Home > Davidson Trust Co. > Performance and Condition Ratios
Davidson Trust Co., Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7068% | 4,381 |
| Cost of funding earning assets | 0.0000% | 4,414 |
| Net interest margin | 3.7068% | 1,676 |
| Noninterest income to average assets | 104.5800% | 31 |
| Noninterest expense to average assets | 90.7168% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 12.7604% | 39 |
| Return on assets (ROA) | 12.7677% | 40 |
| Pretax return on assets | 17.1922% | 40 |
| Return on Equity (ROE) | 16.0100% | 790 |
| Retained earnings to average equity (ytd only) | 4.4764% | 2,446 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 84.0750% | 787 |
| Assets per employee ($millions) | 0.4143% | 4,424 |
| Cash dividends to net income (ytd only)* | 72.0461% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,399 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,816 |
| Noncurrent loans to loans | 0.0000% | 3,787 |
| Net loans and leases to total assets | 0.0000% | 4,378 |
| Net loans and leases to deposits | 0.0000% | 4,387 |
| Net loans and leases to core deposits | 0.0000% | 4,400 |
| Total domestic deposits to total assets | 4.4700% | 4,393 |
| Equity capital to assets | 78.5535% | 110 |
| Core capital (leverage) ratio | 71.3636% | 65 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 196.8414% | 44 |
| Memoranda: | ||
| Average total assets | $10,871,200 | 4,455 |
| Average earning assets | $9,738,800 | 4,425 |
| Average equity | $8,667,600 | 3,908 |
| Average total loans | $0 | 4,379 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5742% | 4,434 |
| Cost of funding earning assets | 0.0000% | 4,453 |
| Net interest margin | 3.5742% | 1,883 |
| Noninterest income to average assets | 104.1700% | 27 |
| Noninterest expense to average assets | 91.4686% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 11.7044% | 43 |
| Return on assets (ROA) | 11.7239% | 43 |
| Pretax return on assets | 15.9242% | 42 |
| Return on Equity (ROE) | 14.6500% | 1,007 |
| Retained earnings to average equity (ytd only) | 14.6485% | 254 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 85.1916% | 744 |
| Assets per employee ($millions) | 0.4424% | 4,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,432 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,861 |
| Noncurrent loans to loans | 0.0000% | 3,830 |
| Net loans and leases to total assets | 0.0000% | 4,409 |
| Net loans and leases to deposits | 0.0000% | 4,418 |
| Net loans and leases to core deposits | 0.0000% | 4,405 |
| Total domestic deposits to total assets | 4.1900% | 4,424 |
| Equity capital to assets | 77.6243% | 106 |
| Core capital (leverage) ratio | 79.1482% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 173.1329% | 44 |
| Memoranda: | ||
| Average total assets | $10,792,500 | 4,482 |
| Average earning assets | $9,661,500 | 4,455 |
| Average equity | $8,637,750 | 3,923 |
| Average total loans | $0 | 4,410 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5920% | 4,436 |
| Cost of funding earning assets | 0.0000% | 4,464 |
| Net interest margin | 3.5920% | 1,802 |
| Noninterest income to average assets | 105.7800% | 28 |
| Noninterest expense to average assets | 91.7563% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 12.6785% | 37 |
| Return on assets (ROA) | 12.6633% | 38 |
| Pretax return on assets | 17.2175% | 37 |
| Return on Equity (ROE) | 15.6400% | 892 |
| Retained earnings to average equity (ytd only) | 15.6421% | 254 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 84.1855% | 847 |
| Assets per employee ($millions) | 0.3882% | 4,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,450 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,854 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,430 |
| Net loans and leases to deposits | 0.0000% | 4,441 |
| Net loans and leases to core deposits | 0.0000% | 4,455 |
| Total domestic deposits to total assets | 4.6000% | 4,442 |
| Equity capital to assets | 81.1206% | 102 |
| Core capital (leverage) ratio | 81.6162% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 195.8898% | 44 |
| Memoranda: | ||
| Average total assets | $10,408,000 | 4,506 |
| Average earning assets | $9,298,333 | 4,475 |
| Average equity | $8,426,000 | 3,926 |
| Average total loans | $0 | 4,430 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6598% | 4,423 |
| Cost of funding earning assets | 0.0000% | 4,491 |
| Net interest margin | 3.6598% | 1,615 |
| Noninterest income to average assets | 107.8100% | 28 |
| Noninterest expense to average assets | 92.6750% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 13.4021% | 33 |
| Return on assets (ROA) | 13.4021% | 34 |
| Pretax return on assets | 18.3935% | 34 |
| Return on Equity (ROE) | 16.5700% | 770 |
| Retained earnings to average equity (ytd only) | 16.5725% | 333 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 83.4395% | 953 |
| Assets per employee ($millions) | 0.3559% | 4,516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,440 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,825 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,894 |
| Noncurrent loans to loans | 0.0000% | 3,844 |
| Net loans and leases to total assets | 0.0000% | 4,458 |
| Net loans and leases to deposits | 0.0000% | 4,457 |
| Net loans and leases to core deposits | 0.0000% | 4,479 |
| Total domestic deposits to total assets | 5.0200% | 4,498 |
| Equity capital to assets | 84.4540% | 93 |
| Core capital (leverage) ratio | 75.9614% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 250.2230% | 37 |
| Memoranda: | ||
| Average total assets | $10,177,500 | 4,533 |
| Average earning assets | $9,071,500 | 4,506 |
| Average equity | $8,230,500 | 3,971 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1873% | 4,489 |
| Cost of funding earning assets | 0.0000% | 4,519 |
| Net interest margin | 3.1873% | 2,906 |
| Noninterest income to average assets | 96.1500% | 27 |
| Noninterest expense to average assets | 80.8785% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 13.0576% | 38 |
| Return on assets (ROA) | 13.0806% | 39 |
| Pretax return on assets | 18.1615% | 37 |
| Return on Equity (ROE) | 16.4700% | 1,022 |
| Retained earnings to average equity (ytd only) | 4.2601% | 2,874 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 81.6864% | 798 |
| Assets per employee ($millions) | 0.3849% | 4,527 |
| Cash dividends to net income (ytd only)* | 74.1290% | 727 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 4.8100% | 4,521 |
| Equity capital to assets | 77.4324% | 109 |
| Core capital (leverage) ratio | 70.9086% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 224.4351% | 40 |
| Memoranda: | ||
| Average total assets | $10,313,000 | 4,565 |
| Average earning assets | $9,255,600 | 4,520 |
| Average equity | $8,192,200 | 3,908 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9441% | 4,537 |
| Cost of funding earning assets | 0.0000% | 4,547 |
| Net interest margin | 2.9441% | 3,443 |
| Noninterest income to average assets | 95.2600% | 30 |
| Noninterest expense to average assets | 79.1936% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 13.3128% | 36 |
| Return on assets (ROA) | 13.3026% | 36 |
| Pretax return on assets | 18.6909% | 36 |
| Return on Equity (ROE) | 16.6400% | 1,143 |
| Retained earnings to average equity (ytd only) | 16.6404% | 412 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 80.8944% | 811 |
| Assets per employee ($millions) | 0.4484% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 4.4600% | 4,552 |
| Equity capital to assets | 77.9948% | 108 |
| Core capital (leverage) ratio | 78.5978% | 59 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 174.7402% | 50 |
| Memoranda: | ||
| Average total assets | $10,293,500 | 4,587 |
| Average earning assets | $9,238,500 | 4,548 |
| Average equity | $8,228,750 | 3,910 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7059% | 4,598 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 2.7059% | 3,962 |
| Noninterest income to average assets | 95.5800% | 30 |
| Noninterest expense to average assets | 79.5781% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 12.9402% | 37 |
| Return on assets (ROA) | 12.9560% | 37 |
| Pretax return on assets | 18.4427% | 35 |
| Return on Equity (ROE) | 16.0600% | 1,258 |
| Retained earnings to average equity (ytd only) | 16.0606% | 467 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 81.2015% | 768 |
| Assets per employee ($millions) | 0.4362% | 4,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 4.7800% | 4,576 |
| Equity capital to assets | 79.6427% | 99 |
| Core capital (leverage) ratio | 80.6286% | 57 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 189.1334% | 43 |
| Memoranda: | ||
| Average total assets | $9,987,667 | 4,613 |
| Average earning assets | $8,943,333 | 4,577 |
