Home > Wells Fargo Limited > Performance and Condition Ratios
Wells Fargo Limited, Performance and Condition Ratios
| 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 | 2.5629% | 5,037 |
| Cost of funding earning assets | 0.0000% | 5,101 |
| Net interest margin | 2.5629% | 4,779 |
| Noninterest income to average assets | 0.7435% | 1,482 |
| Noninterest expense to average assets | 0.9129% | 5,071 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8652% | 2,633 |
| Return on assets (ROA) | 0.8652% | 2,738 |
| Pretax return on assets | 1.0990% | 2,525 |
| Return on Equity (ROE) | 0.9063% | 4,641 |
| Retained earnings to average equity (ytd only) | 0.9063% | 3,770 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.3748% | 4,848 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 5,124 |
| Equity capital to assets | 95.9271% | 8 |
| Core capital (leverage) ratio | 95.1088% | 13 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 87.0575% | 40 |
| Memoranda: | ||
| Average total assets | $838,219,500 | 974 |
| Average earning assets | $414,845,000 | 1,621 |
| Average equity | $800,209,500 | 189 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1896% | 5,138 |
| Cost of funding earning assets | 0.0017% | 5,165 |
| Net interest margin | 2.1879% | 5,057 |
| Noninterest income to average assets | 60.4967% | 17 |
| Noninterest expense to average assets | 44.8588% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 14.0627% | 13 |
| Return on assets (ROA) | 14.0627% | 14 |
| Pretax return on assets | 17.1955% | 16 |
| Return on Equity (ROE) | 16.7511% | 448 |
| Retained earnings to average equity (ytd only) | 16.7511% | 58 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2896% | 1,829 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 3.1695% | 5,166 |
| Equity capital to assets | 95.0071% | 8 |
| Core capital (leverage) ratio | 93.4144% | 11 |
| Tier 1 risk-based capital ratio | 82.2977% | 56 |
| Total risk-based capital ratio | 82.2977% | 57 |
| Memoranda: | ||
| Average total assets | $845,557,400 | 932 |
| Average earning assets | $601,991,200 | 1,143 |
| Average equity | $709,854,000 | 198 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4505% | 5,217 |
| Cost of funding earning assets | 0.0024% | 5,245 |
| Net interest margin | 2.4481% | 5,090 |
| Noninterest income to average assets | 55.0250% | 20 |
| Noninterest expense to average assets | 51.5920% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 4.5937% | 42 |
| Return on assets (ROA) | 4.5937% | 44 |
| Pretax return on assets | 5.0091% | 48 |
| Return on Equity (ROE) | 5.6569% | 4,142 |
| Retained earnings to average equity (ytd only) | 5.6569% | 2,529 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1501% | 294 |
| Assets per employee ($millions) | 1.9298% | 5,171 |
| 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 | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 3.0189% | 5,248 |
| Equity capital to assets | 78.0668% | 25 |
| Core capital (leverage) ratio | 80.2347% | 25 |
| Tier 1 risk-based capital ratio | 54.6161% | 114 |
| Total risk-based capital ratio | 54.6161% | 116 |
| Memoranda: | ||
| Average total assets | $846,619,500 | 930 |
| Average earning assets | $545,066,500 | 1,246 |
| Average equity | $687,491,750 | 203 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3662% | 5,275 |
| Cost of funding earning assets | 0.0024% | 5,292 |
| Net interest margin | 2.3638% | 5,176 |
| Noninterest income to average assets | 44.3549% | 22 |
| Noninterest expense to average assets | 46.7403% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8696% | 3,402 |
| Return on assets (ROA) | 0.8696% | 3,465 |
| Pretax return on assets | -0.7355% | 5,209 |
| Return on Equity (ROE) | 1.0560% | 5,043 |
| Retained earnings to average equity (ytd only) | 1.0560% | 4,422 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.5987% | 148 |
| Assets per employee ($millions) | 1.7012% | 5,230 |
| 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 | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 3.2449% | 5,293 |
| Equity capital to assets | 84.2898% | 21 |
| Core capital (leverage) ratio | 83.9038% | 25 |
| Tier 1 risk-based capital ratio | 56.8694% | 102 |
| Total risk-based capital ratio | 56.8694% | 107 |
| Memoranda: | ||
| Average total assets | $825,853,000 | 943 |
| Average earning assets | $576,451,000 | 1,194 |
| Average equity | $680,134,330 | 206 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5888% | 5,331 |
| Cost of funding earning assets | 0.0021% | 5,350 |
| Net interest margin | 2.5867% | 5,146 |
| Noninterest income to average assets | 39.7395% | 23 |
| Noninterest expense to average assets | 49.2583% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -2.0993% | 5,320 |
| Return on assets (ROA) | -2.0993% | 5,321 |
| Pretax return on assets | -7.7167% | 5,354 |
| Return on Equity (ROE) | -2.5786% | 5,230 |
| Retained earnings to average equity (ytd only) | -2.5786% | 4,789 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.5760% | 80 |
| Assets per employee ($millions) | 1.7177% | 5,288 |
| 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 | 0.0000% | 5,323 |
| Total domestic deposits to total assets | 3.1807% | 5,350 |
| Equity capital to assets | 85.3736% | 19 |
| Core capital (leverage) ratio | 72.8082% | 26 |
| Tier 1 risk-based capital ratio | 56.6453% | 102 |
| Total risk-based capital ratio | 56.6453% | 105 |
| Memoranda: | ||
| Average total assets | $833,045,500 | 943 |
| Average earning assets | $580,347,500 | 1,187 |
| Average equity | $678,209,000 | 209 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8288% | 5,380 |
| Cost of funding earning assets | 0.0018% | 5,394 |
| Net interest margin | 1.8270% | 5,352 |
| Noninterest income to average assets | 55.3057% | 18 |
| Noninterest expense to average assets | 42.8616% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 10.6260% | 16 |
| Return on assets (ROA) | 10.6260% | 16 |
| Pretax return on assets | 13.7424% | 15 |
| Return on Equity (ROE) | 13.3087% | 1,230 |
| Retained earnings to average equity (ytd only) | 13.3087% | 208 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7219% | 1,401 |
| Assets per employee ($millions) | 1.9172% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 2.6871% | 5,396 |
| Equity capital to assets | 77.8261% | 27 |
| Core capital (leverage) ratio | 78.9441% | 24 |
| Tier 1 risk-based capital ratio | 54.7373% | 106 |
