Home > Pioneer Commercial Bank > Performance and Condition Ratios
Pioneer Commercial Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2742% | 4,458 |
| Cost of funding earning assets | 1.3441% | 2,382 |
| Net interest margin | 1.9301% | 4,431 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 0.1634% | 4,545 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3411% | 1,345 |
| Return on assets (ROA) | 1.3411% | 1,317 |
| Pretax return on assets | 1.6974% | 1,071 |
| Return on Equity (ROE) | 14.7200% | 1,338 |
| Retained earnings to average equity (ytd only) | 14.7164% | 346 |
| 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 | 8.7813% | 4,550 |
| Assets per employee ($millions) | 231.4195% | 8 |
| 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 | 88.9300% | 1,087 |
| Equity capital to assets | 10.6629% | 1,646 |
| Core capital (leverage) ratio | 9.7231% | 3,047 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 57.0264% | 87 |
| Memoranda: | ||
| Average total assets | $504,883,000 | 1,712 |
| Average earning assets | $485,886,400 | 1,675 |
| Average equity | $46,010,000 | 1,711 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0450% | 4,519 |
| Cost of funding earning assets | 1.1451% | 2,605 |
| Net interest margin | 1.8999% | 4,470 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 0.1661% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.3266% | 1,480 |
| Return on assets (ROA) | 1.3266% | 1,461 |
| Pretax return on assets | 1.6611% | 1,237 |
| Return on Equity (ROE) | 15.1400% | 1,421 |
| Retained earnings to average equity (ytd only) | 15.1350% | 539 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 9.0896% | 4,578 |
| Assets per employee ($millions) | 299.2820% | 6 |
| 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 | 91.6700% | 525 |
| Equity capital to assets | 7.9495% | 3,084 |
| Core capital (leverage) ratio | 9.9478% | 2,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 46.4373% | 123 |
| Memoranda: | ||
| Average total assets | $515,394,000 | 1,699 |
| Average earning assets | $495,095,000 | 1,647 |
| Average equity | $45,174,500 | 1,713 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0237% | 4,545 |
| Cost of funding earning assets | 0.9225% | 2,858 |
| Net interest margin | 2.1012% | 4,459 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 0.1743% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.5363% | 1,042 |
| Return on assets (ROA) | 1.5363% | 1,035 |
| Pretax return on assets | 1.9037% | 858 |
| Return on Equity (ROE) | 16.8800% | 1,118 |
| Retained earnings to average equity (ytd only) | 16.8846% | 398 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 8.3876% | 4,602 |
| Assets per employee ($millions) | 240.1060% | 9 |
| 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 | 89.9800% | 925 |
| Equity capital to assets | 9.6293% | 2,077 |
| Core capital (leverage) ratio | 9.3936% | 3,369 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.8103% | 92 |
| Memoranda: | ||
| Average total assets | $487,670,667 | 1,753 |
| Average earning assets | $481,531,000 | 1,685 |
| Average equity | $44,371,667 | 1,741 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9913% | 4,567 |
| Cost of funding earning assets | 0.5082% | 3,661 |
| Net interest margin | 2.4831% | 4,324 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 0.1628% | 4,673 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.8437% | 623 |
| Return on assets (ROA) | 1.8437% | 611 |
| Pretax return on assets | 2.2849% | 500 |
| Return on Equity (ROE) | 20.8600% | 669 |
| Retained earnings to average equity (ytd only) | 20.8578% | 325 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 6.6511% | 4,670 |
| Assets per employee ($millions) | 264.8260% | 9 |
| 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 | 91.2700% | 715 |
| Equity capital to assets | 8.4395% | 2,941 |
| Core capital (leverage) ratio | 8.5355% | 4,121 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.1221% | 122 |
| Memoranda: | ||
| Average total assets | $491,400,000 | 1,762 |
| Average earning assets | $484,076,500 | 1,695 |
| Average equity | $43,437,000 | 1,785 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2345% | 4,675 |
| Cost of funding earning assets | 0.1007% | 4,390 |
| Net interest margin | 1.1338% | 4,664 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 0.1370% | 4,704 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7947% | 3,346 |
| Return on assets (ROA) | 0.7947% | 3,277 |
| Pretax return on assets | 0.9778% | 3,137 |
| Return on Equity (ROE) | 10.8000% | 2,542 |
| Retained earnings to average equity (ytd only) | 10.7986% | 933 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 12.2896% | 4,702 |
| Assets per employee ($millions) | 226.5740% | 10 |
| 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 | 90.4800% | 1,160 |
| Equity capital to assets | 9.3069% | 2,148 |
| Core capital (leverage) ratio | 8.2596% | 4,278 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 49.5106% | 108 |
| Memoranda: | ||
| Average total assets | $511,634,000 | 1,692 |
| Average earning assets | $501,574,000 | 1,619 |
| Average equity | $37,653,200 | 2,011 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8558% | 4,716 |
| Cost of funding earning assets | 0.0470% | 4,589 |
| Net interest margin | 0.8088% | 4,714 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 0.1323% | 4,744 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.5396% | 3,990 |
| Return on assets (ROA) | 0.5396% | 3,930 |
| Pretax return on assets | 0.6630% | 3,879 |
| Return on Equity (ROE) | 7.7800% | 3,394 |
| Retained earnings to average equity (ytd only) | 7.7757% | 2,091 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 16.6295% | 4,735 |
| Assets per employee ($millions) | 313.2930% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 93.1800% | 530 |
| Equity capital to assets | 6.3714% | 3,806 |
| Core capital (leverage) ratio | 8.1187% | 4,327 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5834% | 197 |
| Memoranda: | ||
| Average total assets | $526,255,500 | 1,684 |
| Average earning assets | $516,137,750 | 1,599 |
| Average equity | $36,523,000 | 2,089 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5787% | 4,757 |
| Cost of funding earning assets | 0.0327% | 4,682 |
| Net interest margin | 0.5460% | 4,753 |
| Noninterest income to average assets | 0.0032% | 4,731 |
| Noninterest expense to average assets | 0.1429% | 4,768 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.3214% | 4,250 |
| Return on assets (ROA) | 0.3214% | 4,201 |
| Pretax return on assets | 0.4030% | 4,153 |
| Return on Equity (ROE) | 4.4758% | 3,917 |
| Retained earnings to average equity (ytd only) | 4.4758% | 2,895 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.1710% | 4,734 |
| Assets per employee ($millions) | 251.4790% | 8 |
| 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 | 90.6941% | 1,382 |
| Equity capital to assets | 7.7881% | 3,280 |
| Core capital (leverage) ratio | 7.6493% | 4,506 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.4342% | 112 |
| Memoranda: | ||
| Average total assets | $492,812,000 | 1,751 |
| Average earning assets | $489,713,667 | 1,677 |
| Average equity | $35,390,000 | 2,184 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4604% | 4,782 |
| Cost of funding earning assets | 0.0256% | 4,723 |
| Net interest margin | 0.4348% | 4,782 |
| Noninterest income to average assets | 0.0016% | 4,752 |
| Noninterest expense to average assets | 0.1542% | 4,792 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2214% | 4,297 |
| Return on assets (ROA) | 0.2214% | 4,264 |
| Pretax return on assets | 0.2797% | 4,215 |
| Return on Equity (ROE) | 3.2239% | 4,044 |
| Retained earnings to average equity (ytd only) | 3.2239% | 3,189 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.5388% | 4,706 |
| Assets per employee ($millions) | 275.4180% | 7 |
| 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 | 93.6304% | 149 |
| Equity capital to assets | 6.0895% | 4,564 |
| Core capital (leverage) ratio | 6.6031% | 4,740 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0130% | 190 |
