Home > First American Trust, FSB > Performance and Condition Ratios
First American Trust, FSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9758% | 4,528 |
| Cost of funding earning assets | 1.0288% | 3,231 |
| Net interest margin | 1.9470% | 4,426 |
| Noninterest income to average assets | 0.3000% | 3,118 |
| Noninterest expense to average assets | 0.7581% | 4,520 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.3496% | 1,324 |
| Return on assets (ROA) | 0.7831% | 2,905 |
| Pretax return on assets | 0.8054% | 3,201 |
| Return on Equity (ROE) | 63.6000% | 33 |
| Retained earnings to average equity (ytd only) | 63.6026% | 12 |
| 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 | 35.3009% | 4,446 |
| Assets per employee ($millions) | 42.8771% | 34 |
| 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 | 97.1700% | 29 |
| Equity capital to assets | 2.5541% | 4,552 |
| Core capital (leverage) ratio | 9.5240% | 3,236 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.1510% | 188 |
| Memoranda: | ||
| Average total assets | $6,981,428,000 | 213 |
| Average earning assets | $6,613,643,200 | 204 |
| Average equity | $85,958,800 | 1,073 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1627% | 4,498 |
| Cost of funding earning assets | 1.1017% | 2,734 |
| Net interest margin | 2.0609% | 4,423 |
| Noninterest income to average assets | 0.3100% | 3,041 |
| Noninterest expense to average assets | 0.7944% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.0395% | 2,250 |
| Return on assets (ROA) | 0.9935% | 2,369 |
| Pretax return on assets | 1.4106% | 1,754 |
| Return on Equity (ROE) | 119.5200% | 15 |
| Retained earnings to average equity (ytd only) | 119.5163% | 11 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 35.1019% | 4,462 |
| Assets per employee ($millions) | 33.4223% | 42 |
| 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 | 99.5200% | 30 |
| Equity capital to assets | 0.0840% | 4,593 |
| Core capital (leverage) ratio | 8.9429% | 3,827 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5421% | 212 |
| Memoranda: | ||
| Average total assets | $6,700,843,000 | 219 |
| Average earning assets | $6,339,452,250 | 211 |
| Average equity | $55,704,250 | 1,462 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0365% | 4,542 |
| Cost of funding earning assets | 0.9934% | 2,626 |
| Net interest margin | 2.0431% | 4,483 |
| Noninterest income to average assets | 0.3000% | 3,097 |
| Noninterest expense to average assets | 0.7906% | 4,574 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.0263% | 2,332 |
| Return on assets (ROA) | 0.9589% | 2,544 |
| Pretax return on assets | 1.3614% | 1,913 |
| Return on Equity (ROE) | 90.7200% | 26 |
| Retained earnings to average equity (ytd only) | 90.7245% | 11 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 35.3369% | 4,488 |
| Assets per employee ($millions) | 37.8935% | 35 |
| 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 | 98.4900% | 31 |
| Equity capital to assets | 1.0842% | 4,623 |
| Core capital (leverage) ratio | 8.3351% | 4,242 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.8028% | 210 |
| Memoranda: | ||
| Average total assets | $6,862,273,333 | 211 |
| Average earning assets | $6,516,541,667 | 202 |
| Average equity | $72,531,667 | 1,209 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8185% | 4,603 |
| Cost of funding earning assets | 0.8632% | 2,497 |
| Net interest margin | 1.9553% | 4,573 |
| Noninterest income to average assets | 0.3000% | 3,072 |
| Noninterest expense to average assets | 0.7668% | 4,648 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.9949% | 2,545 |
| Return on assets (ROA) | 0.8587% | 2,941 |
| Pretax return on assets | 1.2192% | 2,378 |
| Return on Equity (ROE) | 82.3400% | 29 |
| Retained earnings to average equity (ytd only) | 82.3386% | 18 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 35.5265% | 4,547 |
| Assets per employee ($millions) | 37.8654% | 36 |
| 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 | 98.0300% | 18 |
| Equity capital to assets | 1.6411% | 4,645 |
| Core capital (leverage) ratio | 8.4540% | 4,176 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.8779% | 204 |
| Memoranda: | ||
| Average total assets | $6,788,259,000 | 218 |
| Average earning assets | $6,455,523,000 | 204 |
| Average equity | $70,795,500 | 1,235 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1464% | 4,586 |
| Cost of funding earning assets | 0.2531% | 3,294 |
| Net interest margin | 1.8933% | 4,585 |
| Noninterest income to average assets | 0.4100% | 2,635 |
| Noninterest expense to average assets | 0.7249% | 4,675 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 1.1323% | 2,043 |
| Return on assets (ROA) | 1.1339% | 1,982 |
| Pretax return on assets | 1.5087% | 1,424 |
| Return on Equity (ROE) | 48.1400% | 33 |
| Retained earnings to average equity (ytd only) | 35.7118% | 22 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 32.3977% | 4,637 |
| Assets per employee ($millions) | 37.7684% | 36 |
| Cash dividends to net income (ytd only)* | 25.8237% | 2,621 |
| 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 | 99.3100% | 18 |
| Equity capital to assets | 0.4263% | 4,683 |
| Core capital (leverage) ratio | 7.4283% | 4,588 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8102% | 266 |
| Memoranda: | ||
| Average total assets | $7,342,252,400 | 204 |
| Average earning assets | $7,057,028,400 | 193 |
| Average equity | $172,931,800 | 599 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8405% | 4,631 |
| Cost of funding earning assets | 0.1111% | 4,190 |
| Net interest margin | 1.7294% | 4,611 |
| Noninterest income to average assets | 0.4500% | 2,428 |
| Noninterest expense to average assets | 0.7261% | 4,712 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.9768% | 2,557 |
| Return on assets (ROA) | 0.9789% | 2,528 |
| Pretax return on assets | 1.3898% | 1,744 |
| Return on Equity (ROE) | 35.1500% | 64 |
| Retained earnings to average equity (ytd only) | 21.4396% | 73 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 34.2616% | 4,664 |
| Assets per employee ($millions) | 46.9178% | 33 |
| Cash dividends to net income (ytd only)* | 39.0101% | 1,625 |
| 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 | 99.5000% | 23 |
| Equity capital to assets | -0.7333% | 4,745 |
| Core capital (leverage) ratio | 7.2383% | 4,636 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8967% | 349 |
| Memoranda: | ||
| Average total assets | $7,506,562,500 | 198 |
| Average earning assets | $7,234,314,750 | 186 |
| Average equity | $209,040,750 | 508 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5827% | 4,701 |
| Cost of funding earning assets | 0.0512% | 4,592 |
| Net interest margin | 1.5314% | 4,682 |
| Noninterest income to average assets | 0.5006% | 2,201 |
| Noninterest expense to average assets | 0.7407% | 4,731 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.8761% | 2,682 |
| Return on assets (ROA) | 0.8794% | 2,646 |
| Pretax return on assets | 1.2485% | 1,904 |
| Return on Equity (ROE) | 21.9463% | 195 |
| Retained earnings to average equity (ytd only) | 7.4995% | 1,815 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1877% | 4,666 |
| Assets per employee ($millions) | 46.3813% | 31 |
| Cash dividends to net income (ytd only)* | 65.8277% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 98.0554% | 24 |
| Equity capital to assets | 1.7184% | 4,736 |
| Core capital (leverage) ratio | 7.0224% | 4,667 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.0885% | 318 |
| Memoranda: | ||
| Average total assets | $7,428,273,667 | 196 |
| Average earning assets | $7,200,187,000 | 189 |
| Average equity | $297,644,667 | 391 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3536% | 4,735 |
| Cost of funding earning assets | 0.0444% | 4,635 |
| Net interest margin | 1.3092% | 4,720 |
| Noninterest income to average assets | 0.5088% | 2,102 |
| Noninterest expense to average assets | 0.7799% | 4,753 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.7092% | 3,023 |
| Return on assets (ROA) | 0.7096% | 3,006 |
| Pretax return on assets | 1.0076% | 2,414 |
| Return on Equity (ROE) | 13.8660% | 861 |
| Retained earnings to average equity (ytd only) | 1.3628% | 3,732 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.4932% | 4,571 |
| Assets per employee ($millions) | 51.3670% | 31 |
| Cash dividends to net income (ytd only)* | 90.1713% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 96.1628% | 11 |
| Equity capital to assets | 3.6572% | 4,783 |
| Core capital (leverage) ratio | 6.9611% | 4,700 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.8713% | 335 |
| Memoranda: | ||
| Average total assets | $7,501,476,500 | 194 |
