Home > DSRM National Bank > Performance and Condition Ratios
DSRM National Bank, Performance and Condition Ratios
| 2025-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 303 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0670% | 4,444 |
| Cost of funding earning assets | 0.5936% | 4,249 |
| Net interest margin | 2.4734% | 4,054 |
| Noninterest income to average assets | 14.3400% | 88 |
| Noninterest expense to average assets | 13.6695% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 2,722 |
| Net operating income to assets | 2.1986% | 329 |
| Return on assets (ROA) | 2.1986% | 333 |
| Pretax return on assets | 3.0589% | 174 |
| Return on Equity (ROE) | 2.5700% | 3,925 |
| Retained earnings to average equity (ytd only) | 2.5659% | 3,191 |
| Net charge-offs to loans | 0.0000% | 2,326 |
| Credit loss provision to net charge-offs | 0.0000% | 1,760 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
| Efficiency ratio | 81.7143% | 829 |
| Assets per employee ($millions) | 2.0970% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,373 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,773 |
| 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% | 4,354 |
| Net loans and leases to deposits | 0.0000% | 4,363 |
| Net loans and leases to core deposits | 0.0000% | 4,352 |
| Total domestic deposits to total assets | 11.9200% | 4,362 |
| Equity capital to assets | 85.7654% | 87 |
| Core capital (leverage) ratio | 88.6397% | 44 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 173.2659% | 49 |
| Memoranda: | ||
| Average total assets | $4,184,500 | 4,443 |
| Average earning assets | $4,043,000 | 4,421 |
| Average equity | $3,585,500 | 4,318 |
| Average total loans | $0 | 4,354 |
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6832% | 4,467 |
| Cost of funding earning assets | 0.7272% | 4,213 |
| Net interest margin | 1.9560% | 4,274 |
| Noninterest income to average assets | 14.3600% | 93 |
| Noninterest expense to average assets | 13.7039% | 91 |
| Loan and lease loss provision to assets | 0.0000% | 3,171 |
| Net operating income to assets | 2.0508% | 359 |
| Return on assets (ROA) | 2.0508% | 365 |
| Pretax return on assets | 2.5333% | 289 |
| Return on Equity (ROE) | 2.4100% | 3,943 |
| Retained earnings to average equity (ytd only) | 2.4083% | 3,254 |
| Net charge-offs to loans | 0.0000% | 3,099 |
| Credit loss provision to net charge-offs | 0.0000% | 2,577 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
| Efficiency ratio | 84.3982% | 769 |
| Assets per employee ($millions) | 2.0875% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
| 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 | 11.9800% | 4,386 |
| Equity capital to assets | 85.6048% | 89 |
| Core capital (leverage) ratio | 85.6048% | 44 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 153.3248% | 53 |
| Memoranda: | ||
| Average total assets | $4,144,800 | 4,473 |
| Average earning assets | $3,987,800 | 4,444 |
| Average equity | $3,529,400 | 4,332 |
| Average total loans | $0 | 4,379 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4827% | 4,508 |
| Cost of funding earning assets | 0.7381% | 4,231 |
| Net interest margin | 1.7446% | 4,369 |
| Noninterest income to average assets | 13.9200% | 86 |
| Noninterest expense to average assets | 13.2452% | 89 |
| Loan and lease loss provision to assets | 0.0000% | 3,009 |
| Net operating income to assets | 1.9658% | 455 |
| Return on assets (ROA) | 1.9658% | 454 |
| Pretax return on assets | 2.3526% | 393 |
| Return on Equity (ROE) | 2.3100% | 3,980 |
| Retained earnings to average equity (ytd only) | 2.3117% | 3,370 |
| Net charge-offs to loans | 0.0000% | 2,849 |
| Credit loss provision to net charge-offs | 0.0000% | 2,285 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
| Efficiency ratio | 84.9174% | 757 |
| Assets per employee ($millions) | 2.0810% | 4,379 |
| 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 | 12.0100% | 4,418 |
| Equity capital to assets | 85.2955% | 86 |
| Core capital (leverage) ratio | 85.5216% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $4,137,250 | 4,504 |
| Average earning assets | $3,974,000 | 4,475 |
| Average equity | $3,518,250 | 4,358 |
| Average total loans | $0 | 4,410 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3682% | 4,535 |
| Cost of funding earning assets | 0.7558% | 4,222 |
| Net interest margin | 1.6124% | 4,412 |
| Noninterest income to average assets | 13.6100% | 92 |
| Noninterest expense to average assets | 12.9814% | 94 |
| Loan and lease loss provision to assets | 0.0000% | 2,867 |
| Net operating income to assets | 1.9860% | 441 |
| Return on assets (ROA) | 1.9860% | 442 |
| Pretax return on assets | 2.1797% | 498 |
| Return on Equity (ROE) | 2.3400% | 3,979 |
| Retained earnings to average equity (ytd only) | 2.3377% | 3,238 |
| Net charge-offs to loans | 0.0000% | 2,619 |
| Credit loss provision to net charge-offs | 0.0000% | 2,036 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
| Efficiency ratio | 85.6230% | 763 |
| Assets per employee ($millions) | 2.0710% | 4,397 |
| 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 | 12.0700% | 4,437 |
| Equity capital to assets | 85.2245% | 91 |
| Core capital (leverage) ratio | 85.1423% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $4,129,000 | 4,522 |
| Average earning assets | $3,969,333 | 4,492 |
| Average equity | $3,507,667 | 4,374 |
| Average total loans | $0 | 4,430 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2267% | 4,562 |
| Cost of funding earning assets | 0.7085% | 4,246 |
| Net interest margin | 1.5182% | 4,458 |
| Noninterest income to average assets | 13.4900% | 89 |
| Noninterest expense to average assets | 12.8078% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 2,519 |
| Net operating income to assets | 1.4554% | 971 |
| Return on assets (ROA) | 1.4554% | 975 |
| Pretax return on assets | 2.1346% | 533 |
| Return on Equity (ROE) | 1.7200% | 4,046 |
| Retained earnings to average equity (ytd only) | 1.7160% | 3,312 |
| Net charge-offs to loans | 0.0000% | 2,236 |
| Credit loss provision to net charge-offs | 0.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
| Efficiency ratio | 85.7143% | 800 |
| Assets per employee ($millions) | 2.0670% | 4,427 |
| 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 | 12.0900% | 4,491 |
| Equity capital to assets | 84.7605% | 92 |
| Core capital (leverage) ratio | 83.3096% | 54 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $4,122,500 | 4,552 |
| Average earning assets | $3,952,000 | 4,522 |
| Average equity | $3,496,500 | 4,396 |
| Average total loans | $0 | 4,458 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8324% | 4,579 |
| Cost of funding earning assets | 0.7635% | 3,829 |
| Net interest margin | 1.0689% | 4,541 |
| Noninterest income to average assets | 13.6300% | 85 |
| Noninterest expense to average assets | 12.9737% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.2193% | 1,604 |
| Return on assets (ROA) | 1.2193% | 1,578 |
| Pretax return on assets | 1.6827% | 1,095 |
| Return on Equity (ROE) | 1.4400% | 4,217 |
| Retained earnings to average equity (ytd only) | 1.4441% | 3,727 |
| Net charge-offs to loans | 0.0000% | 2,917 |
| Credit loss provision to net charge-offs | 0.0000% | 2,397 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,831 |
| Efficiency ratio | 88.5191% | 468 |
| Assets per employee ($millions) | 2.0555% | 4,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| 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 | 12.1600% | 4,512 |
| Equity capital to assets | 84.8699% | 90 |
| Core capital (leverage) ratio | 84.9112% | 46 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $4,100,600 | 4,586 |
| Average earning assets | $3,929,200 | 4,541 |
| Average equity | $3,462,400 | 4,392 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7348% | 4,597 |
| Cost of funding earning assets | 0.7823% | 3,572 |
| Net interest margin | 0.9524% | 4,561 |
| Noninterest income to average assets | 12.6200% | 85 |
| Noninterest expense to average assets | 12.0056% | 102 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.1387% | 1,942 |
| Return on assets (ROA) | 1.1387% | 1,924 |
| Pretax return on assets | 1.5292% | 1,507 |
| Return on Equity (ROE) | 1.3500% | 4,277 |
| Retained earnings to average equity (ytd only) | 1.3504% | 3,877 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 88.7019% | 422 |
| Assets per employee ($millions) | 2.0470% | 4,470 |
| 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 | 12.2100% | 4,540 |
| Equity capital to assets | 84.8559% | 91 |
| Core capital (leverage) ratio | 84.9596% | 47 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $4,098,000 | 4,611 |
| Average earning assets | $3,919,750 | 4,569 |
| Average equity | $3,455,750 | 4,408 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6314% | 4,633 |
