |
| Noninterest income to average assets | 0.0000% | 4,919 |
| Noninterest expense to average assets | 0.0000% | 4,950 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5354% | 4,149 |
| Return on assets (ROA) | 0.5354% | 4,196 |
| Pretax return on assets | 0.7041% | 4,056 |
| Return on Equity (ROE) | 0.5399% | 4,749 |
| Retained earnings to average equity (ytd only) | 0.5399% | 4,425 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 4,950 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8099% | 4,951 |
| Equity capital to assets | 99.1512% | 1 |
| Core capital (leverage) ratio | 99.2815% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 510.6190% | 3 |
| Memoranda: | ||
| Average total assets | $61,635,000 | 4,520 |
| Average earning assets | $56,000,000 | 4,523 |
| Average equity | $61,127,000 | 1,502 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6071% | 4,958 |
| Cost of funding earning assets | 0.0071% | 4,951 |
| Net interest margin | 0.6000% | 4,954 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 0.0000% | 4,975 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.4677% | 4,241 |
| Return on assets (ROA) | 0.4677% | 4,278 |
| Pretax return on assets | 0.5456% | 4,283 |
| Return on Equity (ROE) | 0.4715% | 4,757 |
| Retained earnings to average equity (ytd only) | 0.4715% | 4,311 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 4,973 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8114% | 4,979 |
| Equity capital to assets | 99.1886% | 1 |
| Core capital (leverage) ratio | 99.2449% | 5 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 510.9513% | 4 |
| Memoranda: | ||
| Average total assets | $61,584,000 | 4,539 |
| Average earning assets | $56,000,000 | 4,535 |
| Average equity | $61,084,000 | 1,491 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2964% | 4,959 |
| Cost of funding earning assets | 0.0089% | 4,978 |
| Net interest margin | 1.2875% | 4,937 |
| Noninterest income to average assets | 0.0000% | 4,957 |
| Noninterest expense to average assets | -0.0016% | 5,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5608% | 3,871 |
| Return on assets (ROA) | 0.5608% | 3,972 |
| Pretax return on assets | 1.1737% | 2,427 |
| Return on Equity (ROE) | 0.5656% | 4,723 |
| Retained earnings to average equity (ytd only) | 0.5656% | 4,357 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -0.1387% | 4,998 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8124% | 5,001 |
| Equity capital to assets | 99.1876% | 1 |
| Core capital (leverage) ratio | 99.1844% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 510.9902% | 1 |
| Memoranda: | ||
| Average total assets | $61,516,400 | 4,496 |
| Average earning assets | $56,000,000 | 4,496 |
| Average equity | $61,000,400 | 1,426 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3928% | 5,000 |
| Cost of funding earning assets | 0.0119% | 5,013 |
| Net interest margin | 1.3809% | 4,975 |
| Noninterest income to average assets | 0.0000% | 4,986 |
| Noninterest expense to average assets | 0.0000% | 5,031 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0036% | 2,327 |
| Return on assets (ROA) | 1.0036% | 2,457 |
| Pretax return on assets | 1.2572% | 2,200 |
| Return on Equity (ROE) | 1.0122% | 4,710 |
| Retained earnings to average equity (ytd only) | 1.0122% | 4,257 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 5,031 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8108% | 5,033 |
| Equity capital to assets | 99.1892% | 1 |
| Core capital (leverage) ratio | 99.1522% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 511.4642% | 4 |
| Memoranda: | ||
| Average total assets | $61,508,500 | 4,508 |
| Average earning assets | $56,000,000 | 4,513 |
| Average equity | $60,988,500 | 1,420 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7571% | 5,030 |
| Cost of funding earning assets | 0.0143% | 5,045 |
| Net interest margin | 1.7429% | 4,994 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 0.0000% | 5,064 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.2529% | 1,485 |
| Return on assets (ROA) | 1.2529% | 1,603 |
| Pretax return on assets | 1.5881% | 1,254 |
| Return on Equity (ROE) | 1.2638% | 4,655 |
| Retained earnings to average equity (ytd only) | 1.2638% | 4,023 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 5,063 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8108% | 5,067 |
| Equity capital to assets | 99.0643% | 1 |
| Core capital (leverage) ratio | 99.2204% | 3 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 510.4278% | 3 |
| Memoranda: | ||
| Average total assets | $61,456,000 | 4,523 |
| Average earning assets | $56,000,000 | 4,530 |
| Average equity | $60,929,333 | 1,410 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1714% | 5,074 |
| Cost of funding earning assets | 0.0143% | 5,093 |
| Net interest margin | 2.1571% | 4,978 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 0.0000% | 5,115 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.9168% | 324 |
| Return on assets (ROA) | 1.9168% | 354 |
| Pretax return on assets | 1.9690% | 487 |
| Return on Equity (ROE) | 1.9326% | 4,459 |
| Retained earnings to average equity (ytd only) | 1.9326% | 3,469 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 5,109 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8130% | 5,116 |
| Equity capital to assets | 99.1821% | 2 |
| Core capital (leverage) ratio | 99.4149% | 4 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 511.1623% | 2 |
| Memoranda: | ||
| Average total assets | $61,351,500 | 4,538 |
| Average earning assets | $56,000,000 | 4,540 |
| Average equity | $60,850,000 | 1,405 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9625% | 5,068 |
| Cost of funding earning assets | 0.0214% | 5,156 |
| Net interest margin | 2.9411% | 4,602 |
| Noninterest income to average assets | 0.0000% | 5,130 |
| Noninterest expense to average assets | 0.0017% | 5,176 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 2.9561% | 82 |
| Return on assets (ROA) | 2.9561% | 85 |
| Pretax return on assets | 2.7198% | 142 |
| Return on Equity (ROE) | 2.9965% | 4,664 |
| Retained earnings to average equity (ytd only) | 2.9965% | 3,530 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0607% | 5,176 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8170% | 5,178 |
| Equity capital to assets | 99.1830% | 2 |
| Core capital (leverage) ratio | 99.6634% | 4 |
| Tier 1 risk-based capital ratio | 511.0971% | 6 |
| Total risk-based capital ratio | 511.0971% | 6 |
| Memoranda: | ||
| Average total assets | $60,518,400 | 4,589 |
| Average earning assets | $56,000,200 | 4,586 |
| Average equity | $59,702,000 | 1,379 |
| Average total loans | $200 | 5,150 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0380% | 5,141 |
| Cost of funding earning assets | 0.0238% | 5,235 |
| Net interest margin | 3.0142% | 4,603 |
| Noninterest income to average assets | 0.0000% | 5,208 |
| Noninterest expense to average assets | 0.0022% | 5,255 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 2.5739% | 146 |
| Return on assets (ROA) | 2.5739% | 154 |
| Pretax return on assets | 2.7949% | 152 |
| Return on Equity (ROE) | 2.6127% | 4,822 |
| Retained earnings to average equity (ytd only) | 2.6127% | 4,044 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0790% | 5,255 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8254% | 5,257 |
| Equity capital to assets | 99.1746% | 1 |
| Core capital (leverage) ratio | 99.6798% | 6 |
| Tier 1 risk-based capital ratio | 512.8382% | 6 |
| Total risk-based capital ratio | 512.8382% | 6 |