| Average earning assets | $7,323,590,500 | 187 |
| Average equity | $383,902,500 | 332 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1707% | 4,777 |
| Cost of funding earning assets | 0.0472% | 4,698 |
| Net interest margin | 1.1235% | 4,771 |
| Noninterest income to average assets | 0.6084% | 2,120 |
| Noninterest expense to average assets | 0.7373% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.7518% | 3,485 |
| Return on assets (ROA) | 0.7603% | 3,524 |
| Pretax return on assets | 0.9833% | 3,306 |
| Return on Equity (ROE) | 11.4021% | 2,017 |
| Retained earnings to average equity (ytd only) | 3.8495% | 3,278 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.9057% | 4,610 |
| Assets per employee ($millions) | 52.8617% | 35 |
| Cash dividends to net income (ytd only)* | 66.2387% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 93.2209% | 37 |
| Equity capital to assets | 6.6179% | 4,777 |
| Core capital (leverage) ratio | 6.3387% | 4,806 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 27.4177% | 294 |
| Memoranda: | ||
| Average total assets | $6,453,009,200 | 220 |
| Average earning assets | $6,325,592,000 | 206 |
| Average equity | $430,316,000 | 298 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1570% | 4,861 |
| Cost of funding earning assets | 0.0464% | 4,789 |
| Net interest margin | 1.1106% | 4,855 |
| Noninterest income to average assets | 0.6265% | 2,111 |
| Noninterest expense to average assets | 0.7360% | 4,880 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6872% | 3,798 |
| Return on assets (ROA) | 0.6970% | 3,841 |
| Pretax return on assets | 0.9895% | 3,494 |
| Return on Equity (ROE) | 10.4282% | 2,579 |
| Retained earnings to average equity (ytd only) | 2.4050% | 4,079 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7228% | 4,636 |
| Assets per employee ($millions) | 55.0574% | 32 |
| Cash dividends to net income (ytd only)* | 76.9373% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 91.2851% | 287 |
| Equity capital to assets | 6.4592% | 4,868 |
| Core capital (leverage) ratio | 6.9488% | 4,828 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4035% | 289 |
| Memoranda: | ||
| Average total assets | $6,216,103,500 | 225 |
| Average earning assets | $6,082,619,000 | 213 |
| Average equity | $415,452,500 | 305 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1682% | 4,895 |
| Cost of funding earning assets | 0.0463% | 4,840 |
| Net interest margin | 1.1219% | 4,888 |
| Noninterest income to average assets | 0.6844% | 1,870 |
| Noninterest expense to average assets | 0.7011% | 4,919 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.7586% | 3,617 |
| Return on assets (ROA) | 0.7727% | 3,647 |
| Pretax return on assets | 1.0971% | 3,224 |
| Return on Equity (ROE) | 11.3867% | 2,272 |
| Retained earnings to average equity (ytd only) | 3.0881% | 3,814 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.1178% | 4,772 |
| Assets per employee ($millions) | 48.1764% | 34 |
| Cash dividends to net income (ytd only)* | 72.8797% | 630 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 92.1476% | 100 |
| Equity capital to assets | 5.7226% | 4,929 |
| Core capital (leverage) ratio | 5.9643% | 4,932 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.3545% | 363 |
| Memoranda: | ||
| Average total assets | $5,682,087,333 | 245 |
| Average earning assets | $5,550,226,000 | 223 |
| Average equity | $385,607,000 | 324 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1218% | 4,936 |
| Cost of funding earning assets | 0.0443% | 4,880 |
| Net interest margin | 1.0774% | 4,924 |
| Noninterest income to average assets | 0.7537% | 1,695 |
| Noninterest expense to average assets | 0.7227% | 4,950 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.7632% | 3,538 |
| Return on assets (ROA) | 0.7632% | 3,606 |
| Pretax return on assets | 1.0836% | 3,152 |
| Return on Equity (ROE) | 10.1883% | 2,632 |
| Retained earnings to average equity (ytd only) | 0.8145% | 4,251 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 39.7132% | 4,750 |
| Assets per employee ($millions) | 43.4866% | 33 |
| Cash dividends to net income (ytd only)* | 92.0057% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 91.1772% | 337 |
| Equity capital to assets | 6.1723% | 4,929 |
| Core capital (leverage) ratio | 7.1686% | 4,863 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3623% | 285 |
| Memoranda: | ||
| Average total assets | $5,126,691,500 | 261 |
| Average earning assets | $5,008,586,500 | 248 |
| Average equity | $384,047,000 | 324 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4215% | 4,951 |
| Cost of funding earning assets | 0.1001% | 4,861 |
| Net interest margin | 1.3213% | 4,931 |
| Noninterest income to average assets | 0.8316% | 1,447 |
| Noninterest expense to average assets | 0.7479% | 4,959 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 1.0274% | 2,185 |
| Return on assets (ROA) | 1.0371% | 2,293 |
| Pretax return on assets | 1.3801% | 1,721 |
| Return on Equity (ROE) | 11.2793% | 1,534 |
| Retained earnings to average equity (ytd only) | 2.2854% | 3,708 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.2115% | 4,938 |
| Assets per employee ($millions) | 33.2022% | 40 |
| Cash dividends to net income (ytd only)* | 79.7386% | 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% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 89.8342% | 626 |
| Equity capital to assets | 9.2577% | 3,837 |
| Core capital (leverage) ratio | 7.5254% | 4,830 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.2007% | 202 |
| Memoranda: | ||
| Average total assets | $4,220,271,800 | 278 |
| Average earning assets | $4,101,425,000 | 264 |
| Average equity | $388,036,800 | 302 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4734% | 4,996 |
| Cost of funding earning assets | 0.1131% | 4,896 |
| Net interest margin | 1.3603% | 4,978 |
| Noninterest income to average assets | 0.8110% | 1,452 |
| Noninterest expense to average assets | 0.7422% | 4,998 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.9783% | 2,417 |
| Return on assets (ROA) | 0.9817% | 2,541 |
| Pretax return on assets | 1.3938% | 1,761 |
| Return on Equity (ROE) | 10.6963% | 1,784 |
| Retained earnings to average equity (ytd only) | 1.4858% | 4,088 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6772% | 4,965 |
| Assets per employee ($millions) | 35.5708% | 37 |
| Cash dividends to net income (ytd only)* | 86.1089% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 90.2182% | 356 |
| Equity capital to assets | 8.9106% | 4,176 |
| Core capital (leverage) ratio | 8.4134% | 4,371 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.5957% | 209 |
| Memoranda: | ||
| Average total assets | $4,179,668,000 | 276 |
| Average earning assets | $4,057,503,750 | 261 |
| Average equity | $383,611,750 | 303 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5427% | 5,037 |
| Cost of funding earning assets | 0.1349% | 4,916 |
| Net interest margin | 1.4078% | 5,018 |
| Noninterest income to average assets | 0.7926% | 1,455 |
| Noninterest expense to average assets | 0.8083% | 5,030 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.9511% | 2,489 |
| Return on assets (ROA) | 0.9538% | 2,609 |
| Pretax return on assets | 1.3541% | 1,851 |
| Return on Equity (ROE) | 10.2823% | 1,892 |
| Retained earnings to average equity (ytd only) | -0.2897% | 4,358 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2925% | 4,964 |
| Assets per employee ($millions) | 37.1092% | 35 |
| Cash dividends to net income (ytd only)* | 102.8172% | 461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 89.1545% | 686 |
| Equity capital to assets | 8.9327% | 4,146 |
| Core capital (leverage) ratio | 8.9120% | 3,998 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5587% | 167 |
| Memoranda: | ||
| Average total assets | $4,078,917,333 | 278 |
| Average earning assets | $3,959,108,000 | 263 |
| Average equity | $378,360,333 | 303 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8118% | 5,088 |
| Cost of funding earning assets | 0.1773% | 4,933 |
| Net interest margin | 1.6345% | 5,067 |
| Noninterest income to average assets | 0.8002% | 1,315 |
| Noninterest expense to average assets | 0.8208% | 5,074 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.1008% | 1,838 |
| Return on assets (ROA) | 1.1015% | 1,937 |
| Pretax return on assets | 1.5638% | 1,145 |
| Return on Equity (ROE) | 11.6314% | 1,217 |
| Retained earnings to average equity (ytd only) | -1.3308% | 4,180 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2945% | 5,042 |
| Assets per employee ($millions) | 34.6719% | 34 |
| Cash dividends to net income (ytd only)* | 111.4413% | 666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 89.9918% | 324 |