| Average equity | $8,057,000 | 3,949 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6714% | 4,623 |
| Cost of funding earning assets | 0.0000% | 4,615 |
| Net interest margin | 2.6714% | 4,108 |
| Noninterest income to average assets | 97.6300% | 29 |
| Noninterest expense to average assets | 78.7484% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 16.5548% | 31 |
| Return on assets (ROA) | 16.6196% | 31 |
| Pretax return on assets | 21.3388% | 30 |
| Return on Equity (ROE) | 20.4600% | 710 |
| Retained earnings to average equity (ytd only) | 20.4623% | 351 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 78.7444% | 930 |
| Assets per employee ($millions) | 0.4240% | 4,642 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 5.1300% | 4,618 |
| Equity capital to assets | 83.2564% | 51 |
| Core capital (leverage) ratio | 83.8930% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 200.6425% | 40 |
| Memoranda: | ||
| Average total assets | $9,747,500 | 4,675 |
| Average earning assets | $8,684,500 | 4,646 |
| Average equity | $7,917,000 | 4,011 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5277% | 4,656 |
| Cost of funding earning assets | 0.0000% | 4,648 |
| Net interest margin | 1.5277% | 4,630 |
| Noninterest income to average assets | 93.2100% | 31 |
| Noninterest expense to average assets | 75.8497% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 13.9264% | 37 |
| Return on assets (ROA) | 13.8630% | 37 |
| Pretax return on assets | 18.6412% | 36 |
| Return on Equity (ROE) | 18.0000% | 701 |
| Retained earnings to average equity (ytd only) | 4.9655% | 3,069 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 80.2038% | 703 |
| Assets per employee ($millions) | 0.4428% | 4,675 |
| Cash dividends to net income (ytd only)* | 72.4113% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 5.1300% | 4,649 |
| Equity capital to assets | 79.1829% | 61 |
| Core capital (leverage) ratio | 72.1069% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 206.9206% | 41 |
| Memoranda: | ||
| Average total assets | $9,961,800 | 4,709 |
| Average earning assets | $8,902,000 | 4,682 |
| Average equity | $7,673,000 | 4,131 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1765% | 4,691 |
| Cost of funding earning assets | 0.0000% | 4,686 |
| Net interest margin | 1.1765% | 4,680 |
| Noninterest income to average assets | 93.4700% | 29 |
| Noninterest expense to average assets | 76.0973% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 13.4747% | 38 |
| Return on assets (ROA) | 13.3906% | 37 |
| Pretax return on assets | 18.3155% | 33 |
| Return on Equity (ROE) | 17.5000% | 709 |
| Retained earnings to average equity (ytd only) | 17.5042% | 186 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 80.5098% | 743 |
| Assets per employee ($millions) | 0.5104% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 4.6600% | 4,695 |
| Equity capital to assets | 77.4886% | 67 |
| Core capital (leverage) ratio | 79.9115% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 185.9830% | 44 |
| Memoranda: | ||
| Average total assets | $10,016,750 | 4,747 |
| Average earning assets | $8,953,000 | 4,720 |
| Average equity | $7,662,750 | 4,177 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7810% | 4,749 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 0.7810% | 4,746 |
| Noninterest income to average assets | 96.8039% | 12 |
| Noninterest expense to average assets | 78.4040% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 13.8355% | 16 |
| Return on assets (ROA) | 13.7386% | 16 |
| Pretax return on assets | 18.9723% | 16 |
| Return on Equity (ROE) | 18.0443% | 467 |
| Retained earnings to average equity (ytd only) | 18.0443% | 114 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4152% | 913 |
| Assets per employee ($millions) | 0.4797% | 4,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 4.9633% | 4,758 |
| Equity capital to assets | 77.9134% | 28 |
| Core capital (leverage) ratio | 79.9043% | 29 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 163.8280% | 20 |
| Memoranda: | ||
| Average total assets | $9,782,667 | 4,774 |
| Average earning assets | $8,706,333 | 4,762 |
| Average equity | $7,448,333 | 4,260 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6112% | 4,777 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 0.6112% | 4,774 |
| Noninterest income to average assets | 101.3593% | 13 |
| Noninterest expense to average assets | 80.8550% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 16.8600% | 16 |
| Return on assets (ROA) | 16.7272% | 17 |
| Pretax return on assets | 20.8779% | 17 |
| Return on Equity (ROE) | 22.2406% | 147 |
| Retained earnings to average equity (ytd only) | 22.2406% | 67 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3483% | 1,197 |
| Assets per employee ($millions) | 0.4534% | 4,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 5.2510% | 4,784 |
| Equity capital to assets | 78.5864% | 25 |
| Core capital (leverage) ratio | 78.8764% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 175.0000% | 19 |
| Memoranda: | ||
| Average total assets | $9,637,000 | 4,799 |
| Average earning assets | $8,508,500 | 4,787 |
| Average equity | $7,248,000 | 4,337 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9537% | 4,789 |
| Cost of funding earning assets | 0.0000% | 4,821 |
| Net interest margin | 0.9537% | 4,783 |
| Noninterest income to average assets | 97.3330% | 14 |
| Noninterest expense to average assets | 81.6556% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 12.3084% | 18 |
| Return on assets (ROA) | 12.2837% | 18 |
| Pretax return on assets | 16.4581% | 17 |
| Return on Equity (ROE) | 16.9064% | 605 |
| Retained earnings to average equity (ytd only) | 2.5789% | 3,804 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1990% | 610 |
| Assets per employee ($millions) | 0.4644% | 4,820 |
| Cash dividends to net income (ytd only)* | 84.7458% | 414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 5.1272% | 4,828 |
| Equity capital to assets | 71.9135% | 23 |
| Core capital (leverage) ratio | 66.3796% | 20 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 167.2948% | 16 |
| Memoranda: | ||
| Average total assets | $9,606,200 | 4,841 |
| Average earning assets | $8,179,000 | 4,831 |
| Average equity | $6,979,600 | 4,422 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9242% | 4,876 |
| Cost of funding earning assets | 0.0000% | 4,892 |
| Net interest margin | 0.9242% | 4,870 |
| Noninterest income to average assets | 94.5038% | 14 |
| Noninterest expense to average assets | 81.0032% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 10.4743% | 20 |
| Return on assets (ROA) | 10.4633% | 20 |
| Pretax return on assets | 14.2668% | 19 |
| Return on Equity (ROE) | 14.3634% | 1,296 |
| Retained earnings to average equity (ytd only) | 14.3634% | 474 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0124% | 475 |
| Assets per employee ($millions) | 0.4548% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 4.7797% | 4,903 |
| Equity capital to assets | 71.6662% | 23 |
| Core capital (leverage) ratio | 74.0518% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 144.5066% | 23 |
| Memoranda: | ||
| Average total assets | $9,569,750 | 4,916 |
| Average earning assets | $8,079,250 | 4,906 |
| Average equity | $6,971,250 | 4,487 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1520% | 4,898 |
| Cost of funding earning assets | 0.0000% | 4,930 |
| Net interest margin | 1.1520% | 4,884 |
| Noninterest income to average assets | 95.3340% | 14 |
| Noninterest expense to average assets | 81.1417% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 11.0602% | 19 |
| Return on assets (ROA) | 11.0432% | 19 |
| Pretax return on assets | 15.1197% | 17 |
| Return on Equity (ROE) | 15.0677% | 1,137 |
| Retained earnings to average equity (ytd only) | 15.0677% | 419 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.2742% | 535 |
| Assets per employee ($millions) | 0.4411% | 4,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 5.1525% | 4,940 |
| Equity capital to assets | 73.2688% | 26 |
| Core capital (leverage) ratio | 75.6624% | 24 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 128.2005% | 23 |
| Memoranda: | ||
| Average total assets | $9,272,667 | 4,953 |
| Average earning assets | $7,638,667 | 4,943 |
| Average equity | $6,796,000 | 4,527 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6348% | 4,891 |
| Cost of funding earning assets | 0.0000% | 4,958 |
| Net interest margin | 1.6348% | 4,857 |
| Noninterest income to average assets | 96.2791% | 13 |
| Noninterest expense to average assets | 80.9981% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 12.8427% | 15 |
| Return on assets (ROA) | 12.8078% | 15 |
| Pretax return on assets | 16.5176% | 16 |
| Return on Equity (ROE) | 17.4725% | 784 |
