Home > Charles Schwab Premier Bank, SSB > Performance and Condition Ratios
Charles Schwab Premier Bank, SSB, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3553% | 4,569 |
| Cost of funding earning assets | 1.4305% | 2,147 |
| Net interest margin | 0.9248% | 4,547 |
| Noninterest income to average assets | 0.0000% | 4,534 |
| Noninterest expense to average assets | 0.3626% | 4,542 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 0.4013% | 3,867 |
| Return on assets (ROA) | 0.3827% | 3,897 |
| Pretax return on assets | 0.5136% | 3,782 |
| Return on Equity (ROE) | 10.6000% | 2,331 |
| Retained earnings to average equity (ytd only) | 10.5987% | 879 |
| 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 | 40.2985% | 4,355 |
| Assets per employee ($millions) | 204.0294% | 10 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 1.9800% | 4,468 |
| Net loans and leases to deposits | 2.3547% | 4,470 |
| Net loans and leases to core deposits | 2.3547% | 4,489 |
| Total domestic deposits to total assets | 84.0200% | 2,611 |
| Equity capital to assets | 5.6617% | 4,305 |
| Core capital (leverage) ratio | 11.2071% | 1,820 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 54.3528% | 97 |
| Memoranda: | ||
| Average total assets | $29,788,400,000 | 69 |
| Average earning assets | $28,870,800,000 | 65 |
| Average equity | $1,075,600,000 | 159 |
| Average total loans | $380,800,000 | 1,520 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3449% | 4,586 |
| Cost of funding earning assets | 1.4997% | 1,606 |
| Net interest margin | 0.8453% | 4,565 |
| Noninterest income to average assets | 0.0000% | 4,562 |
| Noninterest expense to average assets | 0.3784% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 0.3412% | 4,070 |
| Return on assets (ROA) | 0.3168% | 4,099 |
| Pretax return on assets | 0.4093% | 4,049 |
| Return on Equity (ROE) | 10.0900% | 2,609 |
| Retained earnings to average equity (ytd only) | 10.0864% | 1,375 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 46.2366% | 4,122 |
| Assets per employee ($millions) | 228.2645% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 1.6100% | 4,494 |
| Net loans and leases to deposits | 2.1884% | 4,495 |
| Net loans and leases to core deposits | 2.1884% | 4,478 |
| Total domestic deposits to total assets | 73.7900% | 4,173 |
| Equity capital to assets | 4.9855% | 4,254 |
| Core capital (leverage) ratio | 10.7238% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 47.7422% | 119 |
| Memoranda: | ||
| Average total assets | $30,298,500,000 | 69 |
| Average earning assets | $29,339,000,000 | 65 |
| Average equity | $951,750,000 | 174 |
| Average total loans | $338,750,000 | 1,648 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3233% | 4,622 |
| Cost of funding earning assets | 1.4959% | 1,248 |
| Net interest margin | 0.8274% | 4,604 |
| Noninterest income to average assets | 0.0000% | 4,595 |
| Noninterest expense to average assets | 0.4040% | 4,597 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 0.3075% | 4,144 |
| Return on assets (ROA) | 0.2821% | 4,210 |
| Pretax return on assets | 0.3655% | 4,164 |
| Return on Equity (ROE) | 10.8600% | 2,460 |
| Retained earnings to average equity (ytd only) | 10.8642% | 1,215 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 50.4000% | 3,888 |
| Assets per employee ($millions) | 247.4050% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 1.1900% | 4,525 |
| Net loans and leases to deposits | 1.6354% | 4,526 |
| Net loans and leases to core deposits | 1.6354% | 4,511 |
| Total domestic deposits to total assets | 72.7200% | 4,265 |
| Equity capital to assets | 4.2825% | 4,475 |
| Core capital (leverage) ratio | 9.6904% | 3,055 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 45.8263% | 124 |
| Memoranda: | ||
| Average total assets | $31,191,333,333 | 67 |
| Average earning assets | $30,215,333,333 | 62 |
| Average equity | $810,000,000 | 186 |
| Average total loans | $303,000,000 | 1,768 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1511% | 4,651 |
| Cost of funding earning assets | 1.2959% | 1,233 |
| Net interest margin | 0.8553% | 4,659 |
| Noninterest income to average assets | 0.0000% | 4,636 |
| Noninterest expense to average assets | 0.5406% | 4,658 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 0.2257% | 4,330 |
| Return on assets (ROA) | 0.1760% | 4,352 |
| Pretax return on assets | 0.2263% | 4,314 |
| Return on Equity (ROE) | 9.7600% | 2,862 |
| Retained earnings to average equity (ytd only) | 9.7561% | 1,754 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.1515% | 2,306 |
| Assets per employee ($millions) | 265.6198% | 8 |
| 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 | 0.9200% | 4,599 |
| Net loans and leases to deposits | 1.2975% | 4,600 |
| Net loans and leases to core deposits | 1.2975% | 4,583 |
| Total domestic deposits to total assets | 70.9800% | 4,393 |
| Equity capital to assets | 2.5856% | 4,615 |
| Core capital (leverage) ratio | 8.5632% | 4,101 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.6419% | 160 |
| Memoranda: | ||
| Average total assets | $31,819,000,000 | 69 |
| Average earning assets | $30,867,500,000 | 66 |
| Average equity | $574,000,000 | 242 |
| Average total loans | $276,500,000 | 1,898 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6404% | 4,647 |
| Cost of funding earning assets | 0.1844% | 3,875 |
| Net interest margin | 1.4560% | 4,641 |
| Noninterest income to average assets | 0.0000% | 4,670 |
| Noninterest expense to average assets | 0.4200% | 4,694 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.7836% | 3,383 |
| Return on assets (ROA) | 0.7750% | 3,347 |
| Pretax return on assets | 1.0053% | 3,061 |
| Return on Equity (ROE) | 20.2800% | 455 |
| Retained earnings to average equity (ytd only) | -25.0993% | 4,702 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 29.2453% | 4,660 |
| Assets per employee ($millions) | 281.2321% | 8 |
| Cash dividends to net income (ytd only)* | 223.7762% | 32 |
| 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 | 0.8200% | 4,631 |
| Net loans and leases to deposits | 0.9071% | 4,631 |
| Net loans and leases to core deposits | 0.9071% | 4,614 |
| Total domestic deposits to total assets | 89.9500% | 1,385 |
| Equity capital to assets | 1.0064% | 4,677 |
| Core capital (leverage) ratio | 7.1369% | 4,637 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 32.1155% | 214 |
| Memoranda: | ||
| Average total assets | $36,902,600,000 | 66 |
| Average earning assets | $36,333,600,000 | 60 |
| Average equity | $1,410,400,000 | 129 |
| Average total loans | $109,400,000 | 3,033 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5183% | 4,662 |
| Cost of funding earning assets | 0.0777% | 4,435 |
| Net interest margin | 1.4406% | 4,645 |
| Noninterest income to average assets | 0.0000% | 4,708 |
| Noninterest expense to average assets | 0.3939% | 4,736 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.7905% | 3,302 |
| Return on assets (ROA) | 0.7877% | 3,256 |
| Pretax return on assets | 1.0282% | 2,942 |
| Return on Equity (ROE) | 17.9000% | 654 |
| Retained earnings to average equity (ytd only) | 10.7693% | 1,112 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 27.6284% | 4,703 |
| Assets per employee ($millions) | 356.3511% | 6 |
| Cash dividends to net income (ytd only)* | 39.8230% | 1,589 |
| 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 | 0.5900% | 4,675 |
| Net loans and leases to deposits | 0.6093% | 4,675 |
| Net loans and leases to core deposits | 0.6093% | 4,658 |
| Total domestic deposits to total assets | 97.5000% | 63 |
| Equity capital to assets | 2.3793% | 4,643 |
| Core capital (leverage) ratio | 7.6648% | 4,539 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.9446% | 171 |
| Memoranda: | ||
| Average total assets | $38,253,750,000 | 65 |
| Average earning assets | $37,760,000,000 | 57 |
| Average equity | $1,683,750,000 | 116 |
| Average total loans | $72,500,000 | 3,542 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3588% | 4,720 |
| Cost of funding earning assets | 0.0152% | 4,731 |
| Net interest margin | 1.3436% | 4,700 |
| Noninterest income to average assets | 0.0000% | 4,732 |
| Noninterest expense to average assets | 0.3715% | 4,762 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.7340% | 3,200 |
| Return on assets (ROA) | 0.7380% | 3,142 |
| Pretax return on assets | 0.9639% | 2,853 |
| Return on Equity (ROE) | 14.8535% | 926 |
| Retained earnings to average equity (ytd only) | 14.8535% | 278 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 27.9245% | 4,726 |
| Assets per employee ($millions) | 542.8767% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,721 |
| 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 | 0.0000% | 4,026 |
| Net loans and leases to total assets | 0.2195% | 4,736 |
| Net loans and leases to deposits | 0.2284% | 4,737 |
| Net loans and leases to core deposits | 0.2284% | 4,727 |
| Total domestic deposits to total assets | 96.1115% | 80 |
| Equity capital to assets | 3.7648% | 4,643 |
| Core capital (leverage) ratio | 7.1594% | 4,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5666% | 167 |
| Memoranda: | ||
| Average total assets | $39,839,333,333 | 60 |
| Average earning assets | $39,445,666,667 | 56 |
| Average equity | $1,979,333,333 | 106 |
| Average total loans | $30,333,333 | 4,307 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2410% | 4,748 |
| Cost of funding earning assets | 0.0101% | 4,757 |
| Net interest margin | 1.2309% | 4,730 |
| Noninterest income to average assets | 0.0000% | 4,754 |
| Noninterest expense to average assets | 0.3505% | 4,788 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.6709% | 3,155 |
| Return on assets (ROA) | 0.6709% | 3,140 |
| Pretax return on assets | 0.8712% | 2,884 |
| Return on Equity (ROE) | 12.0558% | 1,295 |
| Retained earnings to average equity (ytd only) | 12.0558% | 594 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 28.6885% | 4,749 |
| Assets per employee ($millions) | 656.5323% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,747 |
| 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 | 0.0000% | 4,066 |
| Net loans and leases to total assets | 0.0098% | 4,767 |
| Net loans and leases to deposits | 0.0103% | 4,767 |
| Net loans and leases to core deposits | 0.0103% | 4,757 |
| Total domestic deposits to total assets | 95.2340% | 29 |
| Equity capital to assets | 4.6481% | 4,749 |
| Core capital (leverage) ratio | 7.1746% | 4,655 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 35.3509% | 156 |
| Memoranda: | ||
| Average total assets | $39,944,000,000 | 60 |
| Average earning assets | $39,646,500,000 | 55 |
| Average equity | $2,223,000,000 | 105 |
| Average total loans | $2,000,000 | 4,763 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2178% | 4,772 |
| Cost of funding earning assets | 0.0087% | 4,805 |
| Net interest margin | 1.2091% | 4,759 |
| Noninterest income to average assets | 0.0029% | 4,803 |
| Noninterest expense to average assets | 0.3583% | 4,820 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.6565% | 3,729 |
| Return on assets (ROA) | 0.6588% | 3,780 |
| Pretax return on assets | 0.8524% | 3,619 |
| Return on Equity (ROE) | 9.1943% | 2,835 |
| Retained earnings to average equity (ytd only) | 9.1943% | 1,140 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.6651% | 4,794 |
| Assets per employee ($millions) | 699.6964% | 4 |
| 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 | 93.4053% | 27 |
| Equity capital to assets | 6.5181% | 4,789 |
| Core capital (leverage) ratio | 7.0916% | 4,727 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 36.5190% | 152 |
| Memoranda: | ||