| Equity capital to assets | 9.3274% | 4,370 |
| Core capital (leverage) ratio | 8.3688% | 4,857 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.2591% | 183 |
| Memoranda: | ||
| Average total assets | $3,910,377,500 | 280 |
| Average earning assets | $3,788,445,000 | 266 |
| Average equity | $370,307,500 | 306 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4001% | 5,128 |
| Cost of funding earning assets | 0.2088% | 4,946 |
| Net interest margin | 2.1913% | 5,055 |
| Noninterest income to average assets | 0.7307% | 1,703 |
| Noninterest expense to average assets | 0.6956% | 5,150 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.5855% | 866 |
| Return on assets (ROA) | 1.5880% | 915 |
| Pretax return on assets | 2.1592% | 414 |
| Return on Equity (ROE) | 19.5445% | 238 |
| Retained earnings to average equity (ytd only) | 8.6477% | 796 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.2870% | 5,151 |
| Assets per employee ($millions) | 33.6084% | 34 |
| Cash dividends to net income (ytd only)* | 55.7541% | 1,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 89.8856% | 358 |
| Equity capital to assets | 9.6234% | 4,248 |
| Core capital (leverage) ratio | 8.6035% | 4,781 |
| Tier 1 risk-based capital ratio | 37.7916% | 277 |
| Total risk-based capital ratio | 37.7916% | 294 |
| Memoranda: | ||
| Average total assets | $4,122,480,800 | 261 |
| Average earning assets | $3,990,122,200 | 247 |
| Average equity | $334,958,000 | 318 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4549% | 5,215 |
| Cost of funding earning assets | 0.2155% | 5,004 |
| Net interest margin | 2.2394% | 5,139 |
| Noninterest income to average assets | 0.7005% | 1,782 |
| Noninterest expense to average assets | 0.6760% | 5,233 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5434% | 1,078 |
| Return on assets (ROA) | 1.5451% | 1,128 |
| Pretax return on assets | 2.1937% | 456 |
| Return on Equity (ROE) | 19.8338% | 262 |
| Retained earnings to average equity (ytd only) | 9.5539% | 880 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.4742% | 5,231 |
| Assets per employee ($millions) | 37.9323% | 28 |
| Cash dividends to net income (ytd only)* | 51.8305% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 91.1941% | 82 |
| Equity capital to assets | 8.2904% | 5,071 |
| Core capital (leverage) ratio | 8.5614% | 4,912 |
| Tier 1 risk-based capital ratio | 36.4614% | 313 |
| Total risk-based capital ratio | 36.4614% | 335 |
| Memoranda: | ||
| Average total assets | $4,212,064,750 | 257 |
| Average earning assets | $4,075,861,000 | 245 |
| Average equity | $328,138,250 | 324 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5946% | 5,264 |
| Cost of funding earning assets | 0.2295% | 5,015 |
| Net interest margin | 2.3651% | 5,174 |
| Noninterest income to average assets | 0.6786% | 1,800 |
| Noninterest expense to average assets | 0.6803% | 5,280 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6106% | 886 |
| Return on assets (ROA) | 1.6108% | 922 |
| Pretax return on assets | 2.2869% | 370 |
| Return on Equity (ROE) | 21.1338% | 197 |
| Retained earnings to average equity (ytd only) | 13.1366% | 290 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.8332% | 5,274 |
| Assets per employee ($millions) | 37.5257% | 27 |
| Cash dividends to net income (ytd only)* | 37.8407% | 2,293 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 91.1622% | 87 |
| Equity capital to assets | 8.3364% | 5,103 |
| Core capital (leverage) ratio | 8.2309% | 5,095 |
| Tier 1 risk-based capital ratio | 34.3566% | 358 |
| Total risk-based capital ratio | 34.3566% | 382 |
| Memoranda: | ||
| Average total assets | $4,199,945,330 | 259 |
| Average earning assets | $4,063,428,330 | 246 |
| Average equity | $320,113,330 | 332 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6895% | 5,319 |
| Cost of funding earning assets | 0.2631% | 4,944 |
| Net interest margin | 2.4265% | 5,212 |
| Noninterest income to average assets | 0.6407% | 1,858 |
| Noninterest expense to average assets | 0.6904% | 5,341 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.6269% | 844 |
| Return on assets (ROA) | 1.6269% | 876 |
| Pretax return on assets | 2.3097% | 354 |
| Return on Equity (ROE) | 22.3957% | 165 |
| Retained earnings to average equity (ytd only) | 22.3957% | 68 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.9216% | 5,339 |
| Assets per employee ($millions) | 38.6256% | 26 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | 0.0000% | 5,323 |
| Total domestic deposits to total assets | 92.0256% | 62 |
| Equity capital to assets | 7.5342% | 5,262 |
| Core capital (leverage) ratio | 7.6884% | 5,260 |
| Tier 1 risk-based capital ratio | 32.7724% | 394 |
| Total risk-based capital ratio | 32.7724% | 422 |
| Memoranda: | ||
| Average total assets | $4,198,478,500 | 262 |
| Average earning assets | $4,082,480,500 | 247 |
| Average equity | $304,986,500 | 344 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2385% | 5,359 |
| Cost of funding earning assets | 0.1413% | 5,200 |
| Net interest margin | 2.0972% | 5,326 |
| Noninterest income to average assets | 0.7806% | 1,524 |
| Noninterest expense to average assets | 0.6831% | 5,380 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.5584% | 973 |
| Return on assets (ROA) | 1.5579% | 966 |
| Pretax return on assets | 2.1190% | 418 |
| Return on Equity (ROE) | 23.8141% | 107 |
| Retained earnings to average equity (ytd only) | 15.3060% | 107 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.2218% | 5,380 |
| Assets per employee ($millions) | 37.3540% | 26 |
| Cash dividends to net income (ytd only)* | 35.7272% | 2,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 92.7046% | 46 |
| Equity capital to assets | 6.9769% | 5,336 |
| Core capital (leverage) ratio | 7.1165% | 5,354 |
| Tier 1 risk-based capital ratio | 32.3911% | 391 |
| Total risk-based capital ratio | 32.3911% | 416 |
| Memoranda: | ||
| Average total assets | $3,916,701,600 | 272 |
| Average earning assets | $3,776,335,600 | 257 |
| Average equity | $256,226,600 | 381 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0657% | 5,439 |
| Cost of funding earning assets | 0.1287% | 5,281 |
| Net interest margin | 1.9370% | 5,413 |
| Noninterest income to average assets | 0.8019% | 1,467 |
| Noninterest expense to average assets | 0.6762% | 5,452 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.3992% | 1,497 |
| Return on assets (ROA) | 1.3988% | 1,498 |
| Pretax return on assets | 1.9860% | 641 |
| Return on Equity (ROE) | 21.7671% | 177 |
| Retained earnings to average equity (ytd only) | 10.0759% | 899 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.2246% | 5,446 |
| Assets per employee ($millions) | 48.2134% | 24 |
| Cash dividends to net income (ytd only)* | 53.7105% | 1,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 94.1197% | 10 |
| Equity capital to assets | 5.0242% | 5,464 |
| Core capital (leverage) ratio | 7.1743% | 5,421 |
| Tier 1 risk-based capital ratio | 29.2270% | 513 |
| Total risk-based capital ratio | 29.2270% | 561 |
| Memoranda: | ||
| Average total assets | $3,868,643,000 | 270 |
| Average earning assets | $3,716,394,250 | 260 |
| Average equity | $248,613,750 | 386 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0684% | 5,501 |
| Cost of funding earning assets | 0.1203% | 5,343 |
| Net interest margin | 1.9481% | 5,475 |
| Noninterest income to average assets | 0.8868% | 1,220 |
| Noninterest expense to average assets | 0.7508% | 5,517 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.4123% | 1,388 |
| Return on assets (ROA) | 1.4117% | 1,394 |
| Pretax return on assets | 2.0042% | 602 |
| Return on Equity (ROE) | 19.9662% | 270 |
| Retained earnings to average equity (ytd only) | 10.6837% | 739 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.0525% | 5,505 |
| Assets per employee ($millions) | 37.2975% | 29 |
| Cash dividends to net income (ytd only)* | 46.4911% | 1,829 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 92.0141% | 89 |
| Equity capital to assets | 6.7887% | 5,466 |
| Core capital (leverage) ratio | 7.9563% | 5,362 |
| Tier 1 risk-based capital ratio | 32.8120% | 381 |
| Total risk-based capital ratio | 32.8120% | 419 |
| Memoranda: | ||
| Average total assets | $3,535,005,670 | 287 |
| Average earning assets | $3,391,431,330 | 274 |
| Average equity | $249,932,670 | 384 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9349% | 5,570 |
| Cost of funding earning assets | 0.1123% | 5,420 |
| Net interest margin | 1.8226% | 5,552 |
| Noninterest income to average assets | 0.8722% | 1,225 |
| Noninterest expense to average assets | 0.7765% | 5,580 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3014% | 1,635 |
