Home > WSB Municipal Bank > Performance and Condition Ratios
WSB Municipal Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0518% | 4,585 |
| Cost of funding earning assets | 0.2276% | 4,432 |
| Net interest margin | 0.8241% | 4,549 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 0.0655% | 4,546 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.6011% | 3,440 |
| Return on assets (ROA) | 0.6011% | 3,428 |
| Pretax return on assets | 0.7465% | 3,346 |
| Return on Equity (ROE) | 10.2300% | 2,428 |
| Retained earnings to average equity (ytd only) | 10.2288% | 957 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 8.0620% | 4,553 |
| Assets per employee ($millions) | NA | NA |
| 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 | 65.2900% | 4,388 |
| Equity capital to assets | 8.3218% | 3,177 |
| Core capital (leverage) ratio | 11.2867% | 1,768 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $158,879,000 | 3,281 |
| Average earning assets | $156,403,800 | 3,195 |
| Average equity | $9,336,400 | 3,785 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9748% | 4,607 |
| Cost of funding earning assets | 0.2101% | 4,438 |
| Net interest margin | 0.7647% | 4,566 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 0.0637% | 4,575 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.5414% | 3,676 |
| Return on assets (ROA) | 0.5414% | 3,662 |
| Pretax return on assets | 0.6886% | 3,575 |
| Return on Equity (ROE) | 10.2000% | 2,583 |
| Retained earnings to average equity (ytd only) | 10.1951% | 1,346 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 8.4615% | 4,579 |
| Assets per employee ($millions) | NA | NA |
| 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 | 71.0300% | 4,291 |
| Equity capital to assets | 6.1555% | 3,931 |
| Core capital (leverage) ratio | 10.7540% | 2,177 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $161,293,000 | 3,276 |
| Average earning assets | $158,668,000 | 3,189 |
| Average equity | $8,566,000 | 3,871 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9258% | 4,639 |
| Cost of funding earning assets | 0.1670% | 4,460 |
| Net interest margin | 0.7588% | 4,605 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 0.0564% | 4,603 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.5417% | 3,722 |
| Return on assets (ROA) | 0.5417% | 3,730 |
| Pretax return on assets | 0.6900% | 3,622 |
| Return on Equity (ROE) | 10.7400% | 2,493 |
| Retained earnings to average equity (ytd only) | 10.7425% | 1,235 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 7.5534% | 4,605 |
| Assets per employee ($millions) | NA | NA |
| 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 | 68.3300% | 4,401 |
| Equity capital to assets | 5.5541% | 4,282 |
| Core capital (leverage) ratio | 10.6223% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $163,195,667 | 3,260 |
| Average earning assets | $160,513,333 | 3,189 |
| Average equity | $8,229,000 | 3,930 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8461% | 4,669 |
| Cost of funding earning assets | 0.0705% | 4,563 |
| Net interest margin | 0.7756% | 4,660 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 0.0550% | 4,674 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.5573% | 3,782 |
| Return on assets (ROA) | 0.5573% | 3,746 |
| Pretax return on assets | 0.7080% | 3,644 |
| Return on Equity (ROE) | 11.6000% | 2,323 |
| Retained earnings to average equity (ytd only) | 11.5985% | 1,341 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 7.2100% | 4,669 |
| Assets per employee ($millions) | NA | NA |
| 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 | 74.8800% | 4,231 |
| Equity capital to assets | 5.4578% | 4,347 |
| Core capital (leverage) ratio | 10.1139% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $167,228,500 | 3,280 |
| Average earning assets | $164,526,500 | 3,200 |
| Average equity | $8,035,500 | 3,996 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1773% | 4,677 |
| Cost of funding earning assets | 0.0518% | 4,573 |
| Net interest margin | 1.1254% | 4,666 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 0.0399% | 4,706 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8626% | 3,108 |
| Return on assets (ROA) | 0.8626% | 3,035 |
| Pretax return on assets | 1.0716% | 2,857 |
| Return on Equity (ROE) | 14.9700% | 1,261 |
| Retained earnings to average equity (ytd only) | 14.9659% | 294 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 3.5886% | 4,707 |
| Assets per employee ($millions) | NA | NA |
| 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 | 57.9700% | 4,585 |
| Equity capital to assets | 4.1544% | 4,502 |
| Core capital (leverage) ratio | 10.0037% | 2,633 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $167,978,800 | 3,284 |
| Average earning assets | $165,895,000 | 3,195 |
| Average equity | $9,682,000 | 3,908 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2961% | 4,679 |
| Cost of funding earning assets | 0.0561% | 4,549 |
| Net interest margin | 1.2400% | 4,674 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 0.0476% | 4,745 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9304% | 2,759 |
| Return on assets (ROA) | 0.9304% | 2,726 |
| Pretax return on assets | 1.1786% | 2,455 |
| Return on Equity (ROE) | 15.0900% | 1,154 |
| Retained earnings to average equity (ytd only) | 15.0918% | 360 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 3.8810% | 4,745 |
| Assets per employee ($millions) | NA | NA |
| 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 | 75.5600% | 4,386 |
| Equity capital to assets | 3.7217% | 4,509 |
| Core capital (leverage) ratio | 9.8093% | 2,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $168,102,500 | 3,307 |
| Average earning assets | $166,233,250 | 3,214 |
| Average equity | $10,363,000 | 3,877 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4010% | 4,719 |
| Cost of funding earning assets | 0.0617% | 4,517 |
| Net interest margin | 1.3393% | 4,702 |
| Noninterest income to average assets | 0.0000% | 4,732 |
| Noninterest expense to average assets | 0.0576% | 4,769 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 1.0149% | 2,100 |
| Return on assets (ROA) | 1.0149% | 2,070 |
| Pretax return on assets | 1.2702% | 1,842 |
| Return on Equity (ROE) | 14.6213% | 972 |
| Retained earnings to average equity (ytd only) | 14.6213% | 298 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4.3401% | 4,768 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 72.4447% | 4,574 |
| Equity capital to assets | 5.4726% | 4,371 |
| Core capital (leverage) ratio | 9.6425% | 2,777 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $170,058,000 | 3,336 |
| Average earning assets | $168,599,333 | 3,231 |
| Average equity | $11,804,667 | 3,801 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6551% | 4,774 |
| Cost of funding earning assets | 0.0629% | 4,504 |
| Net interest margin | 0.5921% | 4,776 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 0.0788% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.4194% | 3,915 |
| Return on assets (ROA) | 0.4194% | 3,879 |
| Pretax return on assets | 0.5098% | 3,855 |
| Return on Equity (ROE) | 5.4871% | 3,488 |
| Retained earnings to average equity (ytd only) | 5.4871% | 2,415 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.3858% | 4,789 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 93.5718% | 159 |
| Equity capital to assets | 6.3977% | 4,467 |
| Core capital (leverage) ratio | 9.3405% | 2,962 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $172,631,000 | 3,323 |
| Average earning assets | $171,585,500 | 3,217 |
| Average equity | $13,194,500 | 3,741 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6058% | 4,806 |
| Cost of funding earning assets | 0.0732% | 4,567 |