| Total risk-based capital ratio | 54.7373% | 117 |
| Memoranda: | ||
| Average total assets | $785,731,400 | 965 |
| Average earning assets | $558,334,200 | 1,204 |
| Average equity | $627,347,000 | 211 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6969% | 5,460 |
| Cost of funding earning assets | 0.0017% | 5,465 |
| Net interest margin | 1.6952% | 5,434 |
| Noninterest income to average assets | 52.4911% | 20 |
| Noninterest expense to average assets | 45.5013% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 6.2836% | 30 |
| Return on assets (ROA) | 6.2836% | 30 |
| Pretax return on assets | 8.1760% | 26 |
| Return on Equity (ROE) | 7.8135% | 3,623 |
| Retained earnings to average equity (ytd only) | 7.8135% | 1,743 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7683% | 597 |
| Assets per employee ($millions) | 1.6427% | 5,403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 3.1455% | 5,467 |
| Equity capital to assets | 81.2816% | 23 |
| Core capital (leverage) ratio | 79.3149% | 25 |
| Tier 1 risk-based capital ratio | 47.8133% | 152 |
| Total risk-based capital ratio | 47.8133% | 161 |
| Memoranda: | ||
| Average total assets | $763,601,750 | 981 |
| Average earning assets | $534,284,750 | 1,243 |
| Average equity | $614,085,000 | 211 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5989% | 5,523 |
| Cost of funding earning assets | 0.0019% | 5,528 |
| Net interest margin | 1.5970% | 5,506 |
| Noninterest income to average assets | 49.7703% | 21 |
| Noninterest expense to average assets | 42.9663% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 6.6811% | 29 |
| Return on assets (ROA) | 6.6811% | 29 |
| Pretax return on assets | 7.9065% | 27 |
| Return on Equity (ROE) | 8.3384% | 3,343 |
| Retained earnings to average equity (ytd only) | 8.3384% | 1,476 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4583% | 662 |
| Assets per employee ($millions) | 1.5510% | 5,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 3.1733% | 5,531 |
| Equity capital to assets | 84.8155% | 23 |
| Core capital (leverage) ratio | 84.8144% | 24 |
| Tier 1 risk-based capital ratio | 47.0162% | 157 |
| Total risk-based capital ratio | 47.0162% | 165 |
| Memoranda: | ||
| Average total assets | $758,589,330 | 989 |
| Average earning assets | $523,734,330 | 1,264 |
| Average equity | $607,816,670 | 206 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5921% | 5,590 |
| Cost of funding earning assets | 0.0015% | 5,591 |
| Net interest margin | 1.5906% | 5,574 |
| Noninterest income to average assets | 44.8924% | 23 |
| Noninterest expense to average assets | 39.5538% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 3.8389% | 52 |
| Return on assets (ROA) | 3.8389% | 52 |
| Pretax return on assets | 6.4363% | 39 |
| Return on Equity (ROE) | 4.9284% | 4,522 |
| Retained earnings to average equity (ytd only) | 4.9284% | 3,216 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0050% | 650 |
| Assets per employee ($millions) | 1.4365% | 5,543 |
| 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 | 0.0000% | 5,567 |
| Total domestic deposits to total assets | 3.2447% | 5,594 |
| Equity capital to assets | 84.8122% | 24 |
| Core capital (leverage) ratio | 70.6731% | 31 |
| Tier 1 risk-based capital ratio | 44.2984% | 181 |
| Total risk-based capital ratio | 44.2984% | 190 |
| Memoranda: | ||
| Average total assets | $771,062,000 | 986 |
| Average earning assets | $532,129,500 | 1,258 |
| Average equity | $600,603,000 | 211 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9877% | 5,654 |
| Cost of funding earning assets | 0.0119% | 5,647 |
| Net interest margin | 0.9758% | 5,651 |
| Noninterest income to average assets | 56.5544% | 19 |
| Noninterest expense to average assets | 54.5490% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.4259% | 5,510 |
| Return on assets (ROA) | -0.4259% | 5,508 |
| Pretax return on assets | 2.6663% | 143 |
| Return on Equity (ROE) | -0.5480% | 5,403 |
| Retained earnings to average equity (ytd only) | -0.5480% | 5,125 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3398% | 263 |
| Assets per employee ($millions) | 1.6646% | 5,596 |
| 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 | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 2.1333% | 5,664 |
| Equity capital to assets | 71.7105% | 29 |
| Core capital (leverage) ratio | 72.4293% | 26 |
| Tier 1 risk-based capital ratio | 39.5867% | 222 |
| Total risk-based capital ratio | 39.5867% | 241 |
| Memoranda: | ||
| Average total assets | $744,988,600 | 992 |
| Average earning assets | $504,628,000 | 1,287 |
| Average equity | $579,029,800 | 209 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9245% | 5,729 |
| Cost of funding earning assets | 0.0111% | 5,715 |
| Net interest margin | 0.9133% | 5,727 |
| Noninterest income to average assets | 55.2511% | 21 |
| Noninterest expense to average assets | 50.8940% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.6100% | 117 |
| Return on assets (ROA) | 2.6100% | 117 |
| Pretax return on assets | 4.9607% | 55 |
| Return on Equity (ROE) | 3.2860% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.2860% | 3,967 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1185% | 372 |
| Assets per employee ($millions) | 1.4781% | 5,670 |
| 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 | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 2.4736% | 5,728 |
| Equity capital to assets | 79.9024% | 25 |
| Core capital (leverage) ratio | 78.7069% | 27 |
| Tier 1 risk-based capital ratio | 41.4518% | 204 |
| Total risk-based capital ratio | 41.4518% | 219 |
| Memoranda: | ||
| Average total assets | $725,657,750 | 1,019 |
| Average earning assets | $479,550,750 | 1,368 |
| Average equity | $576,366,250 | 208 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8124% | 5,781 |
| Cost of funding earning assets | 0.0161% | 5,759 |
| Net interest margin | 0.7962% | 5,777 |
| Noninterest income to average assets | 51.8105% | 21 |
| Noninterest expense to average assets | 49.5115% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.7255% | 535 |
| Return on assets (ROA) | 1.7255% | 539 |
| Pretax return on assets | 2.8176% | 137 |
| Return on Equity (ROE) | 2.1768% | 5,314 |
| Retained earnings to average equity (ytd only) | 2.1768% | 4,377 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6156% | 290 |
| Assets per employee ($millions) | 1.5854% | 5,711 |
