Home > AMERIPRISE BANK, FSB > Performance and Condition Ratios
AMERIPRISE BANK, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8877% | 2,305 |
| Cost of funding earning assets | 0.3994% | 4,297 |
| Net interest margin | 4.4883% | 628 |
| Noninterest income to average assets | 0.0700% | 4,379 |
| Noninterest expense to average assets | 0.4082% | 4,541 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 3.0509% | 154 |
| Return on assets (ROA) | 3.0509% | 152 |
| Pretax return on assets | 4.0345% | 115 |
| Return on Equity (ROE) | 82.8500% | 19 |
| Retained earnings to average equity (ytd only) | 22.1384% | 103 |
| Net charge-offs to loans | 0.2313% | 469 |
| Credit loss provision to net charge-offs | 290.8493% | 975 |
| Earnings coverage of net charge-offs (x) | 436.2720% | 324 |
| Efficiency ratio | 9.0294% | 4,549 |
| Assets per employee ($millions) | 152.6629% | 14 |
| Cash dividends to net income (ytd only)* | 73.2805% | 749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9384% | 3,571 |
| Loan loss allowance to noncurrent loans | 577.0820% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 3,753 |
| Noncurrent loans to loans | 0.1626% | 2,708 |
| Net loans and leases to total assets | 4.1800% | 4,466 |
| Net loans and leases to deposits | 4.3891% | 4,468 |
| Net loans and leases to core deposits | 4.3891% | 4,487 |
| Total domestic deposits to total assets | 95.1600% | 56 |
| Equity capital to assets | 4.6163% | 4,454 |
| Core capital (leverage) ratio | 7.4417% | 4,465 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 31.8892% | 221 |
| Memoranda: | ||
| Average total assets | $21,246,311,200 | 90 |
| Average earning assets | $20,815,935,800 | 84 |
| Average equity | $782,324,800 | 199 |
| Average total loans | $855,177,600 | 822 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8240% | 2,215 |
| Cost of funding earning assets | 0.3756% | 4,280 |
| Net interest margin | 4.4484% | 665 |
| Noninterest income to average assets | 0.0700% | 4,402 |
| Noninterest expense to average assets | 0.4101% | 4,564 |
| Loan and lease loss provision to assets | 0.0200% | 2,562 |
| Net operating income to assets | 3.0423% | 170 |
| Return on assets (ROA) | 3.0423% | 172 |
| Pretax return on assets | 3.9895% | 133 |
| Return on Equity (ROE) | 88.7000% | 22 |
| Retained earnings to average equity (ytd only) | 32.9258% | 67 |
| Net charge-offs to loans | 0.2131% | 411 |
| Credit loss provision to net charge-offs | 291.4157% | 905 |
| Earnings coverage of net charge-offs (x) | 474.0354% | 321 |
| Efficiency ratio | 9.1646% | 4,577 |
| Assets per employee ($millions) | 147.5457% | 14 |
| Cash dividends to net income (ytd only)* | 62.8798% | 852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 3,823 |
| Loan loss allowance to noncurrent loans | 600.1558% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.0059% | 3,807 |
| Noncurrent loans to loans | 0.1449% | 2,826 |
| Net loans and leases to total assets | 4.0500% | 4,492 |
| Net loans and leases to deposits | 4.1894% | 4,494 |
| Net loans and leases to core deposits | 4.1940% | 4,477 |
| Total domestic deposits to total assets | 96.6900% | 57 |
| Equity capital to assets | 2.8413% | 4,501 |
| Core capital (leverage) ratio | 7.5307% | 4,492 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2767% | 266 |
| Memoranda: | ||
| Average total assets | $20,909,363,250 | 92 |
| Average earning assets | $20,466,275,750 | 87 |
| Average equity | $717,154,750 | 209 |
| Average total loans | $830,817,250 | 839 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6619% | 2,282 |
| Cost of funding earning assets | 0.3597% | 4,228 |
| Net interest margin | 4.3022% | 802 |
| Noninterest income to average assets | 0.0700% | 4,429 |
| Noninterest expense to average assets | 0.4198% | 4,595 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 2.9268% | 162 |
| Return on assets (ROA) | 2.9268% | 159 |
| Pretax return on assets | 3.8379% | 119 |
| Return on Equity (ROE) | 80.5000% | 28 |
| Retained earnings to average equity (ytd only) | 40.5391% | 50 |
| Net charge-offs to loans | 0.2043% | 391 |
| Credit loss provision to net charge-offs | 331.8072% | 809 |
| Earnings coverage of net charge-offs (x) | 480.7265% | 307 |
| Efficiency ratio | 9.6884% | 4,600 |
| Assets per employee ($millions) | 148.8826% | 13 |
| Cash dividends to net income (ytd only)* | 49.6391% | 1,299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8605% | 3,874 |
| Loan loss allowance to noncurrent loans | 868.6275% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.0037% | 3,848 |
| Noncurrent loans to loans | 0.0991% | 2,996 |
| Net loans and leases to total assets | 3.7300% | 4,524 |
| Net loans and leases to deposits | 3.9012% | 4,525 |
| Net loans and leases to core deposits | 3.9054% | 4,510 |
| Total domestic deposits to total assets | 95.6500% | 67 |
| Equity capital to assets | 3.5022% | 4,545 |
| Core capital (leverage) ratio | 7.4820% | 4,526 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.7508% | 247 |
| Memoranda: | ||
| Average total assets | $20,649,412,000 | 90 |
| Average earning assets | $20,230,404,000 | 86 |
| Average equity | $750,786,667 | 200 |
| Average total loans | $812,332,000 | 836 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 2,525 |
| Cost of funding earning assets | 0.3457% | 4,088 |
| Net interest margin | 4.0645% | 1,151 |
| Noninterest income to average assets | 0.0700% | 4,475 |
| Noninterest expense to average assets | 0.4330% | 4,666 |
| Loan and lease loss provision to assets | 0.0400% | 1,925 |
| Net operating income to assets | 2.7299% | 199 |
| Return on assets (ROA) | 2.7299% | 195 |
| Pretax return on assets | 3.5790% | 132 |
| Return on Equity (ROE) | 73.6000% | 35 |
| Retained earnings to average equity (ytd only) | 73.6035% | 20 |
| Net charge-offs to loans | 0.1959% | 371 |
| Credit loss provision to net charge-offs | 483.7975% | 564 |
| Earnings coverage of net charge-offs (x) | 458.5899% | 249 |
| Efficiency ratio | 10.5702% | 4,666 |
| Assets per employee ($millions) | 146.4263% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8366% | 4,016 |
| Loan loss allowance to noncurrent loans | 1,317.5542% | 802 |
| Noncurrent assets plus other real estate owned to assets | 0.0024% | 3,895 |
| Noncurrent loans to loans | 0.0635% | 3,278 |
| Net loans and leases to total assets | 3.7600% | 4,596 |
| Net loans and leases to deposits | 3.9572% | 4,598 |
| Net loans and leases to core deposits | 3.9572% | 4,582 |
| Total domestic deposits to total assets | 94.8900% | 99 |
| Equity capital to assets | 4.1225% | 4,534 |
| Core capital (leverage) ratio | 8.0296% | 4,417 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.0314% | 229 |
| Memoranda: | ||
| Average total assets | $20,031,248,000 | 95 |
| Average earning assets | $19,623,747,000 | 92 |
| Average equity | $742,938,000 | 207 |
| Average total loans | $806,631,500 | 852 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7618% | 4,360 |
| Cost of funding earning assets | 0.1165% | 4,306 |
| Net interest margin | 2.6452% | 4,119 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 0.4251% | 4,692 |
| Loan and lease loss provision to assets | 0.0200% | 2,518 |
| Net operating income to assets | 1.7127% | 528 |
| Return on assets (ROA) | 1.7132% | 500 |
| Pretax return on assets | 2.2456% | 292 |
| Return on Equity (ROE) | 44.8400% | 40 |
| Retained earnings to average equity (ytd only) | 44.8358% | 15 |
| Net charge-offs to loans | 0.1659% | 506 |
| Credit loss provision to net charge-offs | 245.2066% | 1,007 |
| Earnings coverage of net charge-offs (x) | 306.4860% | 480 |
| Efficiency ratio | 15.5926% | 4,698 |
| Assets per employee ($millions) | 149.4261% | 13 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6338% | 4,303 |
| Loan loss allowance to noncurrent loans | 1,026.6402% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 3,917 |
| Noncurrent loans to loans | 0.0617% | 3,307 |
| Net loans and leases to total assets | 4.2700% | 4,624 |
| Net loans and leases to deposits | 4.4231% | 4,626 |
| Net loans and leases to core deposits | 4.4231% | 4,610 |
| Total domestic deposits to total assets | 96.4600% | 66 |
| Equity capital to assets | 3.2493% | 4,587 |
| Core capital (leverage) ratio | 7.7167% | 4,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.2634% | 231 |
| Memoranda: | ||
| Average total assets | $16,386,971,000 | 116 |
| Average earning assets | $16,115,930,600 | 107 |
| Average equity | $626,158,000 | 230 |
| Average total loans | $729,260,600 | 874 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1841% | 4,567 |
| Cost of funding earning assets | 0.0517% | 4,573 |
| Net interest margin | 2.1323% | 4,502 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 0.4386% | 4,733 |
| Loan and lease loss provision to assets | 0.0200% | 2,326 |
| Net operating income to assets | 1.3250% | 1,279 |
| Return on assets (ROA) | 1.3256% | 1,250 |
| Pretax return on assets | 1.7371% | 831 |
| Return on Equity (ROE) | 33.2000% | 73 |
| Retained earnings to average equity (ytd only) | 33.1959% | 28 |
| Net charge-offs to loans | 0.1706% | 389 |
| Credit loss provision to net charge-offs | 209.4923% | 957 |
| Earnings coverage of net charge-offs (x) | 228.3146% | 579 |
| Efficiency ratio | 19.7367% | 4,724 |
| Assets per employee ($millions) | 146.2307% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5569% | 4,421 |
| Loan loss allowance to noncurrent loans | 1,788.2114% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0013% | 4,025 |
| Noncurrent loans to loans | 0.0311% | 3,675 |
| Net loans and leases to total assets | 4.1000% | 4,669 |
| Net loans and leases to deposits | 4.2247% | 4,672 |
| Net loans and leases to core deposits | 4.2247% | 4,656 |
| Total domestic deposits to total assets | 97.0600% | 79 |
| Equity capital to assets | 2.0972% | 4,657 |
| Core capital (leverage) ratio | 7.3813% | 4,603 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.8627% | 290 |
| Memoranda: | ||
| Average total assets | $15,739,435,250 | 120 |
| Average earning assets | $15,506,386,500 | 110 |
| Average equity | $628,540,250 | 231 |
| Average total loans | $707,869,250 | 890 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6591% | 4,687 |
| Cost of funding earning assets | 0.0167% | 4,726 |
| Net interest margin | 1.6424% | 4,667 |
| Noninterest income to average assets | 0.0909% | 4,524 |
| Noninterest expense to average assets | 0.4449% | 4,756 |
| Loan and lease loss provision to assets | 0.0138% | 2,349 |
| Net operating income to assets | 0.9587% | 2,320 |
| Return on assets (ROA) | 0.9597% | 2,292 |
| Pretax return on assets | 1.2571% | 1,880 |
| Return on Equity (ROE) | 19.9000% | 312 |
| Retained earnings to average equity (ytd only) | 19.9000% | 77 |
| Net charge-offs to loans | 0.1493% | 431 |
| Credit loss provision to net charge-offs | 198.0315% | 976 |
| Earnings coverage of net charge-offs (x) | 182.4409% | 569 |
| Efficiency ratio | 25.5615% | 4,736 |