| Net interest margin | 0.5326% | 4,807 |
| Noninterest income to average assets | 0.0006% | 4,808 |
| Noninterest expense to average assets | 0.0597% | 4,833 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3378% | 4,371 |
| Return on assets (ROA) | 0.3378% | 4,391 |
| Pretax return on assets | 0.4645% | 4,303 |
| Return on Equity (ROE) | 3.4243% | 4,304 |
| Retained earnings to average equity (ytd only) | 3.4243% | 3,443 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.3850% | 4,830 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 78.6427% | 4,342 |
| Equity capital to assets | 8.8594% | 3,753 |
| Core capital (leverage) ratio | 9.3436% | 3,025 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $162,542,400 | 3,374 |
| Average earning assets | $159,779,400 | 3,282 |
| Average equity | $16,032,600 | 3,539 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6096% | 4,890 |
| Cost of funding earning assets | 0.0803% | 4,631 |
| Net interest margin | 0.5293% | 4,891 |
| Noninterest income to average assets | 0.0000% | 4,883 |
| Noninterest expense to average assets | 0.0552% | 4,911 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3770% | 4,409 |
| Return on assets (ROA) | 0.3770% | 4,441 |
| Pretax return on assets | 0.4631% | 4,416 |
| Return on Equity (ROE) | 3.7138% | 4,347 |
| Retained earnings to average equity (ytd only) | 3.7138% | 3,673 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.6452% | 4,909 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 84.6293% | 3,256 |
| Equity capital to assets | 9.5837% | 3,303 |
| Core capital (leverage) ratio | 9.7544% | 2,762 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $159,506,750 | 3,437 |
| Average earning assets | $156,165,000 | 3,348 |
| Average equity | $16,191,250 | 3,572 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6153% | 4,929 |
| Cost of funding earning assets | 0.0807% | 4,697 |
| Net interest margin | 0.5345% | 4,929 |
| Noninterest income to average assets | 0.0000% | 4,919 |
| Noninterest expense to average assets | 0.0514% | 4,949 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.3819% | 4,424 |
| Return on assets (ROA) | 0.3819% | 4,460 |
| Pretax return on assets | 0.4681% | 4,432 |
| Return on Equity (ROE) | 3.6868% | 4,378 |
| Retained earnings to average equity (ytd only) | 3.6868% | 3,622 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.9010% | 4,947 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 88.0544% | 1,789 |
| Equity capital to assets | 9.8577% | 2,997 |
| Core capital (leverage) ratio | 9.9088% | 2,483 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $155,530,000 | 3,473 |
| Average earning assets | $151,157,333 | 3,401 |
| Average equity | $16,111,667 | 3,584 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5974% | 4,959 |
| Cost of funding earning assets | 0.0747% | 4,779 |
| Net interest margin | 0.5227% | 4,956 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 0.0556% | 4,974 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.3654% | 4,423 |
| Return on assets (ROA) | 0.3654% | 4,454 |
| Pretax return on assets | 0.4448% | 4,429 |
| Return on Equity (ROE) | 3.4364% | 4,393 |
| Retained earnings to average equity (ytd only) | 3.4364% | 3,654 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.1111% | 4,969 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 90.6777% | 516 |
| Equity capital to assets | 9.3194% | 3,370 |
| Core capital (leverage) ratio | 11.8005% | 1,247 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $151,085,000 | 3,515 |
| Average earning assets | $144,626,000 | 3,466 |
| Average equity | $16,063,500 | 3,598 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2187% | 4,961 |
| Cost of funding earning assets | 0.1251% | 4,801 |
| Net interest margin | 1.0935% | 4,953 |
| Noninterest income to average assets | 0.0000% | 4,957 |
| Noninterest expense to average assets | 0.0422% | 4,996 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9183% | 2,618 |
| Return on assets (ROA) | 0.9183% | 2,750 |
| Pretax return on assets | 1.0381% | 2,920 |
| Return on Equity (ROE) | 7.7107% | 2,925 |
| Retained earnings to average equity (ytd only) | 7.7107% | 1,142 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.9090% | 4,997 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 77.1642% | 4,397 |
| Equity capital to assets | 12.3157% | 1,412 |
| Core capital (leverage) ratio | 11.2059% | 1,662 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $130,240,400 | 3,621 |
| Average earning assets | $128,665,000 | 3,524 |
| Average equity | $15,511,000 | 3,609 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3572% | 5,001 |
| Cost of funding earning assets | 0.1356% | 4,842 |
| Net interest margin | 1.2216% | 4,988 |
| Noninterest income to average assets | 0.0000% | 4,986 |
| Noninterest expense to average assets | 0.0401% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9385% | 2,570 |
| Return on assets (ROA) | 0.9385% | 2,696 |
| Pretax return on assets | 1.1636% | 2,509 |
| Return on Equity (ROE) | 7.9496% | 2,825 |
| Retained earnings to average equity (ytd only) | 7.9496% | 1,323 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.3305% | 5,030 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 88.4455% | 992 |
| Equity capital to assets | 11.1404% | 2,289 |
| Core capital (leverage) ratio | 11.2774% | 1,717 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $129,704,500 | 3,615 |
| Average earning assets | $127,809,750 | 3,517 |
| Average equity | $15,312,750 | 3,625 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5928% | 5,036 |
| Cost of funding earning assets | 0.1433% | 4,896 |
| Net interest margin | 1.4495% | 5,013 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 0.0383% | 5,063 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1133% | 1,920 |
| Return on assets (ROA) | 1.1133% | 2,041 |
| Pretax return on assets | 1.3833% | 1,764 |
| Return on Equity (ROE) | 9.2320% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.2320% | 949 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2.6966% | 5,062 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 82.1271% | 3,332 |
| Equity capital to assets | 11.3577% | 2,074 |
| Core capital (leverage) ratio | 11.3969% | 1,715 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $125,209,000 | 3,661 |
| Average earning assets | $122,802,667 | 3,567 |
| Average equity | $15,099,667 | 3,647 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7776% | 5,091 |
| Cost of funding earning assets | 0.1282% | 5,003 |
| Net interest margin | 1.6494% | 5,063 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 0.0337% | 5,114 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2587% | 1,354 |
| Return on assets (ROA) | 1.2587% | 1,456 |
| Pretax return on assets | 1.5683% | 1,134 |
| Return on Equity (ROE) | 10.0965% | 1,715 |
| Retained earnings to average equity (ytd only) | 10.0965% | 732 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2.1008% | 5,108 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 88.1954% | 1,022 |
| Equity capital to assets | 11.6077% | 2,355 |
| Core capital (leverage) ratio | 13.0097% | 1,199 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 56.1491% | 71 |
| Memoranda: | ||
| Average total assets | $118,851,500 | 3,718 |
| Average earning assets | $115,436,500 | 3,628 |
| Average equity | $14,817,000 | 3,682 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8599% | 5,147 |
| Cost of funding earning assets | 0.1307% | 5,067 |
| Net interest margin | 1.7292% | 5,121 |
| Noninterest income to average assets | 0.0009% | 5,127 |
| Noninterest expense to average assets | 0.0464% | 5,175 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.3207% | 1,613 |
| Return on assets (ROA) | 1.3207% | 1,694 |
