Home > Independence Trust Company > Performance and Condition Ratios
Independence Trust Company, Performance and Condition Ratios
| 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 | 2.7169% | 5,554 |
| Cost of funding earning assets | 0.3397% | 3,775 |
| Net interest margin | 2.3771% | 5,540 |
| Noninterest income to average assets | 46.4575% | 25 |
| Noninterest expense to average assets | 38.7411% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 5.0812% | 37 |
| Return on assets (ROA) | 5.1018% | 37 |
| Pretax return on assets | 9.5339% | 24 |
| Return on Equity (ROE) | 5.8627% | 4,184 |
| Retained earnings to average equity (ytd only) | 3.2978% | 3,963 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3040% | 1,064 |
| Assets per employee ($millions) | 0.4934% | 5,706 |
| Cash dividends to net income (ytd only)* | 43.7491% | 2,084 |
| 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 | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 5,745 |
| Equity capital to assets | 93.2607% | 8 |
| Core capital (leverage) ratio | 88.9420% | 19 |
| Tier 1 risk-based capital ratio | 196.8288% | 22 |
| Total risk-based capital ratio | 196.8288% | 22 |
| Memoranda: | ||
| Average total assets | $4,181,500 | 5,744 |
| Average earning assets | $3,140,750 | 5,733 |
| Average equity | $3,638,750 | 5,528 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5585% | 5,641 |
| Cost of funding earning assets | 0.3744% | 3,346 |
| Net interest margin | 2.1841% | 5,651 |
| Noninterest income to average assets | 45.4965% | 25 |
| Noninterest expense to average assets | 37.0921% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 6.1977% | 30 |
| Return on assets (ROA) | 6.1977% | 30 |
| Pretax return on assets | 10.0477% | 26 |
| Return on Equity (ROE) | 7.2834% | 3,406 |
| Retained earnings to average equity (ytd only) | 3.4210% | 3,675 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6853% | 1,368 |
| Assets per employee ($millions) | 0.5439% | 5,755 |
| Cash dividends to net income (ytd only)* | 53.0303% | 1,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 11.4916% | 5,769 |
| Equity capital to assets | 83.8658% | 22 |
| Core capital (leverage) ratio | 86.7057% | 19 |
| Tier 1 risk-based capital ratio | 162.4067% | 28 |
| Total risk-based capital ratio | 162.4067% | 28 |
| Memoranda: | ||
| Average total assets | $4,259,670 | 5,794 |
| Average earning assets | $3,205,000 | 5,783 |
| Average equity | $3,624,670 | 5,574 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5421% | 5,708 |
| Cost of funding earning assets | 0.3813% | 3,194 |
| Net interest margin | 2.1608% | 5,718 |
| Noninterest income to average assets | 46.5116% | 25 |
| Noninterest expense to average assets | 39.2027% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 5.5055% | 37 |
| Return on assets (ROA) | 5.5055% | 37 |
| Pretax return on assets | 8.9226% | 30 |
| Return on Equity (ROE) | 6.4221% | 3,707 |
| Retained earnings to average equity (ytd only) | 6.4221% | 2,127 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4596% | 1,211 |
| Assets per employee ($millions) | 0.5319% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 11.7509% | 5,835 |
| Equity capital to assets | 85.5699% | 23 |
| Core capital (leverage) ratio | 88.7155% | 19 |
| Tier 1 risk-based capital ratio | 177.6442% | 27 |
| Total risk-based capital ratio | 177.6442% | 27 |
| Memoranda: | ||
| Average total assets | $4,214,000 | 5,863 |
| Average earning assets | $3,147,000 | 5,852 |
| Average equity | $3,612,500 | 5,635 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4396% | 5,776 |
| Cost of funding earning assets | 0.3753% | 3,258 |
| Net interest margin | 2.0643% | 5,795 |
| Noninterest income to average assets | 39.8141% | 29 |
| Noninterest expense to average assets | 36.0111% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 3.4077% | 65 |
| Return on assets (ROA) | 3.4978% | 65 |
| Pretax return on assets | 5.4932% | 43 |
| Return on Equity (ROE) | 4.0932% | 4,799 |
| Retained earnings to average equity (ytd only) | -0.7142% | 5,413 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0602% | 753 |
| Assets per employee ($millions) | 0.5216% | 5,878 |
| Cash dividends to net income (ytd only)* | 117.4497% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 11.9818% | 5,892 |
| Equity capital to assets | 85.8855% | 21 |
| Core capital (leverage) ratio | 86.7812% | 17 |
| Tier 1 risk-based capital ratio | 187.1848% | 26 |
| Total risk-based capital ratio | 187.1848% | 26 |
| Memoranda: | ||
| Average total assets | $4,259,800 | 5,920 |
| Average earning assets | $3,197,200 | 5,909 |
| Average equity | $3,640,200 | 5,685 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4021% | 5,853 |
| Cost of funding earning assets | 0.3728% | 3,303 |
| Net interest margin | 2.0294% | 5,869 |
| Noninterest income to average assets | 39.2064% | 29 |
| Noninterest expense to average assets | 35.7188% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.0629% | 86 |
