Home > Thrivent Trust Company > Performance and Condition Ratios
Thrivent Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9557% | 4,574 |
| Cost of funding earning assets | 0.1922% | 4,448 |
| Net interest margin | 1.7635% | 4,461 |
| Noninterest income to average assets | 59.2800% | 42 |
| Noninterest expense to average assets | 56.1765% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 4.8773% | 77 |
| Return on assets (ROA) | 4.8773% | 78 |
| Pretax return on assets | 4.2314% | 107 |
| Return on Equity (ROE) | 6.1800% | 3,484 |
| Retained earnings to average equity (ytd only) | 6.1804% | 2,180 |
| 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 | 92.9953% | 330 |
| Assets per employee ($millions) | 0.6096% | 4,513 |
| 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 | 14.2700% | 4,507 |
| Equity capital to assets | 78.3024% | 107 |
| Core capital (leverage) ratio | 81.1868% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 307.7723% | 33 |
| Memoranda: | ||
| Average total assets | $13,778,000 | 4,550 |
| Average earning assets | $8,845,800 | 4,521 |
| Average equity | $10,873,000 | 3,630 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7231% | 4,598 |
| Cost of funding earning assets | 0.1372% | 4,487 |
| Net interest margin | 1.5859% | 4,514 |
| Noninterest income to average assets | 60.4200% | 40 |
| Noninterest expense to average assets | 56.8214% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 3.3630% | 144 |
| Return on assets (ROA) | 3.3630% | 144 |
| Pretax return on assets | 4.6071% | 103 |
| Return on Equity (ROE) | 4.2500% | 3,945 |
| Retained earnings to average equity (ytd only) | 4.2531% | 3,189 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 92.5000% | 304 |
| Assets per employee ($millions) | 0.6106% | 4,541 |
| 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 | 14.2400% | 4,535 |
| Equity capital to assets | 78.4677% | 107 |
| Core capital (leverage) ratio | 83.8904% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 307.4852% | 31 |
| Memoranda: | ||
| Average total assets | $13,717,500 | 4,574 |
| Average earning assets | $8,743,500 | 4,550 |
| Average equity | $10,846,750 | 3,634 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7927% | 4,631 |
| Cost of funding earning assets | 0.1120% | 4,509 |
| Net interest margin | 1.6806% | 4,559 |
| Noninterest income to average assets | 61.0500% | 39 |
| Noninterest expense to average assets | 57.9190% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 3.0863% | 142 |
| Return on assets (ROA) | 3.0863% | 141 |
| Pretax return on assets | 4.2326% | 103 |
| Return on Equity (ROE) | 3.8900% | 4,039 |
| Retained earnings to average equity (ytd only) | 3.8929% | 3,231 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.1899% | 280 |
| Assets per employee ($millions) | 0.5940% | 4,574 |
| 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 | 14.6400% | 4,560 |
| Equity capital to assets | 79.3866% | 101 |
| Core capital (leverage) ratio | 84.0083% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 306.4639% | 28 |
| Memoranda: | ||
| Average total assets | $13,608,667 | 4,603 |
| Average earning assets | $8,925,333 | 4,578 |
| Average equity | $10,789,000 | 3,651 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8164% | 4,660 |
| Cost of funding earning assets | 0.0865% | 4,551 |
| Net interest margin | 1.7299% | 4,614 |
| Noninterest income to average assets | 64.3800% | 41 |
| Noninterest expense to average assets | 55.6599% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 7.2152% | 51 |
| Return on assets (ROA) | 7.2152% | 52 |
| Pretax return on assets | 9.8951% | 47 |
| Return on Equity (ROE) | 9.1100% | 3,019 |
| Retained earnings to average equity (ytd only) | 9.1070% | 1,917 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 84.9057% | 551 |
| Assets per employee ($millions) | 0.5946% | 4,636 |
| 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 | 14.6300% | 4,608 |
| Equity capital to assets | 79.8318% | 59 |
| Core capital (leverage) ratio | 83.5968% | 53 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 307.4980% | 26 |
| Memoranda: | ||
| Average total assets | $13,582,500 | 4,666 |
| Average earning assets | $9,249,000 | 4,644 |
| Average equity | $10,761,000 | 3,696 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0454% | 4,685 |
| Cost of funding earning assets | 0.2014% | 3,751 |
| Net interest margin | 0.8440% | 4,687 |
| Noninterest income to average assets | 98.8100% | 26 |
| Noninterest expense to average assets | 46.7629% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 40.1110% | 10 |
| Return on assets (ROA) | 40.1110% | 10 |
| Pretax return on assets | 52.4723% | 8 |
| Return on Equity (ROE) | 54.6000% | 27 |
| Retained earnings to average equity (ytd only) | 54.5987% | 8 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 47.1233% | 4,293 |
| Assets per employee ($millions) | 0.6424% | 4,667 |
| 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 | 14.8300% | 4,640 |
| Equity capital to assets | 78.6138% | 62 |
| Core capital (leverage) ratio | 78.7233% | 55 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 294.1301% | 30 |
| Memoranda: | ||
| Average total assets | $20,580,400 | 4,665 |
| Average earning assets | $10,426,200 | 4,676 |
| Average equity | $15,119,400 | 3,361 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9393% | 4,707 |
| Cost of funding earning assets | 0.2505% | 2,703 |
| Net interest margin | 0.6888% | 4,722 |
| Noninterest income to average assets | 51.9200% | 46 |
| Noninterest expense to average assets | 46.8889% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 4.0202% | 78 |
| Return on assets (ROA) | 4.0202% | 75 |
| Pretax return on assets | 5.3623% | 70 |
| Return on Equity (ROE) | 5.5300% | 3,881 |
| Retained earnings to average equity (ytd only) | 5.5308% | 2,915 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.7374% | 329 |
| Assets per employee ($millions) | 0.7298% | 4,700 |
| 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 | 12.4600% | 4,686 |
| Equity capital to assets | 78.8726% | 61 |
| Core capital (leverage) ratio | 81.7642% | 59 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 230.1985% | 40 |
| Memoranda: | ||
| Average total assets | $22,353,000 | 4,697 |
| Average earning assets | $10,646,000 | 4,712 |
| Average equity | $16,248,000 | 3,290 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9866% | 4,738 |
| Cost of funding earning assets | 0.3408% | 1,359 |
| Net interest margin | 0.6458% | 4,750 |
| Noninterest income to average assets | 54.7841% | 16 |
| Noninterest expense to average assets | 49.4268% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 4.2368% | 39 |
| Return on assets (ROA) | 4.2368% | 37 |
| Pretax return on assets | 5.6518% | 33 |
| Return on Equity (ROE) | 5.9393% | 3,586 |
| Retained earnings to average equity (ytd only) | 5.9393% | 2,351 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7386% | 417 |
| Assets per employee ($millions) | 0.7830% | 4,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 11.6104% | 4,753 |
| Equity capital to assets | 73.7606% | 30 |
| Core capital (leverage) ratio | 52.8676% | 41 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 269.1531% | 12 |
| Memoranda: | ||
| Average total assets | $24,452,333 | 4,720 |
| Average earning assets | $11,149,000 | 4,752 |
| Average equity | $17,443,000 | 3,278 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2364% | 4,749 |
| Cost of funding earning assets | 0.6349% | 213 |
| Net interest margin | 0.6015% | 4,775 |
| Noninterest income to average assets | 215.8950% | 4 |
| Noninterest expense to average assets | 58.0642% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 118.5655% | 2 |
| Return on assets (ROA) | 118.5655% | 2 |
| Pretax return on assets | 158.0873% | 2 |
| Return on Equity (ROE) | 167.9631% | 2 |
| Retained earnings to average equity (ytd only) | 167.9631% | 1 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.8627% | 4,759 |
| Assets per employee ($millions) | 1.4048% | 4,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 6.4714% | 4,782 |
| Equity capital to assets | 77.4147% | 26 |
| Core capital (leverage) ratio | 90.1467% | 17 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 314.8745% | 9 |
| Memoranda: | ||
| Average total assets | $28,065,500 | 4,717 |
| Average earning assets | $11,970,500 | 4,778 |
| Average equity | $19,811,500 | 3,162 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9842% | 4,788 |
| Cost of funding earning assets | 0.9339% | 93 |
| Net interest margin | 0.0503% | 4,830 |
| Noninterest income to average assets | 102.5961% | 13 |
| Noninterest expense to average assets | 91.0942% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 8.5330% | 24 |
| Return on assets (ROA) | 8.5538% | 23 |
| Pretax return on assets | 11.5488% | 23 |
| Return on Equity (ROE) | 14.0041% | 1,184 |
| Retained earnings to average equity (ytd only) | 14.0041% | 303 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7714% | 364 |
| Assets per employee ($millions) | 0.4946% | 4,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.9283% | 4,826 |
| Equity capital to assets | 62.2294% | 27 |
| Core capital (leverage) ratio | 64.0321% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 207.6734% | 15 |
| Memoranda: | ||
| Average total assets | $34,090,000 | 4,715 |
| Average earning assets | $13,919,600 | 4,815 |
| Average equity | $20,822,400 | 3,148 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0168% | 4,871 |
