| 2023-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.9599% | 123 |
| Cost of funding earning assets | 0.1655% | 4,456 |
| Net interest margin | 7.7944% | 36 |
| Noninterest income to average assets | 3.9700% | 149 |
| Noninterest expense to average assets | 3.1293% | 914 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 5.3413% | 69 |
| Return on assets (ROA) | 5.3413% | 70 |
| Pretax return on assets | 6.5950% | 69 |
| Return on Equity (ROE) | 5.6600% | 3,596 |
| Retained earnings to average equity (ytd only) | 5.6585% | 2,367 |
| 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 | 32.1803% | 4,483 |
| Assets per employee ($millions) | NA | NA |
| 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 | 4.9100% | 4,520 |
| Equity capital to assets | 94.2158% | 64 |
| Core capital (leverage) ratio | 96.5576% | 22 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: |
| Average total assets | $9,810,400 | 4,566 |
| Average earning assets | $7,248,800 | 4,530 |
| Average equity | $9,260,400 | 3,793 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.8653% | 119 |
| Cost of funding earning assets | 0.1397% | 4,485 |
| Net interest margin | 7.7255% | 34 |
| Noninterest income to average assets | 4.0800% | 152 |
| Noninterest expense to average assets | 3.3754% | 651 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 5.0493% | 78 |
| Return on assets (ROA) | 5.0493% | 77 |
| Pretax return on assets | 6.0098% | 78 |
| Return on Equity (ROE) | 5.3500% | 3,756 |
| Retained earnings to average equity (ytd only) | 5.3466% | 2,826 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 35.9649% | 4,446 |
| Assets per employee ($millions) | NA | NA |
| 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 | 5.0800% | 4,550 |
| Equity capital to assets | 94.5111% | 66 |
| Core capital (leverage) ratio | 96.8990% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: |
| Average total assets | $9,717,250 | 4,590 |
| Average earning assets | $6,679,000 | 4,559 |
| Average equity | $9,177,000 | 3,806 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.5253% | 93 |
| Cost of funding earning assets | 0.1375% | 4,489 |
| Net interest margin | 8.3878% | 33 |
| Noninterest income to average assets | 4.1500% | 142 |
| Noninterest expense to average assets | 3.7615% | 417 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 4.0508% | 97 |
| Return on assets (ROA) | 4.0508% | 98 |
| Pretax return on assets | 5.4356% | 84 |
| Return on Equity (ROE) | 4.2900% | 3,987 |
| Retained earnings to average equity (ytd only) | 4.2904% | 3,132 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 40.8989% | 4,366 |
| Assets per employee ($millions) | NA | NA |
| 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 | 5.1200% | 4,575 |
| Equity capital to assets | 94.3881% | 66 |
| Core capital (leverage) ratio | 95.5391% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: |
| Average total assets | $9,677,000 | 4,614 |
| Average earning assets | $5,818,000 | 4,588 |
| Average equity | $9,136,667 | 3,834 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.4696% | 47 |
| Cost of funding earning assets | 0.1377% | 4,479 |
| Net interest margin | 8.3319% | 27 |
| Noninterest income to average assets | 4.0300% | 147 |
| Noninterest expense to average assets | 3.8202% | 403 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 3.9032% | 103 |
| Return on assets (ROA) | 3.9032% | 103 |
| Pretax return on assets | 5.2320% | 90 |
| Return on Equity (ROE) | 4.1300% | 4,017 |
| Retained earnings to average equity (ytd only) | 4.1335% | 3,233 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 42.2018% | 4,384 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 5.1600% | 4,617 |
| Equity capital to assets | 94.3986% | 21 |
| Core capital (leverage) ratio | 95.2351% | 27 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: |
| Average total assets | $9,633,000 | 4,677 |
| Average earning assets | $5,809,000 | 4,659 |
| Average equity | $9,096,500 | 3,885 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.6513% | 61 |
| Cost of funding earning assets | 0.0859% | 4,451 |
| Net interest margin | 6.5654% | 39 |
| Noninterest income to average assets | 4.5700% | 136 |
| Noninterest expense to average assets | 2.5260% | 2,035 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 5.0775% | 65 |
| Return on assets (ROA) | 3.9009% | 77 |
| Pretax return on assets | 4.7003% | 79 |
| Return on Equity (ROE) | 4.1300% | 4,144 |
| Retained earnings to average equity (ytd only) | 4.1315% | 3,354 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 29.2232% | 4,661 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 5.2200% | 4,648 |
| Equity capital to assets | 94.4630% | 21 |
| Core capital (leverage) ratio | 96.0925% | 23 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: |
| Average total assets | $9,382,400 | 4,710 |
| Average earning assets | $5,818,400 | 4,690 |
| Average equity | $8,858,800 | 4,004 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1548% | 71 |
| Cost of funding earning assets | 0.0686% | 4,483 |
| Net interest margin | 6.0862% | 46 |
| Noninterest income to average assets | 4.6700% | 139 |
| Noninterest expense to average assets | 2.8423% | 1,164 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 5.0027% | 68 |
| Return on assets (ROA) | 3.2993% | 96 |
| Pretax return on assets | 3.7135% | 98 |
| Return on Equity (ROE) | 3.4900% | 4,228 |
| Retained earnings to average equity (ytd only) | 3.4947% | 3,623 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 33.5582% | 4,670 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) |
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 5.3200% | 4,694 |
| Equity capital to assets | 94.3717% | 24 |
| Core capital (leverage) ratio | 95.1496% | 28 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: |
| Average total assets | $9,335,000 | 4,749 |
| Average earning assets | $5,827,250 | 4,730 |
| Average equity | $8,813,000 | 4,057 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.7918% | 81 |
| Cost of funding earning assets | 0.0341% | 4,676 |
| Net interest margin | 5.7578% | 58 |
| Noninterest income to average assets | 4.6383% | 106 |
| Noninterest expense to average assets | 2.6628% | 1,476 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 4.2149% | 40 |
| Return on assets (ROA) | 3.6720% | 47 |
| Pretax return on assets | 4.9175% | 41 |
| Return on Equity (ROE) | 3.8890% | 4,055 |
| Retained earnings to average equity (ytd only) | 3.8890% | 3,123 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 32.2078% | 4,700 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 5.3277% | 4,757 |
| Equity capital to assets | 94.4060% | 7 |
| Core capital (leverage) ratio | 95.1389% | 15 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $9,313,667 | 4,775 |
| Average earning assets | $5,870,333 | 4,765 |
| Average equity | $8,794,000 | 4,123 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6419% | 84 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 5.6419% | 62 |
| Noninterest income to average assets | 4.5700% | 109 |
| Noninterest expense to average assets | 2.4574% | 1,994 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 4.2250% | 49 |
| Return on assets (ROA) | 4.2250% | 47 |
| Pretax return on assets | 5.6909% | 39 |
| Return on Equity (ROE) | 4.4744% | 3,767 |
| Retained earnings to average equity (ytd only) | 4.4744% | 2,789 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.1587% | 4,741 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 5.3683% | 4,783 |
| Equity capital to assets | 94.3955% | 6 |
| Core capital (leverage) ratio | 94.9371% | 10 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $9,278,000 | 4,800 |
| Average earning assets | $5,884,500 | 4,791 |