| 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 | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 2.6162% | 5,779 |
| Equity capital to assets | 83.5951% | 23 |
| Core capital (leverage) ratio | 82.1424% | 25 |
| Tier 1 risk-based capital ratio | 40.6092% | 202 |
| Total risk-based capital ratio | 40.6092% | 215 |
| Memoranda: | ||
| Average total assets | $723,161,670 | 1,026 |
| Average earning assets | $470,970,000 | 1,400 |
| Average equity | $573,221,330 | 212 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7734% | 5,848 |
| Cost of funding earning assets | 0.0158% | 5,821 |
| Net interest margin | 0.7576% | 5,846 |
| Noninterest income to average assets | 47.0317% | 22 |
| Noninterest expense to average assets | 50.9747% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.7376% | 5,768 |
| Return on assets (ROA) | -0.7376% | 5,766 |
| Pretax return on assets | -3.4511% | 5,835 |
| Return on Equity (ROE) | -0.9550% | 5,652 |
| Retained earnings to average equity (ytd only) | -0.9550% | 5,054 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.2619% | 153 |
| Assets per employee ($millions) | 1.5142% | 5,786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 2.5310% | 5,845 |
| Equity capital to assets | 85.3945% | 26 |
| Core capital (leverage) ratio | 67.6498% | 33 |
| Tier 1 risk-based capital ratio | 39.6167% | 229 |
| Total risk-based capital ratio | 39.6167% | 243 |
| Memoranda: | ||
| Average total assets | $739,127,000 | 1,004 |
| Average earning assets | $479,947,500 | 1,375 |
| Average equity | $570,914,500 | 211 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3981% | 5,907 |
| Cost of funding earning assets | 0.0008% | 5,895 |
| Net interest margin | 0.3973% | 5,904 |
| Noninterest income to average assets | 69.1806% | 17 |
| Noninterest expense to average assets | 57.3060% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 4.9766% | 33 |
| Return on assets (ROA) | 4.9766% | 34 |
| Pretax return on assets | 12.1382% | 22 |
| Return on Equity (ROE) | 6.6714% | 3,653 |
| Retained earnings to average equity (ytd only) | 6.6714% | 1,370 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5210% | 1,141 |
| Assets per employee ($millions) | 1.8632% | 5,811 |
| 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 | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 1.3687% | 5,908 |
| Equity capital to assets | 70.5247% | 31 |
| Core capital (leverage) ratio | 71.0876% | 27 |
| Tier 1 risk-based capital ratio | 36.7462% | 282 |
| Total risk-based capital ratio | 36.7462% | 301 |
| Memoranda: | ||
| Average total assets | $734,079,600 | 980 |
| Average earning assets | $487,021,000 | 1,300 |
| Average equity | $547,589,600 | 203 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3821% | 5,975 |
| Cost of funding earning assets | 0.0009% | 5,962 |
| Net interest margin | 0.3812% | 5,973 |
| Noninterest income to average assets | 63.4270% | 18 |
| Noninterest expense to average assets | 56.0135% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.4307% | 66 |
| Return on assets (ROA) | 3.4307% | 68 |
| Pretax return on assets | 7.6627% | 28 |
| Return on Equity (ROE) | 4.5290% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.5290% | 3,115 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9661% | 678 |
| Assets per employee ($millions) | 1.5832% | 5,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 1.6213% | 5,975 |
| Equity capital to assets | 79.2715% | 26 |
| Core capital (leverage) ratio | 77.0392% | 27 |
| Tier 1 risk-based capital ratio | 34.9346% | 337 |
| Total risk-based capital ratio | 34.9346% | 363 |
| Memoranda: | ||
| Average total assets | $714,976,750 | 1,006 |
| Average earning assets | $467,242,750 | 1,359 |
| Average equity | $541,588,000 | 205 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3839% | 6,052 |
| Cost of funding earning assets | 0.0008% | 6,039 |
| Net interest margin | 0.3831% | 6,051 |
| Noninterest income to average assets | 59.5375% | 20 |
| Noninterest expense to average assets | 54.7066% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.7425% | 530 |
| Return on assets (ROA) | 1.7425% | 563 |
| Pretax return on assets | 5.0812% | 50 |
| Return on Equity (ROE) | 2.3354% | 5,431 |
| Retained earnings to average equity (ytd only) | 2.3354% | 4,391 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5012% | 520 |
| Assets per employee ($millions) | 1.5128% | 5,985 |
| 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 | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 1.9594% | 6,052 |
| Equity capital to assets | 83.9980% | 22 |
| Core capital (leverage) ratio | 83.4674% | 22 |
| Tier 1 risk-based capital ratio | 34.4478% | 347 |
| Total risk-based capital ratio | 34.4478% | 374 |
| Memoranda: | ||
| Average total assets | $720,574,330 | 1,000 |
| Average earning assets | $470,932,330 | 1,352 |
| Average equity | $537,630,330 | 206 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4291% | 6,114 |
| Cost of funding earning assets | 0.0008% | 6,094 |
| Net interest margin | 0.4283% | 6,113 |
| Noninterest income to average assets | 64.1333% | 18 |
| Noninterest expense to average assets | 60.9064% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7492% | 3,486 |
| Return on assets (ROA) | 0.7492% | 3,592 |
| Pretax return on assets | 3.5164% | 94 |
| Return on Equity (ROE) | 1.0609% | 5,681 |
| Retained earnings to average equity (ytd only) | 1.0609% | 4,816 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5417% | 430 |
| Assets per employee ($millions) | 1.5071% | 6,048 |
| 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 | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 1.8374% | 6,116 |
| Equity capital to assets | 83.7577% | 27 |
| Core capital (leverage) ratio | 56.1762% | 35 |
| Tier 1 risk-based capital ratio | 34.3292% | 357 |
| Total risk-based capital ratio | 34.3292% | 384 |
| Memoranda: | ||
| Average total assets | $758,626,500 | 945 |
| Average earning assets | $512,750,000 | 1,259 |
| Average equity | $535,774,500 | 204 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2541% | 6,178 |
| Cost of funding earning assets | 0.0004% | 6,167 |
| Net interest margin | 0.2537% | 6,176 |
| Noninterest income to average assets | 91.0866% | 13 |
| Noninterest expense to average assets | 69.6800% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 11.6526% | 16 |
| Return on assets (ROA) | 11.6526% | 16 |