| Cost of funding earning assets | 0.7647% | 3,315 |
| Net interest margin | 0.8667% | 4,603 |
| Noninterest income to average assets | 12.1500% | 84 |
| Noninterest expense to average assets | 11.5629% | 100 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0246% | 2,342 |
| Return on assets (ROA) | 1.0246% | 2,335 |
| Pretax return on assets | 1.4149% | 1,774 |
| Return on Equity (ROE) | 1.2200% | 4,352 |
| Retained earnings to average equity (ytd only) | 1.2175% | 3,873 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 89.0977% | 382 |
| Assets per employee ($millions) | 2.0495% | 4,500 |
| 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 | 12.2000% | 4,565 |
| Equity capital to assets | 84.4108% | 91 |
| Core capital (leverage) ratio | 84.3697% | 53 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $4,099,333 | 4,634 |
| Average earning assets | $3,923,000 | 4,596 |
| Average equity | $3,449,667 | 4,441 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6347% | 4,662 |
| Cost of funding earning assets | 0.7152% | 3,008 |
| Net interest margin | 0.9195% | 4,658 |
| Noninterest income to average assets | 11.8100% | 88 |
| Noninterest expense to average assets | 11.2209% | 101 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.0733% | 2,311 |
| Return on assets (ROA) | 1.0733% | 2,280 |
| Pretax return on assets | 1.4636% | 1,745 |
| Return on Equity (ROE) | 1.2800% | 4,359 |
| Retained earnings to average equity (ytd only) | 1.2774% | 3,826 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 88.4615% | 408 |
| Assets per employee ($millions) | 2.0465% | 4,570 |
| 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 | 12.2200% | 4,614 |
| Equity capital to assets | 84.2903% | 48 |
| Core capital (leverage) ratio | 84.2697% | 50 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $4,099,500 | 4,689 |
| Average earning assets | $3,915,000 | 4,666 |
| Average equity | $3,444,500 | 4,503 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0338% | 4,686 |
| Cost of funding earning assets | 0.2068% | 3,700 |
| Net interest margin | 0.8270% | 4,688 |
| Noninterest income to average assets | 14.0000% | 83 |
| Noninterest expense to average assets | 13.3314% | 89 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.0823% | 2,249 |
| Return on assets (ROA) | 1.0823% | 2,192 |
| Pretax return on assets | 1.4512% | 1,609 |
| Return on Equity (ROE) | 1.2900% | 4,460 |
| Retained earnings to average equity (ytd only) | 1.2890% | 4,139 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 90.1830% | 296 |
| Assets per employee ($millions) | 2.0530% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 12.1800% | 4,645 |
| Equity capital to assets | 83.7555% | 49 |
| Core capital (leverage) ratio | 84.0010% | 51 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $4,065,600 | 4,721 |
| Average earning assets | $3,869,200 | 4,697 |
| Average equity | $3,413,400 | 4,579 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8303% | 4,719 |
| Cost of funding earning assets | 0.2076% | 3,184 |
| Net interest margin | 0.6227% | 4,727 |
| Noninterest income to average assets | 12.6600% | 91 |
| Noninterest expense to average assets | 12.0327% | 95 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.8877% | 2,928 |
| Return on assets (ROA) | 0.8877% | 2,896 |
| Pretax return on assets | 1.2164% | 2,308 |
| Return on Equity (ROE) | 1.0600% | 4,493 |
| Retained earnings to average equity (ytd only) | 1.0566% | 4,206 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 90.8189% | 301 |
| Assets per employee ($millions) | 2.0350% | 4,642 |
| 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 | 12.2900% | 4,688 |
| Equity capital to assets | 84.0786% | 50 |
| Core capital (leverage) ratio | 84.3273% | 55 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $4,055,500 | 4,760 |
| Average earning assets | $3,854,000 | 4,736 |
| Average equity | $3,407,000 | 4,620 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6753% | 4,752 |
| Cost of funding earning assets | 0.2078% | 2,813 |
| Net interest margin | 0.4675% | 4,758 |
| Noninterest income to average assets | 12.3436% | 51 |
| Noninterest expense to average assets | 11.7512% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7900% | 2,997 |
| Return on assets (ROA) | 0.7900% | 2,962 |
| Pretax return on assets | 1.0369% | 2,617 |
| Return on Equity (ROE) | 0.9406% | 4,469 |
| Retained earnings to average equity (ytd only) | 0.9406% | 4,010 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8919% | 345 |
| Assets per employee ($millions) | 2.0190% | 4,695 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.3824% | 4,752 |
| Equity capital to assets | 84.4477% | 23 |
| Core capital (leverage) ratio | 84.0523% | 28 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,050,667 | 4,778 |
| Average earning assets | $3,850,333 | 4,766 |
| Average equity | $3,402,000 | 4,667 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4160% | 4,784 |
| Cost of funding earning assets | 0.2080% | 2,690 |
| Net interest margin | 0.2080% | 4,786 |
| Noninterest income to average assets | 12.1272% | 52 |
| Noninterest expense to average assets | 11.5356% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.5916% | 3,421 |
| Return on assets (ROA) | 0.5916% | 3,401 |
| Pretax return on assets | 0.7888% | 3,142 |
| Return on Equity (ROE) | 0.7063% | 4,459 |
| Retained earnings to average equity (ytd only) | 0.7063% | 3,876 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.6000% | 401 |
| Assets per employee ($millions) | 1.3543% | 4,749 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.3062% | 4,779 |
| Equity capital to assets | 83.7066% | 20 |
| Core capital (leverage) ratio | 83.7891% | 24 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,057,000 | 4,803 |
| Average earning assets | $3,846,500 | 4,792 |
| Average equity | $3,398,000 | 4,696 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8331% | 4,796 |
| Cost of funding earning assets | 0.1822% | 3,634 |
| Net interest margin | 0.6508% | 4,799 |
| Noninterest income to average assets | 13.5115% | 51 |
| Noninterest expense to average assets | 12.8716% | 54 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.9352% | 2,921 |
| Return on assets (ROA) | 0.9352% | 2,985 |
| Pretax return on assets | 1.2552% | 2,506 |
| Return on Equity (ROE) | 1.1257% | 4,596 |
| Retained earnings to average equity (ytd only) | 1.1257% | 4,224 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1150% | 288 |
| Assets per employee ($millions) | 1.3503% | 4,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.3426% | 4,824 |
| Equity capital to assets | 83.8065% | 16 |
| Core capital (leverage) ratio | 83.7238% | 16 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,063,200 | 4,846 |
| Average earning assets | $3,841,200 | 4,835 |
| Average equity | $3,375,600 | 4,750 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9377% | 4,875 |
| Cost of funding earning assets | 0.2084% | 3,529 |
| Net interest margin | 0.7293% | 4,880 |
| Noninterest income to average assets | 11.5419% | 58 |
| Noninterest expense to average assets | 10.9845% | 65 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.9181% | 3,185 |
| Return on assets (ROA) | 0.9181% | 3,255 |
| Pretax return on assets | 1.2460% | 2,782 |
| Return on Equity (ROE) | 1.1075% | 4,686 |
| Retained earnings to average equity (ytd only) | 1.1075% | 4,394 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8123% | 328 |
| Assets per employee ($millions) | 2.0235% | 4,838 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.3548% | 4,899 |
| Equity capital to assets | 83.6422% | 18 |
| Core capital (leverage) ratio | 83.5596% | 23 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,066,250 | 4,921 |
| Average earning assets | $3,839,000 | 4,910 |
| Average equity | $3,370,750 | 4,819 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9363% | 4,917 |
| Cost of funding earning assets | 0.1560% | 4,157 |
| Net interest margin | 0.7802% | 4,917 |
| Noninterest income to average assets | 11.4912% | 59 |
| Noninterest expense to average assets | 10.9511% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.9330% | 3,120 |
| Return on assets (ROA) | 0.9330% | 3,199 |
| Pretax return on assets | 1.2768% | 2,690 |
| Return on Equity (ROE) | 1.1289% | 4,684 |
| Retained earnings to average equity (ytd only) | 1.1289% | 4,311 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5582% | 357 |
| Assets per employee ($millions) | 2.0340% | 4,875 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.2911% | 4,936 |
| Equity capital to assets | 82.9892% | 20 |
| Core capital (leverage) ratio | 82.9688% | 23 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,072,667 | 4,958 |
| Average earning assets | $3,845,000 | 4,947 |
| Average equity | $3,366,000 | 4,854 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8331% | 4,951 |