| Return on assets (ROA) | 1.3014% | 1,640 |
| Pretax return on assets | 1.8476% | 828 |
| Return on Equity (ROE) | 18.0297% | 408 |
| Retained earnings to average equity (ytd only) | 12.9267% | 533 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.3767% | 5,566 |
| Assets per employee ($millions) | 34.1607% | 30 |
| Cash dividends to net income (ytd only)* | 28.3036% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | 0.0000% | 5,567 |
| Total domestic deposits to total assets | 92.7255% | 51 |
| Equity capital to assets | 6.9877% | 5,513 |
| Core capital (leverage) ratio | 8.4910% | 5,147 |
| Tier 1 risk-based capital ratio | 36.4996% | 290 |
| Total risk-based capital ratio | 36.4996% | 321 |
| Memoranda: | ||
| Average total assets | $3,474,931,500 | 290 |
| Average earning assets | $3,340,309,500 | 276 |
| Average equity | $250,830,000 | 387 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6462% | 5,622 |
| Cost of funding earning assets | 0.1038% | 5,481 |
| Net interest margin | 1.5424% | 5,614 |
| Noninterest income to average assets | 0.8751% | 1,343 |
| Noninterest expense to average assets | 0.7727% | 5,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.9970% | 2,254 |
| Return on assets (ROA) | 0.8170% | 3,129 |
| Pretax return on assets | 1.2966% | 2,368 |
| Return on Equity (ROE) | 10.9803% | 1,496 |
| Retained earnings to average equity (ytd only) | 1.7073% | 4,284 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.5776% | 5,617 |
| Assets per employee ($millions) | 33.9733% | 28 |
| Cash dividends to net income (ytd only)* | 84.4514% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 92.3843% | 56 |
| Equity capital to assets | 7.4547% | 5,545 |
| Core capital (leverage) ratio | 8.2961% | 5,287 |
| Tier 1 risk-based capital ratio | 37.3732% | 269 |
| Total risk-based capital ratio | 37.3732% | 290 |
| Memoranda: | ||
| Average total assets | $3,347,880,000 | 284 |
| Average earning assets | $3,202,490,400 | 272 |
| Average equity | $249,109,200 | 378 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5667% | 5,699 |
| Cost of funding earning assets | 0.1016% | 5,553 |
| Net interest margin | 1.4651% | 5,690 |
| Noninterest income to average assets | 0.8770% | 1,348 |
| Noninterest expense to average assets | 0.7868% | 5,702 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.9236% | 2,906 |
| Return on assets (ROA) | 0.9242% | 2,967 |
| Pretax return on assets | 1.4906% | 1,803 |
| Return on Equity (ROE) | 12.4262% | 1,207 |
| Retained earnings to average equity (ytd only) | 3.3737% | 3,918 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.2581% | 5,661 |
| Assets per employee ($millions) | 34.3070% | 29 |
| Cash dividends to net income (ytd only)* | 72.8503% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 92.2431% | 49 |
| Equity capital to assets | 7.4970% | 5,614 |
| Core capital (leverage) ratio | 7.9378% | 5,532 |
| Tier 1 risk-based capital ratio | 34.6333% | 331 |
| Total risk-based capital ratio | 34.6333% | 362 |
| Memoranda: | ||
| Average total assets | $3,327,023,500 | 284 |
| Average earning assets | $3,178,203,500 | 273 |
| Average equity | $247,438,000 | 380 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4740% | 5,753 |
| Cost of funding earning assets | 0.0981% | 5,605 |
| Net interest margin | 1.3759% | 5,744 |
| Noninterest income to average assets | 0.8823% | 1,323 |
| Noninterest expense to average assets | 0.7685% | 5,755 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.8858% | 2,987 |
| Return on assets (ROA) | 0.8866% | 3,042 |
| Pretax return on assets | 1.4299% | 1,898 |
| Return on Equity (ROE) | 11.9541% | 1,315 |
| Retained earnings to average equity (ytd only) | 3.5178% | 3,615 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6337% | 5,707 |
| Assets per employee ($millions) | 34.1907% | 31 |
| Cash dividends to net income (ytd only)* | 70.5721% | 1,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 92.2749% | 54 |
| Equity capital to assets | 7.2500% | 5,687 |
| Core capital (leverage) ratio | 7.6237% | 5,629 |
| Tier 1 risk-based capital ratio | 32.8480% | 374 |
| Total risk-based capital ratio | 32.8480% | 409 |
| Memoranda: | ||
| Average total assets | $3,292,464,000 | 289 |
| Average earning assets | $3,146,514,000 | 274 |
| Average equity | $244,183,670 | 384 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2200% | 5,833 |
| Cost of funding earning assets | 0.0930% | 5,683 |
| Net interest margin | 1.1269% | 5,829 |
| Noninterest income to average assets | 0.8913% | 1,270 |
| Noninterest expense to average assets | 0.7979% | 5,825 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7293% | 3,563 |
| Return on assets (ROA) | 0.7293% | 3,613 |
| Pretax return on assets | 1.1762% | 2,690 |
| Return on Equity (ROE) | 9.7142% | 2,091 |
| Retained earnings to average equity (ytd only) | -0.2918% | 4,964 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.0304% | 5,697 |
| Assets per employee ($millions) | 32.0128% | 33 |
| Cash dividends to net income (ytd only)* | 103.0043% | 669 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 91.9293% | 113 |
| Equity capital to assets | 7.4327% | 5,692 |
| Core capital (leverage) ratio | 8.3925% | 5,313 |
| Tier 1 risk-based capital ratio | 33.5183% | 365 |
| Total risk-based capital ratio | 33.5183% | 399 |
| Memoranda: | ||
| Average total assets | $3,194,968,500 | 298 |
| Average earning assets | $3,069,931,500 | 282 |
| Average equity | $239,855,000 | 386 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3758% | 5,870 |
| Cost of funding earning assets | 0.0898% | 5,745 |
| Net interest margin | 1.2860% | 5,864 |
| Noninterest income to average assets | 0.9116% | 1,368 |
| Noninterest expense to average assets | 0.7500% | 5,881 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8851% | 2,905 |
| Return on assets (ROA) | 0.8953% | 2,971 |
| Pretax return on assets | 1.4222% | 1,851 |
| Return on Equity (ROE) | 11.4914% | 1,408 |
| Retained earnings to average equity (ytd only) | 9.1699% | 552 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 34.6368% | 5,838 |
| Assets per employee ($millions) | 30.3379% | 33 |
| Cash dividends to net income (ytd only)* | 20.2020% | 3,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 92.2659% | 84 |
| Equity capital to assets | 7.5879% | 5,695 |
| Core capital (leverage) ratio | 7.9271% | 5,647 |
| Tier 1 risk-based capital ratio | 34.6834% | 331 |
| Total risk-based capital ratio | 34.6834% | 356 |
| Memoranda: | ||
| Average total assets | $3,251,717,000 | 285 |
| Average earning assets | $3,147,695,400 | 272 |
| Average equity | $253,328,000 | 357 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3114% | 5,942 |
| Cost of funding earning assets | 0.0873% | 5,820 |
| Net interest margin | 1.2241% | 5,936 |
| Noninterest income to average assets | 0.9041% | 1,393 |
| Noninterest expense to average assets | 0.7407% | 5,952 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8369% | 3,208 |
| Return on assets (ROA) | 0.8486% | 3,280 |
| Pretax return on assets | 1.3687% | 2,160 |
| Return on Equity (ROE) | 10.8261% | 1,737 |
| Retained earnings to average equity (ytd only) | 10.5930% | 475 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.4208% | 5,893 |
| Assets per employee ($millions) | 35.8450% | 29 |
| Cash dividends to net income (ytd only)* | 2.1532% | 3,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 91.7938% | 90 |
| Equity capital to assets | 7.2763% | 5,867 |
| Core capital (leverage) ratio | 7.9857% | 5,695 |
| Tier 1 risk-based capital ratio | 32.5102% | 394 |
| Total risk-based capital ratio | 32.5102% | 432 |
| Memoranda: | ||
| Average total assets | $3,283,444,250 | 283 |
| Average earning assets | $3,184,113,000 | 264 |
| Average equity | $257,383,000 | 354 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3318% | 6,023 |
| Cost of funding earning assets | 0.0873% | 5,901 |
| Net interest margin | 1.2445% | 6,017 |
| Noninterest income to average assets | 0.9202% | 1,316 |
| Noninterest expense to average assets | 0.7687% | 6,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8511% | 3,092 |
| Return on assets (ROA) | 0.8613% | 3,166 |
| Pretax return on assets | 1.3892% | 2,067 |
| Return on Equity (ROE) | 10.6951% | 1,763 |
| Retained earnings to average equity (ytd only) | 10.3427% | 536 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.8882% | 5,969 |
| Assets per employee ($millions) | 34.9695% | 30 |
| Cash dividends to net income (ytd only)* | 3.2953% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 92.0848% | 76 |
| Equity capital to assets | 7.5370% | 5,908 |
| Core capital (leverage) ratio | 7.8486% | 5,803 |
| Tier 1 risk-based capital ratio | 32.6092% | 395 |