| Assets per employee ($millions) | 138.0667% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5082% | 4,544 |
| Loan loss allowance to noncurrent loans | 1,106.2323% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 4,051 |
| Noncurrent loans to loans | 0.0459% | 3,603 |
| Net loans and leases to total assets | 4.4653% | 4,729 |
| Net loans and leases to deposits | 4.9254% | 4,734 |
| Net loans and leases to core deposits | 4.9254% | 4,724 |
| Total domestic deposits to total assets | 90.6585% | 1,397 |
| Equity capital to assets | 3.4357% | 4,670 |
| Core capital (leverage) ratio | 7.6763% | 4,495 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.6225% | 277 |
| Memoranda: | ||
| Average total assets | $14,600,506,333 | 129 |
| Average earning assets | $14,432,517,333 | 123 |
| Average equity | $704,142,000 | 209 |
| Average total loans | $680,513,000 | 914 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3829% | 4,731 |
| Cost of funding earning assets | 0.0167% | 4,743 |
| Net interest margin | 1.3662% | 4,715 |
| Noninterest income to average assets | 0.0995% | 4,513 |
| Noninterest expense to average assets | 0.4575% | 4,780 |
| Loan and lease loss provision to assets | 0.0093% | 2,152 |
| Net operating income to assets | 0.7547% | 2,830 |
| Return on assets (ROA) | 0.7570% | 2,818 |
| Pretax return on assets | 0.9899% | 2,464 |
| Return on Equity (ROE) | 13.2516% | 988 |
| Retained earnings to average equity (ytd only) | 13.2516% | 444 |
| Net charge-offs to loans | 0.1621% | 367 |
| Credit loss provision to net charge-offs | 119.7674% | 937 |
| Earnings coverage of net charge-offs (x) | 128.7829% | 587 |
| Efficiency ratio | 30.9718% | 4,733 |
| Assets per employee ($millions) | 117.4216% | 14 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5237% | 4,566 |
| Loan loss allowance to noncurrent loans | 1,239.4265% | 782 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 4,097 |
| Noncurrent loans to loans | 0.0423% | 3,677 |
| Net loans and leases to total assets | 4.6228% | 4,757 |
| Net loans and leases to deposits | 4.9669% | 4,760 |
| Net loans and leases to core deposits | 4.9669% | 4,750 |
| Total domestic deposits to total assets | 93.0720% | 256 |
| Equity capital to assets | 4.7690% | 4,740 |
| Core capital (leverage) ratio | 7.3122% | 4,618 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.0522% | 239 |
| Memoranda: | ||
| Average total assets | $13,340,624,000 | 134 |
| Average earning assets | $13,223,714,000 | 130 |
| Average equity | $762,113,500 | 202 |
| Average total loans | $636,583,000 | 965 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2407% | 4,769 |
| Cost of funding earning assets | 0.0163% | 4,780 |
| Net interest margin | 1.2244% | 4,755 |
| Noninterest income to average assets | 0.1468% | 4,422 |
| Noninterest expense to average assets | 0.5252% | 4,807 |
| Loan and lease loss provision to assets | 0.0150% | 2,780 |
| Net operating income to assets | 0.6297% | 3,808 |
| Return on assets (ROA) | 0.6664% | 3,761 |
| Pretax return on assets | 0.8706% | 3,565 |
| Return on Equity (ROE) | 8.9270% | 2,941 |
| Retained earnings to average equity (ytd only) | 8.9270% | 1,223 |
| Net charge-offs to loans | 0.3017% | 286 |
| Credit loss provision to net charge-offs | 106.9801% | 1,734 |
| Earnings coverage of net charge-offs (x) | 59.6859% | 1,179 |
| Efficiency ratio | 37.7815% | 4,728 |
| Assets per employee ($millions) | 125.9923% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5559% | 4,578 |
| Loan loss allowance to noncurrent loans | 1,106.1688% | 816 |
| Noncurrent assets plus other real estate owned to assets | 0.0025% | 4,173 |
| Noncurrent loans to loans | 0.0503% | 3,721 |
| Net loans and leases to total assets | 4.8864% | 4,799 |
| Net loans and leases to deposits | 5.3365% | 4,802 |
| Net loans and leases to core deposits | 5.3365% | 4,792 |
| Total domestic deposits to total assets | 91.5660% | 293 |
| Equity capital to assets | 6.7877% | 4,752 |
| Core capital (leverage) ratio | 7.2397% | 4,698 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.6047% | 248 |
| Memoranda: | ||
| Average total assets | $9,986,139,000 | 161 |
| Average earning assets | $9,930,194,000 | 153 |
| Average equity | $745,472,000 | 205 |
| Average total loans | $465,393,600 | 1,229 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2386% | 4,851 |
| Cost of funding earning assets | 0.0162% | 4,866 |
| Net interest margin | 1.2223% | 4,838 |
| Noninterest income to average assets | 0.1557% | 4,420 |
| Noninterest expense to average assets | 0.5431% | 4,892 |
| Loan and lease loss provision to assets | 0.0140% | 2,715 |
| Net operating income to assets | 0.6189% | 3,972 |
| Return on assets (ROA) | 0.6668% | 3,906 |
| Pretax return on assets | 0.8749% | 3,749 |
| Return on Equity (ROE) | 8.6706% | 3,209 |
| Retained earnings to average equity (ytd only) | 8.6706% | 1,814 |
| Net charge-offs to loans | 0.3295% | 237 |
| Credit loss provision to net charge-offs | 92.8234% | 1,648 |
| Earnings coverage of net charge-offs (x) | 54.9263% | 1,185 |
| Efficiency ratio | 38.8504% | 4,750 |
| Assets per employee ($millions) | 114.9177% | 16 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6181% | 4,613 |
| Loan loss allowance to noncurrent loans | 988.3792% | 800 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 4,253 |
| Noncurrent loans to loans | 0.0625% | 3,784 |
| Net loans and leases to total assets | 4.8107% | 4,870 |
| Net loans and leases to deposits | 5.2929% | 4,876 |
| Net loans and leases to core deposits | 5.2929% | 4,865 |
| Total domestic deposits to total assets | 90.8887% | 403 |
| Equity capital to assets | 7.0701% | 4,800 |
| Core capital (leverage) ratio | 7.3054% | 4,750 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.8005% | 259 |
| Memoranda: | ||
| Average total assets | $9,364,364,500 | 167 |
| Average earning assets | $9,312,451,750 | 160 |
| Average equity | $720,177,250 | 211 |
| Average total loans | $428,517,500 | 1,328 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2665% | 4,886 |
| Cost of funding earning assets | 0.0163% | 4,903 |
| Net interest margin | 1.2502% | 4,874 |
| Noninterest income to average assets | 0.1756% | 4,324 |
| Noninterest expense to average assets | 0.5725% | 4,925 |
| Loan and lease loss provision to assets | 0.0149% | 2,654 |
| Net operating income to assets | 0.6327% | 3,911 |
| Return on assets (ROA) | 0.6707% | 3,892 |
| Pretax return on assets | 0.8791% | 3,706 |
| Return on Equity (ROE) | 8.4446% | 3,274 |
| Retained earnings to average equity (ytd only) | 8.4446% | 1,916 |
| Net charge-offs to loans | 0.3712% | 228 |
| Credit loss provision to net charge-offs | 89.8236% | 1,434 |
| Earnings coverage of net charge-offs (x) | 50.9932% | 1,057 |
| Efficiency ratio | 39.5925% | 4,758 |
| Assets per employee ($millions) | 98.4947% | 18 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6912% | 4,546 |
| Loan loss allowance to noncurrent loans | 1,049.6753% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.0032% | 4,307 |
| Noncurrent loans to loans | 0.0658% | 3,862 |
| Net loans and leases to total assets | 4.8125% | 4,907 |
| Net loans and leases to deposits | 5.3558% | 4,912 |
| Net loans and leases to core deposits | 5.3558% | 4,902 |
| Total domestic deposits to total assets | 89.8554% | 839 |
| Equity capital to assets | 7.5151% | 4,734 |
| Core capital (leverage) ratio | 7.4708% | 4,725 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.4535% | 261 |
| Memoranda: | ||
| Average total assets | $8,885,063,333 | 175 |
| Average earning assets | $8,832,764,333 | 161 |
| Average equity | $705,660,000 | 211 |
| Average total loans | $397,059,333 | 1,420 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2746% | 4,922 |
| Cost of funding earning assets | 0.0163% | 4,937 |
| Net interest margin | 1.2582% | 4,904 |
| Noninterest income to average assets | 0.1482% | 4,461 |
| Noninterest expense to average assets | 0.5590% | 4,956 |
| Loan and lease loss provision to assets | -0.0026% | 4,553 |
| Net operating income to assets | 0.6418% | 3,832 |
| Return on assets (ROA) | 0.6907% | 3,799 |
| Pretax return on assets | 0.9040% | 3,586 |
| Return on Equity (ROE) | 8.4393% | 3,202 |
| Retained earnings to average equity (ytd only) | 8.4393% | 2,111 |
| Net charge-offs to loans | 0.3439% | 242 |
| Credit loss provision to net charge-offs | -17.6849% | 2,703 |
| Earnings coverage of net charge-offs (x) | 57.3698% | 844 |
| Efficiency ratio | 39.1528% | 4,770 |
| Assets per employee ($millions) | 84.2364% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7666% | 4,464 |
| Loan loss allowance to noncurrent loans | 772.4409% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,371 |
| Noncurrent loans to loans | 0.0992% | 3,808 |
| Net loans and leases to total assets | 4.3071% | 4,936 |
| Net loans and leases to deposits | 4.7701% | 4,941 |
| Net loans and leases to core deposits | 4.7701% | 4,931 |
| Total domestic deposits to total assets | 90.2942% | 670 |
| Equity capital to assets | 7.9170% | 4,536 |
| Core capital (leverage) ratio | 7.8880% | 4,620 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 30.9245% | 235 |
| Memoranda: | ||
| Average total assets | $8,501,354,000 | 179 |
| Average earning assets | $8,447,517,000 | 166 |
| Average equity | $695,792,000 | 212 |
| Average total loans | $361,711,000 | 1,518 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6127% | 4,943 |
| Cost of funding earning assets | 0.0272% | 4,965 |
| Net interest margin | 1.5855% | 4,912 |
| Noninterest income to average assets | 0.2231% | 4,162 |
| Noninterest expense to average assets | 0.6962% | 4,962 |
| Loan and lease loss provision to assets | 0.0398% | 3,906 |
| Net operating income to assets | 0.8067% | 3,067 |
| Return on assets (ROA) | 0.8418% | 3,063 |
| Pretax return on assets | 1.1063% | 2,664 |
| Return on Equity (ROE) | 11.4373% | 1,481 |
| Retained earnings to average equity (ytd only) | 11.4373% | 384 |
| Net charge-offs to loans | 1.7233% | 57 |
| Credit loss provision to net charge-offs | 99.9610% | 2,846 |
| Earnings coverage of net charge-offs (x) | 27.6673% | 1,674 |
| Efficiency ratio | 37.8869% | 4,912 |
| Assets per employee ($millions) | 74.8429% | 20 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9746% | 3,965 |
| Loan loss allowance to noncurrent loans | 953.6023% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 4,438 |
| Noncurrent loans to loans | 0.1022% | 3,884 |
| Net loans and leases to total assets | 4.1213% | 4,962 |
| Net loans and leases to deposits | 4.5392% | 4,966 |
| Net loans and leases to core deposits | 4.5392% | 4,957 |
| Total domestic deposits to total assets | 90.7943% | 281 |
| Equity capital to assets | 8.4745% | 4,461 |
| Core capital (leverage) ratio | 8.3619% | 4,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1034% | 2,894 |
| Memoranda: | ||
| Average total assets | $6,439,098,000 | 207 |
| Average earning assets | $6,395,619,800 | 190 |
