Home > Members Trust Company > Performance and Condition Ratios
Members Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3885% | 3,301 |
| Cost of funding earning assets | 0.0814% | 4,486 |
| Net interest margin | 4.3071% | 803 |
| Noninterest income to average assets | 71.1100% | 37 |
| Noninterest expense to average assets | 76.9796% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | -2.6621% | 4,579 |
| Return on assets (ROA) | -2.6621% | 4,575 |
| Pretax return on assets | -2.6621% | 4,573 |
| Return on Equity (ROE) | -3.3000% | 4,447 |
| Retained earnings to average equity (ytd only) | -3.2974% | 4,341 |
| 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 | 103.3276% | 157 |
| Assets per employee ($millions) | 0.7089% | 4,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 1.2200% | 4,531 |
| Equity capital to assets | 79.7101% | 104 |
| Core capital (leverage) ratio | 88.0988% | 40 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $41,246,000 | 4,386 |
| Average earning assets | $30,716,400 | 4,414 |
| Average equity | $33,299,400 | 2,128 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3207% | 3,254 |
| Cost of funding earning assets | 0.0828% | 4,516 |
| Net interest margin | 4.2380% | 876 |
| Noninterest income to average assets | 71.2700% | 37 |
| Noninterest expense to average assets | 76.6537% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | -2.2287% | 4,602 |
| Return on assets (ROA) | -2.2287% | 4,601 |
| Pretax return on assets | -2.2384% | 4,597 |
| Return on Equity (ROE) | -2.7500% | 4,467 |
| Retained earnings to average equity (ytd only) | -2.7518% | 4,358 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 102.6998% | 147 |
| Assets per employee ($millions) | 0.6765% | 4,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 1.2300% | 4,565 |
| Equity capital to assets | 80.4435% | 103 |
| Core capital (leverage) ratio | 87.4457% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $41,279,000 | 4,399 |
| Average earning assets | $30,611,250 | 4,440 |
| Average equity | $33,431,250 | 2,106 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2202% | 3,255 |
| Cost of funding earning assets | 0.0780% | 4,530 |
| Net interest margin | 4.1421% | 1,016 |
| Noninterest income to average assets | 71.5000% | 35 |
| Noninterest expense to average assets | 77.7332% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | -3.1656% | 4,636 |
| Return on assets (ROA) | -3.1656% | 4,636 |
| Pretax return on assets | -3.1656% | 4,633 |
| Return on Equity (ROE) | -3.9000% | 4,529 |
| Retained earnings to average equity (ytd only) | -3.9002% | 4,384 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 103.8124% | 127 |
| Assets per employee ($millions) | 0.7037% | 4,565 |
| 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 | 1.2300% | 4,586 |
| Equity capital to assets | 81.4099% | 96 |
| Core capital (leverage) ratio | 86.3248% | 47 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $41,508,667 | 4,424 |
| Average earning assets | $30,757,000 | 4,466 |
| Average equity | $33,691,000 | 2,110 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 3,044 |
| Cost of funding earning assets | 0.0775% | 4,559 |
| Net interest margin | 4.1226% | 1,064 |
| Noninterest income to average assets | 68.4700% | 39 |
| Noninterest expense to average assets | 76.2596% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | -4.7399% | 4,669 |
| Return on assets (ROA) | -4.7399% | 4,667 |
| Pretax return on assets | -4.7399% | 4,665 |
| Return on Equity (ROE) | -5.8500% | 4,561 |
| Retained earnings to average equity (ytd only) | -5.8484% | 4,361 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 106.4671% | 121 |
| Assets per employee ($millions) | 0.7295% | 4,629 |
| 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 | 1.2000% | 4,630 |
| Equity capital to assets | 81.4415% | 54 |
| Core capital (leverage) ratio | 85.5018% | 45 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $41,857,000 | 4,487 |
| Average earning assets | $30,951,500 | 4,528 |
| Average equity | $33,924,000 | 2,129 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1580% | 4,585 |
| Cost of funding earning assets | 0.0279% | 4,613 |
| Net interest margin | 2.1302% | 4,504 |
| Noninterest income to average assets | 71.7500% | 37 |
| Noninterest expense to average assets | 76.2786% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | -3.1959% | 4,701 |
| Return on assets (ROA) | -3.1959% | 4,700 |
| Pretax return on assets | -2.7910% | 4,694 |
| Return on Equity (ROE) | -3.5500% | 4,612 |
| Retained earnings to average equity (ytd only) | -3.5536% | 4,540 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 103.3503% | 129 |
| Assets per employee ($millions) | 0.6901% | 4,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 1.3200% | 4,661 |
| Equity capital to assets | 86.7617% | 40 |
| Core capital (leverage) ratio | 91.2549% | 33 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $39,519,600 | 4,532 |
| Average earning assets | $32,298,000 | 4,549 |
| Average equity | $35,541,800 | 2,085 |
| Average total loans | $0 | 4,639 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3507% | 4,722 |
| Cost of funding earning assets | 0.0061% | 4,746 |
| Net interest margin | 1.3446% | 4,699 |
| Noninterest income to average assets | 71.3482% | 14 |
| Noninterest expense to average assets | 69.9116% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.1226% | 182 |
| Return on assets (ROA) | 2.1226% | 178 |
| Pretax return on assets | 2.5352% | 160 |
| Return on Equity (ROE) | 2.3398% | 4,315 |
| Retained earnings to average equity (ytd only) | 2.3398% | 3,658 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0546% | 248 |
| Assets per employee ($millions) | 0.8752% | 4,737 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 1.2696% | 4,766 |
| Equity capital to assets | 91.2223% | 14 |
| Core capital (leverage) ratio | 96.1059% | 13 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,233,667 | 4,608 |
| Average earning assets | $32,871,333 | 4,635 |
| Average equity | $36,498,667 | 2,142 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1328% | 4,755 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 1.1328% | 4,739 |
| Noninterest income to average assets | 71.2328% | 16 |
| Noninterest expense to average assets | 69.0481% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 3.1056% | 72 |
| Return on assets (ROA) | 3.1056% | 71 |
| Pretax return on assets | 3.1056% | 94 |
| Return on Equity (ROE) | 3.4315% | 4,010 |
| Retained earnings to average equity (ytd only) | 3.4315% | 3,139 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2478% | 355 |
| Assets per employee ($millions) | 0.8837% | 4,761 |
| 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 | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 1.2574% | 4,793 |
| Equity capital to assets | 92.1891% | 10 |
| Core capital (leverage) ratio | 91.9088% | 16 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,829,500 | 4,627 |
| Average earning assets | $33,193,500 | 4,662 |
| Average equity | $36,952,000 | 2,180 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1745% | 4,776 |
| Cost of funding earning assets | 0.0030% | 4,815 |
| Net interest margin | 1.1716% | 4,761 |
| Noninterest income to average assets | 68.4616% | 16 |
| Noninterest expense to average assets | 67.3968% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 1.9838% | 346 |
| Return on assets (ROA) | 1.9838% | 371 |
| Pretax return on assets | 2.0300% | 572 |
| Return on Equity (ROE) | 2.1976% | 4,477 |
| Retained earnings to average equity (ytd only) | 2.1976% | 3,921 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6209% | 191 |
| Assets per employee ($millions) | 0.9107% | 4,805 |
| 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 | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 1.1935% | 4,836 |
| Equity capital to assets | 88.9029% | 12 |
| Core capital (leverage) ratio | 90.4877% | 12 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $41,134,000 | 4,649 |
| Average earning assets | $33,885,600 | 4,681 |
