Home > Sumitomo Mitsui Trust Bank (U.S.A.) Limited > Performance and Condition Ratios
Sumitomo Mitsui Trust Bank (U.S.A.) Limited, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3560% | 3,350 |
| Cost of funding earning assets | 1.8123% | 1,231 |
| Net interest margin | 2.5437% | 4,047 |
| Noninterest income to average assets | 2.6800% | 202 |
| Noninterest expense to average assets | 2.8940% | 1,285 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 1.7781% | 632 |
| Return on assets (ROA) | 1.7781% | 608 |
| Pretax return on assets | 2.2635% | 453 |
| Return on Equity (ROE) | 13.2200% | 1,673 |
| Retained earnings to average equity (ytd only) | 13.2173% | 477 |
| 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 | 56.1125% | 3,486 |
| Assets per employee ($millions) | 13.3994% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0100% | 4,474 |
| Net loans and leases to deposits | 0.0073% | 4,473 |
| Net loans and leases to core deposits | 0.0073% | 4,492 |
| Total domestic deposits to total assets | 84.5900% | 2,439 |
| Equity capital to assets | 14.2710% | 635 |
| Core capital (leverage) ratio | 14.6451% | 681 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 34.5785% | 194 |
| Memoranda: | ||
| Average total assets | $3,181,637,200 | 376 |
| Average earning assets | $3,099,255,800 | 352 |
| Average equity | $428,022,200 | 299 |
| Average total loans | $1,985,200 | 4,470 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 3,528 |
| Cost of funding earning assets | 1.7299% | 1,131 |
| Net interest margin | 2.4356% | 4,197 |
| Noninterest income to average assets | 2.6800% | 218 |
| Noninterest expense to average assets | 2.8887% | 1,248 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 1.7088% | 787 |
| Return on assets (ROA) | 1.7088% | 775 |
| Pretax return on assets | 2.1631% | 586 |
| Return on Equity (ROE) | 12.9000% | 1,919 |
| Retained earnings to average equity (ytd only) | 12.9001% | 832 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 57.1818% | 3,294 |
| Assets per employee ($millions) | 11.9149% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.1400% | 4,497 |
| Net loans and leases to deposits | 0.1628% | 4,497 |
| Net loans and leases to core deposits | 0.1628% | 4,480 |
| Total domestic deposits to total assets | 83.2900% | 2,964 |
| Equity capital to assets | 15.5571% | 486 |
| Core capital (leverage) ratio | 15.1839% | 598 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 33.6034% | 209 |
| Memoranda: | ||
| Average total assets | $3,176,433,250 | 382 |
| Average earning assets | $3,093,662,000 | 357 |
| Average equity | $420,772,250 | 305 |
| Average total loans | $2,432,250 | 4,496 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9934% | 3,701 |
| Cost of funding earning assets | 1.6792% | 913 |
| Net interest margin | 2.3142% | 4,356 |
| Noninterest income to average assets | 2.5700% | 200 |
| Noninterest expense to average assets | 2.7557% | 1,510 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 1.6366% | 893 |
| Return on assets (ROA) | 1.6366% | 897 |
| Pretax return on assets | 2.0716% | 660 |
| Return on Equity (ROE) | 13.0100% | 1,899 |
| Retained earnings to average equity (ytd only) | 13.0065% | 807 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 57.0855% | 3,290 |
| Assets per employee ($millions) | 12.7707% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0200% | 4,531 |
| Net loans and leases to deposits | 0.0182% | 4,531 |
| Net loans and leases to core deposits | 0.0182% | 4,517 |
| Total domestic deposits to total assets | 84.7500% | 2,609 |
| Equity capital to assets | 14.2404% | 615 |
| Core capital (leverage) ratio | 12.7569% | 1,090 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.7051% | 325 |
| Memoranda: | ||
| Average total assets | $3,289,997,667 | 358 |
| Average earning assets | $3,205,165,000 | 340 |
| Average equity | $413,976,333 | 299 |
| Average total loans | $1,961,000 | 4,529 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8071% | 3,846 |
| Cost of funding earning assets | 1.5394% | 782 |
| Net interest margin | 2.2677% | 4,467 |
| Noninterest income to average assets | 2.4400% | 198 |
| Noninterest expense to average assets | 2.6369% | 1,855 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 1.5912% | 1,001 |
| Return on assets (ROA) | 1.5912% | 998 |
| Pretax return on assets | 2.0142% | 761 |
| Return on Equity (ROE) | 13.4200% | 1,900 |
| Retained earnings to average equity (ytd only) | 13.4178% | 1,023 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 56.6946% | 3,330 |
| Assets per employee ($millions) | 15.3158% | 192 |
| 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 | 0.0500% | 4,604 |
| Net loans and leases to deposits | 0.0565% | 4,603 |
| Net loans and leases to core deposits | 0.0565% | 4,586 |
| Total domestic deposits to total assets | 87.1200% | 2,219 |
| Equity capital to assets | 11.8588% | 1,042 |
| Core capital (leverage) ratio | 11.6604% | 1,471 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 25.2060% | 386 |
| Memoranda: | ||
| Average total assets | $3,434,445,000 | 362 |