| Retained earnings to average equity (ytd only) | 17.4725% | 391 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0240% | 646 |
| Assets per employee ($millions) | 0.3825% | 4,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 5.4460% | 4,969 |
| Equity capital to assets | 74.1749% | 25 |
| Core capital (leverage) ratio | 75.8099% | 23 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 160.7269% | 20 |
| Memoranda: | ||
| Average total assets | $9,057,000 | 4,980 |
| Average earning assets | $7,095,500 | 4,970 |
| Average equity | $6,639,000 | 4,569 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3012% | 4,879 |
| Cost of funding earning assets | 0.0000% | 4,991 |
| Net interest margin | 2.3012% | 4,721 |
| Noninterest income to average assets | 76.2877% | 16 |
| Noninterest expense to average assets | 63.8198% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 10.1696% | 19 |
| Return on assets (ROA) | 10.2081% | 19 |
| Pretax return on assets | 14.2114% | 18 |
| Return on Equity (ROE) | 13.9931% | 816 |
| Retained earnings to average equity (ytd only) | -12.7113% | 4,934 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8386% | 757 |
| Assets per employee ($millions) | 0.3722% | 4,984 |
| Cash dividends to net income (ytd only)* | 190.8397% | 60 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 5.5972% | 4,990 |
| Equity capital to assets | 72.4057% | 23 |
| Core capital (leverage) ratio | 59.5196% | 27 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 195.2309% | 16 |
| Memoranda: | ||
| Average total assets | $10,266,400 | 4,999 |
| Average earning assets | $7,561,400 | 4,991 |
| Average equity | $7,489,400 | 4,481 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4279% | 4,914 |
| Cost of funding earning assets | 0.0000% | 5,023 |
| Net interest margin | 2.4279% | 4,709 |
| Noninterest income to average assets | 72.5030% | 15 |
| Noninterest expense to average assets | 60.2892% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 9.7643% | 20 |
| Return on assets (ROA) | 9.8239% | 20 |
| Pretax return on assets | 14.0251% | 20 |
| Return on Equity (ROE) | 13.4453% | 988 |
| Retained earnings to average equity (ytd only) | 13.4453% | 290 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2098% | 777 |
| Assets per employee ($millions) | 0.4424% | 5,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 4.5204% | 5,023 |
| Equity capital to assets | 73.5738% | 23 |
| Core capital (leverage) ratio | 75.9071% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 174.4480% | 21 |
| Memoranda: | ||
| Average total assets | $10,599,750 | 5,030 |
| Average earning assets | $7,578,500 | 5,023 |
| Average equity | $7,744,750 | 4,473 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6936% | 4,938 |
| Cost of funding earning assets | 0.0000% | 5,057 |
| Net interest margin | 2.6936% | 4,560 |
| Noninterest income to average assets | 71.4915% | 15 |
| Noninterest expense to average assets | 57.6489% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 12.4641% | 13 |
| Return on assets (ROA) | 12.4641% | 13 |
| Pretax return on assets | 15.7764% | 13 |
| Return on Equity (ROE) | 17.1008% | 443 |
| Retained earnings to average equity (ytd only) | 17.1008% | 139 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5137% | 1,004 |
| Assets per employee ($millions) | 0.4723% | 5,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 4.6032% | 5,054 |
| Equity capital to assets | 73.2001% | 24 |
| Core capital (leverage) ratio | 75.9480% | 23 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 157.0413% | 21 |
| Memoranda: | ||
| Average total assets | $10,446,000 | 5,062 |
| Average earning assets | $7,499,333 | 5,056 |
| Average equity | $7,613,667 | 4,508 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3803% | 5,063 |
| Cost of funding earning assets | 0.0000% | 5,101 |
| Net interest margin | 2.3803% | 4,886 |
| Noninterest income to average assets | 71.8500% | 16 |
| Noninterest expense to average assets | 56.7298% | 15 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 13.2838% | 12 |
| Return on assets (ROA) | 13.2838% | 12 |
| Pretax return on assets | 16.8392% | 13 |
| Return on Equity (ROE) | 18.2673% | 250 |
| Retained earnings to average equity (ytd only) | 18.2673% | 83 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1110% | 1,448 |
| Assets per employee ($millions) | 0.4397% | 5,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 4.7384% | 5,103 |
| Equity capital to assets | 72.3939% | 30 |
| Core capital (leverage) ratio | 75.9193% | 28 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 152.0199% | 26 |
| Memoranda: | ||
| Average total assets | $10,238,000 | 5,112 |
| Average earning assets | $7,394,000 | 5,106 |
| Average equity | $7,445,000 | 4,555 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8325% | 5,087 |
| Cost of funding earning assets | 0.0000% | 5,167 |
| Net interest margin | 2.8325% | 4,727 |
| Noninterest income to average assets | 82.9331% | 15 |
| Noninterest expense to average assets | 72.6758% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 9.4164% | 18 |
| Return on assets (ROA) | 9.4164% | 19 |
| Pretax return on assets | 12.3929% | 20 |
| Return on Equity (ROE) | 12.7266% | 1,268 |
| Retained earnings to average equity (ytd only) | 12.7266% | 182 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4318% | 571 |
| Assets per employee ($millions) | 0.4511% | 5,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 5.0383% | 5,162 |
| Equity capital to assets | 73.0653% | 29 |
| Core capital (leverage) ratio | 74.8194% | 27 |
| Tier 1 risk-based capital ratio | 165.1857% | 30 |
| Total risk-based capital ratio | 165.1857% | 30 |
| Memoranda: | ||
| Average total assets | $9,037,400 | 5,176 |
| Average earning assets | $6,813,800 | 5,168 |
| Average equity | $6,686,800 | 4,671 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8898% | 5,172 |
| Cost of funding earning assets | 0.0000% | 5,247 |
| Net interest margin | 2.8898% | 4,768 |
| Noninterest income to average assets | 84.4225% | 15 |
| Noninterest expense to average assets | 74.7734% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 8.8325% | 21 |
| Return on assets (ROA) | 8.8325% | 22 |
| Pretax return on assets | 11.8270% | 21 |
| Return on Equity (ROE) | 11.8955% | 1,657 |
| Retained earnings to average equity (ytd only) | 11.8955% | 395 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3430% | 482 |
| Assets per employee ($millions) | 0.4577% | 5,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 5.2018% | 5,243 |
| Equity capital to assets | 72.1286% | 29 |
| Core capital (leverage) ratio | 73.8260% | 30 |
| Tier 1 risk-based capital ratio | 161.7970% | 30 |
| Total risk-based capital ratio | 161.7970% | 30 |
| Memoranda: | ||
| Average total assets | $8,815,750 | 5,255 |
| Average earning assets | $6,644,000 | 5,246 |
| Average equity | $6,545,750 | 4,750 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7948% | 5,245 |
| Cost of funding earning assets | 0.0000% | 5,294 |
| Net interest margin | 2.7948% | 4,936 |
| Noninterest income to average assets | 85.8914% | 15 |
| Noninterest expense to average assets | 76.3479% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 8.9821% | 21 |
| Return on assets (ROA) | 8.9821% | 22 |
| Pretax return on assets | 11.6721% | 22 |
| Return on Equity (ROE) | 11.9688% | 1,589 |
| Retained earnings to average equity (ytd only) | 11.9688% | 408 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7393% | 506 |
| Assets per employee ($millions) | 0.3612% | 5,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 5.5371% | 5,290 |
| Equity capital to assets | 73.6877% | 28 |
| Core capital (leverage) ratio | 75.6997% | 28 |
| Tier 1 risk-based capital ratio | 164.5401% | 28 |
| Total risk-based capital ratio | 164.5401% | 28 |
| Memoranda: | ||
| Average total assets | $8,550,330 | 5,302 |
| Average earning assets | $6,512,000 | 5,293 |
| Average equity | $6,416,670 | 4,790 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9527% | 5,283 |
| Cost of funding earning assets | 0.0000% | 5,351 |
| Net interest margin | 2.9527% | 4,817 |
| Noninterest income to average assets | 86.5893% | 15 |
| Noninterest expense to average assets | 74.1712% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 11.5035% | 13 |
| Return on assets (ROA) | 11.5035% | 16 |
| Pretax return on assets | 14.6802% | 18 |
| Return on Equity (ROE) | 15.1794% | 715 |
| Retained earnings to average equity (ytd only) | 15.1794% | 269 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4778% | 749 |
| Assets per employee ($millions) | 0.3423% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | 0.0000% | 5,323 |
| Total domestic deposits to total assets | 5.8425% | 5,346 |
| Equity capital to assets | 75.2863% | 28 |
| Core capital (leverage) ratio | 76.6112% | 25 |