| Average equity | $37,131,600 | 2,193 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1976% | 4,857 |
| Cost of funding earning assets | 0.0000% | 4,892 |
| Net interest margin | 1.1976% | 4,843 |
| Noninterest income to average assets | 68.0457% | 16 |
| Noninterest expense to average assets | 65.5383% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 3.4388% | 89 |
| Return on assets (ROA) | 3.4388% | 91 |
| Pretax return on assets | 3.5006% | 121 |
| Return on Equity (ROE) | 3.7947% | 4,335 |
| Retained earnings to average equity (ytd only) | 3.7947% | 3,641 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4672% | 223 |
| Assets per employee ($millions) | 0.9587% | 4,879 |
| 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 | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 1.2128% | 4,912 |
| Equity capital to assets | 91.1682% | 11 |
| Core capital (leverage) ratio | 91.6790% | 16 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,944,000 | 4,720 |
| Average earning assets | $33,956,750 | 4,748 |
| Average equity | $37,103,250 | 2,221 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2151% | 4,890 |
| Cost of funding earning assets | 0.0000% | 4,930 |
| Net interest margin | 1.2151% | 4,878 |
| Noninterest income to average assets | 67.5985% | 17 |
| Noninterest expense to average assets | 65.4933% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.0257% | 126 |
| Return on assets (ROA) | 3.0257% | 133 |
| Pretax return on assets | 3.1187% | 165 |
| Return on Equity (ROE) | 3.3457% | 4,426 |
| Retained earnings to average equity (ytd only) | 3.3457% | 3,734 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9907% | 236 |
| Assets per employee ($millions) | 0.9553% | 4,914 |
| 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 | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 1.2172% | 4,948 |
| Equity capital to assets | 90.8055% | 13 |
| Core capital (leverage) ratio | 92.2802% | 16 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,850,000 | 4,755 |
| Average earning assets | $34,071,000 | 4,778 |
| Average equity | $36,942,667 | 2,221 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2256% | 4,926 |
| Cost of funding earning assets | 0.0000% | 4,958 |
| Net interest margin | 1.2256% | 4,909 |
| Noninterest income to average assets | 64.7803% | 17 |
| Noninterest expense to average assets | 64.1137% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 1.6960% | 944 |
| Return on assets (ROA) | 1.6960% | 993 |
| Pretax return on assets | 1.6960% | 1,501 |
| Return on Equity (ROE) | 1.8676% | 4,620 |
| Retained earnings to average equity (ytd only) | 1.8676% | 4,038 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9462% | 234 |
| Assets per employee ($millions) | 0.8693% | 4,943 |
| 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 | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 1.2503% | 4,976 |
| Equity capital to assets | 92.4479% | 9 |
| Core capital (leverage) ratio | 90.8637% | 15 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,802,500 | 4,776 |
| Average earning assets | $34,269,000 | 4,795 |
| Average equity | $37,052,000 | 2,202 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5972% | 4,944 |
| Cost of funding earning assets | 0.0057% | 4,982 |
| Net interest margin | 1.5914% | 4,910 |
| Noninterest income to average assets | 59.7649% | 17 |
| Noninterest expense to average assets | 59.4215% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.7392% | 453 |
| Return on assets (ROA) | 1.7392% | 491 |
| Pretax return on assets | 1.7024% | 853 |
| Return on Equity (ROE) | 1.9371% | 4,574 |
| Retained earnings to average equity (ytd only) | 1.9371% | 3,855 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7935% | 222 |
| Assets per employee ($millions) | 0.9678% | 4,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 1.2015% | 4,998 |
| Equity capital to assets | 89.2325% | 13 |
| Core capital (leverage) ratio | 89.3519% | 14 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $40,766,400 | 4,762 |
| Average earning assets | $34,811,600 | 4,780 |
| Average equity | $36,600,600 | 2,150 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7160% | 4,986 |
| Cost of funding earning assets | 0.0077% | 5,016 |
| Net interest margin | 1.7084% | 4,942 |
| Noninterest income to average assets | 59.0211% | 18 |
| Noninterest expense to average assets | 58.8633% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.6702% | 620 |
| Return on assets (ROA) | 1.6702% | 688 |
| Pretax return on assets | 1.6208% | 1,129 |
| Return on Equity (ROE) | 1.8573% | 4,574 |
| Retained earnings to average equity (ytd only) | 1.8573% | 3,980 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8908% | 207 |
| Assets per employee ($millions) | 0.9406% | 4,998 |
| 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 | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 1.2082% | 5,030 |
| Equity capital to assets | 89.6243% | 10 |
| Core capital (leverage) ratio | 89.6276% | 15 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 573.2887% | 3 |
| Memoranda: | ||
| Average total assets | $40,554,000 | 4,792 |
| Average earning assets | $34,730,250 | 4,811 |
| Average equity | $36,467,000 | 2,140 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9319% | 5,022 |
| Cost of funding earning assets | 0.0116% | 5,049 |
| Net interest margin | 1.9203% | 4,965 |
| Noninterest income to average assets | 58.0679% | 17 |
| Noninterest expense to average assets | 58.5049% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.0279% | 2,228 |
| Return on assets (ROA) | 1.0279% | 2,354 |
| Pretax return on assets | 1.2116% | 2,329 |
| Return on Equity (ROE) | 1.1418% | 4,666 |
| Retained earnings to average equity (ytd only) | 1.1418% | 4,061 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5387% | 214 |
| Assets per employee ($millions) | 0.9480% | 5,029 |
| 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 | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 1.2265% | 5,064 |
| Equity capital to assets | 90.1560% | 13 |
| Core capital (leverage) ratio | 89.6190% | 15 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 554.4657% | 2 |
| Memoranda: | ||
| Average total assets | $40,277,000 | 4,819 |
| Average earning assets | $34,577,667 | 4,834 |
| Average equity | $36,259,000 | 2,141 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3059% | 5,067 |
| Cost of funding earning assets | 0.0233% | 5,090 |
| Net interest margin | 2.2826% | 4,928 |
| Noninterest income to average assets | 55.3350% | 17 |
| Noninterest expense to average assets | 56.0944% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.9292% | 2,420 |
| Return on assets (ROA) | 0.9292% | 2,532 |
| Pretax return on assets | 1.1990% | 2,200 |
| Return on Equity (ROE) | 1.0330% | 4,625 |
| Retained earnings to average equity (ytd only) | 1.0330% | 3,734 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9072% | 277 |
| Assets per employee ($millions) | 1.0540% | 5,073 |
| 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 | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 1.2484% | 5,112 |
| Equity capital to assets | 90.8617% | 16 |
| Core capital (leverage) ratio | 87.8587% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 610.1498% | 1 |
| Memoranda: | ||
| Average total assets | $40,032,500 | 4,853 |
| Average earning assets | $34,347,000 | 4,874 |
| Average equity | $36,012,000 | 2,138 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6536% | 5,108 |
| Cost of funding earning assets | 0.0333% | 5,152 |
| Net interest margin | 2.6203% | 4,892 |
| Noninterest income to average assets | 56.4858% | 19 |
| Noninterest expense to average assets | 56.5900% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9909% | 2,879 |
| Return on assets (ROA) | 0.9909% | 2,960 |
| Pretax return on assets | 2.0962% | 482 |
| Return on Equity (ROE) | 1.0941% | 4,905 |
| Retained earnings to average equity (ytd only) | 0.1206% | 4,652 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4281% | 203 |
| Assets per employee ($millions) | 1.1251% | 5,130 |
