Home > Boston Trust Walden Company > Performance and Condition Ratios
Boston Trust Walden Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5159% | 158 |
| Cost of funding earning assets | 0.0437% | 4,502 |
| Net interest margin | 7.4722% | 40 |
| Noninterest income to average assets | 103.4100% | 24 |
| Noninterest expense to average assets | 63.4485% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 39.4820% | 8 |
| Return on assets (ROA) | 39.4820% | 9 |
| Pretax return on assets | 41.0903% | 12 |
| Return on Equity (ROE) | 64.4300% | 31 |
| Retained earnings to average equity (ytd only) | -0.2566% | 4,117 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 60.6937% | 3,003 |
| Assets per employee ($millions) | 0.9063% | 4,494 |
| Cash dividends to net income (ytd only)* | 100.3983% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 13 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0600% | 4,473 |
| Net loans and leases to deposits | 8.8000% | 4,457 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 0.6300% | 4,537 |
| Equity capital to assets | 63.7136% | 120 |
| Core capital (leverage) ratio | 36.8546% | 99 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.6722% | 96 |
| Memoranda: | ||
| Average total assets | $75,672,400 | 4,056 |
| Average earning assets | $11,442,400 | 4,511 |
| Average equity | $46,369,000 | 1,697 |
| Average total loans | $50,000 | 4,474 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2225% | 407 |
| Cost of funding earning assets | 0.0344% | 4,530 |
| Net interest margin | 6.1880% | 93 |
| Noninterest income to average assets | 102.4100% | 24 |
| Noninterest expense to average assets | 62.5632% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 39.3210% | 9 |
| Return on assets (ROA) | 39.3210% | 9 |
| Pretax return on assets | 40.8096% | 13 |
| Return on Equity (ROE) | 64.8500% | 46 |
| Retained earnings to average equity (ytd only) | -23.2375% | 4,558 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 60.5219% | 2,904 |
| Assets per employee ($millions) | 0.9990% | 4,519 |
| Cash dividends to net income (ytd only)* | 135.8330% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 11 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0500% | 4,499 |
| Net loans and leases to deposits | 8.8000% | 4,487 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 0.5800% | 4,571 |
| Equity capital to assets | 49.3971% | 132 |
| Core capital (leverage) ratio | 25.5604% | 158 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.8203% | 193 |
| Memoranda: | ||
| Average total assets | $74,879,250 | 4,081 |
| Average earning assets | $11,613,500 | 4,538 |
| Average equity | $45,402,500 | 1,709 |
| Average total loans | $50,000 | 4,500 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1623% | 366 |
| Cost of funding earning assets | 0.0418% | 4,553 |
| Net interest margin | 6.1205% | 101 |
| Noninterest income to average assets | 106.5500% | 25 |
| Noninterest expense to average assets | 64.0565% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 41.8008% | 7 |
| Return on assets (ROA) | 41.8008% | 7 |
| Pretax return on assets | 43.3176% | 12 |
| Return on Equity (ROE) | 64.1600% | 42 |
| Retained earnings to average equity (ytd only) | -10.6144% | 4,522 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 59.6573% | 2,998 |
| Assets per employee ($millions) | 0.9980% | 4,550 |
| Cash dividends to net income (ytd only)* | 116.5446% | 205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 15 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0500% | 4,530 |
| Net loans and leases to deposits | 8.8000% | 4,515 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 0.5900% | 4,591 |
| Equity capital to assets | 56.4558% | 123 |
| Core capital (leverage) ratio | 42.2394% | 91 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.2654% | 115 |
| Memoranda: | ||
| Average total assets | $71,199,667 | 4,134 |
| Average earning assets | $9,574,333 | 4,574 |
| Average equity | $46,389,667 | 1,686 |
| Average total loans | $50,000 | 4,531 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2752% | 27 |
| Cost of funding earning assets | 0.0612% | 4,568 |
| Net interest margin | 10.2141% | 19 |
| Noninterest income to average assets | 115.7800% | 25 |
| Noninterest expense to average assets | 70.2721% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 45.1230% | 6 |
| Return on assets (ROA) | 45.1230% | 6 |
| Pretax return on assets | 46.5457% | 10 |
| Return on Equity (ROE) | 63.6600% | 53 |
| Retained earnings to average equity (ytd only) | -82.6583% | 4,682 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 60.1553% | 2,940 |
| Assets per employee ($millions) | 0.8760% | 4,618 |
| Cash dividends to net income (ytd only)* | 229.8499% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 8 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0600% | 4,603 |
| Net loans and leases to deposits | 8.8000% | 4,587 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 0.7000% | 4,634 |
| Equity capital to assets | 56.9720% | 76 |
| Core capital (leverage) ratio | 42.2369% | 94 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.4202% | 209 |
| Memoranda: | ||
| Average total assets | $64,384,000 | 4,260 |
| Average earning assets | $6,540,000 | 4,656 |
| Average equity | $45,638,500 | 1,722 |
| Average total loans | $50,000 | 4,603 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0032% | 4,131 |
| Cost of funding earning assets | 0.0442% | 4,585 |
| Net interest margin | 2.9591% | 3,550 |
| Noninterest income to average assets | 124.7700% | 20 |
| Noninterest expense to average assets | 75.7370% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 47.5943% | 7 |
| Return on assets (ROA) | 47.5943% | 7 |
| Pretax return on assets | 49.6139% | 10 |
| Return on Equity (ROE) | 58.6100% | 25 |
| Retained earnings to average equity (ytd only) | 0.0872% | 4,327 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 60.4200% | 2,994 |
| Assets per employee ($millions) | 0.7029% | 4,661 |
| Cash dividends to net income (ytd only)* | 99.8513% | 210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 7 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0800% | 4,633 |
| Net loans and leases to deposits | 8.8000% | 4,620 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 0.8800% | 4,664 |
| Equity capital to assets | 88.4365% | 37 |
| Core capital (leverage) ratio | 62.7186% | 72 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 125.5250% | 56 |
| Memoranda: | ||
| Average total assets | $57,933,400 | 4,354 |
| Average earning assets | $11,321,200 | 4,671 |
| Average equity | $47,044,600 | 1,702 |
| Average total loans | $50,000 | 4,637 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3282% | 4,674 |
| Cost of funding earning assets | 0.0458% | 4,593 |
| Net interest margin | 1.2824% | 4,666 |
| Noninterest income to average assets | 123.7600% | 20 |
| Noninterest expense to average assets | 72.7466% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 49.3999% | 7 |
| Return on assets (ROA) | 49.3999% | 7 |
| Pretax return on assets | 51.2675% | 9 |
| Return on Equity (ROE) | 62.1900% | 22 |
| Retained earnings to average equity (ytd only) | -17.2370% | 4,721 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 58.6599% | 3,306 |
| Assets per employee ($millions) | 0.8058% | 4,694 |
| Cash dividends to net income (ytd only)* | 127.7172% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 6 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0700% | 4,678 |
| Net loans and leases to deposits | 8.8000% | 4,661 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 0.7900% | 4,708 |
| Equity capital to assets | 69.6530% | 70 |
| Core capital (leverage) ratio | 50.6954% | 85 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 87.1415% | 68 |
| Memoranda: | ||
| Average total assets | $58,182,250 | 4,389 |
| Average earning assets | $11,644,750 | 4,708 |
| Average equity | $46,217,250 | 1,744 |
| Average total loans | $50,000 | 4,679 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8607% | 4,745 |
| Cost of funding earning assets | 0.0400% | 4,651 |
| Net interest margin | 0.8207% | 4,743 |
| Noninterest income to average assets | 130.3291% | 8 |
| Noninterest expense to average assets | 71.9409% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 57.3767% | 2 |
| Return on assets (ROA) | 57.3767% | 2 |
| Pretax return on assets | 58.5336% | 2 |
| Return on Equity (ROE) | 69.0301% | 9 |
| Retained earnings to average equity (ytd only) | -0.0640% | 4,178 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.1379% | 3,858 |
| Assets per employee ($millions) | 0.8051% | 4,741 |
| Cash dividends to net income (ytd only)* | 100.0928% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 7 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 0.0701% | 4,739 |
| Net loans and leases to deposits | 8.8000% | 4,722 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.7962% | 4,771 |
| Equity capital to assets | 80.0991% | 26 |
| Core capital (leverage) ratio | 84.4639% | 27 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 117.9899% | 25 |
| Memoranda: | ||
| Average total assets | $56,357,333 | 4,453 |
| Average earning assets | $9,991,667 | 4,757 |
| Average equity | $46,843,333 | 1,765 |
| Average total loans | $50,000 | 4,741 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2395% | 4,789 |
| Cost of funding earning assets | 0.0599% | 4,527 |
| Net interest margin | 0.1796% | 4,788 |
| Noninterest income to average assets | 141.0742% | 8 |
| Noninterest expense to average assets | 95.2614% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 43.5545% | 5 |
| Return on assets (ROA) | 43.5545% | 5 |
| Pretax return on assets | 45.8354% | 6 |
| Return on Equity (ROE) | 51.2994% | 19 |
| Retained earnings to average equity (ytd only) | -92.1812% | 4,789 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5149% | 2,565 |
| Assets per employee ($millions) | 0.6506% | 4,773 |
| Cash dividends to net income (ytd only)* | 279.6924% | 120 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 7 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 0.0867% | 4,766 |
| Net loans and leases to deposits | 8.8000% | 4,751 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.9853% | 4,794 |
| Equity capital to assets | 78.6635% | 24 |
| Core capital (leverage) ratio | 44.2154% | 40 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 70.3960% | 41 |
| Memoranda: | ||
| Average total assets | $53,138,000 | 4,505 |
| Average earning assets | $6,681,000 | 4,790 |