| Average earning assets | $3,355,594,500 | 338 |
| Average equity | $407,279,500 | 310 |
| Average total loans | $2,710,000 | 4,598 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4920% | 4,657 |
| Cost of funding earning assets | 0.3859% | 2,214 |
| Net interest margin | 1.1061% | 4,671 |
| Noninterest income to average assets | 2.5500% | 199 |
| Noninterest expense to average assets | 2.5640% | 1,928 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 0.8475% | 3,162 |
| Return on assets (ROA) | 0.8475% | 3,094 |
| Pretax return on assets | 1.0686% | 2,865 |
| Return on Equity (ROE) | 7.9500% | 3,405 |
| Retained earnings to average equity (ytd only) | 7.9541% | 1,859 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 70.5837% | 1,612 |
| Assets per employee ($millions) | 14.7462% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.1100% | 4,632 |
| Net loans and leases to deposits | 0.1257% | 4,632 |
| Net loans and leases to core deposits | 0.1257% | 4,615 |
| Total domestic deposits to total assets | 87.1700% | 2,338 |
| Equity capital to assets | 11.8585% | 972 |
| Core capital (leverage) ratio | 11.6422% | 1,434 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.4507% | 273 |
| Memoranda: | ||
| Average total assets | $3,584,266,200 | 334 |
| Average earning assets | $3,520,667,000 | 319 |
| Average equity | $381,917,800 | 321 |
| Average total loans | $4,928,000 | 4,620 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9121% | 4,710 |
| Cost of funding earning assets | 0.0752% | 4,454 |
| Net interest margin | 0.8369% | 4,712 |
| Noninterest income to average assets | 2.5900% | 203 |
| Noninterest expense to average assets | 2.5443% | 1,882 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 0.6831% | 3,610 |
| Return on assets (ROA) | 0.6831% | 3,572 |
| Pretax return on assets | 0.8647% | 3,435 |
| Return on Equity (ROE) | 6.5800% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.5837% | 2,527 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.6348% | 1,216 |
| Assets per employee ($millions) | 15.7287% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.1500% | 4,676 |
| Net loans and leases to deposits | 0.1650% | 4,676 |
| Net loans and leases to core deposits | 0.1650% | 4,659 |
| Total domestic deposits to total assets | 88.0500% | 2,418 |
| Equity capital to assets | 11.1823% | 1,110 |
| Core capital (leverage) ratio | 10.6756% | 1,975 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 28.8385% | 275 |
| Memoranda: | ||
| Average total assets | $3,636,112,000 | 335 |
| Average earning assets | $3,574,331,000 | 316 |
| Average equity | $377,285,000 | 327 |
| Average total loans | $5,234,750 | 4,658 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4044% | 4,764 |
| Cost of funding earning assets | 0.0090% | 4,741 |
| Net interest margin | 0.3954% | 4,760 |
| Noninterest income to average assets | 2.6373% | 172 |
| Noninterest expense to average assets | 2.5133% | 1,889 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 0.4050% | 4,098 |
| Return on assets (ROA) | 0.4050% | 4,048 |
| Pretax return on assets | 0.5126% | 3,972 |
| Return on Equity (ROE) | 4.0008% | 4,035 |
| Retained earnings to average equity (ytd only) | 4.0008% | 3,080 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0580% | 734 |
| Assets per employee ($millions) | 16.0326% | 164 |
| 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 | 0.1199% | 4,738 |
| Net loans and leases to deposits | 0.1351% | 4,739 |
| Net loans and leases to core deposits | 0.1351% | 4,729 |
| Total domestic deposits to total assets | 88.7402% | 2,281 |
| Equity capital to assets | 10.5598% | 1,404 |
| Core capital (leverage) ratio | 9.8833% | 2,532 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.7247% | 381 |
| Memoranda: | ||
| Average total assets | $3,689,471,333 | 328 |
| Average earning assets | $3,626,601,333 | 314 |
| Average equity | $373,479,667 | 333 |
| Average total loans | $5,296,000 | 4,719 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1943% | 4,790 |
| Cost of funding earning assets | 0.0085% | 4,760 |
| Net interest margin | 0.1858% | 4,787 |
| Noninterest income to average assets | 2.6503% | 175 |
| Noninterest expense to average assets | 2.4603% | 1,986 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 0.2945% | 4,155 |
| Return on assets (ROA) | 0.2945% | 4,128 |
| Pretax return on assets | 0.3727% | 4,079 |
| Return on Equity (ROE) | 2.9700% | 4,098 |
| Retained earnings to average equity (ytd only) | 2.9700% | 3,275 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8438% | 686 |
| Assets per employee ($millions) | 16.2480% | 163 |
| 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 | 0.1824% | 4,764 |
| Net loans and leases to deposits | 0.2049% | 4,765 |
| Net loans and leases to core deposits | 0.2049% | 4,755 |
| Total domestic deposits to total assets | 89.0029% | 2,081 |
| Equity capital to assets | 10.2897% | 1,692 |
| Core capital (leverage) ratio | 9.9814% | 2,310 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0360% | 559 |
| Memoranda: | ||