| Return on assets (ROA) | 3.0830% | 84 |
| Pretax return on assets | 5.0450% | 50 |
| Return on Equity (ROE) | 3.6122% | 5,050 |
| Retained earnings to average equity (ytd only) | -2.7729% | 5,640 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6911% | 694 |
| Assets per employee ($millions) | 0.5293% | 5,948 |
| Cash dividends to net income (ytd only)* | 176.7652% | 109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 11.8092% | 5,960 |
| Equity capital to assets | 84.8134% | 21 |
| Core capital (leverage) ratio | 85.1400% | 20 |
| Tier 1 risk-based capital ratio | 225.7614% | 22 |
| Total risk-based capital ratio | 225.7614% | 22 |
| Memoranda: | ||
| Average total assets | $4,281,500 | 5,987 |
| Average earning assets | $3,219,250 | 5,976 |
| Average equity | $3,654,250 | 5,745 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4156% | 5,924 |
| Cost of funding earning assets | 0.3716% | 3,345 |
| Net interest margin | 2.0440% | 5,945 |
| Noninterest income to average assets | 39.0475% | 27 |
| Noninterest expense to average assets | 36.7205% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.3438% | 189 |
| Return on assets (ROA) | 2.3736% | 191 |
| Pretax return on assets | 3.9094% | 75 |
| Return on Equity (ROE) | 2.7753% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.7753% | 4,131 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4817% | 578 |
| Assets per employee ($millions) | 0.5470% | 6,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 11.4260% | 6,038 |
| Equity capital to assets | 85.0548% | 21 |
| Core capital (leverage) ratio | 85.8876% | 19 |
| Tier 1 risk-based capital ratio | 200.9825% | 25 |
| Total risk-based capital ratio | 200.9825% | 25 |
| Memoranda: | ||
| Average total assets | $4,297,330 | 6,065 |
| Average earning assets | $3,229,000 | 6,054 |
| Average equity | $3,675,330 | 5,810 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3903% | 5,999 |
| Cost of funding earning assets | 0.3774% | 3,329 |
| Net interest margin | 2.0129% | 6,013 |
| Noninterest income to average assets | 38.5157% | 29 |
| Noninterest expense to average assets | 38.4218% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9394% | 2,565 |
| Return on assets (ROA) | 0.9394% | 2,673 |
| Pretax return on assets | 1.5970% | 1,304 |
| Return on Equity (ROE) | 1.0953% | 5,678 |
| Retained earnings to average equity (ytd only) | 1.0953% | 4,803 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0094% | 397 |
| Assets per employee ($millions) | 0.4760% | 6,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 11.6713% | 6,102 |
| Equity capital to assets | 85.6909% | 22 |
| Core capital (leverage) ratio | 86.5006% | 16 |
| Tier 1 risk-based capital ratio | 214.3445% | 23 |
| Total risk-based capital ratio | 214.3445% | 23 |
| Memoranda: | ||
| Average total assets | $4,258,000 | 6,129 |
| Average earning assets | $3,179,500 | 6,118 |
| Average equity | $3,652,000 | 5,864 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5137% | 5,995 |
| Cost of funding earning assets | 0.3867% | 3,302 |
| Net interest margin | 2.1270% | 6,014 |
| Noninterest income to average assets | 54.8516% | 23 |
| Noninterest expense to average assets | 42.8874% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 8.3712% | 22 |
| Return on assets (ROA) | 8.4315% | 21 |
| Pretax return on assets | 13.6128% | 19 |
| Return on Equity (ROE) | 10.0359% | 1,996 |
| Retained earnings to average equity (ytd only) | 6.6719% | 1,454 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0334% | 2,263 |
| Assets per employee ($millions) | 0.4702% | 6,151 |
| Cash dividends to net income (ytd only)* | 33.5196% | 3,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 11.8147% | 6,162 |
| Equity capital to assets | 85.8459% | 20 |
| Core capital (leverage) ratio | 84.4884% | 18 |
| Tier 1 risk-based capital ratio | 222.8834% | 24 |
| Total risk-based capital ratio | 222.8834% | 24 |
| Memoranda: | ||
| Average total assets | $4,246,000 | 6,189 |
| Average earning assets | $3,103,000 | 6,178 |
| Average equity | $3,567,200 | 5,915 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4572% | 6,101 |
| Cost of funding earning assets | 0.3880% | 3,353 |
| Net interest margin | 2.0692% | 6,118 |
| Noninterest income to average assets | 57.4171% | 22 |
| Noninterest expense to average assets | 45.1806% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 8.4852% | 21 |
| Return on assets (ROA) | 8.5655% | 21 |
| Pretax return on assets | 13.8680% | 20 |
| Return on Equity (ROE) | 10.2511% | 1,997 |
| Retained earnings to average equity (ytd only) | 10.2511% | 593 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6773% | 2,131 |
| Assets per employee ($millions) | 0.4464% | 6,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 11.2007% | 6,247 |
| Equity capital to assets | 82.5941% | 24 |
| Core capital (leverage) ratio | 84.0438% | 23 |
| Tier 1 risk-based capital ratio | 193.3403% | 28 |
| Total risk-based capital ratio | 193.3403% | 28 |
| Memoranda: | ||