| Cost of funding earning assets | 0.2083% | 3,840 |
| Net interest margin | 0.6248% | 4,952 |
| Noninterest income to average assets | 11.8773% | 61 |
| Noninterest expense to average assets | 11.2883% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.8834% | 3,171 |
| Return on assets (ROA) | 0.8834% | 3,252 |
| Pretax return on assets | 1.1779% | 2,906 |
| Return on Equity (ROE) | 1.0711% | 4,702 |
| Retained earnings to average equity (ytd only) | 1.0711% | 4,199 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5512% | 357 |
| Assets per employee ($millions) | 2.0475% | 4,901 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.2100% | 4,963 |
| Equity capital to assets | 82.1734% | 18 |
| Core capital (leverage) ratio | 82.3141% | 22 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $4,075,000 | 4,985 |
| Average earning assets | $3,841,000 | 4,974 |
| Average equity | $3,361,000 | 4,879 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4223% | 4,950 |
| Cost of funding earning assets | 0.3951% | 3,608 |
| Net interest margin | 1.0272% | 4,959 |
| Noninterest income to average assets | 14.9565% | 51 |
| Noninterest expense to average assets | 14.2443% | 51 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.2718% | 1,328 |
| Return on assets (ROA) | 1.2718% | 1,434 |
| Pretax return on assets | 1.7042% | 850 |
| Return on Equity (ROE) | 1.5003% | 4,623 |
| Retained earnings to average equity (ytd only) | 1.5003% | 4,032 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3142% | 396 |
| Assets per employee ($millions) | 2.0275% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.3305% | 4,986 |
| Equity capital to assets | 82.7867% | 19 |
| Core capital (leverage) ratio | 83.6948% | 20 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,931,400 | 5,008 |
| Average earning assets | $3,796,800 | 4,997 |
| Average equity | $3,332,600 | 4,894 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4425% | 4,999 |
| Cost of funding earning assets | 0.3870% | 3,887 |
| Net interest margin | 1.0555% | 5,001 |
| Noninterest income to average assets | 15.0062% | 50 |
| Noninterest expense to average assets | 14.2884% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.2648% | 1,435 |
| Return on assets (ROA) | 1.2648% | 1,554 |
| Pretax return on assets | 1.7433% | 883 |
| Return on Equity (ROE) | 1.4830% | 4,625 |
| Retained earnings to average equity (ytd only) | 1.4830% | 4,090 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1258% | 385 |
| Assets per employee ($millions) | 1.9445% | 4,957 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.8568% | 5,017 |
| Equity capital to assets | 85.9861% | 17 |
| Core capital (leverage) ratio | 86.0082% | 17 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,900,500 | 5,041 |
| Average earning assets | $3,789,750 | 5,030 |
| Average equity | $3,326,500 | 4,921 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6355% | 5,034 |
| Cost of funding earning assets | 0.4221% | 3,939 |
| Net interest margin | 1.2134% | 5,036 |
| Noninterest income to average assets | 14.8041% | 49 |
| Noninterest expense to average assets | 14.0869% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.3831% | 1,149 |
| Return on assets (ROA) | 1.3831% | 1,241 |
| Pretax return on assets | 1.8953% | 677 |
| Return on Equity (ROE) | 1.6262% | 4,600 |
| Retained earnings to average equity (ytd only) | 1.6262% | 3,900 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1410% | 446 |
| Assets per employee ($millions) | 1.9360% | 4,996 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.9132% | 5,049 |
| Equity capital to assets | 86.1054% | 16 |
| Core capital (leverage) ratio | 85.3122% | 18 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,904,333 | 5,074 |
| Average earning assets | $3,791,000 | 5,063 |
| Average equity | $3,320,667 | 4,952 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5798% | 5,099 |
| Cost of funding earning assets | 0.4213% | 4,273 |
| Net interest margin | 1.1585% | 5,097 |
| Noninterest income to average assets | 16.7326% | 41 |
| Noninterest expense to average assets | 15.9163% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.4284% | 927 |
| Return on assets (ROA) | 1.4284% | 997 |
| Pretax return on assets | 1.9385% | 523 |
| Return on Equity (ROE) | 1.6898% | 4,514 |
| Retained earnings to average equity (ytd only) | 1.6898% | 3,554 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1429% | 526 |
| Assets per employee ($millions) | 1.3143% | 5,064 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.6807% | 5,096 |
| Equity capital to assets | 84.2252% | 24 |
| Core capital (leverage) ratio | 84.6762% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,920,500 | 5,124 |
| Average earning assets | $3,798,000 | 5,112 |
| Average equity | $3,314,000 | 5,001 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8434% | 5,148 |
| Cost of funding earning assets | 0.5343% | 3,951 |
| Net interest margin | 1.3091% | 5,144 |
| Noninterest income to average assets | 16.5744% | 43 |
| Noninterest expense to average assets | 15.7470% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5256% | 994 |
| Return on assets (ROA) | 1.5256% | 1,054 |
| Pretax return on assets | 2.0944% | 485 |
| Return on Equity (ROE) | 1.8003% | 4,817 |
| Retained earnings to average equity (ytd only) | 1.8003% | 4,084 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2609% | 423 |
| Assets per employee ($millions) | 1.2993% | 5,122 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.8271% | 5,155 |
| Equity capital to assets | 84.8384% | 26 |
| Core capital (leverage) ratio | 84.9910% | 23 |
| Tier 1 risk-based capital ratio | 272.4053% | 17 |
| Total risk-based capital ratio | 272.4053% | 17 |
| Memoranda: | ||
| Average total assets | $3,867,400 | 5,185 |
| Average earning assets | $3,743,000 | 5,172 |
| Average equity | $3,277,200 | 5,054 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7842% | 5,236 |
| Cost of funding earning assets | 0.5352% | 3,998 |
| Net interest margin | 1.2489% | 5,232 |
| Noninterest income to average assets | 15.8901% | 43 |
| Noninterest expense to average assets | 15.0611% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4853% | 1,228 |
| Return on assets (ROA) | 1.4853% | 1,284 |
| Pretax return on assets | 2.0380% | 634 |
| Return on Equity (ROE) | 1.7533% | 4,928 |
| Retained earnings to average equity (ytd only) | 1.7533% | 4,348 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0808% | 392 |
| Assets per employee ($millions) | 1.2883% | 5,200 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.9366% | 5,237 |
| Equity capital to assets | 85.1488% | 20 |
| Core capital (leverage) ratio | 85.0168% | 23 |
| Tier 1 risk-based capital ratio | 270.1970% | 19 |
| Total risk-based capital ratio | 270.1970% | 19 |
| Memoranda: | ||
| Average total assets | $3,859,750 | 5,264 |
| Average earning assets | $3,736,750 | 5,250 |
| Average equity | $3,269,750 | 5,131 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8174% | 5,287 |
| Cost of funding earning assets | 0.5345% | 3,955 |
| Net interest margin | 1.2828% | 5,280 |
| Noninterest income to average assets | 15.8113% | 42 |
| Noninterest expense to average assets | 14.9819% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.5552% | 1,002 |
| Return on assets (ROA) | 1.5552% | 1,042 |
| Pretax return on assets | 2.0736% | 587 |
| Return on Equity (ROE) | 1.8390% | 4,962 |
| Retained earnings to average equity (ytd only) | 1.8390% | 4,163 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8419% | 448 |
| Assets per employee ($millions) | 1.2913% | 5,250 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.9066% | 5,284 |
| Equity capital to assets | 84.6154% | 20 |
| Core capital (leverage) ratio | 84.4845% | 23 |
| Tier 1 risk-based capital ratio | 273.3945% | 17 |
| Total risk-based capital ratio | 273.3945% | 17 |
| Memoranda: | ||
| Average total assets | $3,858,000 | 5,311 |
| Average earning assets | $3,741,670 | 5,297 |
| Average equity | $3,262,670 | 5,173 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7138% | 5,357 |
| Cost of funding earning assets | 0.5355% | 3,894 |
| Net interest margin | 1.1782% | 5,349 |
| Noninterest income to average assets | 16.0000% | 41 |
| Noninterest expense to average assets | 15.0649% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.4545% | 1,219 |
| Return on assets (ROA) | 1.4545% | 1,248 |
| Pretax return on assets | 2.0779% | 555 |
| Return on Equity (ROE) | 1.7204% | 4,998 |
| Retained earnings to average equity (ytd only) | 1.7204% | 4,132 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8788% | 488 |
| Assets per employee ($millions) | 1.2920% | 5,308 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 12.8999% | 5,342 |
| Equity capital to assets | 84.1589% | 22 |
| Core capital (leverage) ratio | 84.2459% | 22 |
| Tier 1 risk-based capital ratio | 266.5033% | 17 |