| Total risk-based capital ratio | 32.6207% | 437 |
| Memoranda: | ||
| Average total assets | $3,171,145,000 | 284 |
| Average earning assets | $3,112,794,000 | 268 |
| Average equity | $255,368,330 | 356 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3869% | 6,087 |
| Cost of funding earning assets | 0.0890% | 5,956 |
| Net interest margin | 1.2979% | 6,081 |
| Noninterest income to average assets | 0.9161% | 1,276 |
| Noninterest expense to average assets | 0.7886% | 6,090 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8680% | 2,905 |
| Return on assets (ROA) | 0.8678% | 3,026 |
| Pretax return on assets | 1.3996% | 1,907 |
| Return on Equity (ROE) | 10.3948% | 1,823 |
| Retained earnings to average equity (ytd only) | 10.0385% | 839 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 36.0314% | 6,027 |
| Assets per employee ($millions) | 30.9970% | 34 |
| Cash dividends to net income (ytd only)* | 3.4278% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 91.1472% | 228 |
| Equity capital to assets | 8.5095% | 5,555 |
| Core capital (leverage) ratio | 8.4842% | 5,403 |
| Tier 1 risk-based capital ratio | 37.6562% | 276 |
| Total risk-based capital ratio | 37.6818% | 297 |
| Memoranda: | ||
| Average total assets | $3,025,729,000 | 290 |
| Average earning assets | $2,966,281,500 | 278 |
| Average equity | $252,588,000 | 357 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3590% | 6,132 |
| Cost of funding earning assets | 0.0875% | 6,008 |
| Net interest margin | 1.2715% | 6,128 |
| Noninterest income to average assets | 0.9649% | 1,280 |
| Noninterest expense to average assets | 0.8205% | 6,140 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8732% | 3,005 |
| Return on assets (ROA) | 0.8522% | 3,175 |
| Pretax return on assets | 1.3523% | 2,096 |
| Return on Equity (ROE) | 10.5944% | 1,759 |
| Retained earnings to average equity (ytd only) | 10.2155% | 438 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.1988% | 6,099 |
| Assets per employee ($millions) | 30.4388% | 33 |
| Cash dividends to net income (ytd only)* | 3.5771% | 4,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 91.5383% | 171 |
| Equity capital to assets | 8.1894% | 5,768 |
| Core capital (leverage) ratio | 7.7902% | 5,913 |
| Tier 1 risk-based capital ratio | 37.1169% | 279 |
| Total risk-based capital ratio | 37.1451% | 308 |
| Memoranda: | ||
| Average total assets | $2,952,505,400 | 283 |
| Average earning assets | $2,881,254,000 | 268 |
| Average equity | $237,483,400 | 364 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3320% | 6,228 |
| Cost of funding earning assets | 0.0867% | 6,103 |
| Net interest margin | 1.2453% | 6,223 |
| Noninterest income to average assets | 0.9789% | 1,231 |
| Noninterest expense to average assets | 0.8220% | 6,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8516% | 3,168 |
| Return on assets (ROA) | 0.8231% | 3,399 |
| Pretax return on assets | 1.3276% | 2,292 |
| Return on Equity (ROE) | 10.2810% | 1,982 |
| Retained earnings to average equity (ytd only) | 9.8993% | 649 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.4636% | 6,169 |
| Assets per employee ($millions) | 29.4319% | 32 |
| Cash dividends to net income (ytd only)* | 3.7127% | 3,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 91.1893% | 207 |
| Equity capital to assets | 8.4993% | 5,710 |
| Core capital (leverage) ratio | 7.5297% | 6,050 |
| Tier 1 risk-based capital ratio | 37.0224% | 304 |
| Total risk-based capital ratio | 37.0683% | 331 |
| Memoranda: | ||
| Average total assets | $2,944,882,000 | 285 |
| Average earning assets | $2,873,884,750 | 275 |
| Average equity | $235,781,500 | 372 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3104% | 6,305 |
| Cost of funding earning assets | 0.0847% | 6,181 |
| Net interest margin | 1.2258% | 6,300 |
| Noninterest income to average assets | 0.9781% | 1,227 |
| Noninterest expense to average assets | 0.8085% | 6,307 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8464% | 3,139 |
| Return on assets (ROA) | 0.8045% | 3,458 |
| Pretax return on assets | 1.2975% | 2,372 |
| Return on Equity (ROE) | 10.2551% | 1,955 |
| Retained earnings to average equity (ytd only) | 9.8669% | 690 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 37.2300% | 6,249 |
| Assets per employee ($millions) | 34.3244% | 31 |
| Cash dividends to net income (ytd only)* | 3.7856% | 3,584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 92.5593% | 78 |
| Equity capital to assets | 7.1977% | 6,163 |
| Core capital (leverage) ratio | 7.6022% | 6,069 |
| Tier 1 risk-based capital ratio | 33.2875% | 418 |
| Total risk-based capital ratio | 33.3276% | 451 |
| Memoranda: | ||
| Average total assets | $2,955,255,670 | 285 |
| Average earning assets | $2,877,206,670 | 273 |
| Average equity | $231,825,670 | 379 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3058% | 6,379 |
| Cost of funding earning assets | 0.0879% | 6,244 |
| Net interest margin | 1.2179% | 6,376 |
| Noninterest income to average assets | 1.0011% | 1,120 |
| Noninterest expense to average assets | 0.8483% | 6,383 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8307% | 3,109 |
| Return on assets (ROA) | 0.7418% | 3,715 |
| Pretax return on assets | 1.1962% | 2,685 |
| Return on Equity (ROE) | 9.0231% | 2,433 |
| Retained earnings to average equity (ytd only) | 8.6324% | 1,329 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.8508% | 6,284 |
| Assets per employee ($millions) | 31.3383% | 32 |
| Cash dividends to net income (ytd only)* | 4.3294% | 2,801 |
| 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% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 91.6858% | 193 |
| Equity capital to assets | 7.9274% | 6,058 |
| Core capital (leverage) ratio | 7.6623% | 6,086 |
| Tier 1 risk-based capital ratio | 35.4080% | 350 |
| Total risk-based capital ratio | 35.4519% | 382 |
| Memoranda: | ||
| Average total assets | $2,802,472,500 | 295 |
| Average earning assets | $2,720,453,000 | 280 |
| Average equity | $230,387,000 | 378 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3672% | 6,457 |
| Cost of funding earning assets | 0.1068% | 6,307 |
| Net interest margin | 1.2604% | 6,448 |
| Noninterest income to average assets | 1.2516% | 776 |
| Noninterest expense to average assets | 1.0544% | 6,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8795% | 2,979 |
| Return on assets (ROA) | 0.8500% | 3,216 |
| Pretax return on assets | 1.3683% | 2,009 |
| Return on Equity (ROE) | 10.8291% | 1,775 |
| Retained earnings to average equity (ytd only) | 10.3055% | 472 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7092% | 6,355 |
| Assets per employee ($millions) | 26.8146% | 37 |
| Cash dividends to net income (ytd only)* | 4.8343% | 4,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 91.1476% | 322 |
| Equity capital to assets | 8.5533% | 5,698 |
| Core capital (leverage) ratio | 8.5271% | 5,532 |
| Tier 1 risk-based capital ratio | 36.4533% | 301 |
| Total risk-based capital ratio | 36.4893% | 327 |
| Memoranda: | ||
| Average total assets | $2,190,149,800 | 338 |
| Average earning assets | $2,114,739,200 | 320 |
| Average equity | $171,917,200 | 461 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3858% | 6,543 |
| Cost of funding earning assets | 0.1083% | 6,384 |
| Net interest margin | 1.2775% | 6,535 |
| Noninterest income to average assets | 1.3305% | 687 |
| Noninterest expense to average assets | 1.1116% | 6,505 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9022% | 2,905 |
| Return on assets (ROA) | 0.8882% | 3,071 |
| Pretax return on assets | 1.4325% | 1,880 |
| Return on Equity (ROE) | 11.6448% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.0777% | 503 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.3202% | 6,385 |
| Assets per employee ($millions) | 24.6906% | 39 |
| Cash dividends to net income (ytd only)* | 4.8698% | 3,711 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 92.0200% | 157 |
| Equity capital to assets | 7.7192% | 6,237 |
| Core capital (leverage) ratio | 7.7911% | 6,173 |
| Tier 1 risk-based capital ratio | 34.4298% | 375 |
| Total risk-based capital ratio | 34.5290% | 401 |
| Memoranda: | ||
| Average total assets | $2,080,729,750 | 358 |
| Average earning assets | $2,012,391,000 | 334 |
| Average equity | $158,705,250 | 480 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4510% | 6,605 |
| Cost of funding earning assets | 0.1078% | 6,457 |
| Net interest margin | 1.3432% | 6,596 |
| Noninterest income to average assets | 1.4428% | 583 |
| Noninterest expense to average assets | 1.1965% | 6,553 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9507% | 2,549 |
| Return on assets (ROA) | 0.8826% | 2,985 |
| Pretax return on assets | 1.4352% | 1,765 |
