Home > Cedar Hill National Bank > Performance and Condition Ratios
Cedar Hill National Bank, 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 | 3.7470% | 4,231 |
| Cost of funding earning assets | 0.0103% | 4,513 |
| Net interest margin | 3.7367% | 1,683 |
| Noninterest income to average assets | 15.2800% | 78 |
| Noninterest expense to average assets | 11.5444% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 4.8265% | 78 |
| Return on assets (ROA) | 4.8265% | 79 |
| Pretax return on assets | 6.1959% | 76 |
| Return on Equity (ROE) | 6.6100% | 3,387 |
| Retained earnings to average equity (ytd only) | 0.7519% | 3,888 |
| 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 | 65.0745% | 2,468 |
| Assets per employee ($millions) | 0.8107% | 4,499 |
| Cash dividends to net income (ytd only)* | 88.6236% | 401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 12.9800% | 4,509 |
| Equity capital to assets | 71.5510% | 114 |
| Core capital (leverage) ratio | 73.7733% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 109.7054% | 63 |
| Memoranda: | ||
| Average total assets | $14,751,800 | 4,545 |
| Average earning assets | $9,714,400 | 4,518 |
| Average equity | $10,772,600 | 3,643 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6954% | 4,214 |
| Cost of funding earning assets | 0.0146% | 4,540 |
| Net interest margin | 3.6808% | 1,818 |
| Noninterest income to average assets | 15.6200% | 77 |
| Noninterest expense to average assets | 11.8625% | 103 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 4.6975% | 91 |
| Return on assets (ROA) | 4.6975% | 91 |
| Pretax return on assets | 6.0592% | 77 |
| Return on Equity (ROE) | 6.4000% | 3,566 |
| Retained earnings to average equity (ytd only) | -1.4565% | 4,285 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.1907% | 2,253 |
| Assets per employee ($millions) | 0.8165% | 4,525 |
| Cash dividends to net income (ytd only)* | 122.7626% | 117 |
| 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 | 13.6100% | 4,538 |
| Equity capital to assets | 73.0557% | 115 |
| Core capital (leverage) ratio | 73.8771% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 113.7228% | 62 |
| Memoranda: | ||
| Average total assets | $14,589,000 | 4,570 |
| Average earning assets | $9,128,250 | 4,549 |
| Average equity | $10,710,500 | 3,652 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4436% | 4,392 |
| Cost of funding earning assets | 0.0000% | 4,571 |
| Net interest margin | 3.4436% | 2,408 |
| Noninterest income to average assets | 16.0200% | 75 |
| Noninterest expense to average assets | 11.9975% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 4.7550% | 76 |
| Return on assets (ROA) | 4.7550% | 77 |
| Pretax return on assets | 6.1568% | 71 |
| Return on Equity (ROE) | 6.4700% | 3,580 |
| Retained earnings to average equity (ytd only) | -5.3263% | 4,431 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.0863% | 2,227 |
| Assets per employee ($millions) | 0.7578% | 4,560 |
| Cash dividends to net income (ytd only)* | 182.3699% | 60 |
| 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 | 13.8900% | 4,562 |
| Equity capital to assets | 73.2324% | 109 |
| Core capital (leverage) ratio | 72.0419% | 63 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 146.2394% | 52 |
| Memoranda: | ||
| Average total assets | $14,553,000 | 4,600 |
| Average earning assets | $9,002,333 | 4,576 |
| Average equity | $10,701,667 | 3,658 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0339% | 4,555 |
| Cost of funding earning assets | 0.0000% | 4,615 |
| Net interest margin | 3.0339% | 3,516 |
| Noninterest income to average assets | 16.3500% | 76 |
| Noninterest expense to average assets | 11.9476% | 98 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 5.0032% | 78 |
| Return on assets (ROA) | 5.0032% | 78 |
| Pretax return on assets | 6.4249% | 72 |
| Return on Equity (ROE) | 6.7900% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.7900% | 2,553 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.0298% | 2,323 |
| Assets per employee ($millions) | 0.8159% | 4,621 |
| 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 | 13.6200% | 4,609 |
| Equity capital to assets | 73.4595% | 63 |
| Core capital (leverage) ratio | 74.8788% | 58 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 117.1317% | 56 |
| Memoranda: | ||
| Average total assets | $14,630,500 | 4,662 |
| Average earning assets | $9,756,500 | 4,642 |
| Average equity | $10,780,500 | 3,693 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3248% | 4,670 |
| Cost of funding earning assets | 0.0093% | 4,638 |
| Net interest margin | 1.3155% | 4,649 |
| Noninterest income to average assets | 15.1800% | 81 |
| Noninterest expense to average assets | 12.1258% | 97 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 3.1384% | 103 |
| Return on assets (ROA) | 3.1384% | 102 |
| Pretax return on assets | 4.0878% | 88 |
| Return on Equity (ROE) | 4.0100% | 4,164 |
| Retained earnings to average equity (ytd only) | -1.4998% | 4,465 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 74.7877% | 1,142 |
| Assets per employee ($millions) | 0.8573% | 4,651 |
| Cash dividends to net income (ytd only)* | 137.4134% | 95 |
| 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 | 13.7200% | 4,642 |
| Equity capital to assets | 73.9124% | 67 |
| Core capital (leverage) ratio | 75.2321% | 60 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 120.0856% | 59 |
| Memoranda: | ||
| Average total assets | $13,797,000 | 4,698 |
| Average earning assets | $10,794,200 | 4,673 |
| Average equity | $10,801,600 | 3,781 |
| Average total loans | $0 | 4,639 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1088% | 4,695 |
| Cost of funding earning assets | 0.0122% | 4,673 |
| Net interest margin | 1.0966% | 4,686 |
| Noninterest income to average assets | 15.2200% | 82 |
| Noninterest expense to average assets | 12.3207% | 93 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 2.8719% | 113 |
| Return on assets (ROA) | 2.8719% | 110 |
| Pretax return on assets | 3.7835% | 91 |
| Return on Equity (ROE) | 3.6100% | 4,217 |
| Retained earnings to average equity (ytd only) | -3.7252% | 4,566 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 76.5064% | 1,034 |
| Assets per employee ($millions) | 0.8454% | 4,691 |
| Cash dividends to net income (ytd only)* | 203.0717% | 48 |
| 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 | 14.7900% | 4,681 |
| Equity capital to assets | 78.2937% | 63 |
| Core capital (leverage) ratio | 78.1929% | 63 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 142.1240% | 52 |
| Memoranda: | ||
| Average total assets | $13,602,750 | 4,735 |
| Average earning assets | $10,942,500 | 4,711 |
| Average equity | $10,809,000 | 3,830 |
| Average total loans | $0 | 4,681 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9443% | 4,740 |
| Cost of funding earning assets | 0.0000% | 4,753 |
| Net interest margin | 0.9443% | 4,734 |
| Noninterest income to average assets | 15.1088% | 43 |
| Noninterest expense to average assets | 12.2622% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 2.6860% | 92 |
| Return on assets (ROA) | 2.6860% | 86 |
| Pretax return on assets | 3.6057% | 67 |
| Return on Equity (ROE) | 3.3212% | 4,167 |
| Retained earnings to average equity (ytd only) | 3.3212% | 3,340 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2769% | 1,148 |
| Assets per employee ($millions) | 0.6919% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 15.2138% | 4,748 |
| Equity capital to assets | 84.5885% | 22 |
| Core capital (leverage) ratio | 88.2348% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 150.9967% | 21 |
| Memoranda: | ||
| Average total assets | $13,700,667 | 4,765 |
| Average earning assets | $11,013,000 | 4,754 |
| Average equity | $11,080,333 | 3,884 |
| Average total loans | NA | NA |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0099% | 4,762 |
| Cost of funding earning assets | 0.0000% | 4,770 |
| Net interest margin | 1.0099% | 4,751 |
| Noninterest income to average assets | 14.0507% | 44 |
| Noninterest expense to average assets | 11.7900% | 59 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 2.1748% | 166 |
| Return on assets (ROA) | 2.1748% | 166 |
| Pretax return on assets | 3.0620% | 98 |
| Return on Equity (ROE) | 2.7485% | 4,149 |
| Retained earnings to average equity (ytd only) | 2.7485% | 3,351 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3834% | 1,193 |
| Assets per employee ($millions) | 0.7004% | 4,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 14.2776% | 4,776 |
| Equity capital to assets | 78.7836% | 23 |
| Core capital (leverage) ratio | 86.1514% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 140.5810% | 22 |
| Memoranda: | ||
| Average total assets | $13,978,000 | 4,791 |
| Average earning assets | $11,090,000 | 4,779 |
| Average equity | $11,060,500 | 3,950 |
| Average total loans | NA | NA |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4389% | 4,752 |
| Cost of funding earning assets | 0.0090% | 4,803 |
| Net interest margin | 1.4299% | 4,732 |
| Noninterest income to average assets | 13.5472% | 50 |
