Home > Prudential Bank & Trust > Performance and Condition Ratios
Prudential Bank & Trust, Performance and Condition Ratios
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7941% | 4,329 |
| Cost of funding earning assets | 0.0296% | 4,610 |
| Net interest margin | 2.7644% | 3,948 |
| Noninterest income to average assets | 44.1400% | 57 |
| Noninterest expense to average assets | 27.2525% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 14.4981% | 35 |
| Return on assets (ROA) | 14.0455% | 35 |
| Pretax return on assets | 18.7880% | 35 |
| Return on Equity (ROE) | 16.7400% | 907 |
| Retained earnings to average equity (ytd only) | 16.7422% | 190 |
| 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 | 57.6510% | 3,389 |
| Assets per employee ($millions) | 6.7188% | 2,172 |
| 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 | 0.0000% | 4,674 |
| Equity capital to assets | 80.1542% | 58 |
| Core capital (leverage) ratio | 97.7391% | 17 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 421.2613% | 20 |
| Memoranda: | ||
| Average total assets | $26,357,200 | 4,636 |
| Average earning assets | $23,621,600 | 4,610 |
| Average equity | $22,111,800 | 2,763 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2720% | 4,543 |
| Cost of funding earning assets | 0.0365% | 4,623 |
| Net interest margin | 2.2354% | 4,445 |
| Noninterest income to average assets | 49.2100% | 47 |
| Noninterest expense to average assets | 27.2656% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 17.9589% | 28 |
| Return on assets (ROA) | 17.3153% | 29 |
| Pretax return on assets | 23.1269% | 27 |
| Return on Equity (ROE) | 20.3300% | 408 |
| Retained earnings to average equity (ytd only) | 20.3298% | 98 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 52.4501% | 3,973 |
| Assets per employee ($millions) | 6.2864% | 2,504 |
| 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 | 1.6000% | 4,702 |
| Equity capital to assets | 83.0937% | 54 |
| Core capital (leverage) ratio | 98.6193% | 16 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 446.9285% | 15 |
| Memoranda: | ||
| Average total assets | $24,548,000 | 4,685 |
| Average earning assets | $21,889,250 | 4,660 |
| Average equity | $20,908,000 | 2,911 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4523% | 4,712 |
| Cost of funding earning assets | 0.0401% | 4,650 |
| Net interest margin | 1.4123% | 4,692 |
| Noninterest income to average assets | 51.6857% | 18 |
| Noninterest expense to average assets | 25.2770% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 20.8126% | 14 |
| Return on assets (ROA) | 20.8126% | 15 |
| Pretax return on assets | 27.6753% | 14 |
| Return on Equity (ROE) | 24.1564% | 137 |
| Retained earnings to average equity (ytd only) | 24.1564% | 40 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8872% | 4,402 |
| Assets per employee ($millions) | 6.1916% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 1.6216% | 4,763 |
| Equity capital to assets | 86.1910% | 20 |
| Core capital (leverage) ratio | 131.0984% | 2 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 392.5000% | 7 |
| Memoranda: | ||
| Average total assets | $22,265,333 | 4,733 |
| Average earning assets | $19,967,667 | 4,722 |
| Average equity | $19,183,333 | 3,133 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5174% | 4,717 |
| Cost of funding earning assets | 0.0734% | 4,418 |
| Net interest margin | 1.4440% | 4,707 |
| Noninterest income to average assets | 78.5758% | 15 |
| Noninterest expense to average assets | 10.9604% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 51.8509% | 3 |
| Return on assets (ROA) | 51.8332% | 3 |
| Pretax return on assets | 68.9101% | 3 |
| Return on Equity (ROE) | 60.1808% | 14 |
| Retained earnings to average equity (ytd only) | 60.1808% | 11 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.0204% | 4,790 |
| Assets per employee ($millions) | 3.5992% | 4,531 |
| 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 | 2.9784% | 4,788 |
| Equity capital to assets | 91.1980% | 12 |
| Core capital (leverage) ratio | 91.9107% | 15 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 418.1360% | 6 |
| Memoranda: | ||
| Average total assets | $17,919,000 | 4,772 |
| Average earning assets | $16,343,500 | 4,760 |
| Average equity | $15,433,500 | 3,524 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2678% | 4,766 |
| Cost of funding earning assets | 0.0526% | 4,677 |
| Net interest margin | 1.2152% | 4,758 |
| Noninterest income to average assets | 56.7970% | 19 |
| Noninterest expense to average assets | 9.0170% | 83 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 36.4698% | 6 |
| Return on assets (ROA) | 36.5187% | 6 |
| Pretax return on assets | 48.9640% | 5 |
| Return on Equity (ROE) | 44.0600% | 24 |
| Retained earnings to average equity (ytd only) | -30.5637% | 4,819 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.8055% | 4,828 |
| Assets per employee ($millions) | 3.5684% | 4,569 |
| Cash dividends to net income (ytd only)* | 169.3685% | 58 |
| 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 | 2.9873% | 4,831 |
| Equity capital to assets | 81.0167% | 19 |
| Core capital (leverage) ratio | 80.8607% | 17 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 387.1135% | 8 |
| Memoranda: | ||
| Average total assets | $22,635,000 | 4,790 |
| Average earning assets | $20,902,600 | 4,773 |
| Average equity | $18,760,800 | 3,322 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2709% | 4,849 |
| Cost of funding earning assets | 0.0545% | 4,758 |
| Net interest margin | 1.2164% | 4,839 |
| Noninterest income to average assets | 53.9681% | 19 |
| Noninterest expense to average assets | 8.4865% | 90 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 35.0604% | 7 |
| Return on assets (ROA) | 35.2328% | 7 |
| Pretax return on assets | 46.8242% | 6 |
| Return on Equity (ROE) | 42.3301% | 29 |
| Retained earnings to average equity (ytd only) | -51.7666% | 4,905 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.6426% | 4,905 |
| Assets per employee ($millions) | 3.4828% | 4,648 |
| Cash dividends to net income (ytd only)* | 222.2928% | 29 |
| 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 | 3.0493% | 4,906 |
| Equity capital to assets | 71.9421% | 22 |
| Core capital (leverage) ratio | 40.2230% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 299.7288% | 13 |
| Memoranda: | ||
| Average total assets | $23,833,250 | 4,855 |
| Average earning assets | $22,031,000 | 4,841 |
| Average equity | $19,837,250 | 3,271 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0627% | 4,908 |
| Cost of funding earning assets | 0.0498% | 4,821 |
| Net interest margin | 1.0129% | 4,898 |
| Noninterest income to average assets | 47.8959% | 22 |
| Noninterest expense to average assets | 7.8543% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 30.8474% | 8 |
| Return on assets (ROA) | 30.8474% | 8 |
| Pretax return on assets | 40.9810% | 7 |
| Return on Equity (ROE) | 35.9707% | 60 |
| Retained earnings to average equity (ytd only) | 35.9707% | 18 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.2949% | 4,943 |
| Assets per employee ($millions) | 5.6744% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 1.8610% | 4,945 |
| Equity capital to assets | 85.4716% | 17 |
| Core capital (leverage) ratio | 87.7429% | 18 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 209.9709% | 16 |
| Memoranda: | ||
| Average total assets | $25,973,000 | 4,878 |
| Average earning assets | $24,089,333 | 4,858 |
| Average equity | $22,273,667 | 3,068 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1640% | 4,931 |
| Cost of funding earning assets | 0.0529% | 4,857 |
| Net interest margin | 1.1111% | 4,920 |
| Noninterest income to average assets | 47.8899% | 23 |
| Noninterest expense to average assets | 8.1054% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 30.7102% | 8 |