| Average equity | $8,761,000 | 4,178 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.3844% | 153 |
| Cost of funding earning assets | 0.0511% | 4,683 |
| Net interest margin | 5.3333% | 98 |
| Noninterest income to average assets | 4.7496% | 116 |
| Noninterest expense to average assets | 0.8454% | 4,783 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 5.8552% | 35 |
| Return on assets (ROA) | 6.3736% | 34 |
| Pretax return on assets | 8.0421% | 33 |
| Return on Equity (ROE) | 6.7698% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.7698% | 2,010 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.2703% | 4,833 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 5.4101% | 4,827 |
| Equity capital to assets | 94.4601% | 5 |
| Core capital (leverage) ratio | 94.7883% | 6 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $8,990,200 | 4,843 |
| Average earning assets | $5,868,800 | 4,834 |
| Average equity | $8,464,000 | 4,295 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.2770% | 199 |
| Cost of funding earning assets | 0.0455% | 4,798 |
| Net interest margin | 5.2315% | 116 |
| Noninterest income to average assets | 4.8091% | 119 |
| Noninterest expense to average assets | 0.8364% | 4,862 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 5.9772% | 40 |
| Return on assets (ROA) | 6.6910% | 32 |
| Pretax return on assets | 8.2890% | 34 |
| Return on Equity (ROE) | 7.1131% | 3,641 |
| Retained earnings to average equity (ytd only) | 7.1131% | 2,372 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 10.1449% | 4,910 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 5.4801% | 4,902 |
| Equity capital to assets | 94.3555% | 7 |
| Core capital (leverage) ratio | 94.7705% | 11 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $8,927,250 | 4,918 |
| Average earning assets | $5,861,750 | 4,909 |
| Average equity | $8,397,500 | 4,361 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.5033% | 171 |
| Cost of funding earning assets | 0.0684% | 4,753 |
| Net interest margin | 5.4350% | 107 |
| Noninterest income to average assets | 4.8298% | 119 |
| Noninterest expense to average assets | 0.8125% | 4,904 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 5.6396% | 45 |
| Return on assets (ROA) | 6.1388% | 41 |
| Pretax return on assets | 8.2377% | 38 |
| Return on Equity (ROE) | 6.5330% | 3,774 |
| Retained earnings to average equity (ytd only) | 6.5330% | 2,610 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.6515% | 4,948 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 5.5667% | 4,939 |
| Equity capital to assets | 94.0882% | 6 |
| Core capital (leverage) ratio | 94.1492% | 13 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $8,861,667 | 4,955 |
| Average earning assets | $5,851,000 | 4,946 |
| Average equity | $8,327,000 | 4,390 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6136% | 170 |
| Cost of funding earning assets | 0.0685% | 4,799 |
| Net interest margin | 5.5451% | 99 |
| Noninterest income to average assets | 4.5901% | 129 |
| Noninterest expense to average assets | 0.8180% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 5.4936% | 53 |
| Return on assets (ROA) | 6.4989% | 44 |
| Pretax return on assets | 8.7258% | 38 |
| Return on Equity (ROE) | 6.9208% | 3,623 |
| Retained earnings to average equity (ytd only) | 6.9208% | 2,598 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.8901% | 4,970 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 5.6484% | 4,968 |
| Equity capital to assets | 94.0014% | 7 |
| Core capital (leverage) ratio | 93.9792% | 12 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $8,801,500 | 4,981 |
| Average earning assets | $5,843,000 | 4,972 |
| Average equity | $8,265,000 | 4,412 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.0822% | 83 |
| Cost of funding earning assets | 0.1573% | 4,707 |
| Net interest margin | 5.9249% | 46 |
| Noninterest income to average assets | 4.8139% | 117 |
| Noninterest expense to average assets | 1.2064% | 4,898 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 6.0316% | 37 |
| Return on assets (ROA) | 6.9193% | 32 |
| Pretax return on assets | 8.7408% | 29 |
| Return on Equity (ROE) | 7.3981% | 3,033 |
| Retained earnings to average equity (ytd only) | 7.3981% | 1,238 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 13.6729% | 4,993 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 5.7136% | 4,989 |
| Equity capital to assets | 93.8064% | 6 |
| Core capital (leverage) ratio | 93.6639% | 9 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $8,454,600 | 5,004 |
| Average earning assets | $5,721,600 | 4,995 |
| Average equity | $7,907,400 | 4,433 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.1363% | 87 |
| Cost of funding earning assets | 0.1639% | 4,769 |
| Net interest margin | 5.9724% | 48 |
| Noninterest income to average assets | 4.8524% | 116 |
| Noninterest expense to average assets | 1.3046% | 4,906 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 6.1742% | 39 |
| Return on assets (ROA) | 6.5866% | 31 |
| Pretax return on assets | 8.1139% | 33 |
| Return on Equity (ROE) | 7.0478% | 3,176 |
| Retained earnings to average equity (ytd only) | 7.0478% | 1,670 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.6429% | 5,025 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 5.7971% | 5,021 |
| Equity capital to assets | 93.5420% | 7 |
| Core capital (leverage) ratio | 93.1227% | 11 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $8,380,500 | 5,036 |
| Average earning assets | $5,692,750 | 5,026 |
| Average equity | $7,832,000 | 4,463 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2533% | 109 |
| Cost of funding earning assets | 0.2120% | 4,734 |
| Net interest margin | 6.0413% | 64 |
| Noninterest income to average assets | 4.7717% | 110 |
| Noninterest expense to average assets | 1.3255% | 4,937 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 5.6392% | 33 |
| Return on assets (ROA) | 5.6392% | 32 |
| Pretax return on assets | 7.5672% | 28 |
| Return on Equity (ROE) | 6.0361% | 3,495 |
| Retained earnings to average equity (ytd only) | 6.0361% | 2,065 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.9051% | 5,056 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 5.9011% | 5,052 |
| Equity capital to assets | 93.3672% | 8 |
| Core capital (leverage) ratio | 92.7104% | 12 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $8,299,000 | 5,070 |
| Average earning assets | $5,661,000 | 5,059 |
| Average equity | $7,753,333 | 4,490 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 6.2606% | 113 |
| Cost of funding earning assets | 0.2134% | 4,861 |
| Net interest margin | 6.0471% | 56 |
| Noninterest income to average assets | 4.7735% | 97 |
| Noninterest expense to average assets | 1.6074% | 4,851 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 5.4554% | 29 |
| Return on assets (ROA) | 5.4554% | 29 |
| Pretax return on assets | 7.3064% | 27 |
| Return on Equity (ROE) | 5.8375% | 3,374 |
| Retained earnings to average equity (ytd only) | 5.8375% | 1,941 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.0328% | 5,095 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 6.0321% | 5,100 |
| Equity capital to assets | 93.4491% | 11 |
| Core capital (leverage) ratio | 92.7449% | 17 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: |
| Average total assets | $8,212,000 | 5,120 |
| Average earning assets | $5,622,500 | 5,109 |
| Average equity | $7,674,500 | 4,527 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.4445% | 57 |
| Cost of funding earning assets | 0.2532% | 4,843 |
| Net interest margin | 7.1913% | 36 |
| Noninterest income to average assets | 5.8010% | 87 |
| Noninterest expense to average assets | 1.8999% | 4,662 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 5.9023% | 29 |