| Memoranda: | ||
| Average total assets | $60,347,250 | 4,654 |
| Average earning assets | $56,000,250 | 4,648 |
| Average equity | $59,451,750 | 1,385 |
| Average total loans | $250 | 5,227 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1607% | 5,164 |
| Cost of funding earning assets | 0.0250% | 5,281 |
| Net interest margin | 3.1357% | 4,473 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 0.0033% | 5,302 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 2.2200% | 252 |
| Return on assets (ROA) | 2.2200% | 262 |
| Pretax return on assets | 2.9102% | 136 |
| Return on Equity (ROE) | 2.2585% | 4,909 |
| Retained earnings to average equity (ytd only) | 2.2585% | 4,035 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.1139% | 5,301 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8321% | 5,303 |
| Equity capital to assets | 99.1530% | 1 |
| Core capital (leverage) ratio | 92.9735% | 15 |
| Tier 1 risk-based capital ratio | 510.5656% | 4 |
| Total risk-based capital ratio | 510.5656% | 4 |
| Memoranda: | ||
| Average total assets | $60,270,000 | 4,691 |
| Average earning assets | $56,000,330 | 4,685 |
| Average equity | $59,242,670 | 1,389 |
| Average total loans | $330 | 5,275 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9785% | 5,276 |
| Cost of funding earning assets | 0.0214% | 5,342 |
| Net interest margin | 2.9571% | 4,811 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 0.0000% | 5,360 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 2.1008% | 323 |
| Return on assets (ROA) | 2.1008% | 336 |
| Pretax return on assets | 2.7436% | 168 |
| Return on Equity (ROE) | 2.1465% | 4,947 |
| Retained earnings to average equity (ytd only) | 2.1465% | 4,028 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 5,360 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8355% | 5,363 |
| Equity capital to assets | 98.9757% | 1 |
| Core capital (leverage) ratio | 86.9497% | 18 |
| Tier 1 risk-based capital ratio | 509.5140% | 3 |
| Total risk-based capital ratio | 509.5140% | 3 |
| Memoranda: | ||
| Average total assets | $60,359,000 | 4,740 |
| Average earning assets | $56,000,500 | 4,737 |
| Average equity | $59,072,500 | 1,390 |
| Average total loans | $500 | 5,335 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4106% | 5,349 |
| Cost of funding earning assets | 0.0196% | 5,384 |
| Net interest margin | 2.3910% | 5,251 |
| Noninterest income to average assets | 0.0000% | 5,351 |
| Noninterest expense to average assets | 0.0064% | 5,404 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 2.4841% | 154 |
| Return on assets (ROA) | 2.4841% | 153 |
| Pretax return on assets | 2.1525% | 395 |
| Return on Equity (ROE) | 2.6626% | 4,962 |
| Retained earnings to average equity (ytd only) | 2.6626% | 4,072 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.2983% | 5,402 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.0016% | 5,378 |
| Net loans and leases to deposits | 0.2000% | 5,378 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8214% | 5,406 |
| Equity capital to assets | 96.7802% | 7 |
| Core capital (leverage) ratio | 97.9484% | 8 |
| Tier 1 risk-based capital ratio | 490.7455% | 6 |
| Total risk-based capital ratio | 490.7455% | 6 |
| Memoranda: | ||
| Average total assets | $62,115,200 | 4,716 |
| Average earning assets | $56,086,400 | 4,747 |
| Average equity | $57,950,800 | 1,360 |
| Average total loans | $86,400 | 5,378 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2076% | 5,431 |
| Cost of funding earning assets | 0.0166% | 5,455 |
| Net interest margin | 2.1910% | 5,385 |
| Noninterest income to average assets | 0.0000% | 5,427 |
| Noninterest expense to average assets | 0.0085% | 5,476 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.5036% | 1,183 |
| Return on assets (ROA) | 1.5036% | 1,178 |
| Pretax return on assets | 1.9607% | 696 |
| Return on Equity (ROE) | 1.6265% | 5,174 |
| Retained earnings to average equity (ytd only) | 1.6265% | 4,691 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.4338% | 5,475 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 0.8600% | 5,477 |
| Equity capital to assets | 96.9775% | 4 |
| Core capital (leverage) ratio | 98.7099% | 6 |
| Tier 1 risk-based capital ratio | 495.3092% | 6 |
| Total risk-based capital ratio | 495.3092% | 6 |
| Memoranda: | ||
| Average total assets | $62,425,500 | 4,765 |
| Average earning assets | $56,107,750 | 4,800 |
| Average equity | $57,710,000 | 1,363 |
| Average total loans | $107,750 | 5,448 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1445% | 5,498 |
| Cost of funding earning assets | 0.0178% | 5,518 |
| Net interest margin | 2.1267% | 5,455 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 0.0000% | 5,541 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4509% | 1,276 |
| Return on assets (ROA) | 1.4509% | 1,279 |
| Pretax return on assets | 1.8871% | 795 |
| Return on Equity (ROE) | 1.5941% | 5,214 |
| Retained earnings to average equity (ytd only) | 1.5941% | 4,610 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 5,539 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 0.8469% | 5,541 |
| Equity capital to assets | 95.1011% | 9 |
| Core capital (leverage) ratio | 98.6170% | 6 |
| Tier 1 risk-based capital ratio | 462.2702% | 8 |
| Total risk-based capital ratio | 462.2702% | 8 |
| Memoranda: | ||
| Average total assets | $63,272,330 | 4,798 |
| Average earning assets | $56,143,670 | 4,856 |
| Average equity | $57,588,330 | 1,369 |
| Average total loans | $143,670 | 5,512 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7860% | 5,579 |
| Cost of funding earning assets | 0.0142% | 5,585 |
| Net interest margin | 1.7718% | 5,559 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 0.0000% | 5,605 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1968% | 2,019 |
| Return on assets (ROA) | 1.1968% | 2,034 |
| Pretax return on assets | 1.5441% | 1,549 |
| Return on Equity (ROE) | 1.3434% | 5,274 |
| Retained earnings to average equity (ytd only) | 1.3434% | 4,530 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 5,605 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.4213% | 5,575 |
| Net loans and leases to deposits | 54.8263% | 4,752 |
| Net loans and leases to core deposits | 1,577.7778% | 9 |
| Total domestic deposits to total assets | 0.7685% | 5,607 |
| Equity capital to assets | 85.3989% | 22 |
| Core capital (leverage) ratio | 95.2810% | 11 |
| Tier 1 risk-based capital ratio | 404.3268% | 13 |
| Total risk-based capital ratio | 404.3268% | 13 |
| Memoranda: | ||
| Average total assets | $64,504,000 | 4,839 |
| Average earning assets | $56,215,500 | 4,906 |
| Average equity | $57,467,500 | 1,379 |
| Average total loans | $215,500 | 5,576 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4703% | 5,633 |
| Cost of funding earning assets | 0.0089% | 5,651 |
| Net interest margin | 1.4614% | 5,617 |
| Noninterest income to average assets | 0.0000% | 5,617 |
| Noninterest expense to average assets | 0.0033% | 5,668 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.9788% | 294 |
| Return on assets (ROA) | 1.9788% | 297 |
| Pretax return on assets | 1.3532% | 2,159 |
| Return on Equity (ROE) | 2.1259% | 5,034 |
| Retained earnings to average equity (ytd only) | 2.1259% | 4,043 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.2427% | 5,664 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.2386% | 5,640 |
| Net loans and leases to deposits | 28.5437% | 5,535 |
| Net loans and leases to core deposits | 980.0000% | 10 |
| Total domestic deposits to total assets | 0.8360% | 5,672 |