| Average total assets | $34,609,000,000 | 68 |
| Average earning assets | $34,489,800,000 | 60 |
| Average equity | $2,479,800,000 | 97 |
| Average total loans | NA | NA |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2352% | 4,852 |
| Cost of funding earning assets | 0.0080% | 4,882 |
| Net interest margin | 1.2272% | 4,837 |
| Noninterest income to average assets | 0.0040% | 4,877 |
| Noninterest expense to average assets | 0.3626% | 4,905 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.6582% | 3,874 |
| Return on assets (ROA) | 0.6614% | 3,920 |
| Pretax return on assets | 0.8685% | 3,761 |
| Return on Equity (ROE) | 8.9925% | 3,110 |
| Retained earnings to average equity (ytd only) | 8.9925% | 1,695 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.5455% | 4,862 |
| Assets per employee ($millions) | 698.3333% | 4 |
| 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 | 92.3515% | 74 |
| Equity capital to assets | 7.3536% | 4,744 |
| Core capital (leverage) ratio | 7.0790% | 4,803 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.4319% | 149 |
| Memoranda: | ||
| Average total assets | $33,465,500,000 | 71 |
| Average earning assets | $33,354,250,000 | 64 |
| Average equity | $2,461,250,000 | 97 |
| Average total loans | NA | NA |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2376% | 4,889 |
| Cost of funding earning assets | 0.0061% | 4,923 |
| Net interest margin | 1.2315% | 4,876 |
| Noninterest income to average assets | 0.0061% | 4,907 |
| Noninterest expense to average assets | 0.3664% | 4,941 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.6486% | 3,875 |
| Return on assets (ROA) | 0.6535% | 3,931 |
| Pretax return on assets | 0.8733% | 3,721 |
| Return on Equity (ROE) | 8.8846% | 3,136 |
| Retained earnings to average equity (ytd only) | 8.8846% | 1,744 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.7030% | 4,896 |
| Assets per employee ($millions) | 730.0435% | 2 |
| 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 | 91.9600% | 133 |
| Equity capital to assets | 7.7363% | 4,660 |
| Core capital (leverage) ratio | 7.0782% | 4,838 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 37.9781% | 148 |
| Memoranda: | ||
| Average total assets | $32,749,000,000 | 71 |
| Average earning assets | $32,643,333,333 | 63 |
| Average equity | $2,408,666,667 | 99 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2533% | 4,923 |
| Cost of funding earning assets | 0.0124% | 4,944 |
| Net interest margin | 1.2408% | 4,906 |
| Noninterest income to average assets | 0.0000% | 4,935 |
| Noninterest expense to average assets | 0.3588% | 4,966 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.6707% | 3,779 |
| Return on assets (ROA) | 0.6804% | 3,821 |
| Pretax return on assets | 0.8907% | 3,622 |
| Return on Equity (ROE) | 9.5073% | 2,852 |
| Retained earnings to average equity (ytd only) | 9.5073% | 1,797 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 29.0000% | 4,917 |
| Assets per employee ($millions) | 735.8889% | 2 |
| 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 | 92.2965% | 95 |
| Equity capital to assets | 7.4317% | 4,733 |
| Core capital (leverage) ratio | 7.0453% | 4,885 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 38.2226% | 147 |
| Memoranda: | ||
| Average total assets | $32,332,500,000 | 73 |
| Average earning assets | $32,236,000,000 | 63 |
| Average equity | $2,314,000,000 | 106 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6504% | 4,940 |
| Cost of funding earning assets | 0.0205% | 4,968 |
| Net interest margin | 1.6299% | 4,905 |
| Noninterest income to average assets | 0.0041% | 4,952 |
| Noninterest expense to average assets | 0.3836% | 4,985 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.9477% | 2,493 |
| Return on assets (ROA) | 0.9509% | 2,623 |
| Pretax return on assets | 1.2489% | 2,164 |
| Return on Equity (ROE) | 13.6705% | 888 |
| Retained earnings to average equity (ytd only) | 13.6705% | 205 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 23.5589% | 4,980 |
| Assets per employee ($millions) | 717.0455% | 2 |
| 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 | 92.4754% | 37 |
| Equity capital to assets | 6.8685% | 4,926 |
| Core capital (leverage) ratio | 5.4812% | 4,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 29.2494% | 260 |
| Memoranda: | ||
| Average total assets | $24,502,400,000 | 83 |
| Average earning assets | $24,418,800,000 | 79 |
| Average equity | $1,704,400,000 | 123 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7652% | 4,981 |
| Cost of funding earning assets | 0.0235% | 5,004 |
| Net interest margin | 1.7417% | 4,939 |
| Noninterest income to average assets | 0.0059% | 4,977 |
| Noninterest expense to average assets | 0.3987% | 5,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 1.0378% | 2,197 |
| Return on assets (ROA) | 1.0378% | 2,321 |
| Pretax return on assets | 1.3427% | 1,895 |
| Return on Equity (ROE) | 14.8541% | 720 |
| Retained earnings to average equity (ytd only) | 14.8541% | 207 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 22.8956% | 5,013 |
| Assets per employee ($millions) | 629.0889% | 2 |
| 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 | 92.0591% | 53 |
| Equity capital to assets | 7.2062% | 4,918 |
| Core capital (leverage) ratio | 5.4881% | 5,022 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.3620% | 298 |
| Memoranda: | ||
| Average total assets | $22,740,500,000 | 86 |
| Average earning assets | $22,659,750,000 | 81 |
| Average equity | $1,588,750,000 | 129 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8933% | 5,024 |
| Cost of funding earning assets | 0.0288% | 5,038 |
| Net interest margin | 1.8645% | 4,973 |
| Noninterest income to average assets | 0.0000% | 5,011 |
| Noninterest expense to average assets | 0.4022% | 5,055 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 1.1205% | 1,898 |
| Return on assets (ROA) | 1.1205% | 2,019 |
| Pretax return on assets | 1.4556% | 1,569 |
| Return on Equity (ROE) | 16.2688% | 522 |
| Retained earnings to average equity (ytd only) | 16.2688% | 161 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 21.6495% | 5,045 |
| Assets per employee ($millions) | 590.6591% | 3 |
| 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 | 92.1120% | 47 |
| Equity capital to assets | 7.0530% | 4,964 |
| Core capital (leverage) ratio | 5.4973% | 5,053 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.2414% | 357 |
| Memoranda: | ||
| Average total assets | $20,884,333,333 | 92 |
| Average earning assets | $20,810,000,000 | 85 |
| Average equity | $1,438,333,333 | 135 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0804% | 5,081 |
| Cost of funding earning assets | 0.0657% | 5,068 |
| Net interest margin | 2.0147% | 5,007 |
| Noninterest income to average assets | 0.0000% | 5,056 |
| Noninterest expense to average assets | 0.4146% | 5,102 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.2219% | 1,446 |
| Return on assets (ROA) | 1.2219% | 1,555 |
| Pretax return on assets | 1.5928% | 1,069 |
| Return on Equity (ROE) | 18.0500% | 263 |
| Retained earnings to average equity (ytd only) | 18.0500% | 90 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 20.6522% | 5,090 |
| Assets per employee ($millions) | 678.0303% | 2 |
| 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 | 91.8838% | 45 |
| Equity capital to assets | 6.5654% | 5,086 |
| Core capital (leverage) ratio | 6.5691% | 5,097 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.4769% | 416 |
| Memoranda: | ||
| Average total assets | $18,332,000,000 | 93 |
| Average earning assets | $18,265,500,000 | 88 |
| Average equity | $1,241,000,000 | 147 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8624% | 5,083 |
| Cost of funding earning assets | 0.2750% | 4,786 |
| Net interest margin | 2.5874% | 4,916 |
| Noninterest income to average assets | 0.0070% | 5,115 |
| Noninterest expense to average assets | 0.1824% | 5,173 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 1.8804% | 450 |
| Return on assets (ROA) | 1.8804% | 468 |
| Pretax return on assets | 2.3996% | 248 |
| Return on Equity (ROE) | 25.5969% | 68 |
| Retained earnings to average equity (ytd only) | 0.2865% | 4,607 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 7.0652% | 5,172 |
| Assets per employee ($millions) | 157.0220% | 11 |
| Cash dividends to net income (ytd only)* | 98.8806% | 326 |
| Condition Ratios (%) | ||
| Loss 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 | 92.7777% | 16 |
| Equity capital to assets | 7.0894% | 5,135 |
| Core capital (leverage) ratio | 7.3547% | 5,111 |
| Tier 1 risk-based capital ratio | 33.7333% | 367 |
| Total risk-based capital ratio | 33.7333% | 393 |
| Memoranda: | ||
| Average total assets | $14,252,200,000 | 108 |
| Average earning assets | $14,184,000,000 | 102 |
| Average equity | $1,047,000,000 | 157 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9262% | 5,163 |
| Cost of funding earning assets | 0.3199% | 4,751 |
| Net interest margin | 2.6063% | 4,999 |
| Noninterest income to average assets | 0.0094% | 5,187 |
| Noninterest expense to average assets | 0.1872% | 5,250 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.8535% | 560 |
| Return on assets (ROA) | 1.8535% | 583 |
| Pretax return on assets | 2.4152% | 295 |
| Return on Equity (ROE) | 25.0112% | 93 |
| Retained earnings to average equity (ytd only) | -0.2526% | 4,786 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 7.1942% | 5,251 |
| Assets per employee ($millions) | 148.6484% | 12 |
| Cash dividends to net income (ytd only)* | 101.0101% | 307 |
| Condition Ratios (%) | ||
| Loss 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 | 92.3708% | 23 |
| Equity capital to assets | 7.4887% | 5,192 |
| Core capital (leverage) ratio | 7.3702% | 5,202 |
| Tier 1 risk-based capital ratio | 34.9544% | 345 |
| Total risk-based capital ratio | 34.9544% | 375 |
| Memoranda: | ||
| Average total assets | $14,243,000,000 | 109 |
| Average earning assets | $14,170,500,000 | 102 |
| Average equity | $1,055,500,000 | 158 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9305% | 5,222 |
| Cost of funding earning assets | 0.3472% | 4,689 |
| Net interest margin | 2.5833% | 5,082 |
| Noninterest income to average assets | 0.0138% | 5,228 |
| Noninterest expense to average assets | 0.1933% | 5,297 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.8230% | 565 |
| Return on assets (ROA) | 1.8230% | 589 |
| Pretax return on assets | 2.3892% | 292 |
| Return on Equity (ROE) | 24.6806% | 100 |
| Retained earnings to average equity (ytd only) | 24.6806% | 27 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 7.4866% | 5,297 |
| Assets per employee ($millions) | 156.6364% | 9 |
| 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 | 91.5482% | 58 |
| Equity capital to assets | 8.3140% | 5,115 |
| Core capital (leverage) ratio | 8.2055% | 5,107 |
| Tier 1 risk-based capital ratio | 38.9244% | 252 |
| Total risk-based capital ratio | 38.9244% | 278 |
| Memoranda: | ||
| Average total assets | $14,481,666,670 | 108 |
| Average earning assets | $14,400,333,330 | 100 |
| Average equity | $1,069,666,670 | 156 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9325% | 5,291 |
| Cost of funding earning assets | 0.3530% | 4,670 |
| Net interest margin | 2.5795% | 5,150 |
| Noninterest income to average assets | 0.0000% | 5,305 |
| Noninterest expense to average assets | 0.1618% | 5,357 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.8341% | 524 |
| Return on assets (ROA) | 1.8341% | 538 |
| Pretax return on assets | 2.4005% | 298 |
| Return on Equity (ROE) | 26.3694% | 83 |