| Average equity | $473,916,000 | 268 |
| Average total loans | $148,785,000 | 2,673 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6994% | 4,988 |
| Cost of funding earning assets | 0.0315% | 5,000 |
| Net interest margin | 1.6679% | 4,950 |
| Noninterest income to average assets | 0.2399% | 4,049 |
| Noninterest expense to average assets | 0.7516% | 4,997 |
| Loan and lease loss provision to assets | 0.0419% | 3,832 |
| Net operating income to assets | 0.8345% | 2,967 |
| Return on assets (ROA) | 0.8632% | 2,986 |
| Pretax return on assets | 1.1400% | 2,602 |
| Return on Equity (ROE) | 12.3638% | 1,285 |
| Retained earnings to average equity (ytd only) | 12.3638% | 386 |
| Net charge-offs to loans | 2.7681% | 34 |
| Credit loss provision to net charge-offs | 89.9000% | 2,702 |
| Earnings coverage of net charge-offs (x) | 24.5960% | 1,752 |
| Efficiency ratio | 38.7682% | 4,921 |
| Assets per employee ($millions) | 70.1109% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7995% | 166 |
| Loan loss allowance to noncurrent loans | 746.5060% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 4,493 |
| Noncurrent loans to loans | 0.3750% | 2,943 |
| Net loans and leases to total assets | 1.4752% | 4,997 |
| Net loans and leases to deposits | 1.7016% | 5,002 |
| Net loans and leases to core deposits | 1.7016% | 4,992 |
| Total domestic deposits to total assets | 86.6955% | 1,773 |
| Equity capital to assets | 7.8436% | 4,765 |
| Core capital (leverage) ratio | 8.5269% | 4,259 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.5899% | 3,011 |
| Memoranda: | ||
| Average total assets | $6,009,402,250 | 216 |
| Average earning assets | $5,970,486,750 | 197 |
| Average equity | $419,559,250 | 286 |
| Average total loans | $101,100,500 | 3,224 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8708% | 5,025 |
| Cost of funding earning assets | 0.0411% | 5,033 |
| Net interest margin | 1.8297% | 4,979 |
| Noninterest income to average assets | 0.2662% | 3,878 |
| Noninterest expense to average assets | 0.8221% | 5,029 |
| Loan and lease loss provision to assets | 0.0864% | 3,203 |
| Net operating income to assets | 0.8891% | 2,734 |
| Return on assets (ROA) | 0.9062% | 2,788 |
| Pretax return on assets | 1.1953% | 2,379 |
| Return on Equity (ROE) | 13.7168% | 935 |
| Retained earnings to average equity (ytd only) | 13.7168% | 294 |
| Net charge-offs to loans | 3.1579% | 32 |
| Credit loss provision to net charge-offs | 155.9508% | 2,102 |
| Earnings coverage of net charge-offs (x) | 22.7477% | 1,619 |
| Efficiency ratio | 38.6488% | 4,946 |
| Assets per employee ($millions) | 53.2185% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8300% | 73 |
| Loan loss allowance to noncurrent loans | 633.5357% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.0110% | 4,524 |
| Noncurrent loans to loans | 0.6045% | 2,337 |
| Net loans and leases to total assets | 1.7433% | 5,032 |
| Net loans and leases to deposits | 1.9779% | 5,035 |
| Net loans and leases to core deposits | 1.9779% | 5,024 |
| Total domestic deposits to total assets | 88.1386% | 1,112 |
| Equity capital to assets | 8.0063% | 4,712 |
| Core capital (leverage) ratio | 7.5454% | 4,900 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7109% | 2,728 |
| Memoranda: | ||
| Average total assets | $5,582,025,333 | 228 |
| Average earning assets | $5,540,112,333 | 210 |
| Average equity | $368,773,333 | 308 |
| Average total loans | $97,913,333 | 3,270 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9834% | 5,086 |
| Cost of funding earning assets | 0.0656% | 5,069 |
| Net interest margin | 1.9178% | 5,032 |
| Noninterest income to average assets | 0.2776% | 3,861 |
| Noninterest expense to average assets | 0.7506% | 5,080 |
| Loan and lease loss provision to assets | 0.0938% | 2,505 |
| Net operating income to assets | 1.0129% | 2,138 |
| Return on assets (ROA) | 1.0129% | 2,237 |
| Pretax return on assets | 1.3347% | 1,767 |
| Return on Equity (ROE) | 17.3968% | 301 |
| Retained earnings to average equity (ytd only) | 17.3968% | 98 |
| Net charge-offs to loans | 3.7633% | 35 |
| Credit loss provision to net charge-offs | 144.8792% | 1,599 |
| Earnings coverage of net charge-offs (x) | 22.0529% | 1,371 |
| Efficiency ratio | 33.6127% | 5,047 |
| Assets per employee ($millions) | 63.0862% | 21 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1588% | 65 |
| Loan loss allowance to noncurrent loans | 546.5288% | 894 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 4,596 |
| Noncurrent loans to loans | 0.7609% | 2,096 |
| Net loans and leases to total assets | 1.2873% | 5,079 |
| Net loans and leases to deposits | 1.3838% | 5,082 |
| Net loans and leases to core deposits | 1.3838% | 5,071 |
| Total domestic deposits to total assets | 93.0214% | 12 |
| Equity capital to assets | 4.8366% | 5,110 |
| Core capital (leverage) ratio | 8.5609% | 4,759 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3634% | 2,128 |
| Memoranda: | ||
| Average total assets | $5,366,193,500 | 227 |
| Average earning assets | $5,320,444,500 | 209 |
| Average equity | $312,424,500 | 348 |
| Average total loans | $92,365,500 | 3,359 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2249% | 5,137 |
| Cost of funding earning assets | 0.1224% | 5,080 |
| Net interest margin | 2.1025% | 5,079 |
| Noninterest income to average assets | 0.8248% | 1,370 |
| Noninterest expense to average assets | 1.5339% | 4,988 |
| Loan and lease loss provision to assets | 0.0606% | 2,828 |
| Net operating income to assets | 0.9907% | 2,880 |
| Return on assets (ROA) | 0.9907% | 2,961 |
| Pretax return on assets | 1.3105% | 2,474 |
| Return on Equity (ROE) | 12.5941% | 1,302 |
| Retained earnings to average equity (ytd only) | 12.5941% | 195 |
| Net charge-offs to loans | 1.8823% | 63 |
| Credit loss provision to net charge-offs | 161.1898% | 1,600 |
| Earnings coverage of net charge-offs (x) | 36.4688% | 1,396 |
| Efficiency ratio | 52.2107% | 4,587 |
| Assets per employee ($millions) | 39.5032% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4511% | 4,945 |
| Loan loss allowance to noncurrent loans | 46.4516% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 4,545 |
| Noncurrent loans to loans | 0.9712% | 1,574 |
| Net loans and leases to total assets | 2.3204% | 5,141 |
| Net loans and leases to deposits | 2.5165% | 5,146 |
| Net loans and leases to core deposits | 2.5165% | 5,135 |
| Total domestic deposits to total assets | 92.2086% | 28 |
| Equity capital to assets | 7.4111% | 5,114 |
| Core capital (leverage) ratio | 8.7515% | 4,698 |
| Tier 1 risk-based capital ratio | 16.6377% | 2,171 |
| Total risk-based capital ratio | 16.6617% | 2,545 |
| Memoranda: | ||
| Average total assets | $1,877,838,800 | 448 |
| Average earning assets | $1,857,967,200 | 417 |
| Average equity | $147,711,600 | 634 |
| Average total loans | $37,507,200 | 4,463 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0741% | 5,228 |
| Cost of funding earning assets | 0.1423% | 5,132 |
| Net interest margin | 1.9318% | 5,189 |
| Noninterest income to average assets | 1.1107% | 735 |
| Noninterest expense to average assets | 1.7819% | 4,840 |
| Loan and lease loss provision to assets | 0.0228% | 3,446 |
| Net operating income to assets | 0.9163% | 3,282 |
| Return on assets (ROA) | 0.9163% | 3,365 |
| Pretax return on assets | 1.2100% | 2,953 |
| Return on Equity (ROE) | 11.1471% | 1,957 |
| Retained earnings to average equity (ytd only) | 11.1471% | 495 |
| Net charge-offs to loans | 1.0228% | 139 |
| Credit loss provision to net charge-offs | 128.4091% | 1,845 |
| Earnings coverage of net charge-offs (x) | 69.3582% | 961 |
| Efficiency ratio | 58.8355% | 3,820 |
| Assets per employee ($millions) | 28.3715% | 37 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0545% | 5,193 |
| Loan loss allowance to noncurrent loans | 7.8616% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 0.0226% | 4,631 |
| Noncurrent loans to loans | 0.6930% | 2,229 |
| Net loans and leases to total assets | 3.2656% | 5,219 |
| Net loans and leases to deposits | 3.6076% | 5,222 |
| Net loans and leases to core deposits | 3.6076% | 5,212 |
| Total domestic deposits to total assets | 90.5213% | 169 |
| Equity capital to assets | 7.6877% | 5,172 |
| Core capital (leverage) ratio | 8.1937% | 5,065 |
| Tier 1 risk-based capital ratio | 18.6510% | 1,650 |
| Total risk-based capital ratio | 18.6555% | 1,931 |
| Memoranda: | ||
| Average total assets | $1,320,214,250 | 612 |
| Average earning assets | $1,301,222,000 | 575 |
| Average equity | $108,521,500 | 836 |
| Average total loans | $22,943,500 | 4,880 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7966% | 5,296 |
| Cost of funding earning assets | 0.0637% | 5,257 |
| Net interest margin | 0.7329% | 5,293 |
| Noninterest income to average assets | 1.9145% | 285 |
| Noninterest expense to average assets | 2.2691% | 4,086 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.2762% | 4,906 |
| Return on assets (ROA) | 0.2762% | 4,917 |
| Pretax return on assets | 0.3607% | 4,877 |
| Return on Equity (ROE) | 3.1299% | 4,767 |
| Retained earnings to average equity (ytd only) | 3.1299% | 3,654 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2852% | 532 |
| Assets per employee ($millions) | 26.3261% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 91.0618% | 95 |
| Equity capital to assets | 7.0716% | 5,260 |
| Core capital (leverage) ratio | 21.3861% | 182 |
| Tier 1 risk-based capital ratio | 24.7462% | 774 |
| Total risk-based capital ratio | 24.7462% | 874 |
| Memoranda: | ||
| Average total assets | $824,025,000 | 948 |
| Average earning assets | $804,166,000 | 895 |
| Average equity | $72,718,330 | 1,178 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0637% | 5,256 |
| Cost of funding earning assets | 0.0000% | 5,351 |
| Net interest margin | 3.0637% | 4,648 |
| Noninterest income to average assets | 24.7324% | 34 |
| Noninterest expense to average assets | 65.2341% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | -28.9982% | 5,361 |
| Return on assets (ROA) | -28.9982% | 5,361 |
| Pretax return on assets | -38.0892% | 5,362 |
| Return on Equity (ROE) | -30.9720% | 5,344 |
| Retained earnings to average equity (ytd only) | -30.9720% | 5,307 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 240.3178% | 13 |
| Assets per employee ($millions) | 0.3609% | 5,342 |
| 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 | 2.0377% | 5,356 |
| Equity capital to assets | 92.9619% | 8 |
| Core capital (leverage) ratio | 94.5594% | 10 |
| Tier 1 risk-based capital ratio | 333.3980% | 11 |
| Total risk-based capital ratio | 333.3980% | 11 |
| Memoranda: | ||
| Average total assets | $25,036,000 | 5,253 |
| Average earning assets | $19,715,000 | 5,271 |
| Average equity | $23,440,500 | 2,846 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4598% | 5,345 |
| Cost of funding earning assets | 0.0000% | 5,396 |
| Net interest margin | 2.4598% | 5,231 |
