Home > MassMutual Private Wealth & Trust, FSB > Performance and Condition Ratios
MassMutual Private Wealth & Trust, FSB, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5746% | 3,787 |
| Cost of funding earning assets | 2.5078% | 856 |
| Net interest margin | 2.0668% | 4,271 |
| Noninterest income to average assets | 64.1100% | 45 |
| Noninterest expense to average assets | 55.6347% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 7.8840% | 49 |
| Return on assets (ROA) | 7.6703% | 51 |
| Pretax return on assets | 9.9552% | 51 |
| Return on Equity (ROE) | 24.2900% | 212 |
| Retained earnings to average equity (ytd only) | 24.2935% | 80 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 84.4738% | 712 |
| Assets per employee ($millions) | 2.0866% | 4,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,373 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,354 |
| Net loans and leases to deposits | 0.0000% | 4,363 |
| Net loans and leases to core deposits | 0.0000% | 4,352 |
| Total domestic deposits to total assets | 56.2800% | 4,320 |
| Equity capital to assets | 32.5194% | 156 |
| Core capital (leverage) ratio | 34.4657% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.3669% | 94 |
| Memoranda: | ||
| Average total assets | $88,757,500 | 3,869 |
| Average earning assets | $75,286,000 | 3,921 |
| Average equity | $28,024,000 | 2,529 |
| Average total loans | $0 | 4,354 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4371% | 3,938 |
| Cost of funding earning assets | 2.1342% | 1,893 |
| Net interest margin | 2.3029% | 4,078 |
| Noninterest income to average assets | 61.0800% | 46 |
| Noninterest expense to average assets | 54.0422% | 39 |
| Loan and lease loss provision to assets | -0.0100% | 4,079 |
| Net operating income to assets | 6.8427% | 57 |
| Return on assets (ROA) | 6.8587% | 58 |
| Pretax return on assets | 8.9127% | 56 |
| Return on Equity (ROE) | 22.9600% | 256 |
| Retained earnings to average equity (ytd only) | 4.0600% | 2,609 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 85.8781% | 689 |
| Assets per employee ($millions) | 2.2510% | 4,340 |
| Cash dividends to net income (ytd only)* | 82.3181% | 523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,378 |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0000% | 4,400 |
| Total domestic deposits to total assets | 57.5200% | 4,339 |
| Equity capital to assets | 30.6071% | 160 |
| Core capital (leverage) ratio | 33.4888% | 107 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 52.9649% | 105 |
| Memoranda: | ||
| Average total assets | $88,558,600 | 3,880 |
| Average earning assets | $71,127,400 | 3,961 |
| Average equity | $26,453,000 | 2,551 |
| Average total loans | $0 | 4,379 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 3,979 |
| Cost of funding earning assets | 2.0336% | 2,125 |
| Net interest margin | 2.3483% | 4,045 |
| Noninterest income to average assets | 59.8700% | 45 |
| Noninterest expense to average assets | 52.9440% | 42 |
| Loan and lease loss provision to assets | -0.0100% | 4,132 |
| Net operating income to assets | 6.7780% | 53 |
| Return on assets (ROA) | 6.7994% | 56 |
| Pretax return on assets | 8.8335% | 58 |
| Return on Equity (ROE) | 22.9000% | 273 |
| Retained earnings to average equity (ytd only) | -2.3985% | 4,230 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 85.7490% | 720 |
| Assets per employee ($millions) | 2.2539% | 4,372 |
| Cash dividends to net income (ytd only)* | 110.4728% | 176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,432 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 0.0000% | 4,409 |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 57.4500% | 4,373 |
| Equity capital to assets | 29.9086% | 154 |
| Core capital (leverage) ratio | 30.7794% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.6827% | 112 |
| Memoranda: | ||
| Average total assets | $88,750,750 | 3,891 |
| Average earning assets | $70,743,000 | 3,986 |
| Average equity | $26,348,750 | 2,551 |
| Average total loans | $0 | 4,410 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2510% | 4,082 |
| Cost of funding earning assets | 1.9199% | 2,304 |
| Net interest margin | 2.3311% | 4,057 |
| Noninterest income to average assets | 57.7800% | 48 |
| Noninterest expense to average assets | 53.1819% | 42 |
| Loan and lease loss provision to assets | 0.0100% | 2,670 |
| Net operating income to assets | 4.9280% | 74 |
| Return on assets (ROA) | 4.9599% | 74 |
| Pretax return on assets | 6.4335% | 73 |
| Return on Equity (ROE) | 16.7500% | 739 |
| Retained earnings to average equity (ytd only) | 16.7474% | 207 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 89.2554% | 597 |
| Assets per employee ($millions) | 2.3843% | 4,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,450 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,430 |
| Net loans and leases to deposits | 0.0000% | 4,441 |
| Net loans and leases to core deposits | 0.0000% | 4,455 |
| Total domestic deposits to total assets | 55.7400% | 4,392 |
| Equity capital to assets | 30.3853% | 155 |
| Core capital (leverage) ratio | 33.3875% | 104 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.1718% | 109 |
| Memoranda: | ||
| Average total assets | $89,034,000 | 3,904 |
| Average earning assets | $69,066,667 | 4,018 |
| Average equity | $26,368,333 | 2,525 |
| Average total loans | $0 | 4,430 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2007% | 4,067 |
| Cost of funding earning assets | 1.9094% | 2,227 |
| Net interest margin | 2.2913% | 4,109 |
| Noninterest income to average assets | 57.2200% | 44 |
| Noninterest expense to average assets | 53.6207% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 4.0953% | 97 |
| Return on assets (ROA) | 4.0703% | 98 |
| Pretax return on assets | 5.2805% | 86 |
| Return on Equity (ROE) | 13.9300% | 1,161 |
| Retained earnings to average equity (ytd only) | 13.9292% | 509 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 90.9860% | 551 |
| Assets per employee ($millions) | 2.1392% | 4,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,440 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | 0.0000% | 4,457 |
| Net loans and leases to core deposits | 0.0000% | 4,479 |
| Total domestic deposits to total assets | 57.5800% | 4,437 |
| Equity capital to assets | 29.8976% | 156 |
| Core capital (leverage) ratio | 31.9920% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.4051% | 114 |
| Memoranda: | ||
| Average total assets | $88,249,500 | 3,930 |
| Average earning assets | $65,989,000 | 4,076 |
| Average equity | $25,787,500 | 2,561 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0369% | 3,905 |
| Cost of funding earning assets | 1.0571% | 3,177 |
| Net interest margin | 2.9798% | 3,330 |
| Noninterest income to average assets | 53.2700% | 47 |
| Noninterest expense to average assets | 50.0933% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 4.2079% | 93 |
| Return on assets (ROA) | 4.2732% | 93 |
| Pretax return on assets | 5.5153% | 85 |
| Return on Equity (ROE) | 14.4100% | 1,399 |
| Retained earnings to average equity (ytd only) | -2.7729% | 4,316 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 90.2160% | 405 |
| Assets per employee ($millions) | 2.7748% | 4,411 |
| Cash dividends to net income (ytd only)* | 119.2369% | 168 |
| 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 | 56.8700% | 4,454 |
| Equity capital to assets | 28.5529% | 163 |
| Core capital (leverage) ratio | 31.0369% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.2427% | 118 |
| Memoranda: | ||
| Average total assets | $88,317,200 | 3,930 |
| Average earning assets | $66,784,000 | 4,070 |
| Average equity | $26,181,800 | 2,452 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9126% | 3,983 |
| Cost of funding earning assets | 0.9155% | 3,235 |
| Net interest margin | 2.9971% | 3,350 |
| Noninterest income to average assets | 52.7800% | 46 |
| Noninterest expense to average assets | 47.4555% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 5.6941% | 66 |
| Return on assets (ROA) | 5.8004% | 63 |
| Pretax return on assets | 7.7339% | 61 |
| Return on Equity (ROE) | 19.3900% | 783 |
| Retained earnings to average equity (ytd only) | 6.7552% | 2,373 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 86.1968% | 505 |
| Assets per employee ($millions) | 2.7391% | 4,429 |
| Cash dividends to net income (ytd only)* | 65.1551% | 789 |
| 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 | 57.6100% | 4,473 |
| Equity capital to assets | 29.7985% | 163 |
| Core capital (leverage) ratio | 33.5787% | 111 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.2417% | 115 |
| Memoranda: | ||
| Average total assets | $88,198,250 | 3,943 |
| Average earning assets | $66,995,750 | 4,090 |
| Average equity | $26,389,000 | 2,428 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 4,129 |
| Cost of funding earning assets | 0.7412% | 3,373 |
| Net interest margin | 2.9706% | 3,508 |
| Noninterest income to average assets | 51.7500% | 44 |