| Equity capital to assets | 93.1317% | 7 |
| Core capital (leverage) ratio | 96.6362% | 7 |
| Tier 1 risk-based capital ratio | 468.2965% | 6 |
| Total risk-based capital ratio | 468.2965% | 6 |
| Memoranda: | ||
| Average total assets | $60,743,000 | 4,946 |
| Average earning assets | $56,382,400 | 4,942 |
| Average equity | $56,541,000 | 1,384 |
| Average total loans | $81,800 | 5,642 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3394% | 5,710 |
| Cost of funding earning assets | 0.0094% | 5,716 |
| Net interest margin | 1.3300% | 5,700 |
| Noninterest income to average assets | 0.0000% | 5,683 |
| Noninterest expense to average assets | 0.0022% | 5,736 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7732% | 3,632 |
| Return on assets (ROA) | 0.7732% | 3,681 |
| Pretax return on assets | 1.2380% | 2,756 |
| Return on Equity (ROE) | 0.8307% | 5,451 |
| Retained earnings to average equity (ytd only) | 0.8307% | 5,029 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.1776% | 5,735 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.0067% | 5,708 |
| Net loans and leases to deposits | 23.5294% | 5,642 |
| Net loans and leases to core deposits | 23.5294% | 5,642 |
| Total domestic deposits to total assets | 0.0283% | 5,744 |
| Equity capital to assets | 94.0339% | 6 |
| Core capital (leverage) ratio | 82.2767% | 25 |
| Tier 1 risk-based capital ratio | 479.6741% | 6 |
| Total risk-based capital ratio | 479.6741% | 6 |
| Memoranda: | ||
| Average total assets | $60,528,250 | 5,006 |
| Average earning assets | $56,441,250 | 4,999 |
| Average equity | $56,333,500 | 1,405 |
| Average total loans | $65,500 | 5,707 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2794% | 5,761 |
| Cost of funding earning assets | 0.0106% | 5,764 |
| Net interest margin | 1.2688% | 5,754 |
| Noninterest income to average assets | 0.0000% | 5,731 |
| Noninterest expense to average assets | 0.0033% | 5,786 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7351% | 3,688 |
| Return on assets (ROA) | 0.7351% | 3,752 |
| Pretax return on assets | 1.1802% | 2,852 |
| Return on Equity (ROE) | 0.7926% | 5,499 |
| Retained earnings to average equity (ytd only) | 0.7926% | 4,896 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.2786% | 5,785 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.3848% | 5,753 |
| Net loans and leases to deposits | 45.1550% | 5,306 |
| Net loans and leases to core deposits | 1,553.3333% | 10 |
| Total domestic deposits to total assets | 0.8522% | 5,788 |
| Equity capital to assets | 93.1329% | 8 |
| Core capital (leverage) ratio | 95.1940% | 9 |
| Tier 1 risk-based capital ratio | 444.0665% | 9 |
| Total risk-based capital ratio | 444.0665% | 9 |
| Memoranda: | ||
| Average total assets | $60,669,000 | 5,044 |
| Average earning assets | $56,587,000 | 5,029 |
| Average equity | $56,271,330 | 1,409 |
| Average total loans | $86,000 | 5,756 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9838% | 5,841 |
| Cost of funding earning assets | 0.0142% | 5,823 |
| Net interest margin | 0.9697% | 5,838 |
| Noninterest income to average assets | 0.0000% | 5,808 |
| Noninterest expense to average assets | 0.0000% | 5,853 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5533% | 4,365 |
| Return on assets (ROA) | 0.5533% | 4,411 |
| Pretax return on assets | 0.9024% | 3,760 |
| Return on Equity (ROE) | 0.5977% | 5,553 |
| Retained earnings to average equity (ytd only) | 0.5977% | 4,779 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.0000% | 5,852 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 0.8901% | 5,854 |
| Equity capital to assets | 92.2165% | 10 |
| Core capital (leverage) ratio | 95.2246% | 9 |
| Tier 1 risk-based capital ratio | 470.2642% | 8 |
| Total risk-based capital ratio | 470.2642% | 8 |
| Memoranda: | ||
| Average total assets | $60,728,500 | 5,101 |
| Average earning assets | $56,513,500 | 5,089 |
| Average equity | $56,211,000 | 1,396 |
| Average total loans | $12,500 | 5,827 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6976% | 5,895 |
| Cost of funding earning assets | 0.0070% | 5,888 |
| Net interest margin | 0.6906% | 5,894 |
| Noninterest income to average assets | 0.0000% | 5,853 |
| Noninterest expense to average assets | 0.0065% | 5,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.4024% | 1,005 |
| Return on assets (ROA) | 1.4024% | 1,025 |
| Pretax return on assets | 0.6308% | 4,706 |
| Return on Equity (ROE) | 1.5613% | 5,478 |
| Retained earnings to average equity (ytd only) | 1.5613% | 4,634 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1.0152% | 5,910 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.0414% | 5,882 |
| Net loans and leases to deposits | 4.8450% | 5,879 |
| Net loans and leases to core deposits | 166.6667% | 68 |
| Total domestic deposits to total assets | 0.8535% | 5,913 |
| Equity capital to assets | 92.9089% | 9 |
| Core capital (leverage) ratio | 94.9088% | 9 |
| Tier 1 risk-based capital ratio | 470.2612% | 6 |
| Total risk-based capital ratio | 470.2612% | 6 |
| Memoranda: | ||
| Average total assets | $61,822,800 | 5,096 |
| Average earning assets | $57,055,400 | 5,102 |
| Average equity | $55,530,000 | 1,382 |
| Average total loans | $305,600 | 5,881 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5525% | 5,970 |
| Cost of funding earning assets | 0.0070% | 5,955 |
| Net interest margin | 0.5456% | 5,967 |
| Noninterest income to average assets | 0.0000% | 5,922 |
| Noninterest expense to average assets | 0.0043% | 5,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.3110% | 5,260 |
| Return on assets (ROA) | 0.3110% | 5,346 |
| Pretax return on assets | 0.4976% | 5,131 |
| Return on Equity (ROE) | 0.3492% | 5,716 |
| Retained earnings to average equity (ytd only) | 0.3492% | 5,261 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.8547% | 5,978 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 1.0634% | 5,978 |
| Equity capital to assets | 92.2763% | 10 |
| Core capital (leverage) ratio | 71.3631% | 29 |
| Tier 1 risk-based capital ratio | 473.8655% | 5 |
| Total risk-based capital ratio | 473.8655% | 5 |
| Memoranda: | ||
| Average total assets | $62,164,500 | 5,135 |
| Average earning assets | $57,187,750 | 5,143 |
| Average equity | $55,370,250 | 1,397 |
| Average total loans | $375,750 | 5,948 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5364% | 6,049 |
| Cost of funding earning assets | 0.0035% | 6,036 |
| Net interest margin | 0.5329% | 6,046 |
| Noninterest income to average assets | 0.0000% | 5,999 |
| Noninterest expense to average assets | 0.0032% | 6,056 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3023% | 5,319 |
| Return on assets (ROA) | 0.3023% | 5,404 |
| Pretax return on assets | 0.4836% | 5,168 |
| Return on Equity (ROE) | 0.3433% | 5,763 |
| Retained earnings to average equity (ytd only) | 0.3433% | 5,198 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 0.6536% | 6,056 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.8286% | 6,024 |
| Net loans and leases to deposits | 97.0930% | 957 |
| Net loans and leases to core deposits | 3,340.0000% | 9 |
| Total domestic deposits to total assets | 0.8534% | 6,060 |
| Equity capital to assets | 91.6184% | 11 |
| Core capital (leverage) ratio | 92.1624% | 12 |
| Tier 1 risk-based capital ratio | 470.9828% | 5 |
| Total risk-based capital ratio | 470.9828% | 5 |
| Memoranda: | ||
| Average total assets | $62,856,670 | 5,178 |
| Average earning assets | $57,416,670 | 5,188 |
| Average equity | $55,344,670 | 1,401 |