| Tier 1 risk-based capital ratio | 163.2379% | 29 |
| Total risk-based capital ratio | 163.2379% | 29 |
| Memoranda: | ||
| Average total assets | $8,310,500 | 5,361 |
| Average earning assets | $6,367,000 | 5,352 |
| Average equity | $6,298,000 | 4,847 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3574% | 5,352 |
| Cost of funding earning assets | 0.0000% | 5,396 |
| Net interest margin | 2.3574% | 5,265 |
| Noninterest income to average assets | 92.2956% | 13 |
| Noninterest expense to average assets | 83.7811% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 6.8436% | 27 |
| Return on assets (ROA) | 6.8436% | 27 |
| Pretax return on assets | 10.3590% | 24 |
| Return on Equity (ROE) | 8.9118% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.9118% | 897 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9962% | 389 |
| Assets per employee ($millions) | 0.3665% | 5,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 6.2012% | 5,389 |
| Equity capital to assets | 76.3115% | 29 |
| Core capital (leverage) ratio | 74.6542% | 26 |
| Tier 1 risk-based capital ratio | 184.9414% | 29 |
| Total risk-based capital ratio | 184.9414% | 29 |
| Memoranda: | ||
| Average total assets | $7,481,400 | 5,410 |
| Average earning assets | $5,854,000 | 5,396 |
| Average equity | $5,745,200 | 4,940 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2663% | 5,427 |
| Cost of funding earning assets | 0.0000% | 5,467 |
| Net interest margin | 2.2663% | 5,363 |
| Noninterest income to average assets | 92.4186% | 13 |
| Noninterest expense to average assets | 83.7493% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 6.3067% | 29 |
| Return on assets (ROA) | 6.3067% | 29 |
| Pretax return on assets | 10.4324% | 23 |
| Return on Equity (ROE) | 8.1985% | 3,466 |
| Retained earnings to average equity (ytd only) | 8.1985% | 1,557 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9232% | 369 |
| Assets per employee ($millions) | 0.3522% | 5,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 6.1728% | 5,462 |
| Equity capital to assets | 73.0988% | 28 |
| Core capital (leverage) ratio | 75.3883% | 28 |
| Tier 1 risk-based capital ratio | 165.3449% | 30 |
| Total risk-based capital ratio | 165.3449% | 30 |
| Memoranda: | ||
| Average total assets | $7,336,000 | 5,483 |
| Average earning assets | $5,706,750 | 5,468 |
| Average equity | $5,643,250 | 5,007 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1997% | 5,493 |
| Cost of funding earning assets | 0.0000% | 5,529 |
| Net interest margin | 2.1997% | 5,442 |
| Noninterest income to average assets | 93.1746% | 13 |
| Noninterest expense to average assets | 84.9840% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 7.2868% | 25 |
| Return on assets (ROA) | 7.2868% | 25 |
| Pretax return on assets | 9.9134% | 23 |
| Return on Equity (ROE) | 9.2962% | 2,898 |
| Retained earnings to average equity (ytd only) | 9.2962% | 1,132 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5536% | 388 |
| Assets per employee ($millions) | 0.3234% | 5,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 6.7213% | 5,526 |
| Equity capital to assets | 77.4298% | 29 |
| Core capital (leverage) ratio | 79.8447% | 27 |
| Tier 1 risk-based capital ratio | 171.9403% | 31 |
| Total risk-based capital ratio | 171.9403% | 31 |
| Memoranda: | ||
| Average total assets | $7,081,330 | 5,547 |
| Average earning assets | $5,546,330 | 5,532 |
| Average equity | $5,550,670 | 5,070 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8921% | 5,571 |
| Cost of funding earning assets | 0.0000% | 5,593 |
| Net interest margin | 1.8921% | 5,547 |
| Noninterest income to average assets | 96.1391% | 13 |
| Noninterest expense to average assets | 85.7660% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 8.6925% | 19 |
| Return on assets (ROA) | 8.6925% | 19 |
| Pretax return on assets | 11.8798% | 18 |
| Return on Equity (ROE) | 11.0173% | 1,960 |
| Retained earnings to average equity (ytd only) | 11.0173% | 893 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8338% | 543 |
| Assets per employee ($millions) | 0.3075% | 5,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | 0.0000% | 5,567 |
| Total domestic deposits to total assets | 7.0701% | 5,589 |
| Equity capital to assets | 78.3230% | 30 |
| Core capital (leverage) ratio | 79.8472% | 25 |
| Tier 1 risk-based capital ratio | 181.0131% | 27 |
| Total risk-based capital ratio | 181.0131% | 27 |
| Memoranda: | ||
| Average total assets | $6,902,500 | 5,611 |
| Average earning assets | $5,496,500 | 5,597 |
| Average equity | $5,446,000 | 5,144 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9394% | 5,612 |
| Cost of funding earning assets | 0.0000% | 5,660 |
| Net interest margin | 1.9394% | 5,582 |
| Noninterest income to average assets | 94.2157% | 13 |
| Noninterest expense to average assets | 91.5129% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.5959% | 107 |
| Return on assets (ROA) | 2.5959% | 107 |
| Pretax return on assets | 4.2756% | 62 |
| Return on Equity (ROE) | 3.2893% | 4,750 |
| Retained earnings to average equity (ytd only) | 3.2893% | 3,334 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5364% | 258 |
| Assets per employee ($millions) | 0.2494% | 5,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 7.4261% | 5,653 |
| Equity capital to assets | 79.5039% | 24 |
| Core capital (leverage) ratio | 78.1232% | 25 |
| Tier 1 risk-based capital ratio | 187.8905% | 24 |
| Total risk-based capital ratio | 187.8905% | 24 |
| Memoranda: | ||
| Average total assets | $6,548,800 | 5,676 |
| Average earning assets | $5,311,000 | 5,662 |
| Average equity | $5,168,200 | 5,243 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8949% | 5,685 |
| Cost of funding earning assets | 0.0000% | 5,725 |
| Net interest margin | 1.8949% | 5,658 |
| Noninterest income to average assets | 92.5535% | 14 |
| Noninterest expense to average assets | 90.6055% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.0504% | 288 |
| Return on assets (ROA) | 2.0504% | 293 |
| Pretax return on assets | 3.4856% | 85 |
| Return on Equity (ROE) | 2.6031% | 5,200 |
| Retained earnings to average equity (ytd only) | 2.6031% | 4,331 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.2955% | 245 |
| Assets per employee ($millions) | 0.2514% | 5,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 7.3659% | 5,719 |
| Equity capital to assets | 76.8709% | 27 |
| Core capital (leverage) ratio | 78.3954% | 28 |
| Tier 1 risk-based capital ratio | 173.0106% | 28 |
| Total risk-based capital ratio | 173.0106% | 28 |
| Memoranda: | ||
| Average total assets | $6,502,750 | 5,742 |
| Average earning assets | $5,277,250 | 5,728 |
| Average equity | $5,122,000 | 5,311 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9742% | 5,732 |
| Cost of funding earning assets | 0.0000% | 5,773 |
| Net interest margin | 1.9742% | 5,697 |
| Noninterest income to average assets | 92.7326% | 15 |
| Noninterest expense to average assets | 90.9535% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.0912% | 262 |
| Return on assets (ROA) | 2.0912% | 268 |
| Pretax return on assets | 3.4022% | 95 |
| Return on Equity (ROE) | 2.6326% | 5,209 |
| Retained earnings to average equity (ytd only) | 2.6326% | 4,125 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3943% | 249 |
| Assets per employee ($millions) | 0.2427% | 5,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 7.6313% | 5,770 |
| Equity capital to assets | 78.4646% | 28 |
| Core capital (leverage) ratio | 79.5451% | 27 |
| Tier 1 risk-based capital ratio | 174.7451% | 25 |
| Total risk-based capital ratio | 174.7451% | 25 |
| Memoranda: | ||
| Average total assets | $6,407,670 | 5,792 |
| Average earning assets | $5,268,000 | 5,778 |
| Average equity | $5,090,000 | 5,349 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8064% | 5,813 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 1.8064% | 5,784 |
| Noninterest income to average assets | 92.6209% | 15 |
| Noninterest expense to average assets | 84.4764% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 7.3238% | 27 |
| Return on assets (ROA) | 7.3238% | 27 |
| Pretax return on assets | 9.6599% | 25 |
| Return on Equity (ROE) | 9.1618% | 2,337 |
| Retained earnings to average equity (ytd only) | 9.1618% | 1,030 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7384% | 570 |
| Assets per employee ($millions) | 0.2376% | 5,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 7.7954% | 5,836 |
| Equity capital to assets | 79.5759% | 30 |
| Core capital (leverage) ratio | 80.8106% | 27 |
| Tier 1 risk-based capital ratio | 190.5189% | 25 |
| Total risk-based capital ratio | 190.5189% | 26 |
| Memoranda: | ||
| Average total assets | $6,335,500 | 5,860 |
| Average earning assets | $5,314,500 | 5,847 |