| Average total assets | $4,249,500 | 6,277 |
| Average earning assets | $3,093,000 | 6,266 |
| Average equity | $3,550,750 | 5,997 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4596% | 6,177 |
| Cost of funding earning assets | 0.3988% | 3,289 |
| Net interest margin | 2.0607% | 6,188 |
| Noninterest income to average assets | 58.9756% | 24 |
| Noninterest expense to average assets | 46.4337% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 8.6376% | 28 |
| Return on assets (ROA) | 8.7602% | 28 |
| Pretax return on assets | 14.2173% | 22 |
| Return on Equity (ROE) | 10.4412% | 1,876 |
| Retained earnings to average equity (ytd only) | 10.4412% | 595 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8013% | 2,229 |
| Assets per employee ($millions) | 0.4299% | 6,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 11.6306% | 6,323 |
| Equity capital to assets | 83.5078% | 23 |
| Core capital (leverage) ratio | 85.4558% | 18 |
| Tier 1 risk-based capital ratio | 202.9395% | 27 |
| Total risk-based capital ratio | 202.9395% | 27 |
| Memoranda: | ||
| Average total assets | $4,178,000 | 6,355 |
| Average earning assets | $3,008,670 | 6,342 |
| Average equity | $3,505,330 | 6,064 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6090% | 6,178 |
| Cost of funding earning assets | 0.4119% | 3,172 |
| Net interest margin | 2.1970% | 6,213 |
| Noninterest income to average assets | 57.4135% | 24 |
| Noninterest expense to average assets | 46.6302% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 7.5774% | 28 |
| Return on assets (ROA) | 7.5774% | 29 |
| Pretax return on assets | 12.3376% | 27 |
| Return on Equity (ROE) | 9.0095% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.0095% | 1,190 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0774% | 2,021 |
| Assets per employee ($millions) | 0.3759% | 6,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 12.0919% | 6,394 |
| Equity capital to assets | 84.7400% | 22 |
| Core capital (leverage) ratio | 86.7995% | 16 |
| Tier 1 risk-based capital ratio | 199.8280% | 31 |
| Total risk-based capital ratio | 199.8280% | 31 |
| Memoranda: | ||
| Average total assets | $4,117,500 | 6,425 |
| Average earning assets | $2,913,000 | 6,413 |
| Average equity | $3,463,000 | 6,132 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9598% | 6,088 |
| Cost of funding earning assets | 0.4228% | 3,449 |
| Net interest margin | 2.5370% | 6,122 |
| Noninterest income to average assets | 58.1401% | 23 |
| Noninterest expense to average assets | 49.3333% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 6.3280% | 31 |
| Return on assets (ROA) | 6.3439% | 31 |
| Pretax return on assets | 10.6229% | 27 |
| Return on Equity (ROE) | 7.6197% | 3,313 |
| Retained earnings to average equity (ytd only) | 1.9423% | 4,828 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3163% | 1,627 |
| Assets per employee ($millions) | 0.3154% | 6,487 |
| Cash dividends to net income (ytd only)* | 74.5098% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 12.1951% | 6,484 |
| Equity capital to assets | 83.4634% | 23 |
| Core capital (leverage) ratio | 83.0976% | 21 |
| Tier 1 risk-based capital ratio | 198.3120% | 29 |
| Total risk-based capital ratio | 198.3120% | 29 |
| Memoranda: | ||
| Average total assets | $4,019,600 | 6,516 |
| Average earning assets | $2,838,000 | 6,505 |
| Average equity | $3,346,600 | 6,208 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0608% | 6,076 |
| Cost of funding earning assets | 0.4238% | 3,532 |
| Net interest margin | 2.6370% | 6,090 |
| Noninterest income to average assets | 58.7391% | 23 |
| Noninterest expense to average assets | 50.7051% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 6.0673% | 32 |
| Return on assets (ROA) | 6.0673% | 31 |
| Pretax return on assets | 9.9010% | 27 |
| Return on Equity (ROE) | 7.2920% | 3,558 |
| Retained earnings to average equity (ytd only) | -0.3206% | 5,852 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6634% | 1,429 |
| Assets per employee ($millions) | 0.3088% | 6,567 |
| Cash dividends to net income (ytd only)* | 104.3971% | 315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 12.4564% | 6,564 |
| Equity capital to assets | 83.0842% | 21 |
| Core capital (leverage) ratio | 83.1091% | 20 |
| Tier 1 risk-based capital ratio | 206.4356% | 25 |
| Total risk-based capital ratio | 206.4356% | 25 |
| Memoranda: | ||
| Average total assets | $3,999,500 | 6,596 |
| Average earning assets | $2,831,250 | 6,585 |
| Average equity | $3,327,750 | 6,279 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2300% | 5,906 |
| Cost of funding earning assets | 0.4213% | 3,641 |
| Net interest margin | 2.8087% | 5,888 |
| Noninterest income to average assets | 58.9285% | 23 |
| Noninterest expense to average assets | 50.6675% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 6.3084% | 36 |
| Return on assets (ROA) | 6.3084% | 36 |
| Pretax return on assets | 10.2637% | 28 |
| Return on Equity (ROE) | 7.5782% | 3,332 |