| Average equity | $45,115,500 | 1,886 |
| Average total loans | $50,000 | 4,769 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5669% | 4,809 |
| Cost of funding earning assets | 0.0586% | 4,648 |
| Net interest margin | 0.5083% | 4,808 |
| Noninterest income to average assets | 133.5462% | 9 |
| Noninterest expense to average assets | 76.3921% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 54.9882% | 2 |
| Return on assets (ROA) | 54.9882% | 2 |
| Pretax return on assets | 57.2493% | 3 |
| Return on Equity (ROE) | 67.7040% | 6 |
| Retained earnings to average equity (ytd only) | 12.6887% | 440 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1620% | 3,561 |
| Assets per employee ($millions) | 0.7212% | 4,811 |
| Cash dividends to net income (ytd only)* | 81.2585% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 6 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 0.0792% | 4,812 |
| Net loans and leases to deposits | 8.8000% | 4,794 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.9004% | 4,838 |
| Equity capital to assets | 90.6036% | 10 |
| Core capital (leverage) ratio | 60.1690% | 24 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 122.7307% | 24 |
| Memoranda: | ||
| Average total assets | $54,620,800 | 4,511 |
| Average earning assets | $10,231,000 | 4,826 |
| Average equity | $44,362,200 | 1,940 |
| Average total loans | $50,000 | 4,812 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4770% | 4,896 |
| Cost of funding earning assets | 0.0645% | 4,716 |
| Net interest margin | 0.4126% | 4,894 |
| Noninterest income to average assets | 130.6018% | 9 |
| Noninterest expense to average assets | 74.6499% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 53.7703% | 2 |
| Return on assets (ROA) | 53.7703% | 2 |
| Pretax return on assets | 56.0303% | 3 |
| Return on Equity (ROE) | 68.2164% | 8 |
| Retained earnings to average equity (ytd only) | -7.6843% | 4,824 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1241% | 3,401 |
| Assets per employee ($millions) | 0.8893% | 4,883 |
| Cash dividends to net income (ytd only)* | 111.2646% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 6 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 0.0707% | 4,883 |
| Net loans and leases to deposits | 8.8000% | 4,867 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8032% | 4,915 |
| Equity capital to assets | 67.8153% | 26 |
| Core capital (leverage) ratio | 49.4924% | 36 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 77.8565% | 41 |
| Memoranda: | ||
| Average total assets | $54,393,000 | 4,577 |
| Average earning assets | $10,341,500 | 4,899 |
| Average equity | $42,874,250 | 2,011 |
| Average total loans | $50,000 | 4,884 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8030% | 4,921 |
| Cost of funding earning assets | 0.0487% | 4,828 |
| Net interest margin | 0.7544% | 4,920 |
| Noninterest income to average assets | 133.4454% | 9 |
| Noninterest expense to average assets | 73.8556% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 57.5424% | 2 |
| Return on assets (ROA) | 57.5424% | 2 |
| Pretax return on assets | 59.7095% | 3 |
| Return on Equity (ROE) | 69.1326% | 7 |
| Retained earnings to average equity (ytd only) | 7.8572% | 2,126 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2956% | 3,627 |
| Assets per employee ($millions) | 0.8512% | 4,918 |
| Cash dividends to net income (ytd only)* | 88.6345% | 378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 7 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 0.0738% | 4,921 |
| Net loans and leases to deposits | 8.8000% | 4,905 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.8392% | 4,950 |
| Equity capital to assets | 77.8419% | 24 |
| Core capital (leverage) ratio | 85.8622% | 20 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 104.9748% | 29 |
| Memoranda: | ||
| Average total assets | $51,774,000 | 4,636 |
| Average earning assets | $8,218,667 | 4,942 |
| Average equity | $43,094,000 | 1,989 |
| Average total loans | $50,000 | 4,922 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3422% | 4,964 |
| Cost of funding earning assets | 0.0856% | 4,722 |
| Net interest margin | 0.2567% | 4,965 |
| Noninterest income to average assets | 139.8857% | 8 |
| Noninterest expense to average assets | 80.9434% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 56.6612% | 2 |
| Return on assets (ROA) | 56.6612% | 2 |
| Pretax return on assets | 58.9674% | 3 |
| Return on Equity (ROE) | 65.4355% | 15 |
| Retained earnings to average equity (ytd only) | -61.9712% | 4,967 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8536% | 3,323 |
| Assets per employee ($millions) | 0.6484% | 4,953 |
| Cash dividends to net income (ytd only)* | 194.7058% | 122 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 9 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | 0.0000% | 4,341 |
| Net loans and leases to total assets | 0.0942% | 4,948 |
| Net loans and leases to deposits | 8.8000% | 4,932 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0710% | 4,977 |
| Equity capital to assets | 81.9599% | 19 |
| Core capital (leverage) ratio | 51.6049% | 29 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 71.5819% | 41 |
| Memoranda: | ||
| Average total assets | $47,870,500 | 4,697 |
| Average earning assets | $4,675,000 | 4,973 |
| Average equity | $41,451,500 | 2,039 |
| Average total loans | $50,000 | 4,948 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2414% | 4,960 |
| Cost of funding earning assets | 0.0828% | 4,907 |
| Net interest margin | 1.1586% | 4,949 |
| Noninterest income to average assets | 110.7274% | 10 |
| Noninterest expense to average assets | 62.8026% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 46.1540% | 2 |
| Return on assets (ROA) | 46.1540% | 2 |
| Pretax return on assets | 48.0971% | 4 |
| Return on Equity (ROE) | 54.8562% | 16 |
| Retained earnings to average equity (ytd only) | 2.3021% | 3,703 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6301% | 3,904 |
| Assets per employee ($millions) | 0.7214% | 4,976 |
| Cash dividends to net income (ytd only)* | 95.8033% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 9 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 0.0897% | 4,972 |
| Net loans and leases to deposits | 8.8000% | 4,956 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0192% | 4,999 |
| Equity capital to assets | 90.9980% | 10 |
| Core capital (leverage) ratio | 72.6392% | 22 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 115.6921% | 25 |
| Memoranda: | ||
| Average total assets | $48,736,800 | 4,671 |
| Average earning assets | $7,250,000 | 4,992 |
| Average equity | $41,005,400 | 1,988 |
| Average total loans | $50,000 | 4,973 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4507% | 4,998 |
| Cost of funding earning assets | 0.0896% | 4,944 |
| Net interest margin | 1.3612% | 4,977 |
| Noninterest income to average assets | 106.3746% | 12 |
| Noninterest expense to average assets | 60.7119% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 43.9200% | 2 |
| Return on assets (ROA) | 43.9200% | 2 |
| Pretax return on assets | 45.8710% | 5 |
| Return on Equity (ROE) | 53.2964% | 19 |
| Retained earnings to average equity (ytd only) | -16.5961% | 4,976 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9622% | 3,797 |
| Assets per employee ($millions) | 0.7458% | 5,002 |
| Cash dividends to net income (ytd only)* | 131.1393% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 12 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 0.0843% | 5,004 |
| Net loans and leases to deposits | 8.8000% | 4,988 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.9578% | 5,031 |
| Equity capital to assets | 74.1418% | 22 |
| Core capital (leverage) ratio | 52.7435% | 30 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 78.2958% | 43 |
| Memoranda: | ||
| Average total assets | $48,657,000 | 4,692 |
| Average earning assets | $7,444,250 | 5,024 |
| Average equity | $40,096,750 | 2,013 |
| Average total loans | $50,000 | 5,005 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3596% | 4,988 |
| Cost of funding earning assets | 0.0931% | 4,982 |
| Net interest margin | 2.2665% | 4,846 |
| Noninterest income to average assets | 105.6016% | 12 |
| Noninterest expense to average assets | 60.5460% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 43.3115% | 2 |
| Return on assets (ROA) | 43.3115% | 2 |
| Pretax return on assets | 45.3631% | 5 |
| Return on Equity (ROE) | 50.6944% | 15 |
| Retained earnings to average equity (ytd only) | -11.7059% | 4,941 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1679% | 3,790 |
| Assets per employee ($millions) | 0.7394% | 5,038 |
| Cash dividends to net income (ytd only)* | 123.0911% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 10 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 0.0862% | 5,038 |
| Net loans and leases to deposits | 8.8000% | 5,026 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.9800% | 5,065 |
| Equity capital to assets | 80.9882% | 19 |
| Core capital (leverage) ratio | 66.8683% | 27 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 103.8218% | 34 |
| Memoranda: | ||
| Average total assets | $47,474,667 | 4,724 |
| Average earning assets | $6,441,667 | 5,058 |
| Average equity | $40,560,667 | 1,972 |
| Average total loans | $50,000 | 5,037 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.6473% | 23 |
| Cost of funding earning assets | 0.2412% | 4,793 |
| Net interest margin | 9.4061% | 20 |
| Noninterest income to average assets | 107.8564% | 13 |
| Noninterest expense to average assets | 61.6785% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 44.5150% | 2 |
| Return on assets (ROA) | 44.5150% | 2 |
| Pretax return on assets | 46.5193% | 5 |
| Return on Equity (ROE) | 50.6315% | 13 |
| Retained earnings to average equity (ytd only) | -69.9742% | 5,100 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0053% | 4,115 |
| Assets per employee ($millions) | 0.6842% | 5,085 |
| Cash dividends to net income (ytd only)* | 238.2029% | 223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 7 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 0.1021% | 5,085 |
| Net loans and leases to deposits | 8.8000% | 5,072 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1599% | 5,113 |
| Equity capital to assets | 85.0601% | 22 |
| Core capital (leverage) ratio | 47.8339% | 35 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 82.8809% | 41 |
| Memoranda: | ||
| Average total assets | $45,701,500 | 4,773 |