| Return on assets (ROA) | 5.9023% | 32 |
| Pretax return on assets | 7.4982% | 33 |
| Return on Equity (ROE) | 6.3410% | 3,803 |
| Retained earnings to average equity (ytd only) | 6.3410% | 1,698 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.2156% | 5,157 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 6.1463% | 5,159 |
| Equity capital to assets | 93.4604% | 11 |
| Core capital (leverage) ratio | 93.3802% | 12 |
| Tier 1 risk-based capital ratio | 467.8814% | 8 |
| Total risk-based capital ratio | 467.8814% | 8 |
| Memoranda: |
| Average total assets | $7,895,200 | 5,183 |
| Average earning assets | $3,949,200 | 5,171 |
| Average equity | $7,349,000 | 4,595 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 7.8718% | 46 |
| Cost of funding earning assets | 0.2636% | 4,893 |
| Net interest margin | 7.6082% | 32 |
| Noninterest income to average assets | 5.9388% | 86 |
| Noninterest expense to average assets | 1.9569% | 4,632 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 5.9559% | 28 |
| Return on assets (ROA) | 5.9559% | 30 |
| Pretax return on assets | 7.4193% | 31 |
| Return on Equity (ROE) | 6.4053% | 3,918 |
| Retained earnings to average equity (ytd only) | 6.4053% | 2,172 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.8711% | 5,235 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 6.2012% | 5,241 |
| Equity capital to assets | 93.0299% | 9 |
| Core capital (leverage) ratio | 93.0050% | 14 |
| Tier 1 risk-based capital ratio | 458.1695% | 8 |
| Total risk-based capital ratio | 458.1695% | 8 |
| Memoranda: |
| Average total assets | $7,835,250 | 5,261 |
| Average earning assets | $3,540,000 | 5,251 |
| Average equity | $7,285,500 | 4,657 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 8.3907% | 41 |
| Cost of funding earning assets | 0.2505% | 4,958 |
| Net interest margin | 8.1403% | 28 |
| Noninterest income to average assets | 6.0314% | 81 |
| Noninterest expense to average assets | 1.9074% | 4,735 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 5.5675% | 30 |
| Return on assets (ROA) | 5.5675% | 32 |
| Pretax return on assets | 7.4749% | 31 |
| Return on Equity (ROE) | 5.9886% | 4,050 |
| Retained earnings to average equity (ytd only) | 5.9886% | 2,288 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.3297% | 5,280 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 6.3235% | 5,288 |
| Equity capital to assets | 92.8038% | 8 |
| Core capital (leverage) ratio | 93.1413% | 14 |
| Tier 1 risk-based capital ratio | 448.7715% | 6 |
| Total risk-based capital ratio | 448.7715% | 6 |
| Memoranda: |
| Average total assets | $7,759,330 | 5,308 |
| Average earning assets | $3,194,000 | 5,299 |
| Average equity | $7,213,670 | 4,692 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.1013% | 31 |
| Cost of funding earning assets | 0.3034% | 4,837 |
| Net interest margin | 8.7979% | 24 |
| Noninterest income to average assets | 5.9333% | 80 |
| Noninterest expense to average assets | 1.9257% | 4,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 5.2567% | 38 |
| Return on assets (ROA) | 5.2567% | 41 |
| Pretax return on assets | 7.0262% | 36 |
| Return on Equity (ROE) | 5.6492% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.6492% | 2,614 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.5116% | 5,341 |
| Assets per employee ($millions) | NA | NA |
| 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 | 6.4625% | 5,344 |
| Equity capital to assets | 93.0206% | 7 |
| Core capital (leverage) ratio | 93.4069% | 13 |
| Tier 1 risk-based capital ratio | 452.6415% | 6 |
| Total risk-based capital ratio | 452.6415% | 6 |
| Memoranda: |
| Average total assets | $7,685,500 | 5,366 |
| Average earning assets | $2,637,000 | 5,358 |
| Average equity | $7,151,500 | 4,733 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.6149% | 328 |
| Cost of funding earning assets | 0.1518% | 5,167 |
| Net interest margin | 5.4632% | 116 |
| Noninterest income to average assets | 6.0958% | 84 |
| Noninterest expense to average assets | 1.9243% | 4,859 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 5.2426% | 34 |
| Return on assets (ROA) | 5.1673% | 34 |
| Pretax return on assets | 6.4994% | 33 |
| Return on Equity (ROE) | 5.5593% | 4,305 |
| Retained earnings to average equity (ytd only) | 5.5593% | 2,450 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.5908% | 5,383 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 6.5496% | 5,388 |
| Equity capital to assets | 93.0836% | 11 |
| Core capital (leverage) ratio | 93.4631% | 14 |
| Tier 1 risk-based capital ratio | 455.2210% | 8 |
| Total risk-based capital ratio | 455.2210% | 8 |
| Memoranda: |
| Average total assets | $7,431,400 | 5,411 |
| Average earning assets | $3,294,800 | 5,401 |
| Average equity | $6,907,400 | 4,763 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 4.6231% | 1,916 |
| Cost of funding earning assets | 0.1035% | 5,344 |
| Net interest margin | 4.5196% | 713 |
| Noninterest income to average assets | 5.9071% | 85 |
| Noninterest expense to average assets | 1.8426% | 4,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 5.0496% | 35 |
| Return on assets (ROA) | 4.9496% | 36 |
| Pretax return on assets | 6.3045% | 36 |
| Return on Equity (ROE) | 5.3271% | 4,471 |
| Retained earnings to average equity (ytd only) | 5.3271% | 3,042 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.2707% | 5,451 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 6.6498% | 5,461 |
| Equity capital to assets | 93.0443% | 9 |
| Core capital (leverage) ratio | 93.3547% | 14 |
| Tier 1 risk-based capital ratio | 455.1724% | 8 |
| Total risk-based capital ratio | 455.1724% | 8 |
| Memoranda: |
| Average total assets | $7,380,750 | 5,482 |
| Average earning assets | $3,864,500 | 5,471 |
| Average equity | $6,857,750 | 4,818 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.8074% | 4,331 |
| Cost of funding earning assets | 0.0423% | 5,501 |
| Net interest margin | 3.7651% | 2,696 |
| Noninterest income to average assets | 5.9716% | 84 |
| Noninterest expense to average assets | 1.7451% | 5,153 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 4.9627% | 35 |
| Return on assets (ROA) | 4.9627% | 35 |
| Pretax return on assets | 6.6533% | 35 |
| Return on Equity (ROE) | 5.3438% | 4,449 |
| Retained earnings to average equity (ytd only) | 5.3438% | 2,913 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.7792% | 5,516 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 6.7385% | 5,525 |
| Equity capital to assets | 93.0189% | 10 |
| Core capital (leverage) ratio | 93.0941% | 14 |
| Tier 1 risk-based capital ratio | 451.9974% | 9 |
| Total risk-based capital ratio | 451.9974% | 9 |
| Memoranda: |
| Average total assets | $7,334,670 | 5,546 |
| Average earning assets | $4,727,670 | 5,534 |
| Average equity | $6,811,670 | 4,877 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9578% | 5,394 |
| Cost of funding earning assets | 0.0629% | 5,527 |
| Net interest margin | 2.8949% | 5,038 |
| Noninterest income to average assets | 5.8146% | 87 |
| Noninterest expense to average assets | 1.6456% | 5,295 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 4.9918% | 38 |
| Return on assets (ROA) | 4.9918% | 38 |
| Pretax return on assets | 6.6923% | 37 |
| Return on Equity (ROE) | 5.3794% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.3794% | 3,002 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 19.7368% | 5,590 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | 0.0000% | 5,567 |
| Total domestic deposits to total assets | 6.7981% | 5,590 |
| Equity capital to assets | 92.6037% | 9 |
| Core capital (leverage) ratio | 93.1228% | 14 |
| Tier 1 risk-based capital ratio | 447.7975% | 8 |
| Total risk-based capital ratio | 447.7975% | 8 |
