Home > National Advisors Trust Company > Performance and Condition Ratios
National Advisors Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8901% | 2,298 |
| Cost of funding earning assets | 0.1137% | 4,477 |
| Net interest margin | 4.7764% | 431 |
| Noninterest income to average assets | 91.3200% | 31 |
| Noninterest expense to average assets | 66.8105% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 21.1648% | 21 |
| Return on assets (ROA) | 21.1648% | 22 |
| Pretax return on assets | 27.5458% | 23 |
| Return on Equity (ROE) | 27.0500% | 251 |
| Retained earnings to average equity (ytd only) | 27.0467% | 59 |
| 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 | 70.4457% | 1,821 |
| Assets per employee ($millions) | 0.3603% | 4,530 |
| 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 | 1.9500% | 4,528 |
| Equity capital to assets | 80.1900% | 102 |
| Core capital (leverage) ratio | 80.5315% | 53 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 310.8866% | 32 |
| Memoranda: | ||
| Average total assets | $23,491,800 | 4,510 |
| Average earning assets | $14,948,600 | 4,500 |
| Average equity | $18,383,000 | 2,984 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 3,914 |
| Cost of funding earning assets | 0.1056% | 4,507 |
| Net interest margin | 3.8481% | 1,497 |
| Noninterest income to average assets | 94.3300% | 31 |
| Noninterest expense to average assets | 67.8231% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 21.9827% | 21 |
| Return on assets (ROA) | 21.9827% | 21 |
| Pretax return on assets | 28.8381% | 20 |
| Return on Equity (ROE) | 28.2900% | 261 |
| Retained earnings to average equity (ytd only) | 28.2869% | 106 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 69.7994% | 1,809 |
| Assets per employee ($millions) | 0.3514% | 4,563 |
| 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 | 1.9800% | 4,562 |
| Equity capital to assets | 76.3239% | 110 |
| Core capital (leverage) ratio | 76.1788% | 61 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 273.6606% | 33 |
| Memoranda: | ||
| Average total assets | $22,969,000 | 4,539 |
| Average earning assets | $13,894,000 | 4,534 |
| Average equity | $17,850,000 | 3,014 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5277% | 4,608 |
| Cost of funding earning assets | 0.0810% | 4,528 |
| Net interest margin | 2.4467% | 4,265 |
| Noninterest income to average assets | 97.4700% | 27 |
| Noninterest expense to average assets | 66.4153% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 24.8032% | 19 |
| Return on assets (ROA) | 24.8032% | 19 |
| Pretax return on assets | 32.4190% | 19 |
| Return on Equity (ROE) | 31.7000% | 188 |
| Retained earnings to average equity (ytd only) | 31.7008% | 74 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.8247% | 2,130 |
| Assets per employee ($millions) | 0.3333% | 4,590 |
| 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 | 2.0800% | 4,582 |
| Equity capital to assets | 78.1862% | 103 |
| Core capital (leverage) ratio | 85.5653% | 49 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 219.7752% | 39 |
| Memoranda: | ||
| Average total assets | $22,190,667 | 4,569 |
| Average earning assets | $12,343,000 | 4,566 |
| Average equity | $17,362,333 | 3,073 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2517% | 4,666 |
| Cost of funding earning assets | 0.0391% | 4,591 |
| Net interest margin | 1.2126% | 4,651 |
| Noninterest income to average assets | 91.3500% | 31 |
| Noninterest expense to average assets | 68.5800% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 17.8308% | 28 |
| Return on assets (ROA) | 17.8308% | 29 |
| Pretax return on assets | 23.3548% | 27 |
| Return on Equity (ROE) | 22.7800% | 523 |
| Retained earnings to average equity (ytd only) | 22.7803% | 254 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 74.2285% | 1,318 |
| Assets per employee ($millions) | 0.3120% | 4,651 |
| 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 | 2.2900% | 4,624 |
| Equity capital to assets | 78.0266% | 62 |
| Core capital (leverage) ratio | 78.4898% | 56 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 247.8189% | 32 |
| Memoranda: | ||
| Average total assets | $21,289,000 | 4,630 |
| Average earning assets | $10,226,000 | 4,640 |
| Average equity | $16,663,500 | 3,158 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7112% | 4,638 |
| Cost of funding earning assets | 0.0428% | 4,587 |
| Net interest margin | 1.6684% | 4,611 |
| Noninterest income to average assets | 95.4500% | 29 |
| Noninterest expense to average assets | 77.0856% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 14.6025% | 34 |
| Return on assets (ROA) | 14.6025% | 34 |
| Pretax return on assets | 19.2390% | 34 |
| Return on Equity (ROE) | 17.1200% | 840 |
| Retained earnings to average equity (ytd only) | 17.1166% | 167 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 79.6350% | 744 |
| Assets per employee ($millions) | 0.3095% | 4,683 |
| 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 | 2.4100% | 4,657 |
| Equity capital to assets | 78.5322% | 63 |
| Core capital (leverage) ratio | 84.5209% | 50 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 227.1770% | 40 |
| Memoranda: | ||
| Average total assets | $17,750,400 | 4,679 |
| Average earning assets | $9,350,000 | 4,680 |
| Average equity | $15,143,200 | 3,354 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2897% | 4,680 |
| Cost of funding earning assets | 0.0425% | 4,606 |
| Net interest margin | 1.2472% | 4,671 |
| Noninterest income to average assets | 93.3700% | 30 |
| Noninterest expense to average assets | 80.0051% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 10.6407% | 44 |
| Return on assets (ROA) | 10.6407% | 41 |
| Pretax return on assets | 14.0595% | 41 |
| Return on Equity (ROE) | 12.1800% | 1,981 |
| Retained earnings to average equity (ytd only) | 12.1776% | 756 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 84.5615% | 515 |
| Assets per employee ($millions) | 0.2572% | 4,728 |
| 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 | 2.7000% | 4,698 |
| Equity capital to assets | 84.0130% | 51 |
| Core capital (leverage) ratio | 85.7054% | 52 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 253.6125% | 35 |
| Memoranda: | ||
| Average total assets | $17,003,500 | 4,718 |
| Average earning assets | $9,407,500 | 4,718 |
| Average equity | $14,857,500 | 3,419 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8838% | 4,742 |
| Cost of funding earning assets | 0.0421% | 4,638 |
| Net interest margin | 0.8417% | 4,742 |
| Noninterest income to average assets | 96.4141% | 13 |
| Noninterest expense to average assets | 79.4683% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 13.1275% | 17 |
| Return on assets (ROA) | 13.1275% | 17 |
| Pretax return on assets | 17.4307% | 18 |
| Return on Equity (ROE) | 14.8103% | 937 |
| Retained earnings to average equity (ytd only) | 14.8103% | 282 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3360% | 847 |
| Assets per employee ($millions) | 0.2350% | 4,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 2.8755% | 4,760 |
| Equity capital to assets | 87.7904% | 17 |
| Core capital (leverage) ratio | 96.8163% | 12 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 266.6667% | 13 |
| Memoranda: | ||
| Average total assets | $16,499,667 | 4,753 |
| Average earning assets | $9,504,333 | 4,759 |
| Average equity | $14,625,000 | 3,533 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6366% | 4,775 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 0.6366% | 4,772 |
| Noninterest income to average assets | 79.2252% | 14 |
| Noninterest expense to average assets | 79.2003% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2491% | 4,241 |
| Return on assets (ROA) | 0.2491% | 4,218 |
| Pretax return on assets | 0.3986% | 4,037 |
| Return on Equity (ROE) | 0.2796% | 4,507 |
| Retained earnings to average equity (ytd only) | 0.2796% | 3,961 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1534% | 275 |
| Assets per employee ($millions) | 0.2152% | 4,785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.0981% | 4,787 |
| Equity capital to assets | 88.8159% | 14 |
| Core capital (leverage) ratio | 88.9560% | 19 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 273.3162% | 13 |