| Pretax return on assets | 21.5740% | 13 |
| Return on Equity (ROE) | 16.7045% | 484 |
| Retained earnings to average equity (ytd only) | 16.7045% | 98 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3583% | 2,213 |
| Assets per employee ($millions) | 2.1280% | 6,020 |
| 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 | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 0.2993% | 6,187 |
| Equity capital to assets | 61.0293% | 34 |
| Core capital (leverage) ratio | 63.1333% | 33 |
| Tier 1 risk-based capital ratio | 34.4666% | 348 |
| Total risk-based capital ratio | 34.4666% | 382 |
| Memoranda: | ||
| Average total assets | $702,072,800 | 990 |
| Average earning assets | $463,163,400 | 1,337 |
| Average equity | $489,747,400 | 212 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2578% | 6,264 |
| Cost of funding earning assets | 0.0006% | 6,251 |
| Net interest margin | 0.2572% | 6,261 |
| Noninterest income to average assets | 84.1595% | 16 |
| Noninterest expense to average assets | 65.9931% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 9.7524% | 18 |
| Return on assets (ROA) | 9.7524% | 18 |
| Pretax return on assets | 18.3310% | 15 |
| Return on Equity (ROE) | 13.4214% | 1,022 |
| Retained earnings to average equity (ytd only) | 13.4214% | 245 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2612% | 1,912 |
| Assets per employee ($millions) | 1.7258% | 6,169 |
| 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 | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 0.4331% | 6,273 |
| Equity capital to assets | 70.6894% | 33 |
| Core capital (leverage) ratio | 66.5007% | 31 |
| Tier 1 risk-based capital ratio | 34.6465% | 354 |
| Total risk-based capital ratio | 34.6465% | 396 |
| Memoranda: | ||
| Average total assets | $658,407,750 | 1,048 |
| Average earning assets | $421,515,000 | 1,481 |
| Average equity | $478,418,250 | 221 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2611% | 6,342 |
| Cost of funding earning assets | 0.0005% | 6,325 |
| Net interest margin | 0.2606% | 6,340 |
| Noninterest income to average assets | 88.2144% | 15 |
| Noninterest expense to average assets | 67.3983% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 11.2323% | 16 |
| Return on assets (ROA) | 11.2323% | 16 |
| Pretax return on assets | 20.9807% | 14 |
| Return on Equity (ROE) | 15.3048% | 695 |
| Retained earnings to average equity (ytd only) | 15.3048% | 178 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2605% | 2,316 |
| Assets per employee ($millions) | 1.6663% | 6,258 |
| 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 | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 0.6088% | 6,348 |
| Equity capital to assets | 76.0689% | 29 |
| Core capital (leverage) ratio | 76.8159% | 29 |
| Tier 1 risk-based capital ratio | 34.8698% | 363 |
| Total risk-based capital ratio | 34.8698% | 402 |
| Memoranda: | ||
| Average total assets | $641,437,330 | 1,079 |
| Average earning assets | $405,269,330 | 1,534 |
| Average equity | $470,753,330 | 226 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2992% | 6,409 |
| Cost of funding earning assets | 0.0010% | 6,391 |
| Net interest margin | 0.2982% | 6,407 |
| Noninterest income to average assets | 84.6355% | 15 |
| Noninterest expense to average assets | 66.7041% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 10.2873% | 17 |
| Return on assets (ROA) | 10.2873% | 17 |
| Pretax return on assets | 18.1212% | 15 |
| Return on Equity (ROE) | 14.2789% | 824 |
| Retained earnings to average equity (ytd only) | 14.2789% | 337 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6371% | 2,096 |
| Assets per employee ($millions) | 1.5430% | 6,334 |
| 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 | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 0.5049% | 6,422 |
| Equity capital to assets | 83.6337% | 24 |
| Core capital (leverage) ratio | 57.4388% | 37 |
| Tier 1 risk-based capital ratio | 212.9898% | 28 |
| Total risk-based capital ratio | 212.9898% | 28 |
| Memoranda: | ||
| Average total assets | $640,554,000 | 1,084 |
| Average earning assets | $407,720,000 | 1,534 |
| Average equity | $461,491,000 | 227 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2500% | 6,501 |
| Cost of funding earning assets | 0.0006% | 6,491 |
| Net interest margin | 0.2494% | 6,499 |
| Noninterest income to average assets | 92.2140% | 14 |
| Noninterest expense to average assets | 71.9276% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 12.1573% | 16 |
| Return on assets (ROA) | 12.1573% | 16 |
| Pretax return on assets | 20.4406% | 14 |
| Return on Equity (ROE) | 16.5614% | 546 |
| Retained earnings to average equity (ytd only) | 16.5614% | 112 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8706% | 2,225 |
| Assets per employee ($millions) | 2.0210% | 6,368 |
| 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 | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 0.1835% | 6,516 |
| Equity capital to assets | 62.9993% | 37 |
| Core capital (leverage) ratio | 62.1457% | 36 |
| Tier 1 risk-based capital ratio | 163.8741% | 31 |
| Total risk-based capital ratio | 163.8741% | 31 |
| Memoranda: | ||
| Average total assets | $561,579,600 | 1,181 |
| Average earning assets | $347,175,800 | 1,727 |
| Average equity | $412,241,800 | 233 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2491% | 6,582 |
| Cost of funding earning assets | 0.0004% | 6,571 |
| Net interest margin | 0.2487% | 6,579 |
| Noninterest income to average assets | 90.4416% | 15 |
| Noninterest expense to average assets | 71.6023% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 10.9484% | 18 |
| Return on assets (ROA) | 10.9484% | 18 |
| Pretax return on assets | 18.9881% | 15 |
| Return on Equity (ROE) | 14.2199% | 945 |
| Retained earnings to average equity (ytd only) | 14.2199% | 237 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0396% | 2,049 |
| Assets per employee ($millions) | 1.6735% | 6,493 |
| 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 | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 0.2494% | 6,596 |
| Equity capital to assets | 71.6165% | 34 |
| Core capital (leverage) ratio | 70.5670% | 32 |
| Tier 1 risk-based capital ratio | 177.8571% | 30 |
| Total risk-based capital ratio | 177.8571% | 30 |
| Memoranda: | ||
| Average total assets | $522,109,750 | 1,297 |
| Average earning assets | $312,541,500 | 1,925 |