| Cash dividends to net income (ytd only)* | 88.9744% | 549 |
| 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 | 1.2345% | 5,174 |
| Equity capital to assets | 88.4104% | 19 |
| Core capital (leverage) ratio | 88.2553% | 19 |
| Tier 1 risk-based capital ratio | 556.7723% | 5 |
| Total risk-based capital ratio | 556.7723% | 5 |
| Memoranda: | ||
| Average total assets | $39,356,800 | 4,902 |
| Average earning assets | $33,049,200 | 4,945 |
| Average equity | $35,645,600 | 2,111 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7193% | 5,192 |
| Cost of funding earning assets | 0.0366% | 5,228 |
| Net interest margin | 2.6828% | 4,950 |
| Noninterest income to average assets | 55.9146% | 18 |
| Noninterest expense to average assets | 55.3311% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.7472% | 681 |
| Return on assets (ROA) | 1.7472% | 717 |
| Pretax return on assets | 2.8358% | 141 |
| Return on Equity (ROE) | 1.9173% | 4,904 |
| Retained earnings to average equity (ytd only) | 0.6179% | 4,640 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1247% | 214 |
| Assets per employee ($millions) | 1.2170% | 5,205 |
| Cash dividends to net income (ytd only)* | 67.7741% | 1,026 |
| 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 | 1.2450% | 5,254 |
| Equity capital to assets | 89.8780% | 13 |
| Core capital (leverage) ratio | 90.7003% | 16 |
| Tier 1 risk-based capital ratio | 567.4787% | 4 |
| Total risk-based capital ratio | 567.4787% | 4 |
| Memoranda: | ||
| Average total assets | $39,070,500 | 4,981 |
| Average earning assets | $32,801,250 | 5,022 |
| Average equity | $35,605,000 | 2,126 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7638% | 5,249 |
| Cost of funding earning assets | 0.0369% | 5,274 |
| Net interest margin | 2.7269% | 4,980 |
| Noninterest income to average assets | 55.7259% | 17 |
| Noninterest expense to average assets | 55.4830% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.4829% | 1,194 |
| Return on assets (ROA) | 1.4829% | 1,244 |
| Pretax return on assets | 2.5370% | 226 |
| Return on Equity (ROE) | 1.6196% | 4,991 |
| Retained earnings to average equity (ytd only) | -0.3386% | 4,739 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6274% | 208 |
| Assets per employee ($millions) | 1.3062% | 5,246 |
| Cash dividends to net income (ytd only)* | 120.9059% | 241 |
| 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 | 1.2759% | 5,300 |
| Equity capital to assets | 91.0889% | 12 |
| Core capital (leverage) ratio | 91.6488% | 17 |
| Tier 1 risk-based capital ratio | 619.6219% | 2 |
| Total risk-based capital ratio | 619.6219% | 2 |
| Memoranda: | ||
| Average total assets | $38,707,330 | 5,028 |
| Average earning assets | $32,564,000 | 5,066 |
| Average equity | $35,441,670 | 2,121 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7508% | 5,312 |
| Cost of funding earning assets | 0.0372% | 5,336 |
| Net interest margin | 2.7136% | 5,052 |
| Noninterest income to average assets | 54.1031% | 19 |
| Noninterest expense to average assets | 51.8527% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 3.5543% | 67 |
| Return on assets (ROA) | 3.5543% | 70 |
| Pretax return on assets | 4.5533% | 57 |
| Return on Equity (ROE) | 3.8538% | 4,608 |
| Retained earnings to average equity (ytd only) | 3.8538% | 3,377 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9277% | 331 |
| Assets per employee ($millions) | 1.3148% | 5,307 |
| 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 | 1.3114% | 5,359 |
| Equity capital to assets | 92.8006% | 9 |
| Core capital (leverage) ratio | 101.2002% | 3 |
| Tier 1 risk-based capital ratio | 647.3964% | 2 |
| Total risk-based capital ratio | 647.3964% | 2 |
| Memoranda: | ||
| Average total assets | $38,038,500 | 5,090 |
| Average earning assets | $32,282,000 | 5,127 |
| Average equity | $35,082,500 | 2,137 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5072% | 5,342 |
| Cost of funding earning assets | 0.0284% | 5,377 |
| Net interest margin | 2.4788% | 5,225 |
| Noninterest income to average assets | 54.5710% | 19 |
| Noninterest expense to average assets | 50.0111% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 5.6637% | 32 |
| Return on assets (ROA) | 5.6637% | 32 |
| Pretax return on assets | 6.6943% | 31 |
| Return on Equity (ROE) | 6.1370% | 4,133 |
| Retained earnings to average equity (ytd only) | 5.1206% | 2,706 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1947% | 424 |
| Assets per employee ($millions) | 1.3553% | 5,350 |
| Cash dividends to net income (ytd only)* | 16.5627% | 3,613 |
| 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 | 1.3176% | 5,401 |
| Equity capital to assets | 91.6546% | 12 |
| Core capital (leverage) ratio | 95.2140% | 12 |
| Tier 1 risk-based capital ratio | 669.8668% | 3 |
| Total risk-based capital ratio | 669.8668% | 3 |
| Memoranda: | ||
| Average total assets | $36,777,800 | 5,147 |
| Average earning assets | $31,668,800 | 5,171 |
| Average equity | $33,941,600 | 2,116 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4284% | 5,418 |
| Cost of funding earning assets | 0.0296% | 5,448 |
| Net interest margin | 2.3988% | 5,320 |
| Noninterest income to average assets | 54.9765% | 19 |
| Noninterest expense to average assets | 49.5570% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 6.4609% | 28 |
| Return on assets (ROA) | 6.4609% | 28 |
| Pretax return on assets | 7.4951% | 30 |
| Return on Equity (ROE) | 6.9883% | 3,938 |
| Retained earnings to average equity (ytd only) | 5.6247% | 2,869 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8627% | 470 |
| Assets per employee ($millions) | 1.3274% | 5,423 |
| Cash dividends to net income (ytd only)* | 19.5137% | 3,032 |
| 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 | 1.3452% | 5,474 |
| Equity capital to assets | 91.8747% | 10 |
| Core capital (leverage) ratio | 96.2187% | 11 |
| Tier 1 risk-based capital ratio | 667.8679% | 4 |
| Total risk-based capital ratio | 667.8679% | 4 |
| Memoranda: | ||
| Average total assets | $36,485,000 | 5,216 |
| Average earning assets | $31,570,000 | 5,242 |
| Average equity | $33,731,500 | 2,130 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3245% | 5,486 |
| Cost of funding earning assets | 0.0253% | 5,511 |
| Net interest margin | 2.2991% | 5,416 |
| Noninterest income to average assets | 54.6262% | 19 |
| Noninterest expense to average assets | 48.7515% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 6.8400% | 28 |
| Return on assets (ROA) | 6.8400% | 28 |
| Pretax return on assets | 7.8770% | 28 |
| Return on Equity (ROE) | 7.3826% | 3,770 |
| Retained earnings to average equity (ytd only) | 5.3285% | 2,923 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0900% | 562 |
| Assets per employee ($millions) | 1.4050% | 5,481 |
| Cash dividends to net income (ytd only)* | 27.8226% | 2,667 |
| 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 | 1.3687% | 5,538 |
| Equity capital to assets | 92.5130% | 11 |
| Core capital (leverage) ratio | 96.8128% | 10 |
| Tier 1 risk-based capital ratio | 657.5666% | 4 |
| Total risk-based capital ratio | 657.5666% | 4 |
| Memoranda: | ||
| Average total assets | $36,257,330 | 5,282 |
| Average earning assets | $31,577,000 | 5,311 |
| Average equity | $33,592,670 | 2,141 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2169% | 5,560 |
| Cost of funding earning assets | 0.0253% | 5,578 |
| Net interest margin | 2.1916% | 5,506 |
| Noninterest income to average assets | 54.5515% | 19 |
| Noninterest expense to average assets | 48.2329% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 7.3000% | 24 |
| Return on assets (ROA) | 7.3000% | 24 |
| Pretax return on assets | 8.2263% | 26 |
| Return on Equity (ROE) | 7.8728% | 3,435 |
| Retained earnings to average equity (ytd only) | 7.8728% | 1,891 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4297% | 684 |
| Assets per employee ($millions) | 1.4585% | 5,542 |
| 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 | 1.3713% | 5,602 |
| Equity capital to assets | 92.3758% | 10 |
| Core capital (leverage) ratio | 96.0145% | 9 |