| Average total assets | $3,746,569,500 | 329 |
| Average earning assets | $3,683,426,500 | 317 |
| Average equity | $371,449,000 | 343 |
| Average total loans | $5,801,000 | 4,742 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1791% | 4,825 |
| Cost of funding earning assets | 0.0102% | 4,800 |
| Net interest margin | 0.1689% | 4,822 |
| Noninterest income to average assets | 2.6513% | 215 |
| Noninterest expense to average assets | 2.3875% | 2,527 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 0.3468% | 4,355 |
| Return on assets (ROA) | 0.3468% | 4,379 |
| Pretax return on assets | 0.4293% | 4,359 |
| Return on Equity (ROE) | 3.7047% | 4,261 |
| Retained earnings to average equity (ytd only) | 3.7047% | 3,339 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7589% | 532 |
| Assets per employee ($millions) | 16.9729% | 154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| 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 | 0.0000% | 4,145 |
| Net loans and leases to total assets | 0.1290% | 4,810 |
| Net loans and leases to deposits | 0.1440% | 4,811 |
| Net loans and leases to core deposits | 0.1440% | 4,800 |
| Total domestic deposits to total assets | 89.5920% | 1,180 |
| Equity capital to assets | 9.5630% | 3,087 |
| Core capital (leverage) ratio | 9.1714% | 3,204 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.3159% | 532 |
| Memoranda: | ||
| Average total assets | $3,875,762,600 | 308 |
| Average earning assets | $3,799,229,800 | 294 |
| Average equity | $362,783,400 | 345 |
| Average total loans | $4,216,200 | 4,799 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1608% | 4,905 |
| Cost of funding earning assets | 0.0106% | 4,877 |
| Net interest margin | 0.1503% | 4,901 |
| Noninterest income to average assets | 2.6513% | 229 |
| Noninterest expense to average assets | 2.3765% | 2,512 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 0.3333% | 4,468 |
| Return on assets (ROA) | 0.3333% | 4,497 |
| Pretax return on assets | 0.4219% | 4,466 |
| Return on Equity (ROE) | 3.5803% | 4,376 |
| Retained earnings to average equity (ytd only) | 3.5803% | 3,721 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9226% | 480 |
| Assets per employee ($millions) | 19.6349% | 112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,866 |
| 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 | 0.0000% | 4,237 |
| Net loans and leases to total assets | 0.0341% | 4,884 |
| Net loans and leases to deposits | 0.0375% | 4,884 |
| Net loans and leases to core deposits | 0.0375% | 4,873 |
| Total domestic deposits to total assets | 91.0488% | 355 |
| Equity capital to assets | 8.2919% | 4,357 |
| Core capital (leverage) ratio | 9.2836% | 3,228 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.8270% | 438 |
| Memoranda: | ||
| Average total assets | $3,877,247,250 | 309 |
| Average earning assets | $3,798,229,250 | 296 |
| Average equity | $360,961,750 | 348 |
| Average total loans | $4,021,750 | 4,870 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1445% | 4,945 |
| Cost of funding earning assets | 0.0121% | 4,911 |
| Net interest margin | 0.1324% | 4,943 |
| Noninterest income to average assets | 2.7896% | 211 |
| Noninterest expense to average assets | 2.5779% | 1,918 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 0.2698% | 4,560 |
| Return on assets (ROA) | 0.2698% | 4,577 |
| Pretax return on assets | 0.3416% | 4,548 |
| Return on Equity (ROE) | 2.7775% | 4,512 |
| Retained earnings to average equity (ytd only) | 2.7775% | 3,919 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3003% | 391 |
| Assets per employee ($millions) | 16.4567% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,901 |
| 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 | 0.0000% | 4,280 |
| Net loans and leases to total assets | 0.1458% | 4,920 |
| Net loans and leases to deposits | 0.1629% | 4,921 |
| Net loans and leases to core deposits | 0.1629% | 4,910 |
| Total domestic deposits to total assets | 89.5509% | 1,001 |
| Equity capital to assets | 9.6801% | 3,174 |
| Core capital (leverage) ratio | 8.9468% | 3,523 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.3008% | 465 |
| Memoranda: | ||
| Average total assets | $3,697,047,667 | 318 |
| Average earning assets | $3,627,868,000 | 304 |
| Average equity | $359,174,333 | 346 |
| Average total loans | $4,860,000 | 4,905 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1540% | 4,972 |
| Cost of funding earning assets | 0.0101% | 4,945 |
| Net interest margin | 0.1439% | 4,968 |
| Noninterest income to average assets | 2.7814% | 227 |
| Noninterest expense to average assets | 2.5582% | 1,996 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 0.2878% | 4,537 |
| Return on assets (ROA) | 0.2878% | 4,569 |
| Pretax return on assets | 0.3642% | 4,535 |
| Return on Equity (ROE) | 2.9568% | 4,478 |
| Retained earnings to average equity (ytd only) | 2.9568% | 3,795 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.5363% | 466 |
| Assets per employee ($millions) | 16.5382% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,931 |