| Memoranda: |
| Average total assets | $7,292,000 | 5,610 |
| Average earning assets | $6,356,000 | 5,596 |
| Average equity | $6,766,500 | 4,935 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3073% | 5,583 |
| Cost of funding earning assets | 0.0302% | 5,631 |
| Net interest margin | 2.2772% | 5,512 |
| Noninterest income to average assets | 6.2907% | 89 |
| Noninterest expense to average assets | 1.8618% | 5,173 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 4.4994% | 38 |
| Return on assets (ROA) | 4.4994% | 38 |
| Pretax return on assets | 6.5587% | 30 |
| Return on Equity (ROE) | 4.8655% | 4,216 |
| Retained earnings to average equity (ytd only) | 4.8655% | 2,213 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.1106% | 5,644 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 6.9166% | 5,654 |
| Equity capital to assets | 92.9866% | 9 |
| Core capital (leverage) ratio | 93.2704% | 10 |
| Tier 1 risk-based capital ratio | 447.5366% | 9 |
| Total risk-based capital ratio | 447.5366% | 9 |
| Memoranda: |
| Average total assets | $7,089,800 | 5,675 |
| Average earning assets | $6,631,000 | 5,661 |
| Average equity | $6,556,400 | 5,013 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1687% | 5,666 |
| Cost of funding earning assets | 0.0198% | 5,708 |
| Net interest margin | 2.1489% | 5,614 |
| Noninterest income to average assets | 6.3121% | 91 |
| Noninterest expense to average assets | 2.1922% | 4,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 4.3089% | 47 |
| Return on assets (ROA) | 4.3089% | 47 |
| Pretax return on assets | 6.1609% | 38 |
| Return on Equity (ROE) | 4.6660% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.6660% | 3,103 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 26.2443% | 5,706 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 6.9920% | 5,720 |
| Equity capital to assets | 92.7423% | 10 |
| Core capital (leverage) ratio | 93.0938% | 12 |
| Tier 1 risk-based capital ratio | 529.2897% | 4 |
| Total risk-based capital ratio | 529.2897% | 4 |
| Memoranda: |
| Average total assets | $7,055,000 | 5,741 |
| Average earning assets | $6,701,250 | 5,726 |
| Average equity | $6,515,000 | 5,075 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1601% | 5,717 |
| Cost of funding earning assets | 0.0300% | 5,744 |
| Net interest margin | 2.1301% | 5,665 |
| Noninterest income to average assets | 6.3221% | 92 |
| Noninterest expense to average assets | 2.0789% | 4,811 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 4.1008% | 53 |
| Return on assets (ROA) | 4.1008% | 53 |
| Pretax return on assets | 6.2651% | 38 |
| Return on Equity (ROE) | 4.4472% | 4,680 |
| Retained earnings to average equity (ytd only) | 4.4472% | 3,066 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.9147% | 5,755 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 7.0038% | 5,771 |
| Equity capital to assets | 91.7215% | 9 |
| Core capital (leverage) ratio | 92.3424% | 14 |
| Tier 1 risk-based capital ratio | 573.3800% | 4 |
| Total risk-based capital ratio | 573.3800% | 4 |
| Memoranda: |
| Average total assets | $7,023,000 | 5,791 |
| Average earning assets | $6,666,330 | 5,775 |
| Average equity | $6,476,000 | 5,109 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1164% | 5,786 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 2.1164% | 5,732 |
| Noninterest income to average assets | 6.0876% | 96 |
| Noninterest expense to average assets | 2.0101% | 5,033 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 4.0201% | 55 |
| Return on assets (ROA) | 4.0201% | 54 |
| Pretax return on assets | 6.0876% | 42 |
| Return on Equity (ROE) | 4.3478% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.3478% | 3,248 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.8227% | 5,821 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 7.1276% | 5,838 |
| Equity capital to assets | 92.3022% | 9 |
| Core capital (leverage) ratio | 92.7650% | 13 |
| Tier 1 risk-based capital ratio | 542.7494% | 5 |
| Total risk-based capital ratio | 542.7494% | 5 |
| Memoranda: |
| Average total assets | $6,965,000 | 5,859 |
| Average earning assets | $6,615,000 | 5,843 |
| Average equity | $6,440,000 | 5,162 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2295% | 5,818 |
| Cost of funding earning assets | 0.0372% | 5,855 |
| Net interest margin | 2.1923% | 5,753 |
| Noninterest income to average assets | 7.1196% | 83 |
| Noninterest expense to average assets | 1.8798% | 5,389 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 4.7365% | 37 |
| Return on assets (ROA) | 4.7365% | 38 |
| Pretax return on assets | 6.9864% | 33 |
| Return on Equity (ROE) | 5.1248% | 4,364 |
| Retained earnings to average equity (ytd only) | 5.1248% | 2,263 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.2020% | 5,894 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 7.2307% | 5,896 |
| Equity capital to assets | 92.6247% | 10 |
| Core capital (leverage) ratio | 92.8665% | 11 |
| Tier 1 risk-based capital ratio | 538.6880% | 3 |
| Total risk-based capital ratio | 538.6880% | 3 |
| Memoranda: |
| Average total assets | $6,756,000 | 5,916 |
| Average earning assets | $5,382,400 | 5,903 |
| Average equity | $6,244,200 | 5,241 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2534% | 5,879 |
| Cost of funding earning assets | 0.0261% | 5,931 |
| Net interest margin | 2.2273% | 5,806 |
| Noninterest income to average assets | 7.2063% | 84 |
| Noninterest expense to average assets | 1.8859% | 5,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 4.8042% | 35 |
| Return on assets (ROA) | 4.8042% | 36 |
| Pretax return on assets | 7.0078% | 37 |
| Return on Equity (ROE) | 5.2008% | 4,434 |
| Retained earnings to average equity (ytd only) | 5.2008% | 2,697 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.2054% | 5,962 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 7.3035% | 5,964 |
| Equity capital to assets | 92.4335% | 9 |
| Core capital (leverage) ratio | 92.7723% | 12 |
| Tier 1 risk-based capital ratio | 443.7588% | 7 |
| Total risk-based capital ratio | 443.7588% | 7 |
| Memoranda: |
| Average total assets | $6,716,250 | 5,981 |
| Average earning assets | $5,088,250 | 5,970 |
| Average equity | $6,204,000 | 5,299 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.3775% | 24 |
| Cost of funding earning assets | 0.1645% | 5,464 |
| Net interest margin | 9.2130% | 22 |
| Noninterest income to average assets | 7.2831% | 82 |
| Noninterest expense to average assets | 1.7983% | 5,599 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 4.7055% | 39 |
| Return on assets (ROA) | 4.7055% | 39 |
| Pretax return on assets | 7.1632% | 31 |
| Return on Equity (ROE) | 5.0952% | 4,470 |
| Retained earnings to average equity (ytd only) | 5.0952% | 2,664 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.0669% | 6,041 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 7.4019% | 6,041 |
| Equity capital to assets | 92.4056% | 9 |
| Core capital (leverage) ratio | 92.7213% | 11 |
| Tier 1 risk-based capital ratio | 445.2211% | 7 |
| Total risk-based capital ratio | 445.2211% | 7 |
| Memoranda: |
| Average total assets | $6,673,000 | 6,059 |
| Average earning assets | $1,215,670 | 6,057 |
| Average equity | $6,162,670 | 5,356 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 9.5434% | 26 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 9.5434% | 19 |
| Noninterest income to average assets | 6.9964% | 86 |
| Noninterest expense to average assets | 1.8094% | 5,640 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 4.5235% | 49 |
| Return on assets (ROA) | 4.5235% | 47 |
| Pretax return on assets | 6.9361% | 37 |
| Return on Equity (ROE) | 4.8996% | 4,531 |