| Retained earnings to average equity (ytd only) | 26.3694% | 42 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 6.3158% | 5,357 |
| Assets per employee ($millions) | 178.1235% | 9 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | 0.0000% | 5,323 |
| Total domestic deposits to total assets | 92.3551% | 47 |
| Equity capital to assets | 7.4231% | 5,276 |
| Core capital (leverage) ratio | 7.3702% | 5,298 |
| Tier 1 risk-based capital ratio | 36.3723% | 296 |
| Total risk-based capital ratio | 36.3723% | 316 |
| Memoranda: | ||
| Average total assets | $14,830,500,000 | 107 |
| Average earning assets | $14,731,500,000 | 99 |
| Average equity | $1,031,500,000 | 163 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6506% | 5,325 |
| Cost of funding earning assets | 0.2707% | 4,702 |
| Net interest margin | 2.3799% | 5,256 |
| Noninterest income to average assets | 0.0000% | 5,351 |
| Noninterest expense to average assets | 0.2249% | 5,399 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.6305% | 812 |
| Return on assets (ROA) | 1.6305% | 805 |
| Pretax return on assets | 2.1478% | 397 |
| Return on Equity (ROE) | 26.0893% | 73 |
| Retained earnings to average equity (ytd only) | 26.0893% | 19 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 9.4787% | 5,398 |
| Assets per employee ($millions) | 195.2949% | 10 |
| 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 | 93.3040% | 25 |
| Equity capital to assets | 6.5122% | 5,361 |
| Core capital (leverage) ratio | 7.1245% | 5,353 |
| Tier 1 risk-based capital ratio | 29.3286% | 498 |
| Total risk-based capital ratio | 29.3286% | 550 |
| Memoranda: | ||
| Average total assets | $8,892,876,400 | 152 |
| Average earning assets | $8,866,029,800 | 138 |
| Average equity | $555,784,400 | 227 |
| Average total loans | NA | NA |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4702% | 5,414 |
| Cost of funding earning assets | 0.2196% | 4,944 |
| Net interest margin | 2.2506% | 5,369 |
| Noninterest income to average assets | 0.0000% | 5,427 |
| Noninterest expense to average assets | 0.2737% | 5,469 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.4961% | 1,205 |
| Return on assets (ROA) | 1.4961% | 1,201 |
| Pretax return on assets | 1.9704% | 670 |
| Return on Equity (ROE) | 24.4735% | 96 |
| Retained earnings to average equity (ytd only) | 24.4735% | 24 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 12.1951% | 5,466 |
| Assets per employee ($millions) | 198.0909% | 10 |
| 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 | 93.0549% | 32 |
| Equity capital to assets | 6.3638% | 5,434 |
| Core capital (leverage) ratio | 7.0337% | 5,427 |
| Tier 1 risk-based capital ratio | 29.6218% | 498 |
| Total risk-based capital ratio | 29.6218% | 539 |
| Memoranda: | ||
| Average total assets | $7,307,845,500 | 172 |
| Average earning assets | $7,286,787,250 | 160 |
| Average equity | $446,730,500 | 262 |
| Average total loans | NA | NA |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0105% | 5,503 |
| Cost of funding earning assets | 0.1553% | 5,221 |
| Net interest margin | 1.8552% | 5,484 |
| Noninterest income to average assets | 0.0000% | 5,488 |
| Noninterest expense to average assets | 0.2090% | 5,534 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2443% | 2,004 |
| Return on assets (ROA) | 1.2443% | 2,003 |
| Pretax return on assets | 1.6420% | 1,370 |
| Return on Equity (ROE) | 21.0545% | 203 |
| Retained earnings to average equity (ytd only) | 21.0545% | 56 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 11.2928% | 5,531 |
| Assets per employee ($millions) | 196.5343% | 10 |
| 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 | 94.3455% | 10 |
| Equity capital to assets | 5.5398% | 5,517 |
| Core capital (leverage) ratio | 7.1053% | 5,476 |
| Tier 1 risk-based capital ratio | 24.0070% | 835 |
| Total risk-based capital ratio | 24.0070% | 940 |
| Memoranda: | ||
| Average total assets | $5,385,794,000 | 208 |
| Average earning assets | $5,373,716,330 | 190 |
| Average equity | $318,307,330 | 326 |
| Average total loans | NA | NA |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8328% | 5,604 |
| Cost of funding earning assets | 0.0634% | 5,526 |
| Net interest margin | 0.7694% | 5,602 |
| Noninterest income to average assets | 0.0000% | 5,557 |
| Noninterest expense to average assets | 0.2759% | 5,598 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.3733% | 4,979 |
| Return on assets (ROA) | 0.3733% | 4,985 |
| Pretax return on assets | 0.4916% | 4,883 |
| Return on Equity (ROE) | 5.7822% | 4,231 |
| Retained earnings to average equity (ytd only) | 5.7822% | 2,818 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 35.9470% | 5,514 |
| Assets per employee ($millions) | 138.6984% | 11 |
| 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 | 92.2187% | 85 |
| Equity capital to assets | 6.3592% | 5,550 |
| Core capital (leverage) ratio | 28.0361% | 78 |
| Tier 1 risk-based capital ratio | 32.6802% | 389 |
| Total risk-based capital ratio | 32.6802% | 414 |
| Memoranda: | ||
| Average total assets | $3,263,601,500 | 298 |
| Average earning assets | $3,255,656,000 | 280 |
| Average equity | $210,716,500 | 433 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.0288% | 5,668 |
| Cost of funding earning assets | 0.1460% | 5,283 |
| Net interest margin | -0.1172% | 5,668 |
| Noninterest income to average assets | 0.0000% | 5,617 |
| Noninterest expense to average assets | 0.0865% | 5,665 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.1057% | 5,421 |
| Return on assets (ROA) | -0.1057% | 5,423 |
| Pretax return on assets | -0.1706% | 5,491 |
| Return on Equity (ROE) | -0.5672% | 5,404 |
| Retained earnings to average equity (ytd only) | -0.5672% | 5,126 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | -102.7933% | 5,666 |
| Assets per employee ($millions) | 2.7927% | 5,328 |
| 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 | 13.7264% | 5,648 |
| Equity capital to assets | 82.2511% | 23 |
| Core capital (leverage) ratio | 30.4580% | 59 |
| Tier 1 risk-based capital ratio | 1,725.4958% | 2 |
| Total risk-based capital ratio | 1,725.4958% | 2 |
| Memoranda: | ||
| Average total assets | $212,779,600 | 2,795 |
| Average earning assets | $152,706,800 | 3,287 |
| Average equity | $39,671,800 | 1,870 |
| Average total loans | $47,491,200 | 4,526 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7045% | 190 |
| Cost of funding earning assets | 0.5965% | 1,550 |
| Net interest margin | 5.1080% | 187 |
| Noninterest income to average assets | 132.2250% | 9 |
| Noninterest expense to average assets | 48.5345% | 19 |
| Loan and lease loss provision to assets | -0.2688% | 5,687 |
| Net operating income to assets | 53.8413% | 4 |
| Return on assets (ROA) | 53.8413% | 4 |
| Pretax return on assets | 87.6195% | 2 |
| Return on Equity (ROE) | 296.8150% | 2 |
| Retained earnings to average equity (ytd only) | -34.6507% | 5,709 |
| Net charge-offs to loans | 1.7249% | 88 |
| Credit loss provision to net charge-offs | -69.2708% | 4,475 |
| Earnings coverage of net charge-offs (x) | 225.1051% | 389 |
| Efficiency ratio | 35.7173% | 5,643 |
| Assets per employee ($millions) | 0.3124% | 5,715 |
| Cash dividends to net income (ytd only)* | 111.6742% | 209 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,687 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,162 |
| Noncurrent assets plus other real estate owned to assets | 0.2578% | 4,029 |
| Noncurrent loans to loans | 1.1562% | 1,660 |
| Net loans and leases to total assets | 22.3007% | 5,619 |
| Net loans and leases to deposits | 52.5544% | 5,024 |
| Net loans and leases to core deposits | 57.0465% | 4,946 |
| Total domestic deposits to total assets | 42.4335% | 5,698 |
| Equity capital to assets | 22.2067% | 149 |
| Core capital (leverage) ratio | 23.6833% | 117 |
| Tier 1 risk-based capital ratio | 44.4784% | 172 |
| Total risk-based capital ratio | 44.4894% | 180 |
| Memoranda: | ||
| Average total assets | $263,880,000 | 2,400 |
| Average earning assets | $189,084,500 | 2,905 |
| Average equity | $47,867,000 | 1,590 |
| Average total loans | $59,364,000 | 4,258 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3718% | 289 |
| Cost of funding earning assets | 0.5302% | 1,913 |
| Net interest margin | 4.8416% | 293 |
| Noninterest income to average assets | 120.2096% | 9 |
| Noninterest expense to average assets | 46.4298% | 21 |
| Loan and lease loss provision to assets | -0.6137% | 5,767 |
| Net operating income to assets | 47.4584% | 4 |
| Return on assets (ROA) | 47.4584% | 4 |
| Pretax return on assets | 77.8519% | 2 |
| Return on Equity (ROE) | 282.1662% | 2 |
| Retained earnings to average equity (ytd only) | -161.0479% | 5,784 |
| Net charge-offs to loans | 1.6188% | 104 |
| Credit loss provision to net charge-offs | -168.0412% | 4,436 |
| Earnings coverage of net charge-offs (x) | 211.4969% | 395 |
| Efficiency ratio | 37.5439% | 5,671 |
| Assets per employee ($millions) | 0.2941% | 5,768 |
| Cash dividends to net income (ytd only)* | 157.0755% | 132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2447% | 4,154 |
| Noncurrent loans to loans | 1.0479% | 1,873 |
| Net loans and leases to total assets | 23.3555% | 5,657 |
| Net loans and leases to deposits | 45.5134% | 5,297 |
| Net loans and leases to core deposits | 53.0458% | 5,118 |
| Total domestic deposits to total assets | 51.3156% | 5,735 |
| Equity capital to assets | 13.8053% | 1,036 |
| Core capital (leverage) ratio | 15.3275% | 578 |
| Tier 1 risk-based capital ratio | 29.0323% | 505 |
| Total risk-based capital ratio | 29.0323% | 549 |
| Memoranda: | ||
| Average total assets | $265,609,330 | 2,402 |
| Average earning assets | $189,731,330 | 2,915 |
| Average equity | $44,673,670 | 1,686 |
| Average total loans | $59,922,000 | 4,265 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0214% | 509 |
| Cost of funding earning assets | 0.5315% | 1,850 |
| Net interest margin | 4.4899% | 531 |
| Noninterest income to average assets | 108.0427% | 12 |
| Noninterest expense to average assets | 44.7794% | 22 |
| Loan and lease loss provision to assets | 0.3236% | 384 |
| Net operating income to assets | 38.2563% | 5 |
| Return on assets (ROA) | 38.2563% | 5 |
| Pretax return on assets | 66.0902% | 2 |
| Return on Equity (ROE) | 210.6411% | 2 |
| Retained earnings to average equity (ytd only) | -316.7208% | 5,854 |
| Net charge-offs to loans | 1.4573% | 112 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | 205.2242% | 272 |
| Efficiency ratio | 40.2717% | 5,692 |
| Assets per employee ($millions) | 0.2905% | 5,836 |
| Cash dividends to net income (ytd only)* | 250.3604% | 155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3535% | 379 |
| Loan loss allowance to noncurrent loans | 255.9055% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 0.2117% | 4,374 |
| Noncurrent loans to loans | 0.9197% | 2,202 |
| Net loans and leases to total assets | 22.4763% | 5,721 |
| Net loans and leases to deposits | 39.2656% | 5,497 |
| Net loans and leases to core deposits | 47.1998% | 5,331 |
| Total domestic deposits to total assets | 57.2417% | 5,789 |
| Equity capital to assets | 12.5929% | 1,468 |
| Core capital (leverage) ratio | 12.8905% | 1,188 |
| Tier 1 risk-based capital ratio | 26.7147% | 647 |
| Total risk-based capital ratio | 27.7724% | 647 |
| Memoranda: | ||
| Average total assets | $275,635,500 | 2,359 |
| Average earning assets | $193,414,000 | 2,891 |
| Average equity | $50,060,500 | 1,538 |
| Average total loans | $61,207,500 | 4,269 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2968% | 358 |
| Cost of funding earning assets | 0.5802% | 1,483 |
| Net interest margin | 4.7166% | 414 |
| Noninterest income to average assets | 138.1994% | 7 |