| Average total loans | $501,000 | 6,026 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3624% | 6,116 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 0.3624% | 6,115 |
| Noninterest income to average assets | 0.0000% | 6,066 |
| Noninterest expense to average assets | 0.0062% | 6,119 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1998% | 5,525 |
| Return on assets (ROA) | 0.1998% | 5,588 |
| Pretax return on assets | 0.3185% | 5,479 |
| Return on Equity (ROE) | 0.2314% | 5,795 |
| Retained earnings to average equity (ytd only) | 0.2314% | 5,054 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1.9231% | 6,117 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.7653% | 6,085 |
| Net loans and leases to deposits | 9.0629% | 6,080 |
| Net loans and leases to core deposits | 9.9661% | 6,070 |
| Total domestic deposits to total assets | 8.4440% | 6,104 |
| Equity capital to assets | 84.6914% | 25 |
| Core capital (leverage) ratio | 92.5426% | 11 |
| Tier 1 risk-based capital ratio | 434.5033% | 9 |
| Total risk-based capital ratio | 434.5033% | 9 |
| Memoranda: | ||
| Average total assets | $64,052,000 | 5,195 |
| Average earning assets | $57,390,500 | 5,230 |
| Average equity | $55,318,000 | 1,393 |
| Average total loans | $501,000 | 6,087 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3070% | 6,172 |
| Cost of funding earning assets | 0.0035% | 6,160 |
| Net interest margin | 0.3035% | 6,170 |
| Noninterest income to average assets | 0.0000% | 6,104 |
| Noninterest expense to average assets | 0.0049% | 6,179 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.4278% | 990 |
| Return on assets (ROA) | 1.4278% | 1,022 |
| Pretax return on assets | 0.2778% | 5,565 |
| Return on Equity (ROE) | 1.6092% | 5,659 |
| Retained earnings to average equity (ytd only) | 1.6092% | 4,802 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1.7241% | 6,178 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.7998% | 6,145 |
| Net loans and leases to deposits | 97.4757% | 866 |
| Net loans and leases to core deposits | 3,346.6667% | 9 |
| Total domestic deposits to total assets | 0.8205% | 6,180 |
| Equity capital to assets | 88.1054% | 14 |
| Core capital (leverage) ratio | 91.6355% | 12 |
| Tier 1 risk-based capital ratio | 452.2571% | 7 |
| Total risk-based capital ratio | 452.2571% | 7 |
| Memoranda: | ||
| Average total assets | $61,562,200 | 5,282 |
| Average earning assets | $57,325,200 | 5,257 |
| Average equity | $54,623,600 | 1,368 |
| Average total loans | $502,000 | 6,147 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2396% | 6,265 |
| Cost of funding earning assets | 0.0023% | 6,247 |
| Net interest margin | 0.2373% | 6,262 |
| Noninterest income to average assets | 0.0000% | 6,192 |
| Noninterest expense to average assets | 0.0044% | 6,268 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.1349% | 5,799 |
| Return on assets (ROA) | 0.1349% | 5,843 |
| Pretax return on assets | 0.2176% | 5,764 |
| Return on Equity (ROE) | 0.1518% | 5,957 |
| Retained earnings to average equity (ytd only) | 0.1518% | 5,562 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 1.9608% | 6,266 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.8007% | 6,231 |
| Net loans and leases to deposits | 97.0874% | 901 |
| Net loans and leases to core deposits | 3,333.3333% | 10 |
| Total domestic deposits to total assets | 0.8247% | 6,268 |
| Equity capital to assets | 87.2544% | 16 |
| Core capital (leverage) ratio | 90.7735% | 14 |
| Tier 1 risk-based capital ratio | 447.7728% | 8 |
| Total risk-based capital ratio | 447.7728% | 8 |
| Memoranda: | ||
| Average total assets | $61,260,750 | 5,352 |
| Average earning assets | $57,315,000 | 5,329 |
| Average equity | $54,454,000 | 1,380 |
| Average total loans | $502,000 | 6,233 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2897% | 6,339 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 0.2897% | 6,336 |
| Noninterest income to average assets | 0.0000% | 6,260 |
| Noninterest expense to average assets | 0.0066% | 6,346 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1676% | 5,772 |
| Return on assets (ROA) | 0.1676% | 5,826 |
| Pretax return on assets | 0.2662% | 5,714 |
| Return on Equity (ROE) | 0.1874% | 6,004 |
| Retained earnings to average equity (ytd only) | 0.1874% | 5,445 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2.4096% | 6,343 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.8170% | 6,308 |
| Net loans and leases to deposits | 96.3810% | 924 |
| Net loans and leases to core deposits | 2,024.0000% | 12 |
| Total domestic deposits to total assets | 0.8476% | 6,345 |
| Equity capital to assets | 87.9521% | 14 |
| Core capital (leverage) ratio | 90.7959% | 14 |
| Tier 1 risk-based capital ratio | 451.4961% | 7 |
| Total risk-based capital ratio | 451.4961% | 7 |
| Memoranda: | ||
| Average total assets | $60,866,000 | 5,423 |
| Average earning assets | $57,306,330 | 5,387 |
| Average equity | $54,443,330 | 1,383 |
| Average total loans | $502,670 | 6,310 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1187% | 6,415 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 0.1187% | 6,414 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 0.0066% | 6,418 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.0663% | 5,934 |
| Return on assets (ROA) | 0.0663% | 5,984 |
| Pretax return on assets | 0.1061% | 5,937 |
| Return on Equity (ROE) | 0.0735% | 6,049 |
| Retained earnings to average equity (ytd only) | 0.0735% | 5,349 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.8824% | 6,410 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.8272% | 6,380 |
| Net loans and leases to deposits | 94.3396% | 948 |
| Net loans and leases to core deposits | 1,666.6667% | 11 |
| Total domestic deposits to total assets | 0.8769% | 6,416 |
| Equity capital to assets | 90.0567% | 13 |
| Core capital (leverage) ratio | 90.9293% | 13 |
| Tier 1 risk-based capital ratio | 462.4724% | 6 |
| Total risk-based capital ratio | 462.4724% | 6 |
| Memoranda: | ||
| Average total assets | $60,331,000 | 5,496 |
| Average earning assets | $57,296,000 | 5,437 |
| Average equity | $54,428,000 | 1,399 |
| Average total loans | $501,000 | 6,381 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2585% | 6,499 |
| Cost of funding earning assets | 0.0035% | 6,484 |
| Net interest margin | 0.2550% | 6,497 |
| Noninterest income to average assets | 0.0000% | 6,390 |
| Noninterest expense to average assets | 0.0067% | 6,507 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7859% | 487 |
| Return on assets (ROA) | 1.7859% | 502 |
| Pretax return on assets | 0.2361% | 5,813 |
| Return on Equity (ROE) | 2.0043% | 5,759 |
| Retained earnings to average equity (ytd only) | 2.0043% | 4,784 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2.7397% | 6,507 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.8336% | 6,470 |
| Net loans and leases to deposits | 73.8235% | 3,457 |
| Net loans and leases to core deposits | 278.8889% | 35 |
| Total domestic deposits to total assets | 1.1292% | 6,504 |
| Equity capital to assets | 90.3751% | 10 |
| Core capital (leverage) ratio | 91.4150% | 8 |
| Tier 1 risk-based capital ratio | 462.8593% | 6 |
| Total risk-based capital ratio | 462.8593% | 6 |
| Memoranda: | ||
| Average total assets | $60,138,600 | 5,546 |
| Average earning assets | $57,263,400 | 5,479 |
| Average equity | $53,584,000 | 1,363 |
| Average total loans | $503,400 | 6,472 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1979% | 6,584 |
| Cost of funding earning assets | 0.0023% | 6,568 |