| 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 | 0.0000% | 4,341 |
| Net loans and leases to total assets | 0.2287% | 4,946 |
| Net loans and leases to deposits | 0.2545% | 4,947 |
| Net loans and leases to core deposits | 0.2545% | 4,936 |
| Total domestic deposits to total assets | 89.8600% | 888 |
| Equity capital to assets | 9.4452% | 3,248 |
| Core capital (leverage) ratio | 9.4038% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9675% | 516 |
| Memoranda: | ||
| Average total assets | $3,677,737,000 | 318 |
| Average earning assets | $3,606,157,000 | 306 |
| Average equity | $357,952,500 | 346 |
| Average total loans | $4,566,000 | 4,933 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4045% | 4,984 |
| Cost of funding earning assets | 0.1658% | 4,686 |
| Net interest margin | 0.2387% | 4,989 |
| Noninterest income to average assets | 2.6825% | 229 |
| Noninterest expense to average assets | 2.5032% | 2,842 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 0.3498% | 4,346 |
| Return on assets (ROA) | 0.3498% | 4,419 |
| Pretax return on assets | 0.4136% | 4,401 |
| Return on Equity (ROE) | 3.7492% | 4,210 |
| Retained earnings to average equity (ytd only) | 3.7492% | 2,952 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.8198% | 537 |
| Assets per employee ($millions) | 15.3753% | 166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,951 |
| 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 | 0.0000% | 4,420 |
| Net loans and leases to total assets | 0.0122% | 4,973 |
| Net loans and leases to deposits | 0.0137% | 4,973 |
| Net loans and leases to core deposits | 0.0137% | 4,962 |
| Total domestic deposits to total assets | 89.0938% | 947 |
| Equity capital to assets | 10.0411% | 3,095 |
| Core capital (leverage) ratio | 9.8365% | 2,747 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9157% | 511 |
| Memoranda: | ||
| Average total assets | $3,761,061,800 | 298 |
| Average earning assets | $3,692,788,200 | 287 |
| Average equity | $350,906,000 | 329 |
| Average total loans | $2,966,000 | 4,964 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4666% | 5,026 |
| Cost of funding earning assets | 0.2151% | 4,619 |
| Net interest margin | 0.2515% | 5,028 |
| Noninterest income to average assets | 2.6637% | 221 |
| Noninterest expense to average assets | 2.4399% | 3,026 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 0.3385% | 4,379 |
| Return on assets (ROA) | 0.3385% | 4,435 |
| Pretax return on assets | 0.4708% | 4,343 |
| Return on Equity (ROE) | 3.6934% | 4,243 |
| Retained earnings to average equity (ytd only) | 3.6934% | 3,197 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8246% | 618 |
| Assets per employee ($millions) | 16.6427% | 126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,986 |
| 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 | 0.0000% | 4,475 |
| Net loans and leases to total assets | 0.0482% | 5,005 |
| Net loans and leases to deposits | 0.0535% | 5,005 |
| Net loans and leases to core deposits | 0.0535% | 4,994 |
| Total domestic deposits to total assets | 90.0618% | 405 |
| Equity capital to assets | 9.2260% | 3,927 |
| Core capital (leverage) ratio | 8.7771% | 3,979 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.9032% | 335 |
| Memoranda: | ||
| Average total assets | $3,813,405,750 | 294 |
| Average earning assets | $3,745,809,750 | 278 |
| Average equity | $349,475,000 | 322 |
| Average total loans | $3,599,500 | 4,994 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6047% | 5,060 |
| Cost of funding earning assets | 0.2913% | 4,512 |
| Net interest margin | 0.3133% | 5,059 |
| Noninterest income to average assets | 2.7689% | 189 |
| Noninterest expense to average assets | 2.5303% | 2,880 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 0.3928% | 4,244 |
| Return on assets (ROA) | 0.3928% | 4,305 |
| Pretax return on assets | 0.5464% | 4,169 |
| Return on Equity (ROE) | 4.2958% | 4,023 |
| Retained earnings to average equity (ytd only) | 4.2958% | 2,784 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2410% | 748 |
| Assets per employee ($millions) | 16.5520% | 128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,020 |
| 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 | 0.0000% | 4,537 |
| Net loans and leases to total assets | 0.1235% | 5,037 |
| Net loans and leases to deposits | 0.1363% | 5,038 |
| Net loans and leases to core deposits | 0.4229% | 5,025 |
| Total domestic deposits to total assets | 29.1959% | 5,035 |
| Equity capital to assets | 8.8716% | 4,193 |
| Core capital (leverage) ratio | 9.0264% | 3,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.9752% | 506 |
| Memoranda: | ||
| Average total assets | $3,808,601,333 | 293 |
| Average earning assets | $3,740,930,000 | 275 |
| Average equity | $348,248,333 | 322 |
| Average total loans | $4,184,333 | 5,023 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0147% | 5,112 |
| Cost of funding earning assets | 0.5287% | 3,800 |
| Net interest margin | 0.4860% | 5,111 |
| Noninterest income to average assets | 2.9487% | 158 |