| Noninterest expense to average assets | 11.0913% | 66 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 2.8088% | 116 |
| Return on assets (ROA) | 2.8088% | 119 |
| Pretax return on assets | 3.6011% | 97 |
| Return on Equity (ROE) | 3.5630% | 4,282 |
| Retained earnings to average equity (ytd only) | 3.5630% | 3,401 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4902% | 1,157 |
| Assets per employee ($millions) | 0.6974% | 4,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,813 |
| Net loans and leases to deposits | 0.0000% | 4,812 |
| Net loans and leases to core deposits | 0.0000% | 4,801 |
| Total domestic deposits to total assets | 14.3390% | 4,821 |
| Equity capital to assets | 79.4738% | 21 |
| Core capital (leverage) ratio | 84.0691% | 15 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 134.2888% | 21 |
| Memoranda: | ||
| Average total assets | $13,884,800 | 4,833 |
| Average earning assets | $11,119,400 | 4,822 |
| Average equity | $10,945,800 | 4,044 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5915% | 4,823 |
| Cost of funding earning assets | 0.0121% | 4,874 |
| Net interest margin | 1.5795% | 4,794 |
| Noninterest income to average assets | 13.0840% | 56 |
| Noninterest expense to average assets | 11.0556% | 64 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 2.2400% | 298 |
| Return on assets (ROA) | 2.2400% | 317 |
| Pretax return on assets | 3.2878% | 137 |
| Return on Equity (ROE) | 2.8472% | 4,482 |
| Retained earnings to average equity (ytd only) | 2.8472% | 3,950 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0777% | 952 |
| Assets per employee ($millions) | 0.6977% | 4,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,885 |
| Net loans and leases to deposits | 0.0000% | 4,885 |
| Net loans and leases to core deposits | 0.0000% | 4,874 |
| Total domestic deposits to total assets | 14.3328% | 4,896 |
| Equity capital to assets | 78.6584% | 21 |
| Core capital (leverage) ratio | 83.6147% | 22 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 128.9889% | 25 |
| Memoranda: | ||
| Average total assets | $13,869,000 | 4,907 |
| Average earning assets | $11,058,250 | 4,896 |
| Average equity | $10,911,000 | 4,102 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7198% | 4,849 |
| Cost of funding earning assets | 0.0183% | 4,902 |
| Net interest margin | 1.7015% | 4,807 |
| Noninterest income to average assets | 12.8751% | 56 |
| Noninterest expense to average assets | 9.8839% | 73 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 3.2657% | 103 |
| Return on assets (ROA) | 3.2657% | 106 |
| Pretax return on assets | 4.3351% | 78 |
| Return on Equity (ROE) | 4.1509% | 4,307 |
| Retained earnings to average equity (ytd only) | 4.1509% | 3,478 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5122% | 1,703 |
| Assets per employee ($millions) | 0.6978% | 4,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 14.3318% | 4,932 |
| Equity capital to assets | 78.6958% | 23 |
| Core capital (leverage) ratio | 84.2357% | 22 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 128.3652% | 22 |
| Memoranda: | ||
| Average total assets | $13,840,667 | 4,943 |
| Average earning assets | $10,931,667 | 4,933 |
| Average equity | $10,889,333 | 4,112 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1395% | 4,806 |
| Cost of funding earning assets | 0.0375% | 4,901 |
| Net interest margin | 2.1020% | 4,678 |
| Noninterest income to average assets | 12.5808% | 57 |
| Noninterest expense to average assets | 10.0530% | 69 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | -1.1041% | 4,932 |
| Return on assets (ROA) | -1.1041% | 4,932 |
| Pretax return on assets | 4.1549% | 96 |
| Return on Equity (ROE) | -1.3968% | 4,841 |
| Retained earnings to average equity (ytd only) | -1.3968% | 4,502 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7566% | 1,626 |
| Assets per employee ($millions) | 0.6924% | 4,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 14.4436% | 4,959 |
| Equity capital to assets | 78.3419% | 22 |
| Core capital (leverage) ratio | 84.0097% | 21 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 145.5404% | 23 |
| Memoranda: | ||
| Average total assets | $13,767,000 | 4,969 |
| Average earning assets | $10,656,500 | 4,961 |
| Average equity | $10,882,000 | 4,122 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2314% | 4,890 |
| Cost of funding earning assets | 0.0093% | 4,976 |
| Net interest margin | 2.2221% | 4,748 |
| Noninterest income to average assets | 14.2951% | 56 |
| Noninterest expense to average assets | 11.9786% | 63 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 3.8409% | 62 |
| Return on assets (ROA) | 3.8409% | 63 |
| Pretax return on assets | 4.1025% | 72 |
| Return on Equity (ROE) | 4.8351% | 3,947 |
| Retained earnings to average equity (ytd only) | 4.8351% | 2,353 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4888% | 1,384 |
| Assets per employee ($millions) | 0.6844% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 14.6124% | 4,981 |
| Equity capital to assets | 79.7545% | 21 |
| Core capital (leverage) ratio | 85.7075% | 17 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 135.8945% | 22 |
| Memoranda: | ||
| Average total assets | $13,382,200 | 4,991 |
| Average earning assets | $10,755,400 | 4,981 |
| Average equity | $10,630,600 | 4,138 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4511% | 4,909 |
| Cost of funding earning assets | 0.0125% | 5,011 |
| Net interest margin | 2.4386% | 4,700 |
| Noninterest income to average assets | 14.5595% | 51 |
| Noninterest expense to average assets | 12.6556% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 3.5472% | 67 |
| Return on assets (ROA) | 3.5472% | 69 |
| Pretax return on assets | 3.8578% | 74 |
| Return on Equity (ROE) | 4.4699% | 4,037 |
| Retained earnings to average equity (ytd only) | 4.4699% | 2,816 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6383% | 1,142 |
| Assets per employee ($millions) | 0.6796% | 5,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 14.7156% | 5,013 |
| Equity capital to assets | 79.2730% | 21 |
| Core capital (leverage) ratio | 84.8786% | 19 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 135.6353% | 25 |
| Memoranda: | ||
| Average total assets | $13,306,000 | 5,023 |
| Average earning assets | $10,661,500 | 5,013 |
| Average equity | $10,559,250 | 4,144 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8015% | 4,908 |
| Cost of funding earning assets | 0.0192% | 5,041 |
| Net interest margin | 2.7823% | 4,475 |
| Noninterest income to average assets | 14.8513% | 48 |
| Noninterest expense to average assets | 13.1103% | 55 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 3.5879% | 59 |
| Return on assets (ROA) | 3.5879% | 62 |
| Pretax return on assets | 3.9361% | 64 |
| Return on Equity (ROE) | 4.5196% | 3,968 |
| Retained earnings to average equity (ytd only) | 4.5196% | 2,697 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9094% | 1,166 |
| Assets per employee ($millions) | 0.6107% | 5,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 14.8865% | 5,046 |
| Equity capital to assets | 79.4194% | 21 |
| Core capital (leverage) ratio | 84.1069% | 20 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 145.5361% | 24 |
| Memoranda: | ||
| Average total assets | $13,211,000 | 5,054 |
| Average earning assets | $10,423,000 | 5,046 |
| Average equity | $10,487,667 | 4,168 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1478% | 4,894 |
| Cost of funding earning assets | 0.0000% | 5,101 |
| Net interest margin | 3.1478% | 3,990 |
| Noninterest income to average assets | 16.2761% | 43 |
| Noninterest expense to average assets | 14.9019% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 2.8704% | 77 |
| Return on assets (ROA) | 2.8704% | 82 |
| Pretax return on assets | 3.9392% | 53 |
| Return on Equity (ROE) | 3.6166% | 4,063 |
| Retained earnings to average equity (ytd only) | 3.6166% | 2,839 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0924% | 1,227 |
| Assets per employee ($millions) | 0.5053% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 15.2230% | 5,092 |
| Equity capital to assets | 79.4641% | 27 |
| Core capital (leverage) ratio | 83.8965% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 137.1293% | 29 |
| Memoranda: | ||
| Average total assets | $13,099,000 | 5,103 |
| Average earning assets | $10,674,000 | 5,096 |
| Average equity | $10,396,500 | 4,195 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3587% | 5,130 |
| Cost of funding earning assets | 0.0193% | 5,157 |
| Net interest margin | 2.3393% | 5,025 |
| Noninterest income to average assets | 19.3021% | 38 |
| Noninterest expense to average assets | 14.9364% | 46 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 5.1946% | 37 |
| Return on assets (ROA) | 5.1946% | 40 |
| Pretax return on assets | 6.2762% | 39 |
| Return on Equity (ROE) | 6.5812% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.5812% | 1,572 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4131% | 2,109 |
| Assets per employee ($millions) | 0.5023% | 5,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 15.3139% | 5,152 |