| Net interest margin | 0.1956% | 6,582 |
| Noninterest income to average assets | 0.0000% | 6,477 |
| Noninterest expense to average assets | 0.0067% | 6,588 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.1153% | 6,004 |
| Return on assets (ROA) | 0.1153% | 6,033 |
| Pretax return on assets | 0.1796% | 5,972 |
| Return on Equity (ROE) | 0.1299% | 6,145 |
| Retained earnings to average equity (ytd only) | 0.1299% | 5,763 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.5714% | 6,586 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.8397% | 6,550 |
| Net loans and leases to deposits | 96.3810% | 852 |
| Net loans and leases to core deposits | 2,024.0000% | 12 |
| Total domestic deposits to total assets | 0.8713% | 6,587 |
| Equity capital to assets | 88.6221% | 11 |
| Core capital (leverage) ratio | 88.7178% | 10 |
| Tier 1 risk-based capital ratio | 454.9412% | 6 |
| Total risk-based capital ratio | 454.9412% | 6 |
| Memoranda: | ||
| Average total assets | $60,118,500 | 5,606 |
| Average earning assets | $57,257,000 | 5,537 |
| Average equity | $53,374,250 | 1,374 |
| Average total loans | $503,750 | 6,552 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2480% | 6,649 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 0.2480% | 6,647 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 0.0067% | 6,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.1465% | 5,957 |
| Return on assets (ROA) | 0.1465% | 5,993 |
| Pretax return on assets | 0.2297% | 5,906 |
| Return on Equity (ROE) | 0.1649% | 6,192 |
| Retained earnings to average equity (ytd only) | 0.1649% | 5,638 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2.8169% | 6,653 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.8353% | 6,618 |
| Net loans and leases to deposits | 97.4757% | 702 |
| Net loans and leases to core deposits | 3,346.6667% | 11 |
| Total domestic deposits to total assets | 0.8570% | 6,654 |
| Equity capital to assets | 88.8477% | 9 |
| Core capital (leverage) ratio | 89.8297% | 7 |
| Tier 1 risk-based capital ratio | 456.3894% | 4 |
| Total risk-based capital ratio | 456.3894% | 4 |
| Memoranda: | ||
| Average total assets | $60,072,330 | 5,658 |
| Average earning assets | $57,250,000 | 5,577 |
| Average equity | $53,365,330 | 1,367 |
| Average total loans | $503,000 | 6,619 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0699% | 6,724 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 0.0699% | 6,722 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 0.0133% | 6,729 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0333% | 6,158 |
| Return on assets (ROA) | 0.0333% | 6,177 |
| Pretax return on assets | 0.0533% | 6,150 |
| Return on Equity (ROE) | 0.0375% | 6,224 |
| Retained earnings to average equity (ytd only) | 0.0375% | 5,535 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.0000% | 6,710 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.8333% | 6,687 |
| Net loans and leases to deposits | 88.0282% | 1,362 |
| Net loans and leases to core deposits | 735.2941% | 19 |
| Total domestic deposits to total assets | 0.9466% | 6,723 |
| Equity capital to assets | 88.9174% | 15 |
| Core capital (leverage) ratio | 89.6962% | 12 |
| Tier 1 risk-based capital ratio | 456.7588% | 8 |
| Total risk-based capital ratio | 456.7588% | 8 |
| Memoranda: | ||
| Average total assets | $60,061,000 | 5,711 |
| Average earning assets | $57,244,500 | 5,633 |
| Average equity | $53,351,500 | 1,364 |
| Average total loans | $503,500 | 6,689 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2699% | 6,797 |
| Cost of funding earning assets | 0.0017% | 6,793 |
| Net interest margin | 0.2682% | 6,794 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 0.0333% | 6,809 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.0942% | 1,953 |
| Return on assets (ROA) | 1.0942% | 2,026 |
| Pretax return on assets | 0.2169% | 5,906 |
| Return on Equity (ROE) | 1.3082% | 6,024 |
| Retained earnings to average equity (ytd only) | 1.3082% | 5,243 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.2911% | 6,801 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.8433% | 6,769 |
| Net loans and leases to deposits | 89.4180% | 1,292 |
| Net loans and leases to core deposits | 756.7164% | 18 |
| Total domestic deposits to total assets | 0.9431% | 6,807 |
| Equity capital to assets | 88.7405% | 14 |
| Core capital (leverage) ratio | 82.7014% | 18 |
| Tier 1 risk-based capital ratio | 454.8857% | 8 |
| Total risk-based capital ratio | 454.8857% | 8 |
| Memoranda: | ||
| Average total assets | $63,152,000 | 5,674 |
| Average earning assets | $58,912,600 | 5,625 |
| Average equity | $52,819,600 | 1,343 |
| Average total loans | $504,200 | 6,774 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2202% | 6,881 |
| Cost of funding earning assets | 0.0022% | 6,871 |
| Net interest margin | 0.2180% | 6,877 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 0.0396% | 6,889 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.1064% | 6,125 |
| Return on assets (ROA) | 0.1064% | 6,190 |
| Pretax return on assets | 0.1627% | 6,109 |
| Return on Equity (ROE) | 0.1291% | 6,332 |
| Retained earnings to average equity (ytd only) | 0.1291% | 5,899 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.5876% | 6,870 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.7950% | 6,850 |
| Net loans and leases to deposits | 95.6023% | 720 |
| Net loans and leases to core deposits | 2,173.9130% | 15 |
| Total domestic deposits to total assets | 0.8315% | 6,883 |
| Equity capital to assets | 83.8048% | 20 |
| Core capital (leverage) ratio | 84.0386% | 17 |
| Tier 1 risk-based capital ratio | 429.4362% | 10 |
| Total risk-based capital ratio | 429.4362% | 10 |
| Memoranda: | ||
| Average total assets | $63,910,500 | 5,710 |
| Average earning assets | $59,330,000 | 5,672 |
| Average equity | $52,687,250 | 1,359 |
| Average total loans | $503,500 | 6,852 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2832% | 6,928 |
| Cost of funding earning assets | 0.0000% | 6,924 |
| Net interest margin | 0.2832% | 6,925 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 0.0093% | 6,938 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.1650% | 5,988 |
| Return on assets (ROA) | 0.1650% | 6,106 |
| Pretax return on assets | 0.2553% | 5,990 |
| Return on Equity (ROE) | 0.2012% | 6,350 |
| Retained earnings to average equity (ytd only) | 0.2012% | 5,794 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.5294% | 6,933 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.7954% | 6,899 |
| Net loans and leases to deposits | 96.1538% | 657 |
| Net loans and leases to core deposits | 2,500.0000% | 13 |
| Total domestic deposits to total assets | 0.8272% | 6,936 |
| Equity capital to assets | 83.8479% | 20 |
| Core capital (leverage) ratio | 83.9320% | 17 |
| Tier 1 risk-based capital ratio | 429.8377% | 11 |
| Total risk-based capital ratio | 429.8377% | 11 |
| Memoranda: | ||
| Average total assets | $64,249,000 | 5,744 |
| Average earning assets | $60,032,000 | 5,694 |
| Average equity | $52,680,000 | 1,362 |
| Average total loans | $504,670 | 6,900 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1333% | 7,013 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 0.1333% | 7,008 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 0.0123% | 7,018 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0801% | 6,186 |
| Return on assets (ROA) | 0.0801% | 6,273 |
| Pretax return on assets | 0.1109% | 6,241 |
| Return on Equity (ROE) | 0.0987% | 6,405 |