| Return on assets (ROA) | 30.7102% | 8 |
| Pretax return on assets | 40.8017% | 7 |
| Return on Equity (ROE) | 35.7426% | 81 |
| Retained earnings to average equity (ytd only) | 35.7426% | 50 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.7478% | 4,964 |
| Assets per employee ($millions) | 5.1734% | 3,461 |
| 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 | 2.0683% | 4,973 |
| Equity capital to assets | 85.5376% | 15 |
| Core capital (leverage) ratio | 88.6267% | 16 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 211.5160% | 16 |
| Memoranda: | ||
| Average total assets | $24,773,500 | 4,912 |
| Average earning assets | $22,679,500 | 4,894 |
| Average equity | $21,285,500 | 3,134 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9299% | 4,922 |
| Cost of funding earning assets | 0.0546% | 4,935 |
| Net interest margin | 1.8753% | 4,867 |
| Noninterest income to average assets | 48.9477% | 23 |
| Noninterest expense to average assets | 9.2343% | 80 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 30.2710% | 8 |
| Return on assets (ROA) | 30.3170% | 8 |
| Pretax return on assets | 41.4838% | 7 |
| Return on Equity (ROE) | 34.0087% | 51 |
| Retained earnings to average equity (ytd only) | 5.1048% | 2,233 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.4077% | 4,987 |
| Assets per employee ($millions) | 3.9467% | 4,411 |
| Cash dividends to net income (ytd only)* | 84.9897% | 513 |
| 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 | 2.2466% | 4,994 |
| Equity capital to assets | 86.3218% | 16 |
| Core capital (leverage) ratio | 70.7682% | 23 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 208.9257% | 15 |
| Memoranda: | ||
| Average total assets | $24,062,400 | 4,928 |
| Average earning assets | $21,970,400 | 4,907 |
| Average equity | $21,450,400 | 3,061 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0265% | 4,963 |
| Cost of funding earning assets | 0.0543% | 4,980 |
| Net interest margin | 1.9722% | 4,894 |
| Noninterest income to average assets | 47.2544% | 23 |
| Noninterest expense to average assets | 8.8416% | 86 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 30.5481% | 8 |
| Return on assets (ROA) | 30.5481% | 8 |
| Pretax return on assets | 40.2176% | 7 |
| Return on Equity (ROE) | 34.0041% | 47 |
| Retained earnings to average equity (ytd only) | 34.0041% | 25 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.1785% | 5,021 |
| Assets per employee ($millions) | 4.7173% | 3,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 1.8690% | 5,027 |
| Equity capital to assets | 88.0088% | 13 |
| Core capital (leverage) ratio | 90.7097% | 14 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 203.5759% | 18 |
| Memoranda: | ||
| Average total assets | $24,158,000 | 4,952 |
| Average earning assets | $22,107,000 | 4,939 |
| Average equity | $21,702,750 | 3,024 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2517% | 4,999 |
| Cost of funding earning assets | 0.0568% | 5,018 |
| Net interest margin | 2.1949% | 4,883 |
| Noninterest income to average assets | 37.4868% | 25 |
| Noninterest expense to average assets | 9.7559% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 22.6115% | 9 |
| Return on assets (ROA) | 22.6115% | 8 |
| Pretax return on assets | 29.7682% | 8 |
| Return on Equity (ROE) | 24.9592% | 115 |
| Retained earnings to average equity (ytd only) | 24.9592% | 53 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.5725% | 5,040 |
| Assets per employee ($millions) | 4.0820% | 4,223 |
| 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 | 2.1476% | 5,061 |
| Equity capital to assets | 89.7068% | 14 |
| Core capital (leverage) ratio | 90.2165% | 14 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 198.4932% | 16 |
| Memoranda: | ||
| Average total assets | $22,776,000 | 4,995 |
| Average earning assets | $21,140,000 | 4,977 |
| Average equity | $20,633,667 | 3,121 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5308% | 5,042 |
| Cost of funding earning assets | 0.0593% | 5,073 |
| Net interest margin | 2.4715% | 4,839 |
| Noninterest income to average assets | 43.8909% | 21 |
| Noninterest expense to average assets | 10.5849% | 75 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 27.0280% | 9 |
| Return on assets (ROA) | 27.0280% | 9 |
| Pretax return on assets | 35.5872% | 9 |
| Return on Equity (ROE) | 29.6719% | 36 |
| Retained earnings to average equity (ytd only) | 29.6719% | 17 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.9368% | 5,088 |
| Assets per employee ($millions) | 3.8328% | 4,135 |
| 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 | 2.3177% | 5,109 |
| Equity capital to assets | 90.6292% | 17 |
| Core capital (leverage) ratio | 91.8106% | 18 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 216.1842% | 17 |
| Memoranda: | ||
| Average total assets | $21,918,000 | 5,046 |
| Average earning assets | $20,231,000 | 5,027 |
| Average equity | $19,965,000 | 3,176 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7980% | 5,090 |
| Cost of funding earning assets | 0.0586% | 5,140 |
| Net interest margin | 2.7394% | 4,807 |
| Noninterest income to average assets | 40.5396% | 24 |
| Noninterest expense to average assets | 9.6776% | 74 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 24.3246% | 9 |
| Return on assets (ROA) | 24.3246% | 10 |
| Pretax return on assets | 33.3895% | 9 |
| Return on Equity (ROE) | 27.0150% | 54 |
| Retained earnings to average equity (ytd only) | 2.9972% | 3,529 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.4248% | 5,156 |
| Assets per employee ($millions) | 3.4732% | 4,500 |
| Cash dividends to net income (ytd only)* | 88.9054% | 551 |
| 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 | 2.5433% | 5,169 |
| Equity capital to assets | 91.5975% | 14 |
| Core capital (leverage) ratio | 78.4558% | 25 |
| Tier 1 risk-based capital ratio | 232.7049% | 25 |
| Total risk-based capital ratio | 232.7049% | 25 |
| Memoranda: | ||
| Average total assets | $22,195,600 | 5,098 |
| Average earning assets | $20,479,200 | 5,085 |
| Average equity | $19,985,200 | 3,137 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8011% | 5,181 |
| Cost of funding earning assets | 0.0577% | 5,215 |
| Net interest margin | 2.7434% | 4,903 |
| Noninterest income to average assets | 39.3989% | 25 |
| Noninterest expense to average assets | 9.6323% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 24.7552% | 9 |
| Return on assets (ROA) | 24.7552% | 10 |
| Pretax return on assets | 32.2990% | 10 |
| Return on Equity (ROE) | 27.6035% | 57 |
| Retained earnings to average equity (ytd only) | 27.6035% | 19 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.9134% | 5,233 |
| Assets per employee ($millions) | 4.2593% | 3,536 |
| 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 | 2.0621% | 5,251 |
| Equity capital to assets | 88.7619% | 14 |
| Core capital (leverage) ratio | 90.3949% | 17 |
| Tier 1 risk-based capital ratio | 251.1998% | 20 |
| Total risk-based capital ratio | 251.1998% | 20 |
| Memoranda: | ||
| Average total assets | $22,534,750 | 5,171 |
| Average earning assets | $20,800,500 | 5,158 |
| Average equity | $20,209,500 | 3,134 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7903% | 5,246 |
| Cost of funding earning assets | 0.0607% | 5,261 |
| Net interest margin | 2.7296% | 4,979 |
| Noninterest income to average assets | 38.7315% | 25 |
| Noninterest expense to average assets | 10.9533% | 62 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 23.2166% | 10 |
| Return on assets (ROA) | 23.2166% | 11 |
| Pretax return on assets | 30.2866% | 11 |
| Return on Equity (ROE) | 25.7833% | 82 |
| Retained earnings to average equity (ytd only) | 25.7833% | 24 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.4337% | 5,271 |
| Assets per employee ($millions) | 3.8847% | 4,021 |