| Noninterest expense to average assets | 47.0806% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 5.2038% | 67 |
| Return on assets (ROA) | 5.3790% | 63 |
| Pretax return on assets | 7.1713% | 58 |
| Return on Equity (ROE) | 17.9500% | 963 |
| Retained earnings to average equity (ytd only) | 17.9539% | 343 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 87.1377% | 455 |
| Assets per employee ($millions) | 2.7580% | 4,464 |
| 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 | 57.2200% | 4,497 |
| Equity capital to assets | 31.2655% | 155 |
| Core capital (leverage) ratio | 35.2670% | 102 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 48.1393% | 111 |
| Memoranda: | ||
| Average total assets | $88,380,333 | 3,956 |
| Average earning assets | $67,730,667 | 4,099 |
| Average equity | $26,479,000 | 2,436 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5015% | 4,263 |
| Cost of funding earning assets | 0.4171% | 3,918 |
| Net interest margin | 3.0844% | 3,383 |
| Noninterest income to average assets | 50.9900% | 46 |
| Noninterest expense to average assets | 45.0465% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 6.2255% | 62 |
| Return on assets (ROA) | 6.5399% | 61 |
| Pretax return on assets | 8.7198% | 55 |
| Return on Equity (ROE) | 22.3100% | 559 |
| Retained earnings to average equity (ytd only) | 22.3135% | 275 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.4068% | 573 |
| Assets per employee ($millions) | 2.7860% | 4,524 |
| 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 | 56.6500% | 4,551 |
| Equity capital to assets | 30.2408% | 120 |
| Core capital (leverage) ratio | 34.1542% | 112 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.0711% | 128 |
| Memoranda: | ||
| Average total assets | $88,442,000 | 4,013 |
| Average earning assets | $68,085,000 | 4,149 |
| Average equity | $25,921,500 | 2,488 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5310% | 4,492 |
| Cost of funding earning assets | 0.3056% | 2,829 |
| Net interest margin | 2.2254% | 4,465 |
| Noninterest income to average assets | 49.0600% | 49 |
| Noninterest expense to average assets | 43.9972% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 5.1230% | 64 |
| Return on assets (ROA) | 5.0955% | 63 |
| Pretax return on assets | 6.6487% | 63 |
| Return on Equity (ROE) | 17.6200% | 766 |
| Retained earnings to average equity (ytd only) | -1.7553% | 4,471 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 86.8126% | 395 |
| Assets per employee ($millions) | 2.7417% | 4,559 |
| Cash dividends to net income (ytd only)* | 109.9626% | 151 |
| 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 | 57.5600% | 4,588 |
| Equity capital to assets | 28.3622% | 123 |
| Core capital (leverage) ratio | 32.2245% | 117 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.4663% | 131 |
| Memoranda: | ||
| Average total assets | $89,235,200 | 4,023 |
| Average earning assets | $65,111,400 | 4,205 |
| Average equity | $25,807,200 | 2,545 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3175% | 4,527 |
| Cost of funding earning assets | 0.2270% | 2,962 |
| Net interest margin | 2.0905% | 4,523 |
| Noninterest income to average assets | 48.8900% | 48 |
| Noninterest expense to average assets | 43.8880% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 4.9108% | 70 |
| Return on assets (ROA) | 4.3654% | 70 |
| Pretax return on assets | 5.8206% | 66 |
| Return on Equity (ROE) | 15.0200% | 1,171 |
| Retained earnings to average equity (ytd only) | -10.5790% | 4,679 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 87.0812% | 416 |
| Assets per employee ($millions) | 2.7054% | 4,599 |
| Cash dividends to net income (ytd only)* | 170.4158% | 65 |
| 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 | 58.3300% | 4,627 |
| Equity capital to assets | 26.6365% | 127 |
| Core capital (leverage) ratio | 31.1341% | 116 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.1472% | 147 |
| Memoranda: | ||
| Average total assets | $89,610,750 | 4,050 |
| Average earning assets | $64,607,750 | 4,241 |
| Average equity | $26,038,250 | 2,571 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1638% | 4,579 |
| Cost of funding earning assets | 0.1766% | 3,223 |
| Net interest margin | 1.9873% | 4,565 |
| Noninterest income to average assets | 48.9101% | 20 |
| Noninterest expense to average assets | 43.8695% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 4.9050% | 31 |
| Return on assets (ROA) | 4.4028% | 33 |
| Pretax return on assets | 5.8705% | 32 |
| Return on Equity (ROE) | 14.7608% | 944 |
| Retained earnings to average equity (ytd only) | -22.2337% | 4,731 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0849% | 532 |
| Assets per employee ($millions) | 2.6920% | 4,656 |
| Cash dividends to net income (ytd only)* | 250.6266% | 52 |
| 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 | 58.6235% | 4,697 |
| Equity capital to assets | 27.4265% | 75 |
| Core capital (leverage) ratio | 26.9425% | 89 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.4708% | 126 |
| Memoranda: | ||
| Average total assets | $90,623,333 | 4,075 |
| Average earning assets | $66,826,000 | 4,278 |
| Average equity | $27,031,000 | 2,579 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6998% | 4,683 |
| Cost of funding earning assets | 0.2044% | 2,739 |
| Net interest margin | 1.4953% | 4,698 |
| Noninterest income to average assets | 49.0268% | 21 |
| Noninterest expense to average assets | 44.1508% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 4.4840% | 45 |
| Return on assets (ROA) | 4.4840% | 43 |
| Pretax return on assets | 5.9787% | 38 |
| Return on Equity (ROE) | 14.4918% | 732 |
| Retained earnings to average equity (ytd only) | 14.4918% | 330 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0736% | 633 |
| Assets per employee ($millions) | 2.8699% | 4,666 |
| 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 | 54.9881% | 4,741 |
| Equity capital to assets | 30.9817% | 61 |
| Core capital (leverage) ratio | 33.2195% | 53 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 43.4423% | 95 |
| Memoranda: | ||
| Average total assets | $92,863,500 | 4,071 |
| Average earning assets | $68,480,500 | 4,284 |
| Average equity | $28,733,500 | 2,549 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2855% | 4,765 |
| Cost of funding earning assets | 0.5099% | 889 |
| Net interest margin | 0.7756% | 4,794 |
| Noninterest income to average assets | 46.9060% | 24 |
| Noninterest expense to average assets | 41.7378% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 3.8690% | 62 |
| Return on assets (ROA) | 3.8690% | 65 |
| Pretax return on assets | 5.7613% | 48 |
| Return on Equity (ROE) | 12.8466% | 1,507 |
| Retained earnings to average equity (ytd only) | 12.8466% | 415 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8708% | 395 |
| Assets per employee ($millions) | 2.9340% | 4,698 |
| 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 | 53.7869% | 4,787 |
| Equity capital to assets | 30.9024% | 57 |
| Core capital (leverage) ratio | 32.5973% | 55 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.8352% | 102 |
| Memoranda: | ||
| Average total assets | $91,056,600 | 4,083 |
| Average earning assets | $69,624,400 | 4,262 |
| Average equity | $27,423,600 | 2,688 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2013% | 4,856 |
| Cost of funding earning assets | 0.5671% | 758 |
| Net interest margin | 0.6342% | 4,886 |
| Noninterest income to average assets | 46.1357% | 24 |
| Noninterest expense to average assets | 41.6200% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.9033% | 70 |
| Return on assets (ROA) | 3.9033% | 71 |
| Pretax return on assets | 5.0042% | 64 |
| Return on Equity (ROE) | 13.0488% | 1,683 |
| Retained earnings to average equity (ytd only) | 13.0488% | 631 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2669% | 344 |
| Assets per employee ($millions) | 2.9204% | 4,766 |
| 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 | 54.0379% | 4,854 |
| Equity capital to assets | 30.4699% | 64 |
| Core capital (leverage) ratio | 32.8682% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.3729% | 122 |
| Memoranda: | ||
| Average total assets | $90,348,500 | 4,143 |
| Average earning assets | $69,588,750 | 4,319 |
| Average equity | $27,026,000 | 2,751 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1553% | 4,897 |
| Cost of funding earning assets | 0.6511% | 570 |
| Net interest margin | 0.5042% | 4,931 |
| Noninterest income to average assets | 44.9651% | 24 |
| Noninterest expense to average assets | 40.6903% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.6411% | 85 |
| Return on assets (ROA) | 3.6411% | 86 |
| Pretax return on assets | 4.6667% | 73 |
| Return on Equity (ROE) | 12.2518% | 1,958 |
| Retained earnings to average equity (ytd only) | 12.2518% | 862 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7112% | 353 |
| Assets per employee ($millions) | 2.8308% | 4,812 |
| 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 | 55.7494% | 4,885 |