| Total risk-based capital ratio | 266.5033% | 17 |
| Memoranda: | ||
| Average total assets | $3,850,000 | 5,370 |
| Average earning assets | $3,734,500 | 5,355 |
| Average equity | $3,255,000 | 5,229 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7696% | 5,382 |
| Cost of funding earning assets | 0.4494% | 3,688 |
| Net interest margin | 1.3202% | 5,379 |
| Noninterest income to average assets | 18.1203% | 41 |
| Noninterest expense to average assets | 17.2487% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.3207% | 1,716 |
| Return on assets (ROA) | 1.3207% | 1,707 |
| Pretax return on assets | 2.1132% | 425 |
| Return on Equity (ROE) | 1.5550% | 5,101 |
| Retained earnings to average equity (ytd only) | 1.5550% | 4,515 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0859% | 384 |
| Assets per employee ($millions) | 1.2747% | 5,354 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.0753% | 5,385 |
| Equity capital to assets | 84.7019% | 22 |
| Core capital (leverage) ratio | 84.9685% | 20 |
| Tier 1 risk-based capital ratio | 279.4651% | 17 |
| Total risk-based capital ratio | 279.4651% | 17 |
| Memoranda: | ||
| Average total assets | $3,785,800 | 5,413 |
| Average earning assets | $3,560,200 | 5,399 |
| Average equity | $3,215,400 | 5,266 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7072% | 5,457 |
| Cost of funding earning assets | 0.4553% | 3,491 |
| Net interest margin | 1.2520% | 5,463 |
| Noninterest income to average assets | 17.1241% | 42 |
| Noninterest expense to average assets | 16.3119% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4477% | 1,333 |
| Return on assets (ROA) | 1.4477% | 1,337 |
| Pretax return on assets | 1.9774% | 659 |
| Return on Equity (ROE) | 1.7034% | 5,162 |
| Retained earnings to average equity (ytd only) | 1.7034% | 4,672 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1892% | 357 |
| Assets per employee ($millions) | 1.2633% | 5,424 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.1926% | 5,458 |
| Equity capital to assets | 85.2243% | 22 |
| Core capital (leverage) ratio | 85.3820% | 20 |
| Tier 1 risk-based capital ratio | 273.9610% | 18 |
| Total risk-based capital ratio | 273.9610% | 18 |
| Memoranda: | ||
| Average total assets | $3,776,250 | 5,485 |
| Average earning assets | $3,514,500 | 5,472 |
| Average equity | $3,209,500 | 5,334 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8492% | 5,509 |
| Cost of funding earning assets | 0.4623% | 3,269 |
| Net interest margin | 1.3869% | 5,520 |
| Noninterest income to average assets | 16.3853% | 41 |
| Noninterest expense to average assets | 15.5899% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.5378% | 1,057 |
| Return on assets (ROA) | 1.5378% | 1,062 |
| Pretax return on assets | 2.0680% | 514 |
| Return on Equity (ROE) | 1.8110% | 5,196 |
| Retained earnings to average equity (ytd only) | 1.8110% | 4,519 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2883% | 447 |
| Assets per employee ($millions) | 1.2540% | 5,488 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.2908% | 5,520 |
| Equity capital to assets | 85.5396% | 21 |
| Core capital (leverage) ratio | 84.8853% | 23 |
| Tier 1 risk-based capital ratio | 280.3136% | 19 |
| Total risk-based capital ratio | 280.3136% | 19 |
| Memoranda: | ||
| Average total assets | $3,771,670 | 5,549 |
| Average earning assets | $3,461,000 | 5,536 |
| Average equity | $3,202,670 | 5,398 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4320% | 5,595 |
| Cost of funding earning assets | 0.4773% | 2,986 |
| Net interest margin | 0.9547% | 5,600 |
| Noninterest income to average assets | 16.9469% | 41 |
| Noninterest expense to average assets | 16.0996% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2710% | 1,741 |
| Return on assets (ROA) | 1.2710% | 1,747 |
| Pretax return on assets | 1.6947% | 1,129 |
| Return on Equity (ROE) | 1.5023% | 5,252 |
| Retained earnings to average equity (ytd only) | 1.5023% | 4,489 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4762% | 420 |
| Assets per employee ($millions) | 1.2627% | 5,550 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.1996% | 5,584 |
| Equity capital to assets | 84.5037% | 25 |
| Core capital (leverage) ratio | 84.6825% | 23 |
| Tier 1 risk-based capital ratio | 414.6373% | 12 |
| Total risk-based capital ratio | 414.6373% | 12 |
| Memoranda: | ||
| Average total assets | $3,776,500 | 5,614 |
| Average earning assets | $3,352,000 | 5,602 |
| Average equity | $3,195,000 | 5,454 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5702% | 5,624 |
| Cost of funding earning assets | 0.4996% | 2,336 |
| Net interest margin | 1.0706% | 5,643 |
| Noninterest income to average assets | 17.9879% | 41 |
| Noninterest expense to average assets | 17.1326% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.0157% | 2,170 |
| Return on assets (ROA) | 1.0157% | 2,205 |
| Pretax return on assets | 1.6571% | 1,130 |
| Return on Equity (ROE) | 1.1989% | 5,206 |
| Retained earnings to average equity (ytd only) | 1.1989% | 4,543 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1807% | 375 |
| Assets per employee ($millions) | 1.2550% | 5,613 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.2802% | 5,649 |
| Equity capital to assets | 84.7012% | 21 |
| Core capital (leverage) ratio | 84.9720% | 18 |
| Tier 1 risk-based capital ratio | 341.4347% | 15 |
| Total risk-based capital ratio | 341.4347% | 15 |
| Memoranda: | ||
| Average total assets | $3,741,400 | 5,678 |
| Average earning assets | $2,802,200 | 5,667 |
| Average equity | $3,169,600 | 5,512 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5153% | 5,702 |
| Cost of funding earning assets | 0.5050% | 2,229 |
| Net interest margin | 1.0103% | 5,721 |
| Noninterest income to average assets | 17.4180% | 44 |
| Noninterest expense to average assets | 16.5970% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0352% | 2,392 |
| Return on assets (ROA) | 1.0352% | 2,428 |
| Pretax return on assets | 1.5350% | 1,646 |
| Return on Equity (ROE) | 1.2219% | 5,405 |
| Retained earnings to average equity (ytd only) | 1.2219% | 4,915 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5354% | 354 |
| Assets per employee ($millions) | 1.2490% | 5,678 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.3440% | 5,716 |
| Equity capital to assets | 84.8679% | 21 |
| Core capital (leverage) ratio | 85.3921% | 21 |
| Tier 1 risk-based capital ratio | 329.8755% | 13 |
| Total risk-based capital ratio | 329.8755% | 13 |
| Memoranda: | ||
| Average total assets | $3,735,500 | 5,745 |
| Average earning assets | $2,639,750 | 5,734 |
| Average equity | $3,164,750 | 5,578 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6243% | 5,745 |
| Cost of funding earning assets | 0.5414% | 1,832 |
| Net interest margin | 1.0829% | 5,767 |
| Noninterest income to average assets | 17.3113% | 44 |
| Noninterest expense to average assets | 16.5074% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9647% | 2,586 |
| Return on assets (ROA) | 0.9647% | 2,641 |
| Pretax return on assets | 1.5543% | 1,479 |
| Return on Equity (ROE) | 1.1394% | 5,452 |
| Retained earnings to average equity (ytd only) | 1.1394% | 4,784 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3947% | 383 |
| Assets per employee ($millions) | 1.2390% | 5,731 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.4517% | 5,767 |
| Equity capital to assets | 85.2569% | 21 |
| Core capital (leverage) ratio | 85.0054% | 23 |
| Tier 1 risk-based capital ratio | 338.9305% | 13 |
| Total risk-based capital ratio | 338.9305% | 13 |
| Memoranda: | ||
| Average total assets | $3,731,670 | 5,795 |
| Average earning assets | $2,585,670 | 5,784 |
| Average equity | $3,159,670 | 5,623 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4665% | 5,823 |
| Cost of funding earning assets | 0.4400% | 2,614 |
| Net interest margin | 1.0266% | 5,836 |
| Noninterest income to average assets | 17.5448% | 43 |
| Noninterest expense to average assets | 16.7959% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8558% | 2,967 |
| Return on assets (ROA) | 0.8558% | 3,011 |
| Pretax return on assets | 1.4977% | 1,536 |
| Return on Equity (ROE) | 1.0143% | 5,491 |
| Retained earnings to average equity (ytd only) | 1.0143% | 4,655 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8129% | 459 |
| Assets per employee ($millions) | 1.2480% | 5,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 13.3547% | 5,833 |
| Equity capital to assets | 84.3750% | 27 |
| Core capital (leverage) ratio | 84.3300% | 24 |
| Tier 1 risk-based capital ratio | 341.8831% | 13 |
| Total risk-based capital ratio | 341.8831% | 13 |
| Memoranda: | ||
| Average total assets | $3,739,000 | 5,864 |
| Average earning assets | $2,727,500 | 5,853 |
| Average equity | $3,155,000 | 5,683 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3717% | 5,871 |