| Retained earnings to average equity (ytd only) | -3.8492% | 6,165 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1553% | 1,612 |
| Assets per employee ($millions) | 0.3325% | 6,634 |
| Cash dividends to net income (ytd only)* | 150.7937% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 12.5313% | 6,631 |
| Equity capital to assets | 82.3810% | 24 |
| Core capital (leverage) ratio | 82.1554% | 24 |
| Tier 1 risk-based capital ratio | 221.9364% | 25 |
| Total risk-based capital ratio | 221.9364% | 25 |
| Memoranda: | ||
| Average total assets | $3,994,670 | 6,662 |
| Average earning assets | $2,848,330 | 6,652 |
| Average equity | $3,325,330 | 6,331 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3850% | 5,680 |
| Cost of funding earning assets | 0.4231% | 3,729 |
| Net interest margin | 2.9619% | 5,619 |
| Noninterest income to average assets | 56.7426% | 24 |
| Noninterest expense to average assets | 51.7388% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 4.3032% | 56 |
| Return on assets (ROA) | 4.3032% | 59 |
| Pretax return on assets | 7.1053% | 42 |
| Return on Equity (ROE) | 5.1428% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.1428% | 3,026 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.9252% | 1,234 |
| Assets per employee ($millions) | 0.3364% | 6,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 12.3854% | 6,702 |
| Equity capital to assets | 83.6017% | 29 |
| Core capital (leverage) ratio | 83.8494% | 22 |
| Tier 1 risk-based capital ratio | 219.3778% | 29 |
| Total risk-based capital ratio | 219.3778% | 29 |
| Memoranda: | ||
| Average total assets | $3,997,000 | 6,735 |
| Average earning assets | $2,836,000 | 6,725 |
| Average equity | $3,344,500 | 6,380 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8978% | 6,427 |
| Cost of funding earning assets | 0.4402% | 4,216 |
| Net interest margin | 2.4576% | 6,403 |
| Noninterest income to average assets | 62.8487% | 22 |
| Noninterest expense to average assets | 48.4346% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 9.9969% | 20 |
| Return on assets (ROA) | 9.9969% | 20 |
| Pretax return on assets | 16.1449% | 19 |
| Return on Equity (ROE) | 12.2406% | 1,341 |
| Retained earnings to average equity (ytd only) | 8.2869% | 960 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 2,951 |
| Assets per employee ($millions) | 0.3298% | 6,787 |
| Cash dividends to net income (ytd only)* | 32.2997% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 12.6358% | 6,785 |
| Equity capital to assets | 83.7503% | 23 |
| Core capital (leverage) ratio | 84.4327% | 16 |
| Tier 1 risk-based capital ratio | 232.6602% | 27 |
| Total risk-based capital ratio | 232.6602% | 27 |
| Memoranda: | ||
| Average total assets | $3,871,200 | 6,818 |
| Average earning assets | $2,726,200 | 6,809 |
| Average equity | $3,161,600 | 6,505 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8540% | 6,527 |
| Cost of funding earning assets | 0.4429% | 4,352 |
| Net interest margin | 2.4111% | 6,506 |
| Noninterest income to average assets | 62.2362% | 21 |
| Noninterest expense to average assets | 51.8462% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 7.4117% | 27 |
| Return on assets (ROA) | 7.4117% | 27 |
| Pretax return on assets | 12.0873% | 23 |
| Return on Equity (ROE) | 9.1349% | 2,574 |
| Retained earnings to average equity (ytd only) | 3.7989% | 3,980 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0943% | 1,956 |
| Assets per employee ($millions) | 0.3303% | 6,866 |
| Cash dividends to net income (ytd only)* | 58.4096% | 1,528 |
| 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% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 12.6135% | 6,864 |
| Equity capital to assets | 79.7175% | 25 |
| Core capital (leverage) ratio | 79.9697% | 22 |
| Tier 1 risk-based capital ratio | 218.1693% | 26 |
| Total risk-based capital ratio | 218.1693% | 26 |
| Memoranda: | ||
| Average total assets | $3,849,750 | 6,897 |
| Average earning assets | $2,709,500 | 6,888 |
| Average equity | $3,123,500 | 6,586 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9918% | 6,456 |
| Cost of funding earning assets | 0.4488% | 4,443 |
| Net interest margin | 2.5430% | 6,397 |
| Noninterest income to average assets | 63.1744% | 21 |
| Noninterest expense to average assets | 53.4674% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 7.0352% | 27 |
| Return on assets (ROA) | 7.1360% | 26 |
| Pretax return on assets | 11.6484% | 23 |
| Return on Equity (ROE) | 8.7422% | 2,739 |
| Retained earnings to average equity (ytd only) | 0.7071% | 5,617 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3102% | 1,843 |
| Assets per employee ($millions) | 0.3188% | 6,916 |
| Cash dividends to net income (ytd only)* | 91.9118% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 13.0719% | 6,914 |
| Equity capital to assets | 80.4444% | 24 |
| Core capital (leverage) ratio | 80.8105% | 22 |
| Tier 1 risk-based capital ratio | 245.5123% | 20 |
| Total risk-based capital ratio | 245.5123% | 20 |