| Memoranda: | ||
| Average total assets | $16,055,500 | 4,781 |
| Average earning assets | $9,424,500 | 4,784 |
| Average equity | $14,305,000 | 3,623 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6042% | 4,807 |
| Cost of funding earning assets | 0.0432% | 4,714 |
| Net interest margin | 0.5610% | 4,804 |
| Noninterest income to average assets | 110.2841% | 11 |
| Noninterest expense to average assets | 93.1049% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 15.6506% | 15 |
| Return on assets (ROA) | 15.6506% | 15 |
| Pretax return on assets | 17.5372% | 16 |
| Return on Equity (ROE) | 17.7320% | 490 |
| Retained earnings to average equity (ytd only) | 17.7320% | 99 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0543% | 617 |
| Assets per employee ($millions) | 0.2218% | 4,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.1305% | 4,830 |
| Equity capital to assets | 89.3814% | 11 |
| Core capital (leverage) ratio | 93.6461% | 9 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 263.2274% | 13 |
| Memoranda: | ||
| Average total assets | $14,523,400 | 4,830 |
| Average earning assets | $9,268,600 | 4,828 |
| Average equity | $12,818,600 | 3,845 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5551% | 4,893 |
| Cost of funding earning assets | 0.0292% | 4,845 |
| Net interest margin | 0.5259% | 4,892 |
| Noninterest income to average assets | 108.5437% | 12 |
| Noninterest expense to average assets | 95.0474% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 14.0698% | 17 |
| Return on assets (ROA) | 14.0698% | 17 |
| Pretax return on assets | 13.8293% | 20 |
| Return on Equity (ROE) | 16.0614% | 937 |
| Retained earnings to average equity (ytd only) | 16.0614% | 297 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1597% | 428 |
| Assets per employee ($millions) | 0.1932% | 4,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.2757% | 4,905 |
| Equity capital to assets | 88.2010% | 13 |
| Core capital (leverage) ratio | 92.9959% | 13 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 339.7257% | 10 |
| Memoranda: | ||
| Average total assets | $14,413,500 | 4,905 |
| Average earning assets | $9,126,500 | 4,903 |
| Average equity | $12,626,250 | 3,920 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4069% | 4,936 |
| Cost of funding earning assets | 0.0452% | 4,841 |
| Net interest margin | 0.3617% | 4,935 |
| Noninterest income to average assets | 116.4331% | 12 |
| Noninterest expense to average assets | 97.3390% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 19.5471% | 14 |
| Return on assets (ROA) | 19.5471% | 14 |
| Pretax return on assets | 19.3206% | 14 |
| Return on Equity (ROE) | 22.3692% | 298 |
| Retained earnings to average equity (ytd only) | 22.3692% | 103 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3587% | 648 |
| Assets per employee ($millions) | 0.1699% | 4,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.3434% | 4,942 |
| Equity capital to assets | 88.9201% | 15 |
| Core capital (leverage) ratio | 95.9930% | 12 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 293.9120% | 13 |
| Memoranda: | ||
| Average total assets | $14,130,000 | 4,942 |
| Average earning assets | $8,847,667 | 4,939 |
| Average equity | $12,347,333 | 3,954 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3967% | 4,962 |
| Cost of funding earning assets | 0.0441% | 4,885 |
| Net interest margin | 0.3527% | 4,960 |
| Noninterest income to average assets | 84.8551% | 16 |
| Noninterest expense to average assets | 104.5963% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -14.0550% | 4,977 |
| Return on assets (ROA) | -14.0550% | 4,977 |
| Pretax return on assets | -19.5079% | 4,977 |
| Return on Equity (ROE) | -16.2399% | 4,953 |
| Retained earnings to average equity (ytd only) | -16.2399% | 4,888 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.3502% | 69 |
| Assets per employee ($millions) | 0.1583% | 4,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.7600% | 4,971 |
| Equity capital to assets | 87.5846% | 13 |
| Core capital (leverage) ratio | 87.0015% | 19 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 294.9271% | 10 |
| Memoranda: | ||
| Average total assets | $13,717,500 | 4,970 |
| Average earning assets | $9,074,000 | 4,966 |
| Average equity | $11,872,000 | 4,010 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3734% | 4,955 |
| Cost of funding earning assets | 0.1405% | 4,758 |
| Net interest margin | 1.2329% | 4,941 |
| Noninterest income to average assets | 107.6626% | 12 |
| Noninterest expense to average assets | 100.7152% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 8.9292% | 23 |
| Return on assets (ROA) | 8.9292% | 23 |
| Pretax return on assets | 7.5251% | 33 |
| Return on Equity (ROE) | 10.6585% | 1,755 |
| Retained earnings to average equity (ytd only) | 10.6585% | 473 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.8654% | 318 |
| Assets per employee ($millions) | 0.1683% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.5368% | 4,992 |
| Equity capital to assets | 85.5698% | 17 |
| Core capital (leverage) ratio | 89.8583% | 12 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 289.2034% | 7 |
| Memoranda: | ||
| Average total assets | $13,674,200 | 4,988 |
| Average earning assets | $6,407,400 | 4,994 |
| Average equity | $11,455,600 | 4,032 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7990% | 4,980 |
| Cost of funding earning assets | 0.1894% | 4,704 |
| Net interest margin | 1.6097% | 4,957 |
| Noninterest income to average assets | 114.3461% | 10 |
| Noninterest expense to average assets | 98.7794% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 16.2649% | 12 |
| Return on assets (ROA) | 16.2649% | 12 |
| Pretax return on assets | 16.2354% | 15 |
| Return on Equity (ROE) | 19.5239% | 259 |
| Retained earnings to average equity (ytd only) | 19.5239% | 84 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7811% | 569 |
| Assets per employee ($millions) | 0.1757% | 5,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.5135% | 5,024 |
| Equity capital to assets | 87.7872% | 14 |
| Core capital (leverage) ratio | 91.7616% | 13 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 326.2689% | 11 |
| Memoranda: | ||
| Average total assets | $13,558,500 | 5,020 |
| Average earning assets | $5,632,500 | 5,028 |
| Average equity | $11,295,250 | 4,059 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4590% | 4,975 |
| Cost of funding earning assets | 0.2342% | 4,672 |
| Net interest margin | 2.2248% | 4,866 |
| Noninterest income to average assets | 101.7974% | 13 |
| Noninterest expense to average assets | 103.1773% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.4650% | 4,912 |
| Return on assets (ROA) | -0.4650% | 4,910 |
| Pretax return on assets | -0.5250% | 4,901 |
| Return on Equity (ROE) | -0.5690% | 4,827 |
| Retained earnings to average equity (ytd only) | -0.5690% | 4,414 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.2840% | 192 |
| Assets per employee ($millions) | 0.1763% | 5,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.5016% | 5,056 |
| Equity capital to assets | 75.3764% | 22 |
| Core capital (leverage) ratio | 81.8856% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 269.0254% | 12 |
| Memoranda: | ||
| Average total assets | $13,334,333 | 5,053 |
| Average earning assets | $5,124,000 | 5,061 |
| Average equity | $10,896,000 | 4,101 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1792% | 3,292 |
| Cost of funding earning assets | 0.3134% | 4,615 |
| Net interest margin | 3.8657% | 1,777 |
| Noninterest income to average assets | 111.8955% | 12 |
| Noninterest expense to average assets | 108.8167% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.5501% | 104 |
| Return on assets (ROA) | 2.5501% | 106 |
| Pretax return on assets | 4.2295% | 43 |
| Return on Equity (ROE) | 2.9920% | 4,220 |
| Retained earnings to average equity (ytd only) | 2.9920% | 3,086 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.1032% | 346 |
| Assets per employee ($millions) | 0.1497% | 5,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.9290% | 5,104 |
| Equity capital to assets | 84.9914% | 23 |