| Cost of funding earning assets | 0.4191% | 2,812 |
| Net interest margin | 0.9526% | 5,882 |
| Noninterest income to average assets | 17.4842% | 45 |
| Noninterest expense to average assets | 16.6478% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.9444% | 2,609 |
| Return on assets (ROA) | 0.9444% | 2,718 |
| Pretax return on assets | 1.5110% | 1,552 |
| Return on Equity (ROE) | 1.1171% | 5,553 |
| Retained earnings to average equity (ytd only) | 1.1171% | 4,856 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6790% | 476 |
| Assets per employee ($millions) | 1.2447% | 5,854 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.3905% | 5,890 |
| Equity capital to assets | 84.3867% | 23 |
| Core capital (leverage) ratio | 84.4999% | 21 |
| Tier 1 risk-based capital ratio | 286.7152% | 17 |
| Total risk-based capital ratio | 286.7152% | 17 |
| Memoranda: | ||
| Average total assets | $3,706,200 | 5,921 |
| Average earning assets | $2,624,400 | 5,911 |
| Average equity | $3,133,000 | 5,742 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3505% | 5,940 |
| Cost of funding earning assets | 0.4156% | 2,881 |
| Net interest margin | 0.9349% | 5,953 |
| Noninterest income to average assets | 17.1202% | 45 |
| Noninterest expense to average assets | 16.2911% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.9010% | 2,901 |
| Return on assets (ROA) | 0.9010% | 3,043 |
| Pretax return on assets | 1.4776% | 1,779 |
| Return on Equity (ROE) | 1.0654% | 5,638 |
| Retained earnings to average equity (ytd only) | 1.0654% | 5,067 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6836% | 483 |
| Assets per employee ($millions) | 1.2410% | 5,925 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.4300% | 5,958 |
| Equity capital to assets | 84.3674% | 22 |
| Core capital (leverage) ratio | 85.1220% | 21 |
| Tier 1 risk-based capital ratio | 265.9610% | 19 |
| Total risk-based capital ratio | 265.9610% | 19 |
| Memoranda: | ||
| Average total assets | $3,699,250 | 5,988 |
| Average earning assets | $2,567,250 | 5,978 |
| Average equity | $3,128,500 | 5,807 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3473% | 6,022 |
| Cost of funding earning assets | 0.3743% | 3,309 |
| Net interest margin | 0.9731% | 6,030 |
| Noninterest income to average assets | 16.5252% | 45 |
| Noninterest expense to average assets | 15.7667% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9211% | 2,763 |
| Return on assets (ROA) | 0.9211% | 2,898 |
| Pretax return on assets | 1.4629% | 1,799 |
| Return on Equity (ROE) | 1.0882% | 5,675 |
| Retained earnings to average equity (ytd only) | 1.0882% | 4,948 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5094% | 519 |
| Assets per employee ($millions) | 1.2250% | 6,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 13.6054% | 6,036 |
| Equity capital to assets | 85.2517% | 20 |
| Core capital (leverage) ratio | 84.8821% | 21 |
| Tier 1 risk-based capital ratio | 287.9596% | 17 |
| Total risk-based capital ratio | 287.9596% | 17 |
| Memoranda: | ||
| Average total assets | $3,691,330 | 6,066 |
| Average earning assets | $2,672,000 | 6,055 |
| Average equity | $3,124,330 | 5,878 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1719% | 6,095 |
| Cost of funding earning assets | 0.4395% | 2,687 |
| Net interest margin | 0.7325% | 6,102 |
| Noninterest income to average assets | 17.7321% | 40 |
| Noninterest expense to average assets | 16.8671% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8650% | 2,918 |
| Return on assets (ROA) | 0.8650% | 3,035 |
| Pretax return on assets | 1.4056% | 1,892 |
| Return on Equity (ROE) | 1.0256% | 5,687 |
| Retained earnings to average equity (ytd only) | 1.0256% | 4,825 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3077% | 530 |
| Assets per employee ($millions) | 1.2350% | 6,065 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 13.4953% | 6,100 |
| Equity capital to assets | 84.3185% | 26 |
| Core capital (leverage) ratio | 84.2730% | 22 |
| Tier 1 risk-based capital ratio | 279.9283% | 18 |
| Total risk-based capital ratio | 279.9283% | 18 |
| Memoranda: | ||
| Average total assets | $3,699,500 | 6,130 |
| Average earning assets | $2,730,500 | 6,119 |
| Average equity | $3,120,000 | 5,933 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4625% | 6,126 |
| Cost of funding earning assets | 0.3000% | 4,248 |
| Net interest margin | 1.1625% | 6,131 |
| Noninterest income to average assets | 16.9780% | 48 |
| Noninterest expense to average assets | 16.1682% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0257% | 2,233 |
| Return on assets (ROA) | 1.0257% | 2,312 |
| Pretax return on assets | 1.6465% | 1,122 |
| Return on Equity (ROE) | 1.2268% | 5,734 |
| Retained earnings to average equity (ytd only) | 1.2268% | 5,018 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7576% | 646 |
| Assets per employee ($millions) | 1.2313% | 6,126 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.5355% | 6,159 |
| Equity capital to assets | 84.3530% | 22 |
| Core capital (leverage) ratio | 84.1707% | 19 |
| Tier 1 risk-based capital ratio | 321.9008% | 16 |
| Total risk-based capital ratio | 321.9008% | 16 |
| Memoranda: | ||
| Average total assets | $3,704,800 | 6,190 |
| Average earning assets | $2,666,600 | 6,179 |
| Average equity | $3,097,600 | 5,991 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5056% | 6,218 |
| Cost of funding earning assets | 0.3011% | 4,330 |
| Net interest margin | 1.2045% | 6,226 |
| Noninterest income to average assets | 19.0600% | 46 |
| Noninterest expense to average assets | 18.1610% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0789% | 2,101 |
| Return on assets (ROA) | 1.0789% | 2,184 |
| Pretax return on assets | 1.7621% | 971 |
| Return on Equity (ROE) | 1.2932% | 5,815 |
| Retained earnings to average equity (ytd only) | 1.2932% | 5,201 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1552% | 619 |
| Assets per employee ($millions) | 1.2427% | 6,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 13.4120% | 6,245 |
| Equity capital to assets | 83.3691% | 22 |
| Core capital (leverage) ratio | 84.2276% | 21 |
| Tier 1 risk-based capital ratio | 299.1338% | 19 |
| Total risk-based capital ratio | 299.1338% | 19 |
| Memoranda: | ||
| Average total assets | $3,707,500 | 6,278 |
| Average earning assets | $2,656,750 | 6,267 |
| Average equity | $3,093,000 | 6,075 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4688% | 6,298 |
| Cost of funding earning assets | 0.2938% | 4,459 |
| Net interest margin | 1.1750% | 6,302 |
| Noninterest income to average assets | 18.9155% | 47 |
| Noninterest expense to average assets | 17.9967% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1349% | 1,824 |
| Return on assets (ROA) | 1.1349% | 1,907 |
| Pretax return on assets | 1.7835% | 921 |
| Return on Equity (ROE) | 1.3601% | 5,823 |
| Retained earnings to average equity (ytd only) | 1.3601% | 5,005 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9836% | 688 |
| Assets per employee ($millions) | 1.2263% | 6,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 13.5906% | 6,321 |
| Equity capital to assets | 84.2348% | 22 |
| Core capital (leverage) ratio | 83.9382% | 22 |
| Tier 1 risk-based capital ratio | 314.3002% | 17 |
| Total risk-based capital ratio | 314.3002% | 17 |
| Memoranda: | ||
| Average total assets | $3,700,670 | 6,356 |
| Average earning assets | $2,723,330 | 6,343 |
| Average equity | $3,088,000 | 6,136 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1934% | 6,385 |
| Cost of funding earning assets | 0.2983% | 4,459 |
| Net interest margin | 0.8950% | 6,389 |
| Noninterest income to average assets | 17.8903% | 48 |
| Noninterest expense to average assets | 17.0282% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9700% | 2,392 |
| Return on assets (ROA) | 0.9700% | 2,528 |
| Pretax return on assets | 1.5088% | 1,541 |
| Return on Equity (ROE) | 1.1679% | 5,880 |
| Retained earnings to average equity (ytd only) | 1.1679% | 5,019 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8605% | 725 |
| Assets per employee ($millions) | 1.2427% | 6,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 13.4120% | 6,392 |
| Equity capital to assets | 82.8058% | 27 |
| Core capital (leverage) ratio | 82.3420% | 25 |
| Tier 1 risk-based capital ratio | 321.5625% | 16 |
| Total risk-based capital ratio | 321.5625% | 16 |
| Memoranda: | ||
| Average total assets | $3,711,500 | 6,426 |
| Average earning assets | $2,681,500 | 6,414 |
| Average equity | $3,082,500 | 6,198 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7563% | 6,436 |
| Cost of funding earning assets | 0.3193% | 4,586 |
| Net interest margin | 1.4370% | 6,438 |
| Noninterest income to average assets | 20.6857% | 40 |
| Noninterest expense to average assets | 19.6967% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.2087% | 1,558 |