| Memoranda: | ||
| Average total assets | $487,739,000 | 1,772 |
| Average earning assets | $484,838,000 | 1,697 |
| Average equity | $33,499,500 | 2,307 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6644% | 4,803 |
| Cost of funding earning assets | 0.0294% | 4,761 |
| Net interest margin | 0.6350% | 4,802 |
| Noninterest income to average assets | 0.0040% | 4,801 |
| Noninterest expense to average assets | 0.1489% | 4,828 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3661% | 4,320 |
| Return on assets (ROA) | 0.3661% | 4,351 |
| Pretax return on assets | 0.4799% | 4,283 |
| Return on Equity (ROE) | 5.0803% | 3,981 |
| Retained earnings to average equity (ytd only) | 5.0803% | 2,752 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.6802% | 4,813 |
| Assets per employee ($millions) | 212.3210% | 11 |
| 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 | 92.0008% | 178 |
| Equity capital to assets | 7.8786% | 4,429 |
| Core capital (leverage) ratio | 7.1861% | 4,709 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 41.3988% | 110 |
| Memoranda: | ||
| Average total assets | $421,727,600 | 1,921 |
| Average earning assets | $414,991,800 | 1,852 |
| Average equity | $30,391,800 | 2,508 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7211% | 4,885 |
| Cost of funding earning assets | 0.0287% | 4,846 |
| Net interest margin | 0.6924% | 4,883 |
| Noninterest income to average assets | 0.0032% | 4,881 |
| Noninterest expense to average assets | 0.1482% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.4057% | 4,368 |
| Return on assets (ROA) | 0.4057% | 4,395 |
| Pretax return on assets | 0.5343% | 4,328 |
| Return on Equity (ROE) | 5.7651% | 3,966 |
| Retained earnings to average equity (ytd only) | 5.7651% | 2,924 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.7169% | 4,895 |
| Assets per employee ($millions) | 278.6780% | 9 |
| 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 | 92.7632% | 49 |
| Equity capital to assets | 5.5955% | 4,900 |
| Core capital (leverage) ratio | 7.0814% | 4,801 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.9801% | 254 |
| Memoranda: | ||
| Average total assets | $420,999,000 | 1,942 |
| Average earning assets | $413,067,500 | 1,877 |
| Average equity | $29,625,750 | 2,592 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9254% | 4,918 |
| Cost of funding earning assets | 0.0316% | 4,877 |
| Net interest margin | 0.8938% | 4,911 |
| Noninterest income to average assets | 0.0043% | 4,912 |
| Noninterest expense to average assets | 0.1614% | 4,948 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.5523% | 4,102 |
| Return on assets (ROA) | 0.5523% | 4,148 |
| Pretax return on assets | 0.7323% | 4,001 |
| Return on Equity (ROE) | 7.1258% | 3,627 |
| Retained earnings to average equity (ytd only) | 7.1258% | 2,384 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.0572% | 4,938 |
| Assets per employee ($millions) | 210.2975% | 8 |
| 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 | 90.4968% | 556 |
| Equity capital to assets | 7.3620% | 4,776 |
| Core capital (leverage) ratio | 7.5333% | 4,708 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.6459% | 151 |
| Memoranda: | ||
| Average total assets | $375,546,667 | 2,090 |
| Average earning assets | $373,668,333 | 2,003 |
| Average equity | $29,105,333 | 2,620 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9347% | 4,948 |
| Cost of funding earning assets | 0.0319% | 4,914 |
| Net interest margin | 0.9028% | 4,940 |
| Noninterest income to average assets | 0.0011% | 4,934 |
| Noninterest expense to average assets | 0.1790% | 4,973 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.5427% | 4,090 |
| Return on assets (ROA) | 0.5427% | 4,131 |
| Pretax return on assets | 0.7206% | 3,975 |
| Return on Equity (ROE) | 6.8001% | 3,655 |
| Retained earnings to average equity (ytd only) | 6.8001% | 2,637 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.8992% | 4,950 |
| Assets per employee ($millions) | 205.9430% | 9 |
| 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 | 92.2355% | 100 |
| Equity capital to assets | 6.8992% | 4,864 |
| Core capital (leverage) ratio | 7.5254% | 4,780 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4904% | 156 |
| Memoranda: | ||
| Average total assets | $353,022,500 | 2,173 |
| Average earning assets | $351,345,000 | 2,073 |
| Average equity | $28,176,000 | 2,658 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1058% | 4,964 |
| Cost of funding earning assets | 0.1582% | 4,702 |
| Net interest margin | 0.9475% | 4,963 |
| Noninterest income to average assets | 0.0055% | 4,948 |
| Noninterest expense to average assets | 0.1972% | 4,991 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.5599% | 3,872 |
| Return on assets (ROA) | 0.5599% | 3,973 |
| Pretax return on assets | 0.7425% | 3,781 |
| Return on Equity (ROE) | 6.8222% | 3,275 |
| Retained earnings to average equity (ytd only) | 6.8222% | 1,453 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.9865% | 4,984 |
| Assets per employee ($millions) | 147.0795% | 13 |
| 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 | 90.2893% | 453 |
| Equity capital to assets | 9.4966% | 3,613 |
| Core capital (leverage) ratio | 8.3852% | 4,319 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 51.3599% | 73 |
| Memoranda: | ||
| Average total assets | $330,084,200 | 2,136 |
| Average earning assets | $325,474,400 | 2,052 |
| Average equity | $27,088,200 | 2,670 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1329% | 5,009 |
| Cost of funding earning assets | 0.1880% | 4,708 |
| Net interest margin | 0.9450% | 5,010 |
| Noninterest income to average assets | 0.0031% | 4,983 |
| Noninterest expense to average assets | 0.1970% | 5,029 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.5545% | 3,898 |
| Return on assets (ROA) | 0.5545% | 3,987 |
| Pretax return on assets | 0.7353% | 3,809 |
| Return on Equity (ROE) | 6.9948% | 3,204 |
| Retained earnings to average equity (ytd only) | 6.9948% | 1,691 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.1303% | 5,017 |
| Assets per employee ($millions) | 199.3985% | 11 |
| 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 | 92.3407% | 34 |
| Equity capital to assets | 6.8952% | 4,966 |
| Core capital (leverage) ratio | 8.9062% | 3,859 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.4332% | 172 |
| Memoranda: | ||
| Average total assets | $339,065,500 | 2,083 |
| Average earning assets | $333,410,500 | 1,987 |
| Average equity | $26,876,500 | 2,678 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3496% | 5,044 |
| Cost of funding earning assets | 0.2547% | 4,609 |
| Net interest margin | 1.0949% | 5,045 |
| Noninterest income to average assets | 0.0044% | 5,001 |
| Noninterest expense to average assets | 0.2087% | 5,059 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.6661% | 3,522 |
| Return on assets (ROA) | 0.6661% | 3,612 |
| Pretax return on assets | 0.8842% | 3,356 |
| Return on Equity (ROE) | 7.9717% | 2,758 |
| Retained earnings to average equity (ytd only) | 7.9717% | 1,316 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.0940% | 5,049 |
| Assets per employee ($millions) | 151.8320% | 12 |
| 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 | 88.0328% | 1,161 |
| Equity capital to assets | 8.9398% | 4,140 |
| Core capital (leverage) ratio | 8.1099% | 4,689 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.9056% | 106 |
| Memoranda: | ||
| Average total assets | $319,155,000 | 2,152 |
| Average earning assets | $317,282,000 | 2,041 |
| Average equity | $26,669,333 | 2,674 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6685% | 5,094 |
| Cost of funding earning assets | 0.3669% | 4,469 |
| Net interest margin | 1.3016% | 5,088 |
| Noninterest income to average assets | 0.0037% | 5,052 |
| Noninterest expense to average assets | 0.2117% | 5,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.8198% | 2,833 |
| Return on assets (ROA) | 0.8198% | 2,924 |
| Pretax return on assets | 1.0853% | 2,573 |
| Return on Equity (ROE) | 10.1398% | 1,700 |