| Retained earnings to average equity (ytd only) | 4.8996% | 3,002 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.6897% | 6,101 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 7.4929% | 6,107 |
| Equity capital to assets | 92.3273% | 11 |
| Core capital (leverage) ratio | 92.5214% | 12 |
| Tier 1 risk-based capital ratio | 445.8032% | 7 |
| Total risk-based capital ratio | 445.8032% | 7 |
| Memoranda: |
| Average total assets | $6,632,000 | 6,123 |
| Average earning assets | $1,215,500 | 6,121 |
| Average equity | $6,123,000 | 5,397 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.8199% | 165 |
| Cost of funding earning assets | 0.1130% | 5,912 |
| Net interest margin | 5.7069% | 93 |
| Noninterest income to average assets | 7.8106% | 80 |
| Noninterest expense to average assets | 1.6648% | 5,876 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 5.1344% | 42 |
| Return on assets (ROA) | 5.1344% | 41 |
| Pretax return on assets | 7.7172% | 31 |
| Return on Equity (ROE) | 5.5768% | 4,246 |
| Retained earnings to average equity (ytd only) | 5.5768% | 2,033 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.7446% | 6,168 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 7.5861% | 6,167 |
| Equity capital to assets | 92.3229% | 8 |
| Core capital (leverage) ratio | 92.4210% | 9 |
| Tier 1 risk-based capital ratio | 448.0854% | 8 |
| Total risk-based capital ratio | 448.0854% | 8 |
| Memoranda: |
| Average total assets | $6,427,200 | 6,183 |
| Average earning assets | $1,769,800 | 6,181 |
| Average equity | $5,917,400 | 5,455 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.1688% | 459 |
| Cost of funding earning assets | 0.0697% | 6,155 |
| Net interest margin | 5.0991% | 208 |
| Noninterest income to average assets | 7.9126% | 83 |
| Noninterest expense to average assets | 1.8999% | 5,637 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 5.0524% | 46 |
| Return on assets (ROA) | 5.0524% | 46 |
| Pretax return on assets | 7.5368% | 33 |
| Return on Equity (ROE) | 5.4916% | 4,414 |
| Retained earnings to average equity (ytd only) | 5.4916% | 2,586 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.1327% | 6,253 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 7.6628% | 6,252 |
| Equity capital to assets | 91.9234% | 10 |
| Core capital (leverage) ratio | 92.4333% | 12 |
| Tier 1 risk-based capital ratio | 445.6166% | 9 |
| Total risk-based capital ratio | 445.6166% | 9 |
| Memoranda: |
| Average total assets | $6,386,250 | 6,272 |
| Average earning assets | $1,908,750 | 6,269 |
| Average equity | $5,875,500 | 5,531 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0693% | 538 |
| Cost of funding earning assets | 0.1014% | 6,128 |
| Net interest margin | 4.9679% | 264 |
| Noninterest income to average assets | 7.7918% | 92 |
| Noninterest expense to average assets | 1.7666% | 5,896 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 4.9527% | 48 |
| Return on assets (ROA) | 4.9527% | 48 |
| Pretax return on assets | 7.5710% | 37 |
| Return on Equity (ROE) | 5.3816% | 4,436 |
| Retained earnings to average equity (ytd only) | 5.3816% | 2,616 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.9189% | 6,330 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 7.7857% | 6,326 |
| Equity capital to assets | 92.0897% | 8 |
| Core capital (leverage) ratio | 92.3918% | 12 |
| Tier 1 risk-based capital ratio | 444.3276% | 8 |
| Total risk-based capital ratio | 444.3276% | 8 |
| Memoranda: |
| Average total assets | $6,340,000 | 6,350 |
| Average earning assets | $1,972,670 | 6,345 |
| Average equity | $5,834,670 | 5,594 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 5.0659% | 513 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 5.0659% | 221 |
| Noninterest income to average assets | 7.4933% | 94 |
| Noninterest expense to average assets | 1.5876% | 6,124 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 4.8897% | 45 |
| Return on assets (ROA) | 4.8897% | 46 |
| Pretax return on assets | 7.4933% | 40 |
| Return on Equity (ROE) | 5.3149% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.3149% | 2,878 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.4825% | 6,399 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 7.8852% | 6,398 |
| Equity capital to assets | 92.0044% | 8 |
| Core capital (leverage) ratio | 92.1776% | 11 |
| Tier 1 risk-based capital ratio | 445.9480% | 7 |
| Total risk-based capital ratio | 445.9480% | 7 |
| Memoranda: |
| Average total assets | $6,299,000 | 6,420 |
| Average earning assets | $1,974,000 | 6,416 |
| Average equity | $5,795,000 | 5,660 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8470% | 6,171 |
| Cost of funding earning assets | 0.0593% | 6,423 |
| Net interest margin | 2.7877% | 5,829 |
| Noninterest income to average assets | 7.4888% | 88 |
| Noninterest expense to average assets | 1.5534% | 6,269 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 4.9380% | 44 |
| Return on assets (ROA) | 4.9380% | 42 |
| Pretax return on assets | 7.4724% | 34 |
| Return on Equity (ROE) | 5.3919% | 4,463 |
| Retained earnings to average equity (ytd only) | 5.3919% | 2,333 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.2101% | 6,494 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 7.9911% | 6,489 |
| Equity capital to assets | 91.9930% | 9 |
| Core capital (leverage) ratio | 83.2032% | 20 |
| Tier 1 risk-based capital ratio | 446.8944% | 8 |
| Total risk-based capital ratio | 446.8944% | 8 |
| Memoranda: |
| Average total assets | $6,115,800 | 6,509 |
| Average earning assets | $3,372,000 | 6,504 |
| Average equity | $5,601,000 | 5,718 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.5080% | 6,409 |
| Cost of funding earning assets | 0.0357% | 6,532 |
| Net interest margin | 2.4723% | 6,251 |
| Noninterest income to average assets | 7.4334% | 89 |
| Noninterest expense to average assets | 1.6446% | 6,253 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 4.8460% | 49 |
| Return on assets (ROA) | 4.8460% | 49 |
| Pretax return on assets | 7.3019% | 37 |
| Return on Equity (ROE) | 5.2975% | 4,578 |
| Retained earnings to average equity (ytd only) | 5.2975% | 2,882 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.3824% | 6,575 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 8.0451% | 6,568 |
| Equity capital to assets | 91.3113% | 7 |
| Core capital (leverage) ratio | 91.8880% | 7 |
| Tier 1 risk-based capital ratio | 444.0532% | 7 |
| Total risk-based capital ratio | 444.0532% | 7 |
| Memoranda: |
| Average total assets | $6,080,500 | 6,589 |
| Average earning assets | $3,721,250 | 6,583 |
| Average equity | $5,562,250 | 5,785 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.3409% | 6,515 |
| Cost of funding earning assets | 0.0488% | 6,586 |
| Net interest margin | 2.2921% | 6,412 |
| Noninterest income to average assets | 7.4225% | 85 |
| Noninterest expense to average assets | 1.5905% | 6,367 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 4.8379% | 53 |
| Return on assets (ROA) | 4.8379% | 53 |
| Pretax return on assets | 7.3894% | 38 |
| Return on Equity (ROE) | 5.2854% | 4,540 |
| Retained earnings to average equity (ytd only) | 5.2854% | 2,775 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 17.7122% | 6,643 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 8.1806% | 6,635 |
| Equity capital to assets | 91.6067% | 8 |
| Core capital (leverage) ratio | 91.8471% | 6 |
| Tier 1 risk-based capital ratio | 439.1373% | 7 |
| Total risk-based capital ratio | 439.1373% | 7 |
| Memoranda: |
| Average total assets | $6,035,670 | 6,656 |
| Average earning assets | $4,101,000 | 6,649 |
| Average equity | $5,524,670 | 5,827 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1644% | 6,628 |
| Cost of funding earning assets | 0.0000% | 6,699 |
| Net interest margin | 2.1644% | 6,543 |