| Return on assets (ROA) | 1.2087% | 1,614 |
| Pretax return on assets | 1.9779% | 535 |
| Return on Equity (ROE) | 1.4403% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.4403% | 5,118 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8745% | 794 |
| Assets per employee ($millions) | 1.2317% | 6,443 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.5318% | 6,482 |
| Equity capital to assets | 83.3018% | 24 |
| Core capital (leverage) ratio | 84.6768% | 17 |
| Tier 1 risk-based capital ratio | 381.8859% | 11 |
| Total risk-based capital ratio | 381.8859% | 11 |
| Memoranda: | ||
| Average total assets | $3,640,200 | 6,517 |
| Average earning assets | $2,505,200 | 6,506 |
| Average equity | $3,055,000 | 6,262 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7118% | 6,520 |
| Cost of funding earning assets | 0.3209% | 4,662 |
| Net interest margin | 1.3908% | 6,526 |
| Noninterest income to average assets | 19.3388% | 41 |
| Noninterest expense to average assets | 18.4194% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1397% | 1,902 |
| Return on assets (ROA) | 1.1397% | 1,962 |
| Pretax return on assets | 1.8751% | 754 |
| Return on Equity (ROE) | 1.3554% | 5,977 |
| Retained earnings to average equity (ytd only) | 1.3554% | 5,354 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7609% | 793 |
| Assets per employee ($millions) | 1.2053% | 6,524 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.8274% | 6,562 |
| Equity capital to assets | 84.7622% | 18 |
| Core capital (leverage) ratio | 84.7856% | 16 |
| Tier 1 risk-based capital ratio | 403.2895% | 10 |
| Total risk-based capital ratio | 403.2895% | 10 |
| Memoranda: | ||
| Average total assets | $3,626,500 | 6,598 |
| Average earning assets | $2,492,750 | 6,586 |
| Average equity | $3,049,250 | 6,331 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7799% | 6,586 |
| Cost of funding earning assets | 0.3236% | 4,717 |
| Net interest margin | 1.4563% | 6,587 |
| Noninterest income to average assets | 18.4022% | 41 |
| Noninterest expense to average assets | 17.5207% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.1570% | 1,730 |
| Return on assets (ROA) | 1.1570% | 1,807 |
| Pretax return on assets | 1.8733% | 723 |
| Return on Equity (ROE) | 1.3798% | 5,974 |
| Retained earnings to average equity (ytd only) | 1.3798% | 5,192 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3409% | 890 |
| Assets per employee ($millions) | 1.1973% | 6,597 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.9198% | 6,628 |
| Equity capital to assets | 85.0501% | 17 |
| Core capital (leverage) ratio | 84.8611% | 15 |
| Tier 1 risk-based capital ratio | 420.7989% | 10 |
| Total risk-based capital ratio | 420.7989% | 10 |
| Memoranda: | ||
| Average total assets | $3,630,000 | 6,665 |
| Average earning assets | $2,472,000 | 6,653 |
| Average equity | $3,044,000 | 6,385 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4812% | 6,678 |
| Cost of funding earning assets | 0.3292% | 4,743 |
| Net interest margin | 1.1520% | 6,687 |
| Noninterest income to average assets | 18.0871% | 41 |
| Noninterest expense to average assets | 17.2102% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9866% | 2,262 |
| Return on assets (ROA) | 0.9866% | 2,319 |
| Pretax return on assets | 1.6443% | 1,084 |
| Return on Equity (ROE) | 1.1848% | 5,992 |
| Retained earnings to average equity (ytd only) | 1.1848% | 5,129 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2791% | 924 |
| Assets per employee ($millions) | 1.2040% | 6,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 13.8427% | 6,698 |
| Equity capital to assets | 84.2470% | 27 |
| Core capital (leverage) ratio | 83.1875% | 23 |
| Tier 1 risk-based capital ratio | 391.1311% | 15 |
| Total risk-based capital ratio | 391.1311% | 15 |
| Memoranda: | ||
| Average total assets | $3,649,000 | 6,738 |
| Average earning assets | $2,430,500 | 6,726 |
| Average equity | $3,038,500 | 6,441 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4190% | 6,753 |
| Cost of funding earning assets | 0.3115% | 5,507 |
| Net interest margin | 1.1075% | 6,756 |
| Noninterest income to average assets | 19.0899% | 39 |
| Noninterest expense to average assets | 18.1808% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1019% | 1,929 |
| Return on assets (ROA) | 1.1019% | 1,993 |
| Pretax return on assets | 1.7905% | 772 |
| Return on Equity (ROE) | 1.3270% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.3270% | 5,227 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0345% | 949 |
| Assets per employee ($millions) | 1.2287% | 6,743 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.5648% | 6,783 |
| Equity capital to assets | 82.3114% | 24 |
| Core capital (leverage) ratio | 82.2668% | 19 |
| Tier 1 risk-based capital ratio | 415.0479% | 14 |
| Total risk-based capital ratio | 415.0479% | 14 |
| Memoranda: | ||
| Average total assets | $3,630,200 | 6,820 |
| Average earning assets | $2,889,400 | 6,808 |
| Average equity | $3,014,400 | 6,528 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3617% | 6,839 |
| Cost of funding earning assets | 0.3074% | 5,670 |
| Net interest margin | 1.0543% | 6,843 |
| Noninterest income to average assets | 21.2369% | 36 |
| Noninterest expense to average assets | 20.2414% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.1429% | 1,844 |
| Return on assets (ROA) | 1.1429% | 1,913 |
| Pretax return on assets | 1.8804% | 741 |
| Return on Equity (ROE) | 1.3733% | 6,103 |
| Retained earnings to average equity (ytd only) | 1.3733% | 5,434 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.5000% | 886 |
| Assets per employee ($millions) | 1.2273% | 6,821 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.5796% | 6,861 |
| Equity capital to assets | 82.1564% | 22 |
| Core capital (leverage) ratio | 82.9676% | 18 |
| Tier 1 risk-based capital ratio | 408.7838% | 12 |
| Total risk-based capital ratio | 408.7838% | 12 |
| Memoranda: | ||
| Average total assets | $3,616,250 | 6,899 |
| Average earning assets | $3,035,250 | 6,887 |
| Average equity | $3,009,500 | 6,599 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3421% | 6,890 |
| Cost of funding earning assets | 0.3050% | 5,793 |
| Net interest margin | 1.0371% | 6,894 |
| Noninterest income to average assets | 21.4226% | 36 |
| Noninterest expense to average assets | 20.4211% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.1685% | 1,675 |
| Return on assets (ROA) | 1.1685% | 1,786 |
| Pretax return on assets | 1.9475% | 675 |
| Return on Equity (ROE) | 1.3980% | 6,121 |
| Retained earnings to average equity (ytd only) | 1.3980% | 5,323 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2935% | 956 |
| Assets per employee ($millions) | 1.2057% | 6,870 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.8236% | 6,911 |
| Equity capital to assets | 83.3564% | 22 |
| Core capital (leverage) ratio | 84.4065% | 16 |
| Tier 1 risk-based capital ratio | 200.1992% | 27 |
| Total risk-based capital ratio | 200.1992% | 27 |
| Memoranda: | ||
| Average total assets | $3,594,330 | 6,948 |
| Average earning assets | $3,278,330 | 6,936 |
| Average equity | $3,004,330 | 6,649 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0996% | 6,983 |
| Cost of funding earning assets | 0.2443% | 6,324 |
| Net interest margin | 0.8552% | 6,982 |
| Noninterest income to average assets | 20.5414% | 39 |
| Noninterest expense to average assets | 19.5367% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.1164% | 1,795 |
| Return on assets (ROA) | 1.1164% | 1,904 |
| Pretax return on assets | 1.7862% | 905 |
| Return on Equity (ROE) | 1.3338% | 6,138 |
| Retained earnings to average equity (ytd only) | 1.3338% | 5,317 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6230% | 1,013 |
| Assets per employee ($millions) | 1.1887% | 6,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 14.0213% | 6,985 |
| Equity capital to assets | 84.2400% | 21 |
| Core capital (leverage) ratio | 83.6070% | 16 |
| Tier 1 risk-based capital ratio | 197.2423% | 30 |
| Total risk-based capital ratio | 197.2423% | 30 |
| Memoranda: | ||
| Average total assets | $3,583,000 | 7,026 |
| Average earning assets | $3,274,000 | 7,014 |
| Average equity | $2,999,000 | 6,723 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4786% | 7,028 |
| Cost of funding earning assets | 0.3388% | 6,276 |
| Net interest margin | 1.1397% | 7,026 |
| Noninterest income to average assets | 19.0207% | 42 |
| Noninterest expense to average assets | 18.1149% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 1.1605% | 1,732 |
| Return on assets (ROA) | 1.1605% | 1,890 |
| Pretax return on assets | 1.9530% | 669 |
| Return on Equity (ROE) | 1.3792% | 6,047 |
| Retained earnings to average equity (ytd only) | 1.3792% | 5,190 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2680% | 1,043 |