| Equity capital to assets | 30.3751% | 64 |
| Core capital (leverage) ratio | 32.1631% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.7795% | 116 |
| Memoranda: | ||
| Average total assets | $89,313,667 | 4,180 |
| Average earning assets | $69,418,000 | 4,347 |
| Average equity | $26,543,000 | 2,780 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0929% | 4,938 |
| Cost of funding earning assets | 0.6997% | 549 |
| Net interest margin | 0.3932% | 4,958 |
| Noninterest income to average assets | 43.2890% | 24 |
| Noninterest expense to average assets | 41.7508% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.4389% | 1,471 |
| Return on assets (ROA) | 1.4389% | 1,545 |
| Pretax return on assets | 1.8449% | 1,205 |
| Return on Equity (ROE) | 4.8970% | 4,111 |
| Retained earnings to average equity (ytd only) | 4.8970% | 3,253 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.7682% | 250 |
| Assets per employee ($millions) | 2.7285% | 4,855 |
| 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 | 57.8392% | 4,896 |
| Equity capital to assets | 30.0936% | 64 |
| Core capital (leverage) ratio | 30.6793% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.7661% | 129 |
| Memoranda: | ||
| Average total assets | $88,678,500 | 4,206 |
| Average earning assets | $69,175,500 | 4,370 |
| Average equity | $26,057,000 | 2,794 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8162% | 4,927 |
| Cost of funding earning assets | 1.0055% | 582 |
| Net interest margin | 0.8107% | 4,971 |
| Noninterest income to average assets | 37.9175% | 26 |
| Noninterest expense to average assets | 33.4453% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 3.9749% | 58 |
| Return on assets (ROA) | 4.0240% | 58 |
| Pretax return on assets | 5.2061% | 52 |
| Return on Equity (ROE) | 12.8110% | 1,089 |
| Retained earnings to average equity (ytd only) | -5.1618% | 4,834 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6698% | 506 |
| Assets per employee ($millions) | 2.9047% | 4,833 |
| Cash dividends to net income (ytd only)* | 140.2918% | 113 |
| 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 | 56.0824% | 4,931 |
| Equity capital to assets | 28.6953% | 72 |
| Core capital (leverage) ratio | 29.3547% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.8226% | 140 |
| Memoranda: | ||
| Average total assets | $88,568,600 | 4,134 |
| Average earning assets | $73,395,600 | 4,245 |
| Average equity | $27,819,800 | 2,611 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8935% | 4,972 |
| Cost of funding earning assets | 1.0448% | 651 |
| Net interest margin | 0.8488% | 5,015 |
| Noninterest income to average assets | 37.1453% | 27 |
| Noninterest expense to average assets | 31.6306% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 4.5955% | 46 |
| Return on assets (ROA) | 4.5955% | 45 |
| Pretax return on assets | 6.2282% | 43 |
| Return on Equity (ROE) | 14.3148% | 819 |
| Retained earnings to average equity (ytd only) | 14.3148% | 235 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5490% | 637 |
| Assets per employee ($millions) | 3.1310% | 4,803 |
| 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 | 55.6180% | 4,956 |
| Equity capital to assets | 33.4391% | 52 |
| Core capital (leverage) ratio | 35.0969% | 52 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.8201% | 112 |
| Memoranda: | ||
| Average total assets | $88,199,250 | 4,144 |
| Average earning assets | $74,146,250 | 4,243 |
| Average equity | $28,315,000 | 2,573 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0315% | 5,014 |
| Cost of funding earning assets | 1.1010% | 712 |
| Net interest margin | 0.9306% | 5,053 |
| Noninterest income to average assets | 36.0459% | 27 |
| Noninterest expense to average assets | 30.6871% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 4.8138% | 38 |
| Return on assets (ROA) | 4.8138% | 37 |
| Pretax return on assets | 6.1466% | 33 |
| Return on Equity (ROE) | 15.2139% | 680 |
| Retained earnings to average equity (ytd only) | 15.2139% | 215 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3126% | 677 |
| Assets per employee ($millions) | 3.2266% | 4,775 |
| 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 | 55.8968% | 4,986 |
| Equity capital to assets | 32.0494% | 54 |
| Core capital (leverage) ratio | 34.7016% | 53 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 44.5076% | 116 |
| Memoranda: | ||
| Average total assets | $87,333,000 | 4,157 |
| Average earning assets | $73,934,667 | 4,248 |
| Average equity | $27,632,667 | 2,609 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2927% | 5,069 |
| Cost of funding earning assets | 1.1463% | 919 |
| Net interest margin | 1.1463% | 5,098 |
| Noninterest income to average assets | 35.7696% | 25 |
| Noninterest expense to average assets | 29.0165% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 6.0587% | 27 |
| Return on assets (ROA) | 6.0587% | 27 |
| Pretax return on assets | 7.7318% | 24 |
| Return on Equity (ROE) | 19.2796% | 196 |
| Retained earnings to average equity (ytd only) | 19.2796% | 71 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9601% | 1,240 |
| Assets per employee ($millions) | 2.8348% | 4,858 |
| 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 | 59.3810% | 5,027 |
| Equity capital to assets | 31.7283% | 62 |
| Core capital (leverage) ratio | 34.3960% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.8513% | 124 |
| Memoranda: | ||
| Average total assets | $85,827,000 | 4,186 |
| Average earning assets | $73,276,500 | 4,271 |
| Average equity | $26,971,500 | 2,642 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6219% | 5,113 |
| Cost of funding earning assets | 1.0572% | 1,491 |
| Net interest margin | 1.5647% | 5,132 |
| Noninterest income to average assets | 35.7460% | 29 |
| Noninterest expense to average assets | 32.5521% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 3.5052% | 59 |
| Return on assets (ROA) | 3.5016% | 63 |
| Pretax return on assets | 4.5027% | 59 |
| Return on Equity (ROE) | 11.0517% | 1,863 |
| Retained earnings to average equity (ytd only) | 1.9929% | 4,004 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8377% | 447 |
| Assets per employee ($millions) | 2.7939% | 4,909 |
| Cash dividends to net income (ytd only)* | 81.9672% | 740 |
| 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 | 58.3074% | 5,096 |
| Equity capital to assets | 31.1280% | 66 |
| Core capital (leverage) ratio | 32.4009% | 64 |
| Tier 1 risk-based capital ratio | 40.9570% | 231 |
| Total risk-based capital ratio | 40.9570% | 244 |
| Memoranda: | ||
| Average total assets | $87,103,400 | 4,184 |
| Average earning assets | $73,114,800 | 4,295 |
| Average equity | $27,597,600 | 2,520 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7142% | 5,193 |
| Cost of funding earning assets | 1.0356% | 1,602 |
| Net interest margin | 1.6786% | 5,213 |
| Noninterest income to average assets | 35.2268% | 29 |
| Noninterest expense to average assets | 31.5110% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 4.0264% | 49 |
| Return on assets (ROA) | 4.0216% | 52 |
| Pretax return on assets | 5.1145% | 45 |
| Return on Equity (ROE) | 12.6379% | 1,400 |
| Retained earnings to average equity (ytd only) | 12.6379% | 314 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0213% | 501 |
| Assets per employee ($millions) | 2.3096% | 5,121 |
| 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 | 56.0650% | 5,181 |
| Equity capital to assets | 32.2590% | 63 |
| Core capital (leverage) ratio | 38.0702% | 55 |
| Tier 1 risk-based capital ratio | 45.0983% | 179 |
| Total risk-based capital ratio | 45.0983% | 185 |
| Memoranda: | ||
| Average total assets | $87,226,750 | 4,236 |
| Average earning assets | $72,997,000 | 4,355 |
| Average equity | $27,757,000 | 2,523 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8119% | 5,243 |
| Cost of funding earning assets | 1.0033% | 1,683 |
| Net interest margin | 1.8086% | 5,258 |
| Noninterest income to average assets | 35.4924% | 28 |
| Noninterest expense to average assets | 31.5725% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 4.2838% | 40 |
| Return on assets (ROA) | 4.2838% | 43 |
| Pretax return on assets | 5.4452% | 43 |
| Return on Equity (ROE) | 13.5267% | 1,094 |
| Retained earnings to average equity (ytd only) | 13.5267% | 257 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2902% | 581 |
| Assets per employee ($millions) | 2.8452% | 4,993 |
| 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 | 57.2556% | 5,227 |
| Equity capital to assets | 31.9804% | 62 |
| Core capital (leverage) ratio | 31.9554% | 62 |
| Tier 1 risk-based capital ratio | 44.1598% | 183 |
| Total risk-based capital ratio | 44.1598% | 192 |
| Memoranda: | ||
| Average total assets | $86,277,670 | 4,277 |
| Average earning assets | $72,761,670 | 4,389 |
| Average equity | $27,323,670 | 2,545 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9409% | 5,286 |
| Cost of funding earning assets | 0.9858% | 1,631 |