| Retained earnings to average equity (ytd only) | 0.0987% | 5,745 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.0000% | 7,006 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.7524% | 6,977 |
| Net loans and leases to deposits | 100.2000% | 343 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.7509% | 7,013 |
| Equity capital to assets | 79.1022% | 27 |
| Core capital (leverage) ratio | 81.5315% | 17 |
| Tier 1 risk-based capital ratio | 404.6324% | 12 |
| Total risk-based capital ratio | 404.6324% | 12 |
| Memoranda: | ||
| Average total assets | $64,941,000 | 5,778 |
| Average earning assets | $60,025,000 | 5,748 |
| Average equity | $52,664,500 | 1,380 |
| Average total loans | $507,000 | 6,977 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3761% | 7,064 |
| Cost of funding earning assets | 0.0017% | 7,069 |
| Net interest margin | 0.3744% | 7,060 |
| Noninterest income to average assets | 0.3030% | 5,284 |
| Noninterest expense to average assets | 0.3062% | 7,061 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.7559% | 3,484 |
| Return on assets (ROA) | 0.7559% | 3,725 |
| Pretax return on assets | 0.3488% | 5,722 |
| Return on Equity (ROE) | 0.9155% | 6,149 |
| Retained earnings to average equity (ytd only) | 0.9155% | 5,413 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.7470% | 6,762 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.8105% | 7,040 |
| Net loans and leases to deposits | 91.4439% | 954 |
| Net loans and leases to core deposits | 840.9836% | 25 |
| Total domestic deposits to total assets | 0.8863% | 7,075 |
| Equity capital to assets | 83.1933% | 23 |
| Core capital (leverage) ratio | 82.5322% | 19 |
| Tier 1 risk-based capital ratio | 425.9667% | 13 |
| Total risk-based capital ratio | 425.9667% | 13 |
| Memoranda: | ||
| Average total assets | $63,364,000 | 5,843 |
| Average earning assets | $59,557,000 | 5,764 |
| Average equity | $52,319,000 | 1,362 |
| Average total loans | $661,800 | 7,044 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3432% | 7,170 |
| Cost of funding earning assets | 0.0000% | 7,171 |
| Net interest margin | 0.3432% | 7,170 |
| Noninterest income to average assets | 0.4039% | 4,608 |
| Noninterest expense to average assets | 0.4060% | 7,161 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.2062% | 5,900 |
| Return on assets (ROA) | 0.2062% | 6,069 |
| Pretax return on assets | 0.3197% | 5,919 |
| Return on Equity (ROE) | 0.2501% | 6,374 |
| Retained earnings to average equity (ytd only) | 0.2501% | 6,004 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9420% | 6,060 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.8523% | 7,139 |
| Net loans and leases to deposits | 102.6718% | 321 |
| Net loans and leases to core deposits | 2,241.6667% | 17 |
| Total domestic deposits to total assets | 0.8301% | 7,176 |
| Equity capital to assets | 82.8177% | 19 |
| Core capital (leverage) ratio | 83.5123% | 17 |
| Tier 1 risk-based capital ratio | 405.4995% | 14 |
| Total risk-based capital ratio | 405.4995% | 14 |
| Memoranda: | ||
| Average total assets | $63,381,000 | 5,896 |
| Average earning assets | $59,441,250 | 5,831 |
| Average equity | $52,234,250 | 1,368 |
| Average total loans | $699,000 | 7,141 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4386% | 7,229 |
| Cost of funding earning assets | 0.0000% | 7,233 |
| Net interest margin | 0.4386% | 7,227 |
| Noninterest income to average assets | 0.1040% | 6,657 |
| Noninterest expense to average assets | 0.1103% | 7,243 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.2647% | 5,720 |
| Return on assets (ROA) | 0.2647% | 5,911 |
| Pretax return on assets | 0.4097% | 5,691 |
| Return on Equity (ROE) | 0.3217% | 6,419 |
| Retained earnings to average equity (ytd only) | 0.3217% | 5,936 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.2121% | 7,209 |
| Assets per employee ($millions) | NA | NA |
| 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 | 1.2346% | 7,204 |
| Net loans and leases to deposits | 150.7722% | 17 |
| Net loans and leases to core deposits | 4,338.8889% | 13 |
| Total domestic deposits to total assets | 0.8188% | 7,243 |
| Equity capital to assets | 82.6149% | 20 |
| Core capital (leverage) ratio | 83.7655% | 13 |
| Tier 1 risk-based capital ratio | 415.9411% | 9 |
| Total risk-based capital ratio | 415.9411% | 9 |
| Memoranda: | ||
| Average total assets | $63,467,000 | 5,931 |
| Average earning assets | $60,192,000 | 5,836 |
| Average equity | $52,220,000 | 1,366 |
| Average total loans | $752,670 | 7,203 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4122% | 7,293 |
| Cost of funding earning assets | 0.0000% | 7,293 |
| Net interest margin | 0.4122% | 7,290 |
| Noninterest income to average assets | 0.1321% | 6,586 |
| Noninterest expense to average assets | 0.1447% | 7,305 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2454% | 5,842 |
| Return on assets (ROA) | 0.2454% | 5,987 |
| Pretax return on assets | 0.3775% | 5,790 |
| Return on Equity (ROE) | 0.2989% | 6,475 |
| Retained earnings to average equity (ytd only) | 0.2989% | 5,888 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7108% | 7,244 |
| Assets per employee ($millions) | NA | NA |
| 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 | 1.4091% | 7,266 |
| Net loans and leases to deposits | 176.8317% | 15 |
| Net loans and leases to core deposits | 17,860.0000% | 8 |
| Total domestic deposits to total assets | 0.7968% | 7,303 |
| Equity capital to assets | 82.3940% | 19 |
| Core capital (leverage) ratio | 82.9384% | 14 |
| Tier 1 risk-based capital ratio | 411.9113% | 9 |
| Total risk-based capital ratio | 411.9113% | 9 |
| Memoranda: | ||
| Average total assets | $63,570,000 | 5,968 |
| Average earning assets | $60,168,000 | 5,869 |
| Average equity | $52,198,500 | 1,355 |
| Average total loans | $738,500 | 7,266 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1817% | 7,352 |
| Cost of funding earning assets | 0.0000% | 7,346 |
| Net interest margin | 0.1817% | 7,351 |
| Noninterest income to average assets | 0.1500% | 6,397 |
| Noninterest expense to average assets | 0.1606% | 7,354 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1327% | 5,780 |
| Return on assets (ROA) | 0.1327% | 5,911 |
| Pretax return on assets | 0.1354% | 5,910 |
| Return on Equity (ROE) | 0.1919% | 6,121 |
| Retained earnings to average equity (ytd only) | 0.1919% | 5,750 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2601% | 6,483 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.9159% | 7,315 |
| Net loans and leases to deposits | 104.4723% | 298 |
| Net loans and leases to core deposits | 989.8305% | 26 |
| Total domestic deposits to total assets | 0.8767% | 7,352 |
| Equity capital to assets | 81.8314% | 16 |
| Core capital (leverage) ratio | 78.8870% | 17 |
| Tier 1 risk-based capital ratio | 416.9317% | 8 |
| Total risk-based capital ratio | 416.9317% | 8 |
| Memoranda: | ||
| Average total assets | $75,338,400 | 5,593 |
| Average earning assets | $60,537,400 | 5,849 |
| Average equity | $52,117,800 | 1,310 |
| Average total loans | $1,156,800 | 7,314 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2132% | 7,428 |
| Cost of funding earning assets | 0.0000% | 7,423 |
| Net interest margin | 0.2132% | 7,426 |
| Noninterest income to average assets | 0.0767% | 6,856 |
| Noninterest expense to average assets | 0.0954% | 7,432 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0937% | 5,975 |
| Return on assets (ROA) | 0.0937% | 6,093 |
| Pretax return on assets | 0.1466% | 6,011 |
| Return on Equity (ROE) | 0.1407% | 6,231 |