| Average earning assets | $1,658,500 | 5,114 |
| Average equity | $40,180,500 | 1,980 |
| Average total loans | $50,000 | 5,085 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.1777% | 15 |
| Cost of funding earning assets | 0.2653% | 4,811 |
| Net interest margin | 12.9124% | 11 |
| Noninterest income to average assets | 105.3297% | 13 |
| Noninterest expense to average assets | 59.2468% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 45.1331% | 3 |
| Return on assets (ROA) | 45.1331% | 3 |
| Pretax return on assets | 46.6832% | 5 |
| Return on Equity (ROE) | 53.4271% | 8 |
| Retained earnings to average equity (ytd only) | 1.0270% | 4,374 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9301% | 4,211 |
| Assets per employee ($millions) | 0.7430% | 5,141 |
| Cash dividends to net income (ytd only)* | 98.0777% | 345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 6 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | 0.0000% | 4,619 |
| Net loans and leases to total assets | 0.0911% | 5,147 |
| Net loans and leases to deposits | 8.8000% | 5,136 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0353% | 5,175 |
| Equity capital to assets | 90.4715% | 17 |
| Core capital (leverage) ratio | 70.9826% | 31 |
| Tier 1 risk-based capital ratio | 123.2258% | 39 |
| Total risk-based capital ratio | 123.2711% | 39 |
| Memoranda: | ||
| Average total assets | $48,640,600 | 4,773 |
| Average earning assets | $2,261,400 | 5,174 |
| Average equity | $41,089,600 | 1,883 |
| Average total loans | $49,000 | 5,148 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3698% | 17 |
| Cost of funding earning assets | 0.2839% | 4,837 |
| Net interest margin | 12.0860% | 14 |
| Noninterest income to average assets | 102.3729% | 13 |
| Noninterest expense to average assets | 57.9520% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 43.6275% | 4 |
| Return on assets (ROA) | 43.6275% | 4 |
| Pretax return on assets | 45.0038% | 6 |
| Return on Equity (ROE) | 52.5694% | 9 |
| Retained earnings to average equity (ytd only) | -16.3076% | 5,191 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2882% | 4,140 |
| Assets per employee ($millions) | 0.8299% | 5,217 |
| Cash dividends to net income (ytd only)* | 131.0211% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 6 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 0.0855% | 5,225 |
| Net loans and leases to deposits | 8.8000% | 5,215 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.9718% | 5,255 |
| Equity capital to assets | 74.4913% | 28 |
| Core capital (leverage) ratio | 49.8876% | 38 |
| Tier 1 risk-based capital ratio | 83.6487% | 51 |
| Total risk-based capital ratio | 83.6948% | 52 |
| Memoranda: | ||
| Average total assets | $48,726,500 | 4,837 |
| Average earning assets | $2,349,750 | 5,253 |
| Average equity | $40,438,250 | 1,918 |
| Average total loans | $48,750 | 5,225 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3720% | 17 |
| Cost of funding earning assets | 0.2560% | 4,939 |
| Net interest margin | 12.1160% | 14 |
| Noninterest income to average assets | 101.9832% | 13 |
| Noninterest expense to average assets | 58.0789% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 43.2016% | 4 |
| Return on assets (ROA) | 43.2016% | 6 |
| Pretax return on assets | 44.4982% | 7 |
| Return on Equity (ROE) | 50.2119% | 11 |
| Retained earnings to average equity (ytd only) | -4.1612% | 5,026 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6198% | 4,176 |
| Assets per employee ($millions) | 0.8481% | 5,263 |
| Cash dividends to net income (ytd only)* | 108.2873% | 326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 6 |
| 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 | 0.0000% | 4,745 |
| Net loans and leases to total assets | 0.0850% | 5,272 |
| Net loans and leases to deposits | 8.8000% | 5,263 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.9665% | 5,301 |
| Equity capital to assets | 81.9909% | 23 |
| Core capital (leverage) ratio | 82.3258% | 26 |
| Tier 1 risk-based capital ratio | 117.4633% | 37 |
| Total risk-based capital ratio | 117.5104% | 38 |
| Memoranda: | ||
| Average total assets | $47,817,670 | 4,892 |
| Average earning assets | $2,344,000 | 5,300 |
| Average equity | $41,141,670 | 1,887 |
| Average total loans | $48,330 | 5,273 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.6538% | 17 |
| Cost of funding earning assets | 0.1714% | 5,175 |
| Net interest margin | 11.4824% | 13 |
| Noninterest income to average assets | 103.1771% | 12 |
| Noninterest expense to average assets | 59.1814% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 43.6294% | 4 |
| Return on assets (ROA) | 43.6294% | 4 |
| Pretax return on assets | 44.5801% | 6 |
| Return on Equity (ROE) | 49.3982% | 15 |
| Retained earnings to average equity (ytd only) | -54.7212% | 5,336 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0360% | 4,216 |
| Assets per employee ($millions) | 0.6993% | 5,326 |
| Cash dividends to net income (ytd only)* | 210.7757% | 169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 12.0000% | 6 |
| 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 | 0.0000% | 4,814 |
| Net loans and leases to total assets | 0.0999% | 5,332 |
| Net loans and leases to deposits | 8.8000% | 5,319 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1348% | 5,360 |
| Equity capital to assets | 85.6420% | 18 |
| Core capital (leverage) ratio | 54.5180% | 32 |
| Tier 1 risk-based capital ratio | 91.6964% | 45 |
| Total risk-based capital ratio | 91.7499% | 45 |
| Memoranda: | ||
| Average total assets | $45,859,000 | 4,981 |
| Average earning assets | $2,334,000 | 5,360 |
| Average equity | $40,503,500 | 1,908 |
| Average total loans | $47,500 | 5,333 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.6934% | 12 |
| Cost of funding earning assets | 0.3471% | 4,298 |
| Net interest margin | 12.3463% | 10 |
| Noninterest income to average assets | 96.6726% | 12 |
| Noninterest expense to average assets | 54.8587% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 40.4353% | 5 |
| Return on assets (ROA) | 40.4353% | 5 |
| Pretax return on assets | 42.3364% | 6 |
| Return on Equity (ROE) | 47.6347% | 8 |
| Retained earnings to average equity (ytd only) | 2.8426% | 3,980 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4419% | 4,353 |
| Assets per employee ($millions) | 0.7943% | 5,367 |
| Cash dividends to net income (ytd only)* | 94.0325% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 9 |
| 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 | 0.0000% | 4,837 |
| Net loans and leases to total assets | 0.0860% | 5,377 |
| Net loans and leases to deposits | 8.2000% | 5,366 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0491% | 5,402 |
| Equity capital to assets | 90.7992% | 15 |
| Core capital (leverage) ratio | 65.1433% | 31 |
| Tier 1 risk-based capital ratio | 141.9141% | 35 |
| Total risk-based capital ratio | 141.9500% | 35 |
| Memoranda: | ||
| Average total assets | $47,658,800 | 4,983 |
| Average earning assets | $2,016,800 | 5,403 |
| Average equity | $40,455,800 | 1,837 |
| Average total loans | $45,000 | 5,379 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2178% | 21 |
| Cost of funding earning assets | 0.3431% | 4,232 |
| Net interest margin | 9.8753% | 15 |
| Noninterest income to average assets | 97.4767% | 12 |
| Noninterest expense to average assets | 55.0315% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 41.4212% | 5 |
| Return on assets (ROA) | 41.4212% | 5 |
| Pretax return on assets | 42.8480% | 6 |
| Return on Equity (ROE) | 49.6609% | 8 |
| Retained earnings to average equity (ytd only) | -8.7207% | 5,374 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2237% | 4,360 |
| Assets per employee ($millions) | 0.8623% | 5,434 |
| Cash dividends to net income (ytd only)* | 117.5604% | 163 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 8 |
| 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 | 0.0000% | 4,954 |
| Net loans and leases to total assets | 0.0792% | 5,449 |
| Net loans and leases to deposits | 8.2000% | 5,441 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.9664% | 5,475 |
| Equity capital to assets | 76.3896% | 26 |
| Core capital (leverage) ratio | 55.8990% | 34 |
| Tier 1 risk-based capital ratio | 94.3796% | 43 |
| Total risk-based capital ratio | 94.4112% | 44 |
| Memoranda: | ||
| Average total assets | $47,658,750 | 5,033 |
| Average earning assets | $1,944,250 | 5,475 |
| Average equity | $39,751,250 | 1,871 |
| Average total loans | $45,000 | 5,450 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.8478% | 24 |
| Cost of funding earning assets | 0.3077% | 4,370 |
| Net interest margin | 9.5401% | 19 |
| Noninterest income to average assets | 98.4096% | 12 |
| Noninterest expense to average assets | 56.4470% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 40.8265% | 5 |
| Return on assets (ROA) | 40.8265% | 5 |
| Pretax return on assets | 42.3644% | 6 |
| Return on Equity (ROE) | 47.4603% | 9 |
| Retained earnings to average equity (ytd only) | -7.1158% | 5,363 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1260% | 4,345 |
| Assets per employee ($millions) | 0.8393% | 5,499 |
| Cash dividends to net income (ytd only)* | 114.9931% | 278 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 8 |
| 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 | 0.0000% | 4,980 |
| Net loans and leases to total assets | 0.0828% | 5,513 |
| Net loans and leases to deposits | 8.2000% | 5,504 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0097% | 5,539 |
| Equity capital to assets | 82.2048% | 26 |
| Core capital (leverage) ratio | 80.0925% | 26 |
| Tier 1 risk-based capital ratio | 108.8983% | 40 |
| Total risk-based capital ratio | 108.9314% | 40 |
| Memoranda: | ||
| Average total assets | $46,298,330 | 5,119 |
| Average earning assets | $1,949,670 | 5,539 |
| Average equity | $39,827,000 | 1,868 |
| Average total loans | $45,000 | 5,514 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3451% | 47 |
| Cost of funding earning assets | 0.2040% | 4,995 |
| Net interest margin | 7.1410% | 34 |
| Noninterest income to average assets | 100.7608% | 12 |
| Noninterest expense to average assets | 57.4651% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 41.8278% | 5 |
| Return on assets (ROA) | 41.8278% | 5 |
| Pretax return on assets | 43.6090% | 6 |
| Return on Equity (ROE) | 47.4573% | 12 |
| Retained earnings to average equity (ytd only) | -55.5818% | 5,590 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8544% | 4,481 |