| Memoranda: | ||
| Average total assets | $3,811,670 | 6,946 |
| Average earning assets | $2,674,000 | 6,937 |
| Average equity | $3,111,330 | 6,634 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0064% | 6,511 |
| Cost of funding earning assets | 0.4510% | 4,582 |
| Net interest margin | 2.5554% | 6,434 |
| Noninterest income to average assets | 57.6084% | 22 |
| Noninterest expense to average assets | 55.7162% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.4717% | 905 |
| Return on assets (ROA) | 1.4717% | 989 |
| Pretax return on assets | 3.6794% | 102 |
| Return on Equity (ROE) | 1.7900% | 6,002 |
| Retained earnings to average equity (ytd only) | 1.7900% | 5,094 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8053% | 847 |
| Assets per employee ($millions) | 0.3206% | 6,993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 12.9971% | 6,989 |
| Equity capital to assets | 81.4141% | 25 |
| Core capital (leverage) ratio | 80.4523% | 23 |
| Tier 1 risk-based capital ratio | 210.1154% | 29 |
| Total risk-based capital ratio | 210.1154% | 29 |
| Memoranda: | ||
| Average total assets | $3,805,000 | 7,024 |
| Average earning assets | $2,661,000 | 7,015 |
| Average equity | $3,128,500 | 6,692 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3861% | 6,500 |
| Cost of funding earning assets | 0.4566% | 5,529 |
| Net interest margin | 2.9295% | 6,175 |
| Noninterest income to average assets | 57.8720% | 22 |
| Noninterest expense to average assets | 49.0631% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 6.6574% | 33 |
| Return on assets (ROA) | 6.9137% | 31 |
| Pretax return on assets | 11.2647% | 28 |
| Return on Equity (ROE) | 8.5682% | 2,839 |
| Retained earnings to average equity (ytd only) | 5.9217% | 2,128 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8708% | 1,879 |
| Assets per employee ($millions) | 0.3421% | 7,053 |
| Cash dividends to net income (ytd only)* | 30.8880% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 13.2873% | 7,051 |
| Equity capital to assets | 83.0454% | 25 |
| Core capital (leverage) ratio | 81.8762% | 21 |
| Tier 1 risk-based capital ratio | 236.0920% | 27 |
| Total risk-based capital ratio | 236.0920% | 27 |
| Memoranda: | ||
| Average total assets | $3,746,200 | 7,091 |
| Average earning assets | $2,628,400 | 7,080 |
| Average equity | $3,022,800 | 6,777 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3482% | 6,684 |
| Cost of funding earning assets | 0.4566% | 5,749 |
| Net interest margin | 2.8917% | 6,375 |
| Noninterest income to average assets | 58.9687% | 21 |
| Noninterest expense to average assets | 50.8450% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 6.3223% | 34 |
| Return on assets (ROA) | 6.4134% | 34 |
| Pretax return on assets | 10.2972% | 29 |
| Return on Equity (ROE) | 8.0070% | 3,284 |
| Retained earnings to average equity (ytd only) | 4.4484% | 3,765 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3528% | 1,667 |
| Assets per employee ($millions) | 0.3534% | 7,153 |
| Cash dividends to net income (ytd only)* | 44.4435% | 1,959 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.8634% | 7,155 |
| Equity capital to assets | 78.8526% | 23 |
| Core capital (leverage) ratio | 77.2318% | 25 |
| Tier 1 risk-based capital ratio | 227.7693% | 27 |
| Total risk-based capital ratio | 227.7693% | 27 |
| Memoranda: | ||
| Average total assets | $3,742,000 | 7,188 |
| Average earning assets | $2,628,250 | 7,179 |
| Average equity | $2,997,250 | 6,871 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3303% | 6,792 |
| Cost of funding earning assets | 0.4647% | 5,874 |
| Net interest margin | 2.8656% | 6,468 |
| Noninterest income to average assets | 60.5360% | 21 |
| Noninterest expense to average assets | 53.8218% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 5.5273% | 40 |
| Return on assets (ROA) | 5.6313% | 40 |
| Pretax return on assets | 8.8801% | 32 |
| Return on Equity (ROE) | 6.9924% | 3,787 |
| Retained earnings to average equity (ytd only) | 1.6136% | 5,400 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0606% | 1,428 |
| Assets per employee ($millions) | 0.3796% | 7,213 |
| Cash dividends to net income (ytd only)* | 76.9231% | 866 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.1718% | 7,222 |
| Equity capital to assets | 78.5827% | 24 |
| Core capital (leverage) ratio | 77.0811% | 21 |
| Tier 1 risk-based capital ratio | 238.0797% | 21 |
| Total risk-based capital ratio | 238.0797% | 21 |
| Memoranda: | ||
| Average total assets | $3,693,670 | 7,252 |
| Average earning assets | $2,582,330 | 7,242 |
| Average equity | $2,974,670 | 6,919 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1746% | 6,965 |
| Cost of funding earning assets | 0.4762% | 5,973 |
| Net interest margin | 2.6984% | 6,773 |
| Noninterest income to average assets | 58.4214% | 19 |
| Noninterest expense to average assets | 56.3349% | 17 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.4159% | 202 |
| Return on assets (ROA) | 2.4159% | 247 |