| Noninterest income to average assets | 27.8951% | 32 |
| Noninterest expense to average assets | 27.6565% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 3.4387% | 62 |
| Return on assets (ROA) | 3.4387% | 62 |
| Pretax return on assets | 2.1546% | 392 |
| Return on Equity (ROE) | 3.7478% | 4,768 |
| Retained earnings to average equity (ytd only) | 3.7478% | 3,513 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7724% | 264 |
| Assets per employee ($millions) | 0.9457% | 5,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 1.9582% | 5,399 |
| Equity capital to assets | 94.2665% | 10 |
| Core capital (leverage) ratio | 95.4488% | 11 |
| Tier 1 risk-based capital ratio | 367.7173% | 13 |
| Total risk-based capital ratio | 367.7173% | 13 |
| Memoranda: | ||
| Average total assets | $25,155,000 | 5,297 |
| Average earning assets | $19,595,400 | 5,317 |
| Average equity | $23,080,400 | 2,809 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3073% | 5,426 |
| Cost of funding earning assets | 0.0000% | 5,467 |
| Net interest margin | 2.3073% | 5,347 |
| Noninterest income to average assets | 28.4427% | 33 |
| Noninterest expense to average assets | 25.3356% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 3.3838% | 61 |
| Return on assets (ROA) | 3.3838% | 61 |
| Pretax return on assets | 4.8841% | 48 |
| Return on Equity (ROE) | 3.7138% | 4,883 |
| Retained earnings to average equity (ytd only) | 3.7138% | 3,917 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8380% | 649 |
| Assets per employee ($millions) | 0.9410% | 5,433 |
| 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 | 1.9680% | 5,472 |
| Equity capital to assets | 90.9513% | 11 |
| Core capital (leverage) ratio | 91.9367% | 15 |
| Tier 1 risk-based capital ratio | 388.9057% | 12 |
| Total risk-based capital ratio | 388.9057% | 12 |
| Memoranda: | ||
| Average total assets | $25,060,250 | 5,366 |
| Average earning assets | $19,300,750 | 5,392 |
| Average equity | $22,833,000 | 2,838 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2666% | 5,489 |
| Cost of funding earning assets | 0.0000% | 5,529 |
| Net interest margin | 2.2666% | 5,428 |
| Noninterest income to average assets | 28.6554% | 33 |
| Noninterest expense to average assets | 26.0336% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 3.2793% | 66 |
| Return on assets (ROA) | 3.2793% | 66 |
| Pretax return on assets | 4.3135% | 53 |
| Return on Equity (ROE) | 3.5970% | 4,905 |
| Retained earnings to average equity (ytd only) | 3.5970% | 3,798 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7860% | 580 |
| Assets per employee ($millions) | 1.0006% | 5,497 |
| 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 | 1.9987% | 5,536 |
| Equity capital to assets | 91.5174% | 14 |
| Core capital (leverage) ratio | 92.4428% | 15 |
| Tier 1 risk-based capital ratio | 384.6076% | 13 |
| Total risk-based capital ratio | 384.6076% | 13 |
| Memoranda: | ||
| Average total assets | $24,944,670 | 5,430 |
| Average earning assets | $18,618,330 | 5,465 |
| Average equity | $22,741,330 | 2,861 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1353% | 5,565 |
| Cost of funding earning assets | 0.0000% | 5,593 |
| Net interest margin | 2.1353% | 5,520 |
| Noninterest income to average assets | 28.2789% | 33 |
| Noninterest expense to average assets | 22.8994% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 5.2351% | 34 |
| Return on assets (ROA) | 5.2351% | 34 |
| Pretax return on assets | 7.0015% | 33 |
| Return on Equity (ROE) | 5.7534% | 4,234 |
| Retained earnings to average equity (ytd only) | 5.7534% | 2,830 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5843% | 1,504 |
| Assets per employee ($millions) | 0.9944% | 5,559 |
| 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 | 2.0112% | 5,600 |
| Equity capital to assets | 91.7984% | 12 |
| Core capital (leverage) ratio | 92.7677% | 15 |
| Tier 1 risk-based capital ratio | 386.2016% | 14 |
| Total risk-based capital ratio | 386.2016% | 14 |
| Memoranda: | ||
| Average total assets | $24,909,000 | 5,492 |
| Average earning assets | $18,920,500 | 5,523 |
| Average equity | $22,665,000 | 2,899 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7160% | 5,618 |
| Cost of funding earning assets | 0.0000% | 5,660 |
| Net interest margin | 1.7160% | 5,602 |
| Noninterest income to average assets | 25.7924% | 35 |
| Noninterest expense to average assets | 22.3534% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0660% | 1,985 |
| Return on assets (ROA) | 1.0660% | 2,012 |
| Pretax return on assets | 4.7623% | 52 |
| Return on Equity (ROE) | 1.1605% | 5,214 |
| Retained earnings to average equity (ytd only) | 1.1605% | 4,564 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4371% | 895 |
| Assets per employee ($millions) | 1.0399% | 5,624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 2.0034% | 5,665 |
| Equity capital to assets | 90.1871% | 14 |
| Core capital (leverage) ratio | 90.6886% | 14 |
| Tier 1 risk-based capital ratio | 375.8378% | 12 |
| Total risk-based capital ratio | 375.8378% | 12 |
| Memoranda: | ||
| Average total assets | $24,484,000 | 5,551 |
| Average earning assets | $18,881,400 | 5,585 |
| Average equity | $22,489,400 | 2,905 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6469% | 5,694 |
| Cost of funding earning assets | 0.0000% | 5,725 |
| Net interest margin | 1.6469% | 5,679 |
| Noninterest income to average assets | 25.2644% | 37 |
| Noninterest expense to average assets | 21.6801% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.8947% | 88 |
| Return on assets (ROA) | 2.8947% | 89 |
| Pretax return on assets | 4.8537% | 57 |
| Return on Equity (ROE) | 3.1369% | 5,077 |
| Retained earnings to average equity (ytd only) | 3.1369% | 4,042 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.7076% | 942 |
| Assets per employee ($millions) | 1.0800% | 5,683 |
| 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 | 2.0128% | 5,731 |
| Equity capital to assets | 91.7113% | 13 |
| Core capital (leverage) ratio | 90.7194% | 17 |
| Tier 1 risk-based capital ratio | 334.8281% | 12 |
| Total risk-based capital ratio | 334.8281% | 12 |
| Memoranda: | ||
| Average total assets | $24,365,750 | 5,613 |
| Average earning assets | $18,782,250 | 5,650 |
| Average equity | $22,484,750 | 2,924 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5232% | 5,749 |
| Cost of funding earning assets | 0.0000% | 5,773 |
| Net interest margin | 1.5232% | 5,737 |
| Noninterest income to average assets | 25.9673% | 36 |
| Noninterest expense to average assets | 22.6378% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.7595% | 98 |
| Return on assets (ROA) | 2.7595% | 100 |
| Pretax return on assets | 4.4862% | 64 |
| Return on Equity (ROE) | 2.9841% | 5,126 |
| Retained earnings to average equity (ytd only) | 2.9841% | 3,941 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4602% | 881 |
| Assets per employee ($millions) | 1.3068% | 5,728 |
| 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 | 2.0138% | 5,782 |
| Equity capital to assets | 90.9984% | 10 |
| Core capital (leverage) ratio | 87.0123% | 18 |
| Tier 1 risk-based capital ratio | 338.5587% | 14 |
| Total risk-based capital ratio | 338.5587% | 14 |
| Memoranda: | ||
| Average total assets | $24,207,330 | 5,664 |
| Average earning assets | $18,382,330 | 5,704 |
| Average equity | $22,385,670 | 2,937 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4052% | 5,825 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 1.4052% | 5,813 |
| Noninterest income to average assets | 24.0872% | 37 |
| Noninterest expense to average assets | 25.1752% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1908% | 5,676 |
| Return on assets (ROA) | 0.1841% | 5,429 |
| Pretax return on assets | 0.5356% | 4,883 |
| Return on Equity (ROE) | 0.1975% | 5,595 |
| Retained earnings to average equity (ytd only) | 0.1975% | 4,873 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.1999% | 220 |
| Assets per employee ($millions) | 1.5083% | 5,787 |
| 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 | 2.0719% | 5,848 |
| Equity capital to assets | 92.3214% | 8 |
| Core capital (leverage) ratio | 93.4879% | 11 |
| Tier 1 risk-based capital ratio | 321.1235% | 16 |
| Total risk-based capital ratio | 321.1235% | 16 |
| Memoranda: | ||
| Average total assets | $23,896,500 | 5,736 |
| Average earning assets | $17,649,000 | 5,779 |
| Average equity | $22,281,500 | 2,959 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3372% | 5,872 |
| Cost of funding earning assets | 0.0000% | 5,897 |
| Net interest margin | 1.3372% | 5,863 |
| Noninterest income to average assets | 18.6106% | 42 |
| Noninterest expense to average assets | 15.4207% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.7211% | 517 |
| Return on assets (ROA) | 10.5861% | 15 |
| Pretax return on assets | 17.7899% | 14 |
| Return on Equity (ROE) | 11.2379% | 1,490 |
| Retained earnings to average equity (ytd only) | 11.2379% | 287 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6559% | 1,461 |
| Assets per employee ($millions) | 1.0755% | 5,862 |
| 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 | 2.1132% | 5,905 |
| Equity capital to assets | 94.1803% | 7 |
| Core capital (leverage) ratio | 85.0528% | 20 |
| Tier 1 risk-based capital ratio | 316.1580% | 14 |
| Total risk-based capital ratio | 316.1580% | 14 |
| Memoranda: | ||
| Average total assets | $29,123,200 | 5,724 |
| Average earning assets | $16,303,200 | 5,846 |
| Average equity | $27,434,000 | 2,541 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3503% | 5,941 |
| Cost of funding earning assets | 0.0000% | 5,963 |
| Net interest margin | 1.3503% | 5,930 |
| Noninterest income to average assets | 17.5448% | 43 |
| Noninterest expense to average assets | 15.1134% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.3961% | 1,077 |
| Return on assets (ROA) | 12.6863% | 12 |
| Pretax return on assets | 20.7765% | 12 |
| Return on Equity (ROE) | 13.4669% | 927 |
| Retained earnings to average equity (ytd only) | 13.4669% | 198 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8181% | 1,094 |
| Assets per employee ($millions) | 1.2818% | 5,923 |
| 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 | 1.7731% | 5,974 |
| Equity capital to assets | 96.1027% | 4 |
| Core capital (leverage) ratio | 102.8869% | 1 |
| Tier 1 risk-based capital ratio | 361.8913% | 11 |
| Total risk-based capital ratio | 361.8913% | 11 |
| Memoranda: | ||
| Average total assets | $30,488,750 | 5,768 |
| Average earning assets | $15,897,750 | 5,918 |
| Average equity | $28,721,500 | 2,478 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4572% | 6,017 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 1.4572% | 6,005 |
| Noninterest income to average assets | 17.2213% | 43 |
| Noninterest expense to average assets | 15.8134% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.6136% | 4,210 |
| Return on assets (ROA) | 0.7488% | 3,707 |