| Average equity | $5,064,500 | 5,408 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1734% | 5,829 |
| Cost of funding earning assets | 0.0000% | 5,897 |
| Net interest margin | 2.1734% | 5,762 |
| Noninterest income to average assets | 86.1122% | 16 |
| Noninterest expense to average assets | 83.3175% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.8900% | 85 |
| Return on assets (ROA) | 2.8900% | 88 |
| Pretax return on assets | 4.6049% | 52 |
| Return on Equity (ROE) | 3.6747% | 4,943 |
| Retained earnings to average equity (ytd only) | 3.6747% | 3,298 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7625% | 354 |
| Assets per employee ($millions) | 0.2407% | 5,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 7.9911% | 5,895 |
| Equity capital to assets | 80.3101% | 26 |
| Core capital (leverage) ratio | 78.9970% | 24 |
| Tier 1 risk-based capital ratio | 197.3684% | 25 |
| Total risk-based capital ratio | 197.3684% | 25 |
| Memoranda: | ||
| Average total assets | $6,297,600 | 5,918 |
| Average earning assets | $5,245,200 | 5,904 |
| Average equity | $4,952,800 | 5,477 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2172% | 5,888 |
| Cost of funding earning assets | 0.0000% | 5,963 |
| Net interest margin | 2.2172% | 5,812 |
| Noninterest income to average assets | 84.8036% | 16 |
| Noninterest expense to average assets | 82.1402% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.6211% | 139 |
| Return on assets (ROA) | 2.6211% | 139 |
| Pretax return on assets | 4.5022% | 59 |
| Return on Equity (ROE) | 3.3503% | 5,125 |
| Retained earnings to average equity (ytd only) | 3.3503% | 3,886 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8036% | 359 |
| Assets per employee ($millions) | 0.2527% | 5,965 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 7.6115% | 5,963 |
| Equity capital to assets | 76.5109% | 29 |
| Core capital (leverage) ratio | 77.9950% | 26 |
| Tier 1 risk-based capital ratio | 186.3552% | 25 |
| Total risk-based capital ratio | 186.3552% | 25 |
| Memoranda: | ||
| Average total assets | $6,307,750 | 5,984 |
| Average earning assets | $5,231,750 | 5,969 |
| Average equity | $4,934,750 | 5,536 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9837% | 5,994 |
| Cost of funding earning assets | 0.0000% | 6,040 |
| Net interest margin | 1.9837% | 5,955 |
| Noninterest income to average assets | 85.6499% | 15 |
| Noninterest expense to average assets | 82.3384% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 3.1186% | 85 |
| Return on assets (ROA) | 3.1186% | 88 |
| Pretax return on assets | 4.9512% | 54 |
| Return on Equity (ROE) | 3.9557% | 4,927 |
| Retained earnings to average equity (ytd only) | 3.9557% | 3,382 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3278% | 402 |
| Assets per employee ($millions) | 0.2536% | 6,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 7.8877% | 6,040 |
| Equity capital to assets | 78.4824% | 28 |
| Core capital (leverage) ratio | 79.5015% | 26 |
| Tier 1 risk-based capital ratio | 181.1431% | 29 |
| Total risk-based capital ratio | 181.1431% | 29 |
| Memoranda: | ||
| Average total assets | $6,220,670 | 6,062 |
| Average earning assets | $5,142,000 | 6,047 |
| Average equity | $4,904,330 | 5,596 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5551% | 6,080 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 1.5551% | 6,061 |
| Noninterest income to average assets | 81.9930% | 15 |
| Noninterest expense to average assets | 82.0579% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7790% | 3,358 |
| Return on assets (ROA) | 0.7790% | 3,460 |
| Pretax return on assets | 1.2335% | 2,567 |
| Return on Equity (ROE) | 0.9858% | 5,696 |
| Retained earnings to average equity (ytd only) | 0.9858% | 4,844 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5191% | 328 |
| Assets per employee ($millions) | 0.2400% | 6,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 8.0115% | 6,105 |
| Equity capital to assets | 78.0804% | 30 |
| Core capital (leverage) ratio | 78.6856% | 24 |
| Tier 1 risk-based capital ratio | 181.4222% | 27 |
| Total risk-based capital ratio | 181.4222% | 27 |
| Memoranda: | ||
| Average total assets | $6,161,500 | 6,126 |
| Average earning assets | $5,144,500 | 6,111 |
| Average equity | $4,869,000 | 5,644 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7882% | 6,109 |
| Cost of funding earning assets | 0.0000% | 6,168 |
| Net interest margin | 1.7882% | 6,081 |
| Noninterest income to average assets | 86.3667% | 16 |
| Noninterest expense to average assets | 84.1302% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.2528% | 225 |
| Return on assets (ROA) | 2.2528% | 232 |
| Pretax return on assets | 3.7924% | 80 |
| Return on Equity (ROE) | 2.9093% | 5,334 |
| Retained earnings to average equity (ytd only) | 2.9093% | 3,986 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6866% | 410 |
| Assets per employee ($millions) | 0.2433% | 6,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 8.2210% | 6,165 |
| Equity capital to assets | 79.9901% | 28 |
| Core capital (leverage) ratio | 76.7471% | 27 |
| Tier 1 risk-based capital ratio | 196.9636% | 27 |
| Total risk-based capital ratio | 196.9636% | 27 |
| Memoranda: | ||
| Average total assets | $6,170,200 | 6,186 |
| Average earning assets | $5,368,600 | 6,172 |
| Average equity | $4,777,800 | 5,706 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6759% | 6,210 |
| Cost of funding earning assets | 0.0000% | 6,253 |
| Net interest margin | 1.6759% | 6,187 |
| Noninterest income to average assets | 86.7084% | 15 |
| Noninterest expense to average assets | 82.7681% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 3.2082% | 79 |
| Return on assets (ROA) | 3.2082% | 78 |
| Pretax return on assets | 5.4045% | 50 |
| Return on Equity (ROE) | 4.1731% | 4,966 |
| Retained earnings to average equity (ytd only) | 4.1731% | 3,496 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8706% | 494 |
| Assets per employee ($millions) | 0.2683% | 6,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 7.7652% | 6,251 |
| Equity capital to assets | 75.4776% | 32 |
| Core capital (leverage) ratio | 75.8901% | 28 |
| Tier 1 risk-based capital ratio | 184.3703% | 31 |
| Total risk-based capital ratio | 184.3703% | 31 |
| Memoranda: | ||
| Average total assets | $6,192,250 | 6,274 |
| Average earning assets | $5,409,500 | 6,260 |
| Average equity | $4,760,500 | 5,786 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7882% | 6,280 |
| Cost of funding earning assets | 0.0000% | 6,327 |
| Net interest margin | 1.7882% | 6,247 |
| Noninterest income to average assets | 87.6923% | 16 |
| Noninterest expense to average assets | 83.0769% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 3.8953% | 62 |
| Return on assets (ROA) | 3.8953% | 62 |
| Pretax return on assets | 6.1866% | 48 |
| Return on Equity (ROE) | 5.0346% | 4,599 |
| Retained earnings to average equity (ytd only) | 5.0346% | 2,841 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0693% | 572 |
| Assets per employee ($millions) | 0.2532% | 6,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 7.8976% | 6,325 |
| Equity capital to assets | 75.9438% | 30 |
| Core capital (leverage) ratio | 77.0019% | 28 |
| Tier 1 risk-based capital ratio | 185.7088% | 29 |
| Total risk-based capital ratio | 185.7088% | 29 |
| Memoranda: | ||
| Average total assets | $6,110,000 | 6,352 |
| Average earning assets | $5,368,670 | 6,336 |
| Average equity | $4,727,330 | 5,848 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5021% | 6,366 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 1.5021% | 6,343 |
| Noninterest income to average assets | 88.6074% | 14 |
| Noninterest expense to average assets | 84.4070% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 3.4670% | 72 |
| Return on assets (ROA) | 3.4670% | 77 |
| Pretax return on assets | 5.5338% | 54 |
| Return on Equity (ROE) | 4.4378% | 4,789 |
| Retained earnings to average equity (ytd only) | 4.4378% | 3,359 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8473% | 603 |
| Assets per employee ($millions) | 0.2440% | 6,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 8.1981% | 6,397 |
| Equity capital to assets | 77.3569% | 31 |
| Core capital (leverage) ratio | 78.1773% | 30 |
| Tier 1 risk-based capital ratio | 197.4885% | 33 |
| Total risk-based capital ratio | 197.4885% | 33 |
| Memoranda: | ||
| Average total assets | $5,999,500 | 6,422 |
| Average earning assets | $5,326,000 | 6,406 |
| Average equity | $4,687,000 | 5,910 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7227% | 6,437 |
| Cost of funding earning assets | 0.0000% | 6,493 |
| Net interest margin | 1.7227% | 6,409 |
| Noninterest income to average assets | 88.3269% | 16 |
| Noninterest expense to average assets | 85.3667% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 2.7035% | 120 |