| Pretax return on assets | 3.9533% | 91 |
| Return on Equity (ROE) | 2.9625% | 5,728 |
| Retained earnings to average equity (ytd only) | 2.9625% | 4,771 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.4426% | 852 |
| Assets per employee ($millions) | 0.3068% | 7,283 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.5833% | 7,284 |
| Equity capital to assets | 80.9834% | 21 |
| Core capital (leverage) ratio | 79.4621% | 17 |
| Tier 1 risk-based capital ratio | 209.8278% | 21 |
| Total risk-based capital ratio | 209.8278% | 21 |
| Memoranda: | ||
| Average total assets | $3,642,500 | 7,315 |
| Average earning assets | $2,520,000 | 7,305 |
| Average equity | $2,970,500 | 6,967 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3662% | 7,073 |
| Cost of funding earning assets | 0.4926% | 6,565 |
| Net interest margin | 2.8736% | 6,731 |
| Noninterest income to average assets | 55.5524% | 21 |
| Noninterest expense to average assets | 50.3698% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 4.5226% | 46 |
| Return on assets (ROA) | 4.5944% | 46 |
| Pretax return on assets | 7.2557% | 42 |
| Return on Equity (ROE) | 5.7215% | 4,017 |
| Retained earnings to average equity (ytd only) | 3.1049% | 4,025 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5792% | 1,391 |
| Assets per employee ($millions) | 0.3003% | 7,329 |
| Cash dividends to net income (ytd only)* | 45.7317% | 2,288 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.8735% | 7,328 |
| Equity capital to assets | 82.1310% | 15 |
| Core capital (leverage) ratio | 79.3981% | 16 |
| Tier 1 risk-based capital ratio | 216.2444% | 20 |
| Total risk-based capital ratio | 216.2444% | 20 |
| Memoranda: | ||
| Average total assets | $3,569,600 | 7,364 |
| Average earning assets | $2,436,000 | 7,354 |
| Average equity | $2,866,400 | 7,037 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3566% | 7,160 |
| Cost of funding earning assets | 0.4953% | 6,715 |
| Net interest margin | 2.8613% | 6,811 |
| Noninterest income to average assets | 56.1626% | 21 |
| Noninterest expense to average assets | 50.5088% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 3.6737% | 66 |
| Return on assets (ROA) | 3.4822% | 73 |
| Pretax return on assets | 7.3013% | 44 |
| Return on Equity (ROE) | 4.3616% | 4,831 |
| Retained earnings to average equity (ytd only) | 0.8442% | 5,670 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9201% | 1,445 |
| Assets per employee ($millions) | 0.3108% | 7,409 |
| Cash dividends to net income (ytd only)* | 80.6452% | 597 |
| 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 | 13.4048% | 7,405 |
| Equity capital to assets | 77.4799% | 29 |
| Core capital (leverage) ratio | 77.1242% | 26 |
| Tier 1 risk-based capital ratio | 257.4545% | 23 |
| Total risk-based capital ratio | 257.4545% | 23 |
| Memoranda: | ||
| Average total assets | $3,561,000 | 7,443 |
| Average earning assets | $2,423,000 | 7,434 |
| Average equity | $2,843,000 | 7,113 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4849% | 7,166 |
| Cost of funding earning assets | 0.5100% | 6,816 |
| Net interest margin | 2.9749% | 6,651 |
| Noninterest income to average assets | 59.1782% | 22 |
| Noninterest expense to average assets | 54.0422% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 4.2298% | 60 |
| Return on assets (ROA) | 3.9376% | 66 |
| Pretax return on assets | 6.6768% | 50 |
| Return on Equity (ROE) | 4.8809% | 4,510 |
| Retained earnings to average equity (ytd only) | -0.4244% | 5,937 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3396% | 1,378 |
| Assets per employee ($millions) | 0.3249% | 7,483 |
| Cash dividends to net income (ytd only)* | 108.6957% | 372 |
| 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 | 13.9899% | 7,478 |
| Equity capital to assets | 79.7706% | 25 |
| Core capital (leverage) ratio | 79.5184% | 23 |
| Tier 1 risk-based capital ratio | 255.6466% | 24 |
| Total risk-based capital ratio | 255.6466% | 24 |
| Memoranda: | ||
| Average total assets | $3,504,670 | 7,519 |
| Average earning assets | $2,353,000 | 7,510 |
| Average equity | $2,827,330 | 7,172 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6372% | 7,112 |
| Cost of funding earning assets | 0.5196% | 6,900 |
| Net interest margin | 3.1176% | 6,300 |
| Noninterest income to average assets | 55.5620% | 21 |
| Noninterest expense to average assets | 53.0259% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.9971% | 111 |
| Return on assets (ROA) | 2.9971% | 114 |
| Pretax return on assets | 4.6110% | 83 |
| Return on Equity (ROE) | 3.6938% | 5,042 |
| Retained earnings to average equity (ytd only) | -6.9615% | 6,676 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0000% | 1,166 |
| Assets per employee ($millions) | 0.2877% | 7,546 |
| Cash dividends to net income (ytd only)* | 288.4615% | 105 |
| 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 | 14.4844% | 7,540 |
| Equity capital to assets | 80.7937% | 22 |
| Core capital (leverage) ratio | 80.6536% | 21 |