| Tier 1 risk-based capital ratio | 621.2445% | 5 |
| Total risk-based capital ratio | 621.2445% | 5 |
| Memoranda: | ||
| Average total assets | $36,274,000 | 5,342 |
| Average earning assets | $31,575,500 | 5,362 |
| Average equity | $33,635,000 | 2,152 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0188% | 5,609 |
| Cost of funding earning assets | 0.0170% | 5,644 |
| Net interest margin | 2.0018% | 5,573 |
| Noninterest income to average assets | 50.1933% | 21 |
| Noninterest expense to average assets | 45.5734% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 6.1417% | 26 |
| Return on assets (ROA) | 6.1417% | 26 |
| Pretax return on assets | 6.2988% | 33 |
| Return on Equity (ROE) | 6.5688% | 3,498 |
| Retained earnings to average equity (ytd only) | 4.9991% | 2,128 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8571% | 541 |
| Assets per employee ($millions) | 1.2028% | 5,616 |
| Cash dividends to net income (ytd only)* | 23.8959% | 3,540 |
| 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 | 1.3856% | 5,667 |
| Equity capital to assets | 93.0775% | 8 |
| Core capital (leverage) ratio | 95.1723% | 8 |
| Tier 1 risk-based capital ratio | 651.7733% | 4 |
| Total risk-based capital ratio | 651.7733% | 4 |
| Memoranda: | ||
| Average total assets | $35,022,600 | 5,411 |
| Average earning assets | $29,374,000 | 5,450 |
| Average equity | $32,745,600 | 2,186 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9806% | 5,681 |
| Cost of funding earning assets | 0.0185% | 5,710 |
| Net interest margin | 1.9622% | 5,649 |
| Noninterest income to average assets | 49.5351% | 23 |
| Noninterest expense to average assets | 44.1492% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 6.8397% | 25 |
| Return on assets (ROA) | 6.8397% | 25 |
| Pretax return on assets | 7.0123% | 35 |
| Return on Equity (ROE) | 7.3068% | 3,490 |
| Retained earnings to average equity (ytd only) | 5.2004% | 2,744 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2938% | 615 |
| Assets per employee ($millions) | 1.2376% | 5,679 |
| Cash dividends to net income (ytd only)* | 28.8280% | 2,799 |
| 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 | 1.3931% | 5,733 |
| Equity capital to assets | 92.7334% | 11 |
| Core capital (leverage) ratio | 95.8751% | 9 |
| Tier 1 risk-based capital ratio | 659.7118% | 3 |
| Total risk-based capital ratio | 659.7118% | 3 |
| Memoranda: | ||
| Average total assets | $34,757,000 | 5,475 |
| Average earning assets | $28,811,250 | 5,519 |
| Average equity | $32,535,250 | 2,207 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9784% | 5,731 |
| Cost of funding earning assets | 0.0143% | 5,762 |
| Net interest margin | 1.9641% | 5,698 |
| Noninterest income to average assets | 48.5524% | 23 |
| Noninterest expense to average assets | 43.5901% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 6.3527% | 28 |
| Return on assets (ROA) | 6.3527% | 28 |
| Pretax return on assets | 6.5563% | 37 |
| Return on Equity (ROE) | 6.7645% | 3,682 |
| Retained earnings to average equity (ytd only) | 3.5805% | 3,572 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9258% | 612 |
| Assets per employee ($millions) | 1.2894% | 5,729 |
| Cash dividends to net income (ytd only)* | 47.0696% | 1,991 |
| 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 | 1.4362% | 5,784 |
| Equity capital to assets | 93.6633% | 6 |
| Core capital (leverage) ratio | 94.4596% | 12 |
| Tier 1 risk-based capital ratio | 667.8780% | 3 |
| Total risk-based capital ratio | 667.8780% | 3 |
| Memoranda: | ||
| Average total assets | $34,379,330 | 5,528 |
| Average earning assets | $27,901,000 | 5,578 |
| Average equity | $32,286,330 | 2,213 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9454% | 5,801 |
| Cost of funding earning assets | 0.0147% | 5,822 |
| Net interest margin | 1.9307% | 5,766 |
| Noninterest income to average assets | 46.9169% | 24 |
| Noninterest expense to average assets | 41.8588% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 6.4984% | 29 |
| Return on assets (ROA) | 6.4984% | 29 |
| Pretax return on assets | 6.5920% | 37 |
| Return on Equity (ROE) | 6.9103% | 3,439 |
| Retained earnings to average equity (ytd only) | 6.9103% | 1,881 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3944% | 774 |
| Assets per employee ($millions) | 1.2823% | 5,798 |
| 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 | 1.4441% | 5,850 |
| Equity capital to assets | 93.6430% | 7 |
| Core capital (leverage) ratio | 96.7673% | 7 |
| Tier 1 risk-based capital ratio | 655.0244% | 4 |
| Total risk-based capital ratio | 655.0244% | 4 |
| Memoranda: | ||
| Average total assets | $34,162,500 | 5,597 |
| Average earning assets | $27,141,000 | 5,653 |
| Average equity | $32,126,000 | 2,231 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8572% | 5,852 |
| Cost of funding earning assets | 0.0000% | 5,897 |
| Net interest margin | 1.8572% | 5,826 |
| Noninterest income to average assets | 45.5341% | 25 |
| Noninterest expense to average assets | 40.7380% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 6.2244% | 25 |
| Return on assets (ROA) | 6.2244% | 26 |
| Pretax return on assets | 6.3206% | 37 |
| Return on Equity (ROE) | 6.6082% | 3,686 |
| Retained earnings to average equity (ytd only) | 4.9833% | 2,355 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5687% | 782 |
| Assets per employee ($millions) | 1.2509% | 5,853 |
| Cash dividends to net income (ytd only)* | 24.5894% | 3,542 |
| 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 | 1.4805% | 5,906 |
| Equity capital to assets | 94.4541% | 5 |
| Core capital (leverage) ratio | 95.6538% | 7 |
| Tier 1 risk-based capital ratio | 413.6927% | 11 |
| Total risk-based capital ratio | 413.6927% | 11 |
| Memoranda: | ||
| Average total assets | $33,256,400 | 5,666 |
| Average earning assets | $27,299,600 | 5,705 |
| Average equity | $31,324,600 | 2,269 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8681% | 5,919 |
| Cost of funding earning assets | 0.0000% | 5,963 |
| Net interest margin | 1.8681% | 5,889 |
| Noninterest income to average assets | 45.1621% | 26 |
| Noninterest expense to average assets | 41.1011% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 5.5059% | 30 |
| Return on assets (ROA) | 5.5059% | 31 |
| Pretax return on assets | 5.6025% | 43 |
| Return on Equity (ROE) | 5.8496% | 4,144 |
| Retained earnings to average equity (ytd only) | 3.6731% | 3,693 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0041% | 674 |
| Assets per employee ($millions) | 1.3012% | 5,922 |
| Cash dividends to net income (ytd only)* | 37.2077% | 2,469 |
| 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 | 1.4779% | 5,977 |
| Equity capital to assets | 94.0351% | 8 |
| Core capital (leverage) ratio | 94.4317% | 11 |
| Tier 1 risk-based capital ratio | 359.7333% | 12 |
| Total risk-based capital ratio | 359.7333% | 12 |
| Memoranda: | ||
| Average total assets | $33,127,250 | 5,728 |
| Average earning assets | $27,334,750 | 5,762 |
| Average equity | $31,180,750 | 2,294 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8657% | 6,000 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 1.8657% | 5,971 |
| Noninterest income to average assets | 45.2684% | 24 |
| Noninterest expense to average assets | 41.7357% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 4.9798% | 36 |
| Return on assets (ROA) | 4.9798% | 36 |
| Pretax return on assets | 5.0771% | 51 |
| Return on Equity (ROE) | 5.2890% | 4,393 |
| Retained earnings to average equity (ytd only) | 2.0019% | 4,561 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1544% | 645 |
| Assets per employee ($millions) | 1.3385% | 5,998 |
| Cash dividends to net income (ytd only)* | 62.1490% | 1,447 |
| 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 | 1.4942% | 6,055 |
| Equity capital to assets | 93.8169% | 8 |
| Core capital (leverage) ratio | 95.2743% | 8 |
| Tier 1 risk-based capital ratio | 399.2868% | 11 |
| Total risk-based capital ratio | 399.2868% | 11 |
| Memoranda: | ||
| Average total assets | $32,892,670 | 5,802 |
| Average earning assets | $27,228,000 | 5,835 |