| Average equity | $401,988,750 | 232 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2528% | 6,648 |
| Cost of funding earning assets | 0.0007% | 6,633 |
| Net interest margin | 0.2521% | 6,646 |
| Noninterest income to average assets | 81.9400% | 16 |
| Noninterest expense to average assets | 68.2227% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 7.4909% | 28 |
| Return on assets (ROA) | 7.4909% | 26 |
| Pretax return on assets | 13.8663% | 21 |
| Return on Equity (ROE) | 9.4644% | 2,385 |
| Retained earnings to average equity (ytd only) | 9.4644% | 844 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1082% | 1,616 |
| Assets per employee ($millions) | 1.3884% | 6,584 |
| 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 | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 0.3109% | 6,662 |
| Equity capital to assets | 82.8164% | 22 |
| Core capital (leverage) ratio | 82.8706% | 21 |
| Tier 1 risk-based capital ratio | 223.9302% | 23 |
| Total risk-based capital ratio | 223.9302% | 23 |
| Memoranda: | ||
| Average total assets | $497,005,000 | 1,349 |
| Average earning assets | $293,517,330 | 2,049 |
| Average equity | $393,367,000 | 231 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2871% | 6,719 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 0.2871% | 6,717 |
| Noninterest income to average assets | 77.9534% | 18 |
| Noninterest expense to average assets | 67.6106% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 5.2152% | 47 |
| Return on assets (ROA) | 5.2152% | 47 |
| Pretax return on assets | 10.5133% | 26 |
| Return on Equity (ROE) | 6.7410% | 3,611 |
| Retained earnings to average equity (ytd only) | 6.7410% | 2,168 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5427% | 1,387 |
| Assets per employee ($millions) | 1.3594% | 6,654 |
| 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 | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 0.3504% | 6,732 |
| Equity capital to assets | 87.2743% | 18 |
| Core capital (leverage) ratio | 61.2347% | 38 |
| Tier 1 risk-based capital ratio | 229.6467% | 27 |
| Total risk-based capital ratio | 229.6467% | 27 |
| Memoranda: | ||
| Average total assets | $501,838,500 | 1,346 |
| Average earning assets | $298,183,500 | 2,023 |
| Average equity | $388,252,500 | 233 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2331% | 6,799 |
| Cost of funding earning assets | 0.0008% | 6,797 |
| Net interest margin | 0.2323% | 6,796 |
| Noninterest income to average assets | 79.4617% | 18 |
| Noninterest expense to average assets | 61.6203% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 9.6274% | 23 |
| Return on assets (ROA) | 9.6274% | 23 |
| Pretax return on assets | 17.9673% | 18 |
| Return on Equity (ROE) | 12.4659% | 1,290 |
| Retained earnings to average equity (ytd only) | 12.4659% | 275 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4245% | 2,553 |
| Assets per employee ($millions) | 1.7510% | 6,685 |
| 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 | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 0.1254% | 6,816 |
| Equity capital to assets | 69.3579% | 35 |
| Core capital (leverage) ratio | 66.0694% | 36 |
| Tier 1 risk-based capital ratio | 184.9751% | 32 |
| Total risk-based capital ratio | 184.9751% | 32 |
| Memoranda: | ||
| Average total assets | $462,284,200 | 1,429 |
| Average earning assets | $250,588,600 | 2,316 |
| Average equity | $357,021,400 | 239 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2323% | 6,879 |
| Cost of funding earning assets | 0.0006% | 6,876 |
| Net interest margin | 0.2317% | 6,876 |
| Noninterest income to average assets | 70.4908% | 18 |
| Noninterest expense to average assets | 57.3306% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 7.4540% | 26 |
| Return on assets (ROA) | 7.4540% | 26 |
| Pretax return on assets | 13.2793% | 21 |
| Return on Equity (ROE) | 9.3505% | 2,463 |
| Retained earnings to average equity (ytd only) | 9.3505% | 949 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1934% | 1,945 |
| Assets per employee ($millions) | 1.4818% | 6,796 |
| 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 | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 0.1655% | 6,893 |
| Equity capital to assets | 77.9544% | 26 |
| Core capital (leverage) ratio | 70.7512% | 28 |
| Tier 1 risk-based capital ratio | 230.7016% | 25 |
| Total risk-based capital ratio | 230.7016% | 25 |
| Memoranda: | ||
| Average total assets | $439,089,250 | 1,519 |
| Average earning assets | $225,572,500 | 2,570 |
| Average equity | $350,031,500 | 242 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2309% | 6,931 |
| Cost of funding earning assets | 0.0009% | 6,922 |
| Net interest margin | 0.2300% | 6,928 |
| Noninterest income to average assets | 63.7448% | 20 |
| Noninterest expense to average assets | 55.4079% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 4.3781% | 48 |
| Return on assets (ROA) | 4.3781% | 49 |
| Pretax return on assets | 8.4520% | 30 |
| Return on Equity (ROE) | 5.4482% | 4,490 |
| Retained earnings to average equity (ytd only) | 5.4482% | 2,775 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7648% | 1,341 |
| Assets per employee ($millions) | 1.2822% | 6,863 |
| 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 | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 0.1893% | 6,944 |
| Equity capital to assets | 85.0090% | 17 |
| Core capital (leverage) ratio | 82.7890% | 19 |
| Tier 1 risk-based capital ratio | 233.9116% | 22 |
| Total risk-based capital ratio | 233.9116% | 22 |
| Memoranda: | ||
| Average total assets | $429,368,330 | 1,551 |
| Average earning assets | $214,769,670 | 2,695 |
| Average equity | $345,034,330 | 246 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2534% | 7,008 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 0.2534% | 7,003 |
| Noninterest income to average assets | 54.0293% | 23 |
| Noninterest expense to average assets | 46.4184% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 3.9054% | 65 |
| Return on assets (ROA) | 3.9054% | 68 |
| Pretax return on assets | 7.7405% | 36 |
| Return on Equity (ROE) | 4.9957% | 4,573 |
| Retained earnings to average equity (ytd only) | 4.9957% | 3,238 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7078% | 1,550 |
| Assets per employee ($millions) | 1.1975% | 6,945 |
| 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 | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 0.3876% | 7,019 |