| Pretax return on assets | 1.6313% | 1,397 |
| Return on Equity (ROE) | 10.9996% | 1,890 |
| Retained earnings to average equity (ytd only) | 10.9996% | 332 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 2.7660% | 5,175 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 77.0899% | 4,481 |
| Equity capital to assets | 13.5222% | 1,268 |
| Core capital (leverage) ratio | 14.1162% | 899 |
| Tier 1 risk-based capital ratio | 69.1818% | 70 |
| Total risk-based capital ratio | 69.1818% | 72 |
| Memoranda: | ||
| Average total assets | $112,059,000 | 3,803 |
| Average earning assets | $108,660,200 | 3,736 |
| Average equity | $13,455,000 | 3,827 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8820% | 5,232 |
| Cost of funding earning assets | 0.1294% | 5,146 |
| Net interest margin | 1.7526% | 5,204 |
| Noninterest income to average assets | 0.0000% | 5,208 |
| Noninterest expense to average assets | 0.0517% | 5,254 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.2968% | 1,873 |
| Return on assets (ROA) | 1.2968% | 1,958 |
| Pretax return on assets | 1.6365% | 1,507 |
| Return on Equity (ROE) | 11.1304% | 1,965 |
| Retained earnings to average equity (ytd only) | 11.1304% | 497 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.0641% | 5,254 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 87.0511% | 1,486 |
| Equity capital to assets | 12.9159% | 1,677 |
| Core capital (leverage) ratio | 12.9043% | 1,380 |
| Tier 1 risk-based capital ratio | 74.4485% | 65 |
| Total risk-based capital ratio | 74.4485% | 67 |
| Memoranda: | ||
| Average total assets | $113,406,500 | 3,829 |
| Average earning assets | $109,241,500 | 3,761 |
| Average equity | $13,212,750 | 3,904 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8298% | 5,286 |
| Cost of funding earning assets | 0.1089% | 5,213 |
| Net interest margin | 1.7209% | 5,267 |
| Noninterest income to average assets | 0.0000% | 5,250 |
| Noninterest expense to average assets | 0.0593% | 5,299 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.2844% | 1,836 |
| Return on assets (ROA) | 1.2844% | 1,892 |
| Pretax return on assets | 1.6207% | 1,483 |
| Return on Equity (ROE) | 11.4175% | 1,821 |
| Retained earnings to average equity (ytd only) | 11.4175% | 495 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.5270% | 5,300 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 84.2357% | 2,771 |
| Equity capital to assets | 11.9994% | 2,185 |
| Core capital (leverage) ratio | 12.0699% | 1,783 |
| Tier 1 risk-based capital ratio | 69.2528% | 70 |
| Total risk-based capital ratio | 69.2528% | 71 |
| Memoranda: | ||
| Average total assets | $114,765,330 | 3,833 |
| Average earning assets | $112,033,000 | 3,737 |
| Average equity | $12,910,000 | 3,947 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8267% | 5,354 |
| Cost of funding earning assets | 0.0971% | 5,287 |
| Net interest margin | 1.7296% | 5,336 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 0.0591% | 5,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2928% | 1,721 |
| Return on assets (ROA) | 1.2928% | 1,761 |
| Pretax return on assets | 1.6126% | 1,436 |
| Return on Equity (ROE) | 11.8859% | 1,577 |
| Retained earnings to average equity (ytd only) | 11.8859% | 628 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3.5343% | 5,358 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | 0.0000% | 5,323 |
| Total domestic deposits to total assets | 89.1611% | 786 |
| Equity capital to assets | 10.8130% | 3,034 |
| Core capital (leverage) ratio | 12.0081% | 1,765 |
| Tier 1 risk-based capital ratio | 64.9360% | 77 |
| Total risk-based capital ratio | 64.9360% | 77 |
| Memoranda: | ||
| Average total assets | $115,095,000 | 3,873 |
| Average earning assets | $111,236,500 | 3,797 |
| Average equity | $12,519,000 | 4,002 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7136% | 5,383 |
| Cost of funding earning assets | 0.1213% | 5,239 |
| Net interest margin | 1.5923% | 5,368 |
| Noninterest income to average assets | 0.0008% | 5,347 |
| Noninterest expense to average assets | 0.0643% | 5,403 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1114% | 2,548 |
| Return on assets (ROA) | 1.1114% | 2,553 |
| Pretax return on assets | 1.4919% | 1,805 |
| Return on Equity (ROE) | 12.1124% | 1,678 |
| Retained earnings to average equity (ytd only) | 12.1124% | 313 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4.1287% | 5,400 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 81.5876% | 3,765 |
| Equity capital to assets | 10.9466% | 2,735 |
| Core capital (leverage) ratio | 11.2632% | 2,295 |
| Tier 1 risk-based capital ratio | 58.9740% | 92 |
| Total risk-based capital ratio | 58.9740% | 92 |
| Memoranda: | ||
| Average total assets | $119,844,200 | 3,787 |
| Average earning assets | $117,063,800 | 3,696 |
| Average equity | $10,997,000 | 4,156 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6629% | 5,463 |
| Cost of funding earning assets | 0.1211% | 5,303 |
| Net interest margin | 1.5418% | 5,446 |
| Noninterest income to average assets | 0.0011% | 5,425 |
| Noninterest expense to average assets | 0.0753% | 5,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.9625% | 3,253 |
| Return on assets (ROA) | 0.9625% | 3,263 |
| Pretax return on assets | 1.4262% | 2,132 |
| Return on Equity (ROE) | 10.9673% | 2,189 |
| Retained earnings to average equity (ytd only) | 10.9673% | 655 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.0145% | 5,473 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 86.9501% | 1,753 |
| Equity capital to assets | 9.4440% | 4,138 |
| Core capital (leverage) ratio | 10.5644% | 3,008 |
| Tier 1 risk-based capital ratio | 53.9053% | 113 |
| Total risk-based capital ratio | 53.9053% | 119 |
| Memoranda: | ||
| Average total assets | $122,182,500 | 3,794 |
| Average earning assets | $118,905,750 | 3,702 |
| Average equity | $10,722,500 | 4,239 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6252% | 5,522 |
| Cost of funding earning assets | 0.1310% | 5,316 |
| Net interest margin | 1.4942% | 5,514 |
| Noninterest income to average assets | 0.0016% | 5,485 |
| Noninterest expense to average assets | 0.0786% | 5,539 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.1074% | 2,552 |
| Return on assets (ROA) | 1.1074% | 2,559 |
| Pretax return on assets | 1.3690% | 2,257 |
| Return on Equity (ROE) | 12.9205% | 1,399 |
| Retained earnings to average equity (ytd only) | 12.9205% | 392 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.4324% | 5,537 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 79.0747% | 4,414 |
| Equity capital to assets | 8.8991% | 4,641 |
| Core capital (leverage) ratio | 10.0305% | 3,545 |
| Tier 1 risk-based capital ratio | 51.1169% | 124 |
| Total risk-based capital ratio | 51.1169% | 134 |
| Memoranda: | ||
| Average total assets | $124,621,000 | 3,783 |
| Average earning assets | $120,598,000 | 3,698 |
| Average equity | $10,680,670 | 4,278 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5943% | 5,589 |
| Cost of funding earning assets | 0.1158% | 5,406 |
| Net interest margin | 1.4786% | 5,582 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 0.0949% | 5,604 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1101% | 2,381 |
| Return on assets (ROA) | 1.1101% | 2,395 |
| Pretax return on assets | 1.3188% | 2,291 |
| Return on Equity (ROE) | 13.1942% | 1,211 |
| Retained earnings to average equity (ytd only) | 13.1942% | 496 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6.7114% | 5,603 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | 0.0000% | 5,567 |
| Total domestic deposits to total assets | 91.6621% | 158 |
| Equity capital to assets | 8.2669% | 5,125 |
| Core capital (leverage) ratio | 9.7264% | 3,823 |