| Assets per employee ($millions) | 0.7118% | 5,564 |
| Cash dividends to net income (ytd only)* | 217.1196% | 168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 11 |
| 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 | 0.0000% | 5,035 |
| Net loans and leases to total assets | 0.0960% | 5,577 |
| Net loans and leases to deposits | 8.2000% | 5,564 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1708% | 5,603 |
| Equity capital to assets | 85.8173% | 21 |
| Core capital (leverage) ratio | 50.2818% | 37 |
| Tier 1 risk-based capital ratio | 86.8805% | 49 |
| Total risk-based capital ratio | 86.9187% | 51 |
| Memoranda: | ||
| Average total assets | $44,688,000 | 5,214 |
| Average earning assets | $1,960,500 | 5,603 |
| Average equity | $39,387,000 | 1,896 |
| Average total loans | $45,000 | 5,578 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4019% | 83 |
| Cost of funding earning assets | 0.2501% | 4,563 |
| Net interest margin | 6.1518% | 61 |
| Noninterest income to average assets | 93.7103% | 14 |
| Noninterest expense to average assets | 53.1715% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 39.6070% | 4 |
| Return on assets (ROA) | 39.6070% | 4 |
| Pretax return on assets | 40.8029% | 6 |
| Return on Equity (ROE) | 46.8485% | 11 |
| Retained earnings to average equity (ytd only) | 2.1256% | 4,044 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5808% | 4,705 |
| Assets per employee ($millions) | 0.7778% | 5,628 |
| Cash dividends to net income (ytd only)* | 95.4629% | 441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 7 |
| 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 | 0.0000% | 5,081 |
| Net loans and leases to total assets | 0.0879% | 5,641 |
| Net loans and leases to deposits | 8.2000% | 5,633 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0714% | 5,668 |
| Equity capital to assets | 90.2612% | 11 |
| Core capital (leverage) ratio | 65.5703% | 30 |
| Tier 1 risk-based capital ratio | 131.3001% | 31 |
| Total risk-based capital ratio | 131.3362% | 31 |
| Memoranda: | ||
| Average total assets | $46,577,600 | 5,220 |
| Average earning assets | $1,999,400 | 5,668 |
| Average equity | $39,378,000 | 1,882 |
| Average total loans | $45,000 | 5,644 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 1,375 |
| Cost of funding earning assets | 0.2664% | 4,436 |
| Net interest margin | 4.3308% | 853 |
| Noninterest income to average assets | 92.3535% | 15 |
| Noninterest expense to average assets | 52.5218% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 39.0985% | 5 |
| Return on assets (ROA) | 39.0985% | 5 |
| Pretax return on assets | 40.0178% | 7 |
| Return on Equity (ROE) | 47.0445% | 13 |
| Retained earnings to average equity (ytd only) | -11.1064% | 5,621 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7560% | 4,641 |
| Assets per employee ($millions) | 0.8290% | 5,692 |
| Cash dividends to net income (ytd only)* | 123.6083% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 6 |
| 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 | 0.0000% | 5,172 |
| Net loans and leases to total assets | 0.0824% | 5,705 |
| Net loans and leases to deposits | 8.2000% | 5,701 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0053% | 5,734 |
| Equity capital to assets | 76.5306% | 28 |
| Core capital (leverage) ratio | 51.4446% | 36 |
| Tier 1 risk-based capital ratio | 87.4455% | 50 |
| Total risk-based capital ratio | 87.4790% | 50 |
| Memoranda: | ||
| Average total assets | $46,554,750 | 5,277 |
| Average earning assets | $2,001,000 | 5,735 |
| Average equity | $38,691,500 | 1,923 |
| Average total loans | $45,000 | 5,709 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9975% | 564 |
| Cost of funding earning assets | 0.1000% | 5,597 |
| Net interest margin | 4.8976% | 262 |
| Noninterest income to average assets | 94.7685% | 14 |
| Noninterest expense to average assets | 53.2246% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 40.2515% | 5 |
| Return on assets (ROA) | 40.2515% | 5 |
| Pretax return on assets | 41.7594% | 7 |
| Return on Equity (ROE) | 47.0737% | 16 |
| Retained earnings to average equity (ytd only) | -8.5654% | 5,624 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0354% | 4,825 |
| Assets per employee ($millions) | 0.8384% | 5,742 |
| Cash dividends to net income (ytd only)* | 118.1957% | 301 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 5 |
| 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 | 0.0000% | 5,209 |
| Net loans and leases to total assets | 0.0843% | 5,756 |
| Net loans and leases to deposits | 8.2000% | 5,747 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0282% | 5,785 |
| Equity capital to assets | 81.4761% | 25 |
| Core capital (leverage) ratio | 74.9250% | 30 |
| Tier 1 risk-based capital ratio | 102.5310% | 39 |
| Total risk-based capital ratio | 102.5652% | 39 |
| Memoranda: | ||
| Average total assets | $45,494,000 | 5,333 |
| Average earning assets | $2,001,000 | 5,785 |
| Average equity | $38,900,670 | 1,920 |
| Average total loans | $45,000 | 5,758 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9990% | 5,797 |
| Cost of funding earning assets | 0.1999% | 4,974 |
| Net interest margin | 1.7991% | 5,785 |
| Noninterest income to average assets | 97.5083% | 14 |
| Noninterest expense to average assets | 54.9099% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 41.3782% | 4 |
| Return on assets (ROA) | 41.3782% | 4 |
| Pretax return on assets | 42.6804% | 7 |
| Return on Equity (ROE) | 47.1608% | 18 |
| Retained earnings to average equity (ytd only) | -56.9998% | 5,827 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2657% | 4,907 |
| Assets per employee ($millions) | 0.7212% | 5,814 |
| Cash dividends to net income (ytd only)* | 220.8627% | 197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 7 |
| 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 | 0.0000% | 5,285 |
| Net loans and leases to total assets | 0.0980% | 5,825 |
| Net loans and leases to deposits | 8.2000% | 5,814 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1953% | 5,851 |
| Equity capital to assets | 85.5685% | 24 |
| Core capital (leverage) ratio | 45.6860% | 40 |
| Tier 1 risk-based capital ratio | 77.8732% | 53 |
| Total risk-based capital ratio | 77.9113% | 55 |
| Memoranda: | ||
| Average total assets | $43,926,500 | 5,425 |
| Average earning assets | $2,001,000 | 5,854 |
| Average equity | $38,540,500 | 1,939 |
| Average total loans | $45,000 | 5,825 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8226% | 3,828 |
| Cost of funding earning assets | 0.3018% | 4,044 |
| Net interest margin | 3.5208% | 3,355 |
| Noninterest income to average assets | 88.6792% | 14 |
| Noninterest expense to average assets | 50.3631% | 18 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 36.9694% | 5 |
| Return on assets (ROA) | 36.9694% | 5 |
| Pretax return on assets | 38.4698% | 7 |
| Return on Equity (ROE) | 43.3999% | 11 |
| Retained earnings to average equity (ytd only) | 0.1186% | 5,268 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.6942% | 4,989 |
| Assets per employee ($millions) | 0.8218% | 5,869 |
| Cash dividends to net income (ytd only)* | 99.7267% | 367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 7 |
| 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 | 0.0000% | 5,326 |
| Net loans and leases to total assets | 0.0891% | 5,881 |
| Net loans and leases to deposits | 8.2000% | 5,874 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0865% | 5,909 |
| Equity capital to assets | 89.7112% | 14 |
| Core capital (leverage) ratio | 63.5873% | 33 |
| Tier 1 risk-based capital ratio | 127.2812% | 35 |
| Total risk-based capital ratio | 127.3185% | 35 |
| Memoranda: | ||
| Average total assets | $45,521,400 | 5,428 |
| Average earning assets | $1,988,200 | 5,912 |
| Average equity | $38,776,600 | 1,894 |
| Average total loans | $45,000 | 5,883 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4927% | 4,828 |
| Cost of funding earning assets | 0.3360% | 3,698 |
| Net interest margin | 3.1572% | 4,614 |
| Noninterest income to average assets | 87.6668% | 14 |
| Noninterest expense to average assets | 49.9850% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 36.4689% | 5 |
| Return on assets (ROA) | 36.4689% | 5 |
| Pretax return on assets | 37.8199% | 7 |
| Return on Equity (ROE) | 43.3969% | 15 |
| Retained earnings to average equity (ytd only) | -12.4700% | 5,868 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9273% | 4,960 |
| Assets per employee ($millions) | 0.8539% | 5,938 |
| Cash dividends to net income (ytd only)* | 128.7348% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 8 |
| 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 | 0.0000% | 5,428 |
| Net loans and leases to total assets | 0.0842% | 5,948 |
| Net loans and leases to deposits | 8.2000% | 5,942 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0273% | 5,979 |
| Equity capital to assets | 77.3997% | 27 |
| Core capital (leverage) ratio | 52.0889% | 37 |
| Tier 1 risk-based capital ratio | 89.9846% | 46 |
| Total risk-based capital ratio | 90.0208% | 47 |
| Memoranda: | ||
| Average total assets | $45,396,500 | 5,484 |
| Average earning assets | $1,985,000 | 5,979 |
| Average equity | $38,149,250 | 1,930 |
| Average total loans | $45,000 | 5,950 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4332% | 1,729 |
| Cost of funding earning assets | 0.3023% | 4,101 |
| Net interest margin | 4.1310% | 1,290 |
| Noninterest income to average assets | 88.4196% | 13 |
| Noninterest expense to average assets | 49.8006% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 37.4317% | 5 |
| Return on assets (ROA) | 37.4317% | 5 |
| Pretax return on assets | 38.8040% | 7 |
| Return on Equity (ROE) | 43.2908% | 16 |
| Retained earnings to average equity (ytd only) | -13.9343% | 5,924 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2054% | 5,126 |
| Assets per employee ($millions) | 0.8023% | 6,014 |
| Cash dividends to net income (ytd only)* | 132.1877% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 8 |
| 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 | 0.0000% | 5,521 |
| Net loans and leases to total assets | 0.0881% | 6,028 |
| Net loans and leases to deposits | 8.2000% | 6,021 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0745% | 6,056 |
| Equity capital to assets | 82.8878% | 24 |
| Core capital (leverage) ratio | 77.9176% | 28 |
| Tier 1 risk-based capital ratio | 103.1705% | 41 |
| Total risk-based capital ratio | 103.2086% | 41 |
| Memoranda: | ||
| Average total assets | $44,304,670 | 5,577 |