| Equity capital to assets | 92.2764% | 8 |
| Core capital (leverage) ratio | 63.1184% | 31 |
| Tier 1 risk-based capital ratio | 265.3077% | 22 |
| Total risk-based capital ratio | 265.3077% | 21 |
| Memoranda: | ||
| Average total assets | $438,266,000 | 1,535 |
| Average earning assets | $224,111,000 | 2,624 |
| Average equity | $342,614,500 | 252 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2342% | 7,071 |
| Cost of funding earning assets | 0.0074% | 7,065 |
| Net interest margin | 0.2268% | 7,069 |
| Noninterest income to average assets | 76.4016% | 17 |
| Noninterest expense to average assets | 59.3716% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 10.1303% | 23 |
| Return on assets (ROA) | 10.1303% | 23 |
| Pretax return on assets | 17.1385% | 19 |
| Return on Equity (ROE) | 13.4491% | 1,114 |
| Retained earnings to average equity (ytd only) | 13.4491% | 226 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5997% | 2,509 |
| Assets per employee ($millions) | 1.6068% | 6,975 |
| 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 | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 0.2348% | 7,085 |
| Equity capital to assets | 67.6994% | 34 |
| Core capital (leverage) ratio | 62.2185% | 33 |
| Tier 1 risk-based capital ratio | 173.1936% | 36 |
| Total risk-based capital ratio | 173.1936% | 36 |
| Memoranda: | ||
| Average total assets | $421,321,000 | 1,558 |
| Average earning assets | $201,517,400 | 2,828 |
| Average equity | $317,352,400 | 263 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2424% | 7,172 |
| Cost of funding earning assets | 0.0104% | 7,161 |
| Net interest margin | 0.2321% | 7,173 |
| Noninterest income to average assets | 66.5102% | 18 |
| Noninterest expense to average assets | 50.9152% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 9.5731% | 23 |
| Return on assets (ROA) | 9.5731% | 23 |
| Pretax return on assets | 15.6995% | 19 |
| Return on Equity (ROE) | 12.3183% | 1,529 |
| Retained earnings to average equity (ytd only) | 12.3183% | 483 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4324% | 2,605 |
| Assets per employee ($millions) | 1.2890% | 7,101 |
| 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 | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 0.3079% | 7,181 |
| Equity capital to assets | 80.1740% | 21 |
| Core capital (leverage) ratio | 66.6803% | 31 |
| Tier 1 risk-based capital ratio | 219.0802% | 30 |
| Total risk-based capital ratio | 219.0802% | 31 |
| Memoranda: | ||
| Average total assets | $400,920,750 | 1,647 |
| Average earning assets | $180,376,500 | 3,112 |
| Average equity | $311,571,750 | 266 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2337% | 7,237 |
| Cost of funding earning assets | 0.0158% | 7,221 |
| Net interest margin | 0.2179% | 7,237 |
| Noninterest income to average assets | 70.5705% | 18 |
| Noninterest expense to average assets | 53.7773% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 10.3019% | 16 |
| Return on assets (ROA) | 10.3019% | 16 |
| Pretax return on assets | 16.8900% | 16 |
| Return on Equity (ROE) | 13.4006% | 1,256 |
| Retained earnings to average equity (ytd only) | 13.4006% | 399 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0993% | 2,727 |
| Assets per employee ($millions) | 1.2963% | 7,162 |
| 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 | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 0.3244% | 7,248 |
| Equity capital to assets | 82.6844% | 19 |
| Core capital (leverage) ratio | 80.3779% | 16 |
| Tier 1 risk-based capital ratio | 226.1676% | 23 |
| Total risk-based capital ratio | 226.1676% | 23 |
| Memoranda: | ||
| Average total assets | $398,781,330 | 1,660 |
| Average earning assets | $177,136,670 | 3,175 |
| Average equity | $306,569,000 | 268 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2684% | 7,298 |
| Cost of funding earning assets | 0.0291% | 7,281 |
| Net interest margin | 0.2393% | 7,298 |
| Noninterest income to average assets | 52.6199% | 20 |
| Noninterest expense to average assets | 42.9105% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 5.7031% | 40 |
| Return on assets (ROA) | 5.7031% | 43 |
| Pretax return on assets | 9.8148% | 32 |
| Return on Equity (ROE) | 7.6944% | 3,413 |
| Retained earnings to average equity (ytd only) | 7.6944% | 2,093 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3850% | 2,021 |
| Assets per employee ($millions) | 1.2102% | 7,234 |
| 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 | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 0.3713% | 7,309 |
| Equity capital to assets | 87.7117% | 14 |
| Core capital (leverage) ratio | 51.7452% | 33 |
| Tier 1 risk-based capital ratio | 219.5470% | 20 |
| Total risk-based capital ratio | 219.5470% | 20 |
| Memoranda: | ||
| Average total assets | $405,672,000 | 1,633 |
| Average earning assets | $178,859,500 | 3,158 |
| Average equity | $300,686,000 | 268 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2424% | 7,348 |
| Cost of funding earning assets | 0.0058% | 7,343 |
| Net interest margin | 0.2366% | 7,347 |
| Noninterest income to average assets | 71.2572% | 17 |
| Noninterest expense to average assets | 49.2404% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 13.7444% | 10 |
| Return on assets (ROA) | 13.7444% | 10 |
| Pretax return on assets | 22.1187% | 10 |
| Return on Equity (ROE) | 20.4885% | 248 |
| Retained earnings to average equity (ytd only) | 20.4885% | 42 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0036% | 4,147 |
| Assets per employee ($millions) | 1.6382% | 7,245 |
| 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 | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 0.1846% | 7,359 |
| Equity capital to assets | 64.0094% | 34 |
| Core capital (leverage) ratio | 48.2700% | 37 |
| Tier 1 risk-based capital ratio | 141.5577% | 39 |
| Total risk-based capital ratio | 141.5577% | 39 |
| Memoranda: | ||
| Average total assets | $397,450,200 | 1,632 |
| Average earning assets | $171,170,000 | 3,216 |
| Average equity | $266,623,000 | 293 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2487% | 7,426 |
| Cost of funding earning assets | 0.0017% | 7,422 |
| Net interest margin | 0.2470% | 7,422 |
| Noninterest income to average assets | 66.9677% | 20 |
| Noninterest expense to average assets | 46.1618% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 13.0970% | 11 |