| Tier 1 risk-based capital ratio | 49.5328% | 133 |
| Total risk-based capital ratio | 49.5328% | 143 |
| Memoranda: | ||
| Average total assets | $126,476,000 | 3,784 |
| Average earning assets | $120,928,000 | 3,735 |
| Average equity | $10,641,000 | 4,328 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4503% | 5,634 |
| Cost of funding earning assets | 0.1258% | 5,383 |
| Net interest margin | 1.3245% | 5,629 |
| Noninterest income to average assets | 0.0008% | 5,614 |
| Noninterest expense to average assets | 0.0574% | 5,667 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.8679% | 2,876 |
| Return on assets (ROA) | 0.8679% | 2,898 |
| Pretax return on assets | 1.2364% | 2,605 |
| Return on Equity (ROE) | 10.4077% | 1,719 |
| Retained earnings to average equity (ytd only) | 10.4077% | 298 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4.4390% | 5,662 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 82.0134% | 3,868 |
| Equity capital to assets | 8.6853% | 4,965 |
| Core capital (leverage) ratio | 9.1268% | 4,491 |
| Tier 1 risk-based capital ratio | 55.4868% | 97 |
| Total risk-based capital ratio | 55.4868% | 100 |
| Memoranda: | ||
| Average total assets | $125,360,200 | 3,813 |
| Average earning assets | $122,385,600 | 3,705 |
| Average equity | $10,453,800 | 4,384 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3709% | 5,708 |
| Cost of funding earning assets | 0.1268% | 5,443 |
| Net interest margin | 1.2441% | 5,704 |
| Noninterest income to average assets | 0.0011% | 5,682 |
| Noninterest expense to average assets | 0.0574% | 5,734 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7748% | 3,626 |
| Return on assets (ROA) | 0.7748% | 3,675 |
| Pretax return on assets | 1.1532% | 3,102 |
| Return on Equity (ROE) | 9.3884% | 2,406 |
| Retained earnings to average equity (ytd only) | 9.3884% | 738 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4.7410% | 5,733 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 91.8048% | 73 |
| Equity capital to assets | 8.1139% | 5,476 |
| Core capital (leverage) ratio | 8.5423% | 5,217 |
| Tier 1 risk-based capital ratio | 55.0020% | 103 |
| Total risk-based capital ratio | 55.0020% | 104 |
| Memoranda: | ||
| Average total assets | $125,449,250 | 3,856 |
| Average earning assets | $121,959,250 | 3,753 |
| Average equity | $10,353,000 | 4,441 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3194% | 5,760 |
| Cost of funding earning assets | 0.1272% | 5,466 |
| Net interest margin | 1.1921% | 5,760 |
| Noninterest income to average assets | 0.0016% | 5,729 |
| Noninterest expense to average assets | 0.0569% | 5,785 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7661% | 3,563 |
| Return on assets (ROA) | 0.7661% | 3,609 |
| Pretax return on assets | 1.1028% | 3,162 |
| Return on Equity (ROE) | 9.2272% | 2,400 |
| Retained earnings to average equity (ytd only) | 9.2272% | 780 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 4.9088% | 5,782 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 86.0793% | 2,347 |
| Equity capital to assets | 8.6946% | 5,146 |
| Core capital (leverage) ratio | 7.8438% | 5,578 |
| Tier 1 risk-based capital ratio | 51.8112% | 108 |
| Total risk-based capital ratio | 51.8112% | 112 |
| Memoranda: | ||
| Average total assets | $122,959,000 | 3,912 |
| Average earning assets | $119,450,330 | 3,817 |
| Average equity | $10,209,000 | 4,481 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2561% | 5,831 |
| Cost of funding earning assets | 0.1212% | 5,551 |
| Net interest margin | 1.1349% | 5,828 |
| Noninterest income to average assets | 0.0000% | 5,808 |
| Noninterest expense to average assets | 0.0614% | 5,852 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7112% | 3,656 |
| Return on assets (ROA) | 0.7112% | 3,697 |
| Pretax return on assets | 1.0280% | 3,245 |
| Return on Equity (ROE) | 8.7689% | 2,528 |
| Retained earnings to average equity (ytd only) | 8.7689% | 1,156 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 5.6380% | 5,850 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 92.3484% | 76 |
| Equity capital to assets | 7.6083% | 5,655 |
| Core capital (leverage) ratio | 8.7687% | 4,986 |
| Tier 1 risk-based capital ratio | 56.3592% | 96 |
| Total risk-based capital ratio | 56.3592% | 100 |
| Memoranda: | ||
| Average total assets | $123,734,000 | 3,934 |
| Average earning assets | $118,780,000 | 3,853 |
| Average equity | $10,035,500 | 4,537 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2050% | 5,877 |
| Cost of funding earning assets | 0.1259% | 5,582 |
| Net interest margin | 1.0791% | 5,875 |
| Noninterest income to average assets | 0.0010% | 5,851 |
| Noninterest expense to average assets | 0.0962% | 5,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.6946% | 3,806 |
| Return on assets (ROA) | 0.6946% | 3,915 |
| Pretax return on assets | 0.9765% | 3,554 |
| Return on Equity (ROE) | 7.2458% | 3,337 |
| Retained earnings to average equity (ytd only) | 7.2458% | 1,135 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.9686% | 5,908 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 89.4753% | 872 |
| Equity capital to assets | 8.7047% | 5,100 |
| Core capital (leverage) ratio | 10.0273% | 3,454 |
| Tier 1 risk-based capital ratio | 57.4922% | 97 |
| Total risk-based capital ratio | 57.4922% | 103 |
| Memoranda: | ||
| Average total assets | $103,947,000 | 4,288 |
| Average earning assets | $103,234,800 | 4,131 |
| Average equity | $9,964,400 | 4,588 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2464% | 5,945 |
| Cost of funding earning assets | 0.1269% | 5,642 |
| Net interest margin | 1.1195% | 5,942 |
| Noninterest income to average assets | 0.0013% | 5,921 |
| Noninterest expense to average assets | 0.1063% | 5,977 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.6864% | 3,927 |
| Return on assets (ROA) | 0.6864% | 4,058 |
| Pretax return on assets | 1.0066% | 3,607 |
| Return on Equity (ROE) | 6.9811% | 3,567 |
| Retained earnings to average equity (ytd only) | 6.9811% | 1,637 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.5519% | 5,976 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 89.1903% | 805 |
| Equity capital to assets | 10.0373% | 4,096 |
| Core capital (leverage) ratio | 10.3422% | 3,170 |
| Tier 1 risk-based capital ratio | 67.8383% | 67 |
| Total risk-based capital ratio | 67.8383% | 69 |
| Memoranda: | ||
| Average total assets | $101,595,750 | 4,362 |
| Average earning assets | $100,875,750 | 4,219 |
| Average equity | $9,988,750 | 4,622 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2610% | 6,026 |
| Cost of funding earning assets | 0.1273% | 5,713 |
| Net interest margin | 1.1337% | 6,023 |
| Noninterest income to average assets | 0.0020% | 5,997 |
| Noninterest expense to average assets | 0.0966% | 6,054 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6903% | 3,843 |
| Return on assets (ROA) | 0.6903% | 3,992 |
| Pretax return on assets | 1.0295% | 3,483 |
| Return on Equity (ROE) | 7.0702% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.0702% | 1,567 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.5814% | 6,054 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 83.8435% | 3,334 |
| Equity capital to assets | 9.6692% | 4,591 |
| Core capital (leverage) ratio | 9.8863% | 3,701 |
| Tier 1 risk-based capital ratio | 71.7936% | 66 |
| Total risk-based capital ratio | 71.7936% | 66 |
| Memoranda: | ||
| Average total assets | $101,411,330 | 4,400 |
| Average earning assets | $100,552,330 | 4,255 |
| Average equity | $9,900,670 | 4,668 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2719% | 6,091 |
| Cost of funding earning assets | 0.1260% | 5,783 |
| Net interest margin | 1.1460% | 6,089 |
| Noninterest income to average assets | 0.0040% | 6,060 |