| Pretax return on assets | 2.3231% | 293 |
| Return on Equity (ROE) | 0.7997% | 5,711 |
| Retained earnings to average equity (ytd only) | 0.7997% | 5,060 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2185% | 710 |
| Assets per employee ($millions) | 1.1655% | 6,006 |
| 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 | 1.9501% | 6,053 |
| Equity capital to assets | 94.9025% | 5 |
| Core capital (leverage) ratio | 92.1248% | 14 |
| Tier 1 risk-based capital ratio | 224.0677% | 22 |
| Total risk-based capital ratio | 224.0677% | 22 |
| Memoranda: | ||
| Average total assets | $31,252,000 | 5,826 |
| Average earning assets | $15,097,670 | 6,001 |
| Average equity | $29,262,000 | 2,426 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7193% | 6,073 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 1.7193% | 6,052 |
| Noninterest income to average assets | 13.6238% | 53 |
| Noninterest expense to average assets | 13.3537% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -0.5844% | 5,983 |
| Return on assets (ROA) | -0.3289% | 5,933 |
| Pretax return on assets | 1.4094% | 1,876 |
| Return on Equity (ROE) | -0.3530% | 5,836 |
| Retained earnings to average equity (ytd only) | -0.3530% | 5,176 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9681% | 502 |
| Assets per employee ($millions) | 1.1963% | 6,067 |
| 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 | 1.9903% | 6,115 |
| Equity capital to assets | 96.3339% | 5 |
| Core capital (leverage) ratio | 56.9654% | 33 |
| Tier 1 risk-based capital ratio | 186.5891% | 26 |
| Total risk-based capital ratio | 186.5891% | 26 |
| Memoranda: | ||
| Average total assets | $34,058,000 | 5,837 |
| Average earning assets | $14,657,500 | 6,069 |
| Average equity | $31,726,500 | 2,259 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3334% | 6,133 |
| Cost of funding earning assets | 0.0000% | 6,168 |
| Net interest margin | 1.3334% | 6,122 |
| Noninterest income to average assets | 12.4346% | 55 |
| Noninterest expense to average assets | 9.0914% | 86 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.6134% | 133 |
| Return on assets (ROA) | 4.4113% | 54 |
| Pretax return on assets | 6.5643% | 36 |
| Return on Equity (ROE) | 4.7355% | 4,635 |
| Retained earnings to average equity (ytd only) | 4.7355% | 2,617 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0829% | 3,207 |
| Assets per employee ($millions) | 2.2628% | 5,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 1.1630% | 6,176 |
| Equity capital to assets | 91.2965% | 10 |
| Core capital (leverage) ratio | 93.5735% | 7 |
| Tier 1 risk-based capital ratio | 237.5199% | 23 |
| Total risk-based capital ratio | 237.5199% | 23 |
| Memoranda: | ||
| Average total assets | $40,918,000 | 5,745 |
| Average earning assets | $16,498,600 | 6,101 |
| Average equity | $38,116,600 | 1,881 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3291% | 6,229 |
| Cost of funding earning assets | 0.0000% | 6,253 |
| Net interest margin | 1.3291% | 6,217 |
| Noninterest income to average assets | 12.3993% | 58 |
| Noninterest expense to average assets | 8.7294% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.4323% | 177 |
| Return on assets (ROA) | 2.4323% | 182 |
| Pretax return on assets | 4.2079% | 71 |
| Return on Equity (ROE) | 2.5973% | 5,520 |
| Retained earnings to average equity (ytd only) | 2.5973% | 4,565 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4745% | 3,634 |
| Assets per employee ($millions) | 2.3979% | 6,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 1.2265% | 6,262 |
| Equity capital to assets | 93.7005% | 7 |
| Core capital (leverage) ratio | 90.8328% | 13 |
| Tier 1 risk-based capital ratio | 233.9520% | 26 |
| Total risk-based capital ratio | 233.9520% | 26 |
| Memoranda: | ||
| Average total assets | $40,399,000 | 5,831 |
| Average earning assets | $16,351,500 | 6,189 |
| Average equity | $37,832,750 | 1,904 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3059% | 6,306 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 1.3059% | 6,295 |
| Noninterest income to average assets | 13.3972% | 57 |
| Noninterest expense to average assets | 9.0225% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.7807% | 112 |
| Return on assets (ROA) | 2.7807% | 115 |
| Pretax return on assets | 4.8862% | 60 |
| Return on Equity (ROE) | 2.9699% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.9699% | 4,147 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8697% | 4,213 |
| Assets per employee ($millions) | 2.3263% | 6,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 1.1941% | 6,339 |
| Equity capital to assets | 90.7100% | 11 |
| Core capital (leverage) ratio | 92.2985% | 13 |
| Tier 1 risk-based capital ratio | 192.8936% | 28 |
| Total risk-based capital ratio | 192.8936% | 28 |
| Memoranda: | ||
| Average total assets | $40,277,000 | 5,897 |
| Average earning assets | $15,774,000 | 6,274 |
| Average equity | $37,711,330 | 1,919 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4810% | 6,368 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 1.4810% | 6,348 |
| Noninterest income to average assets | 12.1482% | 62 |
| Noninterest expense to average assets | 7.8523% | 124 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.7458% | 104 |
| Return on assets (ROA) | 2.7458% | 114 |
| Pretax return on assets | 4.8228% | 63 |
| Return on Equity (ROE) | 2.8849% | 5,420 |
| Retained earnings to average equity (ytd only) | 2.8849% | 4,234 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9504% | 4,806 |
| Assets per employee ($millions) | 2.2818% | 6,200 |
| 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 | 1.2890% | 6,411 |
| Equity capital to assets | 97.2468% | 2 |
| Core capital (leverage) ratio | 94.2714% | 8 |
| Tier 1 risk-based capital ratio | 186.0465% | 35 |
| Total risk-based capital ratio | 186.0465% | 35 |
| Memoranda: | ||
| Average total assets | $39,479,000 | 5,969 |
| Average earning assets | $14,045,000 | 6,356 |
| Average equity | $37,575,500 | 1,937 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9454% | 6,426 |
| Cost of funding earning assets | 0.0000% | 6,493 |
| Net interest margin | 1.9454% | 6,380 |
| Noninterest income to average assets | 10.6798% | 63 |
| Noninterest expense to average assets | 9.2527% | 82 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.1042% | 6,159 |
| Return on assets (ROA) | -0.0979% | 6,161 |
| Pretax return on assets | 1.8995% | 643 |
| Return on Equity (ROE) | -0.1025% | 6,117 |
| Retained earnings to average equity (ytd only) | -0.1025% | 5,786 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0404% | 1,514 |
| Assets per employee ($millions) | 2.6778% | 6,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 1.2448% | 6,501 |
| Equity capital to assets | 93.1810% | 7 |
| Core capital (leverage) ratio | 87.9780% | 10 |
| Tier 1 risk-based capital ratio | 378.0613% | 13 |
| Total risk-based capital ratio | 378.0613% | 13 |
| Memoranda: | ||
| Average total assets | $40,852,800 | 6,016 |
| Average earning assets | $9,715,200 | 6,475 |
| Average equity | $39,014,000 | 1,815 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1817% | 6,484 |
| Cost of funding earning assets | 0.0000% | 6,574 |
| Net interest margin | 2.1817% | 6,399 |
| Noninterest income to average assets | 10.6406% | 63 |
| Noninterest expense to average assets | 9.5161% | 79 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | -0.0603% | 6,192 |
| Return on assets (ROA) | -0.0520% | 6,191 |
| Pretax return on assets | 1.5925% | 1,348 |
| Return on Equity (ROE) | -0.0541% | 6,161 |
| Retained earnings to average equity (ytd only) | -0.0541% | 5,804 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7645% | 1,203 |
| Assets per employee ($millions) | 2.6556% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 1.2552% | 6,580 |
| Equity capital to assets | 93.9122% | 6 |
| Core capital (leverage) ratio | 89.0822% | 9 |
| Tier 1 risk-based capital ratio | 382.0864% | 11 |
| Total risk-based capital ratio | 382.0864% | 11 |
| Memoranda: | ||
| Average total assets | $41,024,250 | 6,083 |
| Average earning assets | $8,555,750 | 6,564 |
| Average equity | $39,410,500 | 1,809 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4904% | 6,479 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 2.4904% | 6,292 |
| Noninterest income to average assets | 10.6661% | 62 |
| Noninterest expense to average assets | 10.0384% | 76 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | -0.3117% | 6,376 |
| Return on assets (ROA) | -0.2994% | 6,380 |
| Pretax return on assets | 1.1154% | 3,038 |
| Return on Equity (ROE) | -0.3094% | 6,226 |
| Retained earnings to average equity (ytd only) | -0.3094% | 5,731 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1561% | 908 |
| Assets per employee ($millions) | 2.5737% | 6,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 1.2951% | 6,647 |
| Equity capital to assets | 96.6870% | 3 |
| Core capital (leverage) ratio | 88.4250% | 10 |
| Tier 1 risk-based capital ratio | 329.4357% | 14 |
| Total risk-based capital ratio | 329.4357% | 14 |
| Memoranda: | ||
| Average total assets | $41,421,000 | 6,129 |
| Average earning assets | $7,790,000 | 6,634 |
| Average equity | $40,077,670 | 1,778 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5984% | 6,519 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 2.5984% | 6,243 |
| Noninterest income to average assets | 9.5637% | 64 |
| Noninterest expense to average assets | 8.0601% | 112 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3217% | 5,421 |
| Return on assets (ROA) | 0.3456% | 5,390 |
| Pretax return on assets | 2.0360% | 496 |
| Return on Equity (ROE) | 0.3570% | 6,169 |
| Retained earnings to average equity (ytd only) | 0.3570% | 5,426 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1300% | 2,187 |
| Assets per employee ($millions) | 2.7709% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 1.2889% | 6,717 |
| Equity capital to assets | 96.6051% | 5 |
| Core capital (leverage) ratio | 60.4265% | 39 |
| Tier 1 risk-based capital ratio | 351.0893% | 17 |
| Total risk-based capital ratio | 351.0893% | 17 |
| Memoranda: | ||
| Average total assets | $42,828,500 | 6,142 |
| Average earning assets | $8,159,000 | 6,706 |
| Average equity | $41,453,000 | 1,724 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2682% | 6,762 |
| Cost of funding earning assets | 0.0000% | 6,798 |
| Net interest margin | 1.2682% | 6,744 |
| Noninterest income to average assets | 4.7898% | 143 |
| Noninterest expense to average assets | 4.4442% | 549 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | -0.8186% | 6,572 |
| Return on assets (ROA) | 1.7362% | 561 |
| Pretax return on assets | 4.8366% | 58 |
| Return on Equity (ROE) | 2.0042% | 5,839 |
| Retained earnings to average equity (ytd only) | 2.0042% | 4,808 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0290% | 1,622 |
| Assets per employee ($millions) | 3.6049% | 4,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 1.0669% | 6,804 |