| Average earning assets | $1,985,000 | 6,056 |
| Average equity | $38,308,330 | 1,920 |
| Average total loans | $45,000 | 6,028 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8136% | 6,068 |
| Cost of funding earning assets | 0.2015% | 5,188 |
| Net interest margin | 1.6121% | 6,059 |
| Noninterest income to average assets | 88.9743% | 13 |
| Noninterest expense to average assets | 50.2246% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 37.4809% | 5 |
| Return on assets (ROA) | 37.4809% | 5 |
| Pretax return on assets | 38.8238% | 7 |
| Return on Equity (ROE) | 42.4025% | 27 |
| Retained earnings to average equity (ytd only) | -64.1852% | 6,091 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4015% | 5,159 |
| Assets per employee ($millions) | 0.6956% | 6,082 |
| Cash dividends to net income (ytd only)* | 251.3714% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 7 |
| 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 | 0.0000% | 5,543 |
| Net loans and leases to total assets | 0.1016% | 6,089 |
| Net loans and leases to deposits | 8.2000% | 6,082 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.2393% | 6,121 |
| Equity capital to assets | 87.0343% | 17 |
| Core capital (leverage) ratio | 40.5217% | 45 |
| Tier 1 risk-based capital ratio | 80.4338% | 55 |
| Total risk-based capital ratio | 80.4774% | 56 |
| Memoranda: | ||
| Average total assets | $43,190,000 | 5,655 |
| Average earning assets | $1,985,000 | 6,120 |
| Average equity | $38,177,000 | 1,925 |
| Average total loans | $45,000 | 6,090 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1667% | 5,548 |
| Cost of funding earning assets | 0.2836% | 4,436 |
| Net interest margin | 2.8831% | 5,362 |
| Noninterest income to average assets | 90.4398% | 14 |
| Noninterest expense to average assets | 50.1393% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 38.8929% | 5 |
| Return on assets (ROA) | 38.9032% | 5 |
| Pretax return on assets | 40.4419% | 8 |
| Return on Equity (ROE) | 45.9214% | 16 |
| Retained earnings to average equity (ytd only) | 2.8383% | 4,051 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3594% | 5,406 |
| Assets per employee ($millions) | 0.7547% | 6,137 |
| Cash dividends to net income (ytd only)* | 93.8192% | 521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 6 |
| 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 | 0.0000% | 5,583 |
| Net loans and leases to total assets | 0.0891% | 6,148 |
| Net loans and leases to deposits | 8.2000% | 6,141 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0861% | 6,177 |
| Equity capital to assets | 90.0185% | 11 |
| Core capital (leverage) ratio | 60.8900% | 35 |
| Tier 1 risk-based capital ratio | 123.3729% | 37 |
| Total risk-based capital ratio | 123.4091% | 37 |
| Memoranda: | ||
| Average total assets | $46,662,000 | 5,619 |
| Average earning assets | $2,115,800 | 6,180 |
| Average equity | $39,530,600 | 1,819 |
| Average total loans | $42,000 | 6,150 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6684% | 6,031 |
| Cost of funding earning assets | 0.3104% | 4,225 |
| Net interest margin | 2.3584% | 5,999 |
| Noninterest income to average assets | 92.6358% | 14 |
| Noninterest expense to average assets | 50.5910% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 40.7352% | 6 |
| Return on assets (ROA) | 40.7490% | 6 |
| Pretax return on assets | 42.1672% | 7 |
| Return on Equity (ROE) | 48.8517% | 17 |
| Retained earnings to average equity (ytd only) | -6.2341% | 6,061 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5491% | 5,471 |
| Assets per employee ($millions) | 0.8567% | 6,223 |
| Cash dividends to net income (ytd only)* | 112.7612% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8889% | 7 |
| 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 | 0.0000% | 5,684 |
| Net loans and leases to total assets | 0.0811% | 6,233 |
| Net loans and leases to deposits | 8.2000% | 6,228 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 0.9893% | 6,266 |
| Equity capital to assets | 76.1550% | 29 |
| Core capital (leverage) ratio | 54.6851% | 38 |
| Tier 1 risk-based capital ratio | 87.1837% | 50 |
| Total risk-based capital ratio | 87.2163% | 51 |
| Memoranda: | ||
| Average total assets | $46,818,750 | 5,686 |
| Average earning assets | $2,148,500 | 6,268 |
| Average equity | $39,053,250 | 1,857 |
| Average total loans | $41,250 | 6,236 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3739% | 5,286 |
| Cost of funding earning assets | 0.3647% | 3,651 |
| Net interest margin | 3.0091% | 5,202 |
| Noninterest income to average assets | 97.1316% | 13 |
| Noninterest expense to average assets | 53.0395% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 42.6929% | 5 |
| Return on assets (ROA) | 42.7142% | 5 |
| Pretax return on assets | 44.2588% | 7 |
| Return on Equity (ROE) | 49.6118% | 22 |
| Retained earnings to average equity (ytd only) | -2.3241% | 5,859 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5245% | 5,540 |
| Assets per employee ($millions) | 0.8220% | 6,304 |
| Cash dividends to net income (ytd only)* | 104.6846% | 472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 6 |
| 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 | 0.0000% | 5,787 |
| Net loans and leases to total assets | 0.0742% | 6,311 |
| Net loans and leases to deposits | 7.2000% | 6,306 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0310% | 6,342 |
| Equity capital to assets | 82.1951% | 25 |
| Core capital (leverage) ratio | 79.7301% | 26 |
| Tier 1 risk-based capital ratio | 92.7505% | 50 |
| Total risk-based capital ratio | 92.7813% | 51 |
| Memoranda: | ||
| Average total assets | $45,577,330 | 5,780 |
| Average earning assets | $2,193,330 | 6,344 |
| Average equity | $39,240,670 | 1,853 |
| Average total loans | $40,000 | 6,312 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0736% | 6,390 |
| Cost of funding earning assets | 0.1789% | 5,688 |
| Net interest margin | 0.8947% | 6,390 |
| Noninterest income to average assets | 100.4511% | 12 |
| Noninterest expense to average assets | 53.8840% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 44.8535% | 4 |
| Return on assets (ROA) | 44.8535% | 4 |
| Pretax return on assets | 46.6124% | 6 |
| Return on Equity (ROE) | 50.8303% | 22 |
| Retained earnings to average equity (ytd only) | -28.5953% | 6,336 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6178% | 5,709 |
| Assets per employee ($millions) | 0.7620% | 6,372 |
| Cash dividends to net income (ytd only)* | 156.2563% | 343 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 7 |
| 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 | 0.0000% | 5,830 |
| Net loans and leases to total assets | 0.0829% | 6,383 |
| Net loans and leases to deposits | 7.2000% | 6,377 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1512% | 6,412 |
| Equity capital to assets | 86.4320% | 19 |
| Core capital (leverage) ratio | 68.8101% | 32 |
| Tier 1 risk-based capital ratio | 79.8146% | 68 |
| Total risk-based capital ratio | 79.8474% | 69 |
| Memoranda: | ||
| Average total assets | $44,117,000 | 5,863 |
| Average earning assets | $2,235,500 | 6,415 |
| Average equity | $38,929,500 | 1,874 |
| Average total loans | $40,000 | 6,383 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6172% | 5,038 |
| Cost of funding earning assets | 0.3376% | 4,393 |
| Net interest margin | 3.2796% | 4,657 |
| Noninterest income to average assets | 98.4246% | 13 |
| Noninterest expense to average assets | 52.5532% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 44.4622% | 5 |
| Return on assets (ROA) | 44.4622% | 5 |
| Pretax return on assets | 46.0213% | 7 |
| Return on Equity (ROE) | 53.1026% | 15 |
| Retained earnings to average equity (ytd only) | 2.2914% | 4,608 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3132% | 5,898 |
| Assets per employee ($millions) | 0.7860% | 6,462 |
| Cash dividends to net income (ytd only)* | 95.6850% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 7 |
| 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 | 0.0000% | 5,950 |
| Net loans and leases to total assets | 0.0804% | 6,473 |
| Net loans and leases to deposits | 7.2000% | 6,465 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1160% | 6,505 |
| Equity capital to assets | 89.9958% | 11 |
| Core capital (leverage) ratio | 63.0213% | 35 |
| Tier 1 risk-based capital ratio | 104.9907% | 41 |
| Total risk-based capital ratio | 105.0262% | 42 |
| Memoranda: | ||
| Average total assets | $45,346,400 | 5,894 |
| Average earning assets | $2,073,400 | 6,507 |
| Average equity | $37,968,000 | 1,861 |
| Average total loans | $40,000 | 6,474 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1729% | 5,931 |
| Cost of funding earning assets | 0.3239% | 4,630 |
| Net interest margin | 2.8494% | 5,790 |
| Noninterest income to average assets | 98.3000% | 13 |
| Noninterest expense to average assets | 52.8275% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 44.1973% | 5 |
| Return on assets (ROA) | 44.1973% | 5 |
| Pretax return on assets | 45.6015% | 7 |
| Return on Equity (ROE) | 53.7775% | 13 |
| Retained earnings to average equity (ytd only) | -11.3925% | 6,402 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6707% | 5,857 |
| Assets per employee ($millions) | 0.8207% | 6,540 |
| Cash dividends to net income (ytd only)* | 121.1846% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 8 |
| 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 | 0.0000% | 6,061 |
| Net loans and leases to total assets | 0.0743% | 6,553 |
| Net loans and leases to deposits | 7.2000% | 6,546 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0326% | 6,584 |
| Equity capital to assets | 74.8745% | 29 |
| Core capital (leverage) ratio | 45.5793% | 43 |
| Tier 1 risk-based capital ratio | 66.3295% | 75 |
| Total risk-based capital ratio | 66.3638% | 80 |
| Memoranda: | ||
| Average total assets | $45,482,750 | 5,960 |
| Average earning assets | $2,059,000 | 6,587 |
| Average equity | $37,380,250 | 1,887 |
| Average total loans | $40,000 | 6,553 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8835% | 4,207 |
| Cost of funding earning assets | 0.2913% | 5,064 |
| Net interest margin | 3.5922% | 3,388 |
| Noninterest income to average assets | 101.7092% | 13 |
| Noninterest expense to average assets | 54.4319% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 45.6640% | 4 |
| Return on assets (ROA) | 45.6640% | 4 |
| Pretax return on assets | 47.4436% | 7 |
| Return on Equity (ROE) | 53.8255% | 21 |