| Net interest margin | 1.9551% | 5,316 |
| Noninterest income to average assets | 35.1493% | 27 |
| Noninterest expense to average assets | 30.9766% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 4.5900% | 44 |
| Return on assets (ROA) | 4.5900% | 47 |
| Pretax return on assets | 5.8277% | 46 |
| Return on Equity (ROE) | 14.5674% | 840 |
| Retained earnings to average equity (ytd only) | 14.5674% | 308 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1656% | 698 |
| Assets per employee ($millions) | 2.2378% | 5,239 |
| 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 | 59.3873% | 5,281 |
| Equity capital to assets | 31.8763% | 64 |
| Core capital (leverage) ratio | 31.4320% | 65 |
| Tier 1 risk-based capital ratio | 48.4300% | 145 |
| Total risk-based capital ratio | 48.4300% | 150 |
| Memoranda: | ||
| Average total assets | $85,316,000 | 4,336 |
| Average earning assets | $72,223,000 | 4,448 |
| Average equity | $26,882,000 | 2,578 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7252% | 5,309 |
| Cost of funding earning assets | 0.8198% | 1,441 |
| Net interest margin | 1.9054% | 5,343 |
| Noninterest income to average assets | 35.2381% | 28 |
| Noninterest expense to average assets | 31.2213% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 4.4590% | 41 |
| Return on assets (ROA) | 4.4590% | 40 |
| Pretax return on assets | 5.6150% | 41 |
| Return on Equity (ROE) | 14.5320% | 931 |
| Retained earnings to average equity (ytd only) | 4.8723% | 2,849 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7570% | 596 |
| Assets per employee ($millions) | 2.1948% | 5,285 |
| Cash dividends to net income (ytd only)* | 66.4717% | 1,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 58.9974% | 5,328 |
| Equity capital to assets | 31.1436% | 66 |
| Core capital (leverage) ratio | 31.5789% | 65 |
| Tier 1 risk-based capital ratio | 45.2156% | 173 |
| Total risk-based capital ratio | 45.2156% | 184 |
| Memoranda: | ||
| Average total assets | $84,346,200 | 4,353 |
| Average earning assets | $70,746,600 | 4,483 |
| Average equity | $25,880,800 | 2,574 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6413% | 5,391 |
| Cost of funding earning assets | 0.7846% | 1,410 |
| Net interest margin | 1.8566% | 5,421 |
| Noninterest income to average assets | 35.0962% | 29 |
| Noninterest expense to average assets | 31.1804% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 4.3014% | 47 |
| Return on assets (ROA) | 4.3014% | 47 |
| Pretax return on assets | 5.4739% | 42 |
| Return on Equity (ROE) | 14.0719% | 1,097 |
| Retained earnings to average equity (ytd only) | 14.0719% | 241 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0662% | 572 |
| Assets per employee ($millions) | 2.3324% | 5,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 58.5188% | 5,404 |
| Equity capital to assets | 32.3186% | 58 |
| Core capital (leverage) ratio | 34.1435% | 58 |
| Tier 1 risk-based capital ratio | 48.4750% | 146 |
| Total risk-based capital ratio | 48.4750% | 153 |
| Memoranda: | ||
| Average total assets | $84,033,500 | 4,405 |
| Average earning assets | $70,519,500 | 4,532 |
| Average equity | $25,686,500 | 2,602 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6256% | 5,451 |
| Cost of funding earning assets | 0.7352% | 1,444 |
| Net interest margin | 1.8905% | 5,481 |
| Noninterest income to average assets | 34.6546% | 29 |
| Noninterest expense to average assets | 31.5758% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 3.6984% | 51 |
| Return on assets (ROA) | 3.6984% | 51 |
| Pretax return on assets | 4.6783% | 48 |
| Return on Equity (ROE) | 12.3437% | 1,604 |
| Retained earnings to average equity (ytd only) | 12.3437% | 470 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0959% | 513 |
| Assets per employee ($millions) | 2.3378% | 5,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 58.3835% | 5,461 |
| Equity capital to assets | 31.0161% | 65 |
| Core capital (leverage) ratio | 32.9466% | 64 |
| Tier 1 risk-based capital ratio | 46.4613% | 161 |
| Total risk-based capital ratio | 46.4613% | 170 |
| Memoranda: | ||
| Average total assets | $83,279,000 | 4,463 |
| Average earning assets | $70,459,000 | 4,581 |
| Average equity | $24,952,000 | 2,668 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5605% | 5,523 |
| Cost of funding earning assets | 0.7087% | 1,394 |
| Net interest margin | 1.8518% | 5,548 |
| Noninterest income to average assets | 34.5292% | 29 |
| Noninterest expense to average assets | 32.0020% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 3.2080% | 74 |
| Return on assets (ROA) | 3.2080% | 76 |
| Pretax return on assets | 4.1141% | 61 |
| Return on Equity (ROE) | 10.9103% | 2,009 |
| Retained earnings to average equity (ytd only) | 10.9103% | 916 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.6086% | 501 |
| Assets per employee ($millions) | 2.3273% | 5,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 60.2762% | 5,519 |
| Equity capital to assets | 31.0786% | 62 |
| Core capital (leverage) ratio | 31.6144% | 61 |
| Tier 1 risk-based capital ratio | 46.6983% | 154 |
| Total risk-based capital ratio | 46.6983% | 165 |
| Memoranda: | ||
| Average total assets | $81,670,000 | 4,538 |
| Average earning assets | $69,986,000 | 4,640 |
| Average equity | $24,014,000 | 2,775 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2032% | 5,597 |
| Cost of funding earning assets | 0.6057% | 1,560 |
| Net interest margin | 1.5975% | 5,611 |
| Noninterest income to average assets | 35.6946% | 28 |
| Noninterest expense to average assets | 30.9029% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 3.5000% | 55 |
| Return on assets (ROA) | 3.5000% | 54 |
| Pretax return on assets | 6.1937% | 34 |
| Return on Equity (ROE) | 13.1267% | 923 |
| Retained earnings to average equity (ytd only) | 13.1267% | 127 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3039% | 828 |
| Assets per employee ($millions) | 2.2100% | 5,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 63.4749% | 5,555 |
| Equity capital to assets | 27.6399% | 78 |
| Core capital (leverage) ratio | 28.2367% | 74 |
| Tier 1 risk-based capital ratio | 43.8910% | 169 |
| Total risk-based capital ratio | 43.8910% | 181 |
| Memoranda: | ||
| Average total assets | $77,885,800 | 4,629 |
| Average earning assets | $68,354,800 | 4,696 |
| Average equity | $20,766,800 | 3,056 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1625% | 5,667 |
| Cost of funding earning assets | 0.5807% | 1,665 |
| Net interest margin | 1.5818% | 5,683 |
| Noninterest income to average assets | 34.8783% | 32 |
| Noninterest expense to average assets | 30.2691% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 3.8570% | 54 |
| Return on assets (ROA) | 3.8570% | 54 |
| Pretax return on assets | 6.0015% | 41 |
| Return on Equity (ROE) | 14.6030% | 718 |
| Retained earnings to average equity (ytd only) | 14.6030% | 131 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4535% | 798 |
| Assets per employee ($millions) | 2.2828% | 5,583 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 63.2056% | 5,625 |
| Equity capital to assets | 27.1058% | 81 |
| Core capital (leverage) ratio | 27.7272% | 74 |
| Tier 1 risk-based capital ratio | 43.4306% | 181 |
| Total risk-based capital ratio | 43.4306% | 191 |
| Memoranda: | ||
| Average total assets | $77,467,500 | 4,683 |
| Average earning assets | $68,189,750 | 4,747 |
| Average equity | $20,461,000 | 3,109 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2133% | 5,710 |
| Cost of funding earning assets | 0.5430% | 1,820 |
| Net interest margin | 1.6703% | 5,731 |
| Noninterest income to average assets | 34.7521% | 31 |
| Noninterest expense to average assets | 30.1028% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 3.9370% | 56 |
| Return on assets (ROA) | 3.9370% | 56 |
| Pretax return on assets | 6.1260% | 41 |
| Return on Equity (ROE) | 15.0431% | 651 |
| Retained earnings to average equity (ytd only) | 15.0431% | 137 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0909% | 912 |
| Assets per employee ($millions) | 2.1680% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 64.7029% | 5,658 |
| Equity capital to assets | 26.7537% | 81 |
| Core capital (leverage) ratio | 27.2428% | 72 |
| Tier 1 risk-based capital ratio | 41.4740% | 192 |
| Total risk-based capital ratio | 41.4740% | 202 |
| Memoranda: | ||
| Average total assets | $76,657,330 | 4,732 |
| Average earning assets | $67,771,670 | 4,791 |
| Average equity | $20,062,330 | 3,154 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0521% | 5,792 |
| Cost of funding earning assets | 0.5234% | 1,912 |
| Net interest margin | 1.5286% | 5,808 |
| Noninterest income to average assets | 34.5280% | 30 |
| Noninterest expense to average assets | 30.0047% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 3.7809% | 61 |
| Return on assets (ROA) | 3.7809% | 61 |
| Pretax return on assets | 5.8767% | 44 |
| Return on Equity (ROE) | 14.6135% | 699 |