| Noninterest expense to average assets | 2.4060% | 3,529 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.7331% | 3,156 |
| Return on assets (ROA) | 0.7331% | 3,242 |
| Pretax return on assets | 1.0197% | 2,784 |
| Return on Equity (ROE) | 7.8929% | 2,560 |
| Retained earnings to average equity (ytd only) | 7.8929% | 1,259 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2348% | 2,315 |
| Assets per employee ($millions) | 19.9214% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,068 |
| 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 | 0.0000% | 4,593 |
| Net loans and leases to total assets | 0.1177% | 5,084 |
| Net loans and leases to deposits | 0.1276% | 5,085 |
| Net loans and leases to core deposits | 0.3697% | 5,072 |
| Total domestic deposits to total assets | 31.8275% | 5,082 |
| Equity capital to assets | 7.3578% | 5,046 |
| Core capital (leverage) ratio | 9.7897% | 3,659 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 26.4977% | 374 |
| Memoranda: | ||
| Average total assets | $3,734,939,500 | 290 |
| Average earning assets | $3,666,203,500 | 270 |
| Average equity | $346,895,500 | 321 |
| Average total loans | $3,834,500 | 5,072 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7832% | 5,150 |
| Cost of funding earning assets | 0.9468% | 1,975 |
| Net interest margin | 0.8364% | 5,163 |
| Noninterest income to average assets | 3.5955% | 123 |
| Noninterest expense to average assets | 3.1604% | 1,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.9068% | 3,181 |
| Return on assets (ROA) | 0.9068% | 3,273 |
| Pretax return on assets | 1.2530% | 2,659 |
| Return on Equity (ROE) | 7.9784% | 3,167 |
| Retained earnings to average equity (ytd only) | 7.9784% | 985 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6091% | 1,927 |
| Assets per employee ($millions) | 11.0558% | 289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,123 |
| 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 | 0.0000% | 4,619 |
| Net loans and leases to total assets | 0.0763% | 5,148 |
| Net loans and leases to deposits | 0.0883% | 5,148 |
| Net loans and leases to core deposits | 0.2684% | 5,136 |
| Total domestic deposits to total assets | 28.4192% | 5,148 |
| Equity capital to assets | 12.6805% | 1,717 |
| Core capital (leverage) ratio | 11.1804% | 2,355 |
| Tier 1 risk-based capital ratio | 26.9512% | 618 |
| Total risk-based capital ratio | 26.9512% | 684 |
| Memoranda: | ||
| Average total assets | $2,907,006,400 | 318 |
| Average earning assets | $2,842,770,800 | 305 |
| Average equity | $330,404,400 | 320 |
| Average total loans | $5,993,200 | 5,118 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8251% | 5,234 |
| Cost of funding earning assets | 0.9541% | 1,976 |
| Net interest margin | 0.8710% | 5,243 |
| Noninterest income to average assets | 3.4726% | 126 |
| Noninterest expense to average assets | 3.0158% | 1,932 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9409% | 3,201 |
| Return on assets (ROA) | 0.9409% | 3,270 |
| Pretax return on assets | 1.3089% | 2,635 |
| Return on Equity (ROE) | 8.5039% | 3,109 |
| Retained earnings to average equity (ytd only) | 8.5039% | 1,202 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7348% | 2,156 |
| Assets per employee ($millions) | 11.9626% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,205 |
| 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 | 0.0000% | 4,706 |
| Net loans and leases to total assets | 0.4178% | 5,223 |
| Net loans and leases to deposits | 0.4761% | 5,224 |
| Net loans and leases to core deposits | 1.6022% | 5,213 |
| Total domestic deposits to total assets | 26.0790% | 5,228 |
| Equity capital to assets | 11.5790% | 2,606 |
| Core capital (leverage) ratio | 11.7843% | 2,008 |
| Tier 1 risk-based capital ratio | 23.9900% | 842 |
| Total risk-based capital ratio | 23.9900% | 957 |
| Memoranda: | ||
| Average total assets | $2,956,590,750 | 321 |
| Average earning assets | $2,892,510,500 | 307 |
| Average equity | $327,137,250 | 325 |
| Average total loans | $6,975,000 | 5,186 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8424% | 5,285 |
| Cost of funding earning assets | 0.9710% | 1,826 |
| Net interest margin | 0.8714% | 5,290 |
| Noninterest income to average assets | 3.4553% | 131 |
| Noninterest expense to average assets | 3.1441% | 1,627 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.8349% | 3,524 |
| Return on assets (ROA) | 0.8349% | 3,584 |
| Pretax return on assets | 1.1646% | 3,027 |
| Return on Equity (ROE) | 7.6625% | 3,432 |
| Retained earnings to average equity (ytd only) | 7.6625% | 1,535 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9700% | 1,779 |
| Assets per employee ($millions) | 12.1549% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,251 |
| 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 | 0.0000% | 4,745 |
| Net loans and leases to total assets | 0.0850% | 5,273 |
| Net loans and leases to deposits | 0.0966% | 5,273 |
| Net loans and leases to core deposits | 0.2795% | 5,262 |
| Total domestic deposits to total assets | 30.4063% | 5,272 |