| 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 | 2.2482% | 5,296 |
| Equity capital to assets | 89.6087% | 14 |
| Core capital (leverage) ratio | 88.7693% | 20 |
| Tier 1 risk-based capital ratio | 323.5472% | 13 |
| Total risk-based capital ratio | 323.5472% | 13 |
| Memoranda: | ||
| Average total assets | $21,527,670 | 5,229 |
| Average earning assets | $19,783,000 | 5,216 |
| Average equity | $19,384,670 | 3,207 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9713% | 5,277 |
| Cost of funding earning assets | 0.0637% | 5,319 |
| Net interest margin | 2.9076% | 4,870 |
| Noninterest income to average assets | 35.1787% | 26 |
| Noninterest expense to average assets | 13.3737% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 18.7426% | 10 |
| Return on assets (ROA) | 18.7426% | 10 |
| Pretax return on assets | 24.4603% | 10 |
| Return on Equity (ROE) | 20.7578% | 227 |
| Retained earnings to average equity (ytd only) | 20.7578% | 91 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.0676% | 5,293 |
| Assets per employee ($millions) | 3.5737% | 4,490 |
| 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 | 2.4718% | 5,353 |
| Equity capital to assets | 89.5206% | 14 |
| Core capital (leverage) ratio | 93.5763% | 12 |
| Tier 1 risk-based capital ratio | 295.3240% | 12 |
| Total risk-based capital ratio | 295.3240% | 12 |
| Memoranda: | ||
| Average total assets | $20,637,500 | 5,293 |
| Average earning assets | $18,847,000 | 5,281 |
| Average equity | $18,634,000 | 3,300 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7502% | 5,303 |
| Cost of funding earning assets | 0.0489% | 5,363 |
| Net interest margin | 2.7012% | 5,099 |
| Noninterest income to average assets | 37.7626% | 24 |
| Noninterest expense to average assets | 8.4027% | 85 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 24.4534% | 9 |
| Return on assets (ROA) | 24.1161% | 9 |
| Pretax return on assets | 31.4134% | 9 |
| Return on Equity (ROE) | 27.5774% | 56 |
| Retained earnings to average equity (ytd only) | 0.3443% | 4,896 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.7633% | 5,386 |
| Assets per employee ($millions) | 3.3055% | 4,732 |
| Cash dividends to net income (ytd only)* | 98.7516% | 273 |
| 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 | 2.6572% | 5,397 |
| Equity capital to assets | 91.1259% | 14 |
| Core capital (leverage) ratio | 80.9647% | 22 |
| Tier 1 risk-based capital ratio | 381.9215% | 12 |
| Total risk-based capital ratio | 381.9215% | 12 |
| Memoranda: | ||
| Average total assets | $22,254,800 | 5,323 |
| Average earning assets | $20,435,200 | 5,311 |
| Average equity | $19,461,600 | 3,141 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5028% | 5,412 |
| Cost of funding earning assets | 0.0507% | 5,432 |
| Net interest margin | 2.4521% | 5,302 |
| Noninterest income to average assets | 35.7234% | 27 |
| Noninterest expense to average assets | 8.0487% | 87 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 22.9796% | 9 |
| Return on assets (ROA) | 22.9796% | 9 |
| Pretax return on assets | 29.9318% | 9 |
| Return on Equity (ROE) | 26.5196% | 62 |
| Retained earnings to average equity (ytd only) | 26.5196% | 17 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.0399% | 5,456 |
| Assets per employee ($millions) | 4.1973% | 3,577 |
| 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 | 2.0807% | 5,471 |
| Equity capital to assets | 85.9474% | 20 |
| Core capital (leverage) ratio | 90.8724% | 16 |
| Tier 1 risk-based capital ratio | 233.8348% | 22 |
| Total risk-based capital ratio | 233.8348% | 22 |
| Memoranda: | ||
| Average total assets | $22,860,250 | 5,387 |
| Average earning assets | $21,042,750 | 5,373 |
| Average equity | $19,808,750 | 3,128 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4940% | 5,475 |
| Cost of funding earning assets | 0.0493% | 5,487 |
| Net interest margin | 2.4448% | 5,367 |
| Noninterest income to average assets | 36.4852% | 27 |
| Noninterest expense to average assets | 8.4036% | 86 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 23.3092% | 8 |
| Return on assets (ROA) | 23.3092% | 8 |
| Pretax return on assets | 30.3274% | 9 |
| Return on Equity (ROE) | 26.8172% | 57 |
| Retained earnings to average equity (ytd only) | 26.8172% | 13 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.5284% | 5,517 |
| Assets per employee ($millions) | 3.9097% | 4,040 |
| 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 | 2.2210% | 5,535 |
| Equity capital to assets | 86.8659% | 18 |
| Core capital (leverage) ratio | 87.9045% | 18 |
| Tier 1 risk-based capital ratio | 295.0511% | 16 |
| Total risk-based capital ratio | 295.0511% | 16 |
| Memoranda: | ||
| Average total assets | $22,085,670 | 5,459 |
| Average earning assets | $20,288,330 | 5,445 |
| Average equity | $19,196,670 | 3,202 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4902% | 5,537 |
| Cost of funding earning assets | 0.0408% | 5,564 |
| Net interest margin | 2.4494% | 5,423 |
| Noninterest income to average assets | 37.7953% | 26 |
| Noninterest expense to average assets | 9.2526% | 78 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 23.5893% | 8 |
| Return on assets (ROA) | 23.5893% | 8 |
| Pretax return on assets | 30.7858% | 9 |
| Return on Equity (ROE) | 27.1303% | 65 |
| Retained earnings to average equity (ytd only) | 27.1303% | 31 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.9421% | 5,584 |
| Assets per employee ($millions) | 3.6955% | 4,421 |
| 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 | 2.3632% | 5,598 |
| Equity capital to assets | 86.2310% | 20 |
| Core capital (leverage) ratio | 92.3370% | 16 |
| Tier 1 risk-based capital ratio | 273.2562% | 21 |
| Total risk-based capital ratio | 273.2562% | 21 |
| Memoranda: | ||
| Average total assets | $21,399,500 | 5,525 |
| Average earning assets | $19,596,500 | 5,511 |
| Average equity | $18,606,500 | 3,295 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2401% | 5,594 |
| Cost of funding earning assets | 0.0454% | 5,622 |
| Net interest margin | 2.1947% | 5,538 |
| Noninterest income to average assets | 34.2181% | 30 |
| Noninterest expense to average assets | 5.5369% | 166 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 19.2028% | 8 |
| Return on assets (ROA) | 19.2028% | 8 |
| Pretax return on assets | 30.6985% | 8 |
| Return on Equity (ROE) | 22.1631% | 124 |
| Retained earnings to average equity (ytd only) | 3.9659% | 2,817 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.0005% | 5,657 |
| Assets per employee ($millions) | 3.4377% | 4,781 |
| Cash dividends to net income (ytd only)* | 82.1058% | 764 |
| 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 | 2.5308% | 5,662 |
| Equity capital to assets | 87.7194% | 17 |
| Core capital (leverage) ratio | 78.4917% | 24 |
| Tier 1 risk-based capital ratio | 358.8009% | 14 |
| Total risk-based capital ratio | 358.8009% | 14 |
| Memoranda: | ||
| Average total assets | $21,564,600 | 5,583 |
| Average earning assets | $19,820,400 | 5,566 |
| Average equity | $18,684,200 | 3,279 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1077% | 5,669 |
| Cost of funding earning assets | 0.0465% | 5,685 |
| Net interest margin | 2.0611% | 5,632 |
| Noninterest income to average assets | 33.2236% | 35 |
| Noninterest expense to average assets | 5.7738% | 166 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 18.5139% | 10 |
| Return on assets (ROA) | 18.5139% | 10 |
| Pretax return on assets | 29.3458% | 10 |
| Return on Equity (ROE) | 21.4311% | 159 |
| Retained earnings to average equity (ytd only) | 21.4311% | 42 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.1341% | 5,724 |
| Assets per employee ($millions) | 4.0067% | 3,985 |
| 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 | 2.1589% | 5,730 |
| Equity capital to assets | 84.9126% | 20 |
| Core capital (leverage) ratio | 89.4369% | 18 |