| Retained earnings to average equity (ytd only) | 10.1398% | 722 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.3208% | 5,097 |
| Assets per employee ($millions) | 185.5080% | 12 |
| 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 | 92.4596% | 24 |
| Equity capital to assets | 7.2121% | 5,056 |
| Core capital (leverage) ratio | 7.6298% | 5,032 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 39.3345% | 155 |
| Memoranda: | ||
| Average total assets | $326,900,500 | 2,050 |
| Average earning assets | $324,840,500 | 1,956 |
| Average equity | $26,430,500 | 2,682 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0590% | 5,143 |
| Cost of funding earning assets | 0.3854% | 4,490 |
| Net interest margin | 1.6736% | 5,124 |
| Noninterest income to average assets | 0.0079% | 5,114 |
| Noninterest expense to average assets | 0.1829% | 5,172 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.1082% | 2,411 |
| Return on assets (ROA) | 1.1082% | 2,504 |
| Pretax return on assets | 1.4599% | 1,938 |
| Return on Equity (ROE) | 13.9166% | 915 |
| Retained earnings to average equity (ytd only) | 13.9166% | 129 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.1357% | 5,167 |
| Assets per employee ($millions) | 141.3925% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 90.3832% | 219 |
| Equity capital to assets | 9.2307% | 4,545 |
| Core capital (leverage) ratio | 8.1563% | 4,987 |
| Tier 1 risk-based capital ratio | 48.6686% | 141 |
| Total risk-based capital ratio | 48.6686% | 151 |
| Memoranda: | ||
| Average total assets | $302,289,600 | 2,152 |
| Average earning assets | $295,292,600 | 2,060 |
| Average equity | $24,072,000 | 2,790 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0859% | 5,227 |
| Cost of funding earning assets | 0.3738% | 4,584 |
| Net interest margin | 1.7121% | 5,210 |
| Noninterest income to average assets | 0.0039% | 5,204 |
| Noninterest expense to average assets | 0.1836% | 5,251 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1242% | 2,476 |
| Return on assets (ROA) | 1.1242% | 2,570 |
| Pretax return on assets | 1.4862% | 2,000 |
| Return on Equity (ROE) | 14.6546% | 858 |
| Retained earnings to average equity (ytd only) | 14.6546% | 173 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.9956% | 5,247 |
| Assets per employee ($millions) | 177.5590% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 92.3673% | 24 |
| Equity capital to assets | 7.1354% | 5,215 |
| Core capital (leverage) ratio | 8.4216% | 4,978 |
| Tier 1 risk-based capital ratio | 37.9506% | 279 |
| Total risk-based capital ratio | 37.9506% | 308 |
| Memoranda: | ||
| Average total assets | $307,165,750 | 2,144 |
| Average earning assets | $298,892,500 | 2,043 |
| Average equity | $23,564,250 | 2,845 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2213% | 5,282 |
| Cost of funding earning assets | 0.3758% | 4,600 |
| Net interest margin | 1.8455% | 5,257 |
| Noninterest income to average assets | 0.0062% | 5,247 |
| Noninterest expense to average assets | 0.2054% | 5,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2171% | 2,084 |
| Return on assets (ROA) | 1.2171% | 2,143 |
| Pretax return on assets | 1.6086% | 1,522 |
| Return on Equity (ROE) | 15.4270% | 681 |
| Retained earnings to average equity (ytd only) | 15.4270% | 150 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.3215% | 5,292 |
| Assets per employee ($millions) | 150.8095% | 11 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 91.3689% | 70 |
| Equity capital to assets | 8.1318% | 5,154 |
| Core capital (leverage) ratio | 7.6414% | 5,219 |
| Tier 1 risk-based capital ratio | 42.2507% | 208 |
| Total risk-based capital ratio | 42.2507% | 218 |
| Memoranda: | ||
| Average total assets | $291,181,670 | 2,228 |
| Average earning assets | $285,237,000 | 2,135 |
| Average equity | $22,972,670 | 2,883 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2099% | 5,349 |
| Cost of funding earning assets | 0.3236% | 4,765 |
| Net interest margin | 1.8863% | 5,323 |
| Noninterest income to average assets | 0.0028% | 5,303 |
| Noninterest expense to average assets | 0.2070% | 5,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2449% | 1,910 |
| Return on assets (ROA) | 1.2449% | 1,954 |
| Pretax return on assets | 1.6464% | 1,354 |
| Return on Equity (ROE) | 16.0393% | 587 |
| Retained earnings to average equity (ytd only) | 16.0393% | 225 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.1698% | 5,353 |
| Assets per employee ($millions) | 166.3715% | 10 |
| 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 | 92.8281% | 26 |
| Equity capital to assets | 6.8047% | 5,318 |
| Core capital (leverage) ratio | 7.2973% | 5,301 |
| Tier 1 risk-based capital ratio | 36.0954% | 300 |
| Total risk-based capital ratio | 36.0954% | 321 |
| Memoranda: | ||
| Average total assets | $285,963,000 | 2,276 |
| Average earning assets | $280,553,500 | 2,175 |
| Average equity | $22,195,500 | 2,958 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8561% | 5,377 |
| Cost of funding earning assets | 0.1991% | 5,003 |
| Net interest margin | 1.6570% | 5,365 |
| Noninterest income to average assets | 0.0057% | 5,343 |
| Noninterest expense to average assets | 0.1824% | 5,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.0891% | 2,649 |
| Return on assets (ROA) | 1.0891% | 2,641 |
| Pretax return on assets | 1.4371% | 2,001 |
| Return on Equity (ROE) | 14.9575% | 842 |
| Retained earnings to average equity (ytd only) | 14.9575% | 116 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.2633% | 5,396 |
| Assets per employee ($millions) | 239.1830% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 90.5181% | 318 |
| Equity capital to assets | 9.0930% | 4,497 |
| Core capital (leverage) ratio | 7.8507% | 5,274 |
| Tier 1 risk-based capital ratio | 47.5535% | 151 |
| Total risk-based capital ratio | 47.5535% | 156 |
| Memoranda: | ||
| Average total assets | $261,501,200 | 2,391 |
| Average earning assets | $254,673,200 | 2,305 |
| Average equity | $19,040,600 | 3,179 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7187% | 5,456 |
| Cost of funding earning assets | 0.1787% | 5,101 |
| Net interest margin | 1.5400% | 5,447 |
| Noninterest income to average assets | 0.0025% | 5,422 |
| Noninterest expense to average assets | 0.1767% | 5,473 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.0009% | 3,078 |
| Return on assets (ROA) | 1.0009% | 3,091 |
| Pretax return on assets | 1.3184% | 2,550 |
| Return on Equity (ROE) | 14.5575% | 967 |
| Retained earnings to average equity (ytd only) | 14.5575% | 198 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.8197% | 5,467 |
| Assets per employee ($millions) | 333.6220% | 4 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 93.3293% | 25 |
| Equity capital to assets | 6.2565% | 5,440 |
| Core capital (leverage) ratio | 8.0110% | 5,312 |
| Tier 1 risk-based capital ratio | 34.1586% | 341 |
| Total risk-based capital ratio | 34.1586% | 368 |
| Memoranda: | ||
| Average total assets | $267,080,750 | 2,368 |
| Average earning assets | $258,874,000 | 2,285 |
| Average equity | $18,363,500 | 3,274 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8263% | 5,513 |
| Cost of funding earning assets | 0.1678% | 5,165 |
| Net interest margin | 1.6585% | 5,501 |
| Noninterest income to average assets | 0.0033% | 5,483 |
| Noninterest expense to average assets | 0.2180% | 5,533 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0755% | 2,686 |
| Return on assets (ROA) | 1.0755% | 2,693 |
| Pretax return on assets | 1.4161% | 2,095 |
| Return on Equity (ROE) | 15.0282% | 845 |
| Retained earnings to average equity (ytd only) | 15.0282% | 198 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.3433% | 5,526 |
| Assets per employee ($millions) | 235.0840% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 91.7629% | 108 |
| Equity capital to assets | 7.7415% | 5,311 |
| Core capital (leverage) ratio | 6.9932% | 5,486 |
| Tier 1 risk-based capital ratio | 39.6100% | 234 |
| Total risk-based capital ratio | 39.6100% | 253 |
| Memoranda: | ||
| Average total assets | $244,900,330 | 2,533 |