| Equity capital to assets | 79.2726% | 28 |
| Core capital (leverage) ratio | 84.1757% | 24 |
| Tier 1 risk-based capital ratio | 132.0651% | 35 |
| Total risk-based capital ratio | 132.0651% | 36 |
| Memoranda: | ||
| Average total assets | $12,667,000 | 5,167 |
| Average earning assets | $10,344,800 | 5,158 |
| Average equity | $9,998,200 | 4,242 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3788% | 5,220 |
| Cost of funding earning assets | 0.0129% | 5,239 |
| Net interest margin | 2.3658% | 5,115 |
| Noninterest income to average assets | 19.4127% | 36 |
| Noninterest expense to average assets | 15.3923% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 4.9434% | 37 |
| Return on assets (ROA) | 4.9434% | 39 |
| Pretax return on assets | 5.9618% | 41 |
| Return on Equity (ROE) | 6.2699% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.2699% | 2,237 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0815% | 1,828 |
| Assets per employee ($millions) | 0.4965% | 5,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 15.4943% | 5,235 |
| Equity capital to assets | 78.8658% | 23 |
| Core capital (leverage) ratio | 84.1961% | 24 |
| Tier 1 risk-based capital ratio | 129.8216% | 37 |
| Total risk-based capital ratio | 129.8216% | 37 |
| Memoranda: | ||
| Average total assets | $12,568,750 | 5,244 |
| Average earning assets | $10,313,250 | 5,236 |
| Average equity | $9,909,500 | 4,294 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5358% | 5,267 |
| Cost of funding earning assets | 0.0195% | 5,283 |
| Net interest margin | 2.5163% | 5,119 |
| Noninterest income to average assets | 19.5252% | 36 |
| Noninterest expense to average assets | 15.2702% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 5.2988% | 32 |
| Return on assets (ROA) | 5.2988% | 35 |
| Pretax return on assets | 6.3264% | 35 |
| Return on Equity (ROE) | 6.7214% | 3,779 |
| Retained earnings to average equity (ytd only) | 6.7214% | 1,937 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7063% | 2,119 |
| Assets per employee ($millions) | 0.5519% | 5,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 15.7567% | 5,282 |
| Equity capital to assets | 78.9411% | 25 |
| Core capital (leverage) ratio | 84.1369% | 24 |
| Tier 1 risk-based capital ratio | 123.3259% | 35 |
| Total risk-based capital ratio | 123.3259% | 35 |
| Memoranda: | ||
| Average total assets | $12,455,670 | 5,290 |
| Average earning assets | $10,253,000 | 5,283 |
| Average equity | $9,819,330 | 4,326 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3942% | 5,342 |
| Cost of funding earning assets | 0.0392% | 5,335 |
| Net interest margin | 2.3549% | 5,237 |
| Noninterest income to average assets | 20.7506% | 38 |
| Noninterest expense to average assets | 18.0919% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 4.5068% | 46 |
| Return on assets (ROA) | 4.5068% | 49 |
| Pretax return on assets | 4.6040% | 56 |
| Return on Equity (ROE) | 5.7208% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.7208% | 2,583 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7143% | 1,087 |
| Assets per employee ($millions) | 0.4978% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | 0.0000% | 5,323 |
| Total domestic deposits to total assets | 16.0707% | 5,339 |
| Equity capital to assets | 78.7626% | 25 |
| Core capital (leverage) ratio | 79.0728% | 24 |
| Tier 1 risk-based capital ratio | 121.1634% | 36 |
| Total risk-based capital ratio | 121.1634% | 36 |
| Memoranda: | ||
| Average total assets | $12,337,000 | 5,349 |
| Average earning assets | $10,191,500 | 5,341 |
| Average equity | $9,719,000 | 4,365 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9626% | 5,370 |
| Cost of funding earning assets | 0.0236% | 5,382 |
| Net interest margin | 1.9390% | 5,340 |
| Noninterest income to average assets | 23.0007% | 38 |
| Noninterest expense to average assets | 18.5775% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 4.4831% | 40 |
| Return on assets (ROA) | 4.4232% | 41 |
| Pretax return on assets | 5.7291% | 40 |
| Return on Equity (ROE) | 5.6174% | 4,286 |
| Retained earnings to average equity (ytd only) | 5.6174% | 2,408 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1921% | 1,333 |
| Assets per employee ($millions) | 0.4892% | 5,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 16.3546% | 5,382 |
| Equity capital to assets | 78.7963% | 26 |
| Core capital (leverage) ratio | 78.7708% | 25 |
| Tier 1 risk-based capital ratio | 127.9295% | 36 |
| Total risk-based capital ratio | 127.9295% | 36 |
| Memoranda: | ||
| Average total assets | $11,869,200 | 5,395 |
| Average earning assets | $8,458,000 | 5,389 |
| Average equity | $9,346,000 | 4,415 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8575% | 5,447 |
| Cost of funding earning assets | 0.0165% | 5,456 |
| Net interest margin | 1.8409% | 5,422 |
| Noninterest income to average assets | 23.5210% | 37 |
| Noninterest expense to average assets | 19.5593% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 4.1564% | 50 |
| Return on assets (ROA) | 4.0749% | 50 |
| Pretax return on assets | 5.1162% | 44 |
| Return on Equity (ROE) | 5.1759% | 4,506 |
| Retained earnings to average equity (ytd only) | 5.1759% | 3,131 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9402% | 1,032 |
| Assets per employee ($millions) | 0.4804% | 5,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 16.6542% | 5,455 |
| Equity capital to assets | 78.7576% | 24 |
| Core capital (leverage) ratio | 80.9508% | 24 |
| Tier 1 risk-based capital ratio | 120.7819% | 34 |
| Total risk-based capital ratio | 120.7819% | 34 |
| Memoranda: | ||
| Average total assets | $11,779,250 | 5,465 |
| Average earning assets | $8,039,500 | 5,463 |
| Average equity | $9,273,500 | 4,465 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8488% | 5,510 |
| Cost of funding earning assets | 0.0272% | 5,510 |
| Net interest margin | 1.8216% | 5,488 |
| Noninterest income to average assets | 23.2767% | 38 |
| Noninterest expense to average assets | 19.2264% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 4.1071% | 43 |
| Return on assets (ROA) | 3.9991% | 45 |
| Pretax return on assets | 5.0587% | 42 |
| Return on Equity (ROE) | 5.0803% | 4,529 |
| Retained earnings to average equity (ytd only) | 5.0803% | 3,031 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7264% | 1,142 |
| Assets per employee ($millions) | 0.4563% | 5,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,515 |
| Net loans and leases to deposits | 0.0000% | 5,515 |
| Net loans and leases to core deposits | 0.0000% | 5,504 |
| Total domestic deposits to total assets | 16.8591% | 5,517 |
| Equity capital to assets | 78.7828% | 28 |
| Core capital (leverage) ratio | 78.4463% | 29 |
| Tier 1 risk-based capital ratio | 127.6210% | 37 |
| Total risk-based capital ratio | 127.6210% | 37 |
| Memoranda: | ||
| Average total assets | $11,702,670 | 5,530 |
| Average earning assets | $7,356,000 | 5,531 |
| Average equity | $9,212,000 | 4,510 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8453% | 5,575 |
| Cost of funding earning assets | 0.0615% | 5,532 |
| Net interest margin | 1.7838% | 5,557 |
| Noninterest income to average assets | 23.5405% | 35 |
| Noninterest expense to average assets | 20.7529% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 2.8565% | 87 |
| Return on assets (ROA) | 2.8565% | 88 |
| Pretax return on assets | 3.7858% | 65 |
| Return on Equity (ROE) | 3.6304% | 4,860 |
| Retained earnings to average equity (ytd only) | 3.6304% | 3,749 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5722% | 758 |
| Assets per employee ($millions) | 0.4322% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | 0.0000% | 5,567 |
| Total domestic deposits to total assets | 17.1394% | 5,581 |
| Equity capital to assets | 78.6871% | 28 |
| Core capital (leverage) ratio | 79.7817% | 26 |
| Tier 1 risk-based capital ratio | 187.5000% | 26 |
| Total risk-based capital ratio | 187.5000% | 26 |
| Memoranda: | ||
| Average total assets | $11,622,500 | 5,593 |
| Average earning assets | $6,503,000 | 5,595 |
| Average equity | $9,145,000 | 4,564 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1710% | 5,647 |
| Cost of funding earning assets | 0.0255% | 5,636 |
| Net interest margin | 1.1455% | 5,640 |
| Noninterest income to average assets | 24.6596% | 36 |
| Noninterest expense to average assets | 20.6290% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 2.8487% | 83 |
| Return on assets (ROA) | 2.8487% | 81 |
| Pretax return on assets | 4.8243% | 51 |
| Return on Equity (ROE) | 3.6169% | 4,643 |
| Retained earnings to average equity (ytd only) | 3.6169% | 3,095 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0464% | 1,011 |
| Assets per employee ($millions) | 0.4287% | 5,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 17.2771% | 5,646 |
| Equity capital to assets | 78.6800% | 26 |
| Core capital (leverage) ratio | 81.1650% | 21 |
| Tier 1 risk-based capital ratio | 178.9257% | 25 |
| Total risk-based capital ratio | 178.9257% | 25 |
| Memoranda: | ||
| Average total assets | $11,338,400 | 5,660 |