| Tier 1 risk-based capital ratio | 228.7317% | 20 |
| Total risk-based capital ratio | 228.7317% | 20 |
| Memoranda: | ||
| Average total assets | $21,799,250 | 5,647 |
| Average earning assets | $20,053,000 | 5,631 |
| Average equity | $18,832,000 | 3,287 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0620% | 5,726 |
| Cost of funding earning assets | 0.0414% | 5,735 |
| Net interest margin | 2.0205% | 5,688 |
| Noninterest income to average assets | 34.0485% | 33 |
| Noninterest expense to average assets | 4.9971% | 219 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 19.5133% | 9 |
| Return on assets (ROA) | 19.5133% | 9 |
| Pretax return on assets | 30.9039% | 9 |
| Return on Equity (ROE) | 22.4420% | 120 |
| Retained earnings to average equity (ytd only) | 22.4420% | 42 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.5959% | 5,778 |
| Assets per employee ($millions) | 3.2054% | 5,087 |
| 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 | 2.3041% | 5,780 |
| Equity capital to assets | 86.4872% | 17 |
| Core capital (leverage) ratio | 92.0857% | 15 |
| Tier 1 risk-based capital ratio | 275.1630% | 20 |
| Total risk-based capital ratio | 275.1630% | 20 |
| Memoranda: | ||
| Average total assets | $21,052,330 | 5,703 |
| Average earning assets | $19,302,000 | 5,693 |
| Average equity | $18,305,000 | 3,361 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0232% | 5,794 |
| Cost of funding earning assets | 0.0430% | 5,800 |
| Net interest margin | 1.9801% | 5,757 |
| Noninterest income to average assets | 34.1659% | 32 |
| Noninterest expense to average assets | 8.3303% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 17.4268% | 10 |
| Return on assets (ROA) | 17.4268% | 10 |
| Pretax return on assets | 27.6431% | 9 |
| Return on Equity (ROE) | 19.9837% | 231 |
| Retained earnings to average equity (ytd only) | 19.9837% | 107 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.7914% | 5,832 |
| Assets per employee ($millions) | 3.0073% | 5,346 |
| 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 | 2.4559% | 5,846 |
| Equity capital to assets | 86.4234% | 20 |
| Core capital (leverage) ratio | 92.3815% | 14 |
| Tier 1 risk-based capital ratio | 234.6250% | 22 |
| Total risk-based capital ratio | 234.6250% | 22 |
| Memoranda: | ||
| Average total assets | $20,359,500 | 5,781 |
| Average earning assets | $18,584,500 | 5,769 |
| Average equity | $17,754,500 | 3,442 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8661% | 5,851 |
| Cost of funding earning assets | 0.0483% | 5,844 |
| Net interest margin | 1.8178% | 5,831 |
| Noninterest income to average assets | 36.3604% | 30 |
| Noninterest expense to average assets | 10.6190% | 70 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 17.7566% | 9 |
| Return on assets (ROA) | 17.7566% | 9 |
| Pretax return on assets | 27.3864% | 10 |
| Return on Equity (ROE) | 20.6053% | 190 |
| Retained earnings to average equity (ytd only) | 20.6053% | 42 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.0647% | 5,884 |
| Assets per employee ($millions) | 2.8097% | 5,481 |
| 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 | 2.6185% | 5,903 |
| Equity capital to assets | 88.0415% | 16 |
| Core capital (leverage) ratio | 87.5835% | 15 |
| Tier 1 risk-based capital ratio | 273.2595% | 19 |
| Total risk-based capital ratio | 273.2595% | 19 |
| Memoranda: | ||
| Average total assets | $18,297,400 | 5,854 |
| Average earning assets | $16,558,200 | 5,843 |
| Average equity | $15,767,800 | 3,723 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8343% | 5,924 |
| Cost of funding earning assets | 0.0494% | 5,907 |
| Net interest margin | 1.7849% | 5,897 |
| Noninterest income to average assets | 36.4908% | 30 |
| Noninterest expense to average assets | 10.6116% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 17.5176% | 9 |
| Return on assets (ROA) | 17.5176% | 9 |
| Pretax return on assets | 27.4906% | 9 |
| Return on Equity (ROE) | 20.4493% | 220 |
| Retained earnings to average equity (ytd only) | 20.4493% | 54 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.9269% | 5,953 |
| Assets per employee ($millions) | 3.3105% | 5,035 |
| 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 | 2.5827% | 5,972 |
| Equity capital to assets | 83.7940% | 23 |
| Core capital (leverage) ratio | 88.5099% | 15 |
| Tier 1 risk-based capital ratio | 185.5925% | 26 |
| Total risk-based capital ratio | 185.5925% | 26 |
| Memoranda: | ||
| Average total assets | $17,954,750 | 5,923 |
| Average earning assets | $16,209,750 | 5,911 |
| Average equity | $15,380,750 | 3,797 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9668% | 5,995 |
| Cost of funding earning assets | 0.0514% | 5,981 |
| Net interest margin | 1.9154% | 5,966 |
| Noninterest income to average assets | 37.6472% | 28 |
| Noninterest expense to average assets | 11.2018% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 17.9575% | 9 |
| Return on assets (ROA) | 17.9575% | 10 |
| Pretax return on assets | 28.1661% | 9 |
| Return on Equity (ROE) | 20.7892% | 205 |
| Retained earnings to average equity (ytd only) | 20.7892% | 54 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.5207% | 6,028 |
| Assets per employee ($millions) | 3.0835% | 5,340 |
| 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 | 2.7566% | 6,050 |
| Equity capital to assets | 85.2765% | 19 |
| Core capital (leverage) ratio | 89.6178% | 15 |
| Tier 1 risk-based capital ratio | 191.5660% | 27 |
| Total risk-based capital ratio | 191.5660% | 27 |
| Memoranda: | ||
| Average total assets | $17,318,670 | 6,004 |
| Average earning assets | $15,558,000 | 5,996 |
| Average equity | $14,959,670 | 3,860 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0949% | 6,050 |
| Cost of funding earning assets | 0.0537% | 6,044 |
| Net interest margin | 2.0412% | 6,007 |
| Noninterest income to average assets | 40.6994% | 26 |
| Noninterest expense to average assets | 12.0759% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 19.3932% | 9 |
| Return on assets (ROA) | 19.3932% | 9 |
| Pretax return on assets | 30.4409% | 9 |
| Return on Equity (ROE) | 22.2940% | 150 |
| Retained earnings to average equity (ytd only) | 22.2940% | 65 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.5906% | 6,087 |
| Assets per employee ($millions) | 2.8868% | 5,607 |
| 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 | 2.9444% | 6,112 |
| Equity capital to assets | 86.6001% | 18 |
| Core capital (leverage) ratio | 91.9664% | 13 |
| Tier 1 risk-based capital ratio | 187.6234% | 25 |
| Total risk-based capital ratio | 187.6234% | 25 |
| Memoranda: | ||
| Average total assets | $16,727,500 | 6,072 |
| Average earning assets | $14,893,500 | 6,066 |
| Average equity | $14,551,000 | 3,924 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2224% | 6,073 |
| Cost of funding earning assets | 0.0437% | 6,112 |
| Net interest margin | 2.1787% | 5,992 |
| Noninterest income to average assets | 38.4211% | 28 |
| Noninterest expense to average assets | 12.7185% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 17.1490% | 12 |
| Return on assets (ROA) | 17.2473% | 12 |
| Pretax return on assets | 27.6216% | 11 |
| Return on Equity (ROE) | 21.0150% | 202 |
| Retained earnings to average equity (ytd only) | -0.5684% | 5,605 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.7100% | 6,145 |
| Assets per employee ($millions) | 2.6890% | 5,777 |
| Cash dividends to net income (ytd only)* | 102.7046% | 363 |
| 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 | 3.1548% | 6,170 |
| Equity capital to assets | 87.4055% | 16 |
| Core capital (leverage) ratio | 82.4391% | 21 |
| Tier 1 risk-based capital ratio | 208.2024% | 26 |
| Total risk-based capital ratio | 208.2024% | 26 |
| Memoranda: | ||
| Average total assets | $16,936,000 | 6,126 |
| Average earning assets | $13,723,600 | 6,135 |