| Average earning assets | $240,819,330 | 2,424 |
| Average equity | $17,527,000 | 3,390 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7840% | 5,580 |
| Cost of funding earning assets | 0.1178% | 5,399 |
| Net interest margin | 1.6661% | 5,571 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 0.1921% | 5,601 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0920% | 2,459 |
| Return on assets (ROA) | 1.0920% | 2,473 |
| Pretax return on assets | 1.4379% | 1,872 |
| Return on Equity (ROE) | 15.8688% | 647 |
| Retained earnings to average equity (ytd only) | 15.8688% | 257 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.7878% | 5,598 |
| Assets per employee ($millions) | 282.9150% | 8 |
| 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 | 93.4592% | 27 |
| Equity capital to assets | 6.1983% | 5,562 |
| Core capital (leverage) ratio | 6.3325% | 5,565 |
| Tier 1 risk-based capital ratio | 32.7418% | 386 |
| Total risk-based capital ratio | 32.7418% | 413 |
| Memoranda: | ||
| Average total assets | $249,808,500 | 2,519 |
| Average earning assets | $244,399,500 | 2,424 |
| Average equity | $17,191,000 | 3,448 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4703% | 5,632 |
| Cost of funding earning assets | 0.0702% | 5,577 |
| Net interest margin | 1.4002% | 5,621 |
| Noninterest income to average assets | 0.0109% | 5,596 |
| Noninterest expense to average assets | 0.2044% | 5,661 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7612% | 3,341 |
| Return on assets (ROA) | 0.7612% | 3,381 |
| Pretax return on assets | 1.1420% | 3,015 |
| Return on Equity (ROE) | 11.0555% | 1,460 |
| Retained earnings to average equity (ytd only) | 11.0555% | 242 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.1830% | 5,655 |
| Assets per employee ($millions) | 216.7020% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 91.8616% | 91 |
| Equity capital to assets | 7.7738% | 5,466 |
| Core capital (leverage) ratio | 7.0649% | 5,597 |
| Tier 1 risk-based capital ratio | 41.0260% | 201 |
| Total risk-based capital ratio | 41.0260% | 216 |
| Memoranda: | ||
| Average total assets | $192,729,000 | 2,989 |
| Average earning assets | $183,835,200 | 2,924 |
| Average equity | $13,269,400 | 3,951 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3752% | 5,707 |
| Cost of funding earning assets | 0.0645% | 5,652 |
| Net interest margin | 1.3107% | 5,702 |
| Noninterest income to average assets | 0.0043% | 5,677 |
| Noninterest expense to average assets | 0.2013% | 5,731 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7097% | 3,930 |
| Return on assets (ROA) | 0.7097% | 3,994 |
| Pretax return on assets | 1.0510% | 3,487 |
| Return on Equity (ROE) | 10.7093% | 1,820 |
| Retained earnings to average equity (ytd only) | 10.7093% | 458 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.0775% | 5,723 |
| Assets per employee ($millions) | 288.1410% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 94.0088% | 12 |
| Equity capital to assets | 5.6944% | 5,706 |
| Core capital (leverage) ratio | 7.5408% | 5,614 |
| Tier 1 risk-based capital ratio | 29.4224% | 497 |
| Total risk-based capital ratio | 29.4224% | 545 |
| Memoranda: | ||
| Average total assets | $186,735,750 | 3,079 |
| Average earning assets | $177,809,750 | 3,009 |
| Average equity | $12,375,250 | 4,114 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3920% | 5,756 |
| Cost of funding earning assets | 0.0578% | 5,708 |
| Net interest margin | 1.3343% | 5,748 |
| Noninterest income to average assets | 0.0065% | 5,721 |
| Noninterest expense to average assets | 0.2040% | 5,781 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7703% | 3,542 |
| Return on assets (ROA) | 0.7703% | 3,593 |
| Pretax return on assets | 1.1312% | 3,047 |
| Return on Equity (ROE) | 10.6790% | 1,769 |
| Retained earnings to average equity (ytd only) | 10.6790% | 482 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.2791% | 5,773 |
| Assets per employee ($millions) | 162.0810% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 92.1965% | 57 |
| Equity capital to assets | 7.4080% | 5,669 |
| Core capital (leverage) ratio | 7.3130% | 5,678 |
| Tier 1 risk-based capital ratio | 37.2782% | 257 |
| Total risk-based capital ratio | 37.2782% | 275 |
| Memoranda: | ||
| Average total assets | $152,934,000 | 3,482 |
| Average earning assets | $152,294,000 | 3,342 |
| Average equity | $11,031,000 | 4,355 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3148% | 5,828 |
| Cost of funding earning assets | 0.0488% | 5,787 |
| Net interest margin | 1.2660% | 5,819 |
| Noninterest income to average assets | 0.0054% | 5,806 |
| Noninterest expense to average assets | 0.2238% | 5,848 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7172% | 3,625 |
| Return on assets (ROA) | 0.7172% | 3,667 |
| Pretax return on assets | 1.0407% | 3,196 |
| Return on Equity (ROE) | 10.0920% | 1,930 |
| Retained earnings to average equity (ytd only) | 10.0920% | 788 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.6972% | 5,838 |
| Assets per employee ($millions) | 172.7190% | 8 |
| 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 | 92.9487% | 36 |
| Equity capital to assets | 6.7676% | 5,780 |
| Core capital (leverage) ratio | 6.9326% | 5,769 |
| Tier 1 risk-based capital ratio | 34.5252% | 336 |
| Total risk-based capital ratio | 34.5252% | 365 |
| Memoranda: | ||
| Average total assets | $148,360,500 | 3,577 |
| Average earning assets | $147,546,000 | 3,433 |
| Average equity | $10,543,000 | 4,459 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1046% | 5,880 |
| Cost of funding earning assets | 0.0435% | 5,850 |
| Net interest margin | 1.0611% | 5,876 |
| Noninterest income to average assets | 0.0043% | 5,846 |
| Noninterest expense to average assets | 0.2225% | 5,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.5724% | 4,338 |
| Return on assets (ROA) | 0.5724% | 4,439 |
| Pretax return on assets | 0.8246% | 4,113 |
| Return on Equity (ROE) | 9.1747% | 2,330 |
| Retained earnings to average equity (ytd only) | 9.1747% | 548 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.2457% | 5,893 |
| Assets per employee ($millions) | 124.0020% | 12 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 92.1340% | 90 |
| Equity capital to assets | 7.5781% | 5,697 |
| Core capital (leverage) ratio | 6.9534% | 5,815 |
| Tier 1 risk-based capital ratio | 40.1314% | 217 |
| Total risk-based capital ratio | 40.1314% | 235 |
| Memoranda: | ||
| Average total assets | $138,006,400 | 3,704 |
| Average earning assets | $135,610,600 | 3,561 |
| Average equity | $8,610,600 | 4,822 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0746% | 5,950 |
| Cost of funding earning assets | 0.0423% | 5,920 |
| Net interest margin | 1.0324% | 5,945 |
| Noninterest income to average assets | 0.0038% | 5,916 |
| Noninterest expense to average assets | 0.2224% | 5,973 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.5408% | 4,534 |
| Return on assets (ROA) | 0.5408% | 4,639 |
| Pretax return on assets | 0.7943% | 4,327 |
| Return on Equity (ROE) | 9.0957% | 2,450 |
| Retained earnings to average equity (ytd only) | 9.0957% | 796 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.8721% | 5,960 |
| Assets per employee ($millions) | 190.8350% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 94.9223% | 13 |
| Equity capital to assets | 4.8183% | 5,952 |
| Core capital (leverage) ratio | 6.8103% | 5,894 |
| Tier 1 risk-based capital ratio | 28.7277% | 537 |
| Total risk-based capital ratio | 28.7277% | 599 |
| Memoranda: | ||
| Average total assets | $141,507,500 | 3,663 |
| Average earning assets | $138,838,500 | 3,532 |
| Average equity | $8,414,000 | 4,906 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1980% | 6,028 |
| Cost of funding earning assets | 0.0482% | 5,989 |
| Net interest margin | 1.1498% | 6,021 |
| Noninterest income to average assets | 0.0048% | 5,995 |
| Noninterest expense to average assets | 0.2383% | 6,051 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6253% | 4,166 |
| Return on assets (ROA) | 0.6253% | 4,295 |
| Pretax return on assets | 0.9099% | 3,917 |