| Retained earnings to average equity (ytd only) | 14.6135% | 256 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6220% | 1,005 |
| Assets per employee ($millions) | 2.1787% | 5,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 66.2269% | 5,706 |
| Equity capital to assets | 26.3085% | 88 |
| Core capital (leverage) ratio | 26.5160% | 87 |
| Tier 1 risk-based capital ratio | 38.4801% | 245 |
| Total risk-based capital ratio | 38.4801% | 265 |
| Memoranda: | ||
| Average total assets | $75,961,500 | 4,794 |
| Average earning assets | $67,249,000 | 4,848 |
| Average equity | $19,653,000 | 3,210 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6591% | 5,862 |
| Cost of funding earning assets | 0.3999% | 2,998 |
| Net interest margin | 1.2592% | 5,865 |
| Noninterest income to average assets | 30.6700% | 33 |
| Noninterest expense to average assets | 26.6166% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 3.5996% | 58 |
| Return on assets (ROA) | 3.5704% | 60 |
| Pretax return on assets | 5.1215% | 47 |
| Return on Equity (ROE) | 14.7057% | 670 |
| Retained earnings to average equity (ytd only) | 14.7057% | 115 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7531% | 1,032 |
| Assets per employee ($millions) | 2.1620% | 5,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 66.7371% | 5,744 |
| Equity capital to assets | 25.4328% | 95 |
| Core capital (leverage) ratio | 26.1486% | 88 |
| Tier 1 risk-based capital ratio | 36.2727% | 293 |
| Total risk-based capital ratio | 36.2727% | 315 |
| Memoranda: | ||
| Average total assets | $74,333,200 | 4,843 |
| Average earning assets | $65,518,200 | 4,905 |
| Average equity | $18,047,400 | 3,398 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6796% | 5,931 |
| Cost of funding earning assets | 0.3805% | 3,222 |
| Net interest margin | 1.2991% | 5,933 |
| Noninterest income to average assets | 30.1204% | 32 |
| Noninterest expense to average assets | 26.2519% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.5748% | 61 |
| Return on assets (ROA) | 3.5351% | 63 |
| Pretax return on assets | 4.9567% | 53 |
| Return on Equity (ROE) | 14.7393% | 699 |
| Retained earnings to average equity (ytd only) | 14.7393% | 141 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9673% | 995 |
| Assets per employee ($millions) | 2.1367% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 67.5278% | 5,779 |
| Equity capital to assets | 25.1778% | 103 |
| Core capital (leverage) ratio | 25.1806% | 94 |
| Tier 1 risk-based capital ratio | 40.9810% | 211 |
| Total risk-based capital ratio | 40.9810% | 226 |
| Memoranda: | ||
| Average total assets | $73,999,000 | 4,886 |
| Average earning assets | $65,173,000 | 4,954 |
| Average equity | $17,748,000 | 3,471 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6333% | 6,012 |
| Cost of funding earning assets | 0.3568% | 3,492 |
| Net interest margin | 1.2765% | 6,014 |
| Noninterest income to average assets | 29.3745% | 32 |
| Noninterest expense to average assets | 25.7807% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.5938% | 62 |
| Return on assets (ROA) | 3.5938% | 63 |
| Pretax return on assets | 4.7195% | 56 |
| Return on Equity (ROE) | 15.2407% | 643 |
| Retained earnings to average equity (ytd only) | 15.2407% | 140 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5265% | 1,004 |
| Assets per employee ($millions) | 2.2300% | 5,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 66.6060% | 5,876 |
| Equity capital to assets | 23.9228% | 114 |
| Core capital (leverage) ratio | 24.6207% | 100 |
| Tier 1 risk-based capital ratio | 36.8123% | 292 |
| Total risk-based capital ratio | 36.8123% | 316 |
| Memoranda: | ||
| Average total assets | $73,737,330 | 4,938 |
| Average earning assets | $65,020,000 | 5,006 |
| Average equity | $17,387,670 | 3,525 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6781% | 6,076 |
| Cost of funding earning assets | 0.3493% | 3,603 |
| Net interest margin | 1.3287% | 6,078 |
| Noninterest income to average assets | 28.6781% | 32 |
| Noninterest expense to average assets | 25.3877% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 4.0167% | 56 |
| Return on assets (ROA) | 4.0167% | 53 |
| Pretax return on assets | 4.4624% | 61 |
| Return on Equity (ROE) | 17.1639% | 418 |
| Retained earnings to average equity (ytd only) | 17.1639% | 145 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0507% | 1,060 |
| Assets per employee ($millions) | 1.9687% | 5,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 69.3291% | 5,891 |
| Equity capital to assets | 23.9137% | 111 |
| Core capital (leverage) ratio | 24.0140% | 107 |
| Tier 1 risk-based capital ratio | 35.1914% | 327 |
| Total risk-based capital ratio | 35.1914% | 362 |
| Memoranda: | ||
| Average total assets | $72,696,500 | 5,006 |
| Average earning assets | $64,121,500 | 5,075 |
| Average equity | $17,012,500 | 3,588 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3986% | 6,131 |
| Cost of funding earning assets | 0.2903% | 4,365 |
| Net interest margin | 1.1083% | 6,136 |
| Noninterest income to average assets | 26.7436% | 32 |
| Noninterest expense to average assets | 23.7354% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.3433% | 192 |
| Return on assets (ROA) | 2.3478% | 195 |
| Pretax return on assets | 4.0128% | 76 |
| Return on Equity (ROE) | 10.4928% | 1,806 |
| Retained earnings to average equity (ytd only) | 10.4928% | 396 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5602% | 1,032 |
| Assets per employee ($millions) | 2.0729% | 6,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 69.6052% | 5,908 |
| Equity capital to assets | 22.8884% | 121 |
| Core capital (leverage) ratio | 23.3735% | 111 |
| Tier 1 risk-based capital ratio | 32.9913% | 397 |
| Total risk-based capital ratio | 32.9913% | 434 |
| Memoranda: | ||
| Average total assets | $71,172,200 | 5,064 |
| Average earning assets | $64,061,800 | 5,084 |
| Average equity | $15,925,200 | 3,686 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3476% | 6,226 |
| Cost of funding earning assets | 0.2791% | 4,568 |
| Net interest margin | 1.0685% | 6,231 |
| Noninterest income to average assets | 26.3884% | 33 |
| Noninterest expense to average assets | 23.3727% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.3057% | 215 |
| Return on assets (ROA) | 2.3117% | 222 |
| Pretax return on assets | 3.9908% | 79 |
| Return on Equity (ROE) | 10.3922% | 1,934 |
| Retained earnings to average equity (ytd only) | 10.3922% | 571 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4449% | 1,045 |
| Assets per employee ($millions) | 2.0444% | 6,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 70.5751% | 5,947 |
| Equity capital to assets | 22.8440% | 131 |
| Core capital (leverage) ratio | 22.9283% | 120 |
| Tier 1 risk-based capital ratio | 28.1278% | 612 |
| Total risk-based capital ratio | 28.1278% | 676 |
| Memoranda: | ||
| Average total assets | $70,827,250 | 5,133 |
| Average earning assets | $64,012,000 | 5,147 |
| Average equity | $15,755,000 | 3,751 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3604% | 6,303 |
| Cost of funding earning assets | 0.2702% | 4,715 |
| Net interest margin | 1.0902% | 6,306 |
| Noninterest income to average assets | 26.1728% | 36 |
| Noninterest expense to average assets | 23.6879% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.9885% | 368 |
| Return on assets (ROA) | 1.9976% | 379 |
| Pretax return on assets | 3.4823% | 96 |
| Return on Equity (ROE) | 9.0629% | 2,503 |
| Retained earnings to average equity (ytd only) | 9.0629% | 898 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2287% | 965 |
| Assets per employee ($millions) | 2.2312% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 70.7313% | 6,005 |
| Equity capital to assets | 22.2684% | 145 |
| Core capital (leverage) ratio | 22.2953% | 128 |
| Tier 1 risk-based capital ratio | 32.3578% | 446 |
| Total risk-based capital ratio | 32.3578% | 484 |
| Memoranda: | ||
| Average total assets | $70,584,670 | 5,197 |
| Average earning assets | $63,657,670 | 5,208 |
| Average equity | $15,558,000 | 3,803 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3741% | 6,377 |
| Cost of funding earning assets | 0.2596% | 4,910 |
| Net interest margin | 1.1145% | 6,379 |
| Noninterest income to average assets | 25.8769% | 34 |
| Noninterest expense to average assets | 24.1213% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6176% | 696 |
| Return on assets (ROA) | 1.6358% | 700 |
| Pretax return on assets | 2.7872% | 165 |
| Return on Equity (ROE) | 7.4606% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.4606% | 1,783 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7371% | 866 |
| Assets per employee ($millions) | 2.1347% | 6,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 71.6871% | 6,050 |
| Equity capital to assets | 22.1009% | 150 |
| Core capital (leverage) ratio | 21.9239% | 135 |
| Tier 1 risk-based capital ratio | 34.3464% | 383 |
| Total risk-based capital ratio | 34.3464% | 417 |
| Memoranda: | ||
| Average total assets | $70,178,500 | 5,254 |