| Cost of funding earning assets | 1.0357% | 75 |
| Net interest margin | -0.0188% | 4,911 |
| Noninterest income to average assets | 109.9332% | 11 |
| Noninterest expense to average assets | 101.0864% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 6.6323% | 35 |
| Return on assets (ROA) | 6.6323% | 34 |
| Pretax return on assets | 8.8395% | 30 |
| Return on Equity (ROE) | 10.8939% | 2,401 |
| Retained earnings to average equity (ytd only) | 10.8939% | 1,084 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9587% | 272 |
| Assets per employee ($millions) | 0.3688% | 4,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 9.1916% | 4,900 |
| Equity capital to assets | 67.4985% | 27 |
| Core capital (leverage) ratio | 59.4211% | 32 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 227.6615% | 18 |
| Memoranda: | ||
| Average total assets | $36,306,000 | 4,767 |
| Average earning assets | $14,161,250 | 4,886 |
| Average equity | $22,103,500 | 3,078 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1190% | 4,901 |
| Cost of funding earning assets | 1.1576% | 54 |
| Net interest margin | -0.0386% | 4,948 |
| Noninterest income to average assets | 119.1884% | 10 |
| Noninterest expense to average assets | 109.5711% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 7.2020% | 30 |
| Return on assets (ROA) | 7.2020% | 30 |
| Pretax return on assets | 9.6027% | 26 |
| Return on Equity (ROE) | 12.0607% | 2,036 |
| Retained earnings to average equity (ytd only) | 12.0607% | 902 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9423% | 296 |
| Assets per employee ($millions) | 0.3801% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 9.5680% | 4,938 |
| Equity capital to assets | 68.8514% | 28 |
| Core capital (leverage) ratio | 51.2362% | 34 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 224.3340% | 15 |
| Memoranda: | ||
| Average total assets | $41,155,000 | 4,752 |
| Average earning assets | $15,549,000 | 4,915 |
| Average equity | $24,575,667 | 2,904 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2188% | 4,927 |
| Cost of funding earning assets | 1.6407% | 12 |
| Net interest margin | -0.4219% | 4,976 |
| Noninterest income to average assets | 153.0937% | 6 |
| Noninterest expense to average assets | 142.2983% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 7.9952% | 32 |
| Return on assets (ROA) | 7.9952% | 31 |
| Pretax return on assets | 10.6550% | 28 |
| Return on Equity (ROE) | 13.8198% | 1,470 |
| Retained earnings to average equity (ytd only) | 13.8198% | 776 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0338% | 300 |
| Assets per employee ($millions) | 0.5390% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.4206% | 4,967 |
| Equity capital to assets | 64.5778% | 28 |
| Core capital (leverage) ratio | 17.5030% | 283 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 151.3334% | 21 |
| Memoranda: | ||
| Average total assets | $51,281,000 | 4,661 |
| Average earning assets | $17,065,500 | 4,933 |
| Average equity | $29,667,500 | 2,569 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0254% | 4,914 |
| Cost of funding earning assets | 2.0993% | 6 |
| Net interest margin | -0.0739% | 4,999 |
| Noninterest income to average assets | 108.1583% | 11 |
| Noninterest expense to average assets | 106.9864% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.7317% | 3,325 |
| Return on assets (ROA) | 0.9037% | 2,816 |
| Pretax return on assets | 1.3651% | 1,771 |
| Return on Equity (ROE) | 1.5557% | 4,617 |
| Retained earnings to average equity (ytd only) | 1.5557% | 4,013 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9390% | 191 |
| Assets per employee ($millions) | 0.2362% | 4,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.4612% | 4,993 |
| Equity capital to assets | 58.5528% | 28 |
| Core capital (leverage) ratio | 44.4280% | 34 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 149.4835% | 19 |
| Memoranda: | ||
| Average total assets | $73,473,800 | 4,335 |
| Average earning assets | $24,341,400 | 4,884 |
| Average equity | $42,681,600 | 1,916 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0912% | 4,957 |
| Cost of funding earning assets | 2.1533% | 6 |
| Net interest margin | -0.0621% | 5,032 |
| Noninterest income to average assets | 109.1510% | 11 |
| Noninterest expense to average assets | 108.3029% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.6114% | 3,724 |
| Return on assets (ROA) | 0.6114% | 3,828 |
| Pretax return on assets | 0.8258% | 3,577 |
| Return on Equity (ROE) | 1.0549% | 4,699 |
| Retained earnings to average equity (ytd only) | 1.0549% | 4,240 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2433% | 181 |
| Assets per employee ($millions) | 0.2903% | 5,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8471% | 5,025 |
| Equity capital to assets | 59.4297% | 30 |
| Core capital (leverage) ratio | 34.2467% | 53 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 134.6472% | 26 |
| Memoranda: | ||
| Average total assets | $71,527,250 | 4,369 |
| Average earning assets | $25,758,000 | 4,906 |
| Average equity | $41,457,000 | 1,952 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2309% | 5,003 |
| Cost of funding earning assets | 2.3162% | 3 |
| Net interest margin | -0.0852% | 5,065 |
| Noninterest income to average assets | 107.3681% | 11 |
| Noninterest expense to average assets | 107.3042% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.0250% | 4,757 |
| Return on assets (ROA) | 0.0250% | 4,780 |
| Pretax return on assets | 0.0334% | 4,768 |
| Return on Equity (ROE) | 0.0435% | 4,791 |
| Retained earnings to average equity (ytd only) | 0.0435% | 4,297 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9689% | 185 |
| Assets per employee ($millions) | 0.2128% | 5,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7809% | 5,058 |
| Equity capital to assets | 57.6273% | 32 |
| Core capital (leverage) ratio | 33.9702% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 133.2047% | 26 |
| Memoranda: | ||
| Average total assets | $71,954,333 | 4,375 |
| Average earning assets | $25,818,667 | 4,937 |
| Average equity | $41,360,333 | 1,942 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3753% | 5,064 |
| Cost of funding earning assets | 2.8128% | 1 |
| Net interest margin | -0.4376% | 5,115 |
| Noninterest income to average assets | 112.9773% | 11 |
| Noninterest expense to average assets | 113.1496% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.2390% | 4,866 |
| Return on assets (ROA) | -0.2390% | 4,840 |
| Pretax return on assets | -0.3279% | 4,849 |
| Return on Equity (ROE) | -0.4163% | 4,768 |
| Retained earnings to average equity (ytd only) | -0.4163% | 4,058 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2906% | 233 |
| Assets per employee ($millions) | 0.2121% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8484% | 5,106 |
| Equity capital to assets | 59.0110% | 35 |
| Core capital (leverage) ratio | 31.0069% | 63 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 132.9276% | 31 |
| Memoranda: | ||
| Average total assets | $71,972,000 | 4,375 |
| Average earning assets | $25,597,000 | 4,981 |
| Average equity | $41,318,000 | 1,939 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3310% | 5,132 |
| Cost of funding earning assets | 2.9470% | 2 |
| Net interest margin | -0.6160% | 5,175 |
| Noninterest income to average assets | 108.4092% | 12 |
| Noninterest expense to average assets | 110.7982% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | -1.9281% | 5,129 |
| Return on assets (ROA) | -1.9281% | 5,130 |
| Pretax return on assets | -2.6260% | 5,139 |
| Return on Equity (ROE) | -3.3015% | 5,053 |
| Retained earnings to average equity (ytd only) | -3.3015% | 4,921 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4276% | 137 |
| Assets per employee ($millions) | 0.2269% | 5,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.7126% | 5,168 |
| Equity capital to assets | 55.8823% | 34 |
| Core capital (leverage) ratio | 38.3563% | 55 |
| Tier 1 risk-based capital ratio | 133.2912% | 34 |
| Total risk-based capital ratio | 133.2912% | 34 |
| Memoranda: | ||
| Average total assets | $68,355,800 | 4,456 |
| Average earning assets | $26,298,200 | 5,030 |
| Average equity | $39,921,800 | 1,938 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3117% | 5,224 |
| Cost of funding earning assets | 3.0087% | 2 |
| Net interest margin | -0.6970% | 5,255 |
| Noninterest income to average assets | 109.2290% | 12 |
| Noninterest expense to average assets | 112.2334% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | -2.3955% | 5,216 |
| Return on assets (ROA) | -2.3955% | 5,215 |
| Pretax return on assets | -3.2809% | 5,226 |
| Return on Equity (ROE) | -4.0536% | 5,147 |
| Retained earnings to average equity (ytd only) | -4.0536% | 5,027 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0113% | 131 |
| Assets per employee ($millions) | 0.1980% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1172% | 5,247 |
| Equity capital to assets | 61.1150% | 35 |
| Core capital (leverage) ratio | 34.2271% | 61 |
| Tier 1 risk-based capital ratio | 143.4857% | 34 |
| Total risk-based capital ratio | 143.4857% | 34 |
| Memoranda: | ||
| Average total assets | $67,012,250 | 4,536 |
| Average earning assets | $26,589,000 | 5,106 |
| Average equity | $39,601,750 | 1,961 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2934% | 5,279 |
| Cost of funding earning assets | 3.0931% | 2 |
| Net interest margin | -0.7997% | 5,302 |