| Noninterest expense to average assets | 50.2145% | 19 |
| Loan and lease loss provision to assets | 0.3255% | 554 |
| Net operating income to assets | 68.1944% | 2 |
| Return on assets (ROA) | 68.1944% | 2 |
| Pretax return on assets | 91.1137% | 2 |
| Return on Equity (ROE) | 485.0733% | 2 |
| Retained earnings to average equity (ytd only) | 91.9787% | 1 |
| Net charge-offs to loans | 1.4802% | 98 |
| Credit loss provision to net charge-offs | 99.7655% | 2,614 |
| Earnings coverage of net charge-offs (x) | 280.2931% | 261 |
| Efficiency ratio | 35.4488% | 5,831 |
| Assets per employee ($millions) | 0.3554% | 5,889 |
| Cash dividends to net income (ytd only)* | 81.0382% | 870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9352% | 751 |
| Loan loss allowance to noncurrent loans | 250.4817% | 1,897 |
| Noncurrent assets plus other real estate owned to assets | 0.1667% | 4,657 |
| Noncurrent loans to loans | 0.7726% | 2,595 |
| Net loans and leases to total assets | 21.1623% | 5,789 |
| Net loans and leases to deposits | 41.2427% | 5,509 |
| Net loans and leases to core deposits | 48.6540% | 5,348 |
| Total domestic deposits to total assets | 51.3116% | 5,862 |
| Equity capital to assets | 22.4550% | 139 |
| Core capital (leverage) ratio | 27.6863% | 70 |
| Tier 1 risk-based capital ratio | 42.8561% | 190 |
| Total risk-based capital ratio | 43.6296% | 191 |
| Memoranda: | ||
| Average total assets | $261,474,400 | 2,426 |
| Average earning assets | $191,494,600 | 2,880 |
| Average equity | $36,759,600 | 1,989 |
| Average total loans | $57,625,800 | 4,359 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4311% | 282 |
| Cost of funding earning assets | 0.5988% | 1,340 |
| Net interest margin | 4.8323% | 345 |
| Noninterest income to average assets | 137.1360% | 7 |
| Noninterest expense to average assets | 52.8684% | 15 |
| Loan and lease loss provision to assets | 0.3105% | 538 |
| Net operating income to assets | 54.4222% | 4 |
| Return on assets (ROA) | 54.4222% | 4 |
| Pretax return on assets | 87.5867% | 2 |
| Return on Equity (ROE) | 475.9456% | 2 |
| Retained earnings to average equity (ytd only) | -46.1505% | 5,964 |
| Net charge-offs to loans | 1.4048% | 101 |
| Credit loss provision to net charge-offs | 99.6564% | 2,390 |
| Earnings coverage of net charge-offs (x) | 282.0707% | 289 |
| Efficiency ratio | 37.5578% | 5,870 |
| Assets per employee ($millions) | 0.2785% | 5,962 |
| Cash dividends to net income (ytd only)* | 109.6966% | 288 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4351% | 355 |
| Loan loss allowance to noncurrent loans | 205.0473% | 2,197 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 4,363 |
| Noncurrent loans to loans | 1.1876% | 1,893 |
| Net loans and leases to total assets | 21.9498% | 5,845 |
| Net loans and leases to deposits | 36.0023% | 5,726 |
| Net loans and leases to core deposits | 43.1683% | 5,605 |
| Total domestic deposits to total assets | 60.9677% | 5,881 |
| Equity capital to assets | 11.0499% | 2,955 |
| Core capital (leverage) ratio | 10.5097% | 2,988 |
| Tier 1 risk-based capital ratio | 22.9364% | 1,012 |
| Total risk-based capital ratio | 23.9699% | 1,029 |
| Memoranda: | ||
| Average total assets | $249,019,500 | 2,522 |
| Average earning assets | $187,041,500 | 2,943 |
| Average equity | $28,474,250 | 2,498 |
| Average total loans | $55,238,000 | 4,462 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4263% | 1,756 |
| Cost of funding earning assets | 0.5090% | 2,033 |
| Net interest margin | 3.9173% | 1,924 |
| Noninterest income to average assets | 126.9092% | 8 |
| Noninterest expense to average assets | 51.6283% | 17 |
| Loan and lease loss provision to assets | 0.2783% | 663 |
| Net operating income to assets | 48.4922% | 4 |
| Return on assets (ROA) | 48.4922% | 4 |
| Pretax return on assets | 77.9908% | 2 |
| Return on Equity (ROE) | 419.6702% | 2 |
| Retained earnings to average equity (ytd only) | -76.4748% | 6,049 |
| Net charge-offs to loans | 1.2676% | 128 |
| Credit loss provision to net charge-offs | 99.4350% | 2,137 |
| Earnings coverage of net charge-offs (x) | 279.6102% | 246 |
| Efficiency ratio | 39.7454% | 5,911 |
| Assets per employee ($millions) | 0.2846% | 6,040 |
| Cash dividends to net income (ytd only)* | 118.2226% | 349 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4887% | 367 |
| Loan loss allowance to noncurrent loans | 301.6241% | 1,629 |
| Noncurrent assets plus other real estate owned to assets | 0.1796% | 4,778 |
| Noncurrent loans to loans | 0.8251% | 2,681 |
| Net loans and leases to total assets | 21.2290% | 5,926 |
| Net loans and leases to deposits | 40.7147% | 5,665 |
| Net loans and leases to core deposits | 50.3519% | 5,415 |
| Total domestic deposits to total assets | 52.1407% | 6,004 |
| Equity capital to assets | 10.3725% | 3,768 |
| Core capital (leverage) ratio | 11.2000% | 2,235 |
| Tier 1 risk-based capital ratio | 22.6069% | 1,065 |
| Total risk-based capital ratio | 23.6738% | 1,071 |
| Memoranda: | ||
| Average total assets | $252,927,330 | 2,508 |
| Average earning assets | $192,938,000 | 2,900 |
| Average equity | $29,225,330 | 2,430 |
| Average total loans | $55,855,330 | 4,475 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2823% | 2,194 |
| Cost of funding earning assets | 0.4361% | 2,715 |
| Net interest margin | 3.8462% | 2,116 |
| Noninterest income to average assets | 116.5644% | 8 |
| Noninterest expense to average assets | 47.3178% | 21 |
| Loan and lease loss provision to assets | 0.2082% | 936 |
| Net operating income to assets | 45.0234% | 4 |
| Return on assets (ROA) | 45.0234% | 4 |
| Pretax return on assets | 72.0437% | 2 |
| Return on Equity (ROE) | 372.0456% | 3 |
| Retained earnings to average equity (ytd only) | -156.7178% | 6,114 |
| Net charge-offs to loans | 0.9365% | 206 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 347.1037% | 172 |
| Efficiency ratio | 39.5734% | 5,974 |
| Assets per employee ($millions) | 0.3192% | 6,101 |
| Cash dividends to net income (ytd only)* | 142.1233% | 420 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5233% | 379 |
| Loan loss allowance to noncurrent loans | 352.8455% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 4,994 |
| Noncurrent loans to loans | 0.7151% | 3,045 |
| Net loans and leases to total assets | 19.7969% | 5,995 |
| Net loans and leases to deposits | 39.9137% | 5,720 |
| Net loans and leases to core deposits | 49.4728% | 5,460 |
| Total domestic deposits to total assets | 49.5993% | 6,070 |
| Equity capital to assets | 9.3470% | 4,843 |
| Core capital (leverage) ratio | 9.8509% | 3,717 |
| Tier 1 risk-based capital ratio | 22.8447% | 1,030 |
| Total risk-based capital ratio | 23.9699% | 1,026 |
| Memoranda: | ||
| Average total assets | $259,420,500 | 2,469 |
| Average earning assets | $202,695,000 | 2,794 |
| Average equity | $31,394,000 | 2,281 |
| Average total loans | $57,664,500 | 4,455 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5526% | 73 |
| Cost of funding earning assets | 0.1993% | 5,293 |
| Net interest margin | 6.3533% | 58 |
| Noninterest income to average assets | 158.6888% | 5 |
| Noninterest expense to average assets | 47.6458% | 22 |
| Loan and lease loss provision to assets | -0.0121% | 5,636 |
| Net operating income to assets | 72.0717% | 2 |
| Return on assets (ROA) | 72.0717% | 2 |
| Pretax return on assets | 116.2902% | 2 |
| Return on Equity (ROE) | 190.4282% | 2 |
| Retained earnings to average equity (ytd only) | -95.1509% | 6,179 |
| Net charge-offs to loans | 1.6930% | 85 |
| Credit loss provision to net charge-offs | -1.6361% | 4,916 |
| Earnings coverage of net charge-offs (x) | 156.5821% | 406 |
| Efficiency ratio | 29.0658% | 6,143 |
| Assets per employee ($millions) | 0.3360% | 6,160 |
| Cash dividends to net income (ytd only)* | 149.9668% | 165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0430% | 751 |
| Loan loss allowance to noncurrent loans | 132.3171% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.3716% | 4,110 |
| Noncurrent loans to loans | 1.5440% | 1,492 |
| Net loans and leases to total assets | 23.5777% | 6,009 |
| Net loans and leases to deposits | 39.3162% | 5,795 |
| Net loans and leases to core deposits | 46.3958% | 5,636 |
| Total domestic deposits to total assets | 59.9696% | 6,091 |
| Equity capital to assets | 14.7448% | 718 |
| Core capital (leverage) ratio | 12.5318% | 1,334 |
| Tier 1 risk-based capital ratio | 33.1184% | 393 |
| Total risk-based capital ratio | 34.2357% | 387 |
| Memoranda: | ||
| Average total assets | $271,612,800 | 2,330 |
| Average earning assets | $223,805,000 | 2,557 |
| Average equity | $102,797,800 | 752 |
| Average total loans | $119,135,000 | 3,061 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3453% | 51 |
| Cost of funding earning assets | 0.1463% | 5,809 |
| Net interest margin | 7.1990% | 40 |
| Noninterest income to average assets | 116.1253% | 9 |
| Noninterest expense to average assets | 47.4264% | 22 |
| Loan and lease loss provision to assets | -0.6859% | 6,239 |
| Net operating income to assets | 46.4815% | 4 |
| Return on assets (ROA) | 46.4815% | 4 |
| Pretax return on assets | 75.3599% | 2 |
| Return on Equity (ROE) | 106.9966% | 3 |
| Retained earnings to average equity (ytd only) | -3.1576% | 5,944 |
| Net charge-offs to loans | 1.9490% | 64 |
| Credit loss provision to net charge-offs | -72.3251% | 5,006 |
| Earnings coverage of net charge-offs (x) | 78.7447% | 751 |
| Efficiency ratio | 38.8421% | 6,149 |
| Assets per employee ($millions) | 0.4950% | 6,238 |
| Cash dividends to net income (ytd only)* | 102.9511% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0016% | 6,211 |
| Loan loss allowance to noncurrent loans | 0.2141% | 5,673 |
| Noncurrent assets plus other real estate owned to assets | 0.2743% | 4,669 |
| Noncurrent loans to loans | 0.7327% | 3,136 |
| Net loans and leases to total assets | 37.4337% | 5,730 |
| Net loans and leases to deposits | 90.2672% | 1,609 |
| Net loans and leases to core deposits | 107.9225% | 984 |
| Total domestic deposits to total assets | 41.4699% | 6,223 |
| Equity capital to assets | 36.1599% | 54 |
| Core capital (leverage) ratio | 34.3499% | 54 |
| Tier 1 risk-based capital ratio | 68.3895% | 75 |
| Total risk-based capital ratio | 68.4272% | 76 |
| Memoranda: | ||
| Average total assets | $273,323,250 | 2,329 |
| Average earning assets | $226,860,000 | 2,552 |
| Average equity | $118,737,250 | 649 |
| Average total loans | $132,986,500 | 2,853 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9849% | 40 |
| Cost of funding earning assets | 0.1000% | 6,135 |
| Net interest margin | 7.8849% | 33 |
| Noninterest income to average assets | 118.4114% | 9 |
| Noninterest expense to average assets | 50.8041% | 21 |
| Loan and lease loss provision to assets | 0.9150% | 81 |
| Net operating income to assets | 45.2142% | 4 |
| Return on assets (ROA) | 45.2142% | 4 |
| Pretax return on assets | 73.1653% | 2 |
| Return on Equity (ROE) | 96.7428% | 4 |
| Retained earnings to average equity (ytd only) | -16.5004% | 6,241 |
| Net charge-offs to loans | 2.1480% | 64 |
| Credit loss provision to net charge-offs | 79.2818% | 2,342 |
| Earnings coverage of net charge-offs (x) | 64.1851% | 807 |
| Efficiency ratio | 40.6809% | 6,194 |
| Assets per employee ($millions) | 0.4226% | 6,323 |
| Cash dividends to net income (ytd only)* | 117.0560% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3975% | 553 |
| Loan loss allowance to noncurrent loans | 317.5858% | 1,542 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 4,564 |
| Noncurrent loans to loans | 0.7549% | 3,226 |
| Net loans and leases to total assets | 42.4278% | 5,472 |
| Net loans and leases to deposits | 108.0325% | 304 |