| Average equity | $30,970,000 | 2,310 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9547% | 6,058 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 1.9547% | 6,023 |
| Noninterest income to average assets | 43.9531% | 24 |
| Noninterest expense to average assets | 39.9361% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 5.5402% | 37 |
| Return on assets (ROA) | 5.5402% | 36 |
| Pretax return on assets | 5.6385% | 42 |
| Return on Equity (ROE) | 5.8740% | 4,046 |
| Retained earnings to average equity (ytd only) | 5.8740% | 2,434 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6280% | 844 |
| Assets per employee ($millions) | 1.2228% | 6,066 |
| 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 | 1.5144% | 6,119 |
| Equity capital to assets | 94.5087% | 7 |
| Core capital (leverage) ratio | 95.5198% | 6 |
| Tier 1 risk-based capital ratio | 395.0088% | 13 |
| Total risk-based capital ratio | 395.0088% | 13 |
| Memoranda: | ||
| Average total assets | $32,562,000 | 5,869 |
| Average earning assets | $27,012,500 | 5,897 |
| Average equity | $30,711,500 | 2,325 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2550% | 6,065 |
| Cost of funding earning assets | 0.0000% | 6,168 |
| Net interest margin | 2.2550% | 5,970 |
| Noninterest income to average assets | 45.4811% | 25 |
| Noninterest expense to average assets | 41.3710% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 5.8584% | 35 |
| Return on assets (ROA) | 5.8584% | 34 |
| Pretax return on assets | 5.9696% | 43 |
| Return on Equity (ROE) | 6.3100% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.3100% | 1,651 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3900% | 879 |
| Assets per employee ($millions) | 1.2843% | 6,122 |
| 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 | 1.5572% | 6,173 |
| Equity capital to assets | 94.1198% | 7 |
| Core capital (leverage) ratio | 95.5887% | 6 |
| Tier 1 risk-based capital ratio | 403.2461% | 12 |
| Total risk-based capital ratio | 403.2461% | 12 |
| Memoranda: | ||
| Average total assets | $31,459,200 | 5,938 |
| Average earning assets | $25,942,600 | 5,968 |
| Average equity | $29,207,600 | 2,376 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3396% | 6,139 |
| Cost of funding earning assets | 0.0000% | 6,253 |
| Net interest margin | 2.3396% | 6,011 |
| Noninterest income to average assets | 45.3408% | 26 |
| Noninterest expense to average assets | 41.1190% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 6.0537% | 35 |
| Return on assets (ROA) | 6.0537% | 35 |
| Pretax return on assets | 6.1474% | 40 |
| Return on Equity (ROE) | 6.5434% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.5434% | 1,931 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9941% | 937 |
| Assets per employee ($millions) | 1.2939% | 6,206 |
| 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 | 1.5457% | 6,261 |
| Equity capital to assets | 93.1307% | 9 |
| Core capital (leverage) ratio | 96.3578% | 9 |
| Tier 1 risk-based capital ratio | 394.0450% | 14 |
| Total risk-based capital ratio | 394.0450% | 14 |
| Memoranda: | ||
| Average total assets | $31,297,000 | 6,020 |
| Average earning assets | $25,759,000 | 6,054 |
| Average equity | $28,954,500 | 2,408 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4105% | 6,194 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 2.4105% | 6,036 |
| Noninterest income to average assets | 45.8461% | 27 |
| Noninterest expense to average assets | 41.4838% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 6.2429% | 38 |
| Return on assets (ROA) | 6.2429% | 38 |
| Pretax return on assets | 6.3399% | 46 |
| Return on Equity (ROE) | 6.7637% | 3,753 |
| Retained earnings to average equity (ytd only) | 6.7637% | 1,808 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7432% | 997 |
| Assets per employee ($millions) | 1.3022% | 6,286 |
| 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 | 1.5999% | 6,337 |
| Equity capital to assets | 92.3365% | 5 |
| Core capital (leverage) ratio | 93.8376% | 8 |
| Tier 1 risk-based capital ratio | 378.3244% | 14 |
| Total risk-based capital ratio | 378.3244% | 14 |
| Memoranda: | ||
| Average total assets | $30,947,000 | 6,092 |
| Average earning assets | $25,389,330 | 6,122 |
| Average equity | $28,564,330 | 2,448 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5066% | 6,222 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 2.5066% | 6,005 |
| Noninterest income to average assets | 44.6313% | 26 |
| Noninterest expense to average assets | 39.0979% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 7.4689% | 29 |
| Return on assets (ROA) | 7.4689% | 30 |
| Pretax return on assets | 7.5598% | 39 |
| Return on Equity (ROE) | 8.0935% | 2,914 |
| Retained earnings to average equity (ytd only) | 8.0935% | 1,536 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7973% | 1,403 |
| Assets per employee ($millions) | 1.2521% | 6,353 |
| 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 | 1.5973% | 6,408 |
| Equity capital to assets | 92.3330% | 7 |
| Core capital (leverage) ratio | 95.1401% | 7 |
| Tier 1 risk-based capital ratio | 347.1260% | 14 |
| Total risk-based capital ratio | 347.1260% | 14 |
| Memoranda: | ||
| Average total assets | $30,794,500 | 6,160 |
| Average earning assets | $24,894,500 | 6,197 |
| Average equity | $28,418,000 | 2,475 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8440% | 6,178 |
| Cost of funding earning assets | 0.0000% | 6,493 |
| Net interest margin | 2.8440% | 5,737 |
| Noninterest income to average assets | 45.6558% | 24 |
| Noninterest expense to average assets | 42.1382% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 5.7596% | 35 |
| Return on assets (ROA) | 5.7596% | 35 |
| Pretax return on assets | 5.8604% | 46 |
| Return on Equity (ROE) | 6.4819% | 3,909 |
| Retained earnings to average equity (ytd only) | 6.4819% | 1,655 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7906% | 1,010 |
| Assets per employee ($millions) | 1.2434% | 6,441 |
| 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 | 1.6755% | 6,498 |
| Equity capital to assets | 92.1118% | 8 |
| Core capital (leverage) ratio | 92.3101% | 7 |
| Tier 1 risk-based capital ratio | 455.4862% | 7 |
| Total risk-based capital ratio | 455.4862% | 7 |
| Memoranda: | ||
| Average total assets | $28,769,600 | 6,272 |
| Average earning assets | $23,698,800 | 6,300 |
| Average equity | $25,563,400 | 2,606 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8917% | 6,210 |
| Cost of funding earning assets | 0.0000% | 6,574 |
| Net interest margin | 2.8917% | 5,717 |
| Noninterest income to average assets | 45.8350% | 24 |
| Noninterest expense to average assets | 41.0635% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 7.1059% | 27 |
| Return on assets (ROA) | 7.1059% | 27 |
| Pretax return on assets | 7.1526% | 38 |
| Return on Equity (ROE) | 8.0746% | 3,164 |
| Retained earnings to average equity (ytd only) | 8.0746% | 1,322 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1654% | 1,271 |
| Assets per employee ($millions) | 1.2272% | 6,520 |
| 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 | 1.6977% | 6,579 |
| Equity capital to assets | 91.2196% | 8 |
| Core capital (leverage) ratio | 93.0945% | 6 |
| Tier 1 risk-based capital ratio | 458.0424% | 5 |
| Total risk-based capital ratio | 458.0424% | 5 |
| Memoranda: | ||
| Average total assets | $28,501,500 | 6,352 |
| Average earning assets | $23,469,000 | 6,381 |
| Average equity | $25,082,250 | 2,667 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9265% | 6,239 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 2.9265% | 5,681 |
| Noninterest income to average assets | 45.4502% | 24 |
| Noninterest expense to average assets | 40.1637% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 7.6495% | 25 |
| Return on assets (ROA) | 7.6495% | 24 |
| Pretax return on assets | 7.7063% | 34 |
| Return on Equity (ROE) | 8.8044% | 2,693 |
| Retained earnings to average equity (ytd only) | 8.8044% | 1,047 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9016% | 1,530 |