| Noninterest income to average assets | 105.8787% | 12 |
| Noninterest expense to average assets | 109.2865% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | -2.7162% | 5,270 |
| Return on assets (ROA) | -2.7162% | 5,270 |
| Pretax return on assets | -3.7197% | 5,280 |
| Return on Equity (ROE) | -4.6462% | 5,202 |
| Retained earnings to average equity (ytd only) | -4.6462% | 5,048 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5235% | 135 |
| Assets per employee ($millions) | 0.2102% | 5,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.0020% | 5,294 |
| Equity capital to assets | 59.2417% | 34 |
| Core capital (leverage) ratio | 34.8660% | 57 |
| Tier 1 risk-based capital ratio | 143.2142% | 32 |
| Total risk-based capital ratio | 143.2142% | 32 |
| Memoranda: | ||
| Average total assets | $67,962,670 | 4,550 |
| Average earning assets | $26,510,670 | 5,150 |
| Average equity | $39,731,670 | 1,948 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2030% | 5,350 |
| Cost of funding earning assets | 3.3121% | 2 |
| Net interest margin | -1.1091% | 5,361 |
| Noninterest income to average assets | 101.4323% | 13 |
| Noninterest expense to average assets | 106.1355% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -3.7416% | 5,341 |
| Return on assets (ROA) | -3.7416% | 5,340 |
| Pretax return on assets | -5.1287% | 5,346 |
| Return on Equity (ROE) | -6.4420% | 5,273 |
| Retained earnings to average equity (ytd only) | -6.4420% | 4,991 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.0776% | 131 |
| Assets per employee ($millions) | 0.2349% | 5,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8471% | 5,351 |
| Equity capital to assets | 56.3640% | 34 |
| Core capital (leverage) ratio | 32.5585% | 62 |
| Tier 1 risk-based capital ratio | 127.3209% | 34 |
| Total risk-based capital ratio | 127.3209% | 34 |
| Memoranda: | ||
| Average total assets | $68,633,000 | 4,590 |
| Average earning assets | $26,327,500 | 5,204 |
| Average equity | $39,863,500 | 1,928 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8745% | 5,375 |
| Cost of funding earning assets | 3.3241% | 1 |
| Net interest margin | -1.4496% | 5,404 |
| Noninterest income to average assets | 111.4942% | 9 |
| Noninterest expense to average assets | 112.5438% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | -1.3777% | 5,356 |
| Return on assets (ROA) | -1.3777% | 5,353 |
| Pretax return on assets | -1.6309% | 5,356 |
| Return on Equity (ROE) | -2.2755% | 5,276 |
| Retained earnings to average equity (ytd only) | -2.2755% | 5,141 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.4705% | 130 |
| Assets per employee ($millions) | 0.2205% | 5,393 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 2.9842% | 5,393 |
| Equity capital to assets | 59.8830% | 34 |
| Core capital (leverage) ratio | 43.4736% | 42 |
| Tier 1 risk-based capital ratio | 224.4066% | 26 |
| Total risk-based capital ratio | 224.4066% | 26 |
| Memoranda: | ||
| Average total assets | $62,786,200 | 4,705 |
| Average earning assets | $25,179,400 | 5,262 |
| Average equity | $38,013,600 | 1,939 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8148% | 5,449 |
| Cost of funding earning assets | 3.3254% | 1 |
| Net interest margin | -1.5105% | 5,476 |
| Noninterest income to average assets | 112.9918% | 9 |
| Noninterest expense to average assets | 113.0026% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | -0.4536% | 5,383 |
| Return on assets (ROA) | -0.4536% | 5,379 |
| Pretax return on assets | -0.6221% | 5,395 |
| Return on Equity (ROE) | -0.7470% | 5,326 |
| Retained earnings to average equity (ytd only) | -0.7470% | 5,120 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5535% | 148 |
| Assets per employee ($millions) | 0.2003% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.3172% | 5,466 |
| Equity capital to assets | 61.9811% | 33 |
| Core capital (leverage) ratio | 41.1787% | 45 |
| Tier 1 risk-based capital ratio | 212.5732% | 25 |
| Total risk-based capital ratio | 212.5732% | 25 |
| Memoranda: | ||
| Average total assets | $61,728,000 | 4,778 |
| Average earning assets | $24,979,000 | 5,335 |
| Average equity | $37,483,750 | 1,968 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7796% | 5,516 |
| Cost of funding earning assets | 3.4710% | 1 |
| Net interest margin | -1.6914% | 5,541 |
| Noninterest income to average assets | 112.0099% | 9 |
| Noninterest expense to average assets | 111.4408% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | -0.0804% | 5,372 |
| Return on assets (ROA) | -0.0804% | 5,365 |
| Pretax return on assets | -0.1093% | 5,373 |
| Return on Equity (ROE) | -0.1333% | 5,344 |
| Retained earnings to average equity (ytd only) | -0.1333% | 4,980 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.0982% | 172 |
| Assets per employee ($millions) | 0.2078% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.2413% | 5,530 |
| Equity capital to assets | 60.9134% | 37 |
| Core capital (leverage) ratio | 39.1279% | 49 |
| Tier 1 risk-based capital ratio | 218.0007% | 26 |
| Total risk-based capital ratio | 218.0007% | 26 |
| Memoranda: | ||
| Average total assets | $62,207,000 | 4,827 |
| Average earning assets | $24,949,670 | 5,395 |
| Average equity | $37,522,000 | 1,965 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8077% | 5,577 |
| Cost of funding earning assets | 3.3409% | 1 |
| Net interest margin | -1.5333% | 5,605 |
| Noninterest income to average assets | 109.2437% | 10 |
| Noninterest expense to average assets | 111.3443% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.9789% | 5,569 |
| Return on assets (ROA) | -1.9789% | 5,567 |
| Pretax return on assets | -2.7090% | 5,580 |
| Return on Equity (ROE) | -3.2969% | 5,475 |
| Retained earnings to average equity (ytd only) | -3.2969% | 5,102 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4937% | 153 |
| Assets per employee ($millions) | 0.2175% | 5,591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1926% | 5,596 |
| Equity capital to assets | 59.4924% | 36 |
| Core capital (leverage) ratio | 36.4760% | 52 |
| Tier 1 risk-based capital ratio | 189.6726% | 25 |
| Total risk-based capital ratio | 189.6726% | 25 |
| Memoranda: | ||
| Average total assets | $62,458,500 | 4,885 |
| Average earning assets | $24,783,500 | 5,452 |
| Average equity | $37,490,000 | 1,977 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5201% | 5,628 |
| Cost of funding earning assets | 2.5779% | 2 |
| Net interest margin | -1.0578% | 5,669 |
| Noninterest income to average assets | 102.6251% | 12 |
| Noninterest expense to average assets | 106.3251% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -3.3341% | 5,654 |
| Return on assets (ROA) | -3.5484% | 5,655 |
| Pretax return on assets | -4.4000% | 5,658 |
| Return on Equity (ROE) | -5.4535% | 5,547 |
| Retained earnings to average equity (ytd only) | -5.4535% | 5,450 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0468% | 133 |
| Assets per employee ($millions) | 0.2177% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.2117% | 5,659 |
| Equity capital to assets | 60.5585% | 33 |
| Core capital (leverage) ratio | 38.6542% | 43 |
| Tier 1 risk-based capital ratio | 178.1124% | 26 |
| Total risk-based capital ratio | 178.1124% | 26 |
| Memoranda: | ||
| Average total assets | $31,000,200 | 5,478 |
| Average earning assets | $12,762,200 | 5,636 |
| Average equity | $20,170,400 | 3,125 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4545% | 5,704 |
| Cost of funding earning assets | 1.7777% | 6 |
| Net interest margin | -0.3232% | 5,736 |
| Noninterest income to average assets | 84.7121% | 16 |
| Noninterest expense to average assets | 87.9501% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | -2.0045% | 5,713 |
| Return on assets (ROA) | -2.3063% | 5,715 |
| Pretax return on assets | -3.8476% | 5,725 |
| Return on Equity (ROE) | -3.3870% | 5,615 |
| Retained earnings to average equity (ytd only) | -3.3870% | 5,504 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9918% | 132 |
| Assets per employee ($millions) | 0.2102% | 5,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.3152% | 5,725 |
| Equity capital to assets | 63.8112% | 34 |
| Core capital (leverage) ratio | 46.1073% | 39 |
| Tier 1 risk-based capital ratio | 183.1567% | 25 |
| Total risk-based capital ratio | 183.1567% | 25 |
| Memoranda: | ||
| Average total assets | $23,182,250 | 5,634 |
| Average earning assets | $9,900,500 | 5,713 |
| Average equity | $15,785,250 | 3,660 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9078% | 5,737 |
| Cost of funding earning assets | 0.0000% | 5,773 |
| Net interest margin | 1.9078% | 5,706 |
| Noninterest income to average assets | 63.6277% | 19 |
| Noninterest expense to average assets | 67.4239% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.5533% | 5,754 |
| Return on assets (ROA) | -2.5370% | 5,765 |
| Pretax return on assets | -4.2221% | 5,773 |
| Return on Equity (ROE) | -3.3354% | 5,658 |
| Retained earnings to average equity (ytd only) | -3.3354% | 5,453 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1476% | 149 |
| Assets per employee ($millions) | 0.5857% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 17.0736% | 5,764 |
| Equity capital to assets | 75.2433% | 31 |
| Core capital (leverage) ratio | 89.6387% | 16 |
| Tier 1 risk-based capital ratio | 309.2346% | 16 |
| Total risk-based capital ratio | 309.2346% | 16 |
| Memoranda: | ||
| Average total assets | $10,800,330 | 5,775 |