| Net loans and leases to core deposits | 119.3525% | 482 |
| Total domestic deposits to total assets | 39.2732% | 6,302 |
| Equity capital to assets | 39.7065% | 50 |
| Core capital (leverage) ratio | 36.3145% | 52 |
| Tier 1 risk-based capital ratio | 69.5670% | 76 |
| Total risk-based capital ratio | 70.8246% | 75 |
| Memoranda: | ||
| Average total assets | $250,916,670 | 2,544 |
| Average earning assets | $205,987,670 | 2,747 |
| Average equity | $117,269,670 | 661 |
| Average total loans | $134,822,000 | 2,831 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.0463% | 28 |
| Cost of funding earning assets | 0.1002% | 6,209 |
| Net interest margin | 8.9461% | 21 |
| Noninterest income to average assets | 120.4534% | 8 |
| Noninterest expense to average assets | 56.2563% | 18 |
| Loan and lease loss provision to assets | 1.0820% | 69 |
| Net operating income to assets | 43.5356% | 5 |
| Return on assets (ROA) | 43.5356% | 5 |
| Pretax return on assets | 70.2591% | 2 |
| Return on Equity (ROE) | 85.0093% | 7 |
| Retained earnings to average equity (ytd only) | -55.6086% | 6,390 |
| Net charge-offs to loans | 1.9396% | 90 |
| Credit loss provision to net charge-offs | 92.5595% | 1,728 |
| Earnings coverage of net charge-offs (x) | 61.0313% | 726 |
| Efficiency ratio | 44.0889% | 6,177 |
| Assets per employee ($millions) | 0.3760% | 6,395 |
| Cash dividends to net income (ytd only)* | 165.4147% | 318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5666% | 485 |
| Loan loss allowance to noncurrent loans | 305.1756% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 0.5148% | 3,961 |
| Noncurrent loans to loans | 0.8410% | 3,145 |
| Net loans and leases to total assets | 59.6360% | 3,707 |
| Net loans and leases to deposits | 352.7310% | 8 |
| Net loans and leases to core deposits | 440.5356% | 22 |
| Total domestic deposits to total assets | 16.9069% | 6,389 |
| Equity capital to assets | 52.1333% | 39 |
| Core capital (leverage) ratio | 41.2782% | 47 |
| Tier 1 risk-based capital ratio | 63.7438% | 97 |
| Total risk-based capital ratio | 65.0020% | 98 |
| Memoranda: | ||
| Average total assets | $229,954,500 | 2,722 |
| Average earning assets | $183,633,000 | 3,019 |
| Average equity | $117,766,000 | 652 |
| Average total loans | $138,584,000 | 2,770 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8430% | 34 |
| Cost of funding earning assets | 0.1504% | 6,101 |
| Net interest margin | 8.6927% | 27 |
| Noninterest income to average assets | 133.7436% | 7 |
| Noninterest expense to average assets | 51.2508% | 21 |
| Loan and lease loss provision to assets | 0.5879% | 241 |
| Net operating income to assets | 55.1281% | 3 |
| Return on assets (ROA) | 55.1281% | 3 |
| Pretax return on assets | 88.9279% | 2 |
| Return on Equity (ROE) | 109.6696% | 2 |
| Retained earnings to average equity (ytd only) | 2.0021% | 4,786 |
| Net charge-offs to loans | 1.9079% | 106 |
| Credit loss provision to net charge-offs | 52.5437% | 3,430 |
| Earnings coverage of net charge-offs (x) | 79.9985% | 624 |
| Efficiency ratio | 36.4084% | 6,436 |
| Assets per employee ($millions) | 0.3872% | 6,483 |
| Cash dividends to net income (ytd only)* | 98.1744% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2570% | 768 |
| Loan loss allowance to noncurrent loans | 290.4679% | 1,674 |
| Noncurrent assets plus other real estate owned to assets | 0.4621% | 4,266 |
| Noncurrent loans to loans | 0.7770% | 3,372 |
| Net loans and leases to total assets | 58.1314% | 4,030 |
| Net loans and leases to deposits | 307.6291% | 7 |
| Net loans and leases to core deposits | 361.4371% | 25 |
| Total domestic deposits to total assets | 18.8966% | 6,478 |
| Equity capital to assets | 50.4379% | 40 |
| Core capital (leverage) ratio | 50.4379% | 40 |
| Tier 1 risk-based capital ratio | 65.8359% | 77 |
| Total risk-based capital ratio | 67.0925% | 76 |
| Memoranda: | ||
| Average total assets | $235,395,200 | 2,654 |
| Average earning assets | $190,183,600 | 2,903 |
| Average equity | $118,327,200 | 610 |
| Average total loans | $138,056,200 | 2,736 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9904% | 31 |
| Cost of funding earning assets | 0.1581% | 6,133 |
| Net interest margin | 8.8323% | 25 |
| Noninterest income to average assets | 127.3008% | 8 |
| Noninterest expense to average assets | 51.8884% | 21 |
| Loan and lease loss provision to assets | 0.5930% | 227 |
| Net operating income to assets | 50.8152% | 4 |
| Return on assets (ROA) | 50.8152% | 4 |
| Pretax return on assets | 81.9507% | 2 |
| Return on Equity (ROE) | 101.1820% | 2 |
| Retained earnings to average equity (ytd only) | -3.4930% | 6,177 |
| Net charge-offs to loans | 1.9501% | 106 |
| Credit loss provision to net charge-offs | 52.0444% | 3,072 |
| Earnings coverage of net charge-offs (x) | 72.4457% | 757 |
| Efficiency ratio | 38.5982% | 6,480 |
| Assets per employee ($millions) | 0.4009% | 6,561 |
| Cash dividends to net income (ytd only)* | 103.4522% | 321 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7780% | 452 |
| Loan loss allowance to noncurrent loans | 329.6029% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 4,471 |
| Noncurrent loans to loans | 0.8428% | 3,465 |
| Net loans and leases to total assets | 54.7780% | 4,487 |
| Net loans and leases to deposits | 248.6247% | 10 |
| Net loans and leases to core deposits | 285.8216% | 32 |
| Total domestic deposits to total assets | 22.0324% | 6,556 |
| Equity capital to assets | 51.6600% | 41 |
| Core capital (leverage) ratio | 51.6600% | 39 |
| Tier 1 risk-based capital ratio | 69.8511% | 70 |
| Total risk-based capital ratio | 71.1122% | 70 |
| Memoranda: | ||
| Average total assets | $231,814,750 | 2,697 |
| Average earning assets | $187,172,500 | 2,970 |
| Average equity | $116,421,000 | 618 |
| Average total loans | $135,441,250 | 2,786 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9677% | 32 |
| Cost of funding earning assets | 0.1607% | 6,194 |
| Net interest margin | 8.8070% | 29 |
| Noninterest income to average assets | 118.8476% | 10 |
| Noninterest expense to average assets | 51.8293% | 21 |
| Loan and lease loss provision to assets | 1.1128% | 87 |
| Net operating income to assets | 45.3031% | 5 |
| Return on assets (ROA) | 45.3031% | 5 |
| Pretax return on assets | 72.9661% | 2 |
| Return on Equity (ROE) | 91.0836% | 4 |
| Retained earnings to average equity (ytd only) | -17.2168% | 6,520 |
| Net charge-offs to loans | 2.1745% | 98 |
| Credit loss provision to net charge-offs | 86.5501% | 2,236 |
| Earnings coverage of net charge-offs (x) | 57.6174% | 828 |
| Efficiency ratio | 41.1644% | 6,500 |
| Assets per employee ($millions) | 0.4200% | 6,625 |
| Cash dividends to net income (ytd only)* | 118.9022% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3677% | 263 |
| Loan loss allowance to noncurrent loans | 465.8201% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.4221% | 4,739 |
| Noncurrent loans to loans | 0.7230% | 3,893 |
| Net loans and leases to total assets | 56.4215% | 4,218 |
| Net loans and leases to deposits | 233.1943% | 10 |
| Net loans and leases to core deposits | 271.6913% | 31 |
| Total domestic deposits to total assets | 24.1951% | 6,620 |
| Equity capital to assets | 50.7786% | 41 |
| Core capital (leverage) ratio | 50.7786% | 41 |
| Tier 1 risk-based capital ratio | 67.5635% | 75 |
| Total risk-based capital ratio | 68.8312% | 75 |
| Memoranda: | ||
| Average total assets | $231,313,000 | 2,711 |
| Average earning assets | $185,443,330 | 3,008 |
| Average equity | $115,050,330 | 619 |
| Average total loans | $136,768,330 | 2,767 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.7467% | 31 |
| Cost of funding earning assets | 0.1542% | 6,333 |
| Net interest margin | 8.5925% | 28 |
| Noninterest income to average assets | 109.3257% | 12 |
| Noninterest expense to average assets | 51.6199% | 25 |
| Loan and lease loss provision to assets | 1.2015% | 94 |
| Net operating income to assets | 39.6641% | 6 |
| Return on assets (ROA) | 39.6641% | 6 |
| Pretax return on assets | 63.5212% | 3 |
| Return on Equity (ROE) | 80.5488% | 11 |
| Retained earnings to average equity (ytd only) | -54.2407% | 6,676 |
| Net charge-offs to loans | 2.5924% | 88 |
| Credit loss provision to net charge-offs | 77.9249% | 1,921 |
| Earnings coverage of net charge-offs (x) | 41.9757% | 852 |
| Efficiency ratio | 44.3689% | 6,486 |
| Assets per employee ($millions) | 0.3798% | 6,699 |
| Cash dividends to net income (ytd only)* | 167.3389% | 331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3799% | 298 |
| Loan loss allowance to noncurrent loans | 443.3031% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.4439% | 4,803 |
| Noncurrent loans to loans | 0.7624% | 3,961 |
| Net loans and leases to total assets | 56.2521% | 4,116 |
| Net loans and leases to deposits | 222.4959% | 10 |
| Net loans and leases to core deposits | 256.0838% | 35 |
| Total domestic deposits to total assets | 25.2823% | 6,690 |
| Equity capital to assets | 48.2289% | 44 |
| Core capital (leverage) ratio | 48.2289% | 43 |
| Tier 1 risk-based capital ratio | 62.9663% | 83 |
| Total risk-based capital ratio | 64.2334% | 81 |
| Memoranda: | ||
| Average total assets | $235,033,500 | 2,692 |
| Average earning assets | $191,935,000 | 2,953 |
| Average equity | $115,736,000 | 618 |
| Average total loans | $139,795,500 | 2,743 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6722% | 34 |
| Cost of funding earning assets | 0.2012% | 6,287 |
| Net interest margin | 8.4710% | 30 |
| Noninterest income to average assets | 115.9057% | 13 |
| Noninterest expense to average assets | 44.2050% | 24 |
| Loan and lease loss provision to assets | 0.9867% | 183 |
| Net operating income to assets | 47.9747% | 3 |
| Return on assets (ROA) | 47.9747% | 3 |
| Pretax return on assets | 77.1642% | 2 |
| Return on Equity (ROE) | 106.3785% | 4 |
| Retained earnings to average equity (ytd only) | 2.5475% | 4,438 |
| Net charge-offs to loans | 2.6367% | 105 |
| Credit loss provision to net charge-offs | 69.8630% | 3,310 |
| Earnings coverage of net charge-offs (x) | 55.3321% | 734 |
| Efficiency ratio | 36.1282% | 6,733 |
| Assets per employee ($millions) | 0.4376% | 6,777 |
| Cash dividends to net income (ytd only)* | 97.6052% | 465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0813% | 428 |
| Loan loss allowance to noncurrent loans | 408.7034% | 1,142 |
| Noncurrent assets plus other real estate owned to assets | 0.4570% | 4,871 |
| Noncurrent loans to loans | 0.7539% | 4,082 |
| Net loans and leases to total assets | 58.7543% | 3,913 |
| Net loans and leases to deposits | 242.0326% | 9 |
| Net loans and leases to core deposits | 279.8453% | 33 |
| Total domestic deposits to total assets | 24.2754% | 6,777 |
| Equity capital to assets | 50.1626% | 41 |
| Core capital (leverage) ratio | 50.1626% | 40 |
| Tier 1 risk-based capital ratio | 69.5729% | 75 |
| Total risk-based capital ratio | 70.8401% | 75 |
| Memoranda: | ||
| Average total assets | $258,425,600 | 2,446 |
| Average earning assets | $196,777,400 | 2,864 |
| Average equity | $116,545,200 | 610 |
| Average total loans | $138,430,400 | 2,730 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8212% | 31 |
| Cost of funding earning assets | 0.2208% | 6,286 |
| Net interest margin | 8.6004% | 30 |
| Noninterest income to average assets | 108.4782% | 13 |
| Noninterest expense to average assets | 43.8630% | 23 |
| Loan and lease loss provision to assets | 1.1291% | 128 |
| Net operating income to assets | 43.3265% | 3 |
| Return on assets (ROA) | 43.3265% | 3 |
| Pretax return on assets | 69.8231% | 2 |
| Return on Equity (ROE) | 98.6823% | 5 |