| Noninterest income to average assets | 7.1363% | 86 |
| Noninterest expense to average assets | 1.6007% | 6,427 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 4.6686% | 52 |
| Return on assets (ROA) | 4.6686% | 53 |
| Pretax return on assets | 7.1363% | 41 |
| Return on Equity (ROE) | 5.1025% | 4,498 |
| Retained earnings to average equity (ytd only) | 5.1025% | 3,060 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 18.3206% | 6,713 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 8.2864% | 6,705 |
| Equity capital to assets | 91.5313% | 12 |
| Core capital (leverage) ratio | 91.7927% | 9 |
| Tier 1 risk-based capital ratio | 439.1892% | 12 |
| Total risk-based capital ratio | 439.1892% | 12 |
| Memoranda: |
| Average total assets | $5,997,500 | 6,729 |
| Average earning assets | $4,435,500 | 6,721 |
| Average equity | $5,487,500 | 5,868 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.9015% | 6,717 |
| Cost of funding earning assets | 0.0427% | 6,755 |
| Net interest margin | 1.8588% | 6,676 |
| Noninterest income to average assets | 7.2081% | 88 |
| Noninterest expense to average assets | 1.4416% | 6,608 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 4.8569% | 49 |
| Return on assets (ROA) | 4.8569% | 48 |
| Pretax return on assets | 7.2596% | 37 |
| Return on Equity (ROE) | 5.3344% | 4,478 |
| Retained earnings to average equity (ytd only) | 5.3344% | 2,391 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.5680% | 6,795 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 8.3879% | 6,789 |
| Equity capital to assets | 91.4612% | 11 |
| Core capital (leverage) ratio | 91.6793% | 9 |
| Tier 1 risk-based capital ratio | 439.1304% | 11 |
| Total risk-based capital ratio | 439.1304% | 11 |
| Memoranda: |
| Average total assets | $5,826,800 | 6,812 |
| Average earning assets | $4,680,400 | 6,801 |
| Average equity | $5,305,200 | 5,983 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.8277% | 6,810 |
| Cost of funding earning assets | 0.0563% | 6,829 |
| Net interest margin | 1.7716% | 6,775 |
| Noninterest income to average assets | 7.1345% | 92 |
| Noninterest expense to average assets | 1.4268% | 6,679 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 4.7640% | 42 |
| Return on assets (ROA) | 4.7640% | 42 |
| Pretax return on assets | 7.1575% | 37 |
| Return on Equity (ROE) | 5.2385% | 4,602 |
| Retained earnings to average equity (ytd only) | 5.2385% | 2,906 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 16.6220% | 6,876 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 8.4331% | 6,868 |
| Equity capital to assets | 90.6561% | 9 |
| Core capital (leverage) ratio | 91.4315% | 7 |
| Tier 1 risk-based capital ratio | 438.3048% | 8 |
| Total risk-based capital ratio | 438.3048% | 8 |
| Memoranda: |
| Average total assets | $5,793,250 | 6,891 |
| Average earning assets | $4,741,500 | 6,879 |
| Average equity | $5,268,500 | 6,069 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7347% | 6,864 |
| Cost of funding earning assets | 0.0413% | 6,889 |
| Net interest margin | 1.6934% | 6,833 |
| Noninterest income to average assets | 6.8198% | 106 |
| Noninterest expense to average assets | 1.2874% | 6,797 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 4.3493% | 50 |
| Return on assets (ROA) | 4.3493% | 51 |
| Pretax return on assets | 6.9589% | 39 |
| Return on Equity (ROE) | 4.7774% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.7774% | 3,201 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 15.6118% | 6,923 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 8.6088% | 6,918 |
| Equity capital to assets | 91.0985% | 10 |
| Core capital (leverage) ratio | 91.3576% | 8 |
| Tier 1 risk-based capital ratio | 439.8671% | 9 |
| Total risk-based capital ratio | 439.8671% | 9 |
| Memoranda: |
| Average total assets | $5,748,000 | 6,941 |
| Average earning assets | $4,842,330 | 6,928 |
| Average equity | $5,233,000 | 6,118 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7485% | 6,944 |
| Cost of funding earning assets | 0.0833% | 6,932 |
| Net interest margin | 1.6653% | 6,914 |
| Noninterest income to average assets | 6.4358% | 107 |
| Noninterest expense to average assets | 1.1193% | 6,929 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 4.1973% | 55 |
| Return on assets (ROA) | 4.1973% | 59 |
| Pretax return on assets | 6.7156% | 46 |
| Return on Equity (ROE) | 4.6118% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.6118% | 3,471 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 14.2857% | 7,002 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 8.6987% | 6,993 |
| Equity capital to assets | 91.0578% | 11 |
| Core capital (leverage) ratio | 91.4961% | 9 |
| Tier 1 risk-based capital ratio | 440.1515% | 9 |
| Total risk-based capital ratio | 440.1515% | 9 |
| Memoranda: |
| Average total assets | $5,718,000 | 7,019 |
| Average earning assets | $4,804,000 | 7,006 |
| Average equity | $5,204,000 | 6,184 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.7353% | 7,010 |
| Cost of funding earning assets | 0.0605% | 7,024 |
| Net interest margin | 1.6747% | 6,979 |
| Noninterest income to average assets | 5.9247% | 118 |
| Noninterest expense to average assets | 1.8078% | 6,615 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 3.6694% | 71 |
| Return on assets (ROA) | 3.6694% | 71 |
| Pretax return on assets | 5.6025% | 50 |
| Return on Equity (ROE) | 4.0463% | 5,119 |
| Retained earnings to average equity (ytd only) | 4.0463% | 3,369 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 24.3961% | 7,039 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 8.7904% | 7,057 |
| Equity capital to assets | 90.9634% | 12 |
| Core capital (leverage) ratio | 91.0708% | 8 |
| Tier 1 risk-based capital ratio | 442.3439% | 11 |
| Total risk-based capital ratio | 442.3439% | 11 |
| Memoranda: |
| Average total assets | $5,586,800 | 7,084 |
| Average earning assets | $4,956,000 | 7,070 |
| Average equity | $5,066,400 | 6,273 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.6821% | 7,125 |
| Cost of funding earning assets | 0.0518% | 7,145 |
| Net interest margin | 1.6305% | 7,098 |
| Noninterest income to average assets | 5.7537% | 128 |
| Noninterest expense to average assets | 2.0138% | 6,330 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 3.5242% | 71 |
| Return on assets (ROA) | 3.5242% | 75 |
| Pretax return on assets | 5.2504% | 57 |
| Return on Equity (ROE) | 3.8893% | 5,332 |
| Retained earnings to average equity (ytd only) | 3.8893% | 4,151 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.7228% | 7,130 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 8.8496% | 7,162 |
| Equity capital to assets | 90.5487% | 11 |
| Core capital (leverage) ratio | 91.4490% | 9 |
| Tier 1 risk-based capital ratio | 436.1775% | 12 |
| Total risk-based capital ratio | 436.1775% | 12 |
| Memoranda: |
| Average total assets | $5,561,500 | 7,180 |
| Average earning assets | $5,151,750 | 7,166 |
| Average equity | $5,039,500 | 6,350 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 1.8911% | 7,184 |
| Cost of funding earning assets | 0.0788% | 7,194 |
| Net interest margin | 1.8123% | 7,150 |
| Noninterest income to average assets | 5.2784% | 130 |
| Noninterest expense to average assets | 2.0246% | 6,383 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 3.1092% | 95 |
| Return on assets (ROA) | 3.1092% | 96 |
| Pretax return on assets | 4.9168% | 61 |
| Return on Equity (ROE) | 3.4304% | 5,517 |
| Retained earnings to average equity (ytd only) | 3.4304% | 4,318 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.1667% | 7,182 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 8.9702% | 7,227 |
| Equity capital to assets | 90.6530% | 10 |
| Core capital (leverage) ratio | 87.9331% | 9 |