| Average equity | $13,899,600 | 3,995 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1008% | 6,178 |
| Cost of funding earning assets | 0.0392% | 6,206 |
| Net interest margin | 2.0615% | 6,122 |
| Noninterest income to average assets | 37.5486% | 28 |
| Noninterest expense to average assets | 12.5732% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 16.9720% | 11 |
| Return on assets (ROA) | 17.1015% | 11 |
| Pretax return on assets | 26.8115% | 11 |
| Return on Equity (ROE) | 21.1610% | 213 |
| Retained earnings to average equity (ytd only) | -7.7212% | 6,087 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.1104% | 6,226 |
| Assets per employee ($millions) | 2.9507% | 5,600 |
| Cash dividends to net income (ytd only)* | 136.4879% | 159 |
| 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 | 2.8638% | 6,258 |
| Equity capital to assets | 75.9263% | 30 |
| Core capital (leverage) ratio | 83.3973% | 24 |
| Tier 1 risk-based capital ratio | 165.1678% | 33 |
| Total risk-based capital ratio | 165.1678% | 33 |
| Memoranda: | ||
| Average total assets | $17,136,500 | 6,209 |
| Average earning assets | $13,582,000 | 6,222 |
| Average equity | $13,849,000 | 4,049 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9592% | 6,266 |
| Cost of funding earning assets | 0.0449% | 6,280 |
| Net interest margin | 1.9144% | 6,225 |
| Noninterest income to average assets | 38.1771% | 30 |
| Noninterest expense to average assets | 13.5007% | 59 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 16.5142% | 13 |
| Return on assets (ROA) | 16.7106% | 13 |
| Pretax return on assets | 26.4938% | 11 |
| Return on Equity (ROE) | 20.2507% | 256 |
| Retained earnings to average equity (ytd only) | -22.6534% | 6,276 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.0437% | 6,293 |
| Assets per employee ($millions) | 2.6733% | 5,938 |
| Cash dividends to net income (ytd only)* | 211.8644% | 98 |
| 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 | 3.1546% | 6,333 |
| Equity capital to assets | 78.7344% | 28 |
| Core capital (leverage) ratio | 69.9132% | 32 |
| Tier 1 risk-based capital ratio | 234.5984% | 23 |
| Total risk-based capital ratio | 234.5984% | 23 |
| Memoranda: | ||
| Average total assets | $16,947,330 | 6,290 |
| Average earning assets | $13,372,670 | 6,297 |
| Average equity | $13,984,670 | 4,045 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4499% | 6,369 |
| Cost of funding earning assets | 0.0290% | 6,365 |
| Net interest margin | 1.4209% | 6,355 |
| Noninterest income to average assets | 37.3312% | 31 |
| Noninterest expense to average assets | 12.9878% | 59 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 16.0680% | 12 |
| Return on assets (ROA) | 16.0680% | 12 |
| Pretax return on assets | 25.4698% | 11 |
| Return on Equity (ROE) | 19.0691% | 318 |
| Retained earnings to average equity (ytd only) | 19.0691% | 117 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.7830% | 6,363 |
| Assets per employee ($millions) | 2.9840% | 5,689 |
| 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 | 2.8150% | 6,404 |
| Equity capital to assets | 83.8975% | 23 |
| Core capital (leverage) ratio | 85.2507% | 20 |
| Tier 1 risk-based capital ratio | 236.7673% | 24 |
| Total risk-based capital ratio | 236.7673% | 24 |
| Memoranda: | ||
| Average total assets | $17,401,000 | 6,349 |
| Average earning assets | $13,794,000 | 6,360 |
| Average equity | $14,662,500 | 3,968 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2370% | 5,786 |
| Cost of funding earning assets | 0.0154% | 6,472 |
| Net interest margin | 3.2216% | 4,855 |
| Noninterest income to average assets | 19.2099% | 43 |
| Noninterest expense to average assets | 6.4447% | 161 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 10.0790% | 20 |
| Return on assets (ROA) | 11.0716% | 18 |
| Pretax return on assets | 16.8700% | 18 |
| Return on Equity (ROE) | 23.6132% | 131 |
| Retained earnings to average equity (ytd only) | -5.9911% | 6,222 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.6990% | 6,477 |
| Assets per employee ($millions) | 2.8163% | 5,912 |
| Cash dividends to net income (ytd only)* | 125.3719% | 199 |
| 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 | 2.9589% | 6,493 |
| Equity capital to assets | 84.6491% | 22 |
| Core capital (leverage) ratio | 83.7546% | 18 |
| Tier 1 risk-based capital ratio | 203.5526% | 27 |
| Total risk-based capital ratio | 203.5526% | 27 |
| Memoranda: | ||
| Average total assets | $32,181,400 | 6,214 |
| Average earning assets | $25,981,200 | 6,265 |
| Average equity | $15,089,000 | 3,818 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3113% | 5,750 |
| Cost of funding earning assets | 0.0137% | 6,555 |
| Net interest margin | 3.2976% | 4,612 |
| Noninterest income to average assets | 17.1355% | 46 |
| Noninterest expense to average assets | 5.5514% | 226 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 9.6655% | 19 |
| Return on assets (ROA) | 9.3659% | 20 |
| Pretax return on assets | 13.8136% | 20 |
| Return on Equity (ROE) | 22.0600% | 187 |
| Retained earnings to average equity (ytd only) | -16.9048% | 6,464 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.2244% | 6,560 |
| Assets per employee ($millions) | 5.1714% | 2,049 |
| Cash dividends to net income (ytd only)* | 176.6308% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 1.9337% | 6,578 |
| Equity capital to assets | 52.8213% | 40 |
| Core capital (leverage) ratio | 50.2358% | 41 |
| Tier 1 risk-based capital ratio | 144.3738% | 35 |
| Total risk-based capital ratio | 144.3738% | 35 |
| Memoranda: | ||
| Average total assets | $36,002,250 | 6,199 |
| Average earning assets | $29,151,750 | 6,274 |
| Average equity | $15,285,250 | 3,807 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2265% | 5,912 |
| Cost of funding earning assets | 0.0064% | 6,627 |
| Net interest margin | 3.2201% | 4,875 |
| Noninterest income to average assets | 15.6307% | 48 |
| Noninterest expense to average assets | 4.8751% | 334 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 9.2982% | 20 |
| Return on assets (ROA) | 9.2982% | 20 |
| Pretax return on assets | 13.3252% | 22 |
| Return on Equity (ROE) | 23.1367% | 164 |
| Retained earnings to average equity (ytd only) | -33.3088% | 6,596 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.9955% | 6,628 |
| Assets per employee ($millions) | 7.3870% | 666 |
| Cash dividends to net income (ytd only)* | 243.9650% | 81 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 1.3537% | 6,646 |
| Equity capital to assets | 35.0589% | 54 |
| Core capital (leverage) ratio | 32.2477% | 56 |
| Tier 1 risk-based capital ratio | 93.5599% | 48 |
| Total risk-based capital ratio | 93.5599% | 49 |
| Memoranda: | ||
| Average total assets | $39,384,000 | 6,190 |
| Average earning assets | $31,427,330 | 6,285 |
| Average equity | $15,827,670 | 3,717 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2898% | 5,862 |
| Cost of funding earning assets | 0.0126% | 6,690 |
| Net interest margin | 3.2772% | 4,638 |
| Noninterest income to average assets | 14.9722% | 50 |
| Noninterest expense to average assets | 4.1075% | 677 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 10.2048% | 19 |
| Return on assets (ROA) | 10.2048% | 19 |
| Pretax return on assets | 13.4258% | 23 |
| Return on Equity (ROE) | 23.9995% | 145 |
| Retained earnings to average equity (ytd only) | 23.9995% | 64 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.6180% | 6,708 |
| Assets per employee ($millions) | 8.2462% | 428 |
| 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 | 1.2127% | 6,720 |
| Equity capital to assets | 43.1787% | 46 |
| Core capital (leverage) ratio | 41.1310% | 46 |
| Tier 1 risk-based capital ratio | 109.0732% | 46 |
| Total risk-based capital ratio | 109.0732% | 46 |
| Memoranda: | ||
| Average total assets | $40,608,500 | 6,220 |