| Tier 1 risk-based capital ratio | 248.1149% | 24 |
| Total risk-based capital ratio | 248.1149% | 24 |
| Memoranda: | ||
| Average total assets | $3,470,000 | 7,579 |
| Average earning assets | $2,309,500 | 7,571 |
| Average equity | $2,815,500 | 7,219 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7096% | 5,774 |
| Cost of funding earning assets | 0.5185% | 7,271 |
| Net interest margin | 4.1912% | 2,222 |
| Noninterest income to average assets | 52.6515% | 24 |
| Noninterest expense to average assets | 48.6888% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 4.2541% | 41 |
| Return on assets (ROA) | 4.2541% | 43 |
| Pretax return on assets | 6.7890% | 34 |
| Return on Equity (ROE) | 5.2906% | 3,953 |
| Retained earnings to average equity (ytd only) | 5.2906% | 2,253 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7626% | 1,498 |
| Assets per employee ($millions) | 0.2907% | 7,628 |
| 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 | 14.3349% | 7,619 |
| Equity capital to assets | 81.4794% | 24 |
| Core capital (leverage) ratio | 81.3241% | 23 |
| Tier 1 risk-based capital ratio | 249.6007% | 30 |
| Total risk-based capital ratio | 249.6007% | 30 |
| Memoranda: | ||
| Average total assets | $3,432,000 | 7,664 |
| Average earning assets | $2,314,400 | 7,656 |
| Average equity | $2,759,600 | 7,339 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6959% | 7,448 |
| Cost of funding earning assets | 0.5198% | 7,420 |
| Net interest margin | 3.1762% | 6,418 |
| Noninterest income to average assets | 50.9836% | 24 |
| Noninterest expense to average assets | 48.6434% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.6135% | 121 |
| Return on assets (ROA) | 2.6135% | 128 |
| Pretax return on assets | 4.4860% | 65 |
| Return on Equity (ROE) | 3.2614% | 5,116 |
| Retained earnings to average equity (ytd only) | 3.2614% | 4,151 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5565% | 1,162 |
| Assets per employee ($millions) | 0.2939% | 7,732 |
| 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 | 14.1764% | 7,725 |
| Equity capital to assets | 79.0190% | 32 |
| Core capital (leverage) ratio | 78.6989% | 29 |
| Tier 1 risk-based capital ratio | 245.4219% | 32 |
| Total risk-based capital ratio | 245.4219% | 32 |
| Memoranda: | ||
| Average total assets | $3,418,000 | 7,767 |
| Average earning assets | $2,308,750 | 7,760 |
| Average equity | $2,739,000 | 7,441 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6907% | 7,534 |
| Cost of funding earning assets | 0.5272% | 7,505 |
| Net interest margin | 3.1634% | 6,423 |
| Noninterest income to average assets | 52.4001% | 24 |
| Noninterest expense to average assets | 48.7925% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 3.3711% | 59 |
| Return on assets (ROA) | 3.3711% | 63 |
| Pretax return on assets | 5.7368% | 43 |
| Return on Equity (ROE) | 4.1866% | 4,692 |
| Retained earnings to average equity (ytd only) | 4.1866% | 3,406 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4794% | 1,377 |
| Assets per employee ($millions) | 0.2910% | 7,803 |
| 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 | 14.3184% | 7,790 |
| Equity capital to assets | 79.5819% | 30 |
| Core capital (leverage) ratio | 79.2552% | 28 |
| Tier 1 risk-based capital ratio | 245.6267% | 31 |
| Total risk-based capital ratio | 250.5861% | 31 |
| Memoranda: | ||
| Average total assets | $3,381,670 | 7,837 |
| Average earning assets | $2,276,000 | 7,829 |
| Average equity | $2,723,000 | 7,494 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1554% | 7,314 |
| Cost of funding earning assets | 0.5420% | 7,614 |
| Net interest margin | 3.6134% | 4,665 |
| Noninterest income to average assets | 48.2188% | 25 |
| Noninterest expense to average assets | 50.5035% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.1202% | 6,451 |
| Return on assets (ROA) | -0.1202% | 6,531 |
| Pretax return on assets | 0.1202% | 6,089 |
| Return on Equity (ROE) | -0.1484% | 6,425 |
| Retained earnings to average equity (ytd only) | -0.1484% | 5,866 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.7625% | 848 |
| Assets per employee ($millions) | 0.2796% | 7,908 |
| 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 | 14.9031% | 7,890 |
| Equity capital to assets | 80.4769% | 27 |
| Core capital (leverage) ratio | 80.2770% | 24 |
| Tier 1 risk-based capital ratio | 241.2670% | 28 |
| Total risk-based capital ratio | 241.2670% | 28 |
| Memoranda: | ||
| Average total assets | $3,326,500 | 7,941 |
| Average earning assets | $2,214,000 | 7,933 |
| Average equity | $2,695,000 | 7,583 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1492% | 7,630 |
| Cost of funding earning assets | 0.5594% | 7,794 |
| Net interest margin | 3.5897% | 4,586 |
| Noninterest income to average assets | 47.9885% | 26 |
| Noninterest expense to average assets | 45.1674% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 3.2982% | 48 |
| Return on assets (ROA) | 3.2197% | 53 |
| Pretax return on assets | 5.0595% | 41 |