| Tier 1 risk-based capital ratio | 436.4736% | 8 |
| Total risk-based capital ratio | 436.4736% | 8 |
| Memoranda: |
| Average total assets | $5,532,000 | 7,244 |
| Average earning assets | $5,076,330 | 7,229 |
| Average equity | $5,014,000 | 6,389 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0086% | 7,236 |
| Cost of funding earning assets | 0.0803% | 7,260 |
| Net interest margin | 1.9283% | 7,181 |
| Noninterest income to average assets | 5.1533% | 132 |
| Noninterest expense to average assets | 1.8871% | 6,667 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 3.1210% | 95 |
| Return on assets (ROA) | 3.1210% | 111 |
| Pretax return on assets | 5.0082% | 60 |
| Return on Equity (ROE) | 3.4438% | 5,537 |
| Retained earnings to average equity (ytd only) | 3.4438% | 4,511 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.3684% | 7,246 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 9.0416% | 7,291 |
| Equity capital to assets | 90.6872% | 8 |
| Core capital (leverage) ratio | 90.8069% | 6 |
| Tier 1 risk-based capital ratio | 429.1345% | 7 |
| Total risk-based capital ratio | 429.1345% | 7 |
| Memoranda: |
| Average total assets | $5,511,000 | 7,307 |
| Average earning assets | $4,978,500 | 7,292 |
| Average equity | $4,994,500 | 6,429 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0419% | 7,281 |
| Cost of funding earning assets | 0.1053% | 7,304 |
| Net interest margin | 1.9367% | 7,232 |
| Noninterest income to average assets | 4.6686% | 134 |
| Noninterest expense to average assets | 1.9006% | 6,830 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 2.9156% | 93 |
| Return on assets (ROA) | 2.9156% | 94 |
| Pretax return on assets | 4.4656% | 66 |
| Return on Equity (ROE) | 3.2269% | 5,187 |
| Retained earnings to average equity (ytd only) | 3.2269% | 3,922 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.8551% | 7,297 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 9.1042% | 7,337 |
| Equity capital to assets | 90.5681% | 7 |
| Core capital (leverage) ratio | 90.4372% | 6 |
| Tier 1 risk-based capital ratio | 426.9132% | 7 |
| Total risk-based capital ratio | 426.9132% | 7 |
| Memoranda: |
| Average total assets | $5,419,200 | 7,356 |
| Average earning assets | $4,750,400 | 7,343 |
| Average equity | $4,896,400 | 6,479 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.0212% | 7,364 |
| Cost of funding earning assets | 0.1154% | 7,379 |
| Net interest margin | 1.9058% | 7,318 |
| Noninterest income to average assets | 4.5669% | 140 |
| Noninterest expense to average assets | 1.9008% | 6,847 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 2.8635% | 102 |
| Return on assets (ROA) | 2.8635% | 107 |
| Pretax return on assets | 4.2953% | 73 |
| Return on Equity (ROE) | 3.1712% | 5,354 |
| Retained earnings to average equity (ytd only) | 3.1712% | 4,443 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.6773% | 7,360 |
| Assets per employee ($millions) | 5.4560% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,401 |
| Net loans and leases to deposits | 0.0000% | 7,400 |
| Net loans and leases to core deposits | 0.0000% | 7,385 |
| Total domestic deposits to total assets | 9.1642% | 7,413 |
| Equity capital to assets | 90.4509% | 12 |
| Core capital (leverage) ratio | 90.5629% | 9 |
| Tier 1 risk-based capital ratio | 430.7087% | 9 |
| Total risk-based capital ratio | 430.7087% | 9 |
| Memoranda: |
| Average total assets | $5,401,000 | 7,434 |
| Average earning assets | $4,617,500 | 7,423 |
| Average equity | $4,877,000 | 6,535 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.1888% | 7,436 |
| Cost of funding earning assets | 0.1340% | 7,446 |
| Net interest margin | 2.0548% | 7,356 |
| Noninterest income to average assets | 4.4959% | 150 |
| Noninterest expense to average assets | 1.8950% | 6,958 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 2.7124% | 132 |
| Return on assets (ROA) | 2.7124% | 134 |
| Pretax return on assets | 4.3101% | 84 |
| Return on Equity (ROE) | 3.0056% | 5,388 |
| Retained earnings to average equity (ytd only) | 3.0056% | 4,366 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5389% | 7,436 |
| Assets per employee ($millions) | 5.4220% | 1,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 9.2217% | 7,489 |
| Equity capital to assets | 90.2435% | 13 |
| Core capital (leverage) ratio | 90.2200% | 11 |
| Tier 1 risk-based capital ratio | 426.9466% | 9 |
| Total risk-based capital ratio | 426.9466% | 9 |
| Memoranda: |
| Average total assets | $5,382,670 | 7,510 |
| Average earning assets | $4,477,330 | 7,499 |
| Average equity | $4,857,670 | 6,575 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.2996% | 7,497 |
| Cost of funding earning assets | 0.1703% | 7,497 |
| Net interest margin | 2.1292% | 7,381 |
| Noninterest income to average assets | 4.3259% | 151 |
| Noninterest expense to average assets | 1.8646% | 7,051 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 2.6851% | 145 |
| Return on assets (ROA) | 2.6851% | 151 |
| Pretax return on assets | 4.3259% | 93 |
| Return on Equity (ROE) | 2.9752% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.9752% | 4,383 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.1205% | 7,496 |
| Assets per employee ($millions) | 5.3790% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 9.2954% | 7,553 |
| Equity capital to assets | 90.2584% | 9 |
| Core capital (leverage) ratio | 90.1545% | 8 |
| Tier 1 risk-based capital ratio | 428.2935% | 7 |
| Total risk-based capital ratio | 428.2935% | 7 |
| Memoranda: |
| Average total assets | $5,363,000 | 7,571 |
| Average earning assets | $4,696,500 | 7,557 |
| Average equity | $4,840,000 | 6,608 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8187% | 7,515 |
| Cost of funding earning assets | 0.1462% | 7,568 |
| Net interest margin | 2.6726% | 7,142 |
| Noninterest income to average assets | 4.4196% | 156 |
| Noninterest expense to average assets | 1.9454% | 7,099 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 3.1919% | 67 |
| Return on assets (ROA) | 3.1919% | 68 |
| Pretax return on assets | 4.8918% | 51 |
| Return on Equity (ROE) | 3.5542% | 4,722 |
| Retained earnings to average equity (ytd only) | 3.5542% | 3,372 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.4530% | 7,592 |
| Assets per employee ($millions) | 5.3470% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 9.3510% | 7,632 |
| Equity capital to assets | 90.2375% | 13 |
| Core capital (leverage) ratio | 89.9532% | 13 |
| Tier 1 risk-based capital ratio | 428.5205% | 11 |
| Total risk-based capital ratio | 428.5205% | 11 |
| Memoranda: |
| Average total assets | $5,294,600 | 7,654 |
| Average earning assets | $4,789,400 | 7,642 |
| Average equity | $4,755,000 | 6,743 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.9049% | 7,635 |
| Cost of funding earning assets | 0.1676% | 7,683 |
| Net interest margin | 2.7373% | 7,192 |
| Noninterest income to average assets | 4.4179% | 156 |
| Noninterest expense to average assets | 1.9691% | 7,100 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 3.5090% | 53 |
| Return on assets (ROA) | 3.5090% | 58 |
| Pretax return on assets | 4.9227% | 53 |
| Return on Equity (ROE) | 3.9120% | 4,820 |
| Retained earnings to average equity (ytd only) | 3.9120% | 3,717 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5714% | 7,693 |
| Assets per employee ($millions) | 5.3410% | 1,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 9.3615% | 7,734 |
| Equity capital to assets | 89.9644% | 12 |
| Core capital (leverage) ratio | 89.7109% | 11 |
| Tier 1 risk-based capital ratio | 426.6071% | 13 |
| Total risk-based capital ratio | 426.6071% | 13 |
| Memoranda: |
| Average total assets | $5,281,500 | 7,757 |
| Average earning assets | $4,773,250 | 7,745 |