| Core capital (leverage) ratio | 88.5528% | 20 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 263.4484% | 12 |
| Memoranda: | ||
| Average total assets | $12,862,000 | 5,105 |
| Average earning assets | $3,828,500 | 5,111 |
| Average equity | $10,962,500 | 4,122 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5125% | 2,900 |
| Cost of funding earning assets | 0.8430% | 2,468 |
| Net interest margin | 3.6695% | 2,907 |
| Noninterest income to average assets | 134.4170% | 9 |
| Noninterest expense to average assets | 111.3624% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 17.8885% | 11 |
| Return on assets (ROA) | 17.8885% | 12 |
| Pretax return on assets | 23.6501% | 12 |
| Return on Equity (ROE) | 22.0921% | 135 |
| Retained earnings to average equity (ytd only) | 22.0921% | 22 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4936% | 831 |
| Assets per employee ($millions) | 0.1380% | 5,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.8539% | 5,164 |
| Equity capital to assets | 86.6194% | 22 |
| Core capital (leverage) ratio | 90.6203% | 15 |
| Tier 1 risk-based capital ratio | 254.2214% | 21 |
| Total risk-based capital ratio | 254.2214% | 21 |
| Memoranda: | ||
| Average total assets | $12,427,000 | 5,168 |
| Average earning assets | $2,016,600 | 5,175 |
| Average equity | $10,062,400 | 4,234 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2938% | 5,067 |
| Cost of funding earning assets | 0.8703% | 2,366 |
| Net interest margin | 2.4240% | 5,097 |
| Noninterest income to average assets | 138.9251% | 8 |
| Noninterest expense to average assets | 124.3122% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 11.8790% | 14 |
| Return on assets (ROA) | 11.8790% | 16 |
| Pretax return on assets | 15.0359% | 16 |
| Return on Equity (ROE) | 14.9456% | 786 |
| Retained earnings to average equity (ytd only) | 14.9456% | 149 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2678% | 382 |
| Assets per employee ($millions) | 0.1439% | 5,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.7779% | 5,245 |
| Equity capital to assets | 77.7257% | 26 |
| Core capital (leverage) ratio | 87.6926% | 20 |
| Tier 1 risk-based capital ratio | 237.5652% | 22 |
| Total risk-based capital ratio | 237.5652% | 22 |
| Memoranda: | ||
| Average total assets | $12,290,250 | 5,246 |
| Average earning assets | $2,145,250 | 5,254 |
| Average equity | $9,768,500 | 4,316 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9369% | 5,284 |
| Cost of funding earning assets | 0.6163% | 3,566 |
| Net interest margin | 1.3206% | 5,278 |
| Noninterest income to average assets | 141.1903% | 6 |
| Noninterest expense to average assets | 123.5039% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 14.1791% | 11 |
| Return on assets (ROA) | 14.1791% | 12 |
| Pretax return on assets | 17.9369% | 12 |
| Return on Equity (ROE) | 17.6955% | 398 |
| Retained earnings to average equity (ytd only) | 17.6955% | 88 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5155% | 517 |
| Assets per employee ($millions) | 0.1397% | 5,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 3.9780% | 5,291 |
| Equity capital to assets | 79.8870% | 24 |
| Core capital (leverage) ratio | 92.1659% | 16 |
| Tier 1 risk-based capital ratio | 224.1715% | 22 |
| Total risk-based capital ratio | 224.1715% | 22 |
| Memoranda: | ||
| Average total assets | $11,975,330 | 5,294 |
| Average earning assets | $2,271,670 | 5,301 |
| Average equity | $9,595,670 | 4,358 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6728% | 5,321 |
| Cost of funding earning assets | 0.5011% | 4,055 |
| Net interest margin | 2.1716% | 5,281 |
| Noninterest income to average assets | 140.3605% | 6 |
| Noninterest expense to average assets | 124.3310% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 12.3646% | 12 |
| Return on assets (ROA) | 12.3646% | 15 |
| Pretax return on assets | 16.4747% | 15 |
| Return on Equity (ROE) | 15.4060% | 679 |
| Retained earnings to average equity (ytd only) | 15.4060% | 250 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8375% | 490 |
| Assets per employee ($millions) | 0.1476% | 5,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 4.2355% | 5,348 |
| Equity capital to assets | 80.9233% | 24 |
| Core capital (leverage) ratio | 89.6354% | 14 |
| Tier 1 risk-based capital ratio | 216.8605% | 22 |
| Total risk-based capital ratio | 216.8605% | 22 |
| Memoranda: | ||
| Average total assets | $11,678,500 | 5,352 |
| Average earning assets | $2,394,500 | 5,359 |
| Average equity | $9,373,000 | 4,415 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4397% | 5,347 |
| Cost of funding earning assets | 0.2889% | 4,624 |
| Net interest margin | 2.1507% | 5,313 |
| Noninterest income to average assets | 144.7229% | 6 |
| Noninterest expense to average assets | 136.0712% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 9.3067% | 21 |
| Return on assets (ROA) | 9.3067% | 21 |
| Pretax return on assets | 9.3067% | 25 |
| Return on Equity (ROE) | 11.6433% | 1,847 |
| Retained earnings to average equity (ytd only) | 11.6433% | 352 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0132% | 258 |
| Assets per employee ($millions) | 0.1359% | 5,394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 4.4318% | 5,391 |
| Equity capital to assets | 77.0165% | 28 |
| Core capital (leverage) ratio | 84.8222% | 21 |
| Tier 1 risk-based capital ratio | 193.7607% | 28 |
| Total risk-based capital ratio | 193.7607% | 28 |
| Memoranda: | ||
| Average total assets | $10,229,200 | 5,398 |
| Average earning assets | $3,115,200 | 5,402 |
| Average equity | $8,176,400 | 4,581 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4502% | 5,416 |
| Cost of funding earning assets | 0.2450% | 4,816 |
| Net interest margin | 2.2052% | 5,383 |
| Noninterest income to average assets | 146.9627% | 6 |
| Noninterest expense to average assets | 139.5243% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 8.1608% | 21 |
| Return on assets (ROA) | 8.1608% | 21 |
| Pretax return on assets | 8.1608% | 27 |
| Return on Equity (ROE) | 10.1054% | 2,571 |
| Retained earnings to average equity (ytd only) | 10.1054% | 886 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8672% | 244 |
| Assets per employee ($millions) | 0.1364% | 5,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 4.6979% | 5,464 |
| Equity capital to assets | 78.4271% | 25 |
| Core capital (leverage) ratio | 89.2903% | 17 |
| Tier 1 risk-based capital ratio | 204.5382% | 27 |
| Total risk-based capital ratio | 204.5382% | 27 |
| Memoranda: | ||
| Average total assets | $9,966,000 | 5,470 |
| Average earning assets | $3,265,000 | 5,474 |
| Average equity | $8,048,250 | 4,646 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5097% | 5,471 |
| Cost of funding earning assets | 0.2335% | 4,830 |
| Net interest margin | 2.2763% | 5,425 |
| Noninterest income to average assets | 150.1592% | 6 |
| Noninterest expense to average assets | 142.6646% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 8.2954% | 21 |
| Return on assets (ROA) | 8.2954% | 21 |
| Pretax return on assets | 8.2954% | 26 |
| Return on Equity (ROE) | 10.1652% | 2,490 |
| Retained earnings to average equity (ytd only) | 10.1652% | 881 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8928% | 264 |
| Assets per employee ($millions) | 0.1237% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 5.0531% | 5,528 |
| Equity capital to assets | 82.2739% | 25 |
| Core capital (leverage) ratio | 93.8997% | 12 |
| Tier 1 risk-based capital ratio | 226.4440% | 24 |
| Total risk-based capital ratio | 226.4440% | 24 |
| Memoranda: | ||
| Average total assets | $9,740,330 | 5,535 |
| Average earning assets | $3,426,670 | 5,537 |
| Average equity | $7,948,670 | 4,702 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4495% | 5,543 |
| Cost of funding earning assets | 0.2227% | 4,876 |
| Net interest margin | 2.2269% | 5,496 |
| Noninterest income to average assets | 151.4643% | 6 |
| Noninterest expense to average assets | 142.7300% | 4 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 9.5622% | 16 |
| Return on assets (ROA) | 9.5622% | 16 |
| Pretax return on assets | 9.5622% | 23 |
| Return on Equity (ROE) | 11.7670% | 1,662 |