| Equity capital to assets | 96.9401% | 5 |
| Core capital (leverage) ratio | 76.6454% | 27 |
| Tier 1 risk-based capital ratio | 360.4660% | 17 |
| Total risk-based capital ratio | 360.4660% | 17 |
| Memoranda: | ||
| Average total assets | $83,344,400 | 5,152 |
| Average earning assets | $32,802,400 | 6,383 |
| Average equity | $72,199,600 | 983 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2584% | 6,848 |
| Cost of funding earning assets | 0.0000% | 6,877 |
| Net interest margin | 1.2584% | 6,831 |
| Noninterest income to average assets | 4.2408% | 165 |
| Noninterest expense to average assets | 4.3720% | 593 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2440% | 5,798 |
| Return on assets (ROA) | 3.4102% | 85 |
| Pretax return on assets | 5.1882% | 53 |
| Return on Equity (ROE) | 3.9969% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.9969% | 3,855 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7953% | 863 |
| Assets per employee ($millions) | 4.3528% | 3,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 0.9572% | 6,881 |
| Equity capital to assets | 89.0589% | 11 |
| Core capital (leverage) ratio | 85.5027% | 14 |
| Tier 1 risk-based capital ratio | 287.7240% | 20 |
| Total risk-based capital ratio | 287.7240% | 20 |
| Memoranda: | ||
| Average total assets | $92,464,500 | 4,964 |
| Average earning assets | $38,355,250 | 6,290 |
| Average equity | $78,892,000 | 914 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3287% | 6,893 |
| Cost of funding earning assets | 0.0000% | 6,924 |
| Net interest margin | 1.3287% | 6,872 |
| Noninterest income to average assets | 3.8139% | 193 |
| Noninterest expense to average assets | 4.1407% | 744 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | -0.1328% | 6,439 |
| Return on assets (ROA) | 3.8895% | 73 |
| Pretax return on assets | 6.5530% | 42 |
| Return on Equity (ROE) | 4.5917% | 4,957 |
| Retained earnings to average equity (ytd only) | 4.5917% | 3,345 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9160% | 767 |
| Assets per employee ($millions) | 3.6767% | 4,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 1.0461% | 6,932 |
| Equity capital to assets | 96.6462% | 3 |
| Core capital (leverage) ratio | 90.4837% | 10 |
| Tier 1 risk-based capital ratio | 217.8205% | 25 |
| Total risk-based capital ratio | 217.8205% | 25 |
| Memoranda: | ||
| Average total assets | $105,874,670 | 4,673 |
| Average earning assets | $47,413,000 | 6,060 |
| Average equity | $89,683,000 | 788 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4976% | 6,965 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 1.4976% | 6,935 |
| Noninterest income to average assets | 2.6476% | 293 |
| Noninterest expense to average assets | 3.8306% | 1,077 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3169% | 6,586 |
| Return on assets (ROA) | 5.9297% | 41 |
| Pretax return on assets | 9.3452% | 31 |
| Return on Equity (ROE) | 7.1796% | 3,393 |
| Retained earnings to average equity (ytd only) | 7.1796% | 2,076 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.1528% | 300 |
| Assets per employee ($millions) | 4.5031% | 2,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 1.0094% | 7,009 |
| Equity capital to assets | 93.2693% | 7 |
| Core capital (leverage) ratio | 16.0238% | 453 |
| Tier 1 risk-based capital ratio | 338.6189% | 15 |
| Total risk-based capital ratio | 338.6189% | 15 |
| Memoranda: | ||
| Average total assets | $134,913,500 | 4,085 |
| Average earning assets | $69,178,000 | 5,458 |
| Average equity | $111,427,500 | 655 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5846% | 6,910 |
| Cost of funding earning assets | 0.3497% | 6,217 |
| Net interest margin | 2.2349% | 6,867 |
| Noninterest income to average assets | 0.6837% | 2,812 |
| Noninterest expense to average assets | 1.4664% | 6,886 |
| Loan and lease loss provision to assets | 2.7336% | 46 |
| Net operating income to assets | -0.7635% | 6,667 |
| Return on assets (ROA) | -0.5032% | 6,609 |
| Pretax return on assets | -0.9082% | 6,707 |
| Return on Equity (ROE) | -6.0291% | 6,629 |
| Retained earnings to average equity (ytd only) | -6.0291% | 6,483 |
| Net charge-offs to loans | 12.3497% | 2 |
| Credit loss provision to net charge-offs | 87.5488% | 3,570 |
| Earnings coverage of net charge-offs (x) | 0.4544% | 5,261 |
| Efficiency ratio | 50.8266% | 6,536 |
| Assets per employee ($millions) | 4.5894% | 2,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | NA | NA |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.0000% | 7,090 |
| Equity capital to assets | 80.1909% | 28 |
| Core capital (leverage) ratio | 77.1554% | 28 |
| Tier 1 risk-based capital ratio | 263.7192% | 23 |
| Total risk-based capital ratio | 263.7192% | 23 |
| Memoranda: | ||
| Average total assets | $4,237,180,200 | 196 |
| Average earning assets | $4,173,861,000 | 179 |
| Average equity | $353,668,200 | 245 |
| Average total loans | $1,071,293,200 | 401 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5618% | 7,035 |
| Cost of funding earning assets | 0.3471% | 6,389 |
| Net interest margin | 2.2146% | 6,984 |
| Noninterest income to average assets | 0.5072% | 3,875 |
| Noninterest expense to average assets | 1.2802% | 7,053 |
| Loan and lease loss provision to assets | 2.9464% | 42 |
| Net operating income to assets | -0.8991% | 6,834 |
| Return on assets (ROA) | -2.0222% | 7,050 |
| Pretax return on assets | -3.2841% | 7,118 |
| Return on Equity (ROE) | -26.6367% | 7,046 |
| Retained earnings to average equity (ytd only) | -26.6367% | 7,036 |
| Net charge-offs to loans | 13.1726% | 1 |
| Credit loss provision to net charge-offs | 87.5488% | 3,379 |
| Earnings coverage of net charge-offs (x) | 0.4211% | 5,115 |
| Efficiency ratio | 47.4590% | 6,748 |
| Assets per employee ($millions) | 68.2196% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| Loan loss allowance to noncurrent loans | 0.0000% | 6,685 |
| Noncurrent assets plus other real estate owned to assets | 0.1262% | 6,404 |
| Noncurrent loans to loans | 0.4481% | 5,552 |
| Net loans and leases to total assets | 24.5880% | 6,956 |
| Net loans and leases to deposits | 27.1258% | 6,996 |
| Net loans and leases to core deposits | 298.6540% | 39 |
| Total domestic deposits to total assets | 90.6446% | 543 |
| Equity capital to assets | 8.5631% | 6,213 |
| Core capital (leverage) ratio | 7.5866% | 6,574 |
| Tier 1 risk-based capital ratio | 15.7638% | 3,396 |
| Total risk-based capital ratio | 15.7638% | 4,143 |
| Memoranda: | ||
| Average total assets | $5,241,402,000 | 170 |
| Average earning assets | $5,183,928,500 | 160 |
| Average equity | $397,921,500 | 231 |
| Average total loans | $1,339,116,500 | 332 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5131% | 7,119 |
| Cost of funding earning assets | 0.3392% | 6,558 |
| Net interest margin | 2.1739% | 7,055 |
| Noninterest income to average assets | 0.4998% | 3,922 |
| Noninterest expense to average assets | 1.2711% | 7,118 |
| Loan and lease loss provision to assets | 0.1196% | 4,037 |
| Net operating income to assets | 0.7733% | 3,504 |
| Return on assets (ROA) | 0.7219% | 4,023 |
| Pretax return on assets | 1.1805% | 3,014 |
| Return on Equity (ROE) | 9.8965% | 2,404 |
| Retained earnings to average equity (ytd only) | 9.8965% | 1,004 |
| Net charge-offs to loans | 0.7068% | 1,569 |
| Credit loss provision to net charge-offs | 65.4594% | 3,677 |
| Earnings coverage of net charge-offs (x) | 7.5570% | 2,455 |
| Efficiency ratio | 47.9420% | 6,777 |
| Assets per employee ($millions) | 64.0075% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 5,888 |
| Loan loss allowance to noncurrent loans | 325.3741% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 1.3655% | 3,703 |
| Noncurrent loans to loans | 0.3296% | 5,891 |
| Net loans and leases to total assets | 24.4909% | 7,021 |
| Net loans and leases to deposits | 26.7039% | 7,062 |
| Net loans and leases to core deposits | 196.1476% | 57 |
| Total domestic deposits to total assets | 91.7131% | 275 |
| Equity capital to assets | 7.4673% | 6,803 |
| Core capital (leverage) ratio | 7.7636% | 6,474 |
| Tier 1 risk-based capital ratio | 13.4359% | 4,878 |
| Total risk-based capital ratio | 13.8929% | 5,443 |
| Memoranda: | ||
| Average total assets | $5,351,265,670 | 168 |
| Average earning assets | $5,296,235,000 | 153 |
| Average equity | $390,361,670 | 233 |
| Average total loans | $1,382,916,000 | 323 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5275% | 7,169 |
| Cost of funding earning assets | 0.3422% | 6,672 |
| Net interest margin | 2.1852% | 7,097 |
| Noninterest income to average assets | 0.4896% | 3,981 |
| Noninterest expense to average assets | 1.3166% | 7,165 |
| Loan and lease loss provision to assets | 0.1383% | 3,625 |
| Net operating income to assets | 0.7272% | 3,747 |
| Return on assets (ROA) | 0.6507% | 4,331 |
| Pretax return on assets | 1.0762% | 3,412 |
| Return on Equity (ROE) | 9.0332% | 2,810 |
| Retained earnings to average equity (ytd only) | 9.0332% | 1,580 |
| Net charge-offs to loans | 0.7956% | 1,291 |
| Credit loss provision to net charge-offs | 65.8076% | 3,000 |
| Earnings coverage of net charge-offs (x) | 6.3466% | 2,224 |
| Efficiency ratio | 49.6704% | 6,692 |
| Assets per employee ($millions) | 59.9208% | 29 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1171% | 5,840 |
| Loan loss allowance to noncurrent loans | 322.8227% | 1,027 |
| Noncurrent assets plus other real estate owned to assets | 1.5063% | 3,596 |
| Noncurrent loans to loans | 0.3461% | 5,979 |
| Net loans and leases to total assets | 25.7775% | 7,044 |
| Net loans and leases to deposits | 28.0627% | 7,087 |
| Net loans and leases to core deposits | 208.3158% | 51 |
| Total domestic deposits to total assets | 91.8571% | 294 |
| Equity capital to assets | 7.3331% | 6,838 |
| Core capital (leverage) ratio | 7.7830% | 6,427 |
| Tier 1 risk-based capital ratio | 13.4106% | 4,891 |
| Total risk-based capital ratio | 13.9082% | 5,442 |
| Memoranda: | ||
| Average total assets | $5,242,570,500 | 168 |
| Average earning assets | $5,184,614,500 | 157 |
| Average equity | $377,629,500 | 232 |
| Average total loans | $1,385,073,500 | 322 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6615% | 7,240 |
| Cost of funding earning assets | 0.4162% | 6,847 |
| Net interest margin | 2.2453% | 7,160 |
| Noninterest income to average assets | 0.6005% | 3,161 |
| Noninterest expense to average assets | 1.5216% | 7,156 |
| Loan and lease loss provision to assets | 0.2497% | 3,702 |
| Net operating income to assets | 0.6717% | 3,622 |
| Return on assets (ROA) | 0.6314% | 4,025 |
| Pretax return on assets | 0.9851% | 3,291 |
| Return on Equity (ROE) | 8.9108% | 2,490 |
| Retained earnings to average equity (ytd only) | 8.9108% | 830 |
| Net charge-offs to loans | 0.8759% | 1,984 |
| Credit loss provision to net charge-offs | 106.2975% | 3,197 |