| Average earning assets | $6,290,000 | 5,776 |
| Average equity | $8,215,000 | 4,824 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6528% | 5,817 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 1.6528% | 5,800 |
| Noninterest income to average assets | 62.6867% | 19 |
| Noninterest expense to average assets | 63.2281% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.2707% | 5,264 |
| Return on assets (ROA) | 0.2707% | 5,280 |
| Pretax return on assets | 0.4254% | 5,111 |
| Return on Equity (ROE) | 0.3537% | 5,583 |
| Retained earnings to average equity (ytd only) | 0.3537% | 4,836 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3317% | 233 |
| Assets per employee ($millions) | 0.4927% | 5,825 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 19.3293% | 5,829 |
| Equity capital to assets | 76.5536% | 32 |
| Core capital (leverage) ratio | 81.1355% | 26 |
| Tier 1 risk-based capital ratio | 451.0181% | 10 |
| Total risk-based capital ratio | 451.0181% | 10 |
| Memoranda: | ||
| Average total assets | $10,343,500 | 5,844 |
| Average earning assets | $6,050,500 | 5,845 |
| Average equity | $7,915,500 | 4,920 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7640% | 5,857 |
| Cost of funding earning assets | 0.0000% | 5,897 |
| Net interest margin | 1.7640% | 5,835 |
| Noninterest income to average assets | 62.7576% | 19 |
| Noninterest expense to average assets | 63.2822% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.2289% | 5,359 |
| Return on assets (ROA) | 0.2289% | 5,425 |
| Pretax return on assets | 0.5723% | 4,871 |
| Return on Equity (ROE) | 0.3027% | 5,638 |
| Retained earnings to average equity (ytd only) | 0.3027% | 5,197 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.1037% | 236 |
| Assets per employee ($millions) | 0.4924% | 5,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 19.3424% | 5,887 |
| Equity capital to assets | 76.4990% | 28 |
| Core capital (leverage) ratio | 79.3333% | 23 |
| Tier 1 risk-based capital ratio | 408.8718% | 12 |
| Total risk-based capital ratio | 408.8718% | 12 |
| Memoranda: | ||
| Average total assets | $10,483,200 | 5,901 |
| Average earning assets | $6,519,400 | 5,900 |
| Average equity | $7,927,400 | 4,944 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7420% | 5,928 |
| Cost of funding earning assets | 0.0000% | 5,963 |
| Net interest margin | 1.7420% | 5,902 |
| Noninterest income to average assets | 62.6280% | 19 |
| Noninterest expense to average assets | 62.9955% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4309% | 4,932 |
| Return on assets (ROA) | 0.4309% | 5,014 |
| Pretax return on assets | 0.7225% | 4,546 |
| Return on Equity (ROE) | 0.5715% | 5,690 |
| Retained earnings to average equity (ytd only) | 0.5715% | 5,209 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8661% | 244 |
| Assets per employee ($millions) | 0.5035% | 5,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 18.9143% | 5,955 |
| Equity capital to assets | 75.5627% | 30 |
| Core capital (leverage) ratio | 78.5297% | 25 |
| Tier 1 risk-based capital ratio | 393.8958% | 10 |
| Total risk-based capital ratio | 393.8958% | 10 |
| Memoranda: | ||
| Average total assets | $10,519,000 | 5,968 |
| Average earning assets | $6,582,250 | 5,966 |
| Average equity | $7,931,750 | 4,994 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8145% | 6,004 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 1.8145% | 5,978 |
| Noninterest income to average assets | 62.3960% | 18 |
| Noninterest expense to average assets | 64.9292% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | -0.8571% | 5,966 |
| Return on assets (ROA) | -0.8571% | 5,970 |
| Pretax return on assets | -1.4094% | 5,991 |
| Return on Equity (ROE) | -1.1375% | 5,845 |
| Retained earnings to average equity (ytd only) | -1.1375% | 5,453 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2189% | 216 |
| Assets per employee ($millions) | 0.4999% | 6,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 19.0531% | 6,033 |
| Equity capital to assets | 75.4215% | 29 |
| Core capital (leverage) ratio | 80.1531% | 24 |
| Tier 1 risk-based capital ratio | 406.9948% | 10 |
| Total risk-based capital ratio | 406.9948% | 10 |
| Memoranda: | ||
| Average total assets | $10,500,670 | 6,046 |
| Average earning assets | $6,503,000 | 6,044 |
| Average equity | $7,912,330 | 5,040 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8213% | 6,066 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 1.8213% | 6,040 |
| Noninterest income to average assets | 60.4428% | 19 |
| Noninterest expense to average assets | 62.8041% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.7617% | 6,009 |
| Return on assets (ROA) | -0.7617% | 6,011 |
| Pretax return on assets | -1.2568% | 6,039 |
| Return on Equity (ROE) | -1.0114% | 5,874 |
| Retained earnings to average equity (ytd only) | -1.0114% | 5,279 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.0421% | 242 |
| Assets per employee ($millions) | 0.4473% | 6,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 19.4420% | 6,096 |
| Equity capital to assets | 77.0098% | 31 |
| Core capital (leverage) ratio | 77.0327% | 25 |
| Tier 1 risk-based capital ratio | 427.2875% | 11 |
| Total risk-based capital ratio | 427.2875% | 11 |
| Memoranda: | ||
| Average total assets | $10,502,500 | 6,109 |
| Average earning assets | $6,369,000 | 6,109 |
| Average equity | $7,910,000 | 5,070 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7106% | 6,114 |
| Cost of funding earning assets | 0.0308% | 6,129 |
| Net interest margin | 1.6798% | 6,095 |
| Noninterest income to average assets | 64.7291% | 20 |
| Noninterest expense to average assets | 65.6525% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.0187% | 5,853 |
| Return on assets (ROA) | 0.0187% | 5,878 |
| Pretax return on assets | 0.0933% | 5,808 |
| Return on Equity (ROE) | 0.0251% | 5,895 |
| Retained earnings to average equity (ytd only) | 0.0251% | 5,497 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8581% | 286 |
| Assets per employee ($millions) | 0.4466% | 6,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 18.6602% | 6,155 |
| Equity capital to assets | 73.6891% | 31 |
| Core capital (leverage) ratio | 80.0564% | 25 |
| Tier 1 risk-based capital ratio | 389.2210% | 13 |
| Total risk-based capital ratio | 389.2210% | 13 |
| Memoranda: | ||
| Average total assets | $10,721,600 | 6,170 |
| Average earning assets | $6,488,800 | 6,169 |
| Average equity | $7,954,200 | 5,074 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6607% | 6,211 |
| Cost of funding earning assets | 0.0000% | 6,253 |
| Net interest margin | 1.6607% | 6,190 |
| Noninterest income to average assets | 65.8164% | 20 |
| Noninterest expense to average assets | 65.4681% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7585% | 3,641 |
| Return on assets (ROA) | 0.7585% | 3,745 |
| Pretax return on assets | 1.3678% | 2,143 |
| Return on Equity (ROE) | 1.0207% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.0207% | 5,309 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.9535% | 357 |
| Assets per employee ($millions) | 0.4811% | 6,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 18.8964% | 6,240 |
| Equity capital to assets | 75.5102% | 31 |
| Core capital (leverage) ratio | 78.2856% | 27 |
| Tier 1 risk-based capital ratio | 403.7430% | 12 |
| Total risk-based capital ratio | 403.7430% | 12 |
| Memoranda: | ||
| Average total assets | $10,722,500 | 6,257 |
| Average earning assets | $6,583,500 | 6,256 |
| Average equity | $7,968,250 | 5,134 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6577% | 6,287 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 1.6577% | 6,264 |
| Noninterest income to average assets | 67.6778% | 21 |
| Noninterest expense to average assets | 66.5820% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1886% | 1,636 |
| Return on assets (ROA) | 1.1886% | 1,704 |
| Pretax return on assets | 2.1173% | 481 |
| Return on Equity (ROE) | 1.6080% | 5,777 |
| Retained earnings to average equity (ytd only) | 1.6080% | 4,895 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.9181% | 407 |
| Assets per employee ($millions) | 0.5182% | 6,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 17.5439% | 6,318 |
| Equity capital to assets | 70.0789% | 33 |
| Core capital (leverage) ratio | 81.3958% | 23 |
| Tier 1 risk-based capital ratio | 381.3365% | 13 |
| Total risk-based capital ratio | 381.3365% | 13 |
| Memoranda: | ||
| Average total assets | $10,768,670 | 6,333 |
| Average earning assets | $6,635,670 | 6,332 |
| Average equity | $7,960,330 | 5,176 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7149% | 6,352 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 1.7149% | 6,325 |
| Noninterest income to average assets | 66.4690% | 21 |
| Noninterest expense to average assets | 64.7087% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6837% | 612 |
| Return on assets (ROA) | 1.6837% | 640 |
| Pretax return on assets | 2.8317% | 150 |
| Return on Equity (ROE) | 2.2150% | 5,633 |
| Retained earnings to average equity (ytd only) | 2.2150% | 4,577 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8074% | 512 |
| Assets per employee ($millions) | 0.4981% | 6,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 19.1205% | 6,387 |
| Equity capital to assets | 76.4054% | 32 |
| Core capital (leverage) ratio | 79.4578% | 28 |
| Tier 1 risk-based capital ratio | 397.7812% | 11 |
| Total risk-based capital ratio | 397.7812% | 11 |