| Retained earnings to average equity (ytd only) | 11.7670% | 723 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0959% | 332 |
| Assets per employee ($millions) | 0.1288% | 5,592 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 5.2471% | 5,592 |
| Equity capital to assets | 83.6184% | 26 |
| Core capital (leverage) ratio | 87.3202% | 20 |
| Tier 1 risk-based capital ratio | 194.2452% | 24 |
| Total risk-based capital ratio | 194.2452% | 24 |
| Memoranda: | ||
| Average total assets | $9,663,000 | 5,600 |
| Average earning assets | $3,592,500 | 5,600 |
| Average equity | $7,852,500 | 4,767 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8019% | 5,616 |
| Cost of funding earning assets | 0.1660% | 5,180 |
| Net interest margin | 1.6359% | 5,609 |
| Noninterest income to average assets | 137.0410% | 7 |
| Noninterest expense to average assets | 126.7028% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 9.4895% | 14 |
| Return on assets (ROA) | 9.4895% | 14 |
| Pretax return on assets | 11.0986% | 18 |
| Return on Equity (ROE) | 11.5707% | 1,322 |
| Retained earnings to average equity (ytd only) | 11.5707% | 203 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6982% | 396 |
| Assets per employee ($millions) | 0.1400% | 5,657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 5.1036% | 5,658 |
| Equity capital to assets | 78.9732% | 25 |
| Core capital (leverage) ratio | 85.0489% | 16 |
| Tier 1 risk-based capital ratio | 217.7049% | 23 |
| Total risk-based capital ratio | 217.7049% | 23 |
| Memoranda: | ||
| Average total assets | $9,073,200 | 5,666 |
| Average earning assets | $4,217,800 | 5,665 |
| Average equity | $7,441,200 | 4,874 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6618% | 5,693 |
| Cost of funding earning assets | 0.1539% | 5,290 |
| Net interest margin | 1.5078% | 5,687 |
| Noninterest income to average assets | 138.3942% | 6 |
| Noninterest expense to average assets | 123.4003% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 15.6237% | 12 |
| Return on assets (ROA) | 15.6237% | 12 |
| Pretax return on assets | 15.7286% | 17 |
| Return on Equity (ROE) | 18.8584% | 287 |
| Retained earnings to average equity (ytd only) | 18.8584% | 60 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3370% | 550 |
| Assets per employee ($millions) | 0.1465% | 5,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 5.0948% | 5,723 |
| Equity capital to assets | 80.6908% | 24 |
| Core capital (leverage) ratio | 91.0902% | 16 |
| Tier 1 risk-based capital ratio | 212.6682% | 21 |
| Total risk-based capital ratio | 212.6682% | 21 |
| Memoranda: | ||
| Average total assets | $8,892,250 | 5,731 |
| Average earning assets | $4,332,750 | 5,731 |
| Average equity | $7,367,000 | 4,931 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4980% | 5,751 |
| Cost of funding earning assets | 0.1362% | 5,413 |
| Net interest margin | 1.3618% | 5,745 |
| Noninterest income to average assets | 141.2464% | 6 |
| Noninterest expense to average assets | 124.7059% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 17.0763% | 11 |
| Return on assets (ROA) | 17.0763% | 11 |
| Pretax return on assets | 17.2394% | 16 |
| Return on Equity (ROE) | 20.4093% | 203 |
| Retained earnings to average equity (ytd only) | 20.4093% | 57 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4763% | 658 |
| Assets per employee ($millions) | 0.1419% | 5,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 5.4224% | 5,775 |
| Equity capital to assets | 82.5182% | 24 |
| Core capital (leverage) ratio | 94.8725% | 10 |
| Tier 1 risk-based capital ratio | 180.2799% | 24 |
| Total risk-based capital ratio | 180.2799% | 24 |
| Memoranda: | ||
| Average total assets | $8,585,000 | 5,784 |
| Average earning assets | $4,406,000 | 5,781 |
| Average equity | $7,183,000 | 4,986 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4703% | 5,822 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 1.4703% | 5,809 |
| Noninterest income to average assets | 127.2529% | 7 |
| Noninterest expense to average assets | 118.9307% | 5 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 9.0964% | 23 |
| Return on assets (ROA) | 9.0964% | 23 |
| Pretax return on assets | 9.0964% | 27 |
| Return on Equity (ROE) | 10.7891% | 1,646 |
| Retained earnings to average equity (ytd only) | 10.7891% | 648 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3076% | 488 |
| Assets per employee ($millions) | 0.1444% | 5,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 6.0739% | 5,840 |
| Equity capital to assets | 85.8115% | 22 |
| Core capital (leverage) ratio | 90.7690% | 16 |
| Tier 1 risk-based capital ratio | 247.5488% | 21 |
| Total risk-based capital ratio | 247.5488% | 21 |
| Memoranda: | ||
| Average total assets | $8,267,000 | 5,853 |
| Average earning assets | $4,353,000 | 5,850 |
| Average equity | $6,970,000 | 5,071 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2328% | 5,876 |
| Cost of funding earning assets | 0.1345% | 5,523 |
| Net interest margin | 1.0983% | 5,874 |
| Noninterest income to average assets | 126.6411% | 9 |
| Noninterest expense to average assets | 121.8924% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 5.3201% | 30 |
| Return on assets (ROA) | 5.3201% | 31 |
| Pretax return on assets | 5.3709% | 45 |
| Return on Equity (ROE) | 6.4238% | 3,776 |
| Retained earnings to average equity (ytd only) | 6.4238% | 1,488 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5026% | 363 |
| Assets per employee ($millions) | 0.1428% | 5,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 6.0386% | 5,898 |
| Equity capital to assets | 82.0290% | 24 |
| Core capital (leverage) ratio | 85.1513% | 19 |
| Tier 1 risk-based capital ratio | 239.9015% | 21 |
| Total risk-based capital ratio | 239.9015% | 21 |
| Memoranda: | ||
| Average total assets | $7,875,800 | 5,913 |
| Average earning assets | $4,461,400 | 5,906 |
| Average equity | $6,522,600 | 5,181 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1918% | 5,946 |
| Cost of funding earning assets | 0.1491% | 5,489 |
| Net interest margin | 1.0430% | 5,944 |
| Noninterest income to average assets | 126.4403% | 9 |
| Noninterest expense to average assets | 123.5079% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.4642% | 64 |
| Return on assets (ROA) | 3.4642% | 65 |
| Pretax return on assets | 3.5327% | 90 |
| Return on Equity (ROE) | 4.1723% | 4,840 |
| Retained earnings to average equity (ytd only) | 4.1723% | 3,349 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0178% | 313 |
| Assets per employee ($millions) | 0.1358% | 5,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 6.2406% | 5,966 |
| Equity capital to assets | 82.0644% | 24 |
| Core capital (leverage) ratio | 87.0216% | 18 |
| Tier 1 risk-based capital ratio | 260.0000% | 20 |
| Total risk-based capital ratio | 260.0000% | 20 |
| Memoranda: | ||
| Average total assets | $7,774,750 | 5,979 |
| Average earning assets | $4,474,750 | 5,972 |
| Average equity | $6,455,250 | 5,251 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2527% | 6,027 |
| Cost of funding earning assets | 0.1342% | 5,653 |
| Net interest margin | 1.1185% | 6,024 |
| Noninterest income to average assets | 126.6946% | 9 |
| Noninterest expense to average assets | 124.3816% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.9367% | 94 |
| Return on assets (ROA) | 2.9367% | 94 |
| Pretax return on assets | 2.9627% | 125 |
| Return on Equity (ROE) | 3.5228% | 5,089 |
| Retained earnings to average equity (ytd only) | 3.5228% | 3,657 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.5102% | 328 |
| Assets per employee ($millions) | 0.1231% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 6.4458% | 6,043 |
| Equity capital to assets | 83.6148% | 23 |
| Core capital (leverage) ratio | 89.1623% | 17 |
| Tier 1 risk-based capital ratio | 259.7270% | 19 |
| Total risk-based capital ratio | 259.7270% | 19 |
| Memoranda: | ||
| Average total assets | $7,695,670 | 6,058 |
| Average earning assets | $4,470,330 | 6,049 |
| Average equity | $6,415,330 | 5,303 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2634% | 6,092 |
| Cost of funding earning assets | 0.0902% | 5,952 |
| Net interest margin | 1.1732% | 6,086 |
| Noninterest income to average assets | 116.0600% | 9 |