| Noninterest expense to average assets | 0.1004% | 6,117 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6747% | 3,850 |
| Return on assets (ROA) | 0.6747% | 3,969 |
| Pretax return on assets | 1.0361% | 3,334 |
| Return on Equity (ROE) | 6.8761% | 3,526 |
| Retained earnings to average equity (ytd only) | 6.8761% | 1,951 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 8.8339% | 6,115 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 90.4890% | 435 |
| Equity capital to assets | 9.4558% | 4,711 |
| Core capital (leverage) ratio | 9.9291% | 3,628 |
| Tier 1 risk-based capital ratio | 46.1185% | 162 |
| Total risk-based capital ratio | 46.1185% | 174 |
| Memoranda: | ||
| Average total assets | $99,599,500 | 4,474 |
| Average earning assets | $98,432,500 | 4,331 |
| Average equity | $9,773,000 | 4,712 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2438% | 6,137 |
| Cost of funding earning assets | 0.1286% | 5,827 |
| Net interest margin | 1.1153% | 6,135 |
| Noninterest income to average assets | 0.0011% | 6,103 |
| Noninterest expense to average assets | 0.1017% | 6,178 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.6781% | 3,913 |
| Return on assets (ROA) | 0.6781% | 4,011 |
| Pretax return on assets | 0.9971% | 3,487 |
| Return on Equity (ROE) | 7.0045% | 3,517 |
| Retained earnings to average equity (ytd only) | 7.0045% | 1,280 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.2520% | 6,175 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 84.9832% | 3,097 |
| Equity capital to assets | 10.2111% | 3,734 |
| Core capital (leverage) ratio | 10.2026% | 3,260 |
| Tier 1 risk-based capital ratio | 46.2311% | 153 |
| Total risk-based capital ratio | 46.2311% | 166 |
| Memoranda: | ||
| Average total assets | $92,467,000 | 4,620 |
| Average earning assets | $91,008,800 | 4,484 |
| Average equity | $8,951,400 | 4,863 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2176% | 6,235 |
| Cost of funding earning assets | 0.1269% | 5,938 |
| Net interest margin | 1.0907% | 6,230 |
| Noninterest income to average assets | 0.0000% | 6,192 |
| Noninterest expense to average assets | 0.1043% | 6,266 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.6241% | 4,266 |
| Return on assets (ROA) | 0.6241% | 4,376 |
| Pretax return on assets | 0.9658% | 3,759 |
| Return on Equity (ROE) | 6.5381% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.5381% | 1,935 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.7429% | 6,262 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 90.1448% | 514 |
| Equity capital to assets | 9.7378% | 4,470 |
| Core capital (leverage) ratio | 10.6054% | 2,920 |
| Tier 1 risk-based capital ratio | 51.4851% | 126 |
| Total risk-based capital ratio | 51.4851% | 133 |
| Memoranda: | ||
| Average total assets | $92,080,000 | 4,678 |
| Average earning assets | $90,340,250 | 4,548 |
| Average equity | $8,789,250 | 4,956 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1948% | 6,311 |
| Cost of funding earning assets | 0.1283% | 5,994 |
| Net interest margin | 1.0665% | 6,308 |
| Noninterest income to average assets | 0.0000% | 6,260 |
| Noninterest expense to average assets | 0.1091% | 6,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6101% | 4,291 |
| Return on assets (ROA) | 0.6101% | 4,410 |
| Pretax return on assets | 0.9464% | 3,785 |
| Return on Equity (ROE) | 6.4397% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.4397% | 1,981 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.3376% | 6,339 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 88.0234% | 1,643 |
| Equity capital to assets | 10.1750% | 3,833 |
| Core capital (leverage) ratio | 10.2136% | 3,317 |
| Tier 1 risk-based capital ratio | 54.7597% | 123 |
| Total risk-based capital ratio | 54.7597% | 125 |
| Memoranda: | ||
| Average total assets | $89,816,000 | 4,770 |
| Average earning assets | $88,887,670 | 4,621 |
| Average equity | $8,509,670 | 5,052 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1394% | 6,386 |
| Cost of funding earning assets | 0.1276% | 6,078 |
| Net interest margin | 1.0118% | 6,385 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 0.1034% | 6,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5752% | 4,386 |
| Return on assets (ROA) | 0.5752% | 4,488 |
| Pretax return on assets | 0.8942% | 3,915 |
| Return on Equity (ROE) | 6.3105% | 3,872 |
| Retained earnings to average equity (ytd only) | 6.3105% | 2,332 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.3604% | 6,407 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 90.2380% | 633 |
| Equity capital to assets | 9.7138% | 4,487 |
| Core capital (leverage) ratio | 10.4004% | 3,098 |
| Tier 1 risk-based capital ratio | 51.3866% | 144 |
| Total risk-based capital ratio | 51.3866% | 153 |
| Memoranda: | ||
| Average total assets | $89,014,000 | 4,832 |
| Average earning assets | $87,768,500 | 4,676 |
| Average equity | $8,113,500 | 5,189 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1178% | 6,469 |
| Cost of funding earning assets | 0.1344% | 6,179 |
| Net interest margin | 0.9835% | 6,469 |
| Noninterest income to average assets | 0.0000% | 6,390 |
| Noninterest expense to average assets | 0.1049% | 6,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5380% | 4,647 |
| Return on assets (ROA) | 0.5380% | 4,735 |
| Pretax return on assets | 0.8382% | 4,120 |
| Return on Equity (ROE) | 6.2531% | 4,023 |
| Retained earnings to average equity (ytd only) | 6.2531% | 1,779 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.1268% | 6,501 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 88.0328% | 1,753 |
| Equity capital to assets | 8.4225% | 5,812 |
| Core capital (leverage) ratio | 8.4268% | 5,637 |
| Tier 1 risk-based capital ratio | 43.5847% | 191 |
| Total risk-based capital ratio | 43.5847% | 204 |
| Memoranda: | ||
| Average total assets | $75,279,800 | 5,169 |
| Average earning assets | $72,193,400 | 5,082 |
| Average equity | $6,476,800 | 5,532 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0984% | 6,555 |
| Cost of funding earning assets | 0.1340% | 6,268 |
| Net interest margin | 0.9645% | 6,554 |
| Noninterest income to average assets | 0.0000% | 6,477 |
| Noninterest expense to average assets | 0.1107% | 6,586 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5191% | 4,810 |
| Return on assets (ROA) | 0.5191% | 4,868 |
| Pretax return on assets | 0.8041% | 4,352 |
| Return on Equity (ROE) | 5.9982% | 4,235 |
| Retained earnings to average equity (ytd only) | 5.9982% | 2,410 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.1032% | 6,581 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 91.9194% | 166 |
| Equity capital to assets | 8.0326% | 6,116 |
| Core capital (leverage) ratio | 8.7455% | 5,385 |
| Tier 1 risk-based capital ratio | 41.0842% | 223 |
| Total risk-based capital ratio | 41.0842% | 244 |
| Memoranda: | ||
| Average total assets | $73,455,750 | 5,254 |
| Average earning assets | $69,674,750 | 5,184 |
| Average equity | $6,357,250 | 5,610 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0693% | 6,619 |
| Cost of funding earning assets | 0.1300% | 6,361 |
| Net interest margin | 0.9393% | 6,616 |
| Noninterest income to average assets | 0.0000% | 6,545 |
| Noninterest expense to average assets | 0.1111% | 6,650 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5157% | 4,744 |
| Return on assets (ROA) | 0.5157% | 4,839 |
| Pretax return on assets | 0.7949% | 4,292 |
| Return on Equity (ROE) | 5.7942% | 4,276 |
| Retained earnings to average equity (ytd only) | 5.7942% | 2,450 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.2642% | 6,648 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 91.4503% | 274 |
| Equity capital to assets | 8.5022% | 5,799 |