| Retained earnings to average equity (ytd only) | -10.4886% | 6,427 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.4298% | 5,961 |
| Assets per employee ($millions) | 0.8126% | 6,611 |
| Cash dividends to net income (ytd only)* | 119.4863% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 7 |
| 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 | 0.0000% | 6,120 |
| Net loans and leases to total assets | 0.0764% | 6,621 |
| Net loans and leases to deposits | 7.2000% | 6,614 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0609% | 6,651 |
| Equity capital to assets | 79.5026% | 27 |
| Core capital (leverage) ratio | 64.5722% | 34 |
| Tier 1 risk-based capital ratio | 74.0854% | 64 |
| Total risk-based capital ratio | 74.1185% | 66 |
| Memoranda: | ||
| Average total assets | $44,503,330 | 6,045 |
| Average earning assets | $2,060,000 | 6,654 |
| Average equity | $37,755,330 | 1,864 |
| Average total loans | $40,000 | 6,620 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3549% | 6,685 |
| Cost of funding earning assets | 0.1936% | 6,057 |
| Net interest margin | 1.1614% | 6,685 |
| Noninterest income to average assets | 102.7992% | 14 |
| Noninterest expense to average assets | 54.4928% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 46.5745% | 5 |
| Return on assets (ROA) | 46.5745% | 5 |
| Pretax return on assets | 48.3619% | 7 |
| Return on Equity (ROE) | 53.0779% | 21 |
| Retained earnings to average equity (ytd only) | -32.6974% | 6,628 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9804% | 6,083 |
| Assets per employee ($millions) | 0.7821% | 6,683 |
| Cash dividends to net income (ytd only)* | 161.6027% | 348 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 10 |
| 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 | 0.0000% | 6,210 |
| Net loans and leases to total assets | 0.0852% | 6,690 |
| Net loans and leases to deposits | 7.2000% | 6,685 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1839% | 6,721 |
| Equity capital to assets | 86.0701% | 23 |
| Core capital (leverage) ratio | 52.5423% | 41 |
| Tier 1 risk-based capital ratio | 71.8492% | 74 |
| Total risk-based capital ratio | 71.8859% | 74 |
| Memoranda: | ||
| Average total assets | $43,191,000 | 6,136 |
| Average earning assets | $2,066,500 | 6,727 |
| Average equity | $37,899,000 | 1,859 |
| Average total loans | $40,000 | 6,690 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6572% | 5,255 |
| Cost of funding earning assets | 0.2965% | 5,627 |
| Net interest margin | 3.3607% | 4,433 |
| Noninterest income to average assets | 94.9927% | 15 |
| Noninterest expense to average assets | 49.8598% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 43.9282% | 4 |
| Return on assets (ROA) | 43.9282% | 4 |
| Pretax return on assets | 45.2852% | 6 |
| Return on Equity (ROE) | 51.6981% | 14 |
| Retained earnings to average equity (ytd only) | 0.1107% | 5,803 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.4040% | 6,261 |
| Assets per employee ($millions) | 0.8176% | 6,761 |
| Cash dividends to net income (ytd only)* | 99.7859% | 409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 9 |
| 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 | 0.0000% | 6,319 |
| Net loans and leases to total assets | 0.0815% | 6,771 |
| Net loans and leases to deposits | 7.2000% | 6,765 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1325% | 6,803 |
| Equity capital to assets | 89.3520% | 13 |
| Core capital (leverage) ratio | 52.6668% | 39 |
| Tier 1 risk-based capital ratio | 99.5719% | 50 |
| Total risk-based capital ratio | 99.6083% | 50 |
| Memoranda: | ||
| Average total assets | $44,659,200 | 6,161 |
| Average earning assets | $2,023,400 | 6,811 |
| Average equity | $37,947,200 | 1,828 |
| Average total loans | $40,000 | 6,777 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1785% | 6,224 |
| Cost of funding earning assets | 0.2647% | 5,993 |
| Net interest margin | 2.9138% | 5,782 |
| Noninterest income to average assets | 92.5102% | 14 |
| Noninterest expense to average assets | 49.5670% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 41.4815% | 4 |
| Return on assets (ROA) | 41.4815% | 4 |
| Pretax return on assets | 43.0742% | 6 |
| Return on Equity (ROE) | 49.4469% | 16 |
| Retained earnings to average equity (ytd only) | -15.5112% | 6,710 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5043% | 6,147 |
| Assets per employee ($millions) | 0.8691% | 6,840 |
| Cash dividends to net income (ytd only)* | 131.3693% | 182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 10 |
| 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 | 0.0000% | 6,405 |
| Net loans and leases to total assets | 0.0767% | 6,852 |
| Net loans and leases to deposits | 7.2000% | 6,844 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0654% | 6,879 |
| Equity capital to assets | 74.6537% | 29 |
| Core capital (leverage) ratio | 34.4758% | 53 |
| Tier 1 risk-based capital ratio | 59.2923% | 93 |
| Total risk-based capital ratio | 59.3287% | 100 |
| Memoranda: | ||
| Average total assets | $44,786,750 | 6,225 |
| Average earning assets | $2,013,500 | 6,890 |
| Average equity | $37,572,000 | 1,860 |
| Average total loans | $40,000 | 6,855 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 3,782 |
| Cost of funding earning assets | 0.2992% | 5,834 |
| Net interest margin | 3.7899% | 2,594 |
| Noninterest income to average assets | 91.0140% | 14 |
| Noninterest expense to average assets | 49.1873% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 40.4471% | 4 |
| Return on assets (ROA) | 40.4471% | 4 |
| Pretax return on assets | 41.9991% | 6 |
| Return on Equity (ROE) | 46.4005% | 22 |
| Retained earnings to average equity (ytd only) | -7.1321% | 6,576 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9415% | 6,149 |
| Assets per employee ($millions) | 0.8616% | 6,885 |
| Cash dividends to net income (ytd only)* | 115.3708% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 11 |
| 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 | 0.0000% | 6,469 |
| Net loans and leases to total assets | 0.0774% | 6,901 |
| Net loans and leases to deposits | 7.2000% | 6,896 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0747% | 6,931 |
| Equity capital to assets | 81.7500% | 23 |
| Core capital (leverage) ratio | 57.2236% | 37 |
| Tier 1 risk-based capital ratio | 88.2031% | 50 |
| Total risk-based capital ratio | 88.2402% | 52 |
| Memoranda: | ||
| Average total assets | $44,072,330 | 6,285 |
| Average earning assets | $2,005,330 | 6,939 |
| Average equity | $38,417,670 | 1,825 |
| Average total loans | $40,000 | 6,903 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6056% | 6,954 |
| Cost of funding earning assets | 0.2007% | 6,567 |
| Net interest margin | 1.4049% | 6,943 |
| Noninterest income to average assets | 89.3910% | 14 |
| Noninterest expense to average assets | 48.1171% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 39.8362% | 4 |
| Return on assets (ROA) | 39.8362% | 4 |
| Pretax return on assets | 41.3392% | 6 |
| Return on Equity (ROE) | 44.2073% | 33 |
| Retained earnings to average equity (ytd only) | -16.5039% | 6,778 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7884% | 6,247 |
| Assets per employee ($millions) | 0.8079% | 6,967 |
| Cash dividends to net income (ytd only)* | 137.3330% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 14 |
| 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 | 0.0000% | 6,535 |
| Net loans and leases to total assets | 0.0841% | 6,979 |
| Net loans and leases to deposits | 7.2000% | 6,973 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1677% | 7,006 |
| Equity capital to assets | 88.3087% | 15 |
| Core capital (leverage) ratio | 59.1097% | 35 |
| Tier 1 risk-based capital ratio | 99.3056% | 47 |
| Total risk-based capital ratio | 99.3483% | 47 |
| Memoranda: | ||
| Average total assets | $42,845,500 | 6,374 |
| Average earning assets | $1,993,000 | 7,017 |
| Average equity | $38,609,000 | 1,843 |
| Average total loans | $40,000 | 6,980 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2610% | 6,620 |
| Cost of funding earning assets | 0.2357% | 6,727 |
| Net interest margin | 3.0253% | 5,989 |
| Noninterest income to average assets | 75.0244% | 18 |
| Noninterest expense to average assets | 42.4355% | 19 |
| Loan and lease loss provision to assets | 0.0047% | 5,867 |
| Net operating income to assets | 31.7981% | 6 |
| Return on assets (ROA) | 31.7981% | 6 |
| Pretax return on assets | 32.7634% | 7 |
| Return on Equity (ROE) | 36.2094% | 35 |
| Retained earnings to average equity (ytd only) | 2.8369% | 4,241 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4275% | 6,014 |
| Assets per employee ($millions) | 0.8575% | 7,026 |
| Cash dividends to net income (ytd only)* | 92.1653% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 14 |
| 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 | 0.0000% | 6,599 |
| Net loans and leases to total assets | 0.0840% | 7,044 |
| Net loans and leases to deposits | 7.2000% | 7,030 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1662% | 7,070 |
| Equity capital to assets | 91.9133% | 9 |
| Core capital (leverage) ratio | 57.6077% | 36 |
| Tier 1 risk-based capital ratio | 125.8407% | 43 |
| Total risk-based capital ratio | 125.8870% | 43 |
| Memoranda: | ||
| Average total assets | $42,990,000 | 6,399 |
| Average earning assets | $2,545,200 | 7,081 |
| Average equity | $37,752,600 | 1,840 |
| Average total loans | $31,000 | 7,049 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8313% | 6,963 |
| Cost of funding earning assets | 0.2485% | 6,814 |
| Net interest margin | 2.5828% | 6,771 |
| Noninterest income to average assets | 74.7213% | 17 |
| Noninterest expense to average assets | 43.1610% | 19 |
| Loan and lease loss provision to assets | 0.0062% | 5,732 |
| Net operating income to assets | 30.5406% | 6 |
| Return on assets (ROA) | 30.5406% | 6 |
| Pretax return on assets | 31.7152% | 7 |
| Return on Equity (ROE) | 35.1864% | 41 |
| Retained earnings to average equity (ytd only) | -5.6954% | 6,658 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6383% | 5,838 |
| Assets per employee ($millions) | 0.9506% | 7,122 |
| Cash dividends to net income (ytd only)* | 116.1863% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.0000% | 14 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 0.0789% | 7,144 |
| Net loans and leases to deposits | 7.2000% | 7,134 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.0957% | 7,174 |
| Equity capital to assets | 80.5154% | 20 |
| Core capital (leverage) ratio | 49.8817% | 37 |