| Assets per employee ($millions) | 1.2000% | 7,012 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 13.8889% | 7,049 |
| Equity capital to assets | 83.1667% | 24 |
| Core capital (leverage) ratio | 83.9126% | 15 |
| Tier 1 risk-based capital ratio | 178.6396% | 35 |
| Total risk-based capital ratio | 178.6396% | 35 |
| Memoranda: | ||
| Average total assets | $3,533,000 | 7,092 |
| Average earning assets | $3,246,400 | 7,079 |
| Average equity | $2,972,800 | 6,788 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4809% | 7,137 |
| Cost of funding earning assets | 0.3292% | 6,471 |
| Net interest margin | 1.1517% | 7,132 |
| Noninterest income to average assets | 18.7316% | 43 |
| Noninterest expense to average assets | 17.8594% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.1376% | 1,959 |
| Return on assets (ROA) | 1.1376% | 2,150 |
| Pretax return on assets | 1.9339% | 808 |
| Return on Equity (ROE) | 1.3479% | 6,184 |
| Retained earnings to average equity (ytd only) | 1.3479% | 5,635 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2299% | 1,022 |
| Assets per employee ($millions) | 1.1830% | 7,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 14.0885% | 7,152 |
| Equity capital to assets | 84.0518% | 17 |
| Core capital (leverage) ratio | 84.1467% | 16 |
| Tier 1 risk-based capital ratio | 198.3378% | 35 |
| Total risk-based capital ratio | 198.3378% | 35 |
| Memoranda: | ||
| Average total assets | $3,516,250 | 7,189 |
| Average earning assets | $3,241,250 | 7,176 |
| Average equity | $2,967,500 | 6,879 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5456% | 7,202 |
| Cost of funding earning assets | 0.3091% | 6,697 |
| Net interest margin | 1.2365% | 7,195 |
| Noninterest income to average assets | 18.6002% | 43 |
| Noninterest expense to average assets | 17.7444% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0841% | 2,112 |
| Return on assets (ROA) | 1.0841% | 2,328 |
| Pretax return on assets | 1.9970% | 700 |
| Return on Equity (ROE) | 1.2828% | 6,242 |
| Retained earnings to average equity (ytd only) | 1.2828% | 5,553 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8844% | 1,079 |
| Assets per employee ($millions) | 1.1733% | 7,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 14.2045% | 7,218 |
| Equity capital to assets | 84.4318% | 16 |
| Core capital (leverage) ratio | 84.4318% | 12 |
| Tier 1 risk-based capital ratio | 203.4223% | 27 |
| Total risk-based capital ratio | 203.4223% | 27 |
| Memoranda: | ||
| Average total assets | $3,505,330 | 7,253 |
| Average earning assets | $3,235,000 | 7,239 |
| Average equity | $2,962,330 | 6,920 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4858% | 7,268 |
| Cost of funding earning assets | 0.2476% | 7,013 |
| Net interest margin | 1.2382% | 7,260 |
| Noninterest income to average assets | 17.8388% | 42 |
| Noninterest expense to average assets | 17.0383% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.0292% | 2,362 |
| Return on assets (ROA) | 1.0292% | 2,550 |
| Pretax return on assets | 1.9440% | 814 |
| Return on Equity (ROE) | 1.2172% | 6,305 |
| Retained earnings to average equity (ytd only) | 1.2172% | 5,605 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7590% | 1,116 |
| Assets per employee ($millions) | 1.1683% | 7,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 14.2653% | 7,283 |
| Equity capital to assets | 84.5078% | 17 |
| Core capital (leverage) ratio | 84.3154% | 13 |
| Tier 1 risk-based capital ratio | 200.6775% | 23 |
| Total risk-based capital ratio | 200.6775% | 23 |
| Memoranda: | ||
| Average total assets | $3,498,000 | 7,316 |
| Average earning assets | $3,230,500 | 7,303 |
| Average equity | $2,957,500 | 6,971 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9095% | 7,295 |
| Cost of funding earning assets | 0.2817% | 7,135 |
| Net interest margin | 1.6277% | 7,278 |
| Noninterest income to average assets | 16.9531% | 37 |
| Noninterest expense to average assets | 16.1458% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.4704% | 882 |
| Return on assets (ROA) | 1.4704% | 961 |
| Pretax return on assets | 2.3065% | 293 |
| Return on Equity (ROE) | 1.7424% | 5,755 |
| Retained earnings to average equity (ytd only) | 1.7424% | 4,976 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5000% | 1,400 |
| Assets per employee ($millions) | 1.1637% | 7,286 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 14.3225% | 7,327 |
| Equity capital to assets | 84.5889% | 14 |
| Core capital (leverage) ratio | 84.7832% | 12 |
| Tier 1 risk-based capital ratio | 170.7924% | 30 |
| Total risk-based capital ratio | 170.7924% | 30 |
| Memoranda: | ||
| Average total assets | $3,468,400 | 7,365 |
| Average earning assets | $3,194,600 | 7,352 |
| Average equity | $2,927,000 | 7,025 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9242% | 7,372 |
| Cost of funding earning assets | 0.2510% | 7,276 |
| Net interest margin | 1.6732% | 7,351 |
| Noninterest income to average assets | 17.0188% | 38 |
| Noninterest expense to average assets | 16.2102% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.3862% | 1,188 |
| Return on assets (ROA) | 1.3862% | 1,264 |
| Pretax return on assets | 2.3487% | 335 |
| Return on Equity (ROE) | 1.6436% | 5,887 |
| Retained earnings to average equity (ytd only) | 1.6436% | 5,315 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3444% | 1,406 |
| Assets per employee ($millions) | 1.1593% | 7,366 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 14.3761% | 7,403 |
| Equity capital to assets | 84.4738% | 18 |
| Core capital (leverage) ratio | 84.4253% | 16 |
| Tier 1 risk-based capital ratio | 167.3121% | 38 |
| Total risk-based capital ratio | 167.3121% | 38 |
| Memoranda: | ||
| Average total assets | $3,462,750 | 7,444 |
| Average earning assets | $3,187,250 | 7,431 |
| Average equity | $2,920,500 | 7,092 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0141% | 7,446 |
| Cost of funding earning assets | 0.2518% | 7,358 |
| Net interest margin | 1.7623% | 7,413 |
| Noninterest income to average assets | 16.4851% | 43 |
| Noninterest expense to average assets | 15.7331% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.5039% | 882 |
| Return on assets (ROA) | 1.5039% | 942 |
| Pretax return on assets | 2.3715% | 301 |
| Return on Equity (ROE) | 1.7841% | 5,868 |
| Retained earnings to average equity (ytd only) | 1.7841% | 5,101 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.9010% | 1,521 |
| Assets per employee ($millions) | 1.1570% | 7,442 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 14.4051% | 7,477 |
| Equity capital to assets | 84.3561% | 19 |
| Core capital (leverage) ratio | 84.4534% | 18 |
| Tier 1 risk-based capital ratio | 205.1857% | 28 |
| Total risk-based capital ratio | 205.1857% | 28 |
| Memoranda: | ||
| Average total assets | $3,457,670 | 7,520 |
| Average earning assets | $3,177,670 | 7,507 |
| Average equity | $2,914,670 | 7,150 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8918% | 7,511 |
| Cost of funding earning assets | 0.2522% | 7,432 |
| Net interest margin | 1.6396% | 7,485 |
| Noninterest income to average assets | 15.9954% | 45 |
| Noninterest expense to average assets | 15.2999% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.3909% | 1,078 |
| Return on assets (ROA) | 1.3909% | 1,122 |
| Pretax return on assets | 2.2023% | 403 |
| Return on Equity (ROE) | 1.6506% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.6506% | 5,127 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4172% | 1,583 |
| Assets per employee ($millions) | 1.1550% | 7,500 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 14.4300% | 7,541 |
| Equity capital to assets | 84.0981% | 19 |
| Core capital (leverage) ratio | 84.2440% | 17 |
| Tier 1 risk-based capital ratio | 183.1552% | 34 |
| Total risk-based capital ratio | 183.1552% | 34 |
| Memoranda: | ||
| Average total assets | $3,451,000 | 7,581 |
| Average earning assets | $3,171,500 | 7,567 |
| Average equity | $2,908,000 | 7,194 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2687% | 7,550 |
| Cost of funding earning assets | 0.3195% | 7,490 |
| Net interest margin | 1.9491% | 7,470 |
| Noninterest income to average assets | 16.5330% | 44 |
| Noninterest expense to average assets | 15.7722% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.5216% | 728 |
| Return on assets (ROA) | 1.5216% | 793 |
| Pretax return on assets | 2.5458% | 174 |
| Return on Equity (ROE) | 1.8076% | 5,469 |
| Retained earnings to average equity (ytd only) | 1.8076% | 4,603 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1022% | 1,686 |
| Assets per employee ($millions) | 1.1457% | 7,582 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 14.5476% | 7,618 |
| Equity capital to assets | 84.4341% | 22 |
| Core capital (leverage) ratio | 84.3605% | 20 |
| Tier 1 risk-based capital ratio | 208.0287% | 34 |