| Core capital (leverage) ratio | 9.5686% | 4,225 |
| Tier 1 risk-based capital ratio | 43.3498% | 196 |
| Total risk-based capital ratio | 43.3498% | 204 |
| Memoranda: | ||
| Average total assets | $70,195,670 | 5,384 |
| Average earning assets | $67,706,670 | 5,278 |
| Average equity | $6,247,670 | 5,667 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0455% | 6,698 |
| Cost of funding earning assets | 0.1162% | 6,509 |
| Net interest margin | 0.9293% | 6,695 |
| Noninterest income to average assets | 0.0000% | 6,595 |
| Noninterest expense to average assets | 0.1388% | 6,726 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5129% | 4,622 |
| Return on assets (ROA) | 0.5129% | 4,699 |
| Pretax return on assets | 0.7784% | 4,187 |
| Return on Equity (ROE) | 5.6147% | 4,223 |
| Retained earnings to average equity (ytd only) | 5.6147% | 2,729 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.1316% | 6,716 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 89.4394% | 1,400 |
| Equity capital to assets | 8.8181% | 5,311 |
| Core capital (leverage) ratio | 10.1160% | 3,408 |
| Tier 1 risk-based capital ratio | 48.8954% | 145 |
| Total risk-based capital ratio | 48.8954% | 153 |
| Memoranda: | ||
| Average total assets | $66,292,000 | 5,556 |
| Average earning assets | $65,423,500 | 5,392 |
| Average equity | $6,055,500 | 5,732 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0833% | 6,769 |
| Cost of funding earning assets | 0.2016% | 6,283 |
| Net interest margin | 0.8817% | 6,768 |
| Noninterest income to average assets | 0.0000% | 6,646 |
| Noninterest expense to average assets | 0.1377% | 6,804 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4876% | 4,785 |
| Return on assets (ROA) | 0.4876% | 4,930 |
| Pretax return on assets | 0.7139% | 4,489 |
| Return on Equity (ROE) | 5.0328% | 4,617 |
| Retained earnings to average equity (ytd only) | 5.0328% | 2,571 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.1710% | 6,796 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 90.4552% | 847 |
| Equity capital to assets | 9.4993% | 4,427 |
| Core capital (leverage) ratio | 10.6477% | 2,731 |
| Tier 1 risk-based capital ratio | 52.4013% | 116 |
| Total risk-based capital ratio | 52.4013% | 128 |
| Memoranda: | ||
| Average total assets | $63,171,200 | 5,673 |
| Average earning assets | $61,017,400 | 5,561 |
| Average equity | $6,119,800 | 5,788 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0637% | 6,853 |
| Cost of funding earning assets | 0.2027% | 6,389 |
| Net interest margin | 0.8610% | 6,852 |
| Noninterest income to average assets | 0.0000% | 6,739 |
| Noninterest expense to average assets | 0.1405% | 6,884 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4719% | 4,921 |
| Return on assets (ROA) | 0.4719% | 5,073 |
| Pretax return on assets | 0.6880% | 4,727 |
| Return on Equity (ROE) | 4.8487% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.8487% | 3,195 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.9620% | 6,875 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 90.4055% | 784 |
| Equity capital to assets | 9.5527% | 4,483 |
| Core capital (leverage) ratio | 10.9111% | 2,562 |
| Tier 1 risk-based capital ratio | 49.0810% | 142 |
| Total risk-based capital ratio | 49.0810% | 148 |
| Memoranda: | ||
| Average total assets | $63,565,500 | 5,724 |
| Average earning assets | $61,166,250 | 5,621 |
| Average equity | $6,187,000 | 5,841 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0403% | 6,905 |
| Cost of funding earning assets | 0.2081% | 6,435 |
| Net interest margin | 0.8322% | 6,903 |
| Noninterest income to average assets | 0.0000% | 6,784 |
| Noninterest expense to average assets | 0.1406% | 6,934 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.4623% | 4,966 |
| Return on assets (ROA) | 0.4623% | 5,134 |
| Pretax return on assets | 0.6591% | 4,820 |
| Return on Equity (ROE) | 4.7216% | 4,886 |
| Retained earnings to average equity (ytd only) | 4.7216% | 3,251 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.5781% | 6,920 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 90.1062% | 969 |
| Equity capital to assets | 9.6156% | 4,432 |
| Core capital (leverage) ratio | 9.9698% | 3,568 |
| Tier 1 risk-based capital ratio | 48.4947% | 138 |
| Total risk-based capital ratio | 48.4947% | 146 |
| Memoranda: | ||
| Average total assets | $64,023,330 | 5,746 |
| Average earning assets | $61,520,000 | 5,651 |
| Average equity | $6,269,000 | 5,860 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0029% | 6,987 |
| Cost of funding earning assets | 0.2057% | 6,550 |
| Net interest margin | 0.7972% | 6,984 |
| Noninterest income to average assets | 0.0000% | 6,849 |
| Noninterest expense to average assets | 0.1584% | 7,014 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.4264% | 5,017 |
| Return on assets (ROA) | 0.4264% | 5,173 |
| Pretax return on assets | 0.5970% | 4,957 |
| Return on Equity (ROE) | 4.3190% | 4,934 |
| Retained earnings to average equity (ytd only) | 4.3190% | 3,639 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.9677% | 6,994 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 89.9916% | 1,063 |
| Equity capital to assets | 9.9564% | 4,200 |
| Core capital (leverage) ratio | 9.8515% | 3,597 |
| Tier 1 risk-based capital ratio | 48.0859% | 143 |
| Total risk-based capital ratio | 48.0859% | 152 |
| Memoranda: | ||
| Average total assets | $65,662,500 | 5,750 |
| Average earning assets | $62,218,000 | 5,671 |
| Average equity | $6,483,000 | 5,869 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2123% | 7,037 |
| Cost of funding earning assets | 0.2639% | 6,614 |
| Net interest margin | 0.9484% | 7,032 |
| Noninterest income to average assets | 0.0000% | 6,818 |
| Noninterest expense to average assets | 0.1377% | 7,075 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5207% | 4,596 |
| Return on assets (ROA) | 0.5207% | 4,868 |
| Pretax return on assets | 0.7301% | 4,556 |
| Return on Equity (ROE) | 5.3565% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.3565% | 2,465 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.8696% | 7,061 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 83.2307% | 4,628 |
| Equity capital to assets | 9.7906% | 4,464 |
| Core capital (leverage) ratio | 9.8605% | 3,592 |
| Tier 1 risk-based capital ratio | 49.4192% | 142 |
| Total risk-based capital ratio | 49.4192% | 148 |
| Memoranda: | ||
| Average total assets | $53,005,000 | 6,116 |
| Average earning assets | $48,501,200 | 6,103 |
| Average equity | $5,152,600 | 6,257 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2850% | 7,143 |
| Cost of funding earning assets | 0.2764% | 6,710 |
| Net interest margin | 1.0086% | 7,142 |
| Noninterest income to average assets | 0.0000% | 6,935 |
| Noninterest expense to average assets | 0.1500% | 7,178 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5464% | 4,636 |
| Return on assets (ROA) | 0.5464% | 4,899 |
| Pretax return on assets | 0.7687% | 4,600 |
| Return on Equity (ROE) | 5.6339% | 4,514 |
| Retained earnings to average equity (ytd only) | 5.6339% | 2,935 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.3265% | 7,161 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 91.3790% | 315 |
| Equity capital to assets | 8.5037% | 6,256 |
| Core capital (leverage) ratio | 8.9671% | 5,112 |
| Tier 1 risk-based capital ratio | 43.9291% | 184 |
| Total risk-based capital ratio | 43.9291% | 198 |
| Memoranda: | ||
| Average total assets | $49,781,250 | 6,289 |
| Average earning assets | $45,342,250 | 6,265 |
| Average equity | $4,827,750 | 6,417 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3163% | 7,211 |
| Cost of funding earning assets | 0.3097% | 6,693 |
| Net interest margin | 1.0065% | 7,207 |