| Average earning assets | $31,734,500 | 6,346 |
| Average equity | $17,267,000 | 3,509 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5366% | 6,605 |
| Cost of funding earning assets | 0.0045% | 6,788 |
| Net interest margin | 2.5321% | 6,344 |
| Noninterest income to average assets | 10.1391% | 66 |
| Noninterest expense to average assets | 2.7807% | 3,791 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 8.8149% | 25 |
| Return on assets (ROA) | 8.6303% | 25 |
| Pretax return on assets | 9.2066% | 28 |
| Return on Equity (ROE) | 27.0510% | 100 |
| Retained earnings to average equity (ytd only) | 10.2808% | 516 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.8102% | 6,792 |
| Assets per employee ($millions) | 9.9965% | 230 |
| Cash dividends to net income (ytd only)* | 61.9949% | 1,671 |
| 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 | 1.2504% | 6,802 |
| Equity capital to assets | 41.8421% | 45 |
| Core capital (leverage) ratio | 39.6209% | 43 |
| Tier 1 risk-based capital ratio | 117.9222% | 42 |
| Total risk-based capital ratio | 117.9222% | 42 |
| Memoranda: | ||
| Average total assets | $54,482,400 | 5,904 |
| Average earning assets | $43,995,600 | 6,052 |
| Average equity | $17,382,000 | 3,508 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4088% | 6,726 |
| Cost of funding earning assets | 0.0057% | 6,865 |
| Net interest margin | 2.4031% | 6,514 |
| Noninterest income to average assets | 9.1577% | 74 |
| Noninterest expense to average assets | 2.5883% | 4,431 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 5.3716% | 38 |
| Return on assets (ROA) | 5.3716% | 38 |
| Pretax return on assets | 8.5221% | 31 |
| Return on Equity (ROE) | 17.7903% | 457 |
| Retained earnings to average equity (ytd only) | -4.3620% | 6,465 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.1983% | 6,869 |
| Assets per employee ($millions) | 26.6880% | 42 |
| Cash dividends to net income (ytd only)* | 124.5193% | 216 |
| 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 | 0.9368% | 6,882 |
| Equity capital to assets | 27.0384% | 73 |
| Core capital (leverage) ratio | 24.7470% | 89 |
| Tier 1 risk-based capital ratio | 72.1870% | 69 |
| Total risk-based capital ratio | 72.1870% | 71 |
| Memoranda: | ||
| Average total assets | $58,106,500 | 5,870 |
| Average earning assets | $47,215,250 | 6,026 |
| Average equity | $17,544,750 | 3,522 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3773% | 6,777 |
| Cost of funding earning assets | 0.0042% | 6,917 |
| Net interest margin | 2.3731% | 6,574 |
| Noninterest income to average assets | 8.8299% | 77 |
| Noninterest expense to average assets | 2.6071% | 4,355 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 5.1271% | 41 |
| Return on assets (ROA) | 5.1271% | 42 |
| Pretax return on assets | 8.1363% | 31 |
| Return on Equity (ROE) | 16.4673% | 607 |
| Retained earnings to average equity (ytd only) | -14.9066% | 6,759 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.1478% | 6,914 |
| Assets per employee ($millions) | 17.3597% | 61 |
| Cash dividends to net income (ytd only)* | 190.5229% | 106 |
| 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 | 0.9601% | 6,934 |
| Equity capital to assets | 26.1699% | 81 |
| Core capital (leverage) ratio | 23.7023% | 97 |
| Tier 1 risk-based capital ratio | 69.5283% | 73 |
| Total risk-based capital ratio | 69.5283% | 74 |
| Memoranda: | ||
| Average total assets | $59,683,330 | 5,860 |
| Average earning assets | $48,122,000 | 6,039 |
| Average equity | $18,582,330 | 3,386 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3484% | 6,851 |
| Cost of funding earning assets | 0.0079% | 6,990 |
| Net interest margin | 2.3405% | 6,654 |
| Noninterest income to average assets | 8.0333% | 89 |
| Noninterest expense to average assets | 2.6085% | 4,378 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 4.5932% | 45 |
| Return on assets (ROA) | 4.5932% | 49 |
| Pretax return on assets | 7.2899% | 40 |
| Return on Equity (ROE) | 13.8468% | 988 |
| Retained earnings to average equity (ytd only) | 13.8468% | 465 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.1700% | 6,982 |
| Assets per employee ($millions) | 20.3023% | 54 |
| 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 | 0.8209% | 7,012 |
| Equity capital to assets | 35.0600% | 52 |
| Core capital (leverage) ratio | 32.7673% | 57 |
| Tier 1 risk-based capital ratio | 112.5126% | 42 |
| Total risk-based capital ratio | 112.5126% | 42 |
| Memoranda: | ||
| Average total assets | $63,485,500 | 5,821 |
| Average earning assets | $50,587,000 | 6,027 |
| Average equity | $21,059,000 | 3,124 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6838% | 6,884 |
| Cost of funding earning assets | 0.4588% | 5,512 |
| Net interest margin | 2.2250% | 6,872 |
| Noninterest income to average assets | 0.5553% | 3,539 |
| Noninterest expense to average assets | 1.7698% | 6,662 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6234% | 4,124 |
| Return on assets (ROA) | 2.0911% | 338 |
| Pretax return on assets | 3.2645% | 120 |
| Return on Equity (ROE) | 9.9724% | 2,179 |
| Retained earnings to average equity (ytd only) | -60.8969% | 7,037 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8081% | 4,923 |
| Assets per employee ($millions) | 16.5160% | 75 |
| Cash dividends to net income (ytd only)* | 710.6527% | 21 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.7568% | 7,078 |
| Equity capital to assets | 31.4301% | 62 |
| Core capital (leverage) ratio | 28.9575% | 64 |
| Tier 1 risk-based capital ratio | 60.1758% | 97 |
| Total risk-based capital ratio | 60.1758% | 98 |
| Memoranda: | ||
| Average total assets | $959,780,600 | 685 |
| Average earning assets | $942,772,200 | 630 |
| Average equity | $201,254,800 | 374 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8052% | 6,971 |
| Cost of funding earning assets | 0.4921% | 5,491 |
| Net interest margin | 2.3131% | 6,940 |
| Noninterest income to average assets | 0.4573% | 4,230 |
| Noninterest expense to average assets | 1.8161% | 6,661 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5573% | 4,586 |
| Return on assets (ROA) | 2.0410% | 405 |
| Pretax return on assets | 3.2370% | 126 |
| Return on Equity (ROE) | 9.8015% | 2,444 |
| Retained earnings to average equity (ytd only) | 9.8015% | 966 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7863% | 4,485 |
| Assets per employee ($millions) | 71.5240% | 23 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.9813% | 7,153 |
| Equity capital to assets | 69.9905% | 31 |
| Core capital (leverage) ratio | 70.0431% | 28 |
| Tier 1 risk-based capital ratio | 183.8483% | 36 |
| Total risk-based capital ratio | 183.8483% | 36 |
| Memoranda: | ||
| Average total assets | $1,183,209,750 | 562 |
| Average earning assets | $1,165,112,750 | 512 |
| Average equity | $246,377,500 | 318 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1694% | 6,895 |
| Cost of funding earning assets | 0.5899% | 4,987 |
| Net interest margin | 2.5795% | 6,838 |
| Noninterest income to average assets | 0.3893% | 4,731 |
| Noninterest expense to average assets | 2.1504% | 6,121 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4675% | 4,965 |
| Return on assets (ROA) | 2.2730% | 284 |
| Pretax return on assets | 3.6052% | 100 |
| Return on Equity (ROE) | 13.5267% | 1,228 |
| Retained earnings to average equity (ytd only) | 13.5267% | 385 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8152% | 3,275 |
| Assets per employee ($millions) | 13.1886% | 111 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 14.0413% | 7,219 |
| Equity capital to assets | 69.7554% | 30 |
| Core capital (leverage) ratio | 69.7514% | 28 |
| Tier 1 risk-based capital ratio | 183.9757% | 30 |
| Total risk-based capital ratio | 183.9757% | 30 |
| Memoranda: | ||
| Average total assets | $1,458,406,330 | 459 |