| Memoranda: | ||
| Average total assets | $10,453,000 | 6,403 |
| Average earning assets | $6,531,000 | 6,401 |
| Average equity | $7,946,000 | 5,226 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4291% | 6,455 |
| Cost of funding earning assets | 0.0307% | 6,453 |
| Net interest margin | 1.3984% | 6,440 |
| Noninterest income to average assets | 65.2687% | 20 |
| Noninterest expense to average assets | 61.5339% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 3.4468% | 71 |
| Return on assets (ROA) | 3.4468% | 72 |
| Pretax return on assets | 4.6086% | 61 |
| Return on Equity (ROE) | 4.6466% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.6466% | 2,865 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0324% | 646 |
| Assets per employee ($millions) | 0.4542% | 6,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 19.1461% | 6,477 |
| Equity capital to assets | 75.6270% | 30 |
| Core capital (leverage) ratio | 74.9138% | 29 |
| Tier 1 risk-based capital ratio | 348.1227% | 16 |
| Total risk-based capital ratio | 348.1227% | 16 |
| Memoranda: | ||
| Average total assets | $10,415,400 | 6,492 |
| Average earning assets | $6,507,600 | 6,492 |
| Average equity | $7,726,000 | 5,261 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4421% | 6,540 |
| Cost of funding earning assets | 0.0206% | 6,550 |
| Net interest margin | 1.4216% | 6,522 |
| Noninterest income to average assets | 65.8467% | 20 |
| Noninterest expense to average assets | 61.1709% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 3.4461% | 73 |
| Return on assets (ROA) | 3.4461% | 73 |
| Pretax return on assets | 5.5598% | 50 |
| Return on Equity (ROE) | 4.6685% | 4,870 |
| Retained earnings to average equity (ytd only) | 4.6685% | 3,308 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6683% | 730 |
| Assets per employee ($millions) | 0.4725% | 6,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 19.2382% | 6,557 |
| Equity capital to assets | 74.9038% | 28 |
| Core capital (leverage) ratio | 74.2702% | 30 |
| Tier 1 risk-based capital ratio | 370.6201% | 12 |
| Total risk-based capital ratio | 370.6201% | 12 |
| Memoranda: | ||
| Average total assets | $10,407,750 | 6,572 |
| Average earning assets | $6,471,750 | 6,571 |
| Average equity | $7,682,500 | 5,317 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4477% | 6,606 |
| Cost of funding earning assets | 0.0302% | 6,603 |
| Net interest margin | 1.4176% | 6,588 |
| Noninterest income to average assets | 67.1554% | 20 |
| Noninterest expense to average assets | 61.4119% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 4.1108% | 59 |
| Return on assets (ROA) | 4.1108% | 60 |
| Pretax return on assets | 6.6464% | 42 |
| Return on Equity (ROE) | 5.5965% | 4,388 |
| Retained earnings to average equity (ytd only) | 5.5965% | 2,581 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2343% | 899 |
| Assets per employee ($millions) | 0.4730% | 6,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 19.2215% | 6,626 |
| Equity capital to assets | 74.4065% | 32 |
| Core capital (leverage) ratio | 73.7506% | 30 |
| Tier 1 risk-based capital ratio | 378.4522% | 11 |
| Total risk-based capital ratio | 378.4522% | 11 |
| Memoranda: | ||
| Average total assets | $10,411,670 | 6,639 |
| Average earning assets | $6,631,000 | 6,639 |
| Average equity | $7,647,670 | 5,358 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4186% | 6,683 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 1.4186% | 6,665 |
| Noninterest income to average assets | 66.0202% | 22 |
| Noninterest expense to average assets | 56.8795% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 6.2218% | 34 |
| Return on assets (ROA) | 6.2218% | 34 |
| Pretax return on assets | 10.0624% | 27 |
| Return on Equity (ROE) | 8.5258% | 2,676 |
| Retained earnings to average equity (ytd only) | 8.5258% | 1,408 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9684% | 1,550 |
| Assets per employee ($millions) | 0.4566% | 6,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 19.0458% | 6,696 |
| Equity capital to assets | 73.0978% | 36 |
| Core capital (leverage) ratio | 72.4310% | 32 |
| Tier 1 risk-based capital ratio | 308.9925% | 19 |
| Total risk-based capital ratio | 308.9925% | 19 |
| Memoranda: | ||
| Average total assets | $10,415,000 | 6,711 |
| Average earning assets | $6,767,000 | 6,712 |
| Average equity | $7,600,500 | 5,391 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3529% | 6,793 |
| Cost of funding earning assets | 0.0088% | 6,779 |
| Net interest margin | 0.3441% | 6,790 |
| Noninterest income to average assets | 22.4291% | 33 |
| Noninterest expense to average assets | 21.6394% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4746% | 4,845 |
| Return on assets (ROA) | 0.1681% | 5,962 |
| Pretax return on assets | 0.5582% | 5,015 |
| Return on Equity (ROE) | 0.1854% | 6,218 |
| Retained earnings to average equity (ytd only) | 0.1854% | 5,766 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.4266% | 671 |
| Assets per employee ($millions) | 0.3973% | 6,779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 19.3630% | 6,780 |
| Equity capital to assets | 72.8531% | 32 |
| Core capital (leverage) ratio | 72.1549% | 30 |
| Tier 1 risk-based capital ratio | 360.5955% | 16 |
| Total risk-based capital ratio | 360.5955% | 16 |
| Memoranda: | ||
| Average total assets | $31,530,400 | 6,494 |
| Average earning assets | $22,667,600 | 6,606 |
| Average equity | $28,591,000 | 2,333 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3005% | 6,874 |
| Cost of funding earning assets | 0.0050% | 6,866 |
| Net interest margin | 0.2954% | 6,873 |
| Noninterest income to average assets | 19.3565% | 40 |
| Noninterest expense to average assets | 17.8977% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0485% | 2,187 |
| Return on assets (ROA) | 0.6987% | 4,001 |
| Pretax return on assets | 1.1259% | 2,996 |
| Return on Equity (ROE) | 0.7600% | 6,221 |
| Retained earnings to average equity (ytd only) | 0.7600% | 5,670 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.4539% | 887 |
| Assets per employee ($millions) | 0.3963% | 6,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 19.4118% | 6,858 |
| Equity capital to assets | 74.4055% | 30 |
| Core capital (leverage) ratio | 73.6984% | 26 |
| Tier 1 risk-based capital ratio | 574.5723% | 4 |
| Total risk-based capital ratio | 574.5723% | 4 |
| Memoranda: | ||
| Average total assets | $36,830,750 | 6,436 |
| Average earning assets | $26,624,750 | 6,588 |
| Average equity | $33,857,500 | 2,049 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2936% | 6,926 |
| Cost of funding earning assets | 0.0060% | 6,914 |
| Net interest margin | 0.2876% | 6,924 |
| Noninterest income to average assets | 16.1363% | 48 |
| Noninterest expense to average assets | 14.8270% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9574% | 2,526 |
| Return on assets (ROA) | 0.5342% | 4,810 |
| Pretax return on assets | 0.8583% | 4,074 |
| Return on Equity (ROE) | 0.5729% | 6,294 |
| Retained earnings to average equity (ytd only) | 0.5729% | 5,671 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7045% | 1,008 |
| Assets per employee ($millions) | 0.3932% | 6,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 19.5637% | 6,907 |
| Equity capital to assets | 74.4400% | 29 |
| Core capital (leverage) ratio | 73.7123% | 27 |
| Tier 1 risk-based capital ratio | 628.9270% | 3 |
| Total risk-based capital ratio | 628.9270% | 3 |
| Memoranda: | ||
| Average total assets | $45,673,330 | 6,242 |
| Average earning assets | $33,381,670 | 6,486 |
| Average equity | $42,588,000 | 1,657 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0763% | 7,015 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 0.0763% | 7,012 |
| Noninterest income to average assets | 11.4577% | 61 |
| Noninterest expense to average assets | 10.3283% | 81 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.7319% | 3,529 |
| Return on assets (ROA) | 0.7319% | 3,667 |
| Pretax return on assets | 1.1861% | 2,631 |
| Return on Equity (ROE) | 0.7723% | 6,267 |
| Retained earnings to average equity (ytd only) | 0.7723% | 5,528 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6986% | 1,169 |
| Assets per employee ($millions) | 2.4085% | 6,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1938% | 6,999 |
| Equity capital to assets | 96.0286% | 4 |
| Core capital (leverage) ratio | 96.0098% | 4 |
| Tier 1 risk-based capital ratio | 954.3860% | 3 |
| Total risk-based capital ratio | 954.3860% | 3 |
| Memoranda: | ||
| Average total assets | $63,398,500 | 5,824 |
| Average earning assets | $47,185,000 | 6,120 |
| Average equity | $60,077,000 | 1,224 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0535% | 1,422 |
| Cost of funding earning assets | 0.6607% | 3,829 |
| Net interest margin | 4.3928% | 1,171 |
| Noninterest income to average assets | 1.0926% | 1,297 |
| Noninterest expense to average assets | 4.9903% | 380 |
| Loan and lease loss provision to assets | 1.0626% | 364 |
| Net operating income to assets | -0.8212% | 6,682 |
| Return on assets (ROA) | -0.4592% | 6,588 |
| Pretax return on assets | -0.3954% | 6,523 |
| Return on Equity (ROE) | -3.2894% | 6,512 |
| Retained earnings to average equity (ytd only) | -3.2894% | 6,287 |
| Net charge-offs to loans | 1.3286% | 722 |
| Credit loss provision to net charge-offs | 110.7250% | 2,638 |
| Earnings coverage of net charge-offs (x) | 0.3181% | 5,319 |
| Efficiency ratio | 92.7553% | 873 |