| Noninterest expense to average assets | 115.9556% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7306% | 3,579 |
| Return on assets (ROA) | 0.7306% | 3,690 |
| Pretax return on assets | 0.7828% | 4,264 |
| Return on Equity (ROE) | 0.8777% | 5,713 |
| Retained earnings to average equity (ytd only) | 0.8777% | 4,876 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1225% | 339 |
| Assets per employee ($millions) | 0.1245% | 6,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 6.6916% | 6,108 |
| Equity capital to assets | 85.4791% | 24 |
| Core capital (leverage) ratio | 86.4308% | 17 |
| Tier 1 risk-based capital ratio | 248.2098% | 20 |
| Total risk-based capital ratio | 248.2098% | 20 |
| Memoranda: | ||
| Average total assets | $7,665,000 | 6,122 |
| Average earning assets | $4,432,500 | 6,114 |
| Average equity | $6,380,000 | 5,341 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3057% | 6,135 |
| Cost of funding earning assets | 0.1478% | 5,698 |
| Net interest margin | 1.1579% | 6,132 |
| Noninterest income to average assets | 122.7361% | 9 |
| Noninterest expense to average assets | 115.8314% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 7.5349% | 24 |
| Return on assets (ROA) | 7.5349% | 24 |
| Pretax return on assets | 7.5486% | 32 |
| Return on Equity (ROE) | 8.8215% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.8215% | 698 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3495% | 553 |
| Assets per employee ($millions) | 0.1379% | 6,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 6.3629% | 6,168 |
| Equity capital to assets | 82.7310% | 25 |
| Core capital (leverage) ratio | 88.9248% | 14 |
| Tier 1 risk-based capital ratio | 245.0020% | 22 |
| Total risk-based capital ratio | 245.0020% | 22 |
| Memoranda: | ||
| Average total assets | $7,299,400 | 6,182 |
| Average earning assets | $4,059,000 | 6,176 |
| Average equity | $6,234,800 | 5,388 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3324% | 6,227 |
| Cost of funding earning assets | 0.1332% | 5,897 |
| Net interest margin | 1.1993% | 6,227 |
| Noninterest income to average assets | 121.1931% | 8 |
| Noninterest expense to average assets | 114.0607% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 7.7841% | 24 |
| Return on assets (ROA) | 7.7841% | 24 |
| Pretax return on assets | 7.8026% | 31 |
| Return on Equity (ROE) | 9.0353% | 2,557 |
| Retained earnings to average equity (ytd only) | 9.0353% | 890 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.9774% | 574 |
| Assets per employee ($millions) | 0.1380% | 6,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 6.7087% | 6,254 |
| Equity capital to assets | 85.4555% | 20 |
| Core capital (leverage) ratio | 90.4797% | 15 |
| Tier 1 risk-based capital ratio | 247.5091% | 24 |
| Total risk-based capital ratio | 247.5091% | 24 |
| Memoranda: | ||
| Average total assets | $7,159,750 | 6,269 |
| Average earning assets | $4,002,500 | 6,264 |
| Average equity | $6,168,250 | 5,468 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2997% | 6,307 |
| Cost of funding earning assets | 0.1500% | 5,847 |
| Net interest margin | 1.1497% | 6,303 |
| Noninterest income to average assets | 120.4191% | 8 |
| Noninterest expense to average assets | 111.1300% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 9.9122% | 22 |
| Return on assets (ROA) | 9.9122% | 22 |
| Pretax return on assets | 9.9405% | 31 |
| Return on Equity (ROE) | 11.4729% | 1,529 |
| Retained earnings to average equity (ytd only) | 11.4729% | 446 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0819% | 743 |
| Assets per employee ($millions) | 0.1310% | 6,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 6.9406% | 6,329 |
| Equity capital to assets | 87.4653% | 15 |
| Core capital (leverage) ratio | 95.9580% | 7 |
| Tier 1 risk-based capital ratio | 266.1077% | 20 |
| Total risk-based capital ratio | 266.1077% | 20 |
| Memoranda: | ||
| Average total assets | $7,062,000 | 6,347 |
| Average earning assets | $4,001,000 | 6,340 |
| Average equity | $6,101,330 | 5,527 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3995% | 6,375 |
| Cost of funding earning assets | 0.1000% | 6,211 |
| Net interest margin | 1.2995% | 6,367 |
| Noninterest income to average assets | 115.9205% | 9 |
| Noninterest expense to average assets | 110.8282% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 5.7789% | 41 |
| Return on assets (ROA) | 5.7789% | 42 |
| Pretax return on assets | 5.8361% | 51 |
| Return on Equity (ROE) | 6.7317% | 3,640 |
| Retained earnings to average equity (ytd only) | 6.7317% | 2,133 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2320% | 633 |
| Assets per employee ($millions) | 0.1341% | 6,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.1705% | 6,400 |
| Equity capital to assets | 86.7919% | 17 |
| Core capital (leverage) ratio | 90.1795% | 14 |
| Tier 1 risk-based capital ratio | 243.5076% | 23 |
| Total risk-based capital ratio | 243.5076% | 23 |
| Memoranda: | ||
| Average total assets | $6,991,000 | 6,417 |
| Average earning assets | $4,001,500 | 6,410 |
| Average equity | $6,001,500 | 5,598 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3194% | 6,459 |
| Cost of funding earning assets | 0.1157% | 6,269 |
| Net interest margin | 1.2036% | 6,452 |
| Noninterest income to average assets | 121.3403% | 9 |
| Noninterest expense to average assets | 118.7994% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 3.2771% | 81 |
| Return on assets (ROA) | 3.2771% | 81 |
| Pretax return on assets | 3.2916% | 89 |
| Return on Equity (ROE) | 3.9282% | 5,145 |
| Retained earnings to average equity (ytd only) | 3.9282% | 3,417 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0388% | 503 |
| Assets per employee ($millions) | 0.1460% | 6,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.1337% | 6,491 |
| Equity capital to assets | 84.9051% | 20 |
| Core capital (leverage) ratio | 83.5356% | 19 |
| Tier 1 risk-based capital ratio | 265.7426% | 21 |
| Total risk-based capital ratio | 265.7426% | 20 |
| Memoranda: | ||
| Average total assets | $6,926,800 | 6,507 |
| Average earning assets | $4,320,200 | 6,501 |
| Average equity | $5,778,800 | 5,668 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3043% | 6,546 |
| Cost of funding earning assets | 0.0910% | 6,440 |
| Net interest margin | 1.2133% | 6,538 |
| Noninterest income to average assets | 121.6646% | 10 |
| Noninterest expense to average assets | 122.1085% | 6 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2896% | 5,621 |
| Return on assets (ROA) | 0.2896% | 5,690 |
| Pretax return on assets | 0.3283% | 5,721 |
| Return on Equity (ROE) | 0.3487% | 6,120 |
| Retained earnings to average equity (ytd only) | 0.3487% | 5,705 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.5020% | 415 |
| Assets per employee ($millions) | 0.1373% | 6,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.2823% | 6,570 |
| Equity capital to assets | 83.5858% | 19 |
| Core capital (leverage) ratio | 82.5946% | 22 |
| Tier 1 risk-based capital ratio | 261.3881% | 20 |
| Total risk-based capital ratio | 261.3881% | 19 |
| Memoranda: | ||
| Average total assets | $6,906,250 | 6,586 |
| Average earning assets | $4,395,500 | 6,581 |
| Average equity | $5,735,750 | 5,733 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3255% | 6,610 |
| Cost of funding earning assets | 0.0884% | 6,509 |
| Net interest margin | 1.2371% | 6,604 |
| Noninterest income to average assets | 122.0867% | 9 |
| Noninterest expense to average assets | 122.2891% | 7 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5781% | 4,463 |
| Return on assets (ROA) | 0.5781% | 4,563 |
| Pretax return on assets | 0.6070% | 4,938 |
| Return on Equity (ROE) | 0.6975% | 6,107 |
| Retained earnings to average equity (ytd only) | 0.6975% | 5,459 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2596% | 453 |
| Assets per employee ($millions) | 0.1337% | 6,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.3325% | 6,637 |
| Equity capital to assets | 84.2352% | 19 |
| Core capital (leverage) ratio | 83.4539% | 19 |
| Tier 1 risk-based capital ratio | 267.6209% | 20 |
| Total risk-based capital ratio | 267.6209% | 20 |
| Memoranda: | ||