| Return on Equity (ROE) | 11.6318% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.0214% | 537 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.6992% | 6,432 |
| Assets per employee ($millions) | 21.8993% | 41 |
| Cash dividends to net income (ytd only)* | 5.2478% | 3,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 92.0238% | 169 |
| Equity capital to assets | 7.7012% | 6,297 |
| Core capital (leverage) ratio | 7.7356% | 6,235 |
| Tier 1 risk-based capital ratio | 35.2768% | 336 |
| Total risk-based capital ratio | 35.4587% | 361 |
| Memoranda: | ||
| Average total assets | $1,943,055,330 | 373 |
| Average earning assets | $1,873,561,330 | 354 |
| Average equity | $147,440,670 | 503 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4661% | 6,679 |
| Cost of funding earning assets | 0.1074% | 6,542 |
| Net interest margin | 1.3588% | 6,673 |
| Noninterest income to average assets | 1.4342% | 570 |
| Noninterest expense to average assets | 1.2360% | 6,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9351% | 2,482 |
| Return on assets (ROA) | 0.8635% | 2,894 |
| Pretax return on assets | 1.3927% | 1,771 |
| Return on Equity (ROE) | 11.4777% | 1,551 |
| Retained earnings to average equity (ytd only) | 10.8319% | 774 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.0993% | 6,453 |
| Assets per employee ($millions) | 19.5620% | 49 |
| Cash dividends to net income (ytd only)* | 5.6264% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 92.0480% | 233 |
| Equity capital to assets | 7.5698% | 6,292 |
| Core capital (leverage) ratio | 7.8802% | 6,188 |
| Tier 1 risk-based capital ratio | 35.6581% | 331 |
| Total risk-based capital ratio | 35.8442% | 355 |
| Memoranda: | ||
| Average total assets | $1,852,468,500 | 389 |
| Average earning assets | $1,781,044,500 | 369 |
| Average equity | $139,365,500 | 526 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3838% | 6,754 |
| Cost of funding earning assets | 0.1261% | 6,614 |
| Net interest margin | 1.2576% | 6,746 |
| Noninterest income to average assets | 1.6241% | 539 |
| Noninterest expense to average assets | 1.3125% | 6,680 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.9490% | 2,570 |
| Return on assets (ROA) | 0.8864% | 2,938 |
| Pretax return on assets | 1.4167% | 1,727 |
| Return on Equity (ROE) | 11.3027% | 1,669 |
| Retained earnings to average equity (ytd only) | 10.6390% | 475 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.4266% | 6,537 |
| Assets per employee ($millions) | 18.8273% | 52 |
| Cash dividends to net income (ytd only)* | 5.8728% | 4,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 92.1702% | 252 |
| Equity capital to assets | 7.4744% | 6,298 |
| Core capital (leverage) ratio | 8.0424% | 6,102 |
| Tier 1 risk-based capital ratio | 35.7345% | 304 |
| Total risk-based capital ratio | 35.8950% | 338 |
| Memoranda: | ||
| Average total assets | $1,728,835,000 | 401 |
| Average earning assets | $1,653,640,800 | 377 |
| Average equity | $135,586,600 | 532 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4143% | 6,836 |
| Cost of funding earning assets | 0.1214% | 6,720 |
| Net interest margin | 1.2929% | 6,829 |
| Noninterest income to average assets | 1.6520% | 544 |
| Noninterest expense to average assets | 1.3383% | 6,723 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.9317% | 2,680 |
| Return on assets (ROA) | 0.9526% | 2,682 |
| Pretax return on assets | 1.5825% | 1,379 |
| Return on Equity (ROE) | 11.9978% | 1,475 |
| Retained earnings to average equity (ytd only) | 11.3347% | 517 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3375% | 6,576 |
| Assets per employee ($millions) | 18.9327% | 57 |
| Cash dividends to net income (ytd only)* | 5.5274% | 3,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 92.1997% | 221 |
| Equity capital to assets | 7.3133% | 6,456 |
| Core capital (leverage) ratio | 7.7671% | 6,346 |
| Tier 1 risk-based capital ratio | 34.3983% | 355 |
| Total risk-based capital ratio | 34.5231% | 385 |
| Memoranda: | ||
| Average total assets | $1,709,188,750 | 406 |
| Average earning assets | $1,634,209,500 | 384 |
| Average equity | $135,710,000 | 538 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4108% | 6,886 |
| Cost of funding earning assets | 0.1153% | 6,792 |
| Net interest margin | 1.2955% | 6,877 |
| Noninterest income to average assets | 1.7118% | 564 |
| Noninterest expense to average assets | 1.3892% | 6,740 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.9395% | 2,619 |
| Return on assets (ROA) | 0.9717% | 2,602 |
| Pretax return on assets | 1.6092% | 1,346 |
| Return on Equity (ROE) | 11.8933% | 1,527 |
| Retained earnings to average equity (ytd only) | 11.2324% | 606 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1204% | 6,588 |
| Assets per employee ($millions) | 17.7344% | 59 |
| Cash dividends to net income (ytd only)* | 5.5569% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 92.0142% | 247 |
| Equity capital to assets | 7.6838% | 6,375 |
| Core capital (leverage) ratio | 8.1497% | 6,060 |
| Tier 1 risk-based capital ratio | 33.9835% | 369 |
| Total risk-based capital ratio | 34.1000% | 404 |
| Memoranda: | ||
| Average total assets | $1,666,760,000 | 416 |
| Average earning assets | $1,590,625,670 | 396 |
| Average equity | $136,177,670 | 541 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3685% | 6,969 |
| Cost of funding earning assets | 0.1062% | 6,898 |
| Net interest margin | 1.2623% | 6,961 |
| Noninterest income to average assets | 1.6610% | 563 |
| Noninterest expense to average assets | 1.4065% | 6,813 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8835% | 2,732 |
| Return on assets (ROA) | 0.8835% | 2,876 |
| Pretax return on assets | 1.4565% | 1,692 |
| Return on Equity (ROE) | 10.4913% | 1,875 |
| Retained earnings to average equity (ytd only) | 9.8431% | 1,144 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.1273% | 6,561 |
| Assets per employee ($millions) | 17.0510% | 69 |
| Cash dividends to net income (ytd only)* | 6.1779% | 2,554 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 91.4362% | 373 |
| Equity capital to assets | 8.3120% | 6,179 |
| Core capital (leverage) ratio | 8.0348% | 6,109 |
| Tier 1 risk-based capital ratio | 34.2706% | 370 |
| Total risk-based capital ratio | 34.3411% | 399 |
| Memoranda: | ||
| Average total assets | $1,648,888,500 | 426 |
| Average earning assets | $1,570,164,000 | 405 |
| Average equity | $138,858,000 | 536 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3592% | 7,032 |
| Cost of funding earning assets | 0.1426% | 6,936 |
| Net interest margin | 1.2166% | 7,018 |
| Noninterest income to average assets | 1.9496% | 453 |
| Noninterest expense to average assets | 1.5108% | 6,867 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.9712% | 2,458 |
| Return on assets (ROA) | 0.9477% | 2,813 |
| Pretax return on assets | 1.5580% | 1,495 |
| Return on Equity (ROE) | 10.8330% | 1,862 |
| Retained earnings to average equity (ytd only) | 10.1288% | 574 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.6498% | 6,675 |
| Assets per employee ($millions) | 16.4258% | 77 |
| Cash dividends to net income (ytd only)* | 6.5010% | 4,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 90.9962% | 494 |
| Equity capital to assets | 8.5360% | 6,019 |
| Core capital (leverage) ratio | 8.2167% | 5,982 |
| Tier 1 risk-based capital ratio | 36.4323% | 300 |
| Total risk-based capital ratio | 36.4760% | 332 |
| Memoranda: | ||
| Average total assets | $1,460,775,600 | 463 |
| Average earning assets | $1,387,909,400 | 440 |
| Average equity | $127,794,600 | 563 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2054% | 7,150 |
| Cost of funding earning assets | 0.1469% | 7,041 |
| Net interest margin | 1.0585% | 7,139 |
| Noninterest income to average assets | 1.9841% | 427 |
| Noninterest expense to average assets | 1.5485% | 6,914 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.9061% | 2,957 |
| Return on assets (ROA) | 0.8221% | 3,574 |
| Pretax return on assets | 1.3102% | 2,557 |
| Return on Equity (ROE) | 9.3326% | 2,657 |
| Retained earnings to average equity (ytd only) | 8.6149% | 1,367 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7886% | 6,468 |
| Assets per employee ($millions) | 15.3104% | 84 |
| Cash dividends to net income (ytd only)* | 7.6906% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 90.6754% | 530 |
| Equity capital to assets | 8.9403% | 5,879 |
| Core capital (leverage) ratio | 8.4216% | 5,872 |
| Tier 1 risk-based capital ratio | 38.0053% | 283 |
| Total risk-based capital ratio | 38.0259% | 307 |
| Memoranda: | ||
| Average total assets | $1,423,538,000 | 469 |
| Average earning assets | $1,352,841,750 | 448 |