| Return on Equity (ROE) | 9.5908% | 2,236 |
| Retained earnings to average equity (ytd only) | 9.5908% | 691 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.7521% | 6,040 |
| Assets per employee ($millions) | 130.1240% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 92.7438% | 37 |
| Equity capital to assets | 6.9349% | 5,966 |
| Core capital (leverage) ratio | 6.5878% | 5,970 |
| Tier 1 risk-based capital ratio | 34.5888% | 342 |
| Total risk-based capital ratio | 34.5888% | 372 |
| Memoranda: | ||
| Average total assets | $125,065,000 | 3,958 |
| Average earning assets | $124,369,670 | 3,792 |
| Average equity | $8,153,670 | 4,999 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1962% | 6,093 |
| Cost of funding earning assets | 0.0492% | 6,054 |
| Net interest margin | 1.1470% | 6,088 |
| Noninterest income to average assets | 0.0033% | 6,061 |
| Noninterest expense to average assets | 0.2383% | 6,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6202% | 4,091 |
| Return on assets (ROA) | 0.6202% | 4,210 |
| Pretax return on assets | 0.9075% | 3,818 |
| Return on Equity (ROE) | 9.8465% | 2,050 |
| Retained earnings to average equity (ytd only) | 9.8465% | 880 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.7977% | 6,100 |
| Assets per employee ($millions) | 145.1570% | 14 |
| 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 | 93.7116% | 23 |
| Equity capital to assets | 6.0665% | 6,066 |
| Core capital (leverage) ratio | 6.2608% | 6,050 |
| Tier 1 risk-based capital ratio | 31.7990% | 436 |
| Total risk-based capital ratio | 31.7990% | 475 |
| Memoranda: | ||
| Average total assets | $122,535,500 | 4,032 |
| Average earning assets | $122,054,500 | 3,869 |
| Average equity | $7,718,500 | 5,106 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0405% | 6,143 |
| Cost of funding earning assets | 0.0444% | 6,111 |
| Net interest margin | 0.9960% | 6,142 |
| Noninterest income to average assets | 0.0030% | 6,098 |
| Noninterest expense to average assets | 0.2805% | 6,172 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4820% | 4,758 |
| Return on assets (ROA) | 0.4813% | 4,846 |
| Pretax return on assets | 0.6920% | 4,549 |
| Return on Equity (ROE) | 7.9321% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.9321% | 940 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.8170% | 6,144 |
| Assets per employee ($millions) | 99.9140% | 18 |
| 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 | 93.1231% | 47 |
| Equity capital to assets | 6.6367% | 6,086 |
| Core capital (leverage) ratio | 5.6220% | 6,130 |
| Tier 1 risk-based capital ratio | 33.2262% | 388 |
| Total risk-based capital ratio | 33.2262% | 426 |
| Memoranda: | ||
| Average total assets | $101,589,600 | 4,431 |
| Average earning assets | $98,992,200 | 4,317 |
| Average equity | $6,164,800 | 5,405 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9742% | 6,241 |
| Cost of funding earning assets | 0.0405% | 6,205 |
| Net interest margin | 0.9337% | 6,239 |
| Noninterest income to average assets | 0.0026% | 6,189 |
| Noninterest expense to average assets | 0.2588% | 6,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4440% | 4,992 |
| Return on assets (ROA) | 0.4431% | 5,087 |
| Pretax return on assets | 0.6470% | 4,836 |
| Return on Equity (ROE) | 7.4731% | 3,356 |
| Retained earnings to average equity (ytd only) | 7.4731% | 1,464 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5303% | 6,228 |
| Assets per employee ($millions) | 144.1870% | 12 |
| 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 | 95.2992% | 14 |
| Equity capital to assets | 4.5046% | 6,238 |
| Core capital (leverage) ratio | 6.0456% | 6,198 |
| Tier 1 risk-based capital ratio | 28.2162% | 605 |
| Total risk-based capital ratio | 28.2162% | 667 |
| Memoranda: | ||
| Average total assets | $102,008,500 | 4,469 |
| Average earning assets | $98,811,750 | 4,363 |
| Average equity | $6,048,250 | 5,490 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0316% | 6,317 |
| Cost of funding earning assets | 0.0438% | 6,283 |
| Net interest margin | 0.9877% | 6,312 |
| Noninterest income to average assets | 0.0023% | 6,257 |
| Noninterest expense to average assets | 0.2934% | 6,337 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4677% | 4,903 |
| Return on assets (ROA) | 0.4662% | 5,008 |
| Pretax return on assets | 0.6799% | 4,722 |
| Return on Equity (ROE) | 6.9499% | 3,641 |
| Retained earnings to average equity (ytd only) | 6.9499% | 1,722 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.0699% | 6,299 |
| Assets per employee ($millions) | 98.4990% | 19 |
| 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 | 93.3542% | 46 |
| Equity capital to assets | 6.4366% | 6,249 |
| Core capital (leverage) ratio | 6.7130% | 6,223 |
| Tier 1 risk-based capital ratio | 33.6736% | 403 |
| Total risk-based capital ratio | 33.6736% | 439 |
| Memoranda: | ||
| Average total assets | $87,949,000 | 4,816 |
| Average earning assets | $86,663,670 | 4,663 |
| Average equity | $5,899,330 | 5,570 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0297% | 6,391 |
| Cost of funding earning assets | 0.0441% | 6,354 |
| Net interest margin | 0.9855% | 6,386 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 0.3145% | 6,410 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4533% | 4,857 |
| Return on assets (ROA) | 0.4500% | 4,987 |
| Pretax return on assets | 0.6532% | 4,749 |
| Return on Equity (ROE) | 6.5504% | 3,739 |
| Retained earnings to average equity (ytd only) | 6.5504% | 2,213 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.3383% | 6,351 |
| Assets per employee ($millions) | 97.8350% | 19 |
| 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 | 93.4594% | 45 |
| Equity capital to assets | 6.3699% | 6,320 |
| Core capital (leverage) ratio | 6.3328% | 6,315 |
| Tier 1 risk-based capital ratio | 36.8880% | 312 |
| Total risk-based capital ratio | 36.8880% | 342 |
| Memoranda: | ||
| Average total assets | $82,674,000 | 4,969 |
| Average earning assets | $81,581,000 | 4,829 |
| Average equity | $5,679,000 | 5,684 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8445% | 6,478 |
| Cost of funding earning assets | 0.0505% | 6,436 |
| Net interest margin | 0.7940% | 6,476 |
| Noninterest income to average assets | 0.0000% | 6,390 |
| Noninterest expense to average assets | 0.3164% | 6,498 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.3252% | 5,453 |
| Return on assets (ROA) | 0.3347% | 5,498 |
| Pretax return on assets | 0.4576% | 5,366 |
| Return on Equity (ROE) | 5.1478% | 4,585 |
| Retained earnings to average equity (ytd only) | 5.1478% | 2,499 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.5808% | 6,372 |
| Assets per employee ($millions) | 67.5130% | 20 |
| 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 | 92.2533% | 121 |
| Equity capital to assets | 7.5926% | 6,208 |
| Core capital (leverage) ratio | 6.4233% | 6,377 |
| Tier 1 risk-based capital ratio | 41.0484% | 223 |
| Total risk-based capital ratio | 41.0484% | 236 |
| Memoranda: | ||
| Average total assets | $76,481,400 | 5,139 |
| Average earning assets | $73,301,000 | 5,058 |
| Average equity | $4,973,000 | 5,857 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7760% | 6,563 |
| Cost of funding earning assets | 0.0498% | 6,521 |
| Net interest margin | 0.7261% | 6,564 |
| Noninterest income to average assets | 0.0000% | 6,477 |
| Noninterest expense to average assets | 0.3116% | 6,576 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2862% | 5,634 |
| Return on assets (ROA) | 0.2862% | 5,701 |
| Pretax return on assets | 0.3794% | 5,624 |
| Return on Equity (ROE) | 4.5662% | 4,930 |
| Retained earnings to average equity (ytd only) | 4.5662% | 3,396 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0980% | 6,322 |
| Assets per employee ($millions) | 95.0800% | 16 |
| 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 | 94.5740% | 31 |
| Equity capital to assets | 5.3103% | 6,514 |
| Core capital (leverage) ratio | 6.3338% | 6,450 |
| Tier 1 risk-based capital ratio | 33.2498% | 408 |
| Total risk-based capital ratio | 33.2498% | 431 |