| Average total assets | $6,919,670 | 6,654 |
| Average earning assets | $4,526,670 | 6,644 |
| Average equity | $5,734,670 | 5,767 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2881% | 6,688 |
| Cost of funding earning assets | 0.0859% | 6,596 |
| Net interest margin | 1.2022% | 6,682 |
| Noninterest income to average assets | 119.2539% | 10 |
| Noninterest expense to average assets | 119.3687% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6887% | 3,749 |
| Return on assets (ROA) | 0.6887% | 3,823 |
| Pretax return on assets | 0.6887% | 4,525 |
| Return on Equity (ROE) | 0.8377% | 6,071 |
| Retained earnings to average equity (ytd only) | 0.8377% | 5,257 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.1358% | 538 |
| Assets per employee ($millions) | 0.1280% | 6,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.2359% | 6,706 |
| Equity capital to assets | 83.0101% | 30 |
| Core capital (leverage) ratio | 82.1391% | 25 |
| Tier 1 risk-based capital ratio | 255.9981% | 24 |
| Total risk-based capital ratio | 255.9981% | 24 |
| Memoranda: | ||
| Average total assets | $6,970,000 | 6,727 |
| Average earning assets | $4,658,000 | 6,717 |
| Average equity | $5,730,000 | 5,811 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0418% | 6,772 |
| Cost of funding earning assets | 0.1085% | 6,651 |
| Net interest margin | 0.9332% | 6,764 |
| Noninterest income to average assets | 116.3754% | 12 |
| Noninterest expense to average assets | 108.5834% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 15.0950% | 15 |
| Return on assets (ROA) | 15.0950% | 15 |
| Pretax return on assets | 8.4489% | 31 |
| Return on Equity (ROE) | 18.3711% | 381 |
| Retained earnings to average equity (ytd only) | 10.0967% | 551 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.1097% | 942 |
| Assets per employee ($millions) | 0.1435% | 6,798 |
| Cash dividends to net income (ytd only)* | 45.0405% | 2,548 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.1124% | 6,791 |
| Equity capital to assets | 81.4225% | 27 |
| Core capital (leverage) ratio | 80.4579% | 22 |
| Tier 1 risk-based capital ratio | 262.6771% | 24 |
| Total risk-based capital ratio | 262.6771% | 24 |
| Memoranda: | ||
| Average total assets | $6,545,200 | 6,810 |
| Average earning assets | $4,607,600 | 6,802 |
| Average equity | $5,378,000 | 5,970 |
| Average total loans | NA | NA |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9645% | 6,859 |
| Cost of funding earning assets | 0.1168% | 6,730 |
| Net interest margin | 0.8477% | 6,853 |
| Noninterest income to average assets | 118.9676% | 12 |
| Noninterest expense to average assets | 108.5279% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 11.0209% | 17 |
| Return on assets (ROA) | 11.0209% | 17 |
| Pretax return on assets | 11.0416% | 26 |
| Return on Equity (ROE) | 13.3796% | 1,145 |
| Retained earnings to average equity (ytd only) | 7.7103% | 1,545 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0991% | 1,078 |
| Assets per employee ($millions) | 0.1390% | 6,877 |
| Cash dividends to net income (ytd only)* | 42.3727% | 2,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.4940% | 6,869 |
| Equity capital to assets | 82.2392% | 21 |
| Core capital (leverage) ratio | 81.7888% | 20 |
| Tier 1 risk-based capital ratio | 298.3184% | 19 |
| Total risk-based capital ratio | 298.3184% | 19 |
| Memoranda: | ||
| Average total assets | $6,424,000 | 6,889 |
| Average earning assets | $4,562,000 | 6,880 |
| Average equity | $5,291,500 | 6,063 |
| Average total loans | NA | NA |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8844% | 6,912 |
| Cost of funding earning assets | 0.0884% | 6,843 |
| Net interest margin | 0.7959% | 6,904 |
| Noninterest income to average assets | 117.7040% | 11 |
| Noninterest expense to average assets | 106.6022% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 11.6379% | 16 |
| Return on assets (ROA) | 11.6379% | 16 |
| Pretax return on assets | 11.6695% | 22 |
| Return on Equity (ROE) | 14.1208% | 981 |
| Retained earnings to average equity (ytd only) | 5.5106% | 2,735 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4800% | 1,174 |
| Assets per employee ($millions) | 0.1293% | 6,924 |
| Cash dividends to net income (ytd only)* | 60.9756% | 1,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.8889% | 6,920 |
| Equity capital to assets | 84.0170% | 19 |
| Core capital (leverage) ratio | 83.6058% | 18 |
| Tier 1 risk-based capital ratio | 294.5268% | 18 |
| Total risk-based capital ratio | 294.5268% | 18 |
| Memoranda: | ||
| Average total assets | $6,341,330 | 6,938 |
| Average earning assets | $4,523,000 | 6,930 |
| Average equity | $5,226,330 | 6,120 |
| Average total loans | NA | NA |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6193% | 6,993 |
| Cost of funding earning assets | 0.0885% | 6,921 |
| Net interest margin | 0.5309% | 6,991 |
| Noninterest income to average assets | 114.1416% | 11 |
| Noninterest expense to average assets | 100.7725% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 13.6844% | 13 |
| Return on assets (ROA) | 13.6844% | 13 |
| Pretax return on assets | 13.7474% | 23 |
| Return on Equity (ROE) | 16.7665% | 532 |
| Retained earnings to average equity (ytd only) | -0.6181% | 5,898 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1784% | 1,491 |
| Assets per employee ($millions) | 0.1373% | 7,001 |
| Cash dividends to net income (ytd only)* | 103.6866% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.9164% | 6,995 |
| Equity capital to assets | 81.9031% | 23 |
| Core capital (leverage) ratio | 81.4025% | 19 |
| Tier 1 risk-based capital ratio | 283.6168% | 19 |
| Total risk-based capital ratio | 283.6168% | 19 |
| Memoranda: | ||
| Average total assets | $6,343,000 | 7,017 |
| Average earning assets | $4,521,000 | 7,010 |
| Average equity | $5,177,000 | 6,191 |
| Average total loans | NA | NA |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2354% | 7,036 |
| Cost of funding earning assets | 0.1144% | 6,979 |
| Net interest margin | 1.1210% | 7,027 |
| Noninterest income to average assets | 108.6442% | 10 |
| Noninterest expense to average assets | 99.9573% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 9.3931% | 26 |
| Return on assets (ROA) | 9.3931% | 26 |
| Pretax return on assets | 9.4916% | 33 |
| Return on Equity (ROE) | 11.6945% | 1,598 |
| Retained earnings to average equity (ytd only) | 11.6945% | 354 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5424% | 1,106 |
| Assets per employee ($millions) | 0.1481% | 7,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.8493% | 7,059 |
| Equity capital to assets | 81.3344% | 27 |
| Core capital (leverage) ratio | 80.9425% | 23 |
| Tier 1 risk-based capital ratio | 274.7552% | 22 |
| Total risk-based capital ratio | 274.7552% | 22 |
| Memoranda: | ||
| Average total assets | $6,089,600 | 7,082 |
| Average earning assets | $4,371,000 | 7,075 |
| Average equity | $4,891,200 | 6,328 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2673% | 7,146 |
| Cost of funding earning assets | 0.1236% | 7,083 |
| Net interest margin | 1.1435% | 7,134 |
| Noninterest income to average assets | 107.8910% | 10 |
| Noninterest expense to average assets | 98.6989% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 9.8787% | 19 |
| Return on assets (ROA) | 9.8787% | 21 |
| Pretax return on assets | 10.0116% | 32 |
| Return on Equity (ROE) | 12.3403% | 1,520 |
| Retained earnings to average equity (ytd only) | 12.3403% | 477 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0994% | 1,105 |
| Assets per employee ($millions) | 0.1435% | 7,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 7.9177% | 7,164 |
| Equity capital to assets | 80.0475% | 22 |
| Core capital (leverage) ratio | 79.5421% | 20 |
| Tier 1 risk-based capital ratio | 278.5105% | 20 |
| Total risk-based capital ratio | 278.5105% | 20 |
| Memoranda: | ||
| Average total assets | $6,019,500 | 7,178 |
| Average earning assets | $4,314,000 | 7,171 |
| Average equity | $4,818,750 | 6,419 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3052% | 7,212 |
| Cost of funding earning assets | 0.1398% | 7,136 |
| Net interest margin | 1.1653% | 7,201 |
| Noninterest income to average assets | 107.3805% | 11 |