| Average equity | $125,391,750 | 574 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1977% | 7,217 |
| Cost of funding earning assets | 0.1473% | 7,123 |
| Net interest margin | 1.0503% | 7,206 |
| Noninterest income to average assets | 1.9618% | 418 |
| Noninterest expense to average assets | 1.5883% | 6,941 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8726% | 3,033 |
| Return on assets (ROA) | 0.7170% | 4,043 |
| Pretax return on assets | 1.1274% | 3,200 |
| Return on Equity (ROE) | 8.1840% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.4464% | 1,899 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6811% | 6,344 |
| Assets per employee ($millions) | 15.0619% | 84 |
| Cash dividends to net income (ytd only)* | 9.0126% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 91.1148% | 415 |
| Equity capital to assets | 8.4855% | 6,222 |
| Core capital (leverage) ratio | 8.2909% | 5,923 |
| Tier 1 risk-based capital ratio | 35.5621% | 330 |
| Total risk-based capital ratio | 35.5935% | 360 |
| Memoranda: | ||
| Average total assets | $1,392,808,000 | 481 |
| Average earning assets | $1,322,084,000 | 457 |
| Average equity | $122,018,670 | 588 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3215% | 7,277 |
| Cost of funding earning assets | 0.1514% | 7,185 |
| Net interest margin | 1.1702% | 7,265 |
| Noninterest income to average assets | 1.9196% | 436 |
| Noninterest expense to average assets | 1.5742% | 7,002 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9873% | 2,527 |
| Return on assets (ROA) | 0.4778% | 5,114 |
| Pretax return on assets | 0.7052% | 4,772 |
| Return on Equity (ROE) | 5.3606% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.6091% | 3,806 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.9756% | 6,545 |
| Assets per employee ($millions) | 15.0172% | 90 |
| Cash dividends to net income (ytd only)* | 14.0187% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 90.4145% | 858 |
| Equity capital to assets | 8.1761% | 6,388 |
| Core capital (leverage) ratio | 8.0926% | 6,168 |
| Tier 1 risk-based capital ratio | 35.8521% | 319 |
| Total risk-based capital ratio | 35.8786% | 341 |
| Memoranda: | ||
| Average total assets | $1,343,648,000 | 498 |
| Average earning assets | $1,273,682,000 | 477 |
| Average equity | $119,763,000 | 596 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6064% | 7,310 |
| Cost of funding earning assets | 0.2355% | 7,193 |
| Net interest margin | 1.3709% | 7,297 |
| Noninterest income to average assets | 2.0300% | 367 |
| Noninterest expense to average assets | 1.6739% | 7,069 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 1.0423% | 2,035 |
| Return on assets (ROA) | 0.6662% | 3,844 |
| Pretax return on assets | 1.0671% | 2,968 |
| Return on Equity (ROE) | 8.2067% | 2,805 |
| Retained earnings to average equity (ytd only) | 7.3168% | 1,358 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.6516% | 6,856 |
| Assets per employee ($millions) | 12.2510% | 141 |
| Cash dividends to net income (ytd only)* | 10.8434% | 3,840 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 88.2310% | 2,010 |
| Equity capital to assets | 9.8261% | 4,404 |
| Core capital (leverage) ratio | 9.9018% | 3,455 |
| Tier 1 risk-based capital ratio | 42.8389% | 184 |
| Total risk-based capital ratio | 42.8389% | 204 |
| Memoranda: | ||
| Average total assets | $1,245,946,600 | 526 |
| Average earning assets | $1,180,249,200 | 500 |
| Average equity | $101,137,400 | 680 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6498% | 7,386 |
| Cost of funding earning assets | 0.2474% | 7,280 |
| Net interest margin | 1.4024% | 7,374 |
| Noninterest income to average assets | 2.0296% | 373 |
| Noninterest expense to average assets | 1.6769% | 7,114 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.0530% | 2,128 |
| Return on assets (ROA) | 0.6926% | 3,829 |
| Pretax return on assets | 1.1193% | 2,927 |
| Return on Equity (ROE) | 8.9837% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.0552% | 1,492 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2124% | 6,870 |
| Assets per employee ($millions) | 13.5800% | 116 |
| Cash dividends to net income (ytd only)* | 10.3354% | 3,262 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 91.9831% | 217 |
| Equity capital to assets | 7.7327% | 6,833 |
| Core capital (leverage) ratio | 7.8386% | 6,534 |
| Tier 1 risk-based capital ratio | 34.7630% | 361 |
| Total risk-based capital ratio | 34.7630% | 391 |
| Memoranda: | ||
| Average total assets | $1,257,284,250 | 527 |
| Average earning assets | $1,192,051,000 | 502 |
| Average equity | $96,928,750 | 711 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6507% | 7,463 |
| Cost of funding earning assets | 0.2666% | 7,347 |
| Net interest margin | 1.3841% | 7,451 |
| Noninterest income to average assets | 2.0918% | 340 |
| Noninterest expense to average assets | 1.7537% | 7,128 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.9941% | 2,251 |
| Return on assets (ROA) | 0.8622% | 2,905 |
| Pretax return on assets | 1.4476% | 1,670 |
| Return on Equity (ROE) | 11.1963% | 1,728 |
| Retained earnings to average equity (ytd only) | 10.2448% | 791 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7909% | 6,887 |
| Assets per employee ($millions) | 13.3264% | 122 |
| Cash dividends to net income (ytd only)* | 8.4986% | 3,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 91.9233% | 250 |
| Equity capital to assets | 7.7846% | 6,815 |
| Core capital (leverage) ratio | 8.0620% | 6,217 |
| Tier 1 risk-based capital ratio | 37.7001% | 285 |
| Total risk-based capital ratio | 37.7001% | 306 |
| Memoranda: | ||
| Average total assets | $1,228,240,330 | 546 |
| Average earning assets | $1,167,411,000 | 513 |
| Average equity | $94,585,000 | 726 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6035% | 7,525 |
| Cost of funding earning assets | 0.2869% | 7,405 |
| Net interest margin | 1.3166% | 7,518 |
| Noninterest income to average assets | 2.1314% | 332 |
| Noninterest expense to average assets | 1.8495% | 7,072 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9399% | 2,399 |
| Return on assets (ROA) | 0.8776% | 2,730 |
| Pretax return on assets | 1.4358% | 1,634 |
| Return on Equity (ROE) | 11.4631% | 1,610 |
| Retained earnings to average equity (ytd only) | 10.4802% | 998 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9800% | 6,700 |
| Assets per employee ($millions) | 13.2587% | 124 |
| Cash dividends to net income (ytd only)* | 8.5747% | 2,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 92.4209% | 186 |
| Equity capital to assets | 7.2753% | 6,987 |
| Core capital (leverage) ratio | 7.9567% | 6,300 |
| Tier 1 risk-based capital ratio | 36.9000% | 305 |
| Total risk-based capital ratio | 36.9000% | 326 |
| Memoranda: | ||
| Average total assets | $1,196,029,000 | 561 |
| Average earning assets | $1,136,233,000 | 530 |
| Average equity | $91,563,000 | 740 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8217% | 7,569 |
| Cost of funding earning assets | 0.3518% | 7,469 |
| Net interest margin | 1.4699% | 7,549 |
| Noninterest income to average assets | 2.2376% | 329 |
| Noninterest expense to average assets | 2.1162% | 6,810 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.9038% | 2,369 |
| Return on assets (ROA) | 0.6396% | 3,643 |
| Pretax return on assets | 1.0840% | 2,644 |
| Return on Equity (ROE) | 9.2104% | 2,215 |
| Retained earnings to average equity (ytd only) | 8.0277% | 972 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.2811% | 6,310 |
| Assets per employee ($millions) | 11.6586% | 174 |
| Cash dividends to net income (ytd only)* | 12.8406% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 91.5886% | 379 |
| Equity capital to assets | 8.0881% | 6,398 |
| Core capital (leverage) ratio | 8.8215% | 4,823 |
| Tier 1 risk-based capital ratio | 41.2963% | 226 |
| Total risk-based capital ratio | 41.2963% | 234 |
| Memoranda: | ||
| Average total assets | $1,095,910,400 | 613 |
| Average earning assets | $1,025,501,400 | 585 |
| Average equity | $76,098,800 | 866 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8701% | 7,696 |
| Cost of funding earning assets | 0.3513% | 7,606 |
| Net interest margin | 1.5188% | 7,671 |
| Noninterest income to average assets | 2.2460% | 318 |
| Noninterest expense to average assets | 2.2079% | 6,584 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.8806% | 2,696 |
| Return on assets (ROA) | 0.4808% | 4,601 |
| Pretax return on assets | 0.8284% | 3,806 |
| Return on Equity (ROE) | 7.2300% | 3,240 |
| Retained earnings to average equity (ytd only) | 5.9885% | 2,357 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3087% | 5,905 |
| Assets per employee ($millions) | 12.3856% | 156 |