| Average equity | $4,737,500 | 6,831 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 2.8942% | 7,720 |
| Cost of funding earning assets | 0.1631% | 7,759 |
| Net interest margin | 2.7312% | 7,219 |
| Noninterest income to average assets | 4.0291% | 165 |
| Noninterest expense to average assets | 1.9005% | 7,263 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 2.9268% | 89 |
| Return on assets (ROA) | 2.9268% | 90 |
| Pretax return on assets | 4.6753% | 58 |
| Return on Equity (ROE) | 3.2662% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.2662% | 4,021 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.9017% | 7,756 |
| Assets per employee ($millions) | 5.3150% | 1,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 9.4073% | 7,801 |
| Equity capital to assets | 89.3697% | 16 |
| Core capital (leverage) ratio | 89.1958% | 14 |
| Tier 1 risk-based capital ratio | 417.9078% | 13 |
| Total risk-based capital ratio | 417.9078% | 13 |
| Memoranda: |
| Average total assets | $5,261,670 | 7,826 |
| Average earning assets | $4,906,330 | 7,814 |
| Average equity | $4,715,000 | 6,873 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0152% | 7,805 |
| Cost of funding earning assets | 0.1630% | 7,863 |
| Net interest margin | 2.8522% | 7,096 |
| Noninterest income to average assets | 4.1261% | 163 |
| Noninterest expense to average assets | 1.9102% | 7,315 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.0564% | 90 |
| Return on assets (ROA) | 3.0564% | 96 |
| Pretax return on assets | 4.8902% | 62 |
| Return on Equity (ROE) | 3.4061% | 5,165 |
| Retained earnings to average equity (ytd only) | 3.4061% | 4,117 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.0899% | 7,861 |
| Assets per employee ($millions) | 5.2540% | 1,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 9.5166% | 7,902 |
| Equity capital to assets | 89.7411% | 14 |
| Core capital (leverage) ratio | 89.0729% | 13 |
| Tier 1 risk-based capital ratio | 423.4389% | 10 |
| Total risk-based capital ratio | 423.4389% | 10 |
| Memoranda: |
| Average total assets | $5,235,000 | 7,930 |
| Average earning assets | $4,908,500 | 7,914 |
| Average equity | $4,697,500 | 6,948 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0355% | 7,878 |
| Cost of funding earning assets | 0.2319% | 7,930 |
| Net interest margin | 2.8037% | 7,054 |
| Noninterest income to average assets | 3.5045% | 196 |
| Noninterest expense to average assets | 1.8975% | 7,510 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 2.7300% | 70 |
| Return on assets (ROA) | 2.7300% | 74 |
| Pretax return on assets | 4.1822% | 52 |
| Return on Equity (ROE) | 3.0533% | 4,475 |
| Retained earnings to average equity (ytd only) | 3.0533% | 3,022 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.2102% | 7,930 |
| Assets per employee ($millions) | 5.2160% | 1,933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 9.5859% | 7,977 |
| Equity capital to assets | 89.7239% | 15 |
| Core capital (leverage) ratio | 88.8187% | 15 |
| Tier 1 risk-based capital ratio | 427.9520% | 8 |
| Total risk-based capital ratio | 427.9520% | 8 |
| Memoranda: |
| Average total assets | $5,164,800 | 8,009 |
| Average earning assets | $4,743,800 | 7,996 |
| Average equity | $4,618,000 | 7,073 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0065% | 7,982 |
| Cost of funding earning assets | 0.2553% | 8,016 |
| Net interest margin | 2.7513% | 7,131 |
| Noninterest income to average assets | 3.4938% | 185 |
| Noninterest expense to average assets | 1.8634% | 7,589 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.7432% | 77 |
| Return on assets (ROA) | 2.7432% | 85 |
| Pretax return on assets | 4.1407% | 47 |
| Return on Equity (ROE) | 3.0707% | 4,761 |
| Retained earnings to average equity (ytd only) | 3.0707% | 3,604 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 31.0345% | 8,005 |
| Assets per employee ($millions) | 5.1980% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,051 |
| Net loans and leases to deposits | 0.0000% | 8,051 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 9.6191% | 8,064 |
| Equity capital to assets | 89.5729% | 15 |
| Core capital (leverage) ratio | 89.0522% | 16 |
| Tier 1 risk-based capital ratio | 431.0861% | 10 |
| Total risk-based capital ratio | 431.0861% | 10 |
| Memoranda: |
| Average total assets | $5,152,000 | 8,093 |
| Average earning assets | $4,700,750 | 8,080 |
| Average equity | $4,602,500 | 7,145 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0299% | 8,075 |
| Cost of funding earning assets | 0.3030% | 8,100 |
| Net interest margin | 2.7269% | 7,147 |
| Noninterest income to average assets | 3.4653% | 184 |
| Noninterest expense to average assets | 1.7521% | 7,788 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.6087% | 92 |
| Return on assets (ROA) | 2.6087% | 103 |
| Pretax return on assets | 4.1661% | 51 |
| Return on Equity (ROE) | 2.9228% | 4,931 |
| Retained earnings to average equity (ytd only) | 2.9228% | 3,703 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.6053% | 8,107 |
| Assets per employee ($millions) | 5.1770% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 9.6581% | 8,160 |
| Equity capital to assets | 89.1250% | 16 |
| Core capital (leverage) ratio | 88.8802% | 17 |
| Tier 1 risk-based capital ratio | 421.4220% | 9 |
| Total risk-based capital ratio | 421.4220% | 9 |
| Memoranda: |
| Average total assets | $5,136,670 | 8,189 |
| Average earning assets | $4,620,670 | 8,174 |
| Average equity | $4,584,670 | 7,210 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.2218% | 8,122 |
| Cost of funding earning assets | 0.2685% | 8,163 |
| Net interest margin | 2.9534% | 6,604 |
| Noninterest income to average assets | 3.4399% | 186 |
| Noninterest expense to average assets | 1.7199% | 7,800 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.7362% | 86 |
| Return on assets (ROA) | 2.7362% | 109 |
| Pretax return on assets | 4.2998% | 54 |
| Return on Equity (ROE) | 3.0635% | 5,346 |
| Retained earnings to average equity (ytd only) | 3.0635% | 4,172 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.5714% | 8,158 |
| Assets per employee ($millions) | 5.1240% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 9.7580% | 8,212 |
| Equity capital to assets | 89.3833% | 13 |
| Core capital (leverage) ratio | 88.8279% | 15 |
| Tier 1 risk-based capital ratio | 425.1407% | 8 |
| Total risk-based capital ratio | 425.1407% | 8 |
| Memoranda: |
| Average total assets | $5,116,500 | 8,240 |
| Average earning assets | $4,469,500 | 8,226 |
| Average equity | $4,570,000 | 7,265 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) |
| Yield on earning assets | 3.0868% | 8,170 |
| Cost of funding earning assets | 0.3729% | 8,207 |
| Net interest margin | 2.7139% | 7,475 |
| Noninterest income to average assets | 3.4518% | 165 |
| Noninterest expense to average assets | 1.8331% | 7,712 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4080% | 1,210 |
| Return on assets (ROA) | 39.1006% | 6 |
| Pretax return on assets | 63.0680% | 5 |
| Return on Equity (ROE) | 49.0964% | 12 |
| Retained earnings to average equity (ytd only) | 49.0964% | 3 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 30.5195% | 8,231 |
| Assets per employee ($millions) | 5.1090% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) |
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 9.7867% | 8,265 |
| Equity capital to assets | 89.2543% | 13 |
| Core capital (leverage) ratio | 88.9966% | 17 |
| Tier 1 risk-based capital ratio | 421.8574% | 11 |
| Total risk-based capital ratio | 421.8574% | 11 |
| Memoranda: |
| Average total assets | $5,127,800 | 8,298 |
| Average earning assets | $4,827,000 | 8,281 |
| Average equity | $4,083,800 | 7,483 |
| Average total loans | NA | NA |