| Tier 1 risk-based capital ratio | 91.1843% | 54 |
| Total risk-based capital ratio | 91.2287% | 54 |
| Memoranda: | ||
| Average total assets | $43,019,250 | 6,468 |
| Average earning assets | $2,684,250 | 7,178 |
| Average equity | $37,339,250 | 1,882 |
| Average total loans | $28,750 | 7,146 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2650% | 6,836 |
| Cost of funding earning assets | 0.2084% | 7,016 |
| Net interest margin | 3.0566% | 6,113 |
| Noninterest income to average assets | 75.0297% | 17 |
| Noninterest expense to average assets | 43.5459% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 30.5253% | 6 |
| Return on assets (ROA) | 30.5253% | 6 |
| Pretax return on assets | 31.6926% | 7 |
| Return on Equity (ROE) | 34.2737% | 55 |
| Retained earnings to average equity (ytd only) | -0.6287% | 6,152 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8771% | 5,889 |
| Assets per employee ($millions) | 0.8856% | 7,185 |
| Cash dividends to net income (ytd only)* | 101.8343% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0000% | 34 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 0.0519% | 7,208 |
| Net loans and leases to deposits | 4.6000% | 7,204 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1292% | 7,241 |
| Equity capital to assets | 86.3056% | 14 |
| Core capital (leverage) ratio | 71.1613% | 27 |
| Tier 1 risk-based capital ratio | 114.2252% | 47 |
| Total risk-based capital ratio | 114.2487% | 47 |
| Memoranda: | ||
| Average total assets | $42,148,670 | 6,536 |
| Average earning assets | $2,879,000 | 7,241 |
| Average equity | $37,539,000 | 1,859 |
| Average total loans | $25,000 | 7,209 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5854% | 7,262 |
| Cost of funding earning assets | 0.1220% | 7,223 |
| Net interest margin | 1.4634% | 7,239 |
| Noninterest income to average assets | 77.8823% | 15 |
| Noninterest expense to average assets | 45.7324% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 31.0692% | 4 |
| Return on assets (ROA) | 31.0692% | 4 |
| Pretax return on assets | 32.2668% | 6 |
| Return on Equity (ROE) | 34.3118% | 69 |
| Retained earnings to average equity (ytd only) | -23.9892% | 7,088 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6319% | 5,830 |
| Assets per employee ($millions) | 0.8634% | 7,250 |
| Cash dividends to net income (ytd only)* | 169.9154% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0000% | 33 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 0.0567% | 7,270 |
| Net loans and leases to deposits | 4.6000% | 7,265 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.2321% | 7,302 |
| Equity capital to assets | 88.9677% | 12 |
| Core capital (leverage) ratio | 53.2945% | 32 |
| Tier 1 risk-based capital ratio | 95.1945% | 49 |
| Total risk-based capital ratio | 95.2196% | 49 |
| Memoranda: | ||
| Average total assets | $41,082,500 | 6,646 |
| Average earning assets | $3,280,000 | 7,302 |
| Average equity | $37,200,000 | 1,873 |
| Average total loans | $25,000 | 7,272 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3602% | 7,317 |
| Cost of funding earning assets | 0.1008% | 7,305 |
| Net interest margin | 1.2594% | 7,304 |
| Noninterest income to average assets | 68.9591% | 18 |
| Noninterest expense to average assets | 40.3271% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 27.6221% | 5 |
| Return on assets (ROA) | 27.6221% | 5 |
| Pretax return on assets | 28.8102% | 6 |
| Return on Equity (ROE) | 31.0771% | 40 |
| Retained earnings to average equity (ytd only) | -0.0401% | 5,851 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3290% | 6,008 |
| Assets per employee ($millions) | 0.9241% | 7,301 |
| Cash dividends to net income (ytd only)* | 100.1290% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0000% | 32 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 0.0553% | 7,319 |
| Net loans and leases to deposits | 4.6000% | 7,314 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.2024% | 7,349 |
| Equity capital to assets | 92.0931% | 5 |
| Core capital (leverage) ratio | 55.6954% | 33 |
| Tier 1 risk-based capital ratio | 103.1649% | 48 |
| Total risk-based capital ratio | 103.1860% | 48 |
| Memoranda: | ||
| Average total assets | $42,085,800 | 6,596 |
| Average earning assets | $5,955,000 | 7,339 |
| Average equity | $37,407,000 | 1,796 |
| Average total loans | $25,000 | 7,324 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1190% | 7,406 |
| Cost of funding earning assets | 0.1267% | 7,370 |
| Net interest margin | 0.9925% | 7,392 |
| Noninterest income to average assets | 68.9909% | 18 |
| Noninterest expense to average assets | 40.7369% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 27.2085% | 5 |
| Return on assets (ROA) | 27.2085% | 5 |
| Pretax return on assets | 28.4025% | 7 |
| Return on Equity (ROE) | 30.8865% | 48 |
| Retained earnings to average equity (ytd only) | -7.3577% | 6,722 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.9200% | 5,879 |
| Assets per employee ($millions) | 0.9080% | 7,380 |
| Cash dividends to net income (ytd only)* | 123.8217% | 172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0000% | 32 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 0.0517% | 7,398 |
| Net loans and leases to deposits | 4.6000% | 7,391 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1238% | 7,431 |
| Equity capital to assets | 81.4955% | 21 |
| Core capital (leverage) ratio | 51.3157% | 41 |
| Tier 1 risk-based capital ratio | 61.9459% | 104 |
| Total risk-based capital ratio | 61.9619% | 106 |
| Memoranda: | ||
| Average total assets | $42,211,250 | 6,652 |
| Average earning assets | $6,314,500 | 7,416 |
| Average equity | $37,184,750 | 1,816 |
| Average total loans | $25,000 | 7,403 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3240% | 7,474 |
| Cost of funding earning assets | 0.0697% | 7,470 |
| Net interest margin | 1.2543% | 7,461 |
| Noninterest income to average assets | 72.6931% | 18 |
| Noninterest expense to average assets | 41.2294% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 30.3105% | 5 |
| Return on assets (ROA) | 30.3105% | 5 |
| Pretax return on assets | 31.6374% | 6 |
| Return on Equity (ROE) | 33.5100% | 49 |
| Retained earnings to average equity (ytd only) | -0.6294% | 5,991 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5819% | 6,349 |
| Assets per employee ($millions) | 0.8640% | 7,457 |
| Cash dividends to net income (ytd only)* | 101.8784% | 443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0000% | 33 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 0.0522% | 7,473 |
| Net loans and leases to deposits | 4.6000% | 7,465 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1347% | 7,506 |
| Equity capital to assets | 86.6782% | 16 |
| Core capital (leverage) ratio | 74.9903% | 32 |
| Tier 1 risk-based capital ratio | 75.3231% | 71 |
| Total risk-based capital ratio | 75.3386% | 72 |
| Memoranda: | ||
| Average total assets | $41,451,000 | 6,731 |
| Average earning assets | $5,740,330 | 7,495 |
| Average equity | $37,493,330 | 1,789 |
| Average total loans | $25,000 | 7,475 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6957% | 7,553 |
| Cost of funding earning assets | 0.0870% | 7,529 |
| Net interest margin | 0.6088% | 7,544 |
| Noninterest income to average assets | 71.9093% | 18 |
| Noninterest expense to average assets | 40.6925% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 29.9714% | 5 |
| Return on assets (ROA) | 29.9714% | 5 |
| Pretax return on assets | 31.2866% | 6 |
| Return on Equity (ROE) | 32.3933% | 64 |
| Retained earnings to average equity (ytd only) | -25.1565% | 7,245 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5338% | 6,441 |
| Assets per employee ($millions) | 0.8598% | 7,517 |
| Cash dividends to net income (ytd only)* | 177.6596% | 248 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0000% | 38 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 0.0582% | 7,535 |
| Net loans and leases to deposits | 4.6000% | 7,526 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.2642% | 7,569 |
| Equity capital to assets | 90.9562% | 7 |
| Core capital (leverage) ratio | 65.3008% | 30 |
| Tier 1 risk-based capital ratio | 92.7612% | 57 |
| Total risk-based capital ratio | 92.7861% | 57 |
| Memoranda: | ||
| Average total assets | $40,145,000 | 6,829 |
| Average earning assets | $4,599,500 | 7,558 |
| Average equity | $37,143,500 | 1,794 |
| Average total loans | $25,000 | 7,534 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8287% | 7,605 |
| Cost of funding earning assets | 0.0882% | 7,585 |
| Net interest margin | 0.7405% | 7,594 |
| Noninterest income to average assets | 60.4637% | 20 |
| Noninterest expense to average assets | 35.2658% | 31 |
| Loan and lease loss provision to assets | 0.0025% | 7,031 |
| Net operating income to assets | 24.1568% | 7 |
| Return on assets (ROA) | 24.1568% | 7 |
| Pretax return on assets | 25.2994% | 7 |
| Return on Equity (ROE) | 26.3023% | 81 |
| Retained earnings to average equity (ytd only) | 0.3474% | 5,404 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2255% | 6,316 |
| Assets per employee ($millions) | 0.8314% | 7,600 |
| Cash dividends to net income (ytd only)* | 98.6794% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.0000% | 42 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 0.0565% | 7,614 |
| Net loans and leases to deposits | 4.6000% | 7,607 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.2274% | 7,648 |
| Equity capital to assets | 94.0449% | 6 |
| Core capital (leverage) ratio | 64.9148% | 37 |
| Tier 1 risk-based capital ratio | 94.6011% | 52 |
| Total risk-based capital ratio | 94.6204% | 52 |
| Memoranda: | ||
| Average total assets | $40,435,800 | 6,850 |
| Average earning assets | $5,671,800 | 7,639 |
| Average equity | $37,137,400 | 1,783 |
| Average total loans | $25,000 | 7,614 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5694% | 7,736 |
| Cost of funding earning assets | 0.0000% | 7,745 |
| Net interest margin | 0.5694% | 7,722 |
| Noninterest income to average assets | 58.1416% | 20 |
| Noninterest expense to average assets | 32.7443% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 24.2807% | 7 |
| Return on assets (ROA) | 24.2807% | 7 |
| Pretax return on assets | 25.4766% | 8 |
| Return on Equity (ROE) | 26.5982% | 82 |
| Retained earnings to average equity (ytd only) | -4.9976% | 6,555 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2415% | 6,523 |
| Assets per employee ($millions) | 0.8637% | 7,706 |