| Total risk-based capital ratio | 208.0287% | 34 |
| Memoranda: | ||
| Average total assets | $3,417,400 | 7,665 |
| Average earning assets | $3,129,600 | 7,651 |
| Average equity | $2,876,800 | 7,308 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2629% | 7,679 |
| Cost of funding earning assets | 0.3417% | 7,612 |
| Net interest margin | 1.9215% | 7,598 |
| Noninterest income to average assets | 17.0350% | 42 |
| Noninterest expense to average assets | 16.2145% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.5628% | 798 |
| Return on assets (ROA) | 1.5628% | 874 |
| Pretax return on assets | 2.5788% | 203 |
| Return on Equity (ROE) | 1.8579% | 5,660 |
| Retained earnings to average equity (ytd only) | 1.8579% | 5,032 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2786% | 1,601 |
| Assets per employee ($millions) | 1.1470% | 7,683 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 14.5307% | 7,723 |
| Equity capital to assets | 83.9872% | 20 |
| Core capital (leverage) ratio | 84.2811% | 18 |
| Tier 1 risk-based capital ratio | 203.8082% | 38 |
| Total risk-based capital ratio | 203.8082% | 38 |
| Memoranda: | ||
| Average total assets | $3,412,500 | 7,768 |
| Average earning assets | $3,122,500 | 7,754 |
| Average equity | $2,870,500 | 7,407 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4419% | 7,752 |
| Cost of funding earning assets | 0.3213% | 7,706 |
| Net interest margin | 2.1206% | 7,609 |
| Noninterest income to average assets | 16.2798% | 42 |
| Noninterest expense to average assets | 15.5157% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.6456% | 656 |
| Return on assets (ROA) | 1.6456% | 700 |
| Pretax return on assets | 2.7035% | 174 |
| Return on Equity (ROE) | 1.9553% | 5,647 |
| Retained earnings to average equity (ytd only) | 1.9553% | 4,887 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1613% | 1,805 |
| Assets per employee ($millions) | 1.1383% | 7,759 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 14.6413% | 7,789 |
| Equity capital to assets | 84.2753% | 23 |
| Core capital (leverage) ratio | 84.4731% | 20 |
| Tier 1 risk-based capital ratio | 210.6881% | 35 |
| Total risk-based capital ratio | 210.6881% | 35 |
| Memoranda: | ||
| Average total assets | $3,403,000 | 7,836 |
| Average earning assets | $3,112,330 | 7,823 |
| Average equity | $2,864,000 | 7,457 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4485% | 7,856 |
| Cost of funding earning assets | 0.2577% | 7,836 |
| Net interest margin | 2.1907% | 7,653 |
| Noninterest income to average assets | 15.7786% | 45 |
| Noninterest expense to average assets | 15.0721% | 50 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.6485% | 684 |
| Return on assets (ROA) | 1.6485% | 732 |
| Pretax return on assets | 2.7083% | 184 |
| Return on Equity (ROE) | 1.9601% | 5,779 |
| Retained earnings to average equity (ytd only) | 1.9601% | 4,957 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7682% | 1,937 |
| Assets per employee ($millions) | 1.1367% | 7,862 |
| 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 | NA | NA |
| Total domestic deposits to total assets | 14.6628% | 7,891 |
| Equity capital to assets | 83.9883% | 22 |
| Core capital (leverage) ratio | 83.9883% | 20 |
| Tier 1 risk-based capital ratio | 210.1247% | 31 |
| Total risk-based capital ratio | 210.1247% | 31 |
| Memoranda: | ||
| Average total assets | $3,397,000 | 7,939 |
| Average earning assets | $3,104,000 | 7,927 |
| Average equity | $2,857,000 | 7,538 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9518% | 7,886 |
| Cost of funding earning assets | 0.4920% | 7,840 |
| Net interest margin | 2.4598% | 7,467 |
| Noninterest income to average assets | 18.0580% | 44 |
| Noninterest expense to average assets | 17.1995% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.8946% | 291 |
| Return on assets (ROA) | 1.8946% | 301 |
| Pretax return on assets | 3.0787% | 91 |
| Return on Equity (ROE) | 2.2708% | 4,803 |
| Retained earnings to average equity (ytd only) | 2.2708% | 3,526 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8175% | 2,256 |
| Assets per employee ($millions) | 0.8460% | 7,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 14.7754% | 7,967 |
| Equity capital to assets | 84.2199% | 22 |
| Core capital (leverage) ratio | 85.4829% | 17 |
| Tier 1 risk-based capital ratio | 203.4261% | 34 |
| Total risk-based capital ratio | 203.4261% | 34 |
| Memoranda: | ||
| Average total assets | $3,378,000 | 8,018 |
| Average earning assets | $3,049,000 | 8,006 |
| Average equity | $2,818,400 | 7,639 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0273% | 7,980 |
| Cost of funding earning assets | 0.4827% | 7,953 |
| Net interest margin | 2.5446% | 7,415 |
| Noninterest income to average assets | 17.8878% | 45 |
| Noninterest expense to average assets | 17.0588% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.8955% | 363 |
| Return on assets (ROA) | 1.8955% | 391 |
| Pretax return on assets | 3.1195% | 99 |
| Return on Equity (ROE) | 2.2772% | 5,071 |
| Retained earnings to average equity (ytd only) | 2.2772% | 4,055 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5401% | 2,237 |
| Assets per employee ($millions) | 0.6786% | 8,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 14.7362% | 8,054 |
| Equity capital to assets | 83.5249% | 25 |
| Core capital (leverage) ratio | 83.4266% | 24 |
| Tier 1 risk-based capital ratio | 245.7936% | 26 |
| Total risk-based capital ratio | 245.7936% | 26 |
| Memoranda: | ||
| Average total assets | $3,376,500 | 8,104 |
| Average earning assets | $3,039,000 | 8,093 |
| Average equity | $2,810,500 | 7,717 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1715% | 8,061 |
| Cost of funding earning assets | 0.5286% | 8,032 |
| Net interest margin | 2.6429% | 7,308 |
| Noninterest income to average assets | 18.5108% | 46 |
| Noninterest expense to average assets | 17.6209% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.0172% | 284 |
| Return on assets (ROA) | 2.0172% | 309 |
| Pretax return on assets | 3.2631% | 84 |
| Return on Equity (ROE) | 2.4263% | 5,132 |
| Retained earnings to average equity (ytd only) | 2.4263% | 3,983 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3750% | 2,433 |
| Assets per employee ($millions) | 0.6752% | 8,149 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 14.8104% | 8,144 |
| Equity capital to assets | 83.5308% | 27 |
| Core capital (leverage) ratio | 83.6299% | 25 |
| Tier 1 risk-based capital ratio | 190.4119% | 38 |
| Total risk-based capital ratio | 190.4119% | 38 |
| Memoranda: | ||
| Average total assets | $3,371,000 | 8,200 |
| Average earning assets | $3,027,000 | 8,188 |
| Average equity | $2,802,670 | 7,786 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0484% | 8,136 |
| Cost of funding earning assets | 0.5302% | 8,085 |
| Net interest margin | 2.5182% | 7,477 |
| Noninterest income to average assets | 20.0683% | 44 |
| Noninterest expense to average assets | 19.1183% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.9000% | 432 |
| Return on assets (ROA) | 1.9000% | 481 |
| Pretax return on assets | 3.2062% | 105 |
| Return on Equity (ROE) | 2.2906% | 5,668 |
| Retained earnings to average equity (ytd only) | 2.2906% | 4,601 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6383% | 2,117 |
| Assets per employee ($millions) | 0.5577% | 8,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 14.9432% | 8,198 |
| Equity capital to assets | 83.7418% | 23 |
| Core capital (leverage) ratio | 82.9976% | 26 |
| Tier 1 risk-based capital ratio | 205.1245% | 37 |
| Total risk-based capital ratio | 205.1245% | 37 |
| Memoranda: | ||
| Average total assets | $3,368,500 | 8,252 |
| Average earning assets | $3,018,000 | 8,239 |
| Average equity | $2,794,000 | 7,836 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1083% | 8,091 |
| Cost of funding earning assets | 0.6398% | 8,168 |
| Net interest margin | 3.4685% | 5,410 |
| Noninterest income to average assets | 22.6170% | 45 |
| Noninterest expense to average assets | 21.5256% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 2.6073% | 105 |
| Return on assets (ROA) | 2.6073% | 107 |
| Pretax return on assets | 4.2142% | 57 |
| Return on Equity (ROE) | 3.1346% | 5,183 |
| Retained earnings to average equity (ytd only) | 3.1346% | 3,206 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6278% | 2,101 |
| Assets per employee ($millions) | 0.5652% | 8,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 14.7449% | 8,254 |
| Equity capital to assets | 82.1587% | 29 |
| Core capital (leverage) ratio | 83.6637% | 25 |
| Tier 1 risk-based capital ratio | 211.0606% | 37 |
| Total risk-based capital ratio | 211.0606% | 37 |
| Memoranda: | ||
| Average total assets | $3,298,400 | 8,310 |
| Average earning assets | $2,969,600 | 8,301 |
| Average equity | $2,743,600 | 7,915 |
| Average total loans | NA | NA |