| Average earning assets | $1,438,943,670 | 423 |
| Average equity | $245,070,000 | 317 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1960% | 6,946 |
| Cost of funding earning assets | 0.5198% | 5,682 |
| Net interest margin | 2.6762% | 6,802 |
| Noninterest income to average assets | 0.3137% | 5,371 |
| Noninterest expense to average assets | 0.7996% | 7,274 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3626% | 1,291 |
| Return on assets (ROA) | 1.3306% | 1,534 |
| Pretax return on assets | 2.1103% | 622 |
| Return on Equity (ROE) | 10.9857% | 2,024 |
| Retained earnings to average equity (ytd only) | 10.9857% | 1,031 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.6779% | 7,249 |
| Assets per employee ($millions) | 62.2812% | 28 |
| 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 | 84.6225% | 4,201 |
| Equity capital to assets | 12.4433% | 1,758 |
| Core capital (leverage) ratio | 10.2548% | 3,047 |
| Tier 1 risk-based capital ratio | 30.0212% | 519 |
| Total risk-based capital ratio | 30.0212% | 573 |
| Memoranda: | ||
| Average total assets | $2,009,563,000 | 355 |
| Average earning assets | $1,987,007,500 | 314 |
| Average equity | $243,408,000 | 314 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 7,015 |
| Cost of funding earning assets | 0.5714% | 6,229 |
| Net interest margin | 2.8894% | 6,708 |
| Noninterest income to average assets | 0.3145% | 5,295 |
| Noninterest expense to average assets | 0.5748% | 7,323 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.6469% | 606 |
| Return on assets (ROA) | 1.6458% | 651 |
| Pretax return on assets | 2.5922% | 181 |
| Return on Equity (ROE) | 14.7103% | 798 |
| Retained earnings to average equity (ytd only) | -3.1996% | 6,295 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.8252% | 7,338 |
| Assets per employee ($millions) | 88.0925% | 23 |
| Cash dividends to net income (ytd only)* | 121.7508% | 208 |
| 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 | 85.6440% | 3,516 |
| Equity capital to assets | 11.7871% | 2,277 |
| Core capital (leverage) ratio | 9.7129% | 3,729 |
| Tier 1 risk-based capital ratio | 27.1394% | 704 |
| Total risk-based capital ratio | 27.1394% | 775 |
| Memoranda: | ||
| Average total assets | $1,996,188,400 | 349 |
| Average earning assets | $1,971,868,800 | 310 |
| Average equity | $223,340,600 | 319 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5511% | 7,060 |
| Cost of funding earning assets | 0.5842% | 6,360 |
| Net interest margin | 2.9669% | 6,641 |
| Noninterest income to average assets | 0.3312% | 5,215 |
| Noninterest expense to average assets | 0.5845% | 7,407 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.6877% | 652 |
| Return on assets (ROA) | 1.6863% | 716 |
| Pretax return on assets | 2.6748% | 183 |
| Return on Equity (ROE) | 15.2806% | 792 |
| Retained earnings to average equity (ytd only) | -9.0197% | 6,817 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.6130% | 7,411 |
| Assets per employee ($millions) | 81.0523% | 24 |
| Cash dividends to net income (ytd only)* | 159.0268% | 101 |
| 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 | 84.4875% | 4,014 |
| Equity capital to assets | 11.9320% | 2,306 |
| Core capital (leverage) ratio | 9.7269% | 3,809 |
| Tier 1 risk-based capital ratio | 26.2484% | 808 |
| Total risk-based capital ratio | 26.2484% | 903 |
| Memoranda: | ||
| Average total assets | $1,988,703,750 | 353 |
| Average earning assets | $1,964,110,500 | 315 |
| Average equity | $219,470,500 | 328 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5884% | 7,105 |
| Cost of funding earning assets | 0.5849% | 6,523 |
| Net interest margin | 3.0034% | 6,602 |
| Noninterest income to average assets | 0.3338% | 5,222 |
| Noninterest expense to average assets | 0.6341% | 7,483 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.6812% | 624 |
| Return on assets (ROA) | 1.6791% | 671 |
| Pretax return on assets | 2.6632% | 196 |
| Return on Equity (ROE) | 15.6259% | 707 |
| Retained earnings to average equity (ytd only) | -21.5388% | 7,152 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.9098% | 7,481 |
| Assets per employee ($millions) | 65.9840% | 27 |
| Cash dividends to net income (ytd only)* | 237.8404% | 69 |
| 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 | 86.2832% | 3,168 |
| Equity capital to assets | 10.8319% | 3,150 |
| Core capital (leverage) ratio | 9.0451% | 4,651 |
| Tier 1 risk-based capital ratio | 24.2806% | 976 |
| Total risk-based capital ratio | 24.2806% | 1,098 |
| Memoranda: | ||
| Average total assets | $2,003,186,670 | 351 |
| Average earning assets | $1,978,658,000 | 318 |
| Average equity | $215,258,330 | 334 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5756% | 7,155 |
| Cost of funding earning assets | 0.5833% | 6,679 |
| Net interest margin | 2.9923% | 6,590 |
| Noninterest income to average assets | 0.3281% | 5,283 |
| Noninterest expense to average assets | 0.6487% | 7,544 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.6612% | 606 |
| Return on assets (ROA) | 1.6605% | 641 |
| Pretax return on assets | 2.6336% | 212 |
| Return on Equity (ROE) | 15.5139% | 736 |
| Retained earnings to average equity (ytd only) | -58.6709% | 7,422 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.4559% | 7,533 |
| Assets per employee ($millions) | 73.8729% | 25 |
| Cash dividends to net income (ytd only)* | 478.1829% | 41 |
| 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 | 80.4966% | 5,815 |
| Equity capital to assets | 9.9428% | 3,849 |
| Core capital (leverage) ratio | 8.4758% | 5,504 |
| Tier 1 risk-based capital ratio | 22.0409% | 1,220 |
| Total risk-based capital ratio | 22.0409% | 1,413 |
| Memoranda: | ||
| Average total assets | $2,015,019,500 | 349 |
| Average earning assets | $1,990,046,500 | 317 |
| Average equity | $215,677,500 | 334 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4244% | 7,410 |
| Cost of funding earning assets | 0.6332% | 7,052 |
| Net interest margin | 2.7913% | 7,039 |
| Noninterest income to average assets | 0.3103% | 5,584 |
| Noninterest expense to average assets | 0.7344% | 7,602 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.4684% | 823 |
| Return on assets (ROA) | 1.4842% | 855 |
| Pretax return on assets | 2.3534% | 235 |
| Return on Equity (ROE) | 12.9190% | 1,107 |
| Retained earnings to average equity (ytd only) | 12.9190% | 213 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.6407% | 7,614 |
| Assets per employee ($millions) | 52.1916% | 30 |
| 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 | 86.3302% | 3,180 |
| Equity capital to assets | 11.4489% | 2,305 |
| Core capital (leverage) ratio | 9.9185% | 3,183 |
| Tier 1 risk-based capital ratio | 26.9840% | 673 |
| Total risk-based capital ratio | 26.9840% | 755 |
| Memoranda: | ||
| Average total assets | $1,947,870,600 | 357 |
| Average earning assets | $1,920,962,600 | 326 |
| Average equity | $223,786,800 | 317 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3971% | 7,560 |
| Cost of funding earning assets | 0.6457% | 7,192 |
| Net interest margin | 2.7514% | 7,179 |
| Noninterest income to average assets | 0.3135% | 5,644 |
| Noninterest expense to average assets | 0.7372% | 7,717 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.4427% | 1,036 |
| Return on assets (ROA) | 1.4640% | 1,068 |
| Pretax return on assets | 2.3220% | 321 |
| Return on Equity (ROE) | 12.7314% | 1,334 |
| Retained earnings to average equity (ytd only) | 12.7314% | 376 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.0202% | 7,712 |
| Assets per employee ($millions) | 52.3851% | 29 |
| 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 | 83.1707% | 4,521 |
| Equity capital to assets | 11.4860% | 2,544 |
| Core capital (leverage) ratio | 9.3565% | 4,124 |
| Tier 1 risk-based capital ratio | 27.1122% | 685 |
| Total risk-based capital ratio | 27.1122% | 770 |