| Retained earnings to average equity (ytd only) | 0.1407% | 5,916 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.4366% | 7,271 |
| Assets per employee ($millions) | NA | NA |
| 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 | 1.4666% | 7,391 |
| Net loans and leases to deposits | 2.5840% | 7,393 |
| Net loans and leases to core deposits | 2.6028% | 7,380 |
| Total domestic deposits to total assets | 56.7582% | 7,330 |
| Equity capital to assets | 42.7636% | 48 |
| Core capital (leverage) ratio | 81.1298% | 19 |
| Tier 1 risk-based capital ratio | 207.6969% | 28 |
| Total risk-based capital ratio | 207.6969% | 28 |
| Memoranda: | ||
| Average total assets | $78,232,000 | 5,547 |
| Average earning assets | $60,670,250 | 5,882 |
| Average equity | $52,102,500 | 1,303 |
| Average total loans | $1,300,000 | 7,390 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1256% | 7,507 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 0.1256% | 7,504 |
| Noninterest income to average assets | 0.0722% | 6,951 |
| Noninterest expense to average assets | 0.0691% | 7,509 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0785% | 6,060 |
| Return on assets (ROA) | 0.0785% | 6,142 |
| Pretax return on assets | 0.1225% | 6,064 |
| Return on Equity (ROE) | 0.0960% | 6,283 |
| Retained earnings to average equity (ytd only) | 0.0960% | 5,797 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0656% | 7,385 |
| Assets per employee ($millions) | NA | NA |
| 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 | 1.7520% | 7,465 |
| Net loans and leases to deposits | 206.5666% | 19 |
| Net loans and leases to core deposits | 3,336.3636% | 20 |
| Total domestic deposits to total assets | 0.8481% | 7,508 |
| Equity capital to assets | 82.9114% | 20 |
| Core capital (leverage) ratio | 70.3519% | 33 |
| Tier 1 risk-based capital ratio | 408.9796% | 13 |
| Total risk-based capital ratio | 408.9796% | 13 |
| Memoranda: | ||
| Average total assets | $63,672,000 | 6,023 |
| Average earning assets | $60,496,670 | 5,941 |
| Average equity | $52,092,000 | 1,290 |
| Average total loans | $1,137,330 | 7,465 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1521% | 7,570 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 0.1521% | 7,564 |
| Noninterest income to average assets | 0.0562% | 7,112 |
| Noninterest expense to average assets | 0.0562% | 7,571 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.0874% | 6,130 |
| Return on assets (ROA) | 0.0874% | 6,180 |
| Pretax return on assets | 0.1436% | 6,067 |
| Return on Equity (ROE) | 0.1075% | 6,359 |
| Retained earnings to average equity (ytd only) | 0.1075% | 5,752 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.1250% | 7,502 |
| Assets per employee ($millions) | NA | NA |
| 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 | 1.2782% | 7,526 |
| Net loans and leases to deposits | 160.8782% | 27 |
| Net loans and leases to core deposits | 80,600.0000% | 3 |
| Total domestic deposits to total assets | 0.7945% | 7,571 |
| Equity capital to assets | 82.6126% | 21 |
| Core capital (leverage) ratio | 83.5145% | 18 |
| Tier 1 risk-based capital ratio | 415.1829% | 9 |
| Total risk-based capital ratio | 415.1829% | 9 |
| Memoranda: | ||
| Average total assets | $64,086,500 | 6,059 |
| Average earning assets | $60,499,000 | 5,979 |
| Average equity | $52,086,000 | 1,283 |
| Average total loans | $1,155,500 | 7,525 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4031% | 7,626 |
| Cost of funding earning assets | 0.0000% | 7,641 |
| Net interest margin | 0.4031% | 7,614 |
| Noninterest income to average assets | 0.1938% | 6,384 |
| Noninterest expense to average assets | 0.1402% | 7,642 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4128% | 4,488 |
| Return on assets (ROA) | 0.4128% | 4,625 |
| Pretax return on assets | 0.4396% | 4,825 |
| Return on Equity (ROE) | 0.5047% | 5,831 |
| Retained earnings to average equity (ytd only) | 0.5047% | 5,328 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.1848% | 7,610 |
| Assets per employee ($millions) | NA | NA |
| 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 | 2.3113% | 7,607 |
| Net loans and leases to deposits | 296.8442% | 14 |
| Net loans and leases to core deposits | 21,500.0000% | 11 |
| Total domestic deposits to total assets | 0.7786% | 7,652 |
| Equity capital to assets | 79.9788% | 29 |
| Core capital (leverage) ratio | 65.8394% | 35 |
| Tier 1 risk-based capital ratio | 385.2567% | 16 |
| Total risk-based capital ratio | 385.2567% | 16 |
| Memoranda: | ||
| Average total assets | $63,463,000 | 6,077 |
| Average earning assets | $60,771,800 | 5,969 |
| Average equity | $51,912,600 | 1,285 |
| Average total loans | $858,000 | 7,609 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3665% | 7,744 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 0.3665% | 7,734 |
| Noninterest income to average assets | 0.2136% | 6,382 |
| Noninterest expense to average assets | 0.1565% | 7,753 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.2707% | 5,276 |
| Return on assets (ROA) | 0.2707% | 5,440 |
| Pretax return on assets | 0.4102% | 5,189 |
| Return on Equity (ROE) | 0.3290% | 6,045 |
| Retained earnings to average equity (ytd only) | 0.3290% | 5,655 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.6119% | 7,696 |
| Assets per employee ($millions) | NA | NA |
| 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 | 0.7977% | 7,711 |
| Net loans and leases to deposits | 53.3049% | 6,815 |
| Net loans and leases to core deposits | 114.1553% | 824 |
| Total domestic deposits to total assets | 1.4965% | 7,751 |
| Equity capital to assets | 82.8746% | 23 |
| Core capital (leverage) ratio | 82.9210% | 23 |
| Tier 1 risk-based capital ratio | 424.8732% | 14 |
| Total risk-based capital ratio | 424.8732% | 14 |
| Memoranda: | ||
| Average total assets | $63,049,750 | 6,158 |
| Average earning assets | $60,760,500 | 6,033 |
| Average equity | $51,871,000 | 1,293 |
| Average total loans | $696,250 | 7,713 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3046% | 7,815 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 0.3046% | 7,805 |
| Noninterest income to average assets | 0.1425% | 6,872 |
| Noninterest expense to average assets | 0.2058% | 7,820 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1583% | 5,696 |
| Return on assets (ROA) | 0.1583% | 5,815 |
| Pretax return on assets | 0.2311% | 5,702 |
| Return on Equity (ROE) | 0.1929% | 6,151 |
| Retained earnings to average equity (ytd only) | 0.1929% | 5,671 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1014% | 7,391 |
| Assets per employee ($millions) | NA | NA |
| 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 | 1.2943% | 7,780 |
| Net loans and leases to deposits | 152.4621% | 36 |
| Net loans and leases to core deposits | 2,875.0000% | 21 |
| Total domestic deposits to total assets | 0.8489% | 7,826 |
| Equity capital to assets | 83.3928% | 24 |
| Core capital (leverage) ratio | 83.1535% | 21 |
| Tier 1 risk-based capital ratio | 418.7889% | 12 |
| Total risk-based capital ratio | 418.7889% | 12 |
| Memoranda: | ||
| Average total assets | $63,173,330 | 6,202 |
| Average earning assets | $61,066,670 | 6,061 |
| Average equity | $51,846,330 | 1,284 |
| Average total loans | $761,670 | 7,780 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4225% | 7,918 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 0.4225% | 7,903 |
| Noninterest income to average assets | 0.0817% | 7,296 |
| Noninterest expense to average assets | 0.1382% | 7,927 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2388% | 5,552 |