| Assets per employee ($millions) | 1.2751% | 6,590 |
| 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 | 1.7049% | 6,645 |
| Equity capital to assets | 86.9540% | 12 |
| Core capital (leverage) ratio | 88.4655% | 9 |
| Tier 1 risk-based capital ratio | 428.9364% | 9 |
| Total risk-based capital ratio | 428.9364% | 9 |
| Memoranda: | ||
| Average total assets | $28,184,670 | 6,422 |
| Average earning assets | $23,304,330 | 6,453 |
| Average equity | $24,487,670 | 2,710 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9509% | 6,284 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 2.9509% | 5,643 |
| Noninterest income to average assets | 42.1098% | 26 |
| Noninterest expense to average assets | 38.9085% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 5.6639% | 41 |
| Return on assets (ROA) | 5.6639% | 41 |
| Pretax return on assets | 5.6639% | 52 |
| Return on Equity (ROE) | 6.5218% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.5218% | 2,272 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2928% | 1,308 |
| Assets per employee ($millions) | 1.2170% | 6,663 |
| 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 | 1.7864% | 6,715 |
| Equity capital to assets | 86.3237% | 21 |
| Core capital (leverage) ratio | 90.3150% | 10 |
| Tier 1 risk-based capital ratio | 442.2587% | 11 |
| Total risk-based capital ratio | 442.2587% | 11 |
| Memoranda: | ||
| Average total assets | $27,613,500 | 6,503 |
| Average earning assets | $23,044,000 | 6,526 |
| Average equity | $23,981,000 | 2,756 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6597% | 6,566 |
| Cost of funding earning assets | 0.0000% | 6,798 |
| Net interest margin | 2.6597% | 6,192 |
| Noninterest income to average assets | 38.3603% | 26 |
| Noninterest expense to average assets | 36.5134% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 4.2254% | 60 |
| Return on assets (ROA) | 4.3837% | 58 |
| Pretax return on assets | 4.3837% | 65 |
| Return on Equity (ROE) | 4.8188% | 4,707 |
| Retained earnings to average equity (ytd only) | 4.8188% | 2,717 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6281% | 1,053 |
| Assets per employee ($millions) | 1.2380% | 6,742 |
| 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 | 1.8357% | 6,798 |
| Equity capital to assets | 87.3811% | 16 |
| Core capital (leverage) ratio | 91.4401% | 10 |
| Tier 1 risk-based capital ratio | 452.8621% | 9 |
| Total risk-based capital ratio | 452.8621% | 9 |
| Memoranda: | ||
| Average total assets | $26,530,000 | 6,595 |
| Average earning assets | $23,724,800 | 6,584 |
| Average equity | $24,134,600 | 2,716 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5759% | 6,670 |
| Cost of funding earning assets | 0.0000% | 6,877 |
| Net interest margin | 2.5759% | 6,342 |
| Noninterest income to average assets | 36.5891% | 25 |
| Noninterest expense to average assets | 35.5418% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 3.3847% | 86 |
| Return on assets (ROA) | 3.5972% | 71 |
| Pretax return on assets | 3.5972% | 89 |
| Return on Equity (ROE) | 3.9143% | 5,259 |
| Retained earnings to average equity (ytd only) | 3.9143% | 3,904 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3049% | 899 |
| Assets per employee ($millions) | 1.3416% | 6,813 |
| 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 | 1.7747% | 6,876 |
| Equity capital to assets | 88.2090% | 13 |
| Core capital (leverage) ratio | 90.7858% | 8 |
| Tier 1 risk-based capital ratio | 391.3403% | 13 |
| Total risk-based capital ratio | 391.3403% | 13 |
| Memoranda: | ||
| Average total assets | $26,353,250 | 6,674 |
| Average earning assets | $23,913,500 | 6,657 |
| Average equity | $24,218,250 | 2,736 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5438% | 6,720 |
| Cost of funding earning assets | 0.0000% | 6,924 |
| Net interest margin | 2.5438% | 6,396 |
| Noninterest income to average assets | 34.0087% | 26 |
| Noninterest expense to average assets | 33.6514% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 2.7033% | 139 |
| Return on assets (ROA) | 3.0296% | 114 |
| Pretax return on assets | 3.0296% | 144 |
| Return on Equity (ROE) | 3.2491% | 5,521 |
| Retained earnings to average equity (ytd only) | 3.2491% | 4,237 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5641% | 855 |
| Assets per employee ($millions) | 1.2427% | 6,866 |
| 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 | 1.9160% | 6,928 |
| Equity capital to assets | 90.7572% | 12 |
| Core capital (leverage) ratio | 92.5774% | 6 |
| Tier 1 risk-based capital ratio | 484.3424% | 5 |
| Total risk-based capital ratio | 484.3424% | 5 |
| Memoranda: | ||
| Average total assets | $25,746,330 | 6,736 |
| Average earning assets | $23,743,670 | 6,708 |
| Average equity | $24,007,000 | 2,770 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3989% | 6,841 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 2.3989% | 6,600 |
| Noninterest income to average assets | 33.5843% | 26 |
| Noninterest expense to average assets | 33.7094% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.1274% | 277 |
| Return on assets (ROA) | 2.7843% | 129 |
| Pretax return on assets | 2.7843% | 191 |
| Return on Equity (ROE) | 2.9460% | 5,604 |
| Retained earnings to average equity (ytd only) | 2.9460% | 4,515 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0637% | 833 |
| Assets per employee ($millions) | 1.1628% | 6,949 |
| 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 | 1.9545% | 7,002 |
| Equity capital to assets | 94.2225% | 6 |
| Core capital (leverage) ratio | 93.6010% | 8 |
| Tier 1 risk-based capital ratio | 502.2022% | 5 |
| Total risk-based capital ratio | 502.2022% | 5 |
| Memoranda: | ||
| Average total assets | $25,571,500 | 6,807 |
| Average earning assets | $24,011,000 | 6,766 |
| Average equity | $24,168,500 | 2,790 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6575% | 6,889 |
| Cost of funding earning assets | 0.0000% | 7,072 |
| Net interest margin | 2.6575% | 6,577 |
| Noninterest income to average assets | 28.8172% | 30 |
| Noninterest expense to average assets | 30.0930% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.2444% | 1,462 |
| Return on assets (ROA) | 1.7233% | 663 |
| Pretax return on assets | 1.7233% | 1,084 |
| Return on Equity (ROE) | 1.8195% | 5,956 |
| Retained earnings to average equity (ytd only) | 1.8195% | 4,942 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0291% | 709 |
| Assets per employee ($millions) | 1.1619% | 7,014 |
| 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 | 1.9561% | 7,068 |
| Equity capital to assets | 94.8046% | 3 |
| Core capital (leverage) ratio | 92.9854% | 5 |
| Tier 1 risk-based capital ratio | 574.1063% | 6 |
| Total risk-based capital ratio | 574.1063% | 6 |
| Memoranda: | ||
| Average total assets | $25,474,400 | 6,859 |
| Average earning assets | $24,158,400 | 6,812 |
| Average equity | $24,127,400 | 2,737 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7005% | 6,997 |
| Cost of funding earning assets | 0.0000% | 7,171 |
| Net interest margin | 2.7005% | 6,643 |
| Noninterest income to average assets | 28.2608% | 31 |
| Noninterest expense to average assets | 28.9942% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.8282% | 537 |
| Return on assets (ROA) | 2.4777% | 196 |
| Pretax return on assets | 2.4777% | 307 |
| Return on Equity (ROE) | 2.6167% | 5,840 |
| Retained earnings to average equity (ytd only) | 2.6167% | 4,997 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0687% | 769 |
| Assets per employee ($millions) | 1.1697% | 7,109 |
| 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 | 1.9430% | 7,170 |
| Equity capital to assets | 94.7152% | 5 |
| Core capital (leverage) ratio | 92.4885% | 8 |
| Tier 1 risk-based capital ratio | 577.5540% | 6 |
| Total risk-based capital ratio | 577.5540% | 6 |
| Memoranda: | ||
| Average total assets | $25,452,750 | 6,944 |
| Average earning assets | $24,142,500 | 6,901 |
| Average equity | $24,101,000 | 2,768 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7598% | 7,056 |
| Cost of funding earning assets | 0.0000% | 7,233 |