| Return on assets (ROA) | 2.7035% | 119 |
| Pretax return on assets | 4.4831% | 66 |
| Return on Equity (ROE) | 3.4730% | 5,300 |
| Retained earnings to average equity (ytd only) | 3.4730% | 3,738 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0105% | 544 |
| Assets per employee ($millions) | 0.2360% | 6,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 8.4746% | 6,487 |
| Equity capital to assets | 78.9153% | 28 |
| Core capital (leverage) ratio | 78.9153% | 27 |
| Tier 1 risk-based capital ratio | 200.2581% | 28 |
| Total risk-based capital ratio | 200.2581% | 28 |
| Memoranda: | ||
| Average total assets | $5,844,200 | 6,512 |
| Average earning assets | $5,166,400 | 6,495 |
| Average equity | $4,549,400 | 5,975 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6562% | 6,523 |
| Cost of funding earning assets | 0.0000% | 6,574 |
| Net interest margin | 1.6562% | 6,499 |
| Noninterest income to average assets | 87.0381% | 16 |
| Noninterest expense to average assets | 85.4145% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.7838% | 525 |
| Return on assets (ROA) | 1.7838% | 540 |
| Pretax return on assets | 3.0873% | 107 |
| Return on Equity (ROE) | 2.2995% | 5,764 |
| Retained earnings to average equity (ytd only) | 2.2995% | 4,905 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5116% | 487 |
| Assets per employee ($millions) | 0.2452% | 6,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 8.1553% | 6,567 |
| Equity capital to assets | 74.4903% | 30 |
| Core capital (leverage) ratio | 74.4903% | 29 |
| Tier 1 risk-based capital ratio | 191.8908% | 27 |
| Total risk-based capital ratio | 191.8908% | 27 |
| Memoranda: | ||
| Average total assets | $5,830,250 | 6,591 |
| Average earning assets | $5,152,250 | 6,574 |
| Average equity | $4,522,750 | 6,047 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7437% | 6,588 |
| Cost of funding earning assets | 0.0000% | 6,634 |
| Net interest margin | 1.7437% | 6,562 |
| Noninterest income to average assets | 88.2373% | 15 |
| Noninterest expense to average assets | 84.2583% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 3.4904% | 72 |
| Return on assets (ROA) | 3.4904% | 73 |
| Pretax return on assets | 5.5148% | 54 |
| Return on Equity (ROE) | 4.4366% | 4,950 |
| Retained earnings to average equity (ytd only) | 4.4366% | 3,351 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8569% | 647 |
| Assets per employee ($millions) | 0.2413% | 6,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 8.6326% | 6,633 |
| Equity capital to assets | 78.6257% | 28 |
| Core capital (leverage) ratio | 78.6257% | 27 |
| Tier 1 risk-based capital ratio | 199.2998% | 26 |
| Total risk-based capital ratio | 199.2998% | 26 |
| Memoranda: | ||
| Average total assets | $5,730,000 | 6,658 |
| Average earning assets | $5,046,670 | 6,641 |
| Average equity | $4,508,000 | 6,091 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4378% | 6,681 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 1.4378% | 6,661 |
| Noninterest income to average assets | 87.3136% | 15 |
| Noninterest expense to average assets | 85.3483% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.0354% | 321 |
| Return on assets (ROA) | 2.0354% | 333 |
| Pretax return on assets | 3.2286% | 125 |
| Return on Equity (ROE) | 2.5864% | 5,597 |
| Retained earnings to average equity (ytd only) | 2.5864% | 4,522 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3550% | 620 |
| Assets per employee ($millions) | 0.2394% | 6,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 8.7017% | 6,703 |
| Equity capital to assets | 78.4024% | 34 |
| Core capital (leverage) ratio | 78.4024% | 28 |
| Tier 1 risk-based capital ratio | 198.3708% | 31 |
| Total risk-based capital ratio | 198.3708% | 31 |
| Memoranda: | ||
| Average total assets | $5,699,000 | 6,731 |
| Average earning assets | $5,007,500 | 6,714 |
| Average equity | $4,485,000 | 6,138 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8354% | 6,723 |
| Cost of funding earning assets | 0.0000% | 6,798 |
| Net interest margin | 1.8354% | 6,680 |
| Noninterest income to average assets | 87.6391% | 17 |
| Noninterest expense to average assets | 84.4165% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 3.1325% | 101 |
| Return on assets (ROA) | 3.1325% | 100 |
| Pretax return on assets | 4.8248% | 59 |
| Return on Equity (ROE) | 3.9630% | 5,131 |
| Retained earnings to average equity (ytd only) | 3.9630% | 3,381 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5935% | 716 |
| Assets per employee ($millions) | 0.2355% | 6,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 8.8464% | 6,788 |
| Equity capital to assets | 78.9986% | 28 |
| Core capital (leverage) ratio | 78.9986% | 24 |
| Tier 1 risk-based capital ratio | 195.5760% | 30 |
| Total risk-based capital ratio | 195.5760% | 30 |
| Memoranda: | ||
| Average total assets | $5,554,600 | 6,814 |
| Average earning assets | $4,849,200 | 6,799 |
| Average equity | $4,390,600 | 6,237 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7141% | 6,817 |
| Cost of funding earning assets | 0.0000% | 6,877 |
| Net interest margin | 1.7141% | 6,782 |
| Noninterest income to average assets | 87.1308% | 16 |
| Noninterest expense to average assets | 84.1653% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 2.9413% | 116 |
| Return on assets (ROA) | 2.9413% | 117 |
| Pretax return on assets | 4.4602% | 63 |
| Return on Equity (ROE) | 3.7205% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.7205% | 4,048 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.9674% | 679 |
| Assets per employee ($millions) | 0.2375% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 8.7719% | 6,867 |
| Equity capital to assets | 77.3333% | 27 |
| Core capital (leverage) ratio | 77.3333% | 24 |
| Tier 1 risk-based capital ratio | 194.5278% | 29 |
| Total risk-based capital ratio | 194.5278% | 29 |
| Memoranda: | ||
| Average total assets | $5,530,250 | 6,892 |
| Average earning assets | $4,822,250 | 6,877 |
| Average equity | $4,372,000 | 6,320 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8462% | 6,855 |
| Cost of funding earning assets | 0.0000% | 6,924 |
| Net interest margin | 1.8462% | 6,806 |
| Noninterest income to average assets | 87.6925% | 15 |
| Noninterest expense to average assets | 84.5137% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 3.2154% | 102 |
| Return on assets (ROA) | 3.2154% | 104 |
| Pretax return on assets | 4.7866% | 61 |
| Return on Equity (ROE) | 4.0367% | 5,203 |
| Retained earnings to average equity (ytd only) | 4.0367% | 3,731 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6399% | 732 |
| Assets per employee ($millions) | 0.2366% | 6,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 8.8059% | 6,917 |
| Equity capital to assets | 77.6682% | 26 |
| Core capital (leverage) ratio | 77.6682% | 26 |
| Tier 1 risk-based capital ratio | 191.2402% | 29 |
| Total risk-based capital ratio | 191.2402% | 29 |
| Memoranda: | ||
| Average total assets | $5,473,670 | 6,942 |
| Average earning assets | $4,766,670 | 6,929 |
| Average equity | $4,360,000 | 6,371 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7136% | 6,946 |
| Cost of funding earning assets | 0.0000% | 6,994 |
| Net interest margin | 1.7136% | 6,909 |
| Noninterest income to average assets | 88.7648% | 15 |
| Noninterest expense to average assets | 85.3393% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 3.1276% | 95 |
| Return on assets (ROA) | 3.1276% | 101 |
| Pretax return on assets | 4.9148% | 63 |
| Return on Equity (ROE) | 3.8754% | 5,162 |
| Retained earnings to average equity (ytd only) | 3.8754% | 3,913 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5545% | 800 |
| Assets per employee ($millions) | 0.2297% | 6,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 9.0711% | 6,992 |
| Equity capital to assets | 79.1001% | 28 |
| Core capital (leverage) ratio | 79.1001% | 24 |
| Tier 1 risk-based capital ratio | 195.2530% | 31 |
| Total risk-based capital ratio | 195.2530% | 31 |
| Memoranda: | ||
| Average total assets | $5,371,500 | 7,020 |
| Average earning assets | $4,668,500 | 7,007 |
| Average equity | $4,335,000 | 6,438 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4078% | 6,955 |
| Cost of funding earning assets | 0.0000% | 7,072 |
| Net interest margin | 2.4078% | 6,773 |
| Noninterest income to average assets | 88.6736% | 15 |
| Noninterest expense to average assets | 87.7049% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.8256% | 494 |
| Return on assets (ROA) | 1.8256% | 554 |
| Pretax return on assets | 3.0551% | 137 |
| Return on Equity (ROE) | 2.2904% | 5,822 |
| Retained earnings to average equity (ytd only) | 2.2904% | 4,624 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.6338% | 682 |