| Memoranda: | ||
| Average total assets | $78,723,500 | 5,154 |
| Average earning assets | $74,916,250 | 5,068 |
| Average equity | $4,934,750 | 5,928 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7596% | 6,626 |
| Cost of funding earning assets | 0.0527% | 6,580 |
| Net interest margin | 0.7069% | 6,626 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 0.3221% | 6,640 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2893% | 5,605 |
| Return on assets (ROA) | 0.2893% | 5,673 |
| Pretax return on assets | 0.3740% | 5,630 |
| Return on Equity (ROE) | 4.3295% | 5,010 |
| Retained earnings to average equity (ytd only) | 4.3295% | 3,418 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2745% | 6,353 |
| Assets per employee ($millions) | 75.4370% | 19 |
| 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 | 93.2964% | 72 |
| Equity capital to assets | 6.6002% | 6,485 |
| Core capital (leverage) ratio | 6.5865% | 6,490 |
| Tier 1 risk-based capital ratio | 39.9406% | 244 |
| Total risk-based capital ratio | 39.9406% | 267 |
| Memoranda: | ||
| Average total assets | $73,271,330 | 5,304 |
| Average earning assets | $72,145,330 | 5,176 |
| Average equity | $4,896,670 | 5,979 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6949% | 6,707 |
| Cost of funding earning assets | 0.0560% | 6,654 |
| Net interest margin | 0.6388% | 6,708 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 0.3491% | 6,719 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2327% | 5,713 |
| Return on assets (ROA) | 0.2327% | 5,758 |
| Pretax return on assets | 0.2826% | 5,761 |
| Return on Equity (ROE) | 3.4600% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.4600% | 4,057 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2632% | 5,901 |
| Assets per employee ($millions) | 84.4500% | 18 |
| 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 | 94.1658% | 62 |
| Equity capital to assets | 5.7750% | 6,585 |
| Core capital (leverage) ratio | 5.8705% | 6,602 |
| Tier 1 risk-based capital ratio | 39.3357% | 246 |
| Total risk-based capital ratio | 39.3357% | 268 |
| Memoranda: | ||
| Average total assets | $72,188,500 | 5,381 |
| Average earning assets | $71,381,000 | 5,246 |
| Average equity | $4,855,500 | 6,031 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5083% | 6,787 |
| Cost of funding earning assets | 0.0614% | 6,741 |
| Net interest margin | 0.4469% | 6,785 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 0.2977% | 6,799 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0922% | 6,062 |
| Return on assets (ROA) | 0.1554% | 5,996 |
| Pretax return on assets | 0.1936% | 5,951 |
| Return on Equity (ROE) | 2.4521% | 5,691 |
| Retained earnings to average equity (ytd only) | 2.4521% | 4,508 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2045% | 3,439 |
| Assets per employee ($millions) | 59.9270% | 23 |
| 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 | 91.8935% | 305 |
| Equity capital to assets | 8.0665% | 5,967 |
| Core capital (leverage) ratio | 6.7549% | 6,567 |
| Tier 1 risk-based capital ratio | 49.4019% | 138 |
| Total risk-based capital ratio | 49.4019% | 145 |
| Memoranda: | ||
| Average total assets | $75,917,000 | 5,328 |
| Average earning assets | $70,041,200 | 5,310 |
| Average equity | $4,812,200 | 6,113 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4804% | 6,868 |
| Cost of funding earning assets | 0.0623% | 6,824 |
| Net interest margin | 0.4181% | 6,867 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 0.3003% | 6,878 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0634% | 6,198 |
| Return on assets (ROA) | 0.1435% | 6,117 |
| Pretax return on assets | 0.1802% | 6,069 |
| Return on Equity (ROE) | 2.3854% | 5,831 |
| Retained earnings to average equity (ytd only) | 2.3854% | 4,906 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9474% | 2,271 |
| Assets per employee ($millions) | 112.0770% | 19 |
| 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 | 95.6690% | 25 |
| Equity capital to assets | 4.2970% | 6,808 |
| Core capital (leverage) ratio | 6.7913% | 6,629 |
| Tier 1 risk-based capital ratio | 30.0851% | 513 |
| Total risk-based capital ratio | 30.0851% | 563 |
| Memoranda: | ||
| Average total assets | $79,914,500 | 5,288 |
| Average earning assets | $72,707,500 | 5,284 |
| Average equity | $4,806,750 | 6,191 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5109% | 6,917 |
| Cost of funding earning assets | 0.0697% | 6,871 |
| Net interest margin | 0.4412% | 6,915 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 0.3526% | 6,927 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0647% | 6,213 |
| Return on assets (ROA) | 0.1965% | 6,029 |
| Pretax return on assets | 0.2601% | 5,982 |
| Return on Equity (ROE) | 2.8312% | 5,688 |
| Retained earnings to average equity (ytd only) | 2.8312% | 4,514 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2632% | 2,118 |
| Assets per employee ($millions) | 69.5300% | 23 |
| 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 | 93.1008% | 120 |
| Equity capital to assets | 6.8776% | 6,625 |
| Core capital (leverage) ratio | 6.5527% | 6,693 |
| Tier 1 risk-based capital ratio | 53.4574% | 113 |
| Total risk-based capital ratio | 53.4574% | 118 |
| Memoranda: | ||
| Average total assets | $69,193,670 | 5,599 |
| Average earning assets | $68,899,330 | 5,422 |
| Average equity | $4,803,670 | 6,240 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5355% | 6,996 |
| Cost of funding earning assets | 0.0757% | 6,944 |
| Net interest margin | 0.4599% | 6,992 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 0.3419% | 7,005 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1101% | 6,126 |
| Return on assets (ROA) | 0.1101% | 6,223 |
| Pretax return on assets | 0.1159% | 6,229 |
| Return on Equity (ROE) | 1.5786% | 6,063 |
| Retained earnings to average equity (ytd only) | 1.5786% | 5,194 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6835% | 3,142 |
| Assets per employee ($millions) | 78.6770% | 23 |
| 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 | 93.8012% | 83 |
| Equity capital to assets | 6.1200% | 6,818 |
| Core capital (leverage) ratio | 6.0852% | 6,795 |
| Tier 1 risk-based capital ratio | 45.3630% | 163 |
| Total risk-based capital ratio | 45.3630% | 177 |
| Memoranda: | ||
| Average total assets | $69,025,500 | 5,654 |
| Average earning assets | $68,717,500 | 5,471 |
| Average equity | $4,814,500 | 6,298 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6090% | 7,050 |
| Cost of funding earning assets | 0.1089% | 6,984 |
| Net interest margin | 0.5000% | 7,049 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 0.3710% | 7,053 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1166% | 5,979 |
| Return on assets (ROA) | 0.1166% | 6,120 |
| Pretax return on assets | 0.1264% | 6,108 |
| Return on Equity (ROE) | 1.4880% | 6,018 |
| Retained earnings to average equity (ytd only) | 1.4880% | 5,122 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5875% | 2,974 |
| Assets per employee ($millions) | 59.3740% | 28 |
| 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 | 91.7927% | 286 |
| Equity capital to assets | 8.1079% | 6,346 |
| Core capital (leverage) ratio | 7.7553% | 6,368 |
| Tier 1 risk-based capital ratio | 47.6835% | 151 |
| Total risk-based capital ratio | 47.6835% | 159 |
| Memoranda: | ||
| Average total assets | $60,909,000 | 5,901 |
| Average earning assets | $60,594,600 | 5,724 |
| Average equity | $4,771,400 | 6,361 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6276% | 7,162 |
| Cost of funding earning assets | 0.1203% | 7,087 |
| Net interest margin | 0.5073% | 7,162 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 0.3698% | 7,165 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.1196% | 6,090 |
| Return on assets (ROA) | 0.1196% | 6,229 |
| Pretax return on assets | 0.1349% | 6,223 |
| Return on Equity (ROE) | 1.5403% | 6,145 |
| Retained earnings to average equity (ytd only) | 1.5403% | 5,564 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2759% | 3,107 |
| Assets per employee ($millions) | 67.7200% | 27 |