| Average earning assets | $63,166,500 | 5,270 |
| Average equity | $15,387,500 | 3,859 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2447% | 6,462 |
| Cost of funding earning assets | 0.2241% | 5,564 |
| Net interest margin | 1.0206% | 6,464 |
| Noninterest income to average assets | 23.1894% | 35 |
| Noninterest expense to average assets | 21.7641% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2914% | 1,323 |
| Return on assets (ROA) | 1.2923% | 1,370 |
| Pretax return on assets | 2.2825% | 272 |
| Return on Equity (ROE) | 6.0765% | 4,105 |
| Retained earnings to average equity (ytd only) | 6.0765% | 1,874 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5134% | 813 |
| Assets per employee ($millions) | 2.2552% | 6,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 72.2337% | 6,067 |
| Equity capital to assets | 21.7502% | 160 |
| Core capital (leverage) ratio | 21.0193% | 172 |
| Tier 1 risk-based capital ratio | 96.2515% | 47 |
| Total risk-based capital ratio | 96.2515% | 48 |
| Memoranda: | ||
| Average total assets | $69,178,200 | 5,315 |
| Average earning assets | $58,005,000 | 5,458 |
| Average equity | $14,712,400 | 3,894 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2562% | 6,548 |
| Cost of funding earning assets | 0.2168% | 5,698 |
| Net interest margin | 1.0394% | 6,550 |
| Noninterest income to average assets | 22.6466% | 34 |
| Noninterest expense to average assets | 21.4639% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1595% | 1,826 |
| Return on assets (ROA) | 1.1595% | 1,891 |
| Pretax return on assets | 2.0349% | 525 |
| Return on Equity (ROE) | 5.4834% | 4,497 |
| Retained earnings to average equity (ytd only) | 5.4834% | 2,771 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3405% | 750 |
| Assets per employee ($millions) | 2.4078% | 6,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 72.3237% | 6,153 |
| Equity capital to assets | 21.3276% | 181 |
| Core capital (leverage) ratio | 20.6549% | 193 |
| Tier 1 risk-based capital ratio | 101.8083% | 46 |
| Total risk-based capital ratio | 101.8083% | 46 |
| Memoranda: | ||
| Average total assets | $68,994,750 | 5,373 |
| Average earning assets | $56,572,750 | 5,558 |
| Average equity | $14,589,000 | 3,928 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2403% | 6,614 |
| Cost of funding earning assets | 0.2055% | 5,869 |
| Net interest margin | 1.0347% | 6,613 |
| Noninterest income to average assets | 22.0932% | 34 |
| Noninterest expense to average assets | 20.5128% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.3796% | 1,113 |
| Return on assets (ROA) | 1.3796% | 1,155 |
| Pretax return on assets | 2.4302% | 243 |
| Return on Equity (ROE) | 6.5433% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.5433% | 2,013 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4076% | 957 |
| Assets per employee ($millions) | 2.6653% | 6,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 72.8737% | 6,194 |
| Equity capital to assets | 21.3686% | 164 |
| Core capital (leverage) ratio | 20.7361% | 176 |
| Tier 1 risk-based capital ratio | 101.6907% | 45 |
| Total risk-based capital ratio | 101.6907% | 45 |
| Memoranda: | ||
| Average total assets | $68,718,000 | 5,430 |
| Average earning assets | $56,439,330 | 5,601 |
| Average equity | $14,488,000 | 3,951 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2014% | 6,695 |
| Cost of funding earning assets | 0.2002% | 5,997 |
| Net interest margin | 1.0012% | 6,692 |
| Noninterest income to average assets | 21.2778% | 37 |
| Noninterest expense to average assets | 19.6235% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.4497% | 899 |
| Return on assets (ROA) | 1.4497% | 931 |
| Pretax return on assets | 2.4727% | 233 |
| Return on Equity (ROE) | 6.9235% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.9235% | 2,081 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8095% | 1,150 |
| Assets per employee ($millions) | 2.7234% | 6,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 74.1731% | 6,231 |
| Equity capital to assets | 21.2855% | 163 |
| Core capital (leverage) ratio | 20.7922% | 174 |
| Tier 1 risk-based capital ratio | 103.1908% | 48 |
| Total risk-based capital ratio | 103.1908% | 48 |
| Memoranda: | ||
| Average total assets | $68,428,000 | 5,496 |
| Average earning assets | $55,933,000 | 5,669 |
| Average equity | $14,328,000 | 3,985 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0758% | 6,770 |
| Cost of funding earning assets | 0.3873% | 4,777 |
| Net interest margin | 0.6885% | 6,776 |
| Noninterest income to average assets | 17.3140% | 43 |
| Noninterest expense to average assets | 17.7117% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0555% | 6,121 |
| Return on assets (ROA) | 0.0734% | 6,140 |
| Pretax return on assets | 0.1937% | 5,949 |
| Return on Equity (ROE) | 0.3496% | 6,192 |
| Retained earnings to average equity (ytd only) | 0.3496% | 5,693 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0726% | 506 |
| Assets per employee ($millions) | 2.7509% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 73.4310% | 6,322 |
| Equity capital to assets | 20.5956% | 181 |
| Core capital (leverage) ratio | 20.1170% | 195 |
| Tier 1 risk-based capital ratio | 101.5507% | 49 |
| Total risk-based capital ratio | 101.5507% | 49 |
| Memoranda: | ||
| Average total assets | $68,152,800 | 5,533 |
| Average earning assets | $55,771,200 | 5,710 |
| Average equity | $14,302,400 | 4,001 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0307% | 6,855 |
| Cost of funding earning assets | 0.4042% | 4,789 |
| Net interest margin | 0.6266% | 6,860 |
| Noninterest income to average assets | 16.5903% | 45 |
| Noninterest expense to average assets | 16.5295% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2899% | 5,650 |
| Return on assets (ROA) | 0.3137% | 5,684 |
| Pretax return on assets | 0.6118% | 4,976 |
| Return on Equity (ROE) | 1.4880% | 6,080 |
| Retained earnings to average equity (ytd only) | 1.4880% | 5,388 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6411% | 590 |
| Assets per employee ($millions) | 3.0922% | 5,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 74.2330% | 6,356 |
| Equity capital to assets | 21.0351% | 174 |
| Core capital (leverage) ratio | 20.5810% | 178 |
| Tier 1 risk-based capital ratio | 104.6298% | 46 |
| Total risk-based capital ratio | 104.6298% | 46 |
| Memoranda: | ||
| Average total assets | $67,998,000 | 5,595 |
| Average earning assets | $55,752,250 | 5,767 |
| Average equity | $14,337,000 | 4,052 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0608% | 6,902 |
| Cost of funding earning assets | 0.4000% | 4,948 |
| Net interest margin | 0.6608% | 6,911 |
| Noninterest income to average assets | 15.8823% | 49 |
| Noninterest expense to average assets | 15.7970% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3124% | 5,558 |
| Return on assets (ROA) | 0.3501% | 5,585 |
| Pretax return on assets | 0.6884% | 4,720 |
| Return on Equity (ROE) | 1.6590% | 6,051 |
| Retained earnings to average equity (ytd only) | 1.6590% | 5,191 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1676% | 643 |
| Assets per employee ($millions) | 3.0686% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 74.8037% | 6,376 |
| Equity capital to assets | 21.1243% | 162 |
| Core capital (leverage) ratio | 20.7144% | 156 |
| Tier 1 risk-based capital ratio | 94.3762% | 46 |
| Total risk-based capital ratio | 94.3762% | 46 |
| Memoranda: | ||
| Average total assets | $67,987,670 | 5,637 |
| Average earning assets | $55,993,670 | 5,801 |
| Average equity | $14,346,000 | 4,083 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0560% | 6,985 |
| Cost of funding earning assets | 0.4050% | 5,053 |
| Net interest margin | 0.6510% | 6,989 |
| Noninterest income to average assets | 15.1964% | 53 |
| Noninterest expense to average assets | 14.4343% | 54 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7319% | 3,527 |
| Return on assets (ROA) | 0.8032% | 3,278 |
| Pretax return on assets | 1.4012% | 1,847 |
| Return on Equity (ROE) | 3.8086% | 5,188 |
| Retained earnings to average equity (ytd only) | 3.8086% | 3,950 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7972% | 1,002 |
| Assets per employee ($millions) | 3.5678% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 74.4970% | 6,505 |
| Equity capital to assets | 21.2870% | 170 |
| Core capital (leverage) ratio | 20.8186% | 162 |
| Tier 1 risk-based capital ratio | 105.1728% | 45 |
| Total risk-based capital ratio | 105.1728% | 45 |
| Memoranda: | ||
| Average total assets | $68,226,500 | 5,680 |
| Average earning assets | $55,303,000 | 5,864 |
| Average equity | $14,388,500 | 4,119 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0780% | 7,039 |
| Cost of funding earning assets | 0.3866% | 6,007 |
| Net interest margin | 0.6914% | 7,039 |
| Noninterest income to average assets | 12.4775% | 60 |
| Noninterest expense to average assets | 13.6320% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.3492% | 6,480 |