| Retained earnings to average equity (ytd only) | -2.0362% | 6,273 |
| Net charge-offs to loans | 2.7649% | 91 |
| Credit loss provision to net charge-offs | 78.6780% | 2,880 |
| Earnings coverage of net charge-offs (x) | 49.4410% | 872 |
| Efficiency ratio | 38.2031% | 6,778 |
| Assets per employee ($millions) | 0.4215% | 6,857 |
| Cash dividends to net income (ytd only)* | 102.0634% | 388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8352% | 264 |
| Loan loss allowance to noncurrent loans | 461.3020% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.4887% | 4,972 |
| Noncurrent loans to loans | 0.8314% | 4,169 |
| Net loans and leases to total assets | 56.5243% | 4,241 |
| Net loans and leases to deposits | 231.5229% | 11 |
| Net loans and leases to core deposits | 274.5943% | 36 |
| Total domestic deposits to total assets | 24.4141% | 6,855 |
| Equity capital to assets | 52.5181% | 41 |
| Core capital (leverage) ratio | 52.5181% | 38 |
| Tier 1 risk-based capital ratio | 71.3173% | 72 |
| Total risk-based capital ratio | 72.5905% | 69 |
| Memoranda: | ||
| Average total assets | $261,440,750 | 2,443 |
| Average earning assets | $192,637,250 | 2,939 |
| Average equity | $114,785,750 | 623 |
| Average total loans | $135,700,000 | 2,775 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5409% | 37 |
| Cost of funding earning assets | 0.2393% | 6,246 |
| Net interest margin | 8.3016% | 32 |
| Noninterest income to average assets | 96.7159% | 13 |
| Noninterest expense to average assets | 42.1305% | 23 |
| Loan and lease loss provision to assets | 1.0324% | 175 |
| Net operating income to assets | 37.0593% | 5 |
| Return on assets (ROA) | 37.0593% | 5 |
| Pretax return on assets | 59.5476% | 3 |
| Return on Equity (ROE) | 89.2430% | 6 |
| Retained earnings to average equity (ytd only) | -19.2141% | 6,800 |
| Net charge-offs to loans | 2.7967% | 116 |
| Credit loss provision to net charge-offs | 73.8220% | 2,746 |
| Earnings coverage of net charge-offs (x) | 43.3173% | 874 |
| Efficiency ratio | 41.0187% | 6,778 |
| Assets per employee ($millions) | 0.5080% | 6,901 |
| Cash dividends to net income (ytd only)* | 121.5300% | 332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9727% | 259 |
| Loan loss allowance to noncurrent loans | 487.5351% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.3698% | 5,371 |
| Noncurrent loans to loans | 0.8149% | 4,282 |
| Net loans and leases to total assets | 43.5772% | 5,780 |
| Net loans and leases to deposits | 142.7869% | 23 |
| Net loans and leases to core deposits | 158.7499% | 73 |
| Total domestic deposits to total assets | 30.5190% | 6,896 |
| Equity capital to assets | 38.0238% | 43 |
| Core capital (leverage) ratio | 38.0238% | 42 |
| Tier 1 risk-based capital ratio | 55.5644% | 105 |
| Total risk-based capital ratio | 56.8315% | 103 |
| Memoranda: | ||
| Average total assets | $273,146,330 | 2,339 |
| Average earning assets | $197,239,330 | 2,897 |
| Average equity | $113,427,330 | 631 |
| Average total loans | $136,590,000 | 2,766 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.9096% | 31 |
| Cost of funding earning assets | 0.3209% | 5,803 |
| Net interest margin | 8.5887% | 29 |
| Noninterest income to average assets | 94.7660% | 13 |
| Noninterest expense to average assets | 42.7643% | 25 |
| Loan and lease loss provision to assets | 1.2311% | 126 |
| Net operating income to assets | 38.3461% | 5 |
| Return on assets (ROA) | 38.3461% | 5 |
| Pretax return on assets | 57.0226% | 4 |
| Return on Equity (ROE) | 88.2944% | 9 |
| Retained earnings to average equity (ytd only) | -36.9978% | 6,922 |
| Net charge-offs to loans | 2.6310% | 150 |
| Credit loss provision to net charge-offs | 89.0949% | 2,041 |
| Earnings coverage of net charge-offs (x) | 42.1570% | 754 |
| Efficiency ratio | 42.3333% | 6,827 |
| Assets per employee ($millions) | 0.4956% | 6,978 |
| Cash dividends to net income (ytd only)* | 141.9028% | 389 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3180% | 223 |
| Loan loss allowance to noncurrent loans | 461.0700% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.4241% | 5,337 |
| Noncurrent loans to loans | 0.9365% | 4,263 |
| Net loans and leases to total assets | 43.3305% | 5,726 |
| Net loans and leases to deposits | 148.0724% | 23 |
| Net loans and leases to core deposits | 164.5502% | 67 |
| Total domestic deposits to total assets | 29.2631% | 6,976 |
| Equity capital to assets | 38.3795% | 45 |
| Core capital (leverage) ratio | 38.3795% | 43 |
| Tier 1 risk-based capital ratio | 54.4981% | 114 |
| Total risk-based capital ratio | 55.7670% | 111 |
| Memoranda: | ||
| Average total assets | $265,445,500 | 2,435 |
| Average earning assets | $193,230,000 | 2,975 |
| Average equity | $115,282,500 | 632 |
| Average total loans | $139,413,500 | 2,735 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4008% | 44 |
| Cost of funding earning assets | 0.3059% | 6,423 |
| Net interest margin | 8.0949% | 36 |
| Noninterest income to average assets | 100.6609% | 13 |
| Noninterest expense to average assets | 42.3054% | 20 |
| Loan and lease loss provision to assets | 1.4151% | 235 |
| Net operating income to assets | 40.3390% | 4 |
| Return on assets (ROA) | 40.3390% | 4 |
| Pretax return on assets | 63.2517% | 4 |
| Return on Equity (ROE) | 99.4788% | 5 |
| Retained earnings to average equity (ytd only) | 7.5721% | 1,297 |
| Net charge-offs to loans | 4.3424% | 56 |
| Credit loss provision to net charge-offs | 64.4324% | 4,332 |
| Earnings coverage of net charge-offs (x) | 29.4439% | 1,024 |
| Efficiency ratio | 39.5480% | 6,937 |
| Assets per employee ($millions) | 0.4164% | 7,047 |
| Cash dividends to net income (ytd only)* | 92.3882% | 642 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8245% | 325 |
| Loan loss allowance to noncurrent loans | 473.5880% | 864 |
| Noncurrent assets plus other real estate owned to assets | 0.4926% | 5,238 |
| Noncurrent loans to loans | 0.8076% | 4,576 |
| Net loans and leases to total assets | 58.6677% | 3,860 |
| Net loans and leases to deposits | 244.2476% | 14 |
| Net loans and leases to core deposits | 279.8962% | 38 |
| Total domestic deposits to total assets | 24.0198% | 7,045 |
| Equity capital to assets | 49.3497% | 41 |
| Core capital (leverage) ratio | 49.3497% | 39 |
| Tier 1 risk-based capital ratio | 64.1762% | 86 |
| Total risk-based capital ratio | 65.4484% | 86 |
| Memoranda: | ||
| Average total assets | $277,151,400 | 2,292 |
| Average earning assets | $216,086,400 | 2,659 |
| Average equity | $112,385,800 | 636 |
| Average total loans | $140,175,400 | 2,714 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1055% | 47 |
| Cost of funding earning assets | 0.2931% | 6,645 |
| Net interest margin | 7.8124% | 37 |
| Noninterest income to average assets | 91.8211% | 14 |
| Noninterest expense to average assets | 41.4890% | 20 |
| Loan and lease loss provision to assets | 1.4640% | 219 |
| Net operating income to assets | 35.3710% | 5 |
| Return on assets (ROA) | 35.3710% | 5 |
| Pretax return on assets | 54.9824% | 5 |
| Return on Equity (ROE) | 91.4783% | 4 |
| Retained earnings to average equity (ytd only) | 2.7880% | 4,880 |
| Net charge-offs to loans | 4.6374% | 55 |
| Credit loss provision to net charge-offs | 65.2980% | 4,018 |
| Earnings coverage of net charge-offs (x) | 25.1772% | 1,258 |
| Efficiency ratio | 42.3637% | 6,953 |
| Assets per employee ($millions) | 0.5488% | 7,140 |
| Cash dividends to net income (ytd only)* | 96.9523% | 372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6992% | 180 |
| Loan loss allowance to noncurrent loans | 515.1163% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.3946% | 5,704 |
| Noncurrent loans to loans | 0.9123% | 4,609 |
| Net loans and leases to total assets | 41.2226% | 6,183 |
| Net loans and leases to deposits | 141.5415% | 28 |
| Net loans and leases to core deposits | 154.5108% | 96 |
| Total domestic deposits to total assets | 29.1240% | 7,141 |
| Equity capital to assets | 37.4972% | 47 |
| Core capital (leverage) ratio | 37.4972% | 47 |
| Tier 1 risk-based capital ratio | 56.6745% | 106 |
| Total risk-based capital ratio | 57.9470% | 106 |
| Memoranda: | ||
| Average total assets | $285,337,500 | 2,260 |
| Average earning assets | $223,315,750 | 2,601 |
| Average equity | $110,328,750 | 644 |
| Average total loans | $137,946,750 | 2,776 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0794% | 46 |
| Cost of funding earning assets | 0.2878% | 6,773 |
| Net interest margin | 7.7916% | 38 |
| Noninterest income to average assets | 87.7437% | 15 |
| Noninterest expense to average assets | 42.2173% | 21 |
| Loan and lease loss provision to assets | 1.8921% | 161 |
| Net operating income to assets | 32.8567% | 5 |
| Return on assets (ROA) | 32.8567% | 5 |
| Pretax return on assets | 49.8702% | 5 |
| Return on Equity (ROE) | 84.0485% | 5 |
| Retained earnings to average equity (ytd only) | -6.7121% | 6,707 |
| Net charge-offs to loans | 4.8479% | 73 |
| Credit loss provision to net charge-offs | 77.7417% | 3,383 |
| Earnings coverage of net charge-offs (x) | 21.2683% | 1,352 |
| Efficiency ratio | 44.9218% | 6,918 |
| Assets per employee ($millions) | 0.4714% | 7,205 |
| Cash dividends to net income (ytd only)* | 107.9859% | 353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4179% | 112 |
| Loan loss allowance to noncurrent loans | 553.4630% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.4920% | 5,526 |
| Noncurrent loans to loans | 0.9789% | 4,556 |
| Net loans and leases to total assets | 47.5369% | 5,656 |
| Net loans and leases to deposits | 165.2826% | 16 |
| Net loans and leases to core deposits | 181.3305% | 64 |
| Total domestic deposits to total assets | 28.7610% | 7,206 |
| Equity capital to assets | 41.5216% | 42 |
| Core capital (leverage) ratio | 41.5216% | 40 |
| Tier 1 risk-based capital ratio | 60.9614% | 92 |
| Total risk-based capital ratio | 62.2453% | 91 |
| Memoranda: | ||
| Average total assets | $278,743,670 | 2,303 |
| Average earning assets | $223,086,330 | 2,608 |
| Average equity | $108,968,000 | 652 |
| Average total loans | $139,935,670 | 2,767 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8790% | 52 |
| Cost of funding earning assets | 0.2692% | 6,952 |
| Net interest margin | 7.6098% | 44 |
| Noninterest income to average assets | 81.0766% | 14 |
| Noninterest expense to average assets | 37.3616% | 21 |
| Loan and lease loss provision to assets | 1.4204% | 251 |
| Net operating income to assets | 30.3973% | 5 |
| Return on assets (ROA) | 30.3973% | 5 |
| Pretax return on assets | 48.4687% | 4 |
| Return on Equity (ROE) | 80.0154% | 10 |
| Retained earnings to average equity (ytd only) | -21.0567% | 7,058 |
| Net charge-offs to loans | 4.9186% | 97 |
| Credit loss provision to net charge-offs | 57.5536% | 3,160 |
| Earnings coverage of net charge-offs (x) | 20.2148% | 1,195 |
| Efficiency ratio | 42.8209% | 7,032 |
| Assets per employee ($millions) | 0.5097% | 7,267 |
| Cash dividends to net income (ytd only)* | 126.3158% | 398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3762% | 125 |
| Loan loss allowance to noncurrent loans | 469.2612% | 722 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 5,446 |
| Noncurrent loans to loans | 1.1457% | 4,422 |
| Net loans and leases to total assets | 47.7010% | 5,598 |
| Net loans and leases to deposits | 156.6163% | 18 |
| Net loans and leases to core deposits | 168.8285% | 71 |
| Total domestic deposits to total assets | 30.4573% | 7,269 |
| Equity capital to assets | 40.5175% | 38 |
| Core capital (leverage) ratio | 40.5175% | 37 |
| Tier 1 risk-based capital ratio | 58.2925% | 98 |
| Total risk-based capital ratio | 59.5750% | 98 |
| Memoranda: | ||