| 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 | 92.8204% | 128 |
| Equity capital to assets | 7.1057% | 6,864 |
| Core capital (leverage) ratio | 7.9799% | 6,345 |
| Tier 1 risk-based capital ratio | 49.5298% | 144 |
| Total risk-based capital ratio | 49.5298% | 148 |
| Memoranda: | ||
| Average total assets | $61,292,750 | 5,958 |
| Average earning assets | $60,973,500 | 5,771 |
| Average equity | $4,760,750 | 6,440 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6732% | 7,223 |
| Cost of funding earning assets | 0.1360% | 7,145 |
| Net interest margin | 0.5372% | 7,223 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 0.3753% | 7,226 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1386% | 6,069 |
| Return on assets (ROA) | 0.1386% | 6,235 |
| Pretax return on assets | 0.1589% | 6,212 |
| Return on Equity (ROE) | 1.7286% | 6,122 |
| Retained earnings to average equity (ytd only) | 1.7286% | 5,330 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2532% | 3,725 |
| Assets per employee ($millions) | 59.1560% | 27 |
| 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 | 91.8842% | 241 |
| Equity capital to assets | 8.0634% | 6,532 |
| Core capital (leverage) ratio | 7.3300% | 6,701 |
| Tier 1 risk-based capital ratio | 47.2075% | 149 |
| Total risk-based capital ratio | 47.2075% | 163 |
| Memoranda: | ||
| Average total assets | $59,150,330 | 6,047 |
| Average earning assets | $58,827,330 | 5,879 |
| Average equity | $4,743,670 | 6,468 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6596% | 7,287 |
| Cost of funding earning assets | 0.1292% | 7,216 |
| Net interest margin | 0.5304% | 7,288 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 0.3720% | 7,290 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1353% | 6,163 |
| Return on assets (ROA) | 0.1353% | 6,286 |
| Pretax return on assets | 0.1555% | 6,282 |
| Return on Equity (ROE) | 1.6912% | 6,160 |
| Retained earnings to average equity (ytd only) | 1.6912% | 5,385 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5128% | 3,717 |
| Assets per employee ($millions) | 72.3370% | 23 |
| 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 | 93.4307% | 119 |
| Equity capital to assets | 6.5416% | 7,004 |
| Core capital (leverage) ratio | 7.0300% | 6,830 |
| Tier 1 risk-based capital ratio | 49.0664% | 132 |
| Total risk-based capital ratio | 49.0664% | 137 |
| Memoranda: | ||
| Average total assets | $59,147,500 | 6,091 |
| Average earning assets | $58,825,000 | 5,913 |
| Average equity | $4,730,500 | 6,504 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6873% | 7,334 |
| Cost of funding earning assets | 0.1981% | 7,240 |
| Net interest margin | 0.4892% | 7,333 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 0.4389% | 7,332 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.0782% | 5,905 |
| Return on assets (ROA) | 0.1242% | 5,931 |
| Pretax return on assets | 0.0922% | 5,980 |
| Return on Equity (ROE) | 1.3276% | 5,883 |
| Retained earnings to average equity (ytd only) | 1.3276% | 5,230 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4959% | 1,152 |
| Assets per employee ($millions) | 45.9580% | 37 |
| 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 | 89.6775% | 1,166 |
| Equity capital to assets | 10.2898% | 3,795 |
| Core capital (leverage) ratio | 9.4333% | 4,136 |
| Tier 1 risk-based capital ratio | 59.9054% | 95 |
| Total risk-based capital ratio | 59.9054% | 97 |
| Memoranda: | ||
| Average total assets | $49,900,600 | 6,371 |
| Average earning assets | $49,472,200 | 6,216 |
| Average equity | $4,670,000 | 6,542 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6742% | 7,416 |
| Cost of funding earning assets | 0.2168% | 7,315 |
| Net interest margin | 0.4574% | 7,414 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 0.4454% | 7,412 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.0524% | 6,068 |
| Return on assets (ROA) | 0.1153% | 6,042 |
| Pretax return on assets | 0.0707% | 6,138 |
| Return on Equity (ROE) | 1.2603% | 6,011 |
| Retained earnings to average equity (ytd only) | 1.2603% | 5,506 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2659% | 727 |
| Assets per employee ($millions) | 54.4810% | 32 |
| 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 | 91.3878% | 322 |
| Equity capital to assets | 8.6122% | 6,185 |
| Core capital (leverage) ratio | 9.5993% | 3,991 |
| Tier 1 risk-based capital ratio | 67.3740% | 87 |
| Total risk-based capital ratio | 67.3740% | 89 |
| Memoranda: | ||
| Average total assets | $50,886,250 | 6,395 |
| Average earning assets | $50,425,000 | 6,227 |
| Average equity | $4,655,250 | 6,599 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7316% | 7,489 |
| Cost of funding earning assets | 0.2561% | 7,355 |
| Net interest margin | 0.4756% | 7,485 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 0.4548% | 7,491 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.0765% | 6,066 |
| Return on assets (ROA) | 0.1328% | 6,019 |
| Pretax return on assets | 0.0725% | 6,146 |
| Return on Equity (ROE) | 1.4215% | 5,967 |
| Retained earnings to average equity (ytd only) | 1.4215% | 5,274 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5812% | 850 |
| Assets per employee ($millions) | 49.2700% | 36 |
| 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 | 90.4546% | 734 |
| Equity capital to assets | 9.5230% | 4,783 |
| Core capital (leverage) ratio | 8.6170% | 5,368 |
| Tier 1 risk-based capital ratio | 51.8663% | 143 |
| Total risk-based capital ratio | 51.8663% | 145 |
| Memoranda: | ||
| Average total assets | $49,688,000 | 6,487 |
| Average earning assets | $49,205,330 | 6,331 |
| Average equity | $4,643,000 | 6,640 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7453% | 7,552 |
| Cost of funding earning assets | 0.2511% | 7,435 |
| Net interest margin | 0.4941% | 7,546 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 0.4650% | 7,552 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.1122% | 6,062 |
| Return on assets (ROA) | 0.1122% | 6,114 |
| Pretax return on assets | 0.0240% | 6,313 |
| Return on Equity (ROE) | 1.2125% | 6,069 |
| Retained earnings to average equity (ytd only) | 1.2125% | 5,338 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0820% | 977 |
| Assets per employee ($millions) | 59.3470% | 31 |
| 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 | 92.2304% | 232 |
| Equity capital to assets | 7.7679% | 6,699 |
| Core capital (leverage) ratio | 7.8984% | 6,366 |
| Tier 1 risk-based capital ratio | 45.3328% | 170 |
| Total risk-based capital ratio | 45.3328% | 182 |
| Memoranda: | ||
| Average total assets | $49,897,000 | 6,536 |
| Average earning assets | $49,379,000 | 6,363 |
| Average equity | $4,618,500 | 6,681 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7013% | 7,613 |
| Cost of funding earning assets | 0.3402% | 7,476 |
| Net interest margin | 0.3611% | 7,618 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 0.5508% | 7,608 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.0230% | 5,768 |
| Return on assets (ROA) | 0.0230% | 5,904 |
| Pretax return on assets | -0.1936% | 6,082 |
| Return on Equity (ROE) | 0.2159% | 5,898 |
| Retained earnings to average equity (ytd only) | 0.2159% | 5,463 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 154.1935% | 195 |
| Assets per employee ($millions) | 40.4470% | 39 |
| 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 | 88.5430% | 1,926 |
| Equity capital to assets | 11.4397% | 2,316 |
| Core capital (leverage) ratio | 11.1066% | 2,079 |
| Tier 1 risk-based capital ratio | 67.0341% | 84 |
| Total risk-based capital ratio | 67.0341% | 85 |
| Memoranda: | ||
| Average total assets | $43,392,800 | 6,757 |
| Average earning assets | $42,921,000 | 6,618 |
| Average equity | $4,631,200 | 6,776 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7393% | 7,732 |
| Cost of funding earning assets | 0.3666% | 7,596 |
| Net interest margin | 0.3727% | 7,733 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 0.5408% | 7,730 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.0453% | 5,894 |