| Return on assets (ROA) | 13.0970% | 11 |
| Pretax return on assets | 20.9082% | 11 |
| Return on Equity (ROE) | 19.2538% | 361 |
| Retained earnings to average equity (ytd only) | 19.2538% | 87 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8263% | 4,153 |
| Assets per employee ($millions) | 1.4724% | 7,345 |
| 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 | 0.2013% | 7,438 |
| Equity capital to assets | 67.5643% | 37 |
| Core capital (leverage) ratio | 44.5469% | 46 |
| Tier 1 risk-based capital ratio | 143.8384% | 43 |
| Total risk-based capital ratio | 143.8384% | 43 |
| Memoranda: | ||
| Average total assets | $380,504,000 | 1,710 |
| Average earning assets | $157,612,000 | 3,472 |
| Average equity | $258,830,250 | 301 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2446% | 7,501 |
| Cost of funding earning assets | 0.0013% | 7,492 |
| Net interest margin | 0.2433% | 7,498 |
| Noninterest income to average assets | 64.2582% | 21 |
| Noninterest expense to average assets | 46.2342% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 11.3089% | 15 |
| Return on assets (ROA) | 11.3089% | 15 |
| Pretax return on assets | 18.1221% | 13 |
| Return on Equity (ROE) | 16.5832% | 600 |
| Retained earnings to average equity (ytd only) | 16.5832% | 180 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8410% | 3,769 |
| Assets per employee ($millions) | 1.3943% | 7,420 |
| 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 | 0.2125% | 7,516 |
| Equity capital to assets | 69.6170% | 36 |
| Core capital (leverage) ratio | 47.1363% | 48 |
| Tier 1 risk-based capital ratio | 129.2458% | 45 |
| Total risk-based capital ratio | 129.2458% | 45 |
| Memoranda: | ||
| Average total assets | $368,930,330 | 1,775 |
| Average earning assets | $148,788,000 | 3,640 |
| Average equity | $251,592,330 | 303 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2595% | 7,563 |
| Cost of funding earning assets | 0.0028% | 7,554 |
| Net interest margin | 0.2568% | 7,558 |
| Noninterest income to average assets | 55.0496% | 22 |
| Noninterest expense to average assets | 46.9026% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 4.8548% | 53 |
| Return on assets (ROA) | 4.8548% | 54 |
| Pretax return on assets | 8.2492% | 38 |
| Return on Equity (ROE) | 7.1972% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.1972% | 2,069 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0427% | 1,836 |
| Assets per employee ($millions) | 1.3773% | 7,484 |
| 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 | 0.2388% | 7,578 |
| Equity capital to assets | 74.2798% | 31 |
| Core capital (leverage) ratio | 35.8865% | 59 |
| Tier 1 risk-based capital ratio | 121.9108% | 47 |
| Total risk-based capital ratio | 121.9108% | 47 |
| Memoranda: | ||
| Average total assets | $363,766,500 | 1,807 |
| Average earning assets | $144,879,500 | 3,733 |
| Average equity | $245,374,500 | 304 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2121% | 7,639 |
| Cost of funding earning assets | 0.0065% | 7,635 |
| Net interest margin | 0.2056% | 7,629 |
| Noninterest income to average assets | 69.9197% | 19 |
| Noninterest expense to average assets | 59.3463% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 6.4790% | 24 |
| Return on assets (ROA) | 6.4790% | 25 |
| Pretax return on assets | 10.6171% | 19 |
| Return on Equity (ROE) | 8.1733% | 2,630 |
| Retained earnings to average equity (ytd only) | 8.1733% | 926 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8248% | 1,820 |
| Assets per employee ($millions) | 1.6847% | 7,518 |
| 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 | 0.1484% | 7,658 |
| Equity capital to assets | 61.6826% | 42 |
| Core capital (leverage) ratio | 46.8410% | 49 |
| Tier 1 risk-based capital ratio | 90.3490% | 55 |
| Total risk-based capital ratio | 90.3490% | 55 |
| Memoranda: | ||
| Average total assets | $290,521,800 | 2,209 |
| Average earning assets | $61,760,800 | 5,933 |
| Average equity | $230,298,200 | 312 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2358% | 7,750 |
| Cost of funding earning assets | 0.0120% | 7,736 |
| Net interest margin | 0.2239% | 7,741 |
| Noninterest income to average assets | 57.1392% | 21 |
| Noninterest expense to average assets | 50.3023% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 4.0342% | 43 |
| Return on assets (ROA) | 4.0342% | 44 |
| Pretax return on assets | 6.8651% | 32 |
| Return on Equity (ROE) | 4.7007% | 4,451 |
| Retained earnings to average equity (ytd only) | 4.7007% | 3,192 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9912% | 1,449 |
| Assets per employee ($millions) | 1.2684% | 7,677 |
| 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 | 0.2212% | 7,764 |
| Equity capital to assets | 81.0568% | 26 |
| Core capital (leverage) ratio | 51.3293% | 48 |
| Tier 1 risk-based capital ratio | 95.5742% | 60 |
| Total risk-based capital ratio | 95.5742% | 60 |
| Memoranda: | ||
| Average total assets | $264,596,500 | 2,449 |
| Average earning assets | $33,352,000 | 7,051 |
| Average equity | $227,081,000 | 310 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2204% | 7,820 |
| Cost of funding earning assets | 0.0163% | 7,802 |
| Net interest margin | 0.2041% | 7,812 |
| Noninterest income to average assets | 51.5400% | 25 |
| Noninterest expense to average assets | 47.0843% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.4895% | 140 |
| Return on assets (ROA) | 2.4895% | 144 |
| Pretax return on assets | 4.4751% | 63 |
| Return on Equity (ROE) | 2.8421% | 5,315 |
| Retained earnings to average equity (ytd only) | 2.8421% | 4,334 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3205% | 1,235 |
| Assets per employee ($millions) | 1.1668% | 7,754 |
| 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 | 0.3317% | 7,832 |
| Equity capital to assets | 84.4233% | 22 |
| Core capital (leverage) ratio | 66.9027% | 36 |
| Tier 1 risk-based capital ratio | 84.4307% | 64 |
| Total risk-based capital ratio | 84.4307% | 64 |
| Memoranda: | ||
| Average total assets | $257,245,000 | 2,535 |
| Average earning assets | $24,499,670 | 7,420 |
| Average equity | $225,324,670 | 313 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3289% | 7,920 |
| Cost of funding earning assets | 0.0219% | 7,904 |
| Net interest margin | 0.3069% | 7,906 |
| Noninterest income to average assets | 38.8702% | 28 |