| Earnings coverage of net charge-offs (x) | 5.5248% | 2,761 |
| Efficiency ratio | 52.4245% | 6,670 |
| Assets per employee ($millions) | 49.0684% | 34 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1938% | 5,422 |
| Loan loss allowance to noncurrent loans | 324.8472% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 6,692 |
| Noncurrent loans to loans | 0.3675% | 5,987 |
| Net loans and leases to total assets | 26.4633% | 7,108 |
| Net loans and leases to deposits | 28.6782% | 7,160 |
| Net loans and leases to core deposits | 212.5182% | 55 |
| Total domestic deposits to total assets | 92.2768% | 202 |
| Equity capital to assets | 7.0686% | 6,946 |
| Core capital (leverage) ratio | 7.7131% | 6,526 |
| Tier 1 risk-based capital ratio | 14.4449% | 4,008 |
| Total risk-based capital ratio | 15.0362% | 4,451 |
| Memoranda: | ||
| Average total assets | $4,596,529,200 | 178 |
| Average earning assets | $4,542,700,800 | 163 |
| Average equity | $325,685,000 | 249 |
| Average total loans | $1,232,787,400 | 352 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6969% | 7,321 |
| Cost of funding earning assets | 0.4252% | 6,953 |
| Net interest margin | 2.2717% | 7,228 |
| Noninterest income to average assets | 0.6068% | 3,129 |
| Noninterest expense to average assets | 1.5457% | 7,198 |
| Loan and lease loss provision to assets | 0.2504% | 3,501 |
| Net operating income to assets | 0.6523% | 3,861 |
| Return on assets (ROA) | 0.6311% | 4,140 |
| Pretax return on assets | 1.0235% | 3,313 |
| Return on Equity (ROE) | 8.9011% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.9011% | 1,180 |
| Net charge-offs to loans | 0.9300% | 1,730 |
| Credit loss provision to net charge-offs | 100.3596% | 3,355 |
| Earnings coverage of net charge-offs (x) | 5.2386% | 2,840 |
| Efficiency ratio | 52.6264% | 6,624 |
| Assets per employee ($millions) | 46.5615% | 38 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 5,467 |
| Loan loss allowance to noncurrent loans | 342.4989% | 937 |
| Noncurrent assets plus other real estate owned to assets | 0.1050% | 6,795 |
| Noncurrent loans to loans | 0.3503% | 6,148 |
| Net loans and leases to total assets | 25.9479% | 7,192 |
| Net loans and leases to deposits | 28.2523% | 7,236 |
| Net loans and leases to core deposits | 234.7491% | 53 |
| Total domestic deposits to total assets | 91.8435% | 233 |
| Equity capital to assets | 7.0861% | 7,039 |
| Core capital (leverage) ratio | 7.7455% | 6,600 |
| Tier 1 risk-based capital ratio | 14.6502% | 3,866 |
| Total risk-based capital ratio | 15.2386% | 4,333 |
| Memoranda: | ||
| Average total assets | $4,457,615,000 | 180 |
| Average earning assets | $4,407,191,750 | 166 |
| Average equity | $316,059,250 | 253 |
| Average total loans | $1,196,006,500 | 358 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5720% | 7,410 |
| Cost of funding earning assets | 0.4200% | 7,086 |
| Net interest margin | 2.1520% | 7,327 |
| Noninterest income to average assets | 0.5451% | 3,509 |
| Noninterest expense to average assets | 1.6163% | 7,247 |
| Loan and lease loss provision to assets | 0.3343% | 2,777 |
| Net operating income to assets | 0.4436% | 4,749 |
| Return on assets (ROA) | 0.4116% | 5,046 |
| Pretax return on assets | 0.6708% | 4,494 |
| Return on Equity (ROE) | 5.8044% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.8044% | 2,540 |
| Net charge-offs to loans | 1.0027% | 1,566 |
| Credit loss provision to net charge-offs | 123.2377% | 2,471 |
| Earnings coverage of net charge-offs (x) | 3.8891% | 3,022 |
| Efficiency ratio | 58.8041% | 6,057 |
| Assets per employee ($millions) | 44.2062% | 39 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 4,732 |
| Loan loss allowance to noncurrent loans | 349.6644% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.1165% | 6,808 |
| Noncurrent loans to loans | 0.3917% | 6,118 |
| Net loans and leases to total assets | 25.6937% | 7,289 |
| Net loans and leases to deposits | 28.1522% | 7,325 |
| Net loans and leases to core deposits | 236.2958% | 59 |
| Total domestic deposits to total assets | 91.2672% | 404 |
| Equity capital to assets | 7.2198% | 7,051 |
| Core capital (leverage) ratio | 7.7463% | 6,547 |
| Tier 1 risk-based capital ratio | 15.1593% | 3,419 |
| Total risk-based capital ratio | 15.8503% | 3,698 |
| Memoranda: | ||
| Average total assets | $4,267,271,000 | 192 |
| Average earning assets | $4,216,121,330 | 177 |
| Average equity | $302,634,000 | 264 |
| Average total loans | $1,154,451,670 | 381 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5729% | 7,470 |
| Cost of funding earning assets | 0.4324% | 7,152 |
| Net interest margin | 2.1405% | 7,377 |
| Noninterest income to average assets | 0.5510% | 3,505 |
| Noninterest expense to average assets | 1.7155% | 7,215 |
| Loan and lease loss provision to assets | 0.3571% | 2,416 |
| Net operating income to assets | 0.3691% | 5,082 |
| Return on assets (ROA) | 0.3485% | 5,264 |
| Pretax return on assets | 0.5579% | 4,838 |
| Return on Equity (ROE) | 4.9684% | 4,425 |
| Retained earnings to average equity (ytd only) | 4.9684% | 3,216 |
| Net charge-offs to loans | 1.1018% | 1,252 |
| Credit loss provision to net charge-offs | 117.1983% | 2,312 |
| Earnings coverage of net charge-offs (x) | 3.1082% | 2,854 |
| Efficiency ratio | 62.6360% | 5,578 |
| Assets per employee ($millions) | 40.0126% | 41 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4408% | 4,478 |
| Loan loss allowance to noncurrent loans | 325.9164% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 6,792 |
| Noncurrent loans to loans | 0.4421% | 6,123 |
| Net loans and leases to total assets | 27.3026% | 7,315 |
| Net loans and leases to deposits | 29.7113% | 7,360 |
| Net loans and leases to core deposits | 211.8871% | 67 |
| Total domestic deposits to total assets | 91.8928% | 316 |
| Equity capital to assets | 7.0777% | 7,061 |
| Core capital (leverage) ratio | 7.6475% | 6,607 |
| Tier 1 risk-based capital ratio | 14.3157% | 3,857 |
| Total risk-based capital ratio | 15.0545% | 4,190 |
| Memoranda: | ||
| Average total assets | $3,991,669,500 | 199 |
| Average earning assets | $3,937,863,500 | 186 |
| Average equity | $280,008,000 | 271 |
| Average total loans | $1,104,058,000 | 397 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7580% | 7,521 |
| Cost of funding earning assets | 0.4639% | 7,351 |
| Net interest margin | 2.2941% | 7,371 |
| Noninterest income to average assets | 0.8740% | 1,956 |
| Noninterest expense to average assets | 1.8959% | 7,167 |
| Loan and lease loss provision to assets | 0.4169% | 3,606 |
| Net operating income to assets | 0.4405% | 4,360 |
| Return on assets (ROA) | 0.3222% | 5,021 |
| Pretax return on assets | 0.6256% | 4,242 |
| Return on Equity (ROE) | 4.9022% | 4,110 |
| Retained earnings to average equity (ytd only) | 4.9022% | 2,475 |
| Net charge-offs to loans | 1.2907% | 1,727 |
| Credit loss provision to net charge-offs | 124.4914% | 3,310 |
| Earnings coverage of net charge-offs (x) | 3.6651% | 3,246 |
| Efficiency ratio | 58.9282% | 6,213 |
| Assets per employee ($millions) | 38.2380% | 42 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4937% | 4,051 |
| Loan loss allowance to noncurrent loans | 318.1982% | 972 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 6,850 |
| Noncurrent loans to loans | 0.4694% | 6,103 |
| Net loans and leases to total assets | 27.2011% | 7,424 |
| Net loans and leases to deposits | 29.6169% | 7,464 |
| Net loans and leases to core deposits | 205.9157% | 78 |
| Total domestic deposits to total assets | 91.8432% | 311 |
| Equity capital to assets | 6.9477% | 7,130 |
| Core capital (leverage) ratio | 7.6983% | 6,547 |
| Tier 1 risk-based capital ratio | 14.0501% | 3,835 |
| Total risk-based capital ratio | 14.7919% | 4,134 |
| Memoranda: | ||
| Average total assets | $3,376,462,200 | 226 |
| Average earning assets | $3,310,378,400 | 209 |
| Average equity | $221,942,000 | 320 |
| Average total loans | $875,944,400 | 515 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7824% | 7,649 |
| Cost of funding earning assets | 0.4741% | 7,480 |
| Net interest margin | 2.3084% | 7,482 |
| Noninterest income to average assets | 0.8306% | 2,078 |
| Noninterest expense to average assets | 1.9166% | 7,178 |
| Loan and lease loss provision to assets | 0.4305% | 3,326 |
| Net operating income to assets | 0.4610% | 4,486 |
| Return on assets (ROA) | 0.3022% | 5,325 |
| Pretax return on assets | 0.4960% | 4,941 |
| Return on Equity (ROE) | 4.6766% | 4,461 |
| Retained earnings to average equity (ytd only) | 4.6766% | 3,210 |
| Net charge-offs to loans | 1.2924% | 1,581 |
| Credit loss provision to net charge-offs | 130.9005% | 3,084 |
| Earnings coverage of net charge-offs (x) | 3.5714% | 3,391 |
| Efficiency ratio | 60.0151% | 5,950 |
| Assets per employee ($millions) | 38.0186% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 3,470 |
| Loan loss allowance to noncurrent loans | 261.1861% | 1,133 |
| Noncurrent assets plus other real estate owned to assets | 0.2008% | 6,862 |
| Noncurrent loans to loans | 0.6176% | 5,969 |
| Net loans and leases to total assets | 26.4770% | 7,535 |
| Net loans and leases to deposits | 28.9022% | 7,583 |
| Net loans and leases to core deposits | 191.0938% | 99 |
| Total domestic deposits to total assets | 91.6091% | 277 |
| Equity capital to assets | 6.9925% | 7,343 |
| Core capital (leverage) ratio | 7.8405% | 6,530 |
| Tier 1 risk-based capital ratio | 13.8485% | 3,953 |
| Total risk-based capital ratio | 14.6083% | 4,269 |
| Memoranda: | ||
| Average total assets | $3,255,068,000 | 228 |
| Average earning assets | $3,187,573,000 | 214 |
| Average equity | $210,346,500 | 331 |
| Average total loans | $828,318,750 | 531 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8345% | 7,723 |
| Cost of funding earning assets | 0.4910% | 7,555 |
| Net interest margin | 2.3435% | 7,511 |
| Noninterest income to average assets | 0.8082% | 2,076 |
| Noninterest expense to average assets | 1.9082% | 7,254 |
| Loan and lease loss provision to assets | 0.4737% | 2,948 |
| Net operating income to assets | 0.4349% | 4,604 |
| Return on assets (ROA) | 0.2494% | 5,515 |
| Pretax return on assets | 0.4247% | 5,137 |
| Return on Equity (ROE) | 3.9852% | 4,784 |
| Retained earnings to average equity (ytd only) | 3.9852% | 3,543 |
| Net charge-offs to loans | 1.3249% | 1,433 |
| Credit loss provision to net charge-offs | 143.6750% | 2,766 |
| Earnings coverage of net charge-offs (x) | 3.6041% | 3,247 |
| Efficiency ratio | 59.9238% | 6,060 |
| Assets per employee ($millions) | 36.5540% | 40 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7617% | 2,846 |
| Loan loss allowance to noncurrent loans | 362.3401% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.1630% | 6,977 |
| Noncurrent loans to loans | 0.4862% | 6,274 |
| Net loans and leases to total assets | 25.8284% | 7,612 |
| Net loans and leases to deposits | 27.8677% | 7,669 |
| Net loans and leases to core deposits | 192.4592% | 104 |