| Return on assets (ROA) | 0.0453% | 6,024 |
| Pretax return on assets | -0.1722% | 6,295 |
| Return on Equity (ROE) | 0.4318% | 6,024 |
| Retained earnings to average equity (ytd only) | 0.4318% | 5,624 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.7213% | 217 |
| Assets per employee ($millions) | 49.7990% | 33 |
| 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 | 90.6685% | 561 |
| Equity capital to assets | 9.3114% | 5,121 |
| Core capital (leverage) ratio | 10.0306% | 3,222 |
| Tier 1 risk-based capital ratio | 61.7757% | 103 |
| Total risk-based capital ratio | 61.7757% | 105 |
| Memoranda: | ||
| Average total assets | $44,129,250 | 6,811 |
| Average earning assets | $43,645,750 | 6,675 |
| Average equity | $4,632,250 | 6,863 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8914% | 7,801 |
| Cost of funding earning assets | 0.4217% | 7,640 |
| Net interest margin | 0.4697% | 7,800 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 0.5682% | 7,800 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.1231% | 5,800 |
| Return on assets (ROA) | 0.1231% | 5,906 |
| Pretax return on assets | -0.1042% | 6,250 |
| Return on Equity (ROE) | 1.1229% | 5,910 |
| Retained earnings to average equity (ytd only) | 1.1229% | 5,312 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 122.4490% | 383 |
| Assets per employee ($millions) | 42.4320% | 35 |
| 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 | 89.0484% | 1,407 |
| Equity capital to assets | 10.9399% | 2,928 |
| Core capital (leverage) ratio | 10.1178% | 3,040 |
| Tier 1 risk-based capital ratio | 70.9934% | 84 |
| Total risk-based capital ratio | 70.9934% | 87 |
| Memoranda: | ||
| Average total assets | $42,239,330 | 6,926 |
| Average earning assets | $41,732,670 | 6,788 |
| Average equity | $4,630,670 | 6,894 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9521% | 7,906 |
| Cost of funding earning assets | 0.4328% | 7,749 |
| Net interest margin | 0.5193% | 7,899 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 0.5600% | 7,906 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.1708% | 5,785 |
| Return on assets (ROA) | 0.1708% | 5,908 |
| Pretax return on assets | -0.0475% | 6,409 |
| Return on Equity (ROE) | 1.5568% | 5,941 |
| Retained earnings to average equity (ytd only) | 1.5568% | 5,167 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2593% | 618 |
| Assets per employee ($millions) | 49.0870% | 32 |
| 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 | 90.5739% | 705 |
| Equity capital to assets | 9.4200% | 4,656 |
| Core capital (leverage) ratio | 9.9156% | 3,268 |
| Tier 1 risk-based capital ratio | 56.8919% | 122 |
| Total risk-based capital ratio | 56.8919% | 125 |
| Memoranda: | ||
| Average total assets | $42,143,000 | 7,013 |
| Average earning assets | $41,594,000 | 6,875 |
| Average equity | $4,625,000 | 6,968 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9942% | 7,973 |
| Cost of funding earning assets | 0.4567% | 7,857 |
| Net interest margin | 0.5375% | 7,967 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 0.5611% | 7,980 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.0893% | 5,237 |
| Return on assets (ROA) | 0.0893% | 5,280 |
| Pretax return on assets | -0.0275% | 5,492 |
| Return on Equity (ROE) | 0.8438% | 5,278 |
| Retained earnings to average equity (ytd only) | 0.8438% | 4,428 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.1502% | 927 |
| Assets per employee ($millions) | 35.1990% | 47 |
| 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 | 86.8008% | 2,607 |
| Equity capital to assets | 13.1424% | 1,450 |
| Core capital (leverage) ratio | 12.0528% | 1,641 |
| Tier 1 risk-based capital ratio | 72.1866% | 85 |
| Total risk-based capital ratio | 72.1866% | 85 |
| Memoranda: | ||
| Average total assets | $43,667,000 | 6,957 |
| Average earning assets | $43,350,400 | 6,794 |
| Average equity | $4,622,000 | 7,071 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9871% | 8,062 |
| Cost of funding earning assets | 0.4599% | 7,958 |
| Net interest margin | 0.5272% | 8,053 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 0.5475% | 8,069 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.0583% | 5,584 |
| Return on assets (ROA) | 0.0583% | 5,620 |
| Pretax return on assets | -0.0233% | 5,743 |
| Return on Equity (ROE) | 0.5771% | 5,625 |
| Retained earnings to average equity (ytd only) | 0.5771% | 4,964 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4444% | 902 |
| Assets per employee ($millions) | 46.2030% | 41 |
| 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 | 89.9292% | 793 |
| Equity capital to assets | 9.9929% | 4,094 |
| Core capital (leverage) ratio | 10.8870% | 2,490 |
| Tier 1 risk-based capital ratio | 64.8637% | 103 |
| Total risk-based capital ratio | 64.8637% | 105 |
| Memoranda: | ||
| Average total assets | $45,784,000 | 6,931 |
| Average earning assets | $45,518,000 | 6,756 |
| Average equity | $4,621,000 | 7,138 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0668% | 8,157 |
| Cost of funding earning assets | 0.4673% | 8,051 |
| Net interest margin | 0.5995% | 8,138 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.5871% | 8,162 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.0351% | 5,741 |
| Return on assets (ROA) | 0.0351% | 5,830 |
| Pretax return on assets | 0.0088% | 5,851 |
| Return on Equity (ROE) | 0.3461% | 5,829 |
| Retained earnings to average equity (ytd only) | 0.3461% | 5,081 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5294% | 1,247 |
| Assets per employee ($millions) | 41.4560% | 40 |
| 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 | 88.7857% | 1,382 |
| Equity capital to assets | 11.1106% | 2,826 |
| Core capital (leverage) ratio | 10.1181% | 3,170 |
| Tier 1 risk-based capital ratio | 73.4884% | 95 |
| Total risk-based capital ratio | 73.4884% | 96 |
| Memoranda: | ||
| Average total assets | $45,644,330 | 6,995 |
| Average earning assets | $45,368,670 | 6,823 |
| Average equity | $4,622,330 | 7,204 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2570% | 8,207 |
| Cost of funding earning assets | 0.4640% | 8,111 |
| Net interest margin | 0.7930% | 8,181 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.4441% | 8,221 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.2095% | 5,635 |
| Return on assets (ROA) | 0.2095% | 5,797 |
| Pretax return on assets | 0.3435% | 5,550 |
| Return on Equity (ROE) | 2.1596% | 5,720 |
| Retained earnings to average equity (ytd only) | 2.1596% | 4,670 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3830% | 6,913 |
| Assets per employee ($millions) | 52.3520% | 39 |
| 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 | 90.8733% | 457 |
| Equity capital to assets | 8.8344% | 5,568 |
| Core capital (leverage) ratio | 9.1257% | 4,511 |
| Tier 1 risk-based capital ratio | 53.9039% | 170 |
| Total risk-based capital ratio | 53.9039% | 176 |
| Memoranda: | ||
| Average total assets | $47,738,500 | 6,954 |
| Average earning assets | $47,414,500 | 6,770 |
| Average equity | $4,630,500 | 7,248 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8496% | 8,184 |
| Cost of funding earning assets | 1.7738% | 7,080 |
| Net interest margin | 1.0758% | 8,225 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.5118% | 8,257 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.3314% | 5,440 |
| Return on assets (ROA) | 0.3314% | 5,260 |
| Pretax return on assets | 0.5361% | 4,894 |
| Return on Equity (ROE) | 3.0233% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.0233% | 3,291 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.8372% | 7,745 |
| Assets per employee ($millions) | 43.1250% | 39 |
| 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 | 88.9113% | 1,082 |
| Equity capital to assets | 10.7501% | 3,250 |
| Core capital (leverage) ratio | 10.8273% | 2,727 |
| Tier 1 risk-based capital ratio | 64.6818% | 140 |
| Total risk-based capital ratio | 64.6818% | 141 |
| Memoranda: | ||
| Average total assets | $41,034,000 | 7,167 |
| Average earning assets | $39,971,000 | 7,043 |
| Average equity | $4,498,400 | 7,332 |
| Average total loans | NA | NA |