| Average earning assets | $7,856,800 | 5,655 |
| Average equity | $8,930,400 | 4,625 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1329% | 5,721 |
| Cost of funding earning assets | 0.0164% | 5,711 |
| Net interest margin | 1.1164% | 5,714 |
| Noninterest income to average assets | 24.7533% | 38 |
| Noninterest expense to average assets | 21.3371% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 2.4115% | 153 |
| Return on assets (ROA) | 2.4115% | 155 |
| Pretax return on assets | 4.2201% | 68 |
| Return on Equity (ROE) | 3.0609% | 5,092 |
| Retained earnings to average equity (ytd only) | 3.0609% | 4,084 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4875% | 797 |
| Assets per employee ($millions) | 0.4256% | 5,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 17.4034% | 5,713 |
| Equity capital to assets | 78.4633% | 26 |
| Core capital (leverage) ratio | 80.5292% | 26 |
| Tier 1 risk-based capital ratio | 164.1998% | 29 |
| Total risk-based capital ratio | 164.1998% | 29 |
| Memoranda: | ||
| Average total assets | $11,279,000 | 5,725 |
| Average earning assets | $8,120,500 | 5,719 |
| Average equity | $8,886,000 | 4,683 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1496% | 5,767 |
| Cost of funding earning assets | 0.0245% | 5,748 |
| Net interest margin | 1.1251% | 5,765 |
| Noninterest income to average assets | 24.3933% | 38 |
| Noninterest expense to average assets | 20.8066% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 2.4090% | 148 |
| Return on assets (ROA) | 2.4090% | 148 |
| Pretax return on assets | 4.4076% | 65 |
| Return on Equity (ROE) | 3.0535% | 5,107 |
| Retained earnings to average equity (ytd only) | 3.0535% | 3,894 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5195% | 956 |
| Assets per employee ($millions) | 0.4050% | 5,760 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 17.6351% | 5,763 |
| Equity capital to assets | 78.8290% | 27 |
| Core capital (leverage) ratio | 78.5156% | 29 |
| Tier 1 risk-based capital ratio | 161.1211% | 29 |
| Total risk-based capital ratio | 161.1211% | 29 |
| Memoranda: | ||
| Average total assets | $11,208,000 | 5,774 |
| Average earning assets | $8,177,000 | 5,768 |
| Average equity | $8,842,330 | 4,711 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0447% | 5,839 |
| Cost of funding earning assets | 0.0000% | 5,834 |
| Net interest margin | 1.0447% | 5,835 |
| Noninterest income to average assets | 23.9465% | 38 |
| Noninterest expense to average assets | 22.2232% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7898% | 3,269 |
| Return on assets (ROA) | 0.7898% | 3,326 |
| Pretax return on assets | 2.4772% | 221 |
| Return on Equity (ROE) | 1.0007% | 5,492 |
| Retained earnings to average equity (ytd only) | 1.0007% | 4,658 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9709% | 560 |
| Assets per employee ($millions) | 0.3861% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 17.8619% | 5,830 |
| Equity capital to assets | 78.7532% | 31 |
| Core capital (leverage) ratio | 78.4254% | 28 |
| Tier 1 risk-based capital ratio | 152.7254% | 31 |
| Total risk-based capital ratio | 152.7254% | 32 |
| Memoranda: | ||
| Average total assets | $11,141,500 | 5,841 |
| Average earning assets | $8,040,500 | 5,838 |
| Average equity | $8,793,500 | 4,752 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0378% | 5,884 |
| Cost of funding earning assets | 0.0127% | 5,880 |
| Net interest margin | 1.0251% | 5,878 |
| Noninterest income to average assets | 26.6314% | 37 |
| Noninterest expense to average assets | 21.4749% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 4.0863% | 47 |
| Return on assets (ROA) | 4.0863% | 48 |
| Pretax return on assets | 5.8729% | 39 |
| Return on Equity (ROE) | 5.1437% | 4,350 |
| Retained earnings to average equity (ytd only) | -0.7014% | 5,410 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5252% | 1,620 |
| Assets per employee ($millions) | 0.3959% | 5,888 |
| Cash dividends to net income (ytd only)* | 113.6364% | 255 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 18.0408% | 5,888 |
| Equity capital to assets | 79.0998% | 27 |
| Core capital (leverage) ratio | 76.0408% | 25 |
| Tier 1 risk-based capital ratio | 160.2767% | 27 |
| Total risk-based capital ratio | 160.2767% | 27 |
| Memoranda: | ||
| Average total assets | $11,306,200 | 5,899 |
| Average earning assets | $7,901,400 | 5,897 |
| Average equity | $8,981,800 | 4,769 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9935% | 5,953 |
| Cost of funding earning assets | 0.0168% | 5,943 |
| Net interest margin | 0.9767% | 5,949 |
| Noninterest income to average assets | 26.4753% | 36 |
| Noninterest expense to average assets | 21.7928% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 3.5794% | 60 |
| Return on assets (ROA) | 3.5794% | 61 |
| Pretax return on assets | 5.3631% | 46 |
| Return on Equity (ROE) | 4.5009% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.5009% | 3,135 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2506% | 1,412 |
| Assets per employee ($millions) | 0.3976% | 5,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 17.3461% | 5,956 |
| Equity capital to assets | 79.6271% | 25 |
| Core capital (leverage) ratio | 78.7616% | 24 |
| Tier 1 risk-based capital ratio | 156.0756% | 29 |
| Total risk-based capital ratio | 156.0756% | 29 |
| Memoranda: | ||
| Average total assets | $11,361,250 | 5,965 |
| Average earning assets | $7,917,750 | 5,962 |
| Average equity | $9,035,000 | 4,799 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0257% | 6,031 |
| Cost of funding earning assets | 0.0256% | 6,012 |
| Net interest margin | 1.0000% | 6,026 |
| Noninterest income to average assets | 27.2092% | 35 |
| Noninterest expense to average assets | 21.8841% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 4.0159% | 55 |
| Return on assets (ROA) | 4.0159% | 54 |
| Pretax return on assets | 6.0150% | 41 |
| Return on Equity (ROE) | 5.0521% | 4,493 |
| Retained earnings to average equity (ytd only) | 5.0521% | 2,704 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4401% | 1,724 |
| Assets per employee ($millions) | 0.4079% | 6,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 17.5131% | 6,034 |
| Equity capital to assets | 79.8511% | 26 |
| Core capital (leverage) ratio | 78.4150% | 27 |
| Tier 1 risk-based capital ratio | 152.3371% | 32 |
| Total risk-based capital ratio | 152.3371% | 32 |
| Memoranda: | ||
| Average total assets | $11,305,000 | 6,042 |
| Average earning assets | $7,799,670 | 6,041 |
| Average equity | $8,986,330 | 4,848 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9577% | 6,100 |
| Cost of funding earning assets | 0.0000% | 6,095 |
| Net interest margin | 0.9577% | 6,096 |
| Noninterest income to average assets | 26.6015% | 35 |
| Noninterest expense to average assets | 23.0096% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 3.1651% | 82 |
| Return on assets (ROA) | 3.1651% | 83 |
| Pretax return on assets | 4.2676% | 67 |
| Return on Equity (ROE) | 3.9910% | 4,893 |
| Retained earnings to average equity (ytd only) | 3.9910% | 3,495 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3546% | 1,126 |
| Assets per employee ($millions) | 0.3621% | 6,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 17.8174% | 6,097 |
| Equity capital to assets | 79.9109% | 29 |
| Core capital (leverage) ratio | 76.8360% | 26 |
| Tier 1 risk-based capital ratio | 145.2010% | 33 |
| Total risk-based capital ratio | 145.2010% | 33 |
| Memoranda: | ||
| Average total assets | $11,247,500 | 6,104 |
| Average earning assets | $7,935,500 | 6,104 |
| Average equity | $8,920,000 | 4,880 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8547% | 6,149 |
| Cost of funding earning assets | 0.0124% | 6,149 |
| Net interest margin | 0.8423% | 6,146 |
| Noninterest income to average assets | 26.6953% | 33 |
| Noninterest expense to average assets | 20.9932% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 4.0611% | 57 |
| Return on assets (ROA) | 4.0611% | 59 |
| Pretax return on assets | 6.2656% | 39 |
| Return on Equity (ROE) | 5.3574% | 4,344 |
| Retained earnings to average equity (ytd only) | -2.0227% | 5,753 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0143% | 2,114 |
| Assets per employee ($millions) | 0.3635% | 6,158 |
| Cash dividends to net income (ytd only)* | 137.7551% | 188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 17.7462% | 6,156 |
| Equity capital to assets | 78.7045% | 29 |
| Core capital (leverage) ratio | 72.3187% | 28 |
| Tier 1 risk-based capital ratio | 145.2178% | 33 |
| Total risk-based capital ratio | 145.2178% | 33 |
| Memoranda: | ||
| Average total assets | $12,065,800 | 6,160 |
| Average earning assets | $8,073,400 | 6,165 |
| Average equity | $9,146,200 | 4,811 |
| Average total loans | NA | NA |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8334% | 6,244 |
| Cost of funding earning assets | 0.0163% | 6,232 |
| Net interest margin | 0.8171% | 6,240 |
| Noninterest income to average assets | 26.1230% | 34 |
| Noninterest expense to average assets | 21.1659% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 3.8700% | 58 |