| Assets per employee ($millions) | 2.5670% | 6,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.7791% | 7,077 |
| Equity capital to assets | 93.5240% | 8 |
| Core capital (leverage) ratio | 15.6773% | 488 |
| Tier 1 risk-based capital ratio | 372.5067% | 16 |
| Total risk-based capital ratio | 372.5067% | 16 |
| Memoranda: | ||
| Average total assets | $452,758,600 | 1,456 |
| Average earning assets | $433,184,400 | 1,393 |
| Average equity | $63,203,800 | 1,125 |
| Average total loans | $327,037,400 | 1,287 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5981% | 3,207 |
| Cost of funding earning assets | 0.6165% | 4,485 |
| Net interest margin | 3.9816% | 2,570 |
| Noninterest income to average assets | 2.0437% | 408 |
| Noninterest expense to average assets | 4.9564% | 374 |
| Loan and lease loss provision to assets | 0.6546% | 802 |
| Net operating income to assets | 0.1543% | 6,026 |
| Return on assets (ROA) | 0.2216% | 6,035 |
| Pretax return on assets | 0.3523% | 5,831 |
| Return on Equity (ROE) | 1.9041% | 6,053 |
| Retained earnings to average equity (ytd only) | 1.9041% | 5,384 |
| Net charge-offs to loans | 1.2299% | 787 |
| Credit loss provision to net charge-offs | 71.5990% | 3,865 |
| Earnings coverage of net charge-offs (x) | 0.9862% | 4,831 |
| Efficiency ratio | 83.3740% | 1,659 |
| Assets per employee ($millions) | 3.5512% | 4,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 5,386 |
| Loan loss allowance to noncurrent loans | 128.6993% | 2,607 |
| Noncurrent assets plus other real estate owned to assets | 1.0137% | 4,257 |
| Noncurrent loans to loans | 0.9154% | 4,603 |
| Net loans and leases to total assets | 73.4301% | 1,332 |
| Net loans and leases to deposits | 88.1373% | 1,332 |
| Net loans and leases to core deposits | 108.4816% | 632 |
| Total domestic deposits to total assets | 83.3134% | 4,513 |
| Equity capital to assets | 12.3019% | 2,042 |
| Core capital (leverage) ratio | 11.4382% | 2,030 |
| Tier 1 risk-based capital ratio | 15.1401% | 3,745 |
| Total risk-based capital ratio | 16.3777% | 3,711 |
| Memoranda: | ||
| Average total assets | $549,904,500 | 1,234 |
| Average earning assets | $526,809,750 | 1,155 |
| Average equity | $64,000,000 | 1,117 |
| Average total loans | $408,796,750 | 1,029 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6075% | 3,329 |
| Cost of funding earning assets | 0.6414% | 4,517 |
| Net interest margin | 3.9661% | 2,650 |
| Noninterest income to average assets | 1.8824% | 433 |
| Noninterest expense to average assets | 4.7952% | 432 |
| Loan and lease loss provision to assets | 0.6451% | 884 |
| Net operating income to assets | 0.1462% | 6,054 |
| Return on assets (ROA) | 0.1462% | 6,221 |
| Pretax return on assets | 0.2362% | 6,085 |
| Return on Equity (ROE) | 1.2794% | 6,244 |
| Retained earnings to average equity (ytd only) | 1.2794% | 5,559 |
| Net charge-offs to loans | 1.1719% | 924 |
| Credit loss provision to net charge-offs | 74.0436% | 3,480 |
| Earnings coverage of net charge-offs (x) | 1.0115% | 4,518 |
| Efficiency ratio | 83.1544% | 1,731 |
| Assets per employee ($millions) | 3.6546% | 4,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2327% | 5,197 |
| Loan loss allowance to noncurrent loans | 116.6323% | 2,802 |
| Noncurrent assets plus other real estate owned to assets | 1.1849% | 4,038 |
| Noncurrent loans to loans | 1.0569% | 4,401 |
| Net loans and leases to total assets | 75.4125% | 1,049 |
| Net loans and leases to deposits | 90.9532% | 1,053 |
| Net loans and leases to core deposits | 113.4059% | 469 |
| Total domestic deposits to total assets | 82.9136% | 4,784 |
| Equity capital to assets | 11.8670% | 2,251 |
| Core capital (leverage) ratio | 11.0230% | 2,271 |
| Tier 1 risk-based capital ratio | 14.2568% | 4,264 |
| Total risk-based capital ratio | 15.5332% | 4,210 |
| Memoranda: | ||
| Average total assets | $558,014,000 | 1,211 |
| Average earning assets | $533,823,000 | 1,145 |
| Average equity | $63,781,330 | 1,112 |
| Average total loans | $414,885,000 | 1,014 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 3,485 |
| Cost of funding earning assets | 0.6658% | 4,571 |
| Net interest margin | 3.9376% | 2,774 |
| Noninterest income to average assets | 1.8645% | 460 |
| Noninterest expense to average assets | 4.7902% | 425 |
| Loan and lease loss provision to assets | 0.6354% | 875 |
| Net operating income to assets | 0.1115% | 6,216 |
| Return on assets (ROA) | 0.1115% | 6,341 |
| Pretax return on assets | 0.1970% | 6,211 |
| Return on Equity (ROE) | 0.9940% | 6,348 |
| Retained earnings to average equity (ytd only) | 0.9940% | 5,675 |
| Net charge-offs to loans | 1.7526% | 544 |
| Credit loss provision to net charge-offs | 49.3963% | 3,299 |
| Earnings coverage of net charge-offs (x) | 0.6471% | 4,011 |
| Efficiency ratio | 83.1868% | 1,776 |
| Assets per employee ($millions) | 3.8824% | 4,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1811% | 5,584 |
| Loan loss allowance to noncurrent loans | 143.5836% | 2,252 |
| Noncurrent assets plus other real estate owned to assets | 0.8111% | 4,920 |
| Noncurrent loans to loans | 0.8226% | 5,030 |
| Net loans and leases to total assets | 68.5076% | 2,020 |
| Net loans and leases to deposits | 82.1614% | 1,917 |
| Net loans and leases to core deposits | 102.2007% | 854 |
| Total domestic deposits to total assets | 83.3817% | 4,770 |
| Equity capital to assets | 10.8654% | 3,067 |
| Core capital (leverage) ratio | 10.0933% | 3,249 |
| Tier 1 risk-based capital ratio | 13.8033% | 4,609 |
| Total risk-based capital ratio | 15.0791% | 4,564 |
| Memoranda: | ||
| Average total assets | $566,578,500 | 1,190 |
| Average earning assets | $540,730,000 | 1,128 |
| Average equity | $63,578,500 | 1,109 |
| Average total loans | $415,834,500 | 1,008 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9169% | 3,280 |
| Cost of funding earning assets | 0.8972% | 4,139 |
| Net interest margin | 4.0197% | 2,792 |
| Noninterest income to average assets | 1.6838% | 497 |
| Noninterest expense to average assets | 4.5123% | 587 |
| Loan and lease loss provision to assets | 0.4999% | 2,103 |
| Net operating income to assets | 0.2905% | 5,288 |
| Return on assets (ROA) | 0.4234% | 4,952 |
| Pretax return on assets | 0.7123% | 4,284 |
| Return on Equity (ROE) | 3.7625% | 4,973 |
| Retained earnings to average equity (ytd only) | 3.7625% | 3,541 |
| Net charge-offs to loans | 0.7418% | 2,293 |
| Credit loss provision to net charge-offs | 85.5632% | 4,218 |
| Earnings coverage of net charge-offs (x) | 1.7194% | 4,487 |
| Efficiency ratio | 79.8431% | 2,323 |
| Assets per employee ($millions) | 3.4836% | 5,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 6,517 |
| Loan loss allowance to noncurrent loans | 104.9171% | 2,931 |
| Noncurrent assets plus other real estate owned to assets | 0.9190% | 4,774 |
| Noncurrent loans to loans | 0.8656% | 4,957 |
| Net loans and leases to total assets | 77.0479% | 816 |
| Net loans and leases to deposits | 92.9074% | 890 |
| Net loans and leases to core deposits | 117.9737% | 399 |
| Total domestic deposits to total assets | 82.9298% | 4,778 |
| Equity capital to assets | 11.6032% | 2,422 |
| Core capital (leverage) ratio | 10.5471% | 2,667 |
| Tier 1 risk-based capital ratio | 13.5246% | 4,679 |
| Total risk-based capital ratio | 14.4644% | 4,882 |
| Memoranda: | ||
| Average total assets | $550,079,000 | 1,198 |
| Average earning assets | $524,536,400 | 1,133 |
| Average equity | $61,900,000 | 1,089 |
| Average total loans | $433,245,800 | 964 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9505% | 3,325 |
| Cost of funding earning assets | 0.9343% | 4,168 |
| Net interest margin | 4.0162% | 2,848 |
| Noninterest income to average assets | 1.6996% | 479 |
| Noninterest expense to average assets | 4.3813% | 647 |
| Loan and lease loss provision to assets | 0.7140% | 1,345 |
| Net operating income to assets | 0.2536% | 5,560 |
| Return on assets (ROA) | 0.4006% | 5,183 |
| Pretax return on assets | 0.6595% | 4,610 |
| Return on Equity (ROE) | 3.5874% | 5,177 |
| Retained earnings to average equity (ytd only) | 3.5874% | 4,187 |
| Net charge-offs to loans | 1.0281% | 1,556 |
| Credit loss provision to net charge-offs | 87.9023% | 3,855 |
| Earnings coverage of net charge-offs (x) | 1.4082% | 4,573 |
| Efficiency ratio | 77.4181% | 2,623 |
| Assets per employee ($millions) | 3.4982% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9284% | 6,516 |
| Loan loss allowance to noncurrent loans | 116.4188% | 2,567 |
| Noncurrent assets plus other real estate owned to assets | 0.8407% | 5,077 |
| Noncurrent loans to loans | 0.7974% | 5,278 |
| Net loans and leases to total assets | 78.0647% | 702 |
| Net loans and leases to deposits | 95.9286% | 701 |
| Net loans and leases to core deposits | 125.7544% | 293 |
| Total domestic deposits to total assets | 81.3779% | 5,303 |
| Equity capital to assets | 11.5119% | 2,667 |
| Core capital (leverage) ratio | 10.4168% | 2,976 |
| Tier 1 risk-based capital ratio | 13.0090% | 5,091 |
| Total risk-based capital ratio | 13.9579% | 5,300 |
| Memoranda: | ||
| Average total assets | $550,869,250 | 1,208 |
| Average earning assets | $524,732,000 | 1,146 |
| Average equity | $61,510,000 | 1,103 |
| Average total loans | $435,244,500 | 972 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9328% | 3,476 |
| Cost of funding earning assets | 0.9721% | 4,155 |
| Net interest margin | 3.9607% | 3,035 |
| Noninterest income to average assets | 1.7062% | 460 |