| Noninterest income to average assets | 0.0000% | 6,985 |
| Noninterest expense to average assets | 0.1465% | 7,241 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5505% | 4,582 |
| Return on assets (ROA) | 0.5505% | 4,862 |
| Pretax return on assets | 0.7769% | 4,554 |
| Return on Equity (ROE) | 5.3637% | 4,641 |
| Retained earnings to average equity (ytd only) | 5.3637% | 3,062 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.8654% | 7,222 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 89.3064% | 1,328 |
| Equity capital to assets | 8.8985% | 5,807 |
| Core capital (leverage) ratio | 10.3899% | 2,932 |
| Tier 1 risk-based capital ratio | 43.1908% | 190 |
| Total risk-based capital ratio | 43.1908% | 200 |
| Memoranda: | ||
| Average total assets | $45,051,000 | 6,466 |
| Average earning assets | $41,329,330 | 6,438 |
| Average equity | $4,623,670 | 6,507 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4242% | 7,273 |
| Cost of funding earning assets | 0.3798% | 6,505 |
| Net interest margin | 1.0444% | 7,268 |
| Noninterest income to average assets | 0.0000% | 7,087 |
| Noninterest expense to average assets | 0.2132% | 7,303 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5650% | 4,518 |
| Return on assets (ROA) | 0.5650% | 4,742 |
| Pretax return on assets | 0.7249% | 4,706 |
| Return on Equity (ROE) | 4.9754% | 4,796 |
| Retained earnings to average equity (ytd only) | 4.9754% | 3,570 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.7273% | 7,265 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 88.6839% | 1,894 |
| Equity capital to assets | 11.1621% | 2,744 |
| Core capital (leverage) ratio | 11.8145% | 1,703 |
| Tier 1 risk-based capital ratio | 53.9350% | 113 |
| Total risk-based capital ratio | 53.9350% | 117 |
| Memoranda: | ||
| Average total assets | $37,521,000 | 6,751 |
| Average earning assets | $33,703,000 | 6,749 |
| Average equity | $4,261,000 | 6,645 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6510% | 7,307 |
| Cost of funding earning assets | 0.4416% | 6,763 |
| Net interest margin | 1.2094% | 7,310 |
| Noninterest income to average assets | 0.0000% | 6,982 |
| Noninterest expense to average assets | 0.2216% | 7,352 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6061% | 3,974 |
| Return on assets (ROA) | 1.4886% | 922 |
| Pretax return on assets | 2.1565% | 397 |
| Return on Equity (ROE) | 12.7273% | 1,223 |
| Retained earnings to average equity (ytd only) | 12.7273% | 249 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.1635% | 7,331 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 79.1889% | 5,948 |
| Equity capital to assets | 11.5590% | 2,462 |
| Core capital (leverage) ratio | 12.0789% | 1,551 |
| Tier 1 risk-based capital ratio | 52.0517% | 123 |
| Total risk-based capital ratio | 52.0517% | 126 |
| Memoranda: | ||
| Average total assets | $33,388,000 | 6,880 |
| Average earning assets | $30,345,000 | 6,858 |
| Average equity | $3,905,000 | 6,782 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6774% | 7,385 |
| Cost of funding earning assets | 0.4657% | 6,834 |
| Net interest margin | 1.2117% | 7,387 |
| Noninterest income to average assets | 0.0000% | 7,100 |
| Noninterest expense to average assets | 0.2334% | 7,429 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5978% | 4,094 |
| Return on assets (ROA) | 1.7897% | 577 |
| Pretax return on assets | 2.6170% | 198 |
| Return on Equity (ROE) | 15.2516% | 795 |
| Retained earnings to average equity (ytd only) | 15.2516% | 217 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.2687% | 7,398 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 87.4665% | 2,369 |
| Equity capital to assets | 12.3609% | 1,993 |
| Core capital (leverage) ratio | 12.4202% | 1,473 |
| Tier 1 risk-based capital ratio | 58.5362% | 117 |
| Total risk-based capital ratio | 58.5362% | 120 |
| Memoranda: | ||
| Average total assets | $32,556,000 | 6,967 |
| Average earning assets | $29,488,750 | 6,945 |
| Average equity | $3,820,250 | 6,854 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6667% | 7,462 |
| Cost of funding earning assets | 0.4898% | 6,878 |
| Net interest margin | 1.1769% | 7,465 |
| Noninterest income to average assets | 0.0000% | 7,188 |
| Noninterest expense to average assets | 0.2484% | 7,503 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.6273% | 3,921 |
| Return on assets (ROA) | 0.6273% | 4,044 |
| Pretax return on assets | 0.8260% | 3,924 |
| Return on Equity (ROE) | 5.4467% | 4,240 |
| Retained earnings to average equity (ytd only) | 5.4467% | 2,717 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.1214% | 7,464 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 88.1061% | 2,076 |
| Equity capital to assets | 11.8468% | 2,213 |
| Core capital (leverage) ratio | 12.3077% | 1,452 |
| Tier 1 risk-based capital ratio | 62.5208% | 100 |
| Total risk-based capital ratio | 62.5208% | 100 |
| Memoranda: | ||
| Average total assets | $32,203,330 | 7,039 |
| Average earning assets | $29,398,670 | 7,017 |
| Average equity | $3,708,670 | 6,925 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6339% | 7,523 |
| Cost of funding earning assets | 0.5223% | 6,889 |
| Net interest margin | 1.1116% | 7,527 |
| Noninterest income to average assets | 0.0000% | 7,288 |
| Noninterest expense to average assets | 0.2595% | 7,563 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5933% | 4,064 |
| Return on assets (ROA) | 0.5933% | 4,136 |
| Pretax return on assets | 0.7663% | 4,034 |
| Return on Equity (ROE) | 5.2252% | 4,280 |
| Retained earnings to average equity (ytd only) | 5.2252% | 3,047 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.3012% | 7,513 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 78.1752% | 6,356 |
| Equity capital to assets | 11.4210% | 2,330 |
| Core capital (leverage) ratio | 12.6449% | 1,269 |
| Tier 1 risk-based capital ratio | 58.7983% | 109 |
| Total risk-based capital ratio | 58.7983% | 113 |
| Memoranda: | ||
| Average total assets | $32,364,000 | 7,087 |
| Average earning assets | $29,866,500 | 7,053 |
| Average equity | $3,674,500 | 6,964 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7407% | 7,578 |
| Cost of funding earning assets | 0.7937% | 6,594 |
| Net interest margin | 0.9470% | 7,587 |
| Noninterest income to average assets | 0.0000% | 7,282 |
| Noninterest expense to average assets | 0.2749% | 7,631 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.4075% | 4,511 |
| Return on assets (ROA) | 0.4075% | 4,640 |
| Pretax return on assets | 0.6034% | 4,313 |
| Return on Equity (ROE) | 3.5853% | 4,704 |
| Retained earnings to average equity (ytd only) | 3.5853% | 3,346 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.2950% | 7,580 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 79.9685% | 5,841 |
| Equity capital to assets | 11.2864% | 2,421 |
| Core capital (leverage) ratio | 11.4413% | 1,867 |
| Tier 1 risk-based capital ratio | 57.6619% | 115 |
| Total risk-based capital ratio | 57.6619% | 117 |
| Memoranda: | ||
| Average total assets | $31,653,600 | 7,156 |
| Average earning assets | $29,356,800 | 7,117 |
| Average equity | $3,598,000 | 7,114 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7633% | 7,702 |
| Cost of funding earning assets | 0.8679% | 6,517 |
| Net interest margin | 0.8953% | 7,713 |
| Noninterest income to average assets | 0.0000% | 7,437 |
| Noninterest expense to average assets | 0.2457% | 7,748 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.3813% | 4,827 |
| Return on assets (ROA) | 0.3813% | 5,019 |
| Pretax return on assets | 0.5847% | 4,652 |
| Return on Equity (ROE) | 3.3484% | 5,079 |
| Retained earnings to average equity (ytd only) | 3.3484% | 4,092 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5918% | 7,688 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 88.6731% | 1,579 |