| Total domestic deposits to total assets | 92.6822% | 133 |
| Equity capital to assets | 6.3169% | 7,496 |
| Core capital (leverage) ratio | 7.7396% | 6,568 |
| Tier 1 risk-based capital ratio | 13.2797% | 4,224 |
| Total risk-based capital ratio | 14.0624% | 4,558 |
| Memoranda: | ||
| Average total assets | $3,136,169,330 | 238 |
| Average earning assets | $3,062,284,670 | 221 |
| Average equity | $196,278,000 | 351 |
| Average total loans | $780,436,330 | 561 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8682% | 7,825 |
| Cost of funding earning assets | 0.4827% | 7,699 |
| Net interest margin | 2.3855% | 7,541 |
| Noninterest income to average assets | 0.8374% | 1,852 |
| Noninterest expense to average assets | 1.9399% | 7,266 |
| Loan and lease loss provision to assets | 0.5486% | 2,308 |
| Net operating income to assets | 0.4004% | 4,836 |
| Return on assets (ROA) | 0.0146% | 6,358 |
| Pretax return on assets | 0.0655% | 6,219 |
| Return on Equity (ROE) | 0.2338% | 6,342 |
| Retained earnings to average equity (ytd only) | 0.2338% | 5,732 |
| Net charge-offs to loans | 1.5131% | 1,148 |
| Credit loss provision to net charge-offs | 150.4354% | 2,367 |
| Earnings coverage of net charge-offs (x) | 3.3371% | 2,938 |
| Efficiency ratio | 59.7183% | 6,223 |
| Assets per employee ($millions) | 37.0367% | 43 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9399% | 2,335 |
| Loan loss allowance to noncurrent loans | 396.7051% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.1552% | 7,089 |
| Noncurrent loans to loans | 0.4890% | 6,321 |
| Net loans and leases to total assets | 23.2322% | 7,737 |
| Net loans and leases to deposits | 24.8867% | 7,794 |
| Net loans and leases to core deposits | 162.0173% | 183 |
| Total domestic deposits to total assets | 93.3521% | 100 |
| Equity capital to assets | 5.8920% | 7,632 |
| Core capital (leverage) ratio | 7.7692% | 6,541 |
| Tier 1 risk-based capital ratio | 13.3244% | 4,106 |
| Total risk-based capital ratio | 14.0969% | 4,417 |
| Memoranda: | ||
| Average total assets | $3,022,768,000 | 251 |
| Average earning assets | $2,939,266,000 | 236 |
| Average equity | $188,199,000 | 369 |
| Average total loans | $728,565,500 | 620 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2835% | 7,853 |
| Cost of funding earning assets | 0.5260% | 7,820 |
| Net interest margin | 2.7575% | 7,129 |
| Noninterest income to average assets | 1.0468% | 1,418 |
| Noninterest expense to average assets | 2.4505% | 6,304 |
| Loan and lease loss provision to assets | 0.5711% | 3,520 |
| Net operating income to assets | 0.5858% | 3,382 |
| Return on assets (ROA) | -0.0700% | 5,645 |
| Pretax return on assets | -0.0074% | 5,457 |
| Return on Equity (ROE) | -1.1166% | 5,709 |
| Retained earnings to average equity (ytd only) | -1.1166% | 5,289 |
| Net charge-offs to loans | 1.4675% | 1,712 |
| Credit loss provision to net charge-offs | 161.4041% | 2,748 |
| Earnings coverage of net charge-offs (x) | 3.4469% | 3,340 |
| Efficiency ratio | 64.2449% | 5,733 |
| Assets per employee ($millions) | 33.2158% | 50 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9345% | 2,179 |
| Loan loss allowance to noncurrent loans | 360.7527% | 907 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 7,024 |
| Noncurrent loans to loans | 0.5362% | 6,177 |
| Net loans and leases to total assets | 24.0961% | 7,803 |
| Net loans and leases to deposits | 26.0759% | 7,863 |
| Net loans and leases to core deposits | 26.3501% | 7,887 |
| Total domestic deposits to total assets | 92.4073% | 198 |
| Equity capital to assets | 6.6073% | 7,533 |
| Core capital (leverage) ratio | 8.8279% | 4,726 |
| Tier 1 risk-based capital ratio | 14.0925% | 3,443 |
| Total risk-based capital ratio | 14.8332% | 3,713 |
| Memoranda: | ||
| Average total assets | $2,346,970,600 | 307 |
| Average earning assets | $2,232,781,600 | 299 |
| Average equity | $147,239,000 | 459 |
| Average total loans | $565,874,800 | 843 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3189% | 7,956 |
| Cost of funding earning assets | 0.5556% | 7,911 |
| Net interest margin | 2.7633% | 7,109 |
| Noninterest income to average assets | 1.0595% | 1,415 |
| Noninterest expense to average assets | 2.5204% | 6,010 |
| Loan and lease loss provision to assets | 0.5764% | 3,078 |
| Net operating income to assets | 0.5536% | 3,777 |
| Return on assets (ROA) | -0.1252% | 5,960 |
| Pretax return on assets | -0.1295% | 5,884 |
| Return on Equity (ROE) | -2.0298% | 6,102 |
| Retained earnings to average equity (ytd only) | -2.0298% | 5,730 |
| Net charge-offs to loans | 1.4484% | 1,429 |
| Credit loss provision to net charge-offs | 166.0690% | 2,831 |
| Earnings coverage of net charge-offs (x) | 3.3038% | 3,586 |
| Efficiency ratio | 66.2396% | 5,324 |
| Assets per employee ($millions) | 33.4150% | 48 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0573% | 1,678 |
| Loan loss allowance to noncurrent loans | 494.3274% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.2183% | 6,972 |
| Noncurrent loans to loans | 0.4162% | 6,503 |
| Net loans and leases to total assets | 20.6929% | 7,946 |
| Net loans and leases to deposits | 22.4255% | 7,980 |
| Net loans and leases to core deposits | 22.7024% | 7,982 |
| Total domestic deposits to total assets | 92.2740% | 145 |
| Equity capital to assets | 6.5017% | 7,762 |
| Core capital (leverage) ratio | 8.8471% | 4,897 |
| Tier 1 risk-based capital ratio | 14.0071% | 3,548 |
| Total risk-based capital ratio | 14.6779% | 3,841 |
| Memoranda: | ||
| Average total assets | $2,227,877,750 | 335 |
| Average earning assets | $2,102,369,750 | 324 |
| Average equity | $137,412,250 | 497 |
| Average total loans | $533,910,000 | 908 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1070% | 8,068 |
| Cost of funding earning assets | 0.5929% | 7,994 |
| Net interest margin | 2.5141% | 7,465 |
| Noninterest income to average assets | 1.0996% | 1,314 |
| Noninterest expense to average assets | 2.7036% | 5,374 |
| Loan and lease loss provision to assets | 0.5882% | 2,682 |
| Net operating income to assets | 0.0896% | 5,595 |
| Return on assets (ROA) | -0.6778% | 6,735 |
| Pretax return on assets | -1.0539% | 6,855 |
| Return on Equity (ROE) | -11.2694% | 7,128 |
| Retained earnings to average equity (ytd only) | -11.2694% | 6,991 |
| Net charge-offs to loans | 1.4597% | 1,295 |
| Credit loss provision to net charge-offs | 159.4724% | 2,881 |
| Earnings coverage of net charge-offs (x) | 1.9883% | 4,096 |
| Efficiency ratio | 75.7621% | 3,735 |
| Assets per employee ($millions) | 35.3299% | 47 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8984% | 1,799 |
| Loan loss allowance to noncurrent loans | 349.8193% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.1800% | 7,090 |
| Noncurrent loans to loans | 0.5427% | 6,182 |
| Net loans and leases to total assets | 19.9619% | 8,034 |
| Net loans and leases to deposits | 21.4214% | 8,073 |
| Net loans and leases to core deposits | 21.8662% | 8,077 |
| Total domestic deposits to total assets | 93.1866% | 88 |
| Equity capital to assets | 5.8502% | 7,953 |
| Core capital (leverage) ratio | 8.7879% | 4,958 |
| Tier 1 risk-based capital ratio | 13.7233% | 3,676 |
| Total risk-based capital ratio | 14.3077% | 4,026 |
| Memoranda: | ||
| Average total assets | $2,034,883,670 | 369 |
| Average earning assets | $1,891,865,670 | 354 |
| Average equity | $122,384,670 | 559 |
| Average total loans | $514,206,670 | 970 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0951% | 8,185 |
| Cost of funding earning assets | 0.6593% | 8,015 |
| Net interest margin | 1.4359% | 8,075 |
| Noninterest income to average assets | 1.0645% | 1,310 |
| Noninterest expense to average assets | 2.9908% | 3,809 |
| Loan and lease loss provision to assets | 0.6326% | 1,996 |
| Net operating income to assets | -0.8247% | 7,140 |
| Return on assets (ROA) | -2.0329% | 7,667 |
| Pretax return on assets | -3.1081% | 7,779 |
| Return on Equity (ROE) | -33.0587% | 7,927 |
| Retained earnings to average equity (ytd only) | -33.0587% | 7,887 |
| Net charge-offs to loans | 1.5595% | 926 |
| Credit loss provision to net charge-offs | 138.3490% | 2,938 |
| Earnings coverage of net charge-offs (x) | -1.3490% | 5,414 |
| Efficiency ratio | 120.9398% | 615 |
| Assets per employee ($millions) | 20.8059% | 77 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8611% | 1,715 |
| Loan loss allowance to noncurrent loans | 240.6443% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3072% | 6,602 |
| Noncurrent loans to loans | 0.7734% | 5,499 |
| Net loans and leases to total assets | 26.2934% | 7,996 |
| Net loans and leases to deposits | 29.2592% | 8,051 |
| Net loans and leases to core deposits | 29.5984% | 8,091 |
| Total domestic deposits to total assets | 89.8637% | 861 |
| Equity capital to assets | 7.9973% | 6,815 |
| Core capital (leverage) ratio | 12.0205% | 1,895 |
| Tier 1 risk-based capital ratio | 15.2313% | 2,957 |
| Total risk-based capital ratio | 15.8355% | 3,193 |
| Memoranda: | ||
| Average total assets | $1,674,459,000 | 435 |
| Average earning assets | $1,527,178,000 | 435 |
| Average equity | $102,968,500 | 652 |
| Average total loans | $490,939,500 | 1,026 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8456% | 7,929 |
| Cost of funding earning assets | 2.1353% | 5,904 |
| Net interest margin | 2.7103% | 7,484 |
| Noninterest income to average assets | 1.0105% | 1,547 |
| Noninterest expense to average assets | 3.3858% | 2,716 |
| Loan and lease loss provision to assets | 14.3142% | 7 |
| Net operating income to assets | -9.0602% | 8,245 |
| Return on assets (ROA) | -9.0003% | 8,242 |
| Pretax return on assets | -14.0584% | 8,276 |
| Return on Equity (ROE) | -143.9023% | 8,293 |
| Retained earnings to average equity (ytd only) | -143.9023% | 8,292 |
| Net charge-offs to loans | 1.1947% | 1,013 |
| Credit loss provision to net charge-offs | 4,287.9417% | 117 |
| Earnings coverage of net charge-offs (x) | 0.4861% | 5,944 |
| Efficiency ratio | 92.1655% | 1,374 |
| Assets per employee ($millions) | 14.9130% | 110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7968% | 1,643 |
| Loan loss allowance to noncurrent loans | 324.9718% | 1,254 |
| Noncurrent assets plus other real estate owned to assets | 0.3310% | 6,278 |
| Noncurrent loans to loans | 0.5529% | 5,703 |
| Net loans and leases to total assets | 31.9403% | 7,947 |
| Net loans and leases to deposits | 33.7498% | 8,062 |
| Net loans and leases to core deposits | 34.0063% | 8,125 |
| Total domestic deposits to total assets | 94.6385% | 15 |
| Equity capital to assets | 3.8055% | 8,254 |
| Core capital (leverage) ratio | 7.3601% | 7,348 |
| Tier 1 risk-based capital ratio | 14.4732% | 3,309 |
| Total risk-based capital ratio | 15.5800% | 3,302 |
| Memoranda: | ||
| Average total assets | $1,500,488,800 | 466 |
| Average earning assets | $1,404,873,800 | 455 |
| Average equity | $93,847,000 | 715 |
| Average total loans | $419,273,600 | 1,143 |