| Equity capital to assets | 11.3425% | 2,748 |
| Core capital (leverage) ratio | 11.9518% | 1,856 |
| Tier 1 risk-based capital ratio | 24.0465% | 841 |
| Total risk-based capital ratio | 24.0465% | 940 |
| Memoranda: | ||
| Average total assets | $2,969,160,670 | 323 |
| Average earning assets | $2,907,814,670 | 305 |
| Average equity | $323,524,000 | 329 |
| Average total loans | $5,234,670 | 5,248 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8064% | 5,355 |
| Cost of funding earning assets | 0.9401% | 1,834 |
| Net interest margin | 0.8663% | 5,353 |
| Noninterest income to average assets | 3.4162% | 122 |
| Noninterest expense to average assets | 2.9945% | 2,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.9131% | 3,184 |
| Return on assets (ROA) | 0.9131% | 3,225 |
| Pretax return on assets | 1.2701% | 2,569 |
| Return on Equity (ROE) | 8.5495% | 3,015 |
| Retained earnings to average equity (ytd only) | 8.5495% | 1,468 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2169% | 2,303 |
| Assets per employee ($millions) | 13.8444% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,315 |
| 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 | 0.0000% | 4,814 |
| Net loans and leases to total assets | 0.0902% | 5,333 |
| Net loans and leases to deposits | 0.1004% | 5,333 |
| Net loans and leases to core deposits | 0.3378% | 5,322 |
| Total domestic deposits to total assets | 26.7022% | 5,332 |
| Equity capital to assets | 9.6695% | 4,115 |
| Core capital (leverage) ratio | 11.8645% | 1,857 |
| Tier 1 risk-based capital ratio | 24.5051% | 799 |
| Total risk-based capital ratio | 24.5051% | 888 |
| Memoranda: | ||
| Average total assets | $3,001,225,000 | 323 |
| Average earning assets | $2,939,274,000 | 306 |
| Average equity | $320,534,000 | 332 |
| Average total loans | $6,617,500 | 5,296 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.5998% | 5,385 |
| Cost of funding earning assets | 0.8623% | 1,254 |
| Net interest margin | 0.7375% | 5,396 |
| Noninterest income to average assets | 3.4054% | 132 |
| Noninterest expense to average assets | 2.9133% | 2,309 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 0.8752% | 3,518 |
| Return on assets (ROA) | 0.8752% | 3,512 |
| Pretax return on assets | 1.2142% | 2,833 |
| Return on Equity (ROE) | 8.7637% | 3,116 |
| Retained earnings to average equity (ytd only) | 8.7637% | 951 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5825% | 2,095 |
| Assets per employee ($millions) | 11.1433% | 250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,359 |
| 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 | 0.0000% | 4,837 |
| Net loans and leases to total assets | 0.3851% | 5,375 |
| Net loans and leases to deposits | 0.4412% | 5,376 |
| Net loans and leases to core deposits | 1.4120% | 5,365 |
| Total domestic deposits to total assets | 27.2718% | 5,375 |
| Equity capital to assets | 11.9568% | 1,929 |
| Core capital (leverage) ratio | 11.1294% | 2,416 |
| Tier 1 risk-based capital ratio | 24.2914% | 799 |
| Total risk-based capital ratio | 24.2914% | 885 |
| Memoranda: | ||
| Average total assets | $3,038,523,800 | 318 |
| Average earning assets | $2,975,129,400 | 301 |
| Average equity | $303,444,400 | 341 |
| Average total loans | $12,566,600 | 5,241 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4928% | 5,465 |
| Cost of funding earning assets | 0.7866% | 1,397 |
| Net interest margin | 0.7062% | 5,470 |
| Noninterest income to average assets | 3.3065% | 147 |
| Noninterest expense to average assets | 2.7520% | 2,805 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.8956% | 3,552 |
| Return on assets (ROA) | 0.8956% | 3,558 |
| Pretax return on assets | 1.2459% | 2,826 |
| Return on Equity (ROE) | 9.3589% | 2,928 |
| Retained earnings to average equity (ytd only) | 9.3589% | 1,091 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8353% | 2,382 |
| Assets per employee ($millions) | 14.0122% | 121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,431 |
| 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 | 0.0000% | 4,954 |
| Net loans and leases to total assets | 0.6283% | 5,447 |
| Net loans and leases to deposits | 0.6976% | 5,448 |
| Net loans and leases to core deposits | 2.5635% | 5,437 |
| Total domestic deposits to total assets | 24.5108% | 5,451 |
| Equity capital to assets | 9.3822% | 4,199 |
| Core capital (leverage) ratio | 9.2603% | 4,447 |
| Tier 1 risk-based capital ratio | 24.0470% | 839 |
| Total risk-based capital ratio | 24.0470% | 935 |
| Memoranda: | ||
| Average total assets | $3,135,127,000 | 310 |
| Average earning assets | $3,069,606,000 | 294 |
| Average equity | $300,028,500 | 341 |
| Average total loans | $13,155,000 | 5,295 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4386% | 5,530 |
| Cost of funding earning assets | 0.7613% | 1,322 |
| Net interest margin | 0.6773% | 5,533 |
| Noninterest income to average assets | 3.3525% | 144 |
| Noninterest expense to average assets | 2.9258% | 2,273 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.7832% | 3,913 |
| Return on assets (ROA) | 0.7832% | 3,913 |