| Return on assets (ROA) | 3.8700% | 58 |
| Pretax return on assets | 5.5007% | 48 |
| Return on Equity (ROE) | 5.1507% | 4,556 |
| Retained earnings to average equity (ytd only) | 5.1507% | 2,808 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3722% | 1,746 |
| Assets per employee ($millions) | 0.3805% | 6,245 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,236 |
| Net loans and leases to deposits | 0.0000% | 6,236 |
| Net loans and leases to core deposits | 0.0000% | 6,224 |
| Total domestic deposits to total assets | 16.9549% | 6,243 |
| Equity capital to assets | 79.9424% | 27 |
| Core capital (leverage) ratio | 75.0898% | 29 |
| Tier 1 risk-based capital ratio | 149.1676% | 34 |
| Total risk-based capital ratio | 149.1676% | 34 |
| Memoranda: | ||
| Average total assets | $12,264,750 | 6,246 |
| Average earning assets | $8,159,500 | 6,252 |
| Average equity | $9,215,250 | 4,862 |
| Average total loans | NA | NA |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8390% | 6,322 |
| Cost of funding earning assets | 0.0247% | 6,300 |
| Net interest margin | 0.8143% | 6,317 |
| Noninterest income to average assets | 26.0688% | 37 |
| Noninterest expense to average assets | 21.1416% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 3.0432% | 90 |
| Return on assets (ROA) | 3.0432% | 91 |
| Pretax return on assets | 5.4585% | 53 |
| Return on Equity (ROE) | 4.1340% | 4,964 |
| Retained earnings to average equity (ytd only) | 4.1340% | 3,391 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4794% | 1,841 |
| Assets per employee ($millions) | 0.4048% | 6,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 15.9375% | 6,319 |
| Equity capital to assets | 73.7270% | 32 |
| Core capital (leverage) ratio | 68.2849% | 34 |
| Tier 1 risk-based capital ratio | 132.0520% | 34 |
| Total risk-based capital ratio | 132.0520% | 36 |
| Memoranda: | ||
| Average total assets | $12,421,000 | 6,323 |
| Average earning assets | $8,104,670 | 6,326 |
| Average equity | $9,143,670 | 4,913 |
| Average total loans | NA | NA |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8936% | 6,394 |
| Cost of funding earning assets | 0.0000% | 6,393 |
| Net interest margin | 0.8936% | 6,391 |
| Noninterest income to average assets | 22.0766% | 39 |
| Noninterest expense to average assets | 21.0083% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0359% | 2,093 |
| Return on assets (ROA) | 1.0359% | 2,244 |
| Pretax return on assets | 1.6509% | 1,152 |
| Return on Equity (ROE) | 1.4082% | 5,827 |
| Retained earnings to average equity (ytd only) | 1.4082% | 4,921 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.7143% | 668 |
| Assets per employee ($millions) | 0.4021% | 6,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 16.0436% | 6,390 |
| Equity capital to assets | 73.0387% | 34 |
| Core capital (leverage) ratio | 67.7636% | 33 |
| Tier 1 risk-based capital ratio | 129.2301% | 41 |
| Total risk-based capital ratio | 129.2301% | 41 |
| Memoranda: | ||
| Average total assets | $12,357,000 | 6,392 |
| Average earning assets | $8,057,500 | 6,396 |
| Average equity | $9,089,500 | 4,967 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8709% | 6,476 |
| Cost of funding earning assets | 0.0249% | 6,460 |
| Net interest margin | 0.8460% | 6,473 |
| Noninterest income to average assets | 26.6733% | 30 |
| Noninterest expense to average assets | 20.8712% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 3.9681% | 57 |
| Return on assets (ROA) | 3.9681% | 58 |
| Pretax return on assets | 6.3539% | 43 |
| Return on Equity (ROE) | 5.2978% | 4,516 |
| Retained earnings to average equity (ytd only) | 5.2978% | 2,405 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6617% | 2,418 |
| Assets per employee ($millions) | 0.4080% | 6,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 15.8128% | 6,480 |
| Equity capital to assets | 74.9051% | 32 |
| Core capital (leverage) ratio | 74.5248% | 30 |
| Tier 1 risk-based capital ratio | 135.5667% | 36 |
| Total risk-based capital ratio | 135.5667% | 36 |
| Memoranda: | ||
| Average total assets | $12,323,200 | 6,482 |
| Average earning assets | $8,037,800 | 6,487 |
| Average equity | $9,230,200 | 4,916 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8765% | 6,560 |
| Cost of funding earning assets | 0.0165% | 6,552 |
| Net interest margin | 0.8600% | 6,557 |
| Noninterest income to average assets | 26.6290% | 30 |
| Noninterest expense to average assets | 21.3576% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 3.6376% | 66 |
| Return on assets (ROA) | 3.6376% | 66 |
| Pretax return on assets | 5.8377% | 47 |
| Return on Equity (ROE) | 4.8567% | 4,792 |
| Retained earnings to average equity (ytd only) | 4.8567% | 3,180 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5342% | 2,106 |
| Assets per employee ($millions) | 0.4178% | 6,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 15.9553% | 6,560 |
| Equity capital to assets | 74.4156% | 31 |
| Core capital (leverage) ratio | 75.2753% | 28 |
| Tier 1 risk-based capital ratio | 138.1540% | 37 |
| Total risk-based capital ratio | 138.1540% | 37 |
| Memoranda: | ||
| Average total assets | $12,242,000 | 6,564 |
| Average earning assets | $8,062,000 | 6,566 |
| Average equity | $9,169,250 | 4,967 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8885% | 6,622 |
| Cost of funding earning assets | 0.0247% | 6,612 |
| Net interest margin | 0.8638% | 6,619 |
| Noninterest income to average assets | 27.3049% | 30 |
| Noninterest expense to average assets | 21.5574% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 3.9525% | 62 |
| Return on assets (ROA) | 3.9525% | 64 |
| Pretax return on assets | 6.3239% | 47 |
| Return on Equity (ROE) | 5.2653% | 4,546 |
| Retained earnings to average equity (ytd only) | 5.2653% | 2,786 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3184% | 2,405 |
| Assets per employee ($millions) | 0.3986% | 6,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 16.1865% | 6,627 |
| Equity capital to assets | 74.7572% | 31 |
| Core capital (leverage) ratio | 77.2525% | 29 |
| Tier 1 risk-based capital ratio | 134.2086% | 35 |
| Total risk-based capital ratio | 134.2086% | 35 |
| Memoranda: | ||
| Average total assets | $12,144,330 | 6,631 |
| Average earning assets | $8,103,330 | 6,633 |
| Average equity | $9,116,330 | 5,002 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8885% | 6,704 |
| Cost of funding earning assets | 0.0494% | 6,661 |
| Net interest margin | 0.8391% | 6,701 |
| Noninterest income to average assets | 25.5514% | 31 |
| Noninterest expense to average assets | 21.6638% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 2.7910% | 112 |
| Return on assets (ROA) | 2.7910% | 117 |
| Pretax return on assets | 4.4524% | 73 |
| Return on Equity (ROE) | 3.7102% | 5,170 |
| Retained earnings to average equity (ytd only) | 3.7102% | 3,908 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9517% | 1,803 |
| Assets per employee ($millions) | 0.4067% | 6,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 16.3934% | 6,697 |
| Equity capital to assets | 74.3934% | 35 |
| Core capital (leverage) ratio | 76.9113% | 30 |
| Tier 1 risk-based capital ratio | 131.1295% | 40 |
| Total risk-based capital ratio | 131.1295% | 40 |
| Memoranda: | ||
| Average total assets | $12,038,500 | 6,704 |
| Average earning assets | $8,103,500 | 6,707 |
| Average equity | $9,056,000 | 5,034 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9172% | 6,779 |
| Cost of funding earning assets | 0.0372% | 6,759 |
| Net interest margin | 0.8800% | 6,769 |
| Noninterest income to average assets | 29.8304% | 28 |
| Noninterest expense to average assets | 22.8915% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 4.6259% | 54 |
| Return on assets (ROA) | 4.6259% | 53 |
| Pretax return on assets | 7.5426% | 35 |
| Return on Equity (ROE) | 6.0201% | 4,070 |
| Retained earnings to average equity (ytd only) | 1.8702% | 4,904 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2165% | 2,914 |
| Assets per employee ($millions) | 0.4399% | 6,776 |
| Cash dividends to net income (ytd only)* | 68.9338% | 1,356 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 16.8393% | 6,781 |
| Equity capital to assets | 76.0798% | 29 |
| Core capital (leverage) ratio | 75.5781% | 28 |
| Tier 1 risk-based capital ratio | 143.6638% | 38 |
| Total risk-based capital ratio | 143.6638% | 38 |
| Memoranda: | ||
| Average total assets | $11,759,800 | 6,787 |
| Average earning assets | $8,068,000 | 6,791 |
| Average equity | $9,036,400 | 5,071 |
| Average total loans | $11,400 | 6,779 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9396% | 6,862 |
| Cost of funding earning assets | 0.0330% | 6,844 |
| Net interest margin | 0.9066% | 6,850 |
| Noninterest income to average assets | 29.7564% | 29 |
| Noninterest expense to average assets | 23.5165% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 4.2168% | 54 |
| Return on assets (ROA) | 4.2168% | 55 |
| Pretax return on assets | 6.8651% | 40 |
| Return on Equity (ROE) | 5.4739% | 4,478 |
| Retained earnings to average equity (ytd only) | 5.4739% | 2,736 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4037% | 2,495 |