| Average total assets | $287,525,500 | 2,263 |
| Average earning assets | $233,278,500 | 2,510 |
| Average equity | $109,229,000 | 646 |
| Average total loans | $144,269,000 | 2,715 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.8068% | 40 |
| Cost of funding earning assets | 0.3335% | 7,049 |
| Net interest margin | 8.4733% | 29 |
| Noninterest income to average assets | 95.6716% | 11 |
| Noninterest expense to average assets | 42.3069% | 21 |
| Loan and lease loss provision to assets | 2.8227% | 138 |
| Net operating income to assets | 36.0026% | 3 |
| Return on assets (ROA) | 36.0026% | 3 |
| Pretax return on assets | 57.8206% | 3 |
| Return on Equity (ROE) | 79.0810% | 4 |
| Retained earnings to average equity (ytd only) | -4.6104% | 6,419 |
| Net charge-offs to loans | 6.3872% | 43 |
| Credit loss provision to net charge-offs | 78.2865% | 4,538 |
| Earnings coverage of net charge-offs (x) | 16.8189% | 1,302 |
| Efficiency ratio | 41.0945% | 7,191 |
| Assets per employee ($millions) | 0.5683% | 7,316 |
| Cash dividends to net income (ytd only)* | 105.8299% | 270 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.0360% | 175 |
| Loan loss allowance to noncurrent loans | 484.7197% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.5193% | 5,664 |
| Noncurrent loans to loans | 1.0390% | 4,630 |
| Net loans and leases to total assets | 47.4616% | 5,880 |
| Net loans and leases to deposits | 192.4760% | 16 |
| Net loans and leases to core deposits | 207.0237% | 58 |
| Total domestic deposits to total assets | 24.6585% | 7,319 |
| Equity capital to assets | 35.8662% | 47 |
| Core capital (leverage) ratio | 35.8662% | 47 |
| Tier 1 risk-based capital ratio | 58.1338% | 102 |
| Total risk-based capital ratio | 59.4188% | 101 |
| Memoranda: | ||
| Average total assets | $253,795,400 | 2,483 |
| Average earning assets | $218,013,800 | 2,635 |
| Average equity | $115,543,600 | 598 |
| Average total loans | $143,271,800 | 2,735 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.3788% | 34 |
| Cost of funding earning assets | 0.3675% | 7,091 |
| Net interest margin | 9.0113% | 27 |
| Noninterest income to average assets | 95.8885% | 11 |
| Noninterest expense to average assets | 43.8744% | 21 |
| Loan and lease loss provision to assets | 3.3786% | 87 |
| Net operating income to assets | 35.5396% | 4 |
| Return on assets (ROA) | 35.5396% | 4 |
| Pretax return on assets | 56.4009% | 3 |
| Return on Equity (ROE) | 73.0017% | 7 |
| Retained earnings to average equity (ytd only) | 3.4752% | 4,267 |
| Net charge-offs to loans | 6.8038% | 41 |
| Credit loss provision to net charge-offs | 84.7887% | 3,968 |
| Earnings coverage of net charge-offs (x) | 15.0020% | 1,497 |
| Efficiency ratio | 42.3278% | 7,197 |
| Assets per employee ($millions) | 0.5584% | 7,396 |
| Cash dividends to net income (ytd only)* | 95.2396% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.5569% | 65 |
| Loan loss allowance to noncurrent loans | 339.1489% | 945 |
| Noncurrent assets plus other real estate owned to assets | 0.8919% | 4,954 |
| Noncurrent loans to loans | 1.9333% | 3,458 |
| Net loans and leases to total assets | 43.1077% | 6,421 |
| Net loans and leases to deposits | 161.8968% | 22 |
| Net loans and leases to core deposits | 174.0825% | 84 |
| Total domestic deposits to total assets | 26.6266% | 7,392 |
| Equity capital to assets | 41.5640% | 50 |
| Core capital (leverage) ratio | 41.5640% | 50 |
| Tier 1 risk-based capital ratio | 73.8243% | 73 |
| Total risk-based capital ratio | 75.1253% | 73 |
| Memoranda: | ||
| Average total assets | $239,103,750 | 2,658 |
| Average earning assets | $206,047,250 | 2,784 |
| Average equity | $116,403,500 | 600 |
| Average total loans | $140,036,250 | 2,811 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.2507% | 32 |
| Cost of funding earning assets | 0.4281% | 7,067 |
| Net interest margin | 9.8226% | 27 |
| Noninterest income to average assets | 95.8266% | 13 |
| Noninterest expense to average assets | 45.6167% | 22 |
| Loan and lease loss provision to assets | 3.4114% | 116 |
| Net operating income to assets | 35.1331% | 4 |
| Return on assets (ROA) | 35.1331% | 4 |
| Pretax return on assets | 55.1831% | 4 |
| Return on Equity (ROE) | 67.8524% | 10 |
| Retained earnings to average equity (ytd only) | -2.0304% | 6,256 |
| Net charge-offs to loans | 6.8619% | 58 |
| Credit loss provision to net charge-offs | 77.7117% | 3,838 |
| Earnings coverage of net charge-offs (x) | 13.3478% | 1,556 |
| Efficiency ratio | 43.7733% | 7,240 |
| Assets per employee ($millions) | 0.4576% | 7,476 |
| Cash dividends to net income (ytd only)* | 102.9924% | 433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.6734% | 66 |
| Loan loss allowance to noncurrent loans | 389.8177% | 826 |
| Noncurrent assets plus other real estate owned to assets | 0.9713% | 4,925 |
| Noncurrent loans to loans | 1.7119% | 3,872 |
| Net loans and leases to total assets | 52.9492% | 5,447 |
| Net loans and leases to deposits | 245.7182% | 15 |
| Net loans and leases to core deposits | 275.4572% | 50 |
| Total domestic deposits to total assets | 21.5488% | 7,468 |
| Equity capital to assets | 50.2099% | 44 |
| Core capital (leverage) ratio | 50.2099% | 46 |
| Tier 1 risk-based capital ratio | 73.9676% | 74 |
| Total risk-based capital ratio | 75.2712% | 73 |
| Memoranda: | ||
| Average total assets | $222,195,000 | 2,837 |
| Average earning assets | $189,665,330 | 3,001 |
| Average equity | $115,049,670 | 607 |
| Average total loans | $142,146,330 | 2,803 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9271% | 28 |
| Cost of funding earning assets | 0.4742% | 7,053 |
| Net interest margin | 10.4529% | 25 |
| Noninterest income to average assets | 92.1387% | 13 |
| Noninterest expense to average assets | 47.0753% | 21 |
| Loan and lease loss provision to assets | 3.8471% | 109 |
| Net operating income to assets | 32.2257% | 3 |
| Return on assets (ROA) | 32.2257% | 3 |
| Pretax return on assets | 50.1353% | 3 |
| Return on Equity (ROE) | 61.2497% | 23 |
| Retained earnings to average equity (ytd only) | -20.8873% | 7,168 |
| Net charge-offs to loans | 5.8753% | 115 |
| Credit loss provision to net charge-offs | 96.5390% | 2,823 |
| Earnings coverage of net charge-offs (x) | 13.5464% | 1,425 |
| Efficiency ratio | 46.5826% | 7,177 |
| Assets per employee ($millions) | 0.4060% | 7,538 |
| Cash dividends to net income (ytd only)* | 134.1018% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.9864% | 62 |
| Loan loss allowance to noncurrent loans | 371.6838% | 841 |
| Noncurrent assets plus other real estate owned to assets | 1.2732% | 4,411 |
| Noncurrent loans to loans | 1.8797% | 3,723 |
| Net loans and leases to total assets | 63.0050% | 3,657 |
| Net loans and leases to deposits | 257.4816% | 13 |
| Net loans and leases to core deposits | 286.6298% | 49 |
| Total domestic deposits to total assets | 24.4697% | 7,527 |
| Equity capital to assets | 53.9371% | 43 |
| Core capital (leverage) ratio | 53.9371% | 37 |
| Tier 1 risk-based capital ratio | 68.2463% | 82 |
| Total risk-based capital ratio | 69.5548% | 80 |
| Memoranda: | ||
| Average total assets | $217,515,500 | 2,904 |
| Average earning assets | $185,594,000 | 3,074 |
| Average equity | $114,443,000 | 602 |
| Average total loans | $147,533,000 | 2,749 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.3117% | 27 |
| Cost of funding earning assets | 0.7074% | 6,864 |
| Net interest margin | 11.6044% | 23 |
| Noninterest income to average assets | 104.7914% | 11 |
| Noninterest expense to average assets | 49.9259% | 22 |
| Loan and lease loss provision to assets | 5.5582% | 53 |
| Net operating income to assets | 36.3109% | 4 |
| Return on assets (ROA) | 36.3109% | 4 |
| Pretax return on assets | 58.8126% | 4 |
| Return on Equity (ROE) | 67.9209% | 6 |
| Retained earnings to average equity (ytd only) | 7.3769% | 1,183 |
| Net charge-offs to loans | 9.8531% | 17 |
| Credit loss provision to net charge-offs | 80.5939% | 5,544 |
| Earnings coverage of net charge-offs (x) | 9.3337% | 1,840 |
| Efficiency ratio | 43.6810% | 7,427 |
| Assets per employee ($millions) | 0.4050% | 7,621 |
| Cash dividends to net income (ytd only)* | 89.1389% | 597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3536% | 92 |
| Loan loss allowance to noncurrent loans | 349.0613% | 892 |
| Noncurrent assets plus other real estate owned to assets | 1.2360% | 4,549 |
| Noncurrent loans to loans | 1.8202% | 3,790 |
| Net loans and leases to total assets | 63.5924% | 3,953 |
| Net loans and leases to deposits | 243.8304% | 18 |
| Net loans and leases to core deposits | 267.6544% | 55 |
| Total domestic deposits to total assets | 26.0806% | 7,601 |
| Equity capital to assets | 51.4164% | 46 |
| Core capital (leverage) ratio | 51.4164% | 46 |
| Tier 1 risk-based capital ratio | 65.8072% | 85 |
| Total risk-based capital ratio | 67.1101% | 84 |
| Memoranda: | ||
| Average total assets | $206,073,200 | 3,029 |
| Average earning assets | $168,798,400 | 3,302 |
| Average equity | $110,167,800 | 609 |
| Average total loans | $144,239,400 | 2,860 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.7850% | 26 |
| Cost of funding earning assets | 0.7881% | 6,798 |
| Net interest margin | 11.9969% | 19 |
| Noninterest income to average assets | 101.4338% | 12 |
| Noninterest expense to average assets | 50.9936% | 22 |
| Loan and lease loss provision to assets | 6.6122% | 34 |
| Net operating income to assets | 33.3183% | 5 |
| Return on assets (ROA) | 33.3183% | 5 |
| Pretax return on assets | 53.5259% | 4 |
| Return on Equity (ROE) | 61.6518% | 9 |
| Retained earnings to average equity (ytd only) | 3.5710% | 3,937 |
| Net charge-offs to loans | 10.8321% | 19 |
| Credit loss provision to net charge-offs | 86.4759% | 4,905 |
| Earnings coverage of net charge-offs (x) | 7.8650% | 2,252 |
| Efficiency ratio | 45.8857% | 7,387 |
| Assets per employee ($millions) | 0.3965% | 7,724 |
| Cash dividends to net income (ytd only)* | 94.2078% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.6810% | 45 |
| Loan loss allowance to noncurrent loans | 353.3717% | 838 |
| Noncurrent assets plus other real estate owned to assets | 1.5088% | 4,194 |
| Noncurrent loans to loans | 2.1736% | 3,476 |
| Net loans and leases to total assets | 64.0802% | 4,108 |
| Net loans and leases to deposits | 280.2235% | 14 |
| Net loans and leases to core deposits | 356.5476% | 41 |
| Total domestic deposits to total assets | 22.8675% | 7,707 |
| Equity capital to assets | 54.1039% | 50 |
| Core capital (leverage) ratio | 54.1039% | 42 |
| Tier 1 risk-based capital ratio | 67.0075% | 88 |
| Total risk-based capital ratio | 68.3236% | 88 |
| Memoranda: | ||
| Average total assets | $200,493,500 | 3,129 |
| Average earning assets | $162,071,000 | 3,461 |
| Average equity | $108,352,000 | 608 |
| Average total loans | $141,525,750 | 2,950 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 12.9867% | 27 |
| Cost of funding earning assets | 0.9088% | 6,541 |
| Net interest margin | 12.0780% | 20 |
| Noninterest income to average assets | 96.9340% | 13 |
| Noninterest expense to average assets | 49.4403% | 25 |
| Loan and lease loss provision to assets | 7.8236% | 26 |
| Net operating income to assets | 30.3167% | 5 |
| Return on assets (ROA) | 30.3167% | 5 |
| Pretax return on assets | 49.3131% | 4 |
| Return on Equity (ROE) | 56.1198% | 12 |
| Retained earnings to average equity (ytd only) | 0.0803% | 5,709 |
| Net charge-offs to loans | 11.8223% | 22 |
| Credit loss provision to net charge-offs | 93.2075% | 4,324 |
| Earnings coverage of net charge-offs (x) | 6.8070% | 2,400 |
| Efficiency ratio | 46.3892% | 7,422 |
| Assets per employee ($millions) | 0.3828% | 7,795 |