| Equity capital to assets | 11.1912% | 2,782 |
| Core capital (leverage) ratio | 10.9820% | 2,275 |
| Tier 1 risk-based capital ratio | 56.0714% | 126 |
| Total risk-based capital ratio | 56.0714% | 131 |
| Memoranda: | ||
| Average total assets | $31,471,000 | 7,242 |
| Average earning assets | $29,187,500 | 7,202 |
| Average equity | $3,583,750 | 7,210 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7306% | 7,782 |
| Cost of funding earning assets | 0.9207% | 6,496 |
| Net interest margin | 0.8099% | 7,788 |
| Noninterest income to average assets | 0.0000% | 7,524 |
| Noninterest expense to average assets | 0.2312% | 7,818 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.3403% | 5,022 |
| Return on assets (ROA) | 0.3403% | 5,185 |
| Pretax return on assets | 0.5201% | 4,844 |
| Return on Equity (ROE) | 2.9709% | 5,242 |
| Retained earnings to average equity (ytd only) | 2.9709% | 4,231 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.7692% | 7,740 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 91.0337% | 472 |
| Equity capital to assets | 8.8923% | 5,618 |
| Core capital (leverage) ratio | 12.1896% | 1,547 |
| Tier 1 risk-based capital ratio | 48.6722% | 163 |
| Total risk-based capital ratio | 48.6722% | 167 |
| Memoranda: | ||
| Average total assets | $31,146,330 | 7,304 |
| Average earning assets | $28,891,000 | 7,266 |
| Average equity | $3,568,000 | 7,244 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0442% | 7,872 |
| Cost of funding earning assets | 1.0793% | 5,997 |
| Net interest margin | 0.9649% | 7,883 |
| Noninterest income to average assets | 0.0000% | 7,655 |
| Noninterest expense to average assets | 0.2723% | 7,920 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.4085% | 4,800 |
| Return on assets (ROA) | 0.4085% | 4,949 |
| Pretax return on assets | 0.6203% | 4,527 |
| Return on Equity (ROE) | 3.0435% | 5,323 |
| Retained earnings to average equity (ytd only) | 3.0435% | 4,312 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5085% | 7,846 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 87.3930% | 2,416 |
| Equity capital to assets | 12.5401% | 1,733 |
| Core capital (leverage) ratio | 14.0693% | 946 |
| Tier 1 risk-based capital ratio | 40.1085% | 252 |
| Total risk-based capital ratio | 40.1085% | 262 |
| Memoranda: | ||
| Average total assets | $26,438,000 | 7,545 |
| Average earning assets | $24,459,500 | 7,518 |
| Average equity | $3,548,500 | 7,329 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3651% | 7,912 |
| Cost of funding earning assets | 1.4673% | 5,652 |
| Net interest margin | 0.8977% | 7,938 |
| Noninterest income to average assets | 0.0000% | 7,693 |
| Noninterest expense to average assets | 0.3048% | 7,997 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.4062% | 4,105 |
| Return on assets (ROA) | 0.7807% | 2,693 |
| Pretax return on assets | 0.9978% | 2,602 |
| Return on Equity (ROE) | 5.4049% | 3,466 |
| Retained earnings to average equity (ytd only) | 5.4049% | 1,621 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.0558% | 7,893 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 85.5032% | 3,290 |
| Equity capital to assets | 14.4438% | 1,043 |
| Core capital (leverage) ratio | 13.3878% | 1,129 |
| Tier 1 risk-based capital ratio | 75.3800% | 78 |
| Total risk-based capital ratio | 75.3800% | 80 |
| Memoranda: | ||
| Average total assets | $23,952,000 | 7,670 |
| Average earning assets | $21,944,400 | 7,653 |
| Average equity | $3,459,800 | 7,456 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4105% | 8,015 |
| Cost of funding earning assets | 1.5104% | 5,776 |
| Net interest margin | 0.9001% | 8,030 |
| Noninterest income to average assets | 0.0000% | 7,834 |
| Noninterest expense to average assets | 0.3303% | 8,084 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.3633% | 4,537 |
| Return on assets (ROA) | 0.8398% | 2,719 |
| Pretax return on assets | 1.1309% | 2,474 |
| Return on Equity (ROE) | 5.8135% | 3,602 |
| Retained earnings to average equity (ytd only) | 5.8135% | 2,036 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.4110% | 7,919 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 86.3850% | 2,486 |
| Equity capital to assets | 13.4997% | 1,499 |
| Core capital (leverage) ratio | 13.9276% | 1,110 |
| Tier 1 risk-based capital ratio | 77.6812% | 76 |
| Total risk-based capital ratio | 77.6812% | 76 |
| Memoranda: | ||
| Average total assets | $23,816,250 | 7,745 |
| Average earning assets | $21,627,250 | 7,727 |
| Average equity | $3,440,250 | 7,529 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3513% | 8,108 |
| Cost of funding earning assets | 1.6213% | 5,662 |
| Net interest margin | 0.7301% | 8,125 |
| Noninterest income to average assets | 0.0000% | 7,938 |
| Noninterest expense to average assets | 0.3379% | 8,182 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.2175% | 5,196 |
| Return on assets (ROA) | 0.8750% | 2,662 |
| Pretax return on assets | 1.3255% | 1,950 |
| Return on Equity (ROE) | 5.9122% | 3,693 |
| Retained earnings to average equity (ytd only) | 5.9122% | 2,065 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6494% | 7,621 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 85.7576% | 2,903 |
| Equity capital to assets | 13.9512% | 1,330 |
| Core capital (leverage) ratio | 14.2352% | 1,085 |
| Tier 1 risk-based capital ratio | 71.8029% | 97 |
| Total risk-based capital ratio | 71.8029% | 99 |
| Memoranda: | ||
| Average total assets | $23,085,670 | 7,846 |
| Average earning assets | $21,094,330 | 7,823 |
| Average equity | $3,416,670 | 7,598 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7751% | 8,150 |
| Cost of funding earning assets | 1.7769% | 5,228 |
| Net interest margin | 0.9983% | 8,166 |
| Noninterest income to average assets | 0.0000% | 8,039 |
| Noninterest expense to average assets | 0.2515% | 8,232 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4308% | 4,741 |
| Return on assets (ROA) | 0.5031% | 4,593 |
| Pretax return on assets | 0.7546% | 4,240 |
| Return on Equity (ROE) | 3.2941% | 5,249 |
| Retained earnings to average equity (ytd only) | 3.2941% | 4,047 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.0000% | 8,161 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 85.0884% | 3,154 |
| Equity capital to assets | 14.6601% | 1,192 |
| Core capital (leverage) ratio | 14.8985% | 992 |
| Tier 1 risk-based capital ratio | 64.3445% | 128 |
| Total risk-based capital ratio | 64.3445% | 131 |
| Memoranda: | ||
| Average total assets | $22,264,000 | 7,920 |
| Average earning assets | $20,035,000 | 7,902 |
| Average equity | $3,400,000 | 7,657 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7920% | 8,271 |
| Cost of funding earning assets | 0.5574% | 8,183 |
| Net interest margin | 0.2346% | 8,287 |
| Noninterest income to average assets | 0.0000% | 8,110 |
| Noninterest expense to average assets | 0.0767% | 8,295 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.0850% | 6,146 |
| Return on assets (ROA) | 0.0850% | 5,986 |
| Pretax return on assets | 0.1326% | 5,876 |
| Return on Equity (ROE) | 0.7751% | 5,980 |
| Retained earnings to average equity (ytd only) | 0.7751% | 4,759 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.6337% | 8,183 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 83.8390% | 3,403 |
| Equity capital to assets | 15.9521% | 946 |
| Core capital (leverage) ratio | 15.5933% | 908 |
| Tier 1 risk-based capital ratio | 87.3690% | 92 |
| Total risk-based capital ratio | 87.3690% | 92 |
| Memoranda: | ||
| Average total assets | $48,251,600 | 6,850 |
| Average earning assets | $43,055,200 | 6,901 |
| Average equity | $5,289,800 | 7,047 |
| Average total loans | $22,066,200 | 7,187 |