| Assets per employee ($millions) | 0.6699% | 6,848 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,855 |
| Net loans and leases to deposits | 0.0000% | 6,854 |
| Net loans and leases to core deposits | 0.0000% | 6,842 |
| Total domestic deposits to total assets | 16.5865% | 6,859 |
| Equity capital to assets | 76.5467% | 28 |
| Core capital (leverage) ratio | 76.6148% | 25 |
| Tier 1 risk-based capital ratio | 145.0959% | 37 |
| Total risk-based capital ratio | 145.0959% | 37 |
| Memoranda: | ||
| Average total assets | $11,730,500 | 6,863 |
| Average earning assets | $8,088,750 | 6,870 |
| Average equity | $9,036,500 | 5,130 |
| Average total loans | $14,250 | 6,858 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9648% | 6,907 |
| Cost of funding earning assets | 0.0495% | 6,882 |
| Net interest margin | 0.9153% | 6,900 |
| Noninterest income to average assets | 30.2891% | 28 |
| Noninterest expense to average assets | 23.9559% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 4.2852% | 53 |
| Return on assets (ROA) | 4.2852% | 55 |
| Pretax return on assets | 6.9699% | 38 |
| Return on Equity (ROE) | 5.5506% | 4,424 |
| Retained earnings to average equity (ytd only) | 5.5506% | 2,703 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4624% | 2,550 |
| Assets per employee ($millions) | 0.6558% | 6,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 16.9420% | 6,909 |
| Equity capital to assets | 76.9759% | 27 |
| Core capital (leverage) ratio | 78.3317% | 25 |
| Tier 1 risk-based capital ratio | 144.2440% | 32 |
| Total risk-based capital ratio | 144.2440% | 32 |
| Memoranda: | ||
| Average total assets | $11,621,330 | 6,914 |
| Average earning assets | $8,084,670 | 6,921 |
| Average equity | $8,972,000 | 5,177 |
| Average total loans | $19,000 | 6,906 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9311% | 6,989 |
| Cost of funding earning assets | 0.0490% | 6,964 |
| Net interest margin | 0.8821% | 6,979 |
| Noninterest income to average assets | 30.2875% | 29 |
| Noninterest expense to average assets | 25.3263% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 3.4347% | 83 |
| Return on assets (ROA) | 3.4347% | 88 |
| Pretax return on assets | 5.5857% | 56 |
| Return on Equity (ROE) | 4.4422% | 4,874 |
| Retained earnings to average equity (ytd only) | 4.4422% | 3,573 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9304% | 2,044 |
| Assets per employee ($millions) | 0.3661% | 6,989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,982 |
| Net loans and leases to deposits | 0.0000% | 6,982 |
| Net loans and leases to core deposits | 0.0000% | 6,969 |
| Total domestic deposits to total assets | 17.0707% | 6,984 |
| Equity capital to assets | 76.3571% | 30 |
| Core capital (leverage) ratio | 76.3887% | 25 |
| Tier 1 risk-based capital ratio | 227.4450% | 26 |
| Total risk-based capital ratio | 227.4450% | 26 |
| Memoranda: | ||
| Average total assets | $11,529,500 | 6,992 |
| Average earning assets | $8,162,500 | 7,000 |
| Average equity | $8,914,500 | 5,237 |
| Average total loans | $28,500 | 6,981 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9144% | 7,045 |
| Cost of funding earning assets | 0.0586% | 7,027 |
| Net interest margin | 0.8557% | 7,036 |
| Noninterest income to average assets | 29.7401% | 29 |
| Noninterest expense to average assets | 23.2435% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 4.3779% | 50 |
| Return on assets (ROA) | 4.3779% | 51 |
| Pretax return on assets | 7.1383% | 39 |
| Return on Equity (ROE) | 5.6459% | 4,342 |
| Retained earnings to average equity (ytd only) | 1.6779% | 5,018 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5046% | 2,663 |
| Assets per employee ($millions) | 0.3545% | 7,052 |
| Cash dividends to net income (ytd only)* | 70.2811% | 1,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,009 |
| 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 | 0.0000% | 6,599 |
| Net loans and leases to total assets | 0.5025% | 7,041 |
| Net loans and leases to deposits | 2.8500% | 7,039 |
| Net loans and leases to core deposits | 2.8500% | 7,030 |
| Total domestic deposits to total assets | 17.6320% | 7,048 |
| Equity capital to assets | 78.3126% | 30 |
| Core capital (leverage) ratio | 80.5361% | 24 |
| Tier 1 risk-based capital ratio | 220.8500% | 31 |
| Total risk-based capital ratio | 220.8500% | 31 |
| Memoranda: | ||
| Average total assets | $11,375,200 | 7,058 |
| Average earning assets | $8,530,600 | 7,053 |
| Average equity | $8,820,600 | 5,268 |
| Average total loans | $143,200 | 7,047 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9127% | 7,159 |
| Cost of funding earning assets | 0.0618% | 7,135 |
| Net interest margin | 0.8509% | 7,149 |
| Noninterest income to average assets | 29.2001% | 29 |
| Noninterest expense to average assets | 23.3319% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 4.0058% | 61 |
| Return on assets (ROA) | 4.0058% | 63 |
| Pretax return on assets | 6.5124% | 46 |
| Return on Equity (ROE) | 5.1788% | 4,735 |
| Retained earnings to average equity (ytd only) | -0.1212% | 6,103 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1790% | 2,378 |
| Assets per employee ($millions) | 0.3476% | 7,154 |
| Cash dividends to net income (ytd only)* | 102.3400% | 309 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,121 |
| 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 | 0.0000% | 6,696 |
| Net loans and leases to total assets | 0.6113% | 7,141 |
| Net loans and leases to deposits | 3.4000% | 7,139 |
| Net loans and leases to core deposits | 3.4000% | 7,130 |
| Total domestic deposits to total assets | 17.9808% | 7,149 |
| Equity capital to assets | 78.0365% | 27 |
| Core capital (leverage) ratio | 77.4444% | 24 |
| Tier 1 risk-based capital ratio | 217.2595% | 32 |
| Total risk-based capital ratio | 217.2595% | 32 |
| Memoranda: | ||
| Average total assets | $11,383,250 | 7,155 |
| Average earning assets | $8,618,000 | 7,149 |
| Average equity | $8,805,000 | 5,324 |
| Average total loans | $164,750 | 7,144 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9161% | 7,221 |
| Cost of funding earning assets | 0.0458% | 7,213 |
| Net interest margin | 0.8703% | 7,214 |
| Noninterest income to average assets | 29.7123% | 29 |
| Noninterest expense to average assets | 23.6269% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 4.1500% | 62 |
| Return on assets (ROA) | 4.1500% | 62 |
| Pretax return on assets | 6.7480% | 48 |
| Return on Equity (ROE) | 5.3806% | 4,638 |
| Retained earnings to average equity (ytd only) | 5.3806% | 3,056 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7842% | 2,489 |
| Assets per employee ($millions) | 0.3322% | 7,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,187 |
| 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 | 0.0000% | 6,740 |
| Net loans and leases to total assets | 1.5224% | 7,201 |
| Net loans and leases to deposits | 8.8500% | 7,195 |
| Net loans and leases to core deposits | 8.8500% | 7,189 |
| Total domestic deposits to total assets | 17.2028% | 7,217 |
| Equity capital to assets | 77.2149% | 27 |
| Core capital (leverage) ratio | 82.4356% | 14 |
| Tier 1 risk-based capital ratio | 154.3599% | 36 |
| Total risk-based capital ratio | 154.3599% | 36 |
| Memoranda: | ||
| Average total assets | $11,470,000 | 7,215 |
| Average earning assets | $8,732,330 | 7,211 |
| Average equity | $8,846,670 | 5,306 |
| Average total loans | $197,000 | 7,207 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8993% | 7,284 |
| Cost of funding earning assets | 0.0450% | 7,276 |
| Net interest margin | 0.8544% | 7,278 |
| Noninterest income to average assets | 26.7205% | 28 |
| Noninterest expense to average assets | 23.7008% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 2.3174% | 237 |
| Return on assets (ROA) | 2.3174% | 284 |
| Pretax return on assets | 3.6868% | 108 |
| Return on Equity (ROE) | 3.0063% | 5,715 |
| Retained earnings to average equity (ytd only) | 3.0063% | 4,749 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.5385% | 1,427 |
| Assets per employee ($millions) | 0.3466% | 7,280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,247 |
| 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 | 0.0000% | 6,812 |
| Net loans and leases to total assets | 2.3429% | 7,264 |
| Net loans and leases to deposits | 13.4000% | 7,236 |
| Net loans and leases to core deposits | 13.4000% | 7,232 |
| Total domestic deposits to total assets | 17.4840% | 7,281 |
| Equity capital to assets | 76.9910% | 27 |
| Core capital (leverage) ratio | 77.7985% | 22 |
| Tier 1 risk-based capital ratio | 161.5882% | 34 |
| Total risk-based capital ratio | 161.5882% | 34 |
| Memoranda: | ||
| Average total assets | $11,392,000 | 7,277 |
| Average earning assets | $8,895,500 | 7,274 |
| Average equity | $8,781,500 | 5,339 |
| Average total loans | $207,000 | 7,270 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7788% | 7,333 |
| Cost of funding earning assets | 0.0947% | 7,307 |
| Net interest margin | 0.6841% | 7,325 |
| Noninterest income to average assets | 32.6619% | 27 |