| Return on Equity (ROE) | 4.0061% | 4,091 |
| Retained earnings to average equity (ytd only) | 4.0061% | 2,406 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7077% | 1,728 |
| Assets per employee ($millions) | 0.2748% | 7,988 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 15.1607% | 7,966 |
| Equity capital to assets | 81.5646% | 28 |
| Core capital (leverage) ratio | 81.4294% | 24 |
| Tier 1 risk-based capital ratio | 239.9640% | 27 |
| Total risk-based capital ratio | 239.9640% | 27 |
| Memoranda: | ||
| Average total assets | $3,261,200 | 8,020 |
| Average earning assets | $2,145,000 | 8,011 |
| Average equity | $2,621,000 | 7,699 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7392% | 7,883 |
| Cost of funding earning assets | 0.5609% | 7,906 |
| Net interest margin | 3.1783% | 6,094 |
| Noninterest income to average assets | 47.0673% | 27 |
| Noninterest expense to average assets | 46.2063% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6221% | 638 |
| Return on assets (ROA) | 1.5169% | 839 |
| Pretax return on assets | 2.7878% | 132 |
| Return on Equity (ROE) | 1.8946% | 5,204 |
| Retained earnings to average equity (ytd only) | 1.8946% | 4,264 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9950% | 1,400 |
| Assets per employee ($millions) | 0.2787% | 8,074 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 14.9522% | 8,053 |
| Equity capital to assets | 78.7679% | 32 |
| Core capital (leverage) ratio | 78.4260% | 30 |
| Tier 1 risk-based capital ratio | 231.4798% | 33 |
| Total risk-based capital ratio | 231.4798% | 33 |
| Memoranda: | ||
| Average total assets | $3,252,000 | 8,106 |
| Average earning assets | $2,139,500 | 8,098 |
| Average equity | $2,603,750 | 7,782 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8924% | 7,943 |
| Cost of funding earning assets | 0.5696% | 8,008 |
| Net interest margin | 3.3228% | 5,463 |
| Noninterest income to average assets | 48.3030% | 25 |
| Noninterest expense to average assets | 46.8130% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0836% | 244 |
| Return on assets (ROA) | 1.9247% | 384 |
| Pretax return on assets | 3.4147% | 76 |
| Return on Equity (ROE) | 2.3904% | 5,141 |
| Retained earnings to average equity (ytd only) | 2.3904% | 4,001 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7429% | 1,588 |
| Assets per employee ($millions) | 0.2967% | 8,165 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 15.3186% | 8,143 |
| Equity capital to assets | 80.0858% | 30 |
| Core capital (leverage) ratio | 79.8387% | 27 |
| Tier 1 risk-based capital ratio | 230.0268% | 32 |
| Total risk-based capital ratio | 230.0268% | 32 |
| Memoranda: | ||
| Average total assets | $3,221,330 | 8,202 |
| Average earning assets | $2,106,670 | 8,193 |
| Average equity | $2,593,670 | 7,859 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0404% | 7,974 |
| Cost of funding earning assets | 0.5772% | 8,065 |
| Net interest margin | 3.4632% | 4,884 |
| Noninterest income to average assets | 44.0000% | 28 |
| Noninterest expense to average assets | 47.1250% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.6800% | 7,037 |
| Return on assets (ROA) | -0.8750% | 7,201 |
| Pretax return on assets | -1.1250% | 7,210 |
| Return on Equity (ROE) | -1.0838% | 6,551 |
| Retained earnings to average equity (ytd only) | -1.0838% | 5,906 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.8919% | 1,056 |
| Assets per employee ($millions) | 0.2898% | 8,217 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 15.6838% | 8,197 |
| Equity capital to assets | 81.0226% | 30 |
| Core capital (leverage) ratio | 80.7386% | 29 |
| Tier 1 risk-based capital ratio | 224.6236% | 31 |
| Total risk-based capital ratio | 224.6236% | 31 |
| Memoranda: | ||
| Average total assets | $3,200,000 | 8,253 |
| Average earning assets | $2,079,000 | 8,244 |
| Average equity | $2,583,500 | 7,914 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3518% | 7,534 |
| Cost of funding earning assets | 0.5946% | 8,176 |
| Net interest margin | 4.7572% | 855 |
| Noninterest income to average assets | 52.7459% | 27 |
| Noninterest expense to average assets | 50.5414% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 3.3988% | 51 |
| Return on assets (ROA) | 3.2743% | 59 |
| Pretax return on assets | 5.1222% | 47 |
| Return on Equity (ROE) | 4.0585% | 4,798 |
| Retained earnings to average equity (ytd only) | 4.0585% | 2,603 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4817% | 1,475 |
| Assets per employee ($millions) | 0.2677% | 8,275 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 15.5666% | 8,250 |
| Equity capital to assets | 80.4483% | 35 |
| Core capital (leverage) ratio | 80.2018% | 31 |
| Tier 1 risk-based capital ratio | 229.3959% | 34 |
| Total risk-based capital ratio | 229.3959% | 34 |
| Memoranda: | ||
| Average total assets | $3,084,600 | 8,313 |
| Average earning assets | $2,018,000 | 8,305 |
| Average equity | $2,488,600 | 7,993 |
| Average total loans | NA | NA |