| Cash dividends to net income (ytd only)* | 99.8569% | 462 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.7057% | 31 |
| Loan loss allowance to noncurrent loans | 346.0787% | 852 |
| Noncurrent assets plus other real estate owned to assets | 1.7763% | 3,794 |
| Noncurrent loans to loans | 2.5155% | 3,138 |
| Net loans and leases to total assets | 64.4657% | 4,166 |
| Net loans and leases to deposits | 285.2685% | 15 |
| Net loans and leases to core deposits | 318.5988% | 47 |
| Total domestic deposits to total assets | 22.5982% | 7,778 |
| Equity capital to assets | 55.7975% | 48 |
| Core capital (leverage) ratio | 55.7975% | 43 |
| Tier 1 risk-based capital ratio | 70.0718% | 88 |
| Total risk-based capital ratio | 71.4015% | 85 |
| Memoranda: | ||
| Average total assets | $198,194,670 | 3,189 |
| Average earning assets | $158,238,330 | 3,548 |
| Average equity | $107,067,330 | 613 |
| Average total loans | $140,716,670 | 2,994 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 13.4407% | 26 |
| Cost of funding earning assets | 1.0724% | 6,025 |
| Net interest margin | 12.3683% | 19 |
| Noninterest income to average assets | 90.6965% | 14 |
| Noninterest expense to average assets | 51.7735% | 22 |
| Loan and lease loss provision to assets | 9.6755% | 32 |
| Net operating income to assets | 23.9731% | 6 |
| Return on assets (ROA) | 23.9731% | 7 |
| Pretax return on assets | 38.8768% | 4 |
| Return on Equity (ROE) | 45.1063% | 31 |
| Retained earnings to average equity (ytd only) | -30.4170% | 7,554 |
| Net charge-offs to loans | 13.5209% | 25 |
| Credit loss provision to net charge-offs | 100.5213% | 3,372 |
| Earnings coverage of net charge-offs (x) | 5.0442% | 2,483 |
| Efficiency ratio | 51.6054% | 7,183 |
| Assets per employee ($millions) | 0.3415% | 7,902 |
| Cash dividends to net income (ytd only)* | 167.4341% | 260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.9261% | 31 |
| Loan loss allowance to noncurrent loans | 481.9603% | 669 |
| Noncurrent assets plus other real estate owned to assets | 1.4270% | 4,371 |
| Noncurrent loans to loans | 1.8520% | 3,986 |
| Net loans and leases to total assets | 70.1729% | 2,890 |
| Net loans and leases to deposits | 295.8153% | 18 |
| Net loans and leases to core deposits | 328.7532% | 51 |
| Total domestic deposits to total assets | 23.7218% | 7,879 |
| Equity capital to assets | 55.1208% | 43 |
| Core capital (leverage) ratio | 55.1208% | 41 |
| Tier 1 risk-based capital ratio | 63.1878% | 98 |
| Total risk-based capital ratio | 64.5199% | 98 |
| Memoranda: | ||
| Average total assets | $199,306,500 | 3,226 |
| Average earning assets | $155,171,000 | 3,664 |
| Average equity | $105,927,500 | 626 |
| Average total loans | $141,884,500 | 3,041 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 11.4478% | 29 |
| Cost of funding earning assets | 1.2025% | 6,651 |
| Net interest margin | 10.2453% | 27 |
| Noninterest income to average assets | 100.4800% | 12 |
| Noninterest expense to average assets | 45.3593% | 23 |
| Loan and lease loss provision to assets | 8.8167% | 27 |
| Net operating income to assets | 33.6209% | 4 |
| Return on assets (ROA) | 33.6209% | 4 |
| Pretax return on assets | 54.3306% | 4 |
| Return on Equity (ROE) | 61.8168% | 8 |
| Retained earnings to average equity (ytd only) | 5.3202% | 1,669 |
| Net charge-offs to loans | 9.3647% | 45 |
| Credit loss provision to net charge-offs | 131.4567% | 3,848 |
| Earnings coverage of net charge-offs (x) | 9.4153% | 1,804 |
| Efficiency ratio | 41.8033% | 7,829 |
| Assets per employee ($millions) | 0.3569% | 7,981 |
| Cash dividends to net income (ytd only)* | 91.3935% | 818 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.8695% | 27 |
| Loan loss allowance to noncurrent loans | 401.0175% | 832 |
| Noncurrent assets plus other real estate owned to assets | 1.4637% | 4,206 |
| Noncurrent loans to loans | 2.2118% | 3,381 |
| Net loans and leases to total assets | 60.3073% | 5,290 |
| Net loans and leases to deposits | 265.8986% | 19 |
| Net loans and leases to core deposits | 345.2508% | 27 |
| Total domestic deposits to total assets | 22.6806% | 7,957 |
| Equity capital to assets | 51.4611% | 52 |
| Core capital (leverage) ratio | 51.4611% | 48 |
| Tier 1 risk-based capital ratio | 62.4785% | 105 |
| Total risk-based capital ratio | 63.8012% | 104 |
| Memoranda: | ||
| Average total assets | $192,011,400 | 3,266 |
| Average earning assets | $150,430,600 | 3,705 |
| Average equity | $104,431,200 | 625 |
| Average total loans | $137,517,000 | 3,126 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.7785% | 33 |
| Cost of funding earning assets | 1.2089% | 6,864 |
| Net interest margin | 9.5696% | 29 |
| Noninterest income to average assets | 97.8509% | 13 |
| Noninterest expense to average assets | 46.4875% | 24 |
| Loan and lease loss provision to assets | 8.3900% | 35 |
| Net operating income to assets | 31.0787% | 4 |
| Return on assets (ROA) | 31.0787% | 4 |
| Pretax return on assets | 50.5590% | 4 |
| Return on Equity (ROE) | 56.2694% | 15 |
| Retained earnings to average equity (ytd only) | -2.0409% | 5,732 |
| Net charge-offs to loans | 9.0893% | 61 |
| Credit loss provision to net charge-offs | 126.1216% | 3,989 |
| Earnings coverage of net charge-offs (x) | 8.8614% | 2,184 |
| Efficiency ratio | 44.0905% | 7,836 |
| Assets per employee ($millions) | 0.3813% | 8,064 |
| Cash dividends to net income (ytd only)* | 103.6269% | 529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 8.1460% | 30 |
| Loan loss allowance to noncurrent loans | 443.6415% | 708 |
| Noncurrent assets plus other real estate owned to assets | 1.2165% | 4,638 |
| Noncurrent loans to loans | 1.8362% | 3,860 |
| Net loans and leases to total assets | 60.8555% | 5,448 |
| Net loans and leases to deposits | 331.4014% | 18 |
| Net loans and leases to core deposits | 453.8532% | 23 |
| Total domestic deposits to total assets | 18.3631% | 8,050 |
| Equity capital to assets | 50.8037% | 48 |
| Core capital (leverage) ratio | 50.8037% | 54 |
| Tier 1 risk-based capital ratio | 61.6329% | 110 |
| Total risk-based capital ratio | 62.9484% | 108 |
| Memoranda: | ||
| Average total assets | $186,296,500 | 3,364 |
| Average earning assets | $147,673,000 | 3,767 |
| Average equity | $102,895,250 | 644 |
| Average total loans | $136,347,500 | 3,187 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9232% | 34 |
| Cost of funding earning assets | 1.0992% | 7,378 |
| Net interest margin | 9.8240% | 27 |
| Noninterest income to average assets | 95.3493% | 13 |
| Noninterest expense to average assets | 47.4298% | 26 |
| Loan and lease loss provision to assets | 9.0326% | 45 |
| Net operating income to assets | 28.8306% | 5 |
| Return on assets (ROA) | 28.8306% | 5 |
| Pretax return on assets | 46.7584% | 5 |
| Return on Equity (ROE) | 50.6716% | 17 |
| Retained earnings to average equity (ytd only) | -10.6647% | 6,939 |
| Net charge-offs to loans | 8.6326% | 80 |
| Credit loss provision to net charge-offs | 138.0461% | 3,385 |
| Earnings coverage of net charge-offs (x) | 8.5266% | 2,249 |
| Efficiency ratio | 45.9498% | 7,853 |
| Assets per employee ($millions) | 0.3324% | 8,161 |
| Cash dividends to net income (ytd only)* | 121.0468% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7533% | 36 |
| Loan loss allowance to noncurrent loans | 383.5344% | 820 |
| Noncurrent assets plus other real estate owned to assets | 1.5441% | 3,913 |
| Noncurrent loans to loans | 2.0215% | 3,483 |
| Net loans and leases to total assets | 70.4614% | 3,590 |
| Net loans and leases to deposits | 409.1574% | 20 |
| Net loans and leases to core deposits | 523.4897% | 24 |
| Total domestic deposits to total assets | 17.2211% | 8,140 |
| Equity capital to assets | 55.8848% | 54 |
| Core capital (leverage) ratio | 55.8848% | 54 |
| Tier 1 risk-based capital ratio | 64.8008% | 115 |
| Total risk-based capital ratio | 66.1198% | 114 |
| Memoranda: | ||
| Average total assets | $180,523,670 | 3,472 |
| Average earning assets | $144,646,330 | 3,846 |
| Average equity | $102,712,330 | 657 |
| Average total loans | $136,830,000 | 3,210 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 10.9013% | 35 |
| Cost of funding earning assets | 0.8763% | 7,838 |
| Net interest margin | 10.0250% | 26 |
| Noninterest income to average assets | 88.9042% | 14 |
| Noninterest expense to average assets | 46.1275% | 30 |
| Loan and lease loss provision to assets | 9.0990% | 56 |
| Net operating income to assets | 26.1138% | 7 |
| Return on assets (ROA) | 26.1138% | 7 |
| Pretax return on assets | 41.7830% | 6 |
| Return on Equity (ROE) | 45.4855% | 30 |
| Retained earnings to average equity (ytd only) | -34.0686% | 7,904 |
| Net charge-offs to loans | 7.8350% | 97 |
| Credit loss provision to net charge-offs | 153.8230% | 2,720 |
| Earnings coverage of net charge-offs (x) | 8.6019% | 2,168 |
| Efficiency ratio | 47.5495% | 7,752 |
| Assets per employee ($millions) | 0.3333% | 8,215 |
| Cash dividends to net income (ytd only)* | 174.8998% | 362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.3695% | 39 |
| Loan loss allowance to noncurrent loans | 392.9976% | 899 |
| Noncurrent assets plus other real estate owned to assets | 1.4581% | 3,744 |
| Noncurrent loans to loans | 1.8752% | 3,450 |
| Net loans and leases to total assets | 72.0249% | 3,237 |
| Net loans and leases to deposits | 421.1887% | 19 |
| Net loans and leases to core deposits | 522.1816% | 23 |
| Total domestic deposits to total assets | 17.1004% | 8,195 |
| Equity capital to assets | 56.6046% | 57 |
| Core capital (leverage) ratio | 56.6046% | 58 |
| Tier 1 risk-based capital ratio | 63.9321% | 130 |
| Total risk-based capital ratio | 65.2466% | 127 |
| Memoranda: | ||
| Average total assets | $179,537,000 | 3,511 |
| Average earning assets | $145,157,500 | 3,854 |
| Average equity | $103,074,500 | 650 |
| Average total loans | $135,546,000 | 3,258 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.2153% | 63 |
| Cost of funding earning assets | 0.8732% | 8,097 |
| Net interest margin | 8.3422% | 35 |
| Noninterest income to average assets | 104.1803% | 14 |
| Noninterest expense to average assets | 46.0236% | 28 |
| Loan and lease loss provision to assets | 6.2951% | 53 |
| Net operating income to assets | 36.4028% | 6 |
| Return on assets (ROA) | 36.4028% | 7 |
| Pretax return on assets | 58.1595% | 7 |
| Return on Equity (ROE) | 64.3491% | 9 |
| Retained earnings to average equity (ytd only) | 7.9182% | 870 |
| Net charge-offs to loans | 5.4511% | 81 |
| Credit loss provision to net charge-offs | 168.0120% | 3,062 |
| Earnings coverage of net charge-offs (x) | 17.2025% | 1,790 |
| Efficiency ratio | 41.6585% | 8,079 |
| Assets per employee ($millions) | 0.3281% | 8,269 |
| Cash dividends to net income (ytd only)* | 87.6950% | 1,387 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3165% | 46 |
| Loan loss allowance to noncurrent loans | 451.2915% | 936 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 4,256 |
| Noncurrent loans to loans | 1.3997% | 3,716 |
| Net loans and leases to total assets | 68.7327% | 4,313 |
| Net loans and leases to deposits | 415.4163% | 18 |
| Net loans and leases to core deposits | 493.7087% | 24 |
| Total domestic deposits to total assets | 16.5455% | 8,246 |
| Equity capital to assets | 58.1726% | 63 |
| Core capital (leverage) ratio | 58.1726% | 66 |
| Tier 1 risk-based capital ratio | 70.7927% | 117 |
| Total risk-based capital ratio | 72.0970% | 115 |
| Memoranda: | ||
| Average total assets | $178,552,000 | 3,425 |
| Average earning assets | $134,797,200 | 3,956 |
| Average equity | $101,008,400 | 660 |
| Average total loans | $122,728,200 | 3,406 |