| Noninterest expense to average assets | 24.4787% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 5.3727% | 40 |
| Return on assets (ROA) | 5.3727% | 42 |
| Pretax return on assets | 8.7595% | 32 |
| Return on Equity (ROE) | 6.9673% | 3,418 |
| Retained earnings to average equity (ytd only) | 1.2187% | 5,282 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6463% | 3,289 |
| Assets per employee ($millions) | 0.3438% | 7,327 |
| Cash dividends to net income (ytd only)* | 82.5083% | 718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,295 |
| 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 | 0.0000% | 6,879 |
| Net loans and leases to total assets | 1.2869% | 7,314 |
| Net loans and leases to deposits | 7.3000% | 7,308 |
| Net loans and leases to core deposits | 7.3000% | 7,299 |
| Total domestic deposits to total assets | 17.6289% | 7,326 |
| Equity capital to assets | 77.1794% | 23 |
| Core capital (leverage) ratio | 76.8700% | 20 |
| Tier 1 risk-based capital ratio | 187.5594% | 26 |
| Total risk-based capital ratio | 187.5594% | 26 |
| Memoranda: | ||
| Average total assets | $11,279,200 | 7,322 |
| Average earning assets | $9,501,800 | 7,318 |
| Average equity | $8,697,800 | 5,361 |
| Average total loans | $205,600 | 7,319 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8414% | 7,411 |
| Cost of funding earning assets | 0.0841% | 7,391 |
| Net interest margin | 0.7573% | 7,403 |
| Noninterest income to average assets | 32.6614% | 28 |
| Noninterest expense to average assets | 24.7773% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 5.2325% | 39 |
| Return on assets (ROA) | 5.2325% | 41 |
| Pretax return on assets | 8.5235% | 35 |
| Return on Equity (ROE) | 6.7869% | 3,618 |
| Retained earnings to average equity (ytd only) | -0.8906% | 6,137 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4046% | 3,103 |
| Assets per employee ($millions) | 0.3518% | 7,406 |
| Cash dividends to net income (ytd only)* | 113.1219% | 213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| 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 | 0.0000% | 6,971 |
| Net loans and leases to total assets | 1.8520% | 7,390 |
| Net loans and leases to deposits | 10.7500% | 7,376 |
| Net loans and leases to core deposits | 10.7500% | 7,365 |
| Total domestic deposits to total assets | 17.2280% | 7,399 |
| Equity capital to assets | 73.6756% | 32 |
| Core capital (leverage) ratio | 78.3152% | 23 |
| Tier 1 risk-based capital ratio | 173.3008% | 36 |
| Total risk-based capital ratio | 173.3008% | 36 |
| Memoranda: | ||
| Average total assets | $11,262,750 | 7,400 |
| Average earning assets | $9,507,500 | 7,396 |
| Average equity | $8,683,250 | 5,391 |
| Average total loans | $220,500 | 7,398 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9373% | 7,485 |
| Cost of funding earning assets | 0.0852% | 7,466 |
| Net interest margin | 0.8521% | 7,475 |
| Noninterest income to average assets | 33.1021% | 29 |
| Noninterest expense to average assets | 25.2258% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 5.2748% | 47 |
| Return on assets (ROA) | 5.2748% | 47 |
| Pretax return on assets | 8.5940% | 39 |
| Return on Equity (ROE) | 6.7380% | 3,565 |
| Retained earnings to average equity (ytd only) | 6.7380% | 1,995 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5889% | 3,255 |
| Assets per employee ($millions) | 0.3237% | 7,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,447 |
| 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 | 0.0000% | 7,026 |
| Net loans and leases to total assets | 1.3418% | 7,466 |
| Net loans and leases to deposits | 7.6000% | 7,461 |
| Net loans and leases to core deposits | 7.6000% | 7,451 |
| Total domestic deposits to total assets | 17.6554% | 7,473 |
| Equity capital to assets | 78.4869% | 27 |
| Core capital (leverage) ratio | 85.3595% | 17 |
| Tier 1 risk-based capital ratio | 200.7243% | 29 |
| Total risk-based capital ratio | 200.7243% | 29 |
| Memoranda: | ||
| Average total assets | $11,147,330 | 7,475 |
| Average earning assets | $9,389,000 | 7,472 |
| Average equity | $8,726,670 | 5,401 |
| Average total loans | $222,330 | 7,472 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9096% | 7,548 |
| Cost of funding earning assets | 0.0866% | 7,530 |
| Net interest margin | 0.8230% | 7,536 |
| Noninterest income to average assets | 32.0159% | 30 |
| Noninterest expense to average assets | 25.1424% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 4.6306% | 57 |
| Return on assets (ROA) | 4.6306% | 58 |
| Pretax return on assets | 7.5608% | 42 |
| Return on Equity (ROE) | 5.9228% | 3,949 |
| Retained earnings to average equity (ytd only) | 5.9228% | 2,684 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8805% | 3,000 |
| Assets per employee ($millions) | 0.3141% | 7,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,503 |
| 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 | 0.0000% | 7,094 |
| Net loans and leases to total assets | 1.0370% | 7,529 |
| Net loans and leases to deposits | 5.7000% | 7,525 |
| Net loans and leases to core deposits | 5.7000% | 7,512 |
| Total domestic deposits to total assets | 18.1934% | 7,533 |
| Equity capital to assets | 79.2413% | 26 |
| Core capital (leverage) ratio | 89.0331% | 10 |
| Tier 1 risk-based capital ratio | 191.4926% | 30 |
| Total risk-based capital ratio | 191.4926% | 30 |
| Memoranda: | ||
| Average total assets | $11,057,000 | 7,534 |
| Average earning assets | $9,235,000 | 7,532 |
| Average equity | $8,644,500 | 5,424 |
| Average total loans | $257,500 | 7,531 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6617% | 7,616 |
| Cost of funding earning assets | 0.1575% | 7,564 |
| Net interest margin | 0.5041% | 7,609 |
| Noninterest income to average assets | 31.9049% | 33 |
| Noninterest expense to average assets | 24.6216% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 4.8065% | 33 |
| Return on assets (ROA) | 4.8065% | 33 |
| Pretax return on assets | 7.7253% | 27 |
| Return on Equity (ROE) | 6.2704% | 3,466 |
| Retained earnings to average equity (ytd only) | 6.2704% | 1,681 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1173% | 3,039 |
| Assets per employee ($millions) | 0.3177% | 7,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,582 |
| 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 | 0.0000% | 7,175 |
| Net loans and leases to total assets | 3.6058% | 7,602 |
| Net loans and leases to deposits | 20.0500% | 7,558 |
| Net loans and leases to core deposits | 20.0500% | 7,550 |
| Total domestic deposits to total assets | 17.9840% | 7,612 |
| Equity capital to assets | 77.1334% | 31 |
| Core capital (leverage) ratio | 87.4465% | 15 |
| Tier 1 risk-based capital ratio | 173.6193% | 39 |
| Total risk-based capital ratio | 173.6193% | 39 |
| Memoranda: | ||
| Average total assets | $10,860,400 | 7,616 |
| Average earning assets | $9,521,400 | 7,604 |
| Average equity | $8,324,800 | 5,609 |
| Average total loans | $672,200 | 7,611 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6509% | 7,734 |
| Cost of funding earning assets | 0.1662% | 7,685 |
| Net interest margin | 0.4847% | 7,727 |
| Noninterest income to average assets | 32.3221% | 31 |
| Noninterest expense to average assets | 25.5414% | 35 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 4.4834% | 38 |
| Return on assets (ROA) | 4.4834% | 38 |
| Pretax return on assets | 7.2129% | 29 |
| Return on Equity (ROE) | 5.8584% | 3,880 |
| Retained earnings to average equity (ytd only) | 5.8584% | 2,435 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9789% | 2,626 |
| Assets per employee ($millions) | 0.3111% | 7,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| 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 | 0.0000% | 7,276 |
| Net loans and leases to total assets | 5.1341% | 7,702 |
| Net loans and leases to deposits | 27.9500% | 7,594 |
| Net loans and leases to core deposits | 27.9500% | 7,598 |
| Total domestic deposits to total assets | 18.3688% | 7,715 |
| Equity capital to assets | 77.4798% | 33 |
| Core capital (leverage) ratio | 86.1878% | 15 |
| Tier 1 risk-based capital ratio | 190.9771% | 42 |
| Total risk-based capital ratio | 190.9771% | 42 |
| Memoranda: | ||
| Average total assets | $10,795,250 | 7,717 |
| Average earning assets | $9,628,500 | 7,704 |
| Average equity | $8,261,500 | 5,708 |
| Average total loans | $740,000 | 7,711 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7047% | 7,806 |
| Cost of funding earning assets | 0.1451% | 7,765 |
| Net interest margin | 0.5596% | 7,794 |
| Noninterest income to average assets | 33.3137% | 32 |
| Noninterest expense to average assets | 26.0118% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 4.8493% | 36 |
| Return on assets (ROA) | 4.8493% | 35 |
| Pretax return on assets | 7.8036% | 30 |
| Return on Equity (ROE) | 6.3633% | 3,612 |
| Retained earnings to average equity (ytd only) | 6.3633% | 2,138 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9231% | 2,904 |
| Assets per employee ($millions) | 0.3183% | 7,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,760 |
| 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 | 0.0000% | 7,347 |