| Net interest margin | 2.7598% | 6,633 |
| Noninterest income to average assets | 28.0926% | 30 |
| Noninterest expense to average assets | 29.0942% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.6247% | 800 |
| Return on assets (ROA) | 1.8613% | 573 |
| Pretax return on assets | 1.8613% | 919 |
| Return on Equity (ROE) | 1.9658% | 6,052 |
| Retained earnings to average equity (ytd only) | 1.9658% | 5,214 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7112% | 770 |
| Assets per employee ($millions) | 1.1601% | 7,175 |
| 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 | 1.9591% | 7,238 |
| Equity capital to assets | 94.8750% | 4 |
| Core capital (leverage) ratio | 92.3360% | 6 |
| Tier 1 risk-based capital ratio | 671.7788% | 3 |
| Total risk-based capital ratio | 671.7788% | 3 |
| Memoranda: | ||
| Average total assets | $25,359,000 | 7,001 |
| Average earning assets | $24,132,000 | 6,955 |
| Average equity | $24,010,000 | 2,767 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8141% | 7,106 |
| Cost of funding earning assets | 0.0000% | 7,293 |
| Net interest margin | 2.8141% | 6,614 |
| Noninterest income to average assets | 26.6640% | 29 |
| Noninterest expense to average assets | 28.1832% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.1710% | 1,821 |
| Return on assets (ROA) | 1.3925% | 1,379 |
| Pretax return on assets | 1.3925% | 2,213 |
| Return on Equity (ROE) | 1.4723% | 6,230 |
| Retained earnings to average equity (ytd only) | 1.4723% | 5,501 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0108% | 720 |
| Assets per employee ($millions) | 1.1969% | 7,235 |
| 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 | 1.9893% | 7,299 |
| Equity capital to assets | 94.8954% | 3 |
| Core capital (leverage) ratio | 93.1646% | 4 |
| Tier 1 risk-based capital ratio | 700.8680% | 2 |
| Total risk-based capital ratio | 700.8680% | 2 |
| Memoranda: | ||
| Average total assets | $25,277,500 | 7,069 |
| Average earning assets | $24,164,000 | 7,012 |
| Average equity | $23,908,000 | 2,770 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0627% | 7,162 |
| Cost of funding earning assets | 0.0500% | 7,328 |
| Net interest margin | 3.0127% | 6,509 |
| Noninterest income to average assets | 25.7617% | 28 |
| Noninterest expense to average assets | 28.4927% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.1684% | 5,680 |
| Return on assets (ROA) | 0.2286% | 5,642 |
| Pretax return on assets | 0.2286% | 5,718 |
| Return on Equity (ROE) | 0.2428% | 6,108 |
| Retained earnings to average equity (ytd only) | 0.2428% | 5,717 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4123% | 697 |
| Assets per employee ($millions) | 1.3379% | 7,278 |
| 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 | 1.9669% | 7,347 |
| Equity capital to assets | 94.2725% | 3 |
| Core capital (leverage) ratio | 94.1255% | 3 |
| Tier 1 risk-based capital ratio | 440.1698% | 6 |
| Total risk-based capital ratio | 440.1698% | 6 |
| Memoranda: | ||
| Average total assets | $24,936,200 | 7,104 |
| Average earning assets | $23,998,600 | 7,041 |
| Average equity | $23,476,800 | 2,732 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1179% | 7,227 |
| Cost of funding earning assets | 0.0503% | 7,402 |
| Net interest margin | 3.0676% | 6,453 |
| Noninterest income to average assets | 25.5216% | 32 |
| Noninterest expense to average assets | 28.5358% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | -0.0645% | 6,241 |
| Return on assets (ROA) | -0.0645% | 6,334 |
| Pretax return on assets | -0.0645% | 6,297 |
| Return on Equity (ROE) | -0.0685% | 6,271 |
| Retained earnings to average equity (ytd only) | -0.0685% | 5,974 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2265% | 652 |
| Assets per employee ($millions) | 1.3317% | 7,354 |
| 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 | 1.9761% | 7,428 |
| Equity capital to assets | 94.3601% | 6 |
| Core capital (leverage) ratio | 94.2196% | 5 |
| Tier 1 risk-based capital ratio | 440.8643% | 8 |
| Total risk-based capital ratio | 440.8643% | 8 |
| Memoranda: | ||
| Average total assets | $24,815,000 | 7,177 |
| Average earning assets | $23,861,500 | 7,117 |
| Average equity | $23,354,750 | 2,745 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1380% | 7,304 |
| Cost of funding earning assets | 0.0506% | 7,473 |
| Net interest margin | 3.0874% | 6,434 |
| Noninterest income to average assets | 25.2873% | 32 |
| Noninterest expense to average assets | 29.7493% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | -1.4927% | 7,095 |
| Return on assets (ROA) | -1.4927% | 7,107 |
| Pretax return on assets | -1.4927% | 7,067 |
| Return on Equity (ROE) | -1.5875% | 6,474 |
| Retained earnings to average equity (ytd only) | -1.5875% | 6,171 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.2828% | 578 |
| Assets per employee ($millions) | 1.2341% | 7,434 |
| 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 | 2.0258% | 7,503 |
| Equity capital to assets | 94.1534% | 6 |
| Core capital (leverage) ratio | 94.1176% | 7 |
| Tier 1 risk-based capital ratio | 445.2845% | 8 |
| Total risk-based capital ratio | 445.2845% | 8 |
| Memoranda: | ||
| Average total assets | $24,652,670 | 7,249 |
| Average earning assets | $23,709,000 | 7,195 |
| Average equity | $23,181,330 | 2,745 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0907% | 7,379 |
| Cost of funding earning assets | 0.0507% | 7,538 |
| Net interest margin | 3.0400% | 6,491 |
| Noninterest income to average assets | 24.3197% | 35 |
| Noninterest expense to average assets | 27.5991% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | -0.3572% | 6,711 |
| Return on assets (ROA) | -0.3572% | 6,716 |
| Pretax return on assets | -0.3572% | 6,655 |
| Return on Equity (ROE) | -0.3801% | 6,420 |
| Retained earnings to average equity (ytd only) | -0.3801% | 5,861 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.3111% | 697 |
| Assets per employee ($millions) | 1.1156% | 7,507 |
| 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 | 2.0372% | 7,567 |
| Equity capital to assets | 93.8842% | 4 |
| Core capital (leverage) ratio | 93.9356% | 5 |
| Tier 1 risk-based capital ratio | 426.7621% | 8 |
| Total risk-based capital ratio | 426.7621% | 8 |
| Memoranda: | ||
| Average total assets | $24,638,500 | 7,299 |
| Average earning assets | $23,684,000 | 7,240 |
| Average equity | $23,153,000 | 2,730 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1084% | 7,478 |
| Cost of funding earning assets | 0.0493% | 7,603 |
| Net interest margin | 3.0591% | 6,620 |
| Noninterest income to average assets | 21.5553% | 36 |
| Noninterest expense to average assets | 25.9898% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -1.4728% | 6,906 |
| Return on assets (ROA) | 0.4220% | 4,583 |
| Pretax return on assets | 0.4220% | 4,878 |
| Return on Equity (ROE) | 0.4496% | 5,839 |
| Retained earnings to average equity (ytd only) | 0.4496% | 5,353 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.0075% | 623 |
| Assets per employee ($millions) | 1.2367% | 7,574 |
| 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 | 2.0215% | 7,646 |
| Equity capital to assets | 94.0568% | 5 |
| Core capital (leverage) ratio | 94.0584% | 7 |
| Tier 1 risk-based capital ratio | 458.0004% | 7 |
| Total risk-based capital ratio | 458.0004% | 7 |
| Memoranda: | ||
| Average total assets | $25,121,400 | 7,342 |
| Average earning assets | $24,321,200 | 7,276 |
| Average equity | $23,576,600 | 2,695 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2139% | 7,593 |
| Cost of funding earning assets | 0.0491% | 7,715 |
| Net interest margin | 3.1648% | 6,443 |
| Noninterest income to average assets | 20.8309% | 37 |
| Noninterest expense to average assets | 24.8756% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -0.9781% | 6,892 |
| Return on assets (ROA) | 1.5385% | 931 |
| Pretax return on assets | 1.5385% | 1,510 |
| Return on Equity (ROE) | 1.6402% | 5,722 |
| Retained earnings to average equity (ytd only) | 1.6402% | 5,134 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0929% | 636 |