| Noninterest expense to average assets | 38.9084% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.4142% | 6,773 |
| Return on assets (ROA) | -0.4142% | 6,806 |
| Pretax return on assets | -0.0159% | 6,378 |
| Return on Equity (ROE) | -0.4638% | 6,461 |
| Retained earnings to average equity (ytd only) | -0.4638% | 5,937 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0410% | 836 |
| Assets per employee ($millions) | 1.1820% | 7,858 |
| 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 | 0.3261% | 7,935 |
| Equity capital to assets | 91.5825% | 10 |
| Core capital (leverage) ratio | 63.7649% | 35 |
| Tier 1 risk-based capital ratio | 79.4059% | 66 |
| Total risk-based capital ratio | 79.4059% | 68 |
| Memoranda: | ||
| Average total assets | $251,102,500 | 2,641 |
| Average earning assets | $18,244,500 | 7,702 |
| Average equity | $224,214,000 | 317 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0843% | 8,010 |
| Cost of funding earning assets | 0.0457% | 7,983 |
| Net interest margin | 0.0387% | 8,004 |
| Noninterest income to average assets | 26.4783% | 39 |
| Noninterest expense to average assets | 26.4350% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -0.5028% | 6,182 |
| Return on assets (ROA) | -0.5028% | 6,176 |
| Pretax return on assets | 0.0476% | 5,337 |
| Return on Equity (ROE) | -0.5895% | 5,637 |
| Retained earnings to average equity (ytd only) | -0.5895% | 5,137 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8203% | 1,110 |
| Assets per employee ($millions) | 1.2501% | 7,933 |
| 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 | 0.2342% | 8,012 |
| Equity capital to assets | 87.1154% | 19 |
| Core capital (leverage) ratio | 70.3539% | 36 |
| Tier 1 risk-based capital ratio | 87.5125% | 66 |
| Total risk-based capital ratio | 87.5125% | 68 |
| Memoranda: | ||
| Average total assets | $256,383,400 | 2,551 |
| Average earning assets | $28,453,800 | 7,414 |
| Average equity | $218,661,600 | 329 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0801% | 8,096 |
| Cost of funding earning assets | 0.0565% | 8,063 |
| Net interest margin | 0.0236% | 8,089 |
| Noninterest income to average assets | 17.9146% | 44 |
| Noninterest expense to average assets | 29.7853% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -9.0093% | 8,027 |
| Return on assets (ROA) | -9.0093% | 8,028 |
| Pretax return on assets | -11.8681% | 8,057 |
| Return on Equity (ROE) | -10.6208% | 6,936 |
| Retained earnings to average equity (ytd only) | -10.6208% | 6,861 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 166.2386% | 254 |
| Assets per employee ($millions) | 1.1214% | 8,024 |
| 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 | 0.2633% | 8,098 |
| Equity capital to assets | 88.4650% | 20 |
| Core capital (leverage) ratio | 51.6825% | 51 |
| Tier 1 risk-based capital ratio | 56.3514% | 131 |
| Total risk-based capital ratio | 56.3514% | 134 |
| Memoranda: | ||
| Average total assets | $256,098,000 | 2,561 |
| Average earning assets | $28,304,500 | 7,488 |
| Average equity | $217,241,000 | 345 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0820% | 8,192 |
| Cost of funding earning assets | 0.0601% | 8,154 |
| Net interest margin | 0.0219% | 8,179 |
| Noninterest income to average assets | 16.1473% | 49 |
| Noninterest expense to average assets | 25.8056% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -7.2146% | 8,065 |
| Return on assets (ROA) | -7.2146% | 8,052 |
| Pretax return on assets | -9.6552% | 8,092 |
| Return on Equity (ROE) | -8.6153% | 6,939 |
| Retained earnings to average equity (ytd only) | -8.6153% | 6,731 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 159.7834% | 327 |
| Assets per employee ($millions) | 1.1564% | 8,116 |
| 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 | 0.3911% | 8,193 |
| Equity capital to assets | 91.1813% | 12 |
| Core capital (leverage) ratio | 76.9796% | 31 |
| Tier 1 risk-based capital ratio | 68.0829% | 109 |
| Total risk-based capital ratio | 68.0829% | 109 |
| Memoranda: | ||
| Average total assets | $262,966,670 | 2,507 |
| Average earning assets | $36,602,000 | 7,190 |
| Average equity | $220,212,000 | 343 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1040% | 8,246 |
| Cost of funding earning assets | 0.0594% | 8,213 |
| Net interest margin | 0.0446% | 8,231 |
| Noninterest income to average assets | 6.8831% | 99 |
| Noninterest expense to average assets | 20.6332% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -9.8244% | 8,170 |
| Return on assets (ROA) | -9.8244% | 8,161 |
| Pretax return on assets | -13.7415% | 8,192 |
| Return on Equity (ROE) | -12.1974% | 7,487 |
| Retained earnings to average equity (ytd only) | -12.1974% | 7,280 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 299.3900% | 85 |
| Assets per employee ($millions) | 1.0562% | 8,180 |
| 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 | 0.6713% | 8,241 |
| Equity capital to assets | 93.7606% | 4 |
| Core capital (leverage) ratio | 38.0275% | 101 |
| Tier 1 risk-based capital ratio | 78.1309% | 91 |
| Total risk-based capital ratio | 78.1309% | 91 |
| Memoranda: | ||
| Average total assets | $275,924,000 | 2,415 |
| Average earning assets | $53,859,000 | 6,508 |
| Average equity | $222,244,500 | 336 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3653% | 8,251 |
| Cost of funding earning assets | 0.6643% | 8,159 |
| Net interest margin | 0.7009% | 8,250 |
| Noninterest income to average assets | 24.3709% | 44 |
| Noninterest expense to average assets | 23.7144% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3442% | 5,379 |
| Return on assets (ROA) | 0.3442% | 5,196 |
| Pretax return on assets | 0.7876% | 4,117 |
| Return on Equity (ROE) | 0.5642% | 6,050 |
| Retained earnings to average equity (ytd only) | -14.9636% | 7,454 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7858% | 1,109 |
| Assets per employee ($millions) | 1.4216% | 8,178 |
| Cash dividends to net income (ytd only)* | 2,752.2936% | 12 |
| 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 | 0.3282% | 8,302 |
| Equity capital to assets | 70.8584% | 45 |
| Core capital (leverage) ratio | 44.2798% | 95 |
| Tier 1 risk-based capital ratio | 111.5519% | 72 |
| Total risk-based capital ratio | 111.5519% | 72 |
| Memoranda: | ||
| Average total assets | $380,038,800 | 1,778 |
| Average earning assets | $71,048,600 | 5,778 |
| Average equity | $231,842,800 | 328 |
| Average total loans | NA | NA |