| Return on assets (ROA) | 0.2388% | 5,663 |
| Pretax return on assets | 0.3519% | 5,452 |
| Return on Equity (ROE) | 0.2932% | 6,334 |
| Retained earnings to average equity (ytd only) | 0.2932% | 5,718 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.2051% | 7,859 |
| Assets per employee ($millions) | NA | NA |
| 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 | 1.1427% | 7,882 |
| Net loans and leases to deposits | 140.9091% | 56 |
| Net loans and leases to core deposits | 2,657.1429% | 27 |
| Total domestic deposits to total assets | 0.8109% | 7,928 |
| Equity capital to assets | 79.6434% | 28 |
| Core capital (leverage) ratio | 80.5102% | 23 |
| Tier 1 risk-based capital ratio | 401.7276% | 13 |
| Total risk-based capital ratio | 401.7276% | 13 |
| Memoranda: | ||
| Average total assets | $63,662,000 | 6,252 |
| Average earning assets | $61,544,000 | 6,108 |
| Average equity | $51,836,000 | 1,292 |
| Average total loans | $740,000 | 7,884 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2374% | 8,000 |
| Cost of funding earning assets | 0.0017% | 7,999 |
| Net interest margin | 0.2357% | 7,987 |
| Noninterest income to average assets | 0.2649% | 6,215 |
| Noninterest expense to average assets | 0.3090% | 7,996 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.3532% | 4,311 |
| Return on assets (ROA) | 0.3532% | 4,407 |
| Pretax return on assets | 0.1782% | 5,053 |
| Return on Equity (ROE) | 0.4336% | 5,409 |
| Retained earnings to average equity (ytd only) | 0.4336% | 4,664 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4304% | 5,886 |
| Assets per employee ($millions) | NA | NA |
| 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 | 1.1830% | 7,958 |
| Net loans and leases to deposits | 121.8543% | 154 |
| Net loans and leases to core deposits | 707.6923% | 19 |
| Total domestic deposits to total assets | 0.9708% | 8,003 |
| Equity capital to assets | 83.2870% | 24 |
| Core capital (leverage) ratio | 82.5111% | 22 |
| Tier 1 risk-based capital ratio | 420.4901% | 10 |
| Total risk-based capital ratio | 420.4901% | 10 |
| Memoranda: | ||
| Average total assets | $63,423,800 | 6,223 |
| Average earning assets | $59,821,600 | 6,130 |
| Average equity | $51,662,600 | 1,292 |
| Average total loans | $1,192,400 | 7,956 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2766% | 8,084 |
| Cost of funding earning assets | 0.0022% | 8,083 |
| Net interest margin | 0.2743% | 8,070 |
| Noninterest income to average assets | 0.0377% | 7,700 |
| Noninterest expense to average assets | 0.0837% | 8,095 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.1402% | 5,353 |
| Return on assets (ROA) | 0.1402% | 5,419 |
| Pretax return on assets | 0.2113% | 5,270 |
| Return on Equity (ROE) | 0.1730% | 5,721 |
| Retained earnings to average equity (ytd only) | 0.1730% | 5,128 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.3688% | 8,017 |
| Assets per employee ($millions) | NA | NA |
| 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 | 1.9508% | 8,041 |
| Net loans and leases to deposits | 169.4444% | 41 |
| Net loans and leases to core deposits | 554.5455% | 21 |
| Total domestic deposits to total assets | 1.1513% | 8,089 |
| Equity capital to assets | 82.6031% | 27 |
| Core capital (leverage) ratio | 83.7549% | 22 |
| Tier 1 risk-based capital ratio | 404.3836% | 14 |
| Total risk-based capital ratio | 404.3836% | 14 |
| Memoranda: | ||
| Average total assets | $63,726,000 | 6,255 |
| Average earning assets | $59,780,250 | 6,176 |
| Average equity | $51,624,000 | 1,311 |
| Average total loans | $1,306,500 | 8,038 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1813% | 8,188 |
| Cost of funding earning assets | 0.0000% | 8,178 |
| Net interest margin | 0.1813% | 8,170 |
| Noninterest income to average assets | 0.0437% | 7,767 |
| Noninterest expense to average assets | 0.0593% | 8,190 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.1154% | 5,517 |
| Return on assets (ROA) | 0.1154% | 5,614 |
| Pretax return on assets | 0.1528% | 5,560 |
| Return on Equity (ROE) | 0.1434% | 5,874 |
| Retained earnings to average equity (ytd only) | 0.1434% | 5,149 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.9412% | 8,115 |
| Assets per employee ($millions) | NA | NA |
| 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 | 3.1208% | 8,129 |
| Net loans and leases to deposits | 384.4358% | 21 |
| Net loans and leases to core deposits | 14,114.2857% | 7 |
| Total domestic deposits to total assets | 0.8118% | 8,188 |
| Equity capital to assets | 81.5408% | 28 |
| Core capital (leverage) ratio | 80.9425% | 26 |
| Tier 1 risk-based capital ratio | 381.4273% | 14 |
| Total risk-based capital ratio | 381.4273% | 14 |
| Memoranda: | ||
| Average total assets | $64,121,330 | 6,297 |
| Average earning assets | $59,559,000 | 6,248 |
| Average equity | $51,612,000 | 1,320 |
| Average total loans | $1,335,330 | 8,128 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1795% | 8,244 |
| Cost of funding earning assets | 0.0000% | 8,229 |
| Net interest margin | 0.1795% | 8,223 |
| Noninterest income to average assets | 0.0744% | 7,678 |
| Noninterest expense to average assets | 0.0558% | 8,244 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1240% | 5,904 |
| Return on assets (ROA) | 0.1240% | 6,071 |
| Pretax return on assets | 0.1860% | 5,976 |
| Return on Equity (ROE) | 0.1550% | 6,374 |
| Retained earnings to average equity (ytd only) | 0.1550% | 5,596 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.0769% | 8,182 |
| Assets per employee ($millions) | NA | NA |
| 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 | 1.6006% | 8,186 |
| Net loans and leases to deposits | 194.7471% | 35 |
| Net loans and leases to core deposits | 7,150.0000% | 10 |
| Total domestic deposits to total assets | 0.8219% | 8,239 |
| Equity capital to assets | 82.5306% | 28 |
| Core capital (leverage) ratio | 79.0229% | 31 |
| Tier 1 risk-based capital ratio | 409.6595% | 10 |
| Total risk-based capital ratio | 409.6595% | 10 |
| Memoranda: | ||
| Average total assets | $64,523,000 | 6,311 |
| Average earning assets | $60,155,500 | 6,255 |
| Average equity | $51,603,000 | 1,326 |
| Average total loans | $1,015,000 | 8,183 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2783% | 8,207 |
| Cost of funding earning assets | 0.0273% | 8,281 |
| Net interest margin | 2.2510% | 7,936 |
| Noninterest income to average assets | 0.2931% | 6,365 |
| Noninterest expense to average assets | 0.0799% | 8,294 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.3869% | 1,257 |
| Return on assets (ROA) | 1.3869% | 1,207 |
| Pretax return on assets | 2.1501% | 440 |
| Return on Equity (ROE) | 1.7278% | 5,698 |
| Retained earnings to average equity (ytd only) | 1.7278% | 4,177 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.5840% | 8,285 |
| Assets per employee ($millions) | NA | NA |
| 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 | 1.5472% | 8,240 |
| Net loans and leases to deposits | 195.2562% | 43 |
| Net loans and leases to core deposits | 3,811.1111% | 12 |
| Total domestic deposits to total assets | 0.7924% | 8,295 |
| Equity capital to assets | 77.5741% | 39 |
| Core capital (leverage) ratio | 75.9033% | 39 |
| Tier 1 risk-based capital ratio | 382.2836% | 19 |
| Total risk-based capital ratio | 382.2836% | 19 |
| Memoranda: | ||
| Average total assets | $63,811,200 | 6,239 |
| Average earning assets | $54,909,200 | 6,374 |
| Average equity | $51,222,000 | 1,316 |
| Average total loans | $1,285,600 | 8,240 |