| Pretax return on assets | 1.0895% | 3,355 |
| Return on Equity (ROE) | 8.1261% | 3,445 |
| Retained earnings to average equity (ytd only) | 8.1261% | 1,570 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8667% | 1,869 |
| Assets per employee ($millions) | 13.3176% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,494 |
| 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 | 0.0000% | 4,980 |
| Net loans and leases to total assets | 0.1071% | 5,512 |
| Net loans and leases to deposits | 0.1199% | 5,513 |
| Net loans and leases to core deposits | 0.3285% | 5,502 |
| Total domestic deposits to total assets | 32.5909% | 5,509 |
| Equity capital to assets | 9.8772% | 3,741 |
| Core capital (leverage) ratio | 8.9921% | 4,697 |
| Tier 1 risk-based capital ratio | 23.1796% | 915 |
| Total risk-based capital ratio | 23.1796% | 1,026 |
| Memoranda: | ||
| Average total assets | $3,073,205,330 | 311 |
| Average earning assets | $3,007,510,670 | 295 |
| Average equity | $296,180,330 | 341 |
| Average total loans | $10,584,670 | 5,402 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2711% | 5,599 |
| Cost of funding earning assets | 0.6976% | 1,460 |
| Net interest margin | 0.5735% | 5,603 |
| Noninterest income to average assets | 3.2968% | 143 |
| Noninterest expense to average assets | 2.9587% | 2,179 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6466% | 4,290 |
| Return on assets (ROA) | 0.6466% | 4,300 |
| Pretax return on assets | 0.8995% | 3,852 |
| Return on Equity (ROE) | 6.7932% | 3,863 |
| Retained earnings to average equity (ytd only) | 6.7932% | 2,368 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6865% | 1,495 |
| Assets per employee ($millions) | 15.6478% | 80 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,559 |
| 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 | 0.0000% | 5,035 |
| Net loans and leases to total assets | 0.8121% | 5,574 |
| Net loans and leases to deposits | 0.8930% | 5,576 |
| Net loans and leases to core deposits | 2.3934% | 5,565 |
| Total domestic deposits to total assets | 33.9317% | 5,570 |
| Equity capital to assets | 8.4679% | 5,000 |
| Core capital (leverage) ratio | 9.6332% | 3,925 |
| Tier 1 risk-based capital ratio | 23.1801% | 924 |
| Total risk-based capital ratio | 23.1801% | 1,037 |
| Memoranda: | ||
| Average total assets | $3,078,286,000 | 309 |
| Average earning assets | $3,013,158,500 | 296 |
| Average equity | $292,998,500 | 344 |
| Average total loans | $14,237,500 | 5,395 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0098% | 5,653 |
| Cost of funding earning assets | 0.5811% | 1,731 |
| Net interest margin | 0.4288% | 5,662 |
| Noninterest income to average assets | 3.4805% | 147 |
| Noninterest expense to average assets | 2.8089% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.6377% | 3,862 |
| Return on assets (ROA) | 0.6377% | 3,897 |
| Pretax return on assets | 1.0922% | 3,221 |
| Return on Equity (ROE) | 6.3401% | 3,610 |
| Retained earnings to average equity (ytd only) | 6.3401% | 1,364 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0024% | 2,226 |
| Assets per employee ($millions) | 12.1232% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,620 |
| 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 | 0.0000% | 5,081 |
| Net loans and leases to total assets | 0.0051% | 5,642 |
| Net loans and leases to deposits | 0.0058% | 5,642 |
| Net loans and leases to core deposits | 0.0202% | 5,631 |
| Total domestic deposits to total assets | 25.2957% | 5,642 |
| Equity capital to assets | 10.8924% | 2,739 |
| Core capital (leverage) ratio | 10.0660% | 3,367 |
| Tier 1 risk-based capital ratio | 24.7551% | 746 |
| Total risk-based capital ratio | 24.7551% | 841 |
| Memoranda: | ||
| Average total assets | $2,796,964,600 | 320 |
| Average earning assets | $2,744,014,200 | 305 |
| Average equity | $281,336,000 | 341 |
| Average total loans | $1,214,400 | 5,641 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9511% | 5,728 |
| Cost of funding earning assets | 0.5522% | 1,876 |
| Net interest margin | 0.3989% | 5,732 |
| Noninterest income to average assets | 3.4162% | 159 |
| Noninterest expense to average assets | 2.7170% | 3,000 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.6452% | 4,211 |
| Return on assets (ROA) | 0.6452% | 4,265 |
| Pretax return on assets | 1.0907% | 3,337 |
| Return on Equity (ROE) | 6.5417% | 3,892 |
| Retained earnings to average equity (ytd only) | 6.5417% | 1,944 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3554% | 2,311 |
| Assets per employee ($millions) | 12.6469% | 155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,687 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 0.0111% | 5,707 |
| Net loans and leases to deposits | 0.0125% | 5,708 |
| Net loans and leases to core deposits | 0.0490% | 5,696 |
| Total domestic deposits to total assets | 22.5880% | 5,712 |
| Equity capital to assets | 10.3867% | 3,493 |
| Core capital (leverage) ratio | 9.0698% | 4,665 |
| Tier 1 risk-based capital ratio | 25.1871% | 729 |