| Cash dividends to net income (ytd only)* | 17.1713% | 3,077 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 93.1045% | 98 |
| Equity capital to assets | 6.6312% | 7,404 |
| Core capital (leverage) ratio | 7.2547% | 7,033 |
| Tier 1 risk-based capital ratio | 35.4777% | 338 |
| Total risk-based capital ratio | 35.4777% | 365 |
| Memoranda: | ||
| Average total assets | $1,090,081,750 | 609 |
| Average earning assets | $1,015,534,250 | 587 |
| Average equity | $72,492,500 | 920 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0942% | 7,766 |
| Cost of funding earning assets | 0.3657% | 7,683 |
| Net interest margin | 1.7285% | 7,708 |
| Noninterest income to average assets | 2.3113% | 290 |
| Noninterest expense to average assets | 2.3542% | 6,203 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.9425% | 2,394 |
| Return on assets (ROA) | 0.5486% | 4,241 |
| Pretax return on assets | 0.9458% | 3,328 |
| Return on Equity (ROE) | 8.2404% | 2,792 |
| Retained earnings to average equity (ytd only) | 6.9515% | 1,853 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1247% | 6,024 |
| Assets per employee ($millions) | 10.8960% | 205 |
| Cash dividends to net income (ytd only)* | 15.6413% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 93.0602% | 110 |
| Equity capital to assets | 6.7270% | 7,429 |
| Core capital (leverage) ratio | 7.7425% | 6,563 |
| Tier 1 risk-based capital ratio | 36.1702% | 320 |
| Total risk-based capital ratio | 36.1702% | 346 |
| Memoranda: | ||
| Average total assets | $1,048,847,670 | 635 |
| Average earning assets | $973,435,670 | 611 |
| Average equity | $69,827,000 | 956 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4137% | 7,857 |
| Cost of funding earning assets | 0.3645% | 7,787 |
| Net interest margin | 2.0491% | 7,710 |
| Noninterest income to average assets | 2.3092% | 276 |
| Noninterest expense to average assets | 2.4566% | 5,886 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0361% | 2,051 |
| Return on assets (ROA) | 0.7801% | 3,168 |
| Pretax return on assets | 1.3433% | 1,924 |
| Return on Equity (ROE) | 11.7864% | 1,549 |
| Retained earnings to average equity (ytd only) | 10.4430% | 1,057 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4925% | 6,412 |
| Assets per employee ($millions) | 9.6013% | 300 |
| Cash dividends to net income (ytd only)* | 11.3982% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 92.5710% | 157 |
| Equity capital to assets | 6.9728% | 7,386 |
| Core capital (leverage) ratio | 8.5719% | 5,253 |
| Tier 1 risk-based capital ratio | 37.8251% | 293 |
| Total risk-based capital ratio | 37.8251% | 308 |
| Memoranda: | ||
| Average total assets | $1,012,127,500 | 671 |
| Average earning assets | $933,852,000 | 657 |
| Average equity | $66,992,500 | 993 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9927% | 7,926 |
| Cost of funding earning assets | 0.5115% | 7,826 |
| Net interest margin | 1.4812% | 7,871 |
| Noninterest income to average assets | 2.4220% | 286 |
| Noninterest expense to average assets | 2.4232% | 6,397 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 0.8353% | 2,400 |
| Return on assets (ROA) | -0.1451% | 5,754 |
| Pretax return on assets | -0.2517% | 5,769 |
| Return on Equity (ROE) | -3.0240% | 5,989 |
| Retained earnings to average equity (ytd only) | -4.7553% | 5,991 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.4330% | 5,504 |
| Assets per employee ($millions) | 9.6766% | 288 |
| Cash dividends to net income (ytd only)* | -57.2519% | 7,838 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 93.2919% | 109 |
| Equity capital to assets | 6.2745% | 7,616 |
| Core capital (leverage) ratio | 8.1607% | 5,888 |
| Tier 1 risk-based capital ratio | 35.2310% | 338 |
| Total risk-based capital ratio | 35.2310% | 366 |
| Memoranda: | ||
| Average total assets | $1,083,470,000 | 624 |
| Average earning assets | $937,253,000 | 645 |
| Average equity | $51,983,800 | 1,285 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0145% | 8,029 |
| Cost of funding earning assets | 0.5483% | 7,916 |
| Net interest margin | 1.4662% | 7,950 |
| Noninterest income to average assets | 2.4299% | 277 |
| Noninterest expense to average assets | 2.4069% | 6,394 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 0.7262% | 3,114 |
| Return on assets (ROA) | 0.0057% | 5,754 |
| Pretax return on assets | 0.1489% | 5,419 |
| Return on Equity (ROE) | 0.1282% | 5,735 |
| Retained earnings to average equity (ytd only) | -1.7126% | 5,660 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3780% | 5,481 |
| Assets per employee ($millions) | 9.4759% | 313 |
| Cash dividends to net income (ytd only)* | 1,436.0619% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | 0.0000% | 8,041 |
| Total domestic deposits to total assets | 94.0526% | 52 |
| Equity capital to assets | 5.4969% | 7,918 |
| Core capital (leverage) ratio | 7.9618% | 6,426 |
| Tier 1 risk-based capital ratio | 30.6459% | 535 |
| Total risk-based capital ratio | 30.6459% | 591 |
| Memoranda: | ||
| Average total assets | $1,097,908,000 | 620 |
| Average earning assets | $937,247,500 | 660 |
| Average equity | $48,890,000 | 1,396 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1705% | 8,117 |
| Cost of funding earning assets | 0.5903% | 7,996 |
| Net interest margin | 1.5802% | 7,998 |
| Noninterest income to average assets | 2.4698% | 270 |
| Noninterest expense to average assets | 2.4197% | 6,403 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 0.3629% | 4,647 |
| Return on assets (ROA) | -0.3028% | 6,342 |
| Pretax return on assets | 0.3364% | 5,109 |
| Return on Equity (ROE) | -7.3338% | 6,836 |
| Retained earnings to average equity (ytd only) | -9.2866% | 6,797 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7393% | 5,962 |
| Assets per employee ($millions) | 9.0474% | 343 |
| Cash dividends to net income (ytd only)* | -26.6272% | 7,959 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 93.9728% | 59 |
| Equity capital to assets | 5.4463% | 8,011 |
| Core capital (leverage) ratio | 8.1697% | 6,032 |
| Tier 1 risk-based capital ratio | 30.2196% | 592 |
| Total risk-based capital ratio | 30.2196% | 652 |
| Memoranda: | ||
| Average total assets | $1,116,429,000 | 618 |
| Average earning assets | $937,103,330 | 670 |
| Average equity | $46,087,670 | 1,493 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2153% | 8,179 |
| Cost of funding earning assets | 0.6610% | 8,014 |
| Net interest margin | 1.5543% | 8,046 |
| Noninterest income to average assets | 2.4319% | 259 |
| Noninterest expense to average assets | 2.1631% | 6,972 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.4691% | 4,570 |
| Return on assets (ROA) | -0.2780% | 6,729 |
| Pretax return on assets | 0.3674% | 5,491 |
| Return on Equity (ROE) | -7.7848% | 7,224 |
| Retained earnings to average equity (ytd only) | -9.9261% | 7,102 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4965% | 6,624 |
| Assets per employee ($millions) | 10.6229% | 228 |
| Cash dividends to net income (ytd only)* | -27.5061% | 8,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 96.1347% | 14 |
| Equity capital to assets | 3.4205% | 8,189 |
| Core capital (leverage) ratio | 6.6491% | 7,820 |
| Tier 1 risk-based capital ratio | 23.1215% | 1,177 |
| Total risk-based capital ratio | 23.1215% | 1,287 |
| Memoranda: | ||
| Average total assets | $1,177,039,000 | 595 |
| Average earning assets | $958,603,000 | 656 |
| Average equity | $42,030,500 | 1,621 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9667% | 8,107 |
| Cost of funding earning assets | 1.4802% | 7,639 |
| Net interest margin | 2.4865% | 7,771 |
| Noninterest income to average assets | 2.1675% | 301 |
| Noninterest expense to average assets | 2.3965% | 6,406 |
| Loan and lease loss provision to assets | 0.4043% | 3,260 |
| Net operating income to assets | 0.7974% | 3,445 |
| Return on assets (ROA) | 0.7974% | 3,287 |
| Pretax return on assets | 1.3026% | 2,301 |
| Return on Equity (ROE) | 16.5954% | 686 |
| Retained earnings to average equity (ytd only) | 16.1739% | 64 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4024% | 6,624 |
| Assets per employee ($millions) | 10.4894% | 226 |
| Cash dividends to net income (ytd only)* | 2.5403% | 4,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 95.8255% | 8 |
| Equity capital to assets | 3.7245% | 8,257 |
| Core capital (leverage) ratio | 6.8878% | 7,770 |
| Tier 1 risk-based capital ratio | 23.6273% | 1,126 |
| Total risk-based capital ratio | 23.6273% | 1,237 |
| Memoranda: | ||
| Average total assets | $1,135,474,000 | 585 |
| Average earning assets | $884,077,800 | 680 |
| Average equity | $54,557,200 | 1,235 |
| Average total loans | NA | NA |