| Noninterest expense to average assets | 98.7333% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 9.3227% | 22 |
| Return on assets (ROA) | 9.3227% | 21 |
| Pretax return on assets | 9.4916% | 30 |
| Return on Equity (ROE) | 11.6456% | 1,789 |
| Retained earnings to average equity (ytd only) | 11.6456% | 638 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5131% | 1,114 |
| Assets per employee ($millions) | 0.1415% | 7,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 8.4133% | 7,230 |
| Equity capital to assets | 82.1975% | 21 |
| Core capital (leverage) ratio | 81.7145% | 15 |
| Tier 1 risk-based capital ratio | 265.0224% | 17 |
| Total risk-based capital ratio | 265.0224% | 17 |
| Memoranda: | ||
| Average total assets | $5,921,000 | 7,241 |
| Average earning assets | $4,290,670 | 7,233 |
| Average equity | $4,740,000 | 6,470 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3372% | 7,276 |
| Cost of funding earning assets | 0.0955% | 7,254 |
| Net interest margin | 1.2416% | 7,259 |
| Noninterest income to average assets | 103.3503% | 10 |
| Noninterest expense to average assets | 96.1083% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 7.8511% | 29 |
| Return on assets (ROA) | 7.8511% | 30 |
| Pretax return on assets | 8.1218% | 39 |
| Return on Equity (ROE) | 9.9411% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.9411% | 1,284 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3896% | 1,060 |
| Assets per employee ($millions) | 0.1488% | 7,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | NA | NA |
| Total domestic deposits to total assets | 8.4005% | 7,292 |
| Equity capital to assets | 79.3851% | 25 |
| Core capital (leverage) ratio | 78.8046% | 19 |
| Tier 1 risk-based capital ratio | 268.3529% | 16 |
| Total risk-based capital ratio | 268.3529% | 16 |
| Memoranda: | ||
| Average total assets | $5,910,000 | 7,305 |
| Average earning assets | $4,188,000 | 7,297 |
| Average equity | $4,667,500 | 6,526 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4342% | 7,315 |
| Cost of funding earning assets | 0.1761% | 7,259 |
| Net interest margin | 1.2581% | 7,305 |
| Noninterest income to average assets | 107.1507% | 10 |
| Noninterest expense to average assets | 99.0524% | 10 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 8.8145% | 22 |
| Return on assets (ROA) | 8.8145% | 24 |
| Pretax return on assets | 9.0165% | 31 |
| Return on Equity (ROE) | 11.0289% | 1,690 |
| Retained earnings to average equity (ytd only) | 11.0289% | 399 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1444% | 1,180 |
| Assets per employee ($millions) | 0.1677% | 7,336 |
| 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 | 8.5208% | 7,338 |
| Equity capital to assets | 78.5617% | 21 |
| Core capital (leverage) ratio | 78.5617% | 19 |
| Tier 1 risk-based capital ratio | 288.8471% | 15 |
| Total risk-based capital ratio | 288.8471% | 15 |
| Memoranda: | ||
| Average total assets | $5,445,600 | 7,355 |
| Average earning assets | $3,974,400 | 7,347 |
| Average equity | $4,352,200 | 6,644 |
| Average total loans | NA | NA |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4283% | 7,391 |
| Cost of funding earning assets | 0.2040% | 7,323 |
| Net interest margin | 1.2243% | 7,386 |
| Noninterest income to average assets | 109.1109% | 10 |
| Noninterest expense to average assets | 100.9963% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 8.8137% | 23 |
| Return on assets (ROA) | 8.8137% | 25 |
| Pretax return on assets | 9.0135% | 33 |
| Return on Equity (ROE) | 10.9766% | 1,872 |
| Retained earnings to average equity (ytd only) | 10.9766% | 637 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2406% | 1,150 |
| Assets per employee ($millions) | 0.1465% | 7,418 |
| 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 | 8.9831% | 7,415 |
| Equity capital to assets | 80.5965% | 23 |
| Core capital (leverage) ratio | 80.5965% | 21 |
| Tier 1 risk-based capital ratio | 305.3778% | 19 |
| Total risk-based capital ratio | 305.3778% | 19 |
| Memoranda: | ||
| Average total assets | $5,340,000 | 7,435 |
| Average earning assets | $3,920,750 | 7,425 |
| Average equity | $4,287,750 | 6,713 |
| Average total loans | NA | NA |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4208% | 7,470 |
| Cost of funding earning assets | 0.2105% | 7,404 |
| Net interest margin | 1.2103% | 7,464 |
| Noninterest income to average assets | 109.6365% | 10 |
| Noninterest expense to average assets | 102.5705% | 8 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 7.7118% | 31 |
| Return on assets (ROA) | 7.7118% | 31 |
| Pretax return on assets | 7.9397% | 42 |
| Return on Equity (ROE) | 9.6170% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.6170% | 932 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3029% | 1,150 |
| Assets per employee ($millions) | 0.1435% | 7,494 |
| 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 | 9.4162% | 7,488 |
| Equity capital to assets | 81.6573% | 22 |
| Core capital (leverage) ratio | 81.6573% | 20 |
| Tier 1 risk-based capital ratio | 311.4943% | 20 |
| Total risk-based capital ratio | 311.4943% | 20 |
| Memoranda: | ||
| Average total assets | $5,264,670 | 7,511 |
| Average earning assets | $3,800,670 | 7,502 |
| Average equity | $4,221,670 | 6,770 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3854% | 7,536 |
| Cost of funding earning assets | 0.2131% | 7,469 |
| Net interest margin | 1.1722% | 7,523 |
| Noninterest income to average assets | 106.4479% | 10 |
| Noninterest expense to average assets | 102.0984% | 9 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 4.7310% | 54 |
| Return on assets (ROA) | 4.7310% | 55 |
| Pretax return on assets | 5.1889% | 73 |
| Return on Equity (ROE) | 5.9551% | 3,931 |
| Retained earnings to average equity (ytd only) | 5.9551% | 2,668 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1679% | 1,030 |
| Assets per employee ($millions) | 0.1438% | 7,555 |
| 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 | 9.3985% | 7,552 |
| Equity capital to assets | 78.8534% | 28 |
| Core capital (leverage) ratio | 78.8534% | 23 |
| Tier 1 risk-based capital ratio | 292.1309% | 21 |
| Total risk-based capital ratio | 292.1309% | 21 |
| Memoranda: | ||
| Average total assets | $5,242,000 | 7,572 |
| Average earning assets | $3,753,500 | 7,562 |
| Average equity | $4,164,500 | 6,823 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8390% | 7,568 |
| Cost of funding earning assets | 0.2102% | 7,548 |
| Net interest margin | 1.6288% | 7,531 |
| Noninterest income to average assets | 94.8195% | 13 |
| Noninterest expense to average assets | 87.3965% | 11 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 8.6342% | 19 |
| Return on assets (ROA) | 8.6342% | 20 |
| Pretax return on assets | 8.6342% | 25 |
| Return on Equity (ROE) | 10.5248% | 1,749 |
| Retained earnings to average equity (ytd only) | -2.3812% | 6,024 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2392% | 1,384 |
| Assets per employee ($millions) | 0.1396% | 7,636 |
| Cash dividends to net income (ytd only)* | 122.6244% | 238 |
| 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 | 9.6824% | 7,630 |
| Equity capital to assets | 80.0542% | 28 |
| Core capital (leverage) ratio | 80.0542% | 25 |
| Tier 1 risk-based capital ratio | 324.2353% | 22 |
| Total risk-based capital ratio | 324.2353% | 22 |
| Memoranda: | ||
| Average total assets | $5,119,200 | 7,656 |
| Average earning assets | $3,806,400 | 7,648 |
| Average equity | $4,199,600 | 6,918 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8679% | 7,697 |
| Cost of funding earning assets | 0.2075% | 7,673 |
| Net interest margin | 1.6604% | 7,647 |
| Noninterest income to average assets | 91.6969% | 14 |
| Noninterest expense to average assets | 86.2939% | 12 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 6.6560% | 24 |
| Return on assets (ROA) | 6.6560% | 24 |
| Pretax return on assets | 6.6560% | 34 |
| Return on Equity (ROE) | 8.0643% | 2,873 |
| Retained earnings to average equity (ytd only) | -0.5693% | 5,933 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9857% | 1,211 |
| Assets per employee ($millions) | 0.1509% | 7,739 |
| Cash dividends to net income (ytd only)* | 107.0590% | 296 |