| Return on assets (ROA) | -0.2894% | 6,488 |
| Pretax return on assets | -0.4677% | 6,556 |
| Return on Equity (ROE) | -1.3658% | 6,413 |
| Retained earnings to average equity (ytd only) | -1.3658% | 6,073 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.2934% | 438 |
| Assets per employee ($millions) | 3.6139% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 73.5455% | 6,578 |
| Equity capital to assets | 20.8942% | 188 |
| Core capital (leverage) ratio | 20.2952% | 182 |
| Tier 1 risk-based capital ratio | 133.7750% | 41 |
| Total risk-based capital ratio | 133.7750% | 41 |
| Memoranda: | ||
| Average total assets | $68,427,200 | 5,668 |
| Average earning assets | $58,718,600 | 5,790 |
| Average equity | $14,497,000 | 4,065 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2165% | 7,148 |
| Cost of funding earning assets | 0.3767% | 6,251 |
| Net interest margin | 0.8398% | 7,152 |
| Noninterest income to average assets | 12.0268% | 64 |
| Noninterest expense to average assets | 12.6431% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.0579% | 6,197 |
| Return on assets (ROA) | 0.0741% | 6,310 |
| Pretax return on assets | 0.1482% | 6,208 |
| Return on Equity (ROE) | 0.3486% | 6,363 |
| Retained earnings to average equity (ytd only) | 0.3486% | 5,983 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0376% | 568 |
| Assets per employee ($millions) | 4.0570% | 3,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 73.2213% | 6,664 |
| Equity capital to assets | 21.2429% | 195 |
| Core capital (leverage) ratio | 20.7546% | 181 |
| Tier 1 risk-based capital ratio | 124.7457% | 46 |
| Total risk-based capital ratio | 124.7457% | 46 |
| Memoranda: | ||
| Average total assets | $68,367,750 | 5,731 |
| Average earning assets | $60,169,250 | 5,799 |
| Average equity | $14,534,500 | 4,095 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2270% | 7,216 |
| Cost of funding earning assets | 0.3658% | 6,443 |
| Net interest margin | 0.8612% | 7,216 |
| Noninterest income to average assets | 11.5481% | 66 |
| Noninterest expense to average assets | 12.3901% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | -0.0504% | 6,386 |
| Return on assets (ROA) | -0.0528% | 6,502 |
| Pretax return on assets | -0.0645% | 6,491 |
| Return on Equity (ROE) | -0.2484% | 6,479 |
| Retained earnings to average equity (ytd only) | -0.2484% | 6,083 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4998% | 542 |
| Assets per employee ($millions) | 4.2691% | 3,317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 73.9331% | 6,683 |
| Equity capital to assets | 21.2752% | 190 |
| Core capital (leverage) ratio | 20.8394% | 170 |
| Tier 1 risk-based capital ratio | 126.3703% | 43 |
| Total risk-based capital ratio | 126.3703% | 43 |
| Memoranda: | ||
| Average total assets | $68,167,330 | 5,776 |
| Average earning assets | $61,776,670 | 5,774 |
| Average equity | $14,495,670 | 4,093 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2085% | 7,280 |
| Cost of funding earning assets | 0.3664% | 6,564 |
| Net interest margin | 0.8421% | 7,280 |
| Noninterest income to average assets | 11.3659% | 68 |
| Noninterest expense to average assets | 12.2235% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | -0.0661% | 6,499 |
| Return on assets (ROA) | -0.0705% | 6,596 |
| Pretax return on assets | -0.0940% | 6,598 |
| Return on Equity (ROE) | -0.3315% | 6,566 |
| Retained earnings to average equity (ytd only) | -0.3315% | 6,052 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.7260% | 532 |
| Assets per employee ($millions) | 4.0443% | 3,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 73.4513% | 6,788 |
| Equity capital to assets | 21.0798% | 177 |
| Core capital (leverage) ratio | 20.5761% | 176 |
| Tier 1 risk-based capital ratio | 110.9121% | 44 |
| Total risk-based capital ratio | 110.9121% | 44 |
| Memoranda: | ||
| Average total assets | $68,098,500 | 5,824 |
| Average earning assets | $62,225,000 | 5,805 |
| Average equity | $14,477,500 | 4,106 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7197% | 7,305 |
| Cost of funding earning assets | 0.0935% | 7,308 |
| Net interest margin | 1.6262% | 7,280 |
| Noninterest income to average assets | 25.2551% | 29 |
| Noninterest expense to average assets | 27.5719% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | -0.5875% | 6,545 |
| Return on assets (ROA) | -0.1737% | 6,306 |
| Pretax return on assets | -0.2476% | 6,319 |
| Return on Equity (ROE) | -0.3256% | 6,194 |
| Retained earnings to average equity (ytd only) | -0.3256% | 5,905 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.1375% | 590 |
| Assets per employee ($millions) | 4.2153% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 74.8769% | 6,623 |
| Equity capital to assets | 21.4430% | 173 |
| Core capital (leverage) ratio | 20.9389% | 166 |
| Tier 1 risk-based capital ratio | 126.3347% | 42 |
| Total risk-based capital ratio | 126.3347% | 42 |
| Memoranda: | ||
| Average total assets | $27,063,800 | 7,049 |
| Average earning assets | $24,596,600 | 7,025 |
| Average equity | $14,434,400 | 4,024 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7131% | 7,318 |
| Cost of funding earning assets | 0.0263% | 7,410 |
| Net interest margin | 2.6868% | 6,998 |
| Noninterest income to average assets | 39.3341% | 26 |
| Noninterest expense to average assets | 43.7970% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -1.3510% | 6,998 |
| Return on assets (ROA) | -0.5264% | 6,696 |
| Pretax return on assets | -0.8015% | 6,786 |
| Return on Equity (ROE) | -0.6192% | 6,332 |
| Retained earnings to average equity (ytd only) | -0.6192% | 6,088 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9125% | 527 |
| Assets per employee ($millions) | 1.0686% | 7,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 2.9243% | 7,422 |
| Equity capital to assets | 84.2906% | 19 |
| Core capital (leverage) ratio | 83.9200% | 17 |
| Tier 1 risk-based capital ratio | 378.3536% | 13 |
| Total risk-based capital ratio | 378.3536% | 13 |
| Memoranda: | ||
| Average total assets | $16,968,750 | 7,337 |
| Average earning assets | $15,234,500 | 7,323 |
| Average equity | $14,427,500 | 4,048 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7803% | 7,390 |
| Cost of funding earning assets | 0.0250% | 7,482 |
| Net interest margin | 2.7552% | 6,970 |
| Noninterest income to average assets | 39.8448% | 26 |
| Noninterest expense to average assets | 44.1814% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.0762% | 6,965 |
| Return on assets (ROA) | -1.0989% | 6,982 |
| Pretax return on assets | -1.7725% | 7,128 |
| Return on Equity (ROE) | -1.2887% | 6,442 |
| Retained earnings to average equity (ytd only) | -1.2887% | 6,114 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0924% | 614 |
| Assets per employee ($millions) | 1.1334% | 7,445 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 2.9410% | 7,499 |
| Equity capital to assets | 84.9068% | 18 |
| Core capital (leverage) ratio | 84.3965% | 19 |
| Tier 1 risk-based capital ratio | 422.6248% | 11 |
| Total risk-based capital ratio | 422.6248% | 11 |
| Memoranda: | ||
| Average total assets | $16,925,670 | 7,409 |
| Average earning assets | $15,969,670 | 7,382 |
| Average equity | $14,432,670 | 4,028 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6752% | 7,456 |
| Cost of funding earning assets | 0.0250% | 7,546 |
| Net interest margin | 2.6502% | 7,074 |
| Noninterest income to average assets | 39.0099% | 27 |
| Noninterest expense to average assets | 42.2549% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.4519% | 6,777 |
| Return on assets (ROA) | -0.4974% | 6,809 |
| Pretax return on assets | -0.8053% | 6,923 |
| Return on Equity (ROE) | -0.5821% | 6,438 |
| Retained earnings to average equity (ytd only) | -0.5821% | 5,906 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7684% | 681 |
| Assets per employee ($millions) | 1.1198% | 7,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 2.9767% | 7,562 |
| Equity capital to assets | 85.8487% | 14 |
| Core capital (leverage) ratio | 85.4538% | 14 |
| Tier 1 risk-based capital ratio | 447.2774% | 6 |
| Total risk-based capital ratio | 447.2774% | 6 |
| Memoranda: | ||
| Average total assets | $16,888,000 | 7,465 |
| Average earning assets | $15,999,000 | 7,437 |
| Average equity | $14,431,500 | 4,013 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0850% | 7,482 |
| Cost of funding earning assets | 0.0190% | 7,627 |
| Net interest margin | 3.0660% | 6,605 |
| Noninterest income to average assets | 33.2715% | 31 |
| Noninterest expense to average assets | 35.1558% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.6343% | 3,513 |
| Return on assets (ROA) | 0.5635% | 3,992 |
| Pretax return on assets | 0.8453% | 3,481 |
| Return on Equity (ROE) | 0.6672% | 5,792 |
| Retained earnings to average equity (ytd only) | 0.6672% | 5,238 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3663% | 896 |