| Memoranda: | ||
| Average total assets | $1,925,970,250 | 359 |
| Average earning assets | $1,898,668,500 | 327 |
| Average equity | $221,473,500 | 314 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4076% | 7,637 |
| Cost of funding earning assets | 0.6653% | 7,267 |
| Net interest margin | 2.7423% | 7,208 |
| Noninterest income to average assets | 0.3206% | 5,595 |
| Noninterest expense to average assets | 0.7813% | 7,791 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.4123% | 1,075 |
| Return on assets (ROA) | 1.4455% | 1,067 |
| Pretax return on assets | 2.2927% | 344 |
| Return on Equity (ROE) | 12.5651% | 1,336 |
| Retained earnings to average equity (ytd only) | 12.5651% | 427 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.4992% | 7,773 |
| Assets per employee ($millions) | 46.5838% | 33 |
| 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 | 84.0513% | 4,084 |
| Equity capital to assets | 11.8170% | 2,212 |
| Core capital (leverage) ratio | 9.6243% | 3,651 |
| Tier 1 risk-based capital ratio | 27.8652% | 642 |
| Total risk-based capital ratio | 27.8652% | 716 |
| Memoranda: | ||
| Average total assets | $1,869,492,000 | 373 |
| Average earning assets | $1,841,610,670 | 335 |
| Average equity | $215,072,000 | 319 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4084% | 7,731 |
| Cost of funding earning assets | 0.6740% | 7,387 |
| Net interest margin | 2.7344% | 7,261 |
| Noninterest income to average assets | 0.3310% | 5,495 |
| Noninterest expense to average assets | 0.7665% | 7,895 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.4220% | 1,032 |
| Return on assets (ROA) | 1.4217% | 1,104 |
| Pretax return on assets | 2.2550% | 382 |
| Return on Equity (ROE) | 12.5407% | 1,365 |
| Retained earnings to average equity (ytd only) | 12.5407% | 678 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.0018% | 7,881 |
| Assets per employee ($millions) | 44.4317% | 36 |
| 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 | 84.9236% | 3,711 |
| Equity capital to assets | 11.4287% | 2,419 |
| Core capital (leverage) ratio | 9.6225% | 3,616 |
| Tier 1 risk-based capital ratio | 25.5405% | 810 |
| Total risk-based capital ratio | 25.5405% | 917 |
| Memoranda: | ||
| Average total assets | $1,825,977,500 | 391 |
| Average earning assets | $1,796,960,000 | 358 |
| Average equity | $207,006,500 | 337 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 7,720 |
| Cost of funding earning assets | 0.8256% | 7,516 |
| Net interest margin | 3.1136% | 6,336 |
| Noninterest income to average assets | 0.3486% | 5,601 |
| Noninterest expense to average assets | 0.7270% | 7,971 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.6185% | 523 |
| Return on assets (ROA) | 1.6604% | 512 |
| Pretax return on assets | 2.6475% | 134 |
| Return on Equity (ROE) | 16.6816% | 488 |
| Retained earnings to average equity (ytd only) | 16.6816% | 65 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.6235% | 7,975 |
| Assets per employee ($millions) | 54.1158% | 35 |
| 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 | 85.5568% | 3,253 |
| Equity capital to assets | 11.2406% | 2,504 |
| Core capital (leverage) ratio | 9.6384% | 3,536 |
| Tier 1 risk-based capital ratio | 24.0055% | 949 |
| Total risk-based capital ratio | 24.0055% | 1,047 |
| Memoranda: | ||
| Average total assets | $1,748,121,600 | 404 |
| Average earning assets | $1,662,217,400 | 389 |
| Average equity | $173,994,200 | 396 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0324% | 7,792 |
| Cost of funding earning assets | 0.8393% | 7,641 |
| Net interest margin | 3.1930% | 6,050 |
| Noninterest income to average assets | 0.3799% | 5,479 |
| Noninterest expense to average assets | 0.7706% | 8,059 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.6495% | 606 |
| Return on assets (ROA) | 1.6950% | 596 |
| Pretax return on assets | 2.6884% | 146 |
| Return on Equity (ROE) | 17.6149% | 491 |
| Retained earnings to average equity (ytd only) | 17.6149% | 92 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.4066% | 8,048 |
| Assets per employee ($millions) | 52.1481% | 36 |
| 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 | 85.5526% | 2,943 |
| Equity capital to assets | 11.1506% | 2,875 |
| Core capital (leverage) ratio | 9.3308% | 4,140 |
| Tier 1 risk-based capital ratio | 24.0148% | 999 |
| Total risk-based capital ratio | 24.0148% | 1,110 |
| Memoranda: | ||
| Average total assets | $1,738,696,500 | 419 |
| Average earning assets | $1,637,906,500 | 405 |
| Average equity | $167,308,250 | 418 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1970% | 7,826 |
| Cost of funding earning assets | 0.8594% | 7,743 |
| Net interest margin | 3.3377% | 5,410 |
| Noninterest income to average assets | 0.4064% | 5,230 |
| Noninterest expense to average assets | 0.6510% | 8,157 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.8004% | 466 |
| Return on assets (ROA) | 1.8692% | 432 |
| Pretax return on assets | 2.9646% | 105 |
| Return on Equity (ROE) | 20.5413% | 301 |
| Retained earnings to average equity (ytd only) | 20.5413% | 68 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.2262% | 8,147 |
| Assets per employee ($millions) | 42.4038% | 39 |
| 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 | 85.0379% | 3,244 |
| Equity capital to assets | 10.9232% | 2,996 |
| Core capital (leverage) ratio | 9.7588% | 3,565 |
| Tier 1 risk-based capital ratio | 25.2641% | 917 |
| Total risk-based capital ratio | 25.2641% | 1,011 |
| Memoranda: | ||
| Average total assets | $1,727,249,670 | 429 |
| Average earning assets | $1,605,137,670 | 417 |
| Average equity | $157,176,330 | 455 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 7,899 |
| Cost of funding earning assets | 0.8734% | 7,840 |
| Net interest margin | 3.3432% | 5,351 |
| Noninterest income to average assets | 0.4631% | 4,648 |
| Noninterest expense to average assets | 0.4638% | 8,219 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9023% | 427 |
| Return on assets (ROA) | 2.0336% | 376 |
| Pretax return on assets | 3.2254% | 100 |
| Return on Equity (ROE) | 24.5697% | 204 |
| Retained earnings to average equity (ytd only) | 24.5697% | 92 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.9912% | 8,204 |
| Assets per employee ($millions) | 38.7722% | 46 |
| 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 | 83.1635% | 4,063 |
| Equity capital to assets | 9.7153% | 4,358 |
| Core capital (leverage) ratio | 9.1121% | 4,535 |
| Tier 1 risk-based capital ratio | 25.9886% | 893 |
| Total risk-based capital ratio | 25.9886% | 982 |
| Memoranda: | ||
| Average total assets | $1,785,201,500 | 414 |
| Average earning assets | $1,613,047,000 | 416 |
| Average equity | $147,759,000 | 478 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3943% | 8,050 |
| Cost of funding earning assets | 1.1027% | 8,004 |
| Net interest margin | 3.2916% | 6,068 |
| Noninterest income to average assets | 0.2717% | 6,507 |
| Noninterest expense to average assets | 0.5407% | 8,256 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.8644% | 470 |
| Return on assets (ROA) | 1.9049% | 412 |
| Pretax return on assets | 2.9134% | 104 |
| Return on Equity (ROE) | 24.4104% | 160 |
| Retained earnings to average equity (ytd only) | 24.4104% | 17 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.3810% | 8,270 |
| Assets per employee ($millions) | 46.2374% | 36 |
| 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 | 85.5452% | 2,607 |
| Equity capital to assets | 7.0707% | 7,701 |
| Core capital (leverage) ratio | 7.0854% | 7,626 |
| Tier 1 risk-based capital ratio | 23.2534% | 1,160 |
| Total risk-based capital ratio | 23.2534% | 1,285 |
| Memoranda: | ||
| Average total assets | $1,578,157,800 | 444 |
| Average earning assets | $1,495,911,000 | 426 |
| Average equity | $123,156,600 | 550 |
| Average total loans | NA | NA |