| Noninterest expense to average assets | 4.3335% | 716 |
| Loan and lease loss provision to assets | 0.7420% | 1,256 |
| Net operating income to assets | 0.2410% | 5,593 |
| Return on assets (ROA) | 0.3858% | 5,155 |
| Pretax return on assets | 0.6424% | 4,600 |
| Return on Equity (ROE) | 3.4909% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.4909% | 4,028 |
| Net charge-offs to loans | 0.8307% | 1,844 |
| Credit loss provision to net charge-offs | 112.9477% | 2,714 |
| Earnings coverage of net charge-offs (x) | 1.7631% | 3,985 |
| Efficiency ratio | 77.0579% | 2,854 |
| Assets per employee ($millions) | 3.4236% | 5,142 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0516% | 6,137 |
| Loan loss allowance to noncurrent loans | 192.2723% | 1,580 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 5,586 |
| Noncurrent loans to loans | 0.5469% | 5,821 |
| Net loans and leases to total assets | 79.0706% | 644 |
| Net loans and leases to deposits | 98.1338% | 588 |
| Net loans and leases to core deposits | 129.6210% | 280 |
| Total domestic deposits to total assets | 80.5744% | 5,659 |
| Equity capital to assets | 11.2860% | 2,696 |
| Core capital (leverage) ratio | 10.2152% | 3,017 |
| Tier 1 risk-based capital ratio | 12.8626% | 5,034 |
| Total risk-based capital ratio | 13.9617% | 5,139 |
| Memoranda: | ||
| Average total assets | $552,584,670 | 1,212 |
| Average earning assets | $528,139,000 | 1,153 |
| Average equity | $61,072,330 | 1,104 |
| Average total loans | $436,989,670 | 984 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8677% | 3,733 |
| Cost of funding earning assets | 0.9892% | 4,278 |
| Net interest margin | 3.8785% | 3,251 |
| Noninterest income to average assets | 1.7326% | 456 |
| Noninterest expense to average assets | 4.2286% | 797 |
| Loan and lease loss provision to assets | 0.6487% | 1,329 |
| Net operating income to assets | 0.3474% | 5,183 |
| Return on assets (ROA) | 0.3474% | 5,267 |
| Pretax return on assets | 0.5629% | 4,822 |
| Return on Equity (ROE) | 3.1764% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.1764% | 4,266 |
| Net charge-offs to loans | 0.7503% | 1,719 |
| Credit loss provision to net charge-offs | 109.8901% | 2,430 |
| Earnings coverage of net charge-offs (x) | 2.0525% | 3,273 |
| Efficiency ratio | 75.9274% | 3,174 |
| Assets per employee ($millions) | 3.6293% | 4,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0482% | 6,228 |
| Loan loss allowance to noncurrent loans | 408.1395% | 768 |
| Noncurrent assets plus other real estate owned to assets | 0.4499% | 6,089 |
| Noncurrent loans to loans | 0.2568% | 6,477 |
| Net loans and leases to total assets | 77.5751% | 788 |
| Net loans and leases to deposits | 96.7872% | 634 |
| Net loans and leases to core deposits | 128.7259% | 284 |
| Total domestic deposits to total assets | 80.1502% | 5,904 |
| Equity capital to assets | 10.9629% | 2,726 |
| Core capital (leverage) ratio | 9.9200% | 3,245 |
| Tier 1 risk-based capital ratio | 12.5511% | 5,220 |
| Total risk-based capital ratio | 13.6312% | 5,354 |
| Memoranda: | ||
| Average total assets | $554,989,000 | 1,216 |
| Average earning assets | $530,514,500 | 1,156 |
| Average equity | $60,697,500 | 1,102 |
| Average total loans | $436,618,000 | 998 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2737% | 3,247 |
| Cost of funding earning assets | 1.3014% | 3,871 |
| Net interest margin | 3.9723% | 3,135 |
| Noninterest income to average assets | 1.7664% | 482 |
| Noninterest expense to average assets | 4.2659% | 844 |
| Loan and lease loss provision to assets | 0.8469% | 1,933 |
| Net operating income to assets | 0.2616% | 5,067 |
| Return on assets (ROA) | 0.4548% | 4,460 |
| Pretax return on assets | 0.7327% | 3,858 |
| Return on Equity (ROE) | 4.2675% | 4,403 |
| Retained earnings to average equity (ytd only) | 4.2675% | 2,857 |
| Net charge-offs to loans | 0.6014% | 3,228 |
| Credit loss provision to net charge-offs | 170.7670% | 1,981 |
| Earnings coverage of net charge-offs (x) | 2.5763% | 3,820 |
| Efficiency ratio | 75.7614% | 3,083 |
| Assets per employee ($millions) | 3.6734% | 4,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0235% | 6,268 |
| Loan loss allowance to noncurrent loans | 143.9306% | 2,066 |
| Noncurrent assets plus other real estate owned to assets | 0.8158% | 5,367 |
| Noncurrent loans to loans | 0.7111% | 5,628 |
| Net loans and leases to total assets | 78.1383% | 926 |
| Net loans and leases to deposits | 100.4473% | 550 |
| Net loans and leases to core deposits | 134.6133% | 273 |
| Total domestic deposits to total assets | 77.7904% | 6,358 |
| Equity capital to assets | 10.9105% | 2,764 |
| Core capital (leverage) ratio | 9.8602% | 3,254 |
| Tier 1 risk-based capital ratio | 12.4611% | 5,057 |
| Total risk-based capital ratio | 13.5222% | 5,197 |
| Memoranda: | ||
| Average total assets | $557,356,400 | 1,206 |
| Average earning assets | $529,965,200 | 1,153 |
| Average equity | $59,402,800 | 1,120 |
| Average total loans | $459,577,000 | 982 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3046% | 3,335 |
| Cost of funding earning assets | 1.3633% | 3,815 |
| Net interest margin | 3.9413% | 3,356 |
| Noninterest income to average assets | 1.7380% | 477 |
| Noninterest expense to average assets | 4.1218% | 915 |
| Loan and lease loss provision to assets | 0.7885% | 1,934 |
| Net operating income to assets | 0.3395% | 5,008 |
| Return on assets (ROA) | 0.5352% | 4,332 |
| Pretax return on assets | 0.8762% | 3,639 |
| Return on Equity (ROE) | 5.0514% | 4,260 |
| Retained earnings to average equity (ytd only) | 5.0514% | 2,951 |
| Net charge-offs to loans | 0.4312% | 3,570 |
| Credit loss provision to net charge-offs | 219.4149% | 1,575 |
| Earnings coverage of net charge-offs (x) | 3.7813% | 3,300 |
| Efficiency ratio | 74.1695% | 3,298 |
| Assets per employee ($millions) | 3.8083% | 4,242 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 6,379 |
| Loan loss allowance to noncurrent loans | 127.0234% | 2,236 |
| Noncurrent assets plus other real estate owned to assets | 1.0393% | 5,028 |
| Noncurrent loans to loans | 0.7898% | 5,630 |
| Net loans and leases to total assets | 83.2736% | 382 |
| Net loans and leases to deposits | 107.0173% | 324 |
| Net loans and leases to core deposits | 151.1675% | 184 |
| Total domestic deposits to total assets | 77.8132% | 6,290 |
| Equity capital to assets | 10.7923% | 3,175 |
| Core capital (leverage) ratio | 9.8530% | 3,425 |
| Tier 1 risk-based capital ratio | 11.9111% | 5,544 |
| Total risk-based capital ratio | 12.9696% | 5,683 |
| Memoranda: | ||
| Average total assets | $558,023,500 | 1,210 |
| Average earning assets | $529,896,250 | 1,164 |
| Average equity | $59,123,750 | 1,129 |
| Average total loans | $464,994,750 | 977 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3024% | 3,461 |
| Cost of funding earning assets | 1.4161% | 3,775 |
| Net interest margin | 3.8863% | 3,509 |
| Noninterest income to average assets | 1.6971% | 454 |
| Noninterest expense to average assets | 4.1171% | 904 |
| Loan and lease loss provision to assets | 0.8073% | 1,791 |
| Net operating income to assets | 0.2784% | 5,267 |
| Return on assets (ROA) | 0.3211% | 5,268 |
| Pretax return on assets | 0.5299% | 4,811 |
| Return on Equity (ROE) | 3.0498% | 5,195 |
| Retained earnings to average equity (ytd only) | 3.0498% | 4,164 |
| Net charge-offs to loans | 0.4475% | 3,190 |
| Credit loss provision to net charge-offs | 217.1815% | 1,799 |
| Earnings coverage of net charge-offs (x) | 3.4180% | 3,333 |
| Efficiency ratio | 75.5661% | 3,150 |
| Assets per employee ($millions) | 3.7777% | 4,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8823% | 6,819 |
| Loan loss allowance to noncurrent loans | 95.8749% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 1.0903% | 4,953 |
| Noncurrent loans to loans | 0.9203% | 5,439 |
| Net loans and leases to total assets | 83.1248% | 423 |
| Net loans and leases to deposits | 107.6950% | 331 |
| Net loans and leases to core deposits | 136.3777% | 327 |
| Total domestic deposits to total assets | 77.1854% | 6,451 |
| Equity capital to assets | 10.6259% | 3,252 |
| Core capital (leverage) ratio | 9.6903% | 3,553 |
| Tier 1 risk-based capital ratio | 11.7637% | 5,532 |
| Total risk-based capital ratio | 12.6962% | 5,797 |
| Memoranda: | ||
| Average total assets | $557,426,330 | 1,219 |
| Average earning assets | $529,342,000 | 1,166 |
| Average equity | $58,692,670 | 1,130 |
| Average total loans | $463,025,670 | 989 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3426% | 3,333 |
| Cost of funding earning assets | 1.4696% | 3,741 |
| Net interest margin | 3.8730% | 3,441 |
| Noninterest income to average assets | 1.7025% | 440 |
| Noninterest expense to average assets | 4.0705% | 938 |
| Loan and lease loss provision to assets | 0.7546% | 1,683 |
| Net operating income to assets | 0.3270% | 5,181 |
| Return on assets (ROA) | 0.3629% | 5,135 |
| Pretax return on assets | 0.6058% | 4,581 |
| Return on Equity (ROE) | 3.4628% | 5,133 |
| Retained earnings to average equity (ytd only) | 3.4628% | 4,071 |
| Net charge-offs to loans | 0.6651% | 2,159 |
| Credit loss provision to net charge-offs | 137.2549% | 2,572 |
| Earnings coverage of net charge-offs (x) | 2.3725% | 3,354 |
| Efficiency ratio | 75.0769% | 3,390 |
| Assets per employee ($millions) | 4.0038% | 3,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6959% | 7,344 |
| Loan loss allowance to noncurrent loans | 95.5900% | 2,891 |