| 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 | 9.7447% | 7,732 |
| Equity capital to assets | 82.2257% | 25 |
| Core capital (leverage) ratio | 82.2257% | 24 |
| Tier 1 risk-based capital ratio | 370.0877% | 20 |
| Total risk-based capital ratio | 370.0877% | 20 |
| Memoranda: | ||
| Average total assets | $5,108,000 | 7,759 |
| Average earning assets | $3,854,500 | 7,751 |
| Average equity | $4,216,000 | 7,001 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9294% | 7,772 |
| Cost of funding earning assets | 0.2031% | 7,746 |
| Net interest margin | 1.7263% | 7,709 |
| Noninterest income to average assets | 88.3472% | 15 |
| Noninterest expense to average assets | 83.7985% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 5.8820% | 27 |
| Return on assets (ROA) | 5.8820% | 27 |
| Pretax return on assets | 5.8820% | 40 |
| Return on Equity (ROE) | 7.1174% | 3,248 |
| Retained earnings to average equity (ytd only) | -5.8363% | 6,641 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7359% | 1,204 |
| Assets per employee ($millions) | 0.1601% | 7,808 |
| Cash dividends to net income (ytd only)* | 182.0000% | 133 |
| 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 | 10.0746% | 7,799 |
| Equity capital to assets | 82.9136% | 25 |
| Core capital (leverage) ratio | 82.9101% | 22 |
| Tier 1 risk-based capital ratio | 385.9287% | 17 |
| Total risk-based capital ratio | 385.9287% | 17 |
| Memoranda: | ||
| Average total assets | $5,100,330 | 7,828 |
| Average earning assets | $3,939,000 | 7,819 |
| Average equity | $4,215,000 | 7,040 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0182% | 7,873 |
| Cost of funding earning assets | 0.2018% | 7,853 |
| Net interest margin | 1.8163% | 7,770 |
| Noninterest income to average assets | 80.9441% | 17 |
| Noninterest expense to average assets | 78.6999% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.6371% | 60 |
| Return on assets (ROA) | 3.6371% | 63 |
| Pretax return on assets | 3.6371% | 93 |
| Return on Equity (ROE) | 4.4080% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.4080% | 3,508 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7970% | 1,145 |
| Assets per employee ($millions) | 0.1724% | 7,911 |
| 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 | 9.6674% | 7,900 |
| Equity capital to assets | 82.8886% | 24 |
| Core capital (leverage) ratio | 82.8389% | 22 |
| Tier 1 risk-based capital ratio | 372.4499% | 15 |
| Total risk-based capital ratio | 372.7114% | 15 |
| Memoranda: | ||
| Average total assets | $5,169,000 | 7,931 |
| Average earning assets | $3,964,000 | 7,922 |
| Average equity | $4,265,000 | 7,088 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2116% | 7,860 |
| Cost of funding earning assets | 0.4778% | 7,849 |
| Net interest margin | 2.7338% | 7,163 |
| Noninterest income to average assets | 81.1184% | 15 |
| Noninterest expense to average assets | 79.0285% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 4.1797% | 37 |
| Return on assets (ROA) | 4.1797% | 38 |
| Pretax return on assets | 4.1797% | 53 |
| Return on Equity (ROE) | 5.0305% | 3,655 |
| Retained earnings to average equity (ytd only) | 5.0305% | 1,805 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5628% | 1,521 |
| Assets per employee ($millions) | 0.1913% | 7,992 |
| 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 | 9.6787% | 7,976 |
| Equity capital to assets | 82.1332% | 26 |
| Core capital (leverage) ratio | 82.0463% | 23 |
| Tier 1 risk-based capital ratio | 368.7063% | 16 |
| Total risk-based capital ratio | 369.1434% | 16 |
| Memoranda: | ||
| Average total assets | $4,928,600 | 8,011 |
| Average earning assets | $3,767,600 | 8,003 |
| Average equity | $4,095,000 | 7,249 |
| Average total loans | NA | NA |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4314% | 7,944 |
| Cost of funding earning assets | 0.5718% | 7,901 |
| Net interest margin | 2.8593% | 6,940 |
| Noninterest income to average assets | 79.9281% | 15 |
| Noninterest expense to average assets | 79.1615% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 2.9573% | 64 |
| Return on assets (ROA) | 2.9573% | 69 |
| Pretax return on assets | 2.9573% | 111 |
| Return on Equity (ROE) | 3.5485% | 4,555 |
| Retained earnings to average equity (ytd only) | 3.5485% | 3,305 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.7312% | 1,419 |
| Assets per employee ($millions) | 0.1863% | 8,078 |
| 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 | 9.9404% | 8,063 |
| Equity capital to assets | 82.4254% | 28 |
| Core capital (leverage) ratio | 82.3058% | 26 |
| Tier 1 risk-based capital ratio | 364.5390% | 17 |
| Total risk-based capital ratio | 365.0709% | 17 |
| Memoranda: | ||
| Average total assets | $4,869,250 | 8,097 |
| Average earning assets | $3,730,250 | 8,089 |
| Average equity | $4,058,000 | 7,333 |
| Average total loans | NA | NA |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6787% | 7,999 |
| Cost of funding earning assets | 0.5951% | 7,992 |
| Net interest margin | 3.0836% | 6,299 |
| Noninterest income to average assets | 79.4490% | 15 |
| Noninterest expense to average assets | 79.5736% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.2427% | 179 |
| Return on assets (ROA) | 2.2427% | 199 |
| Pretax return on assets | 2.2427% | 327 |
| Return on Equity (ROE) | 2.6808% | 5,023 |
| Retained earnings to average equity (ytd only) | 2.6808% | 3,837 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1624% | 1,484 |
| Assets per employee ($millions) | 0.1875% | 8,173 |
| 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 | 10.2585% | 8,156 |
| Equity capital to assets | 83.9762% | 25 |
| Core capital (leverage) ratio | 83.8369% | 24 |
| Tier 1 risk-based capital ratio | 354.1084% | 16 |
| Total risk-based capital ratio | 354.7203% | 16 |
| Memoranda: | ||
| Average total assets | $4,815,670 | 8,192 |
| Average earning assets | $3,697,000 | 8,184 |
| Average equity | $4,028,670 | 7,405 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0437% | 7,973 |
| Cost of funding earning assets | 0.5464% | 8,079 |
| Net interest margin | 3.4973% | 4,748 |
| Noninterest income to average assets | 81.1449% | 15 |
| Noninterest expense to average assets | 80.8942% | 14 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.9249% | 74 |
| Return on assets (ROA) | 2.9249% | 88 |
| Pretax return on assets | 2.9249% | 138 |
| Return on Equity (ROE) | 3.5031% | 5,166 |
| Retained earnings to average equity (ytd only) | 3.5031% | 3,945 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3200% | 1,476 |
| Assets per employee ($millions) | 0.1845% | 8,225 |
| 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 | 10.4254% | 8,207 |
| Equity capital to assets | 83.6739% | 24 |
| Core capital (leverage) ratio | 83.4984% | 24 |
| Tier 1 risk-based capital ratio | 330.4420% | 19 |
| Total risk-based capital ratio | 331.1093% | 19 |
| Memoranda: | ||
| Average total assets | $4,786,500 | 8,243 |
| Average earning assets | $3,660,000 | 8,235 |
| Average equity | $3,996,500 | 7,458 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9596% | 7,864 |
| Cost of funding earning assets | 0.7041% | 8,147 |
| Net interest margin | 4.2554% | 2,103 |
| Noninterest income to average assets | 89.4907% | 16 |
| Noninterest expense to average assets | 85.5191% | 13 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 7.0048% | 26 |
| Return on assets (ROA) | 7.0048% | 27 |
| Pretax return on assets | 7.0048% | 35 |
| Return on Equity (ROE) | 8.5205% | 2,827 |
| Retained earnings to average equity (ytd only) | 2.8402% | 3,405 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7406% | 1,534 |
| Assets per employee ($millions) | 0.1911% | 8,278 |
| Cash dividends to net income (ytd only)* | 66.6667% | 2,338 |
| 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 | 10.4668% | 8,264 |
| Equity capital to assets | 83.3159% | 25 |
| Core capital (leverage) ratio | 83.1072% | 26 |
| Tier 1 risk-based capital ratio | 302.7799% | 26 |
| Total risk-based capital ratio | 303.3977% | 26 |
| Memoranda: | ||
| Average total assets | $4,582,600 | 8,301 |
| Average earning assets | $3,266,400 | 8,296 |
| Average equity | $3,767,400 | 7,590 |
| Average total loans | NA | NA |