| Net loans and leases to total assets | 5.1742% | 7,771 |
| Net loans and leases to deposits | 28.0000% | 7,665 |
| Net loans and leases to core deposits | 28.0000% | 7,677 |
| Total domestic deposits to total assets | 18.4792% | 7,783 |
| Equity capital to assets | 77.0581% | 34 |
| Core capital (leverage) ratio | 84.7886% | 19 |
| Tier 1 risk-based capital ratio | 213.8782% | 33 |
| Total risk-based capital ratio | 213.8782% | 33 |
| Memoranda: | ||
| Average total assets | $10,764,330 | 7,784 |
| Average earning assets | $9,649,330 | 7,771 |
| Average equity | $8,203,330 | 5,730 |
| Average total loans | $800,330 | 7,779 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7735% | 7,911 |
| Cost of funding earning assets | 0.1628% | 7,864 |
| Net interest margin | 0.6107% | 7,897 |
| Noninterest income to average assets | 31.8584% | 32 |
| Noninterest expense to average assets | 26.3437% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 3.7634% | 55 |
| Return on assets (ROA) | 3.7634% | 58 |
| Pretax return on assets | 6.0736% | 45 |
| Return on Equity (ROE) | 4.9662% | 4,383 |
| Retained earnings to average equity (ytd only) | 4.9662% | 3,176 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2644% | 2,377 |
| Assets per employee ($millions) | 0.3100% | 7,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,860 |
| 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 | 0.0000% | 7,426 |
| Net loans and leases to total assets | 12.1486% | 7,848 |
| Net loans and leases to deposits | 65.9000% | 5,836 |
| Net loans and leases to core deposits | 65.9000% | 6,290 |
| Total domestic deposits to total assets | 18.4349% | 7,884 |
| Equity capital to assets | 75.4079% | 33 |
| Core capital (leverage) ratio | 84.5803% | 19 |
| Tier 1 risk-based capital ratio | 202.5310% | 34 |
| Total risk-based capital ratio | 202.5310% | 34 |
| Memoranda: | ||
| Average total assets | $10,735,000 | 7,885 |
| Average earning assets | $9,825,500 | 7,872 |
| Average equity | $8,135,000 | 5,799 |
| Average total loans | $920,500 | 7,882 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9082% | 7,977 |
| Cost of funding earning assets | 0.1584% | 7,951 |
| Net interest margin | 0.7498% | 7,950 |
| Noninterest income to average assets | 35.5961% | 32 |
| Noninterest expense to average assets | 27.6317% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 5.3447% | 25 |
| Return on assets (ROA) | 5.3447% | 25 |
| Pretax return on assets | 8.6433% | 22 |
| Return on Equity (ROE) | 7.1665% | 2,728 |
| Retained earnings to average equity (ytd only) | 7.1665% | 912 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1729% | 3,495 |
| Assets per employee ($millions) | 0.2950% | 7,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,932 |
| 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 | 0.0000% | 7,460 |
| Net loans and leases to total assets | 4.9242% | 7,948 |
| Net loans and leases to deposits | 26.1500% | 7,862 |
| Net loans and leases to core deposits | 26.1500% | 7,891 |
| Total domestic deposits to total assets | 18.8306% | 7,963 |
| Equity capital to assets | 76.1604% | 32 |
| Core capital (leverage) ratio | 83.7577% | 18 |
| Tier 1 risk-based capital ratio | 185.6715% | 38 |
| Total risk-based capital ratio | 185.6715% | 38 |
| Memoranda: | ||
| Average total assets | $10,459,000 | 7,965 |
| Average earning assets | $9,469,600 | 7,949 |
| Average equity | $7,800,200 | 5,998 |
| Average total loans | $590,000 | 7,959 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9434% | 8,064 |
| Cost of funding earning assets | 0.1549% | 8,043 |
| Net interest margin | 0.7885% | 8,033 |
| Noninterest income to average assets | 37.3173% | 33 |
| Noninterest expense to average assets | 29.8692% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 5.0422% | 28 |
| Return on assets (ROA) | 5.0422% | 31 |
| Pretax return on assets | 8.1648% | 29 |
| Return on Equity (ROE) | 6.7976% | 3,168 |
| Retained earnings to average equity (ytd only) | 6.7976% | 1,592 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5330% | 3,073 |
| Assets per employee ($millions) | 0.2886% | 8,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| 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 | 0.0000% | 7,541 |
| Net loans and leases to total assets | 5.6983% | 8,033 |
| Net loans and leases to deposits | 29.6000% | 7,914 |
| Net loans and leases to core deposits | 29.6000% | 7,954 |
| Total domestic deposits to total assets | 19.2511% | 8,046 |
| Equity capital to assets | 76.3115% | 34 |
| Core capital (leverage) ratio | 83.5185% | 23 |
| Tier 1 risk-based capital ratio | 184.4195% | 40 |
| Total risk-based capital ratio | 184.4195% | 40 |
| Memoranda: | ||
| Average total assets | $10,418,500 | 8,049 |
| Average earning assets | $9,468,750 | 8,033 |
| Average equity | $7,728,000 | 6,075 |
| Average total loans | $606,750 | 8,041 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0074% | 8,159 |
| Cost of funding earning assets | 0.1469% | 8,139 |
| Net interest margin | 0.8605% | 8,117 |
| Noninterest income to average assets | 38.0118% | 33 |
| Noninterest expense to average assets | 30.1295% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 5.3508% | 24 |
| Return on assets (ROA) | 5.3508% | 26 |
| Pretax return on assets | 8.6687% | 23 |
| Return on Equity (ROE) | 7.2833% | 3,070 |
| Retained earnings to average equity (ytd only) | 7.2833% | 1,472 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6569% | 3,400 |
| Assets per employee ($millions) | 0.2948% | 8,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,113 |
| 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 | 0.0000% | 7,580 |
| Net loans and leases to total assets | 7.1034% | 8,116 |
| Net loans and leases to deposits | 36.6500% | 7,889 |
| Net loans and leases to core deposits | 36.6500% | 7,968 |
| Total domestic deposits to total assets | 19.3817% | 8,136 |
| Equity capital to assets | 75.7050% | 34 |
| Core capital (leverage) ratio | 77.0015% | 30 |
| Tier 1 risk-based capital ratio | 184.0350% | 40 |
| Total risk-based capital ratio | 184.0350% | 40 |
| Memoranda: | ||
| Average total assets | $10,428,330 | 8,140 |
| Average earning assets | $9,529,670 | 8,120 |
| Average equity | $7,661,330 | 6,129 |
| Average total loans | $611,670 | 8,132 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.1208% | 8,213 |
| Cost of funding earning assets | 0.1660% | 8,188 |
| Net interest margin | 0.9548% | 8,169 |
| Noninterest income to average assets | 35.7150% | 35 |
| Noninterest expense to average assets | 30.1059% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 4.0065% | 32 |
| Return on assets (ROA) | 4.0065% | 37 |
| Pretax return on assets | 6.4867% | 27 |
| Return on Equity (ROE) | 5.5365% | 4,239 |
| Retained earnings to average equity (ytd only) | 5.5365% | 2,850 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2732% | 2,499 |
| Assets per employee ($millions) | 0.2829% | 8,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,168 |
| 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 | 0.0000% | 7,590 |
| Net loans and leases to total assets | 6.3535% | 8,172 |
| Net loans and leases to deposits | 34.1500% | 7,980 |
| Net loans and leases to core deposits | 34.1500% | 8,044 |
| Total domestic deposits to total assets | 18.6047% | 8,189 |
| Equity capital to assets | 71.1070% | 39 |
| Core capital (leverage) ratio | 78.6091% | 32 |
| Tier 1 risk-based capital ratio | 177.7752% | 44 |
| Total risk-based capital ratio | 177.7752% | 45 |
| Memoranda: | ||
| Average total assets | $10,483,000 | 8,185 |
| Average earning assets | $9,636,000 | 8,168 |
| Average equity | $7,586,000 | 6,194 |
| Average total loans | $551,000 | 8,186 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8994% | 8,180 |
| Cost of funding earning assets | 0.1647% | 8,251 |
| Net interest margin | 2.7346% | 7,439 |
| Noninterest income to average assets | 40.8828% | 36 |
| Noninterest expense to average assets | 31.6959% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 7.1742% | 25 |
| Return on assets (ROA) | 7.1742% | 26 |
| Pretax return on assets | 11.6680% | 23 |
| Return on Equity (ROE) | 10.0626% | 2,239 |
| Retained earnings to average equity (ytd only) | 10.0626% | 442 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0928% | 3,731 |
| Assets per employee ($millions) | 0.2688% | 8,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,224 |
| 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 | 0.0000% | 7,569 |
| Net loans and leases to total assets | 4.1014% | 8,235 |
| Net loans and leases to deposits | 20.9500% | 8,191 |
| Net loans and leases to core deposits | 20.9500% | 8,192 |
| Total domestic deposits to total assets | 19.5771% | 8,240 |
| Equity capital to assets | 73.6883% | 42 |
| Core capital (leverage) ratio | 76.3252% | 38 |
| Tier 1 risk-based capital ratio | 188.5872% | 44 |
| Total risk-based capital ratio | 188.5872% | 44 |
| Memoranda: | ||
| Average total assets | $10,036,000 | 8,247 |
| Average earning assets | $9,105,400 | 8,229 |
| Average equity | $7,155,200 | 6,403 |
| Average total loans | $573,600 | 8,243 |