| Assets per employee ($millions) | 1.0999% | 7,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 1.9765% | 7,750 |
| Equity capital to assets | 93.8530% | 5 |
| Core capital (leverage) ratio | 93.7822% | 7 |
| Tier 1 risk-based capital ratio | 504.2786% | 7 |
| Total risk-based capital ratio | 504.2786% | 7 |
| Memoranda: | ||
| Average total assets | $25,218,250 | 7,431 |
| Average earning assets | $24,434,500 | 7,363 |
| Average equity | $23,654,750 | 2,733 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3421% | 7,648 |
| Cost of funding earning assets | 0.0491% | 7,784 |
| Net interest margin | 3.2929% | 6,037 |
| Noninterest income to average assets | 20.6494% | 39 |
| Noninterest expense to average assets | 25.2064% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -1.3655% | 7,109 |
| Return on assets (ROA) | 1.0559% | 2,064 |
| Pretax return on assets | 1.0559% | 2,913 |
| Return on Equity (ROE) | 1.1259% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.1259% | 5,310 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7276% | 635 |
| Assets per employee ($millions) | 1.0960% | 7,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 1.9834% | 7,817 |
| Equity capital to assets | 93.9585% | 8 |
| Core capital (leverage) ratio | 93.8638% | 6 |
| Tier 1 risk-based capital ratio | 498.0120% | 7 |
| Total risk-based capital ratio | 498.0120% | 7 |
| Memoranda: | ||
| Average total assets | $25,192,000 | 7,490 |
| Average earning assets | $24,416,000 | 7,425 |
| Average equity | $23,625,670 | 2,731 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5420% | 7,696 |
| Cost of funding earning assets | 0.0492% | 7,888 |
| Net interest margin | 3.4928% | 5,191 |
| Noninterest income to average assets | 20.4261% | 40 |
| Noninterest expense to average assets | 24.4763% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.6671% | 6,940 |
| Return on assets (ROA) | -0.6036% | 6,933 |
| Pretax return on assets | -0.6036% | 6,848 |
| Return on Equity (ROE) | -0.6442% | 6,483 |
| Retained earnings to average equity (ytd only) | -0.6442% | 5,979 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.8019% | 760 |
| Assets per employee ($millions) | 1.0465% | 7,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 1.9908% | 7,919 |
| Equity capital to assets | 94.0553% | 5 |
| Core capital (leverage) ratio | 93.9353% | 5 |
| Tier 1 risk-based capital ratio | 478.4813% | 6 |
| Total risk-based capital ratio | 478.4813% | 6 |
| Memoranda: | ||
| Average total assets | $25,183,500 | 7,584 |
| Average earning assets | $24,393,000 | 7,522 |
| Average equity | $23,595,500 | 2,761 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2636% | 7,571 |
| Cost of funding earning assets | 0.0525% | 7,979 |
| Net interest margin | 4.2111% | 2,026 |
| Noninterest income to average assets | 17.8859% | 45 |
| Noninterest expense to average assets | 25.5948% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | -3.6397% | 7,535 |
| Return on assets (ROA) | -2.1986% | 7,165 |
| Pretax return on assets | -2.1986% | 7,019 |
| Return on Equity (ROE) | -2.3761% | 5,907 |
| Retained earnings to average equity (ytd only) | -2.3761% | 5,591 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.5777% | 661 |
| Assets per employee ($millions) | 1.0101% | 7,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 1.9800% | 7,996 |
| Equity capital to assets | 93.3352% | 6 |
| Core capital (leverage) ratio | 93.2263% | 5 |
| Tier 1 risk-based capital ratio | 464.0954% | 4 |
| Total risk-based capital ratio | 464.0954% | 4 |
| Memoranda: | ||
| Average total assets | $25,606,800 | 7,624 |
| Average earning assets | $24,744,200 | 7,557 |
| Average equity | $23,694,400 | 2,768 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4564% | 7,556 |
| Cost of funding earning assets | 0.0484% | 8,066 |
| Net interest margin | 4.4080% | 1,420 |
| Noninterest income to average assets | 17.4760% | 46 |
| Noninterest expense to average assets | 26.4164% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | -4.6855% | 7,813 |
| Return on assets (ROA) | -2.8383% | 7,555 |
| Pretax return on assets | -2.8383% | 7,458 |
| Return on Equity (ROE) | -3.0740% | 6,254 |
| Retained earnings to average equity (ytd only) | -3.0740% | 5,950 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.5616% | 569 |
| Assets per employee ($millions) | 1.0190% | 8,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 1.9626% | 8,084 |
| Equity capital to assets | 92.8521% | 8 |
| Core capital (leverage) ratio | 92.7157% | 9 |
| Tier 1 risk-based capital ratio | 530.8749% | 4 |
| Total risk-based capital ratio | 530.8749% | 4 |
| Memoranda: | ||
| Average total assets | $25,695,500 | 7,692 |
| Average earning assets | $24,802,750 | 7,622 |
| Average equity | $23,725,750 | 2,786 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5909% | 7,546 |
| Cost of funding earning assets | 0.0483% | 8,162 |
| Net interest margin | 4.5426% | 1,071 |
| Noninterest income to average assets | 16.9741% | 47 |
| Noninterest expense to average assets | 25.9695% | 50 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | -4.6180% | 7,904 |
| Return on assets (ROA) | -3.3374% | 7,731 |
| Pretax return on assets | -3.3374% | 7,641 |
| Return on Equity (ROE) | -3.6212% | 6,437 |
| Retained earnings to average equity (ytd only) | -3.6212% | 6,072 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.6285% | 639 |
| Assets per employee ($millions) | 1.0199% | 8,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 1.9609% | 8,182 |
| Equity capital to assets | 92.3876% | 8 |
| Core capital (leverage) ratio | 92.2786% | 12 |
| Tier 1 risk-based capital ratio | 445.8389% | 5 |
| Total risk-based capital ratio | 445.8389% | 5 |
| Memoranda: | ||
| Average total assets | $25,768,670 | 7,764 |
| Average earning assets | $24,831,670 | 7,684 |
| Average equity | $23,749,330 | 2,785 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 7,370 |
| Cost of funding earning assets | 0.0480% | 8,215 |
| Net interest margin | 4.7510% | 683 |
| Noninterest income to average assets | 15.2563% | 50 |
| Noninterest expense to average assets | 25.2934% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -5.4509% | 8,067 |
| Return on assets (ROA) | -3.1655% | 7,870 |
| Pretax return on assets | -3.1655% | 7,786 |
| Return on Equity (ROE) | -3.4388% | 6,832 |
| Retained earnings to average equity (ytd only) | -3.4388% | 6,355 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 127.4708% | 531 |
| Assets per employee ($millions) | 1.2276% | 8,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 1.9396% | 8,233 |
| Equity capital to assets | 92.6452% | 6 |
| Core capital (leverage) ratio | 92.5113% | 9 |
| Tier 1 risk-based capital ratio | 454.2669% | 4 |
| Total risk-based capital ratio | 454.2669% | 4 |
| Memoranda: | ||
| Average total assets | $25,904,000 | 7,803 |
| Average earning assets | $25,005,000 | 7,724 |
| Average equity | $23,845,500 | 2,786 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9507% | 7,870 |
| Cost of funding earning assets | 0.0843% | 8,265 |
| Net interest margin | 4.8663% | 679 |
| Noninterest income to average assets | 15.2318% | 58 |
| Noninterest expense to average assets | 35.5222% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -16.0416% | 8,295 |
| Return on assets (ROA) | -15.7717% | 8,294 |
| Pretax return on assets | -15.7717% | 8,290 |
| Return on Equity (ROE) | -17.0626% | 7,668 |
| Retained earnings to average equity (ytd only) | -17.0626% | 7,570 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.9208% | 574 |
| Assets per employee ($millions) | 0.9640% | 8,240 |
| 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 | 1.9209% | 8,289 |
| Equity capital to assets | 91.4672% | 11 |
| Core capital (leverage) ratio | 91.2559% | 13 |
| Tier 1 risk-based capital ratio | 410.6839% | 14 |
| Total risk-based capital ratio | 410.6839% | 14 |
| Memoranda: | ||
| Average total assets | $28,525,800 | 7,704 |
| Average earning assets | $24,905,800 | 7,747 |
| Average equity | $26,367,600 | 2,524 |
| Average total loans | NA | NA |