| Assets per employee ($millions) | 1.2128% | 7,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 2.9448% | 7,642 |
| Equity capital to assets | 85.0639% | 19 |
| Core capital (leverage) ratio | 84.6915% | 18 |
| Tier 1 risk-based capital ratio | 461.8170% | 6 |
| Total risk-based capital ratio | 461.8170% | 6 |
| Memoranda: | ||
| Average total assets | $17,035,600 | 7,531 |
| Average earning assets | $15,753,600 | 7,502 |
| Average equity | $14,387,600 | 4,051 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1614% | 7,601 |
| Cost of funding earning assets | 0.0171% | 7,733 |
| Net interest margin | 3.1444% | 6,497 |
| Noninterest income to average assets | 32.1639% | 32 |
| Noninterest expense to average assets | 33.0554% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.1983% | 1,600 |
| Return on assets (ROA) | 1.1183% | 1,939 |
| Pretax return on assets | 1.8690% | 812 |
| Return on Equity (ROE) | 1.3264% | 5,812 |
| Retained earnings to average equity (ytd only) | 1.3264% | 5,281 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3106% | 988 |
| Assets per employee ($millions) | 1.0520% | 7,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 2.9705% | 7,745 |
| Equity capital to assets | 86.3534% | 16 |
| Core capital (leverage) ratio | 86.0526% | 16 |
| Tier 1 risk-based capital ratio | 466.7984% | 10 |
| Total risk-based capital ratio | 466.7984% | 10 |
| Memoranda: | ||
| Average total assets | $17,049,750 | 7,627 |
| Average earning assets | $15,646,750 | 7,600 |
| Average equity | $14,373,750 | 4,118 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2017% | 7,675 |
| Cost of funding earning assets | 0.0129% | 7,805 |
| Net interest margin | 3.1888% | 6,355 |
| Noninterest income to average assets | 30.9888% | 33 |
| Noninterest expense to average assets | 31.3158% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.5339% | 841 |
| Return on assets (ROA) | 1.0629% | 2,045 |
| Pretax return on assets | 1.8222% | 850 |
| Return on Equity (ROE) | 1.2709% | 5,877 |
| Retained earnings to average equity (ytd only) | 1.2709% | 5,246 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.4483% | 1,163 |
| Assets per employee ($millions) | 1.1801% | 7,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 3.0263% | 7,812 |
| Equity capital to assets | 87.7497% | 20 |
| Core capital (leverage) ratio | 88.3711% | 17 |
| Tier 1 risk-based capital ratio | 535.5964% | 6 |
| Total risk-based capital ratio | 535.5964% | 6 |
| Memoranda: | ||
| Average total assets | $17,122,330 | 7,690 |
| Average earning assets | $15,491,670 | 7,670 |
| Average equity | $14,320,000 | 4,132 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0896% | 7,791 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 3.0896% | 6,621 |
| Noninterest income to average assets | 30.6271% | 33 |
| Noninterest expense to average assets | 30.0990% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.9754% | 358 |
| Return on assets (ROA) | 1.0791% | 1,976 |
| Pretax return on assets | 1.8367% | 827 |
| Return on Equity (ROE) | 1.3211% | 6,022 |
| Retained earnings to average equity (ytd only) | 1.3211% | 5,282 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2893% | 1,407 |
| Assets per employee ($millions) | 1.1525% | 7,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 3.0989% | 7,914 |
| Equity capital to assets | 88.7140% | 18 |
| Core capital (leverage) ratio | 88.6251% | 15 |
| Tier 1 risk-based capital ratio | 495.7372% | 5 |
| Total risk-based capital ratio | 495.7372% | 5 |
| Memoranda: | ||
| Average total assets | $17,422,500 | 7,783 |
| Average earning assets | $15,277,000 | 7,776 |
| Average equity | $14,231,000 | 4,187 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5618% | 7,818 |
| Cost of funding earning assets | 0.0272% | 7,988 |
| Net interest margin | 3.5346% | 4,802 |
| Noninterest income to average assets | 27.9435% | 38 |
| Noninterest expense to average assets | 30.8281% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.1486% | 5,052 |
| Return on assets (ROA) | 1.0307% | 1,786 |
| Pretax return on assets | 1.6649% | 842 |
| Return on Equity (ROE) | 1.1952% | 5,171 |
| Retained earnings to average equity (ytd only) | 1.1952% | 4,208 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0788% | 1,149 |
| Assets per employee ($millions) | 1.3364% | 7,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 2.6724% | 7,992 |
| Equity capital to assets | 75.6173% | 33 |
| Core capital (leverage) ratio | 75.4968% | 31 |
| Tier 1 risk-based capital ratio | 226.1989% | 29 |
| Total risk-based capital ratio | 226.1989% | 29 |
| Memoranda: | ||
| Average total assets | $16,397,400 | 7,869 |
| Average earning assets | $14,711,600 | 7,852 |
| Average equity | $14,140,200 | 4,221 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7171% | 7,888 |
| Cost of funding earning assets | 0.0274% | 8,072 |
| Net interest margin | 3.6897% | 4,116 |
| Noninterest income to average assets | 28.1928% | 38 |
| Noninterest expense to average assets | 30.2240% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7771% | 2,905 |
| Return on assets (ROA) | 1.6941% | 598 |
| Pretax return on assets | 2.8066% | 127 |
| Return on Equity (ROE) | 1.8955% | 5,203 |
| Retained earnings to average equity (ytd only) | 1.8955% | 4,263 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6522% | 1,293 |
| Assets per employee ($millions) | 1.6002% | 7,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 3.1246% | 8,077 |
| Equity capital to assets | 88.9576% | 17 |
| Core capital (leverage) ratio | 88.8994% | 17 |
| Tier 1 risk-based capital ratio | 411.8452% | 12 |
| Total risk-based capital ratio | 411.8452% | 12 |
| Memoranda: | ||
| Average total assets | $15,819,250 | 7,958 |
| Average earning assets | $14,598,750 | 7,936 |
| Average equity | $14,138,250 | 4,259 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7853% | 7,972 |
| Cost of funding earning assets | 0.0275% | 8,168 |
| Net interest margin | 3.7577% | 3,727 |
| Noninterest income to average assets | 28.0613% | 40 |
| Noninterest expense to average assets | 28.3025% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8408% | 422 |
| Return on assets (ROA) | 3.1729% | 56 |
| Pretax return on assets | 5.3051% | 37 |
| Return on Equity (ROE) | 3.5446% | 4,689 |
| Retained earnings to average equity (ytd only) | 3.5446% | 3,329 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7746% | 1,835 |
| Assets per employee ($millions) | 1.4481% | 8,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 3.1389% | 8,175 |
| Equity capital to assets | 89.2021% | 15 |
| Core capital (leverage) ratio | 89.1442% | 16 |
| Tier 1 risk-based capital ratio | 415.6563% | 10 |
| Total risk-based capital ratio | 415.6563% | 10 |
| Memoranda: | ||
| Average total assets | $15,758,330 | 8,048 |
| Average earning assets | $14,530,000 | 8,024 |
| Average equity | $14,106,000 | 4,283 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2060% | 7,902 |
| Cost of funding earning assets | 0.0277% | 8,221 |
| Net interest margin | 4.1783% | 1,984 |
| Noninterest income to average assets | 26.5425% | 40 |
| Noninterest expense to average assets | 27.5633% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.5344% | 879 |
| Return on assets (ROA) | 3.8538% | 42 |
| Pretax return on assets | 6.4570% | 28 |
| Return on Equity (ROE) | 4.2976% | 4,793 |
| Retained earnings to average equity (ytd only) | 4.2976% | 3,517 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6801% | 1,675 |
| Assets per employee ($millions) | 1.2042% | 8,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 3.1939% | 8,225 |
| Equity capital to assets | 90.2268% | 11 |
| Core capital (leverage) ratio | 90.3470% | 13 |
| Tier 1 risk-based capital ratio | 372.4484% | 15 |
| Total risk-based capital ratio | 372.4484% | 15 |
| Memoranda: | ||
| Average total assets | $15,673,000 | 8,095 |
| Average earning assets | $14,455,500 | 8,073 |
| Average equity | $14,054,500 | 4,322 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0672% | 8,096 |
| Cost of funding earning assets | 0.0705% | 8,267 |
| Net interest margin | 3.9967% | 3,131 |
| Noninterest income to average assets | 31.8526% | 40 |
| Noninterest expense to average assets | 30.3826% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 3.0687% | 67 |
| Return on assets (ROA) | 3.0235% | 67 |
| Pretax return on assets | 5.0392% | 49 |
| Return on Equity (ROE) | 3.4540% | 5,057 |
| Retained earnings to average equity (ytd only) | 3.4540% | 2,989 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6032% | 1,898 |
| Assets per employee ($millions) | 1.2070% | 8,217 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 3.1865% | 8,283 |
| Equity capital to assets | 89.1212% | 14 |
| Core capital (leverage) ratio | 89.0717% | 16 |
| Tier 1 risk-based capital ratio | 368.9472% | 20 |
| Total risk-based capital ratio | 368.9472% | 20 |
| Memoranda: | ||
| Average total assets | $15,578,000 | 8,148 |
| Average earning assets | $14,186,600 | 8,131 |
| Average equity | $13,636,400 | 4,415 |
| Average total loans | NA | NA |