| Assets per employee ($millions) | 0.2092% | 7,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 9.5584% | 7,055 |
| Equity capital to assets | 82.3934% | 26 |
| Core capital (leverage) ratio | 82.3934% | 20 |
| Tier 1 risk-based capital ratio | 209.8345% | 33 |
| Total risk-based capital ratio | 209.8345% | 33 |
| Memoranda: | ||
| Average total assets | $5,368,000 | 7,085 |
| Average earning assets | $4,651,600 | 7,071 |
| Average equity | $4,278,800 | 6,505 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3944% | 7,068 |
| Cost of funding earning assets | 0.0000% | 7,171 |
| Net interest margin | 2.3944% | 6,897 |
| Noninterest income to average assets | 88.1338% | 15 |
| Noninterest expense to average assets | 86.4803% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 2.2705% | 251 |
| Return on assets (ROA) | 2.2705% | 277 |
| Pretax return on assets | 3.7266% | 91 |
| Return on Equity (ROE) | 2.8719% | 5,718 |
| Retained earnings to average equity (ytd only) | 2.8719% | 4,829 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8687% | 682 |
| Assets per employee ($millions) | 0.2105% | 7,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 9.1374% | 7,161 |
| Equity capital to assets | 78.8194% | 24 |
| Core capital (leverage) ratio | 78.8194% | 21 |
| Tier 1 risk-based capital ratio | 200.4182% | 34 |
| Total risk-based capital ratio | 200.4182% | 34 |
| Memoranda: | ||
| Average total assets | $5,402,250 | 7,181 |
| Average earning assets | $4,677,500 | 7,167 |
| Average equity | $4,271,000 | 6,578 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5834% | 7,107 |
| Cost of funding earning assets | 0.0000% | 7,233 |
| Net interest margin | 2.5834% | 6,830 |
| Noninterest income to average assets | 88.4551% | 14 |
| Noninterest expense to average assets | 85.2203% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 3.3463% | 82 |
| Return on assets (ROA) | 3.3463% | 84 |
| Pretax return on assets | 5.4657% | 54 |
| Return on Equity (ROE) | 4.2283% | 5,168 |
| Retained earnings to average equity (ytd only) | 4.2283% | 3,799 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.9729% | 805 |
| Assets per employee ($millions) | 0.2145% | 7,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 8.9654% | 7,228 |
| Equity capital to assets | 77.0127% | 28 |
| Core capital (leverage) ratio | 77.0127% | 22 |
| Tier 1 risk-based capital ratio | 196.2083% | 29 |
| Total risk-based capital ratio | 196.2083% | 29 |
| Memoranda: | ||
| Average total assets | $5,379,000 | 7,245 |
| Average earning assets | $4,645,000 | 7,230 |
| Average equity | $4,257,000 | 6,611 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6552% | 7,145 |
| Cost of funding earning assets | 0.0000% | 7,293 |
| Net interest margin | 2.6552% | 6,830 |
| Noninterest income to average assets | 91.2879% | 13 |
| Noninterest expense to average assets | 85.0000% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 5.2273% | 44 |
| Return on assets (ROA) | 5.2273% | 48 |
| Pretax return on assets | 8.5606% | 36 |
| Return on Equity (ROE) | 6.5125% | 4,035 |
| Retained earnings to average equity (ytd only) | 6.5125% | 2,682 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8502% | 1,027 |
| Assets per employee ($millions) | 0.2055% | 7,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 9.3563% | 7,290 |
| Equity capital to assets | 79.9588% | 22 |
| Core capital (leverage) ratio | 79.9588% | 16 |
| Tier 1 risk-based capital ratio | 192.4775% | 27 |
| Total risk-based capital ratio | 192.4775% | 27 |
| Memoranda: | ||
| Average total assets | $5,280,000 | 7,308 |
| Average earning assets | $4,519,500 | 7,294 |
| Average equity | $4,238,000 | 6,649 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8286% | 7,218 |
| Cost of funding earning assets | 0.0000% | 7,346 |
| Net interest margin | 2.8286% | 6,786 |
| Noninterest income to average assets | 89.0237% | 15 |
| Noninterest expense to average assets | 87.2379% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.4771% | 135 |
| Return on assets (ROA) | 2.4771% | 143 |
| Pretax return on assets | 4.2246% | 72 |
| Return on Equity (ROE) | 3.1344% | 5,229 |
| Retained earnings to average equity (ytd only) | 3.1344% | 3,991 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3811% | 852 |
| Assets per employee ($millions) | 0.2086% | 7,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 9.5859% | 7,336 |
| Equity capital to assets | 80.5790% | 18 |
| Core capital (leverage) ratio | 80.5790% | 14 |
| Tier 1 risk-based capital ratio | 268.9060% | 18 |
| Total risk-based capital ratio | 268.9060% | 18 |
| Memoranda: | ||
| Average total assets | $5,207,600 | 7,357 |
| Average earning assets | $4,489,800 | 7,345 |
| Average equity | $4,115,600 | 6,723 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8520% | 7,292 |
| Cost of funding earning assets | 0.0000% | 7,423 |
| Net interest margin | 2.8520% | 6,826 |
| Noninterest income to average assets | 87.9818% | 15 |
| Noninterest expense to average assets | 87.9560% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3574% | 1,248 |
| Return on assets (ROA) | 1.3574% | 1,331 |
| Pretax return on assets | 2.4845% | 259 |
| Return on Equity (ROE) | 1.7260% | 5,862 |
| Retained earnings to average equity (ytd only) | 1.7260% | 5,280 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2529% | 761 |
| Assets per employee ($millions) | 0.2197% | 7,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 9.4823% | 7,412 |
| Equity capital to assets | 78.2287% | 27 |
| Core capital (leverage) ratio | 78.2287% | 24 |
| Tier 1 risk-based capital ratio | 260.7459% | 21 |
| Total risk-based capital ratio | 260.7459% | 22 |
| Memoranda: | ||
| Average total assets | $5,205,500 | 7,436 |
| Average earning assets | $4,488,000 | 7,424 |
| Average equity | $4,093,750 | 6,778 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0468% | 7,330 |
| Cost of funding earning assets | 0.0000% | 7,493 |
| Net interest margin | 3.0468% | 6,512 |
| Noninterest income to average assets | 89.0604% | 15 |
| Noninterest expense to average assets | 89.2147% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5049% | 879 |
| Return on assets (ROA) | 1.5049% | 940 |
| Pretax return on assets | 2.4696% | 259 |
| Return on Equity (ROE) | 1.9102% | 5,816 |
| Retained earnings to average equity (ytd only) | 1.9102% | 5,026 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.3064% | 819 |
| Assets per employee ($millions) | 0.2200% | 7,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 9.4679% | 7,487 |
| Equity capital to assets | 77.8072% | 31 |
| Core capital (leverage) ratio | 77.8072% | 25 |
| Tier 1 risk-based capital ratio | 262.5559% | 22 |
| Total risk-based capital ratio | 262.5559% | 22 |
| Memoranda: | ||
| Average total assets | $5,183,000 | 7,512 |
| Average earning assets | $4,463,670 | 7,500 |
| Average equity | $4,083,330 | 6,824 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6298% | 7,462 |
| Cost of funding earning assets | 0.0000% | 7,555 |
| Net interest margin | 2.6298% | 7,101 |
| Noninterest income to average assets | 88.0405% | 15 |
| Noninterest expense to average assets | 89.6767% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.3896% | 4,996 |
| Return on assets (ROA) | 0.3896% | 5,086 |
| Pretax return on assets | 0.6233% | 4,591 |
| Return on Equity (ROE) | 0.4913% | 6,265 |
| Retained earnings to average equity (ytd only) | 0.4913% | 5,627 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.3097% | 777 |
| Assets per employee ($millions) | 0.2092% | 7,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 9.5584% | 7,551 |
| Equity capital to assets | 77.8819% | 29 |
| Core capital (leverage) ratio | 77.8819% | 24 |
| Tier 1 risk-based capital ratio | 258.1749% | 23 |
| Total risk-based capital ratio | 258.1749% | 23 |
| Memoranda: | ||
| Average total assets | $5,134,000 | 7,573 |
| Average earning assets | $4,411,000 | 7,560 |
| Average equity | $4,070,500 | 6,859 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0714% | 7,486 |
| Cost of funding earning assets | 0.0228% | 7,626 |
| Net interest margin | 3.0486% | 6,639 |
| Noninterest income to average assets | 82.7450% | 16 |
| Noninterest expense to average assets | 85.0462% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -0.0975% | 5,986 |
| Return on assets (ROA) | -0.0975% | 6,045 |
| Pretax return on assets | 0.3120% | 5,201 |
| Return on Equity (ROE) | -0.1226% | 5,978 |
| Retained earnings to average equity (ytd only) | -0.1226% | 5,627 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6345% | 786 |
| Assets per employee ($millions) | 0.2190% | 7,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 9.9265% | 7,629 |
| Equity capital to assets | 80.7425% | 26 |
| Core capital (leverage) ratio | 80.7425% | 24 |
| Tier 1 risk-based capital ratio | 271.3142% | 28 |
| Total risk-based capital ratio | 271.3142% | 28 |