| Cash dividends to net income (ytd only)* | 118.7890% | 227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0000% | 371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 0.0567% | 7,716 |
| Net loans and leases to deposits | 4.8000% | 7,710 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.1814% | 7,753 |
| Equity capital to assets | 86.9568% | 14 |
| Core capital (leverage) ratio | 67.7794% | 38 |
| Tier 1 risk-based capital ratio | 69.9544% | 82 |
| Total risk-based capital ratio | 69.9628% | 83 |
| Memoranda: | ||
| Average total assets | $40,360,250 | 6,930 |
| Average earning assets | $5,620,000 | 7,742 |
| Average equity | $36,843,750 | 1,814 |
| Average total loans | $25,000 | 7,718 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9282% | 7,800 |
| Cost of funding earning assets | 0.0000% | 7,814 |
| Net interest margin | 0.9282% | 7,783 |
| Noninterest income to average assets | 57.8391% | 20 |
| Noninterest expense to average assets | 32.4882% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 24.2680% | 7 |
| Return on assets (ROA) | 24.2680% | 8 |
| Pretax return on assets | 25.4668% | 8 |
| Return on Equity (ROE) | 26.1436% | 104 |
| Retained earnings to average equity (ytd only) | -6.4355% | 6,690 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0577% | 6,629 |
| Assets per employee ($millions) | 0.8003% | 7,781 |
| Cash dividends to net income (ytd only)* | 124.6160% | 262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0000% | 380 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 0.0588% | 7,785 |
| Net loans and leases to deposits | 4.8000% | 7,781 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.2250% | 7,821 |
| Equity capital to assets | 90.6387% | 14 |
| Core capital (leverage) ratio | 79.7348% | 26 |
| Tier 1 risk-based capital ratio | 81.2009% | 67 |
| Total risk-based capital ratio | 81.2105% | 67 |
| Memoranda: | ||
| Average total assets | $39,706,670 | 7,010 |
| Average earning assets | $4,956,000 | 7,813 |
| Average equity | $36,858,000 | 1,805 |
| Average total loans | $25,000 | 7,786 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0922% | 7,932 |
| Cost of funding earning assets | 0.0000% | 7,914 |
| Net interest margin | 0.0922% | 7,922 |
| Noninterest income to average assets | 57.7756% | 22 |
| Noninterest expense to average assets | 32.3666% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 24.2238% | 5 |
| Return on assets (ROA) | 24.2238% | 6 |
| Pretax return on assets | 25.4192% | 11 |
| Return on Equity (ROE) | 25.7794% | 140 |
| Retained earnings to average equity (ytd only) | -30.3025% | 7,549 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0113% | 6,762 |
| Assets per employee ($millions) | 0.7765% | 7,884 |
| Cash dividends to net income (ytd only)* | 217.5453% | 167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0000% | 379 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 0.0631% | 7,885 |
| Net loans and leases to deposits | 4.8000% | 7,880 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 1.3141% | 7,924 |
| Equity capital to assets | 93.0223% | 6 |
| Core capital (leverage) ratio | 62.7612% | 36 |
| Tier 1 risk-based capital ratio | 87.5286% | 61 |
| Total risk-based capital ratio | 87.5414% | 62 |
| Memoranda: | ||
| Average total assets | $39,151,500 | 7,110 |
| Average earning assets | $4,336,500 | 7,918 |
| Average equity | $36,789,000 | 1,829 |
| Average total loans | $25,000 | 7,888 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9668% | 7,974 |
| Cost of funding earning assets | 0.2375% | 7,927 |
| Net interest margin | 0.7294% | 7,951 |
| Noninterest income to average assets | 49.7822% | 25 |
| Noninterest expense to average assets | 31.0739% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 17.9130% | 7 |
| Return on assets (ROA) | 17.9130% | 7 |
| Pretax return on assets | 18.8148% | 11 |
| Return on Equity (ROE) | 19.2348% | 288 |
| Retained earnings to average equity (ytd only) | -2.8307% | 5,667 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2865% | 6,107 |
| Assets per employee ($millions) | 0.7893% | 7,964 |
| Cash dividends to net income (ytd only)* | 114.7165% | 453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0000% | 361 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 0.0596% | 7,962 |
| Net loans and leases to deposits | 4.8000% | 7,958 |
| Net loans and leases to core deposits | 16.0000% | 7,934 |
| Total domestic deposits to total assets | 1.2421% | 8,000 |
| Equity capital to assets | 94.8575% | 5 |
| Core capital (leverage) ratio | 67.6796% | 37 |
| Tier 1 risk-based capital ratio | 91.4735% | 61 |
| Total risk-based capital ratio | 91.4829% | 61 |
| Memoranda: | ||
| Average total assets | $40,361,800 | 7,080 |
| Average earning assets | $5,895,600 | 7,993 |
| Average equity | $37,588,200 | 1,785 |
| Average total loans | $25,000 | 7,968 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9309% | 8,067 |
| Cost of funding earning assets | 0.2498% | 8,017 |
| Net interest margin | 0.6811% | 8,044 |
| Noninterest income to average assets | 48.0713% | 26 |
| Noninterest expense to average assets | 29.8126% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 17.4036% | 8 |
| Return on assets (ROA) | 17.4036% | 8 |
| Pretax return on assets | 18.3577% | 13 |
| Return on Equity (ROE) | 18.7747% | 377 |
| Retained earnings to average equity (ytd only) | -7.8489% | 6,585 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8901% | 6,137 |
| Assets per employee ($millions) | 0.8502% | 8,044 |
| Cash dividends to net income (ytd only)* | 141.8057% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0000% | 299 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 0.0576% | 8,046 |
| Net loans and leases to deposits | 4.8000% | 8,040 |
| Net loans and leases to core deposits | 16.0000% | 8,016 |
| Total domestic deposits to total assets | 1.2002% | 8,088 |
| Equity capital to assets | 88.9129% | 18 |
| Core capital (leverage) ratio | 73.8617% | 33 |
| Tier 1 risk-based capital ratio | 75.4197% | 80 |
| Total risk-based capital ratio | 75.4283% | 81 |
| Memoranda: | ||
| Average total assets | $40,389,000 | 7,126 |
| Average earning assets | $5,873,000 | 8,077 |
| Average equity | $37,439,500 | 1,812 |
| Average total loans | $25,000 | 8,051 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4160% | 8,144 |
| Cost of funding earning assets | 0.2542% | 8,117 |
| Net interest margin | 1.1619% | 8,079 |
| Noninterest income to average assets | 45.9802% | 28 |
| Noninterest expense to average assets | 29.0454% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 16.2042% | 9 |
| Return on assets (ROA) | 16.2042% | 9 |
| Pretax return on assets | 17.0950% | 13 |
| Return on Equity (ROE) | 17.2362% | 560 |
| Retained earnings to average equity (ytd only) | -18.6894% | 7,414 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9501% | 6,091 |
| Assets per employee ($millions) | 0.7948% | 8,143 |
| Cash dividends to net income (ytd only)* | 208.4311% | 211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0000% | 259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 0.0616% | 8,140 |
| Net loans and leases to deposits | 4.8000% | 8,134 |
| Net loans and leases to core deposits | 16.0000% | 8,105 |
| Total domestic deposits to total assets | 1.2839% | 8,185 |
| Equity capital to assets | 91.7623% | 10 |
| Core capital (leverage) ratio | 62.1187% | 44 |
| Tier 1 risk-based capital ratio | 80.6078% | 82 |
| Total risk-based capital ratio | 80.6186% | 83 |
| Memoranda: | ||
| Average total assets | $39,965,000 | 7,211 |
| Average earning assets | $5,508,330 | 8,172 |
| Average equity | $37,572,000 | 1,813 |
| Average total loans | $25,000 | 8,144 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9116% | 8,217 |
| Cost of funding earning assets | 0.1953% | 8,182 |
| Net interest margin | 0.7163% | 8,183 |
| Noninterest income to average assets | 43.8087% | 29 |
| Noninterest expense to average assets | 27.6608% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 15.4165% | 10 |
| Return on assets (ROA) | 15.4165% | 11 |
| Pretax return on assets | 16.2565% | 16 |
| Return on Equity (ROE) | 16.2118% | 789 |
| Retained earnings to average equity (ytd only) | -15.7026% | 7,476 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9838% | 5,876 |
| Assets per employee ($millions) | 0.8105% | 8,195 |
| Cash dividends to net income (ytd only)* | 196.8590% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0000% | 222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 0.0604% | 8,191 |
| Net loans and leases to deposits | 4.8000% | 8,187 |
| Net loans and leases to core deposits | 16.0000% | 8,158 |
| Total domestic deposits to total assets | 1.2589% | 8,236 |
| Equity capital to assets | 95.0121% | 3 |
| Core capital (leverage) ratio | 74.5858% | 37 |
| Tier 1 risk-based capital ratio | 93.6404% | 72 |
| Total risk-based capital ratio | 93.6503% | 72 |
| Memoranda: | ||
| Average total assets | $40,476,000 | 7,227 |
| Average earning assets | $6,143,000 | 8,218 |
| Average equity | $38,490,500 | 1,763 |
| Average total loans | $25,000 | 8,194 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0590% | 8,171 |
| Cost of funding earning assets | 0.2176% | 8,237 |
| Net interest margin | 2.8414% | 7,268 |
| Noninterest income to average assets | 48.6325% | 30 |
| Noninterest expense to average assets | 31.1539% | 40 |
| Loan and lease loss provision to assets | 0.0024% | 7,318 |
| Net operating income to assets | 17.1048% | 12 |
| Return on assets (ROA) | 17.1048% | 13 |
| Pretax return on assets | 17.9980% | 19 |
| Return on Equity (ROE) | 18.5514% | 486 |
| Retained earnings to average equity (ytd only) | -5.4963% | 6,585 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0995% | 6,323 |
| Assets per employee ($millions) | 0.8416% | 8,246 |
| Cash dividends to net income (ytd only)* | 129.6276% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0000% | 186 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 0.0582% | 8,247 |
| Net loans and leases to deposits | 4.8000% | 8,241 |
| Net loans and leases to core deposits | 16.0000% | 8,211 |
| Total domestic deposits to total assets | 1.2125% | 8,292 |
| Equity capital to assets | 95.1741% | 5 |
| Core capital (leverage) ratio | 75.0137% | 41 |
| Tier 1 risk-based capital ratio | 92.2430% | 86 |
| Total risk-based capital ratio | 92.2514% | 87 |
| Memoranda: | ||
| Average total assets | $42,543,600 | 7,102 |
| Average earning assets | $7,813,000 | 8,255 |
| Average equity | $39,226,200 | 1,718 |
| Average total loans | $25,000 | 8,251 |