| Noncurrent assets plus other real estate owned to assets | 0.9036% | 5,351 |
| Noncurrent loans to loans | 0.7280% | 5,864 |
| Net loans and leases to total assets | 81.0872% | 703 |
| Net loans and leases to deposits | 103.4836% | 561 |
| Net loans and leases to core deposits | 106.0412% | 1,571 |
| Total domestic deposits to total assets | 78.3575% | 6,233 |
| Equity capital to assets | 10.3866% | 3,360 |
| Core capital (leverage) ratio | 9.4907% | 3,787 |
| Tier 1 risk-based capital ratio | 11.7783% | 5,419 |
| Total risk-based capital ratio | 12.5102% | 5,852 |
| Memoranda: | ||
| Average total assets | $556,591,000 | 1,248 |
| Average earning assets | $527,760,500 | 1,204 |
| Average equity | $58,334,500 | 1,143 |
| Average total loans | $460,096,000 | 1,027 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5190% | 4,043 |
| Cost of funding earning assets | 1.8312% | 3,826 |
| Net interest margin | 3.6877% | 4,193 |
| Noninterest income to average assets | 1.7111% | 492 |
| Noninterest expense to average assets | 4.0590% | 1,289 |
| Loan and lease loss provision to assets | 1.0513% | 2,184 |
| Net operating income to assets | 0.0865% | 5,250 |
| Return on assets (ROA) | 0.3366% | 4,476 |
| Pretax return on assets | 0.5138% | 4,146 |
| Return on Equity (ROE) | 3.2491% | 4,397 |
| Retained earnings to average equity (ytd only) | 3.2491% | 2,884 |
| Net charge-offs to loans | 0.9556% | 2,492 |
| Credit loss provision to net charge-offs | 131.9644% | 3,806 |
| Earnings coverage of net charge-offs (x) | 1.4889% | 4,637 |
| Efficiency ratio | 77.3019% | 3,308 |
| Assets per employee ($millions) | 3.7838% | 4,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6365% | 7,500 |
| Loan loss allowance to noncurrent loans | 120.3871% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 5,615 |
| Noncurrent loans to loans | 0.5287% | 6,198 |
| Net loans and leases to total assets | 83.1673% | 527 |
| Net loans and leases to deposits | 107.9245% | 464 |
| Net loans and leases to core deposits | 124.1703% | 1,626 |
| Total domestic deposits to total assets | 77.0607% | 6,463 |
| Equity capital to assets | 10.5775% | 3,096 |
| Core capital (leverage) ratio | 9.6789% | 3,488 |
| Tier 1 risk-based capital ratio | 11.6945% | 5,205 |
| Total risk-based capital ratio | 12.3628% | 5,766 |
| Memoranda: | ||
| Average total assets | $550,162,000 | 1,260 |
| Average earning assets | $527,237,400 | 1,204 |
| Average equity | $56,999,800 | 1,158 |
| Average total loans | $458,682,600 | 1,050 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4532% | 4,672 |
| Cost of funding earning assets | 1.8775% | 4,003 |
| Net interest margin | 3.5758% | 4,568 |
| Noninterest income to average assets | 1.6592% | 533 |
| Noninterest expense to average assets | 3.9514% | 1,349 |
| Loan and lease loss provision to assets | 0.9135% | 2,105 |
| Net operating income to assets | 0.1325% | 5,370 |
| Return on assets (ROA) | 0.2974% | 4,902 |
| Pretax return on assets | 0.4919% | 4,541 |
| Return on Equity (ROE) | 2.8855% | 4,841 |
| Retained earnings to average equity (ytd only) | 2.8855% | 3,712 |
| Net charge-offs to loans | 1.0162% | 1,938 |
| Credit loss provision to net charge-offs | 107.9256% | 4,706 |
| Earnings coverage of net charge-offs (x) | 1.3559% | 4,765 |
| Efficiency ratio | 77.4400% | 3,250 |
| Assets per employee ($millions) | 3.9438% | 3,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3852% | 7,838 |
| Loan loss allowance to noncurrent loans | 123.1348% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.5466% | 6,091 |
| Noncurrent loans to loans | 0.3129% | 6,732 |
| Net loans and leases to total assets | 83.0653% | 660 |
| Net loans and leases to deposits | 109.1105% | 492 |
| Net loans and leases to core deposits | 126.7884% | 1,679 |
| Total domestic deposits to total assets | 76.1295% | 6,560 |
| Equity capital to assets | 10.3889% | 3,632 |
| Core capital (leverage) ratio | 9.4966% | 3,912 |
| Tier 1 risk-based capital ratio | 11.2067% | 5,740 |
| Total risk-based capital ratio | 11.6002% | 6,564 |
| Memoranda: | ||
| Average total assets | $550,540,500 | 1,274 |
| Average earning assets | $529,628,250 | 1,210 |
| Average equity | $56,741,500 | 1,179 |
| Average total loans | $458,548,500 | 1,063 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4266% | 5,003 |
| Cost of funding earning assets | 1.9208% | 4,160 |
| Net interest margin | 3.5057% | 4,770 |
| Noninterest income to average assets | 1.6362% | 552 |
| Noninterest expense to average assets | 4.0433% | 1,256 |
| Loan and lease loss provision to assets | 1.0585% | 1,612 |
| Net operating income to assets | -0.0670% | 5,947 |
| Return on assets (ROA) | 0.1082% | 5,640 |
| Pretax return on assets | 0.1831% | 5,508 |
| Return on Equity (ROE) | 1.0522% | 5,620 |
| Retained earnings to average equity (ytd only) | 1.0522% | 4,738 |
| Net charge-offs to loans | 1.0989% | 1,651 |
| Credit loss provision to net charge-offs | 115.6949% | 4,001 |
| Earnings coverage of net charge-offs (x) | 1.0579% | 4,729 |
| Efficiency ratio | 80.6343% | 2,947 |
| Assets per employee ($millions) | 3.8817% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4926% | 7,799 |
| Loan loss allowance to noncurrent loans | 64.2468% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 0.6640% | 5,752 |
| Noncurrent loans to loans | 0.7668% | 5,700 |
| Net loans and leases to total assets | 82.6334% | 842 |
| Net loans and leases to deposits | 106.4696% | 742 |
| Net loans and leases to core deposits | 122.8496% | 2,125 |
| Total domestic deposits to total assets | 77.6122% | 6,173 |
| Equity capital to assets | 10.2824% | 3,631 |
| Core capital (leverage) ratio | 9.5261% | 3,849 |
| Tier 1 risk-based capital ratio | 11.0803% | 5,798 |
| Total risk-based capital ratio | 11.5737% | 6,507 |
| Memoranda: | ||
| Average total assets | $547,380,000 | 1,292 |
| Average earning assets | $526,963,330 | 1,234 |
| Average equity | $56,262,000 | 1,199 |
| Average total loans | $455,737,000 | 1,095 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4883% | 4,976 |
| Cost of funding earning assets | 1.9519% | 4,372 |
| Net interest margin | 3.5364% | 4,582 |
| Noninterest income to average assets | 1.5243% | 602 |
| Noninterest expense to average assets | 3.7836% | 1,499 |
| Loan and lease loss provision to assets | 0.5480% | 2,278 |
| Net operating income to assets | 0.3493% | 5,072 |
| Return on assets (ROA) | 0.5013% | 4,603 |
| Pretax return on assets | 0.8352% | 3,954 |
| Return on Equity (ROE) | 4.8778% | 4,521 |
| Retained earnings to average equity (ytd only) | 4.8778% | 3,202 |
| Net charge-offs to loans | 0.3857% | 2,558 |
| Credit loss provision to net charge-offs | 170.4545% | 2,515 |
| Earnings coverage of net charge-offs (x) | 3.5636% | 3,137 |
| Efficiency ratio | 76.6973% | 3,367 |
| Assets per employee ($millions) | 3.9711% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4768% | 7,853 |
| Loan loss allowance to noncurrent loans | 126.2295% | 2,490 |
| Noncurrent assets plus other real estate owned to assets | 0.4808% | 6,045 |
| Noncurrent loans to loans | 0.3778% | 6,471 |
| Net loans and leases to total assets | 81.5219% | 1,100 |
| Net loans and leases to deposits | 108.8146% | 680 |
| Net loans and leases to core deposits | 124.4192% | 2,050 |
| Total domestic deposits to total assets | 74.9182% | 6,726 |
| Equity capital to assets | 10.2754% | 3,676 |
| Core capital (leverage) ratio | 9.5561% | 3,916 |
| Tier 1 risk-based capital ratio | 11.2245% | 5,677 |
| Total risk-based capital ratio | 11.7003% | 6,358 |
| Memoranda: | ||
| Average total assets | $547,412,000 | 1,298 |
| Average earning assets | $527,085,500 | 1,231 |
| Average equity | $56,254,500 | 1,204 |
| Average total loans | $456,353,000 | 1,100 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9914% | 5,586 |
| Cost of funding earning assets | 2.5288% | 4,054 |
| Net interest margin | 3.4626% | 5,427 |
| Noninterest income to average assets | 1.6329% | 522 |
| Noninterest expense to average assets | 3.9454% | 1,492 |
| Loan and lease loss provision to assets | 0.5570% | 2,588 |
| Net operating income to assets | 0.2996% | 5,541 |
| Return on assets (ROA) | 0.4382% | 4,819 |
| Pretax return on assets | 0.6819% | 4,452 |
| Return on Equity (ROE) | 4.1165% | 4,775 |
| Retained earnings to average equity (ytd only) | 4.1165% | 2,568 |
| Net charge-offs to loans | 0.6608% | 1,877 |
| Credit loss provision to net charge-offs | 103.7050% | 5,158 |
| Earnings coverage of net charge-offs (x) | 1.9034% | 5,115 |
| Efficiency ratio | 79.3740% | 2,688 |
| Assets per employee ($millions) | 4.0816% | 3,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4008% | 7,973 |
| Loan loss allowance to noncurrent loans | 103.5915% | 3,355 |
| Noncurrent assets plus other real estate owned to assets | 0.5024% | 5,684 |
| Noncurrent loans to loans | 0.3869% | 6,183 |
| Net loans and leases to total assets | 84.5030% | 809 |
| Net loans and leases to deposits | 115.6709% | 538 |
| Net loans and leases to core deposits | 130.2218% | 1,835 |
| Total domestic deposits to total assets | 73.0547% | 6,818 |
| Equity capital to assets | 10.2775% | 3,734 |
| Core capital (leverage) ratio | 9.6063% | 3,868 |
| Tier 1 risk-based capital ratio | 10.9067% | 5,807 |
| Total risk-based capital ratio | 11.3069% | 6,554 |
| Memoranda: | ||
| Average total assets | $512,570,000 | 1,317 |
| Average earning assets | $493,640,400 | 1,251 |
| Average equity | $54,561,400 | 1,233 |
| Average total loans | $416,587,000 | 1,151 |