| Memoranda: | ||
| Average total assets | $5,127,800 | 7,655 |
| Average earning assets | $4,395,400 | 7,644 |
| Average equity | $4,076,800 | 6,970 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0225% | 7,623 |
| Cost of funding earning assets | 0.0302% | 7,724 |
| Net interest margin | 2.9923% | 6,852 |
| Noninterest income to average assets | 82.2683% | 18 |
| Noninterest expense to average assets | 84.0546% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.1035% | 5,770 |
| Return on assets (ROA) | 0.1035% | 5,914 |
| Pretax return on assets | 0.7766% | 3,986 |
| Return on Equity (ROE) | 0.1307% | 6,092 |
| Retained earnings to average equity (ytd only) | 0.1307% | 5,726 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.0845% | 775 |
| Assets per employee ($millions) | 0.2575% | 7,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 9.7087% | 7,733 |
| Equity capital to assets | 79.1068% | 31 |
| Core capital (leverage) ratio | 79.1068% | 28 |
| Tier 1 risk-based capital ratio | 267.6741% | 28 |
| Total risk-based capital ratio | 267.6741% | 28 |
| Memoranda: | ||
| Average total assets | $5,150,500 | 7,758 |
| Average earning assets | $4,411,250 | 7,746 |
| Average equity | $4,079,250 | 7,059 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1813% | 7,678 |
| Cost of funding earning assets | 0.0454% | 7,785 |
| Net interest margin | 3.1359% | 6,501 |
| Noninterest income to average assets | 82.7077% | 18 |
| Noninterest expense to average assets | 84.3385% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6213% | 3,775 |
| Return on assets (ROA) | 0.6213% | 3,911 |
| Pretax return on assets | 1.0484% | 2,943 |
| Return on Equity (ROE) | 0.7841% | 6,014 |
| Retained earnings to average equity (ytd only) | 0.7841% | 5,460 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7722% | 849 |
| Assets per employee ($millions) | 0.2614% | 7,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 9.5639% | 7,800 |
| Equity capital to assets | 78.0987% | 33 |
| Core capital (leverage) ratio | 78.0987% | 32 |
| Tier 1 risk-based capital ratio | 267.0373% | 27 |
| Total risk-based capital ratio | 267.0373% | 27 |
| Memoranda: | ||
| Average total assets | $5,150,670 | 7,827 |
| Average earning assets | $4,400,670 | 7,816 |
| Average equity | $4,081,000 | 7,092 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0439% | 7,797 |
| Cost of funding earning assets | 0.0922% | 7,882 |
| Net interest margin | 2.9517% | 6,936 |
| Noninterest income to average assets | 83.7246% | 15 |
| Noninterest expense to average assets | 82.6291% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 2.1909% | 256 |
| Return on assets (ROA) | 2.1909% | 280 |
| Pretax return on assets | 3.5994% | 95 |
| Return on Equity (ROE) | 2.7451% | 5,459 |
| Retained earnings to average equity (ytd only) | 2.7451% | 4,492 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8258% | 1,036 |
| Assets per employee ($millions) | 0.2877% | 7,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 9.6562% | 7,901 |
| Equity capital to assets | 79.0653% | 29 |
| Core capital (leverage) ratio | 79.0653% | 28 |
| Tier 1 risk-based capital ratio | 262.6042% | 23 |
| Total risk-based capital ratio | 262.6042% | 23 |
| Memoranda: | ||
| Average total assets | $5,112,000 | 7,932 |
| Average earning assets | $4,336,500 | 7,918 |
| Average equity | $4,080,000 | 7,153 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4972% | 7,833 |
| Cost of funding earning assets | 0.0939% | 7,968 |
| Net interest margin | 3.4033% | 5,347 |
| Noninterest income to average assets | 79.4939% | 16 |
| Noninterest expense to average assets | 81.2507% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.6317% | 3,211 |
| Return on assets (ROA) | 0.6317% | 3,271 |
| Pretax return on assets | 1.1055% | 2,232 |
| Return on Equity (ROE) | 0.7913% | 5,294 |
| Retained earnings to average equity (ytd only) | 0.7913% | 4,457 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.6577% | 1,171 |
| Assets per employee ($millions) | 0.2803% | 7,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 9.9088% | 7,975 |
| Equity capital to assets | 80.5787% | 29 |
| Core capital (leverage) ratio | 80.5787% | 27 |
| Tier 1 risk-based capital ratio | 258.6514% | 23 |
| Total risk-based capital ratio | 258.6514% | 23 |
| Memoranda: | ||
| Average total assets | $5,065,800 | 8,010 |
| Average earning assets | $4,260,600 | 7,999 |
| Average equity | $4,044,200 | 7,273 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5327% | 7,927 |
| Cost of funding earning assets | 0.0938% | 8,055 |
| Net interest margin | 3.4389% | 5,118 |
| Noninterest income to average assets | 78.7503% | 16 |
| Noninterest expense to average assets | 80.4068% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7100% | 3,167 |
| Return on assets (ROA) | 0.7100% | 3,235 |
| Pretax return on assets | 1.2359% | 2,146 |
| Return on Equity (ROE) | 0.8914% | 5,532 |
| Retained earnings to average equity (ytd only) | 0.8914% | 4,811 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.4863% | 1,140 |
| Assets per employee ($millions) | 0.2181% | 8,076 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 9.9661% | 8,062 |
| Equity capital to assets | 80.9249% | 30 |
| Core capital (leverage) ratio | 80.9249% | 28 |
| Tier 1 risk-based capital ratio | 253.2751% | 25 |
| Total risk-based capital ratio | 253.2751% | 25 |
| Memoranda: | ||
| Average total assets | $5,070,750 | 8,095 |
| Average earning assets | $4,264,750 | 8,085 |
| Average equity | $4,038,750 | 7,342 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7523% | 7,983 |
| Cost of funding earning assets | 0.0938% | 8,148 |
| Net interest margin | 3.6585% | 4,125 |
| Noninterest income to average assets | 77.8592% | 16 |
| Noninterest expense to average assets | 78.3702% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.5721% | 726 |
| Return on assets (ROA) | 1.5721% | 783 |
| Pretax return on assets | 2.5547% | 192 |
| Return on Equity (ROE) | 1.9843% | 5,303 |
| Retained earnings to average equity (ytd only) | 1.9843% | 4,238 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8431% | 1,319 |
| Assets per employee ($millions) | 0.2436% | 8,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 9.7733% | 8,158 |
| Equity capital to assets | 79.4762% | 31 |
| Core capital (leverage) ratio | 79.4762% | 28 |
| Tier 1 risk-based capital ratio | 245.6798% | 27 |
| Total risk-based capital ratio | 245.6798% | 27 |
| Memoranda: | ||
| Average total assets | $5,088,670 | 8,190 |
| Average earning assets | $4,264,000 | 8,178 |
| Average equity | $4,031,670 | 7,402 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0633% | 7,963 |
| Cost of funding earning assets | 0.0945% | 8,203 |
| Net interest margin | 3.9688% | 2,776 |
| Noninterest income to average assets | 73.9310% | 16 |
| Noninterest expense to average assets | 79.1330% | 16 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -1.1823% | 7,355 |
| Return on assets (ROA) | -1.1823% | 7,368 |
| Pretax return on assets | -1.8916% | 7,501 |
| Return on Equity (ROE) | -1.4946% | 6,611 |
| Retained earnings to average equity (ytd only) | -1.4946% | 6,002 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.4490% | 1,037 |
| Assets per employee ($millions) | 0.2266% | 8,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 10.0281% | 8,210 |
| Equity capital to assets | 80.3851% | 32 |
| Core capital (leverage) ratio | 80.3851% | 30 |
| Tier 1 risk-based capital ratio | 242.1752% | 28 |
| Total risk-based capital ratio | 242.1752% | 28 |
| Memoranda: | ||
| Average total assets | $5,075,000 | 8,242 |
| Average earning assets | $4,233,000 | 8,228 |
| Average equity | $4,014,500 | 7,450 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6668% | 7,986 |
| Cost of funding earning assets | 0.1812% | 8,246 |
| Net interest margin | 4.4855% | 1,461 |
| Noninterest income to average assets | 84.1941% | 17 |
| Noninterest expense to average assets | 88.4915% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | -0.4477% | 6,875 |
| Return on assets (ROA) | -0.2505% | 6,526 |
| Pretax return on assets | -0.2698% | 6,433 |
| Return on Equity (ROE) | -0.3217% | 6,273 |
| Retained earnings to average equity (ytd only) | -0.3217% | 5,383 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.5474% | 964 |
| Assets per employee ($millions) | 0.2347% | 8,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 9.6824% | 8,266 |
| Equity capital to assets | 77.8660% | 38 |
| Core capital (leverage) ratio | 77.8660% | 36 |
| Tier 1 risk-based capital ratio | 306.0122% | 25 |
| Total risk-based capital ratio | 306.0122% | 25 |
| Memoranda: | ||
| Average total assets | $5,189,200 | 8,296 |
| Average earning assets | $4,414,200 | 8,286 |
| Average equity | $4,041,600 | 7,500 |
| Average total loans | NA | NA |