| Total risk-based capital ratio | 25.1871% | 839 |
| Memoranda: | ||
| Average total assets | $2,829,430,250 | 319 |
| Average earning assets | $2,777,043,750 | 303 |
| Average equity | $279,042,250 | 344 |
| Average total loans | $1,484,000 | 5,704 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8420% | 5,779 |
| Cost of funding earning assets | 0.4757% | 2,368 |
| Net interest margin | 0.3663% | 5,784 |
| Noninterest income to average assets | 3.3363% | 170 |
| Noninterest expense to average assets | 2.7360% | 2,966 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5678% | 4,440 |
| Return on assets (ROA) | 0.5678% | 4,491 |
| Pretax return on assets | 0.9599% | 3,726 |
| Return on Equity (ROE) | 5.8575% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.8575% | 2,194 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0276% | 2,014 |
| Assets per employee ($millions) | 13.4095% | 120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 0.1938% | 5,755 |
| Net loans and leases to deposits | 0.2166% | 5,756 |
| Net loans and leases to core deposits | 0.7563% | 5,744 |
| Total domestic deposits to total assets | 25.6247% | 5,758 |
| Equity capital to assets | 9.7842% | 4,137 |
| Core capital (leverage) ratio | 9.4750% | 4,152 |
| Tier 1 risk-based capital ratio | 26.4730% | 642 |
| Total risk-based capital ratio | 26.4730% | 715 |
| Memoranda: | ||
| Average total assets | $2,853,567,330 | 323 |
| Average earning assets | $2,801,691,670 | 301 |
| Average equity | $276,602,330 | 347 |
| Average total loans | $1,877,000 | 5,753 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7238% | 5,850 |
| Cost of funding earning assets | 0.4090% | 2,909 |
| Net interest margin | 0.3148% | 5,852 |
| Noninterest income to average assets | 3.2427% | 185 |
| Noninterest expense to average assets | 2.6728% | 3,245 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5200% | 4,516 |
| Return on assets (ROA) | 0.5200% | 4,549 |
| Pretax return on assets | 0.8791% | 3,836 |
| Return on Equity (ROE) | 5.3898% | 4,200 |
| Retained earnings to average equity (ytd only) | 5.3898% | 2,673 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2493% | 2,029 |
| Assets per employee ($millions) | 14.4290% | 100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 0.0021% | 5,826 |
| Net loans and leases to deposits | 0.0024% | 5,824 |
| Net loans and leases to core deposits | 0.0097% | 5,813 |
| Total domestic deposits to total assets | 22.1125% | 5,828 |
| Equity capital to assets | 9.1208% | 4,689 |
| Core capital (leverage) ratio | 9.5499% | 4,055 |
| Tier 1 risk-based capital ratio | 28.2887% | 540 |
| Total risk-based capital ratio | 28.2887% | 611 |
| Memoranda: | ||
| Average total assets | $2,845,536,000 | 328 |
| Average earning assets | $2,795,118,500 | 305 |
| Average equity | $274,518,000 | 348 |
| Average total loans | $35,000 | 5,826 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5847% | 5,899 |
| Cost of funding earning assets | 0.2846% | 4,213 |
| Net interest margin | 0.3001% | 5,907 |
| Noninterest income to average assets | 3.2913% | 177 |
| Noninterest expense to average assets | 2.8910% | 2,705 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.4140% | 4,896 |
| Return on assets (ROA) | 0.4140% | 4,980 |
| Pretax return on assets | 0.6954% | 4,503 |
| Return on Equity (ROE) | 4.1922% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.1922% | 2,924 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6103% | 1,344 |
| Assets per employee ($millions) | 12.5518% | 146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 0.0002% | 5,883 |
| Net loans and leases to deposits | 0.0002% | 5,882 |
| Net loans and leases to core deposits | 0.0009% | 5,871 |
| Total domestic deposits to total assets | 19.9875% | 5,885 |
| Equity capital to assets | 10.2469% | 3,452 |
| Core capital (leverage) ratio | 8.9650% | 4,779 |
| Tier 1 risk-based capital ratio | 26.3413% | 668 |
| Total risk-based capital ratio | 26.3413% | 748 |
| Memoranda: | ||
| Average total assets | $2,701,244,800 | 325 |
| Average earning assets | $2,656,131,000 | 297 |
| Average equity | $266,779,400 | 344 |
| Average total loans | $994,600 | 5,880 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5757% | 5,967 |
| Cost of funding earning assets | 0.2742% | 4,346 |
| Net interest margin | 0.3015% | 5,976 |
| Noninterest income to average assets | 3.2527% | 186 |
| Noninterest expense to average assets | 2.8417% | 2,861 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4235% | 4,949 |
| Return on assets (ROA) | 0.4235% | 5,039 |
| Pretax return on assets | 0.7076% | 4,592 |
| Return on Equity (ROE) | 4.3275% | 4,786 |
| Retained earnings to average equity (ytd only) | 4.3275% | 3,243 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0626% | 1,434 |
| Assets per employee ($millions) | 13.7664% | 104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 0.0357% | 5,949 |
| Net loans and leases to deposits | 0.0395% | 5,949 |
| Net loans and leases to core deposits | 0.1524% | 5,938 |
| Total domestic deposits to total assets | 23.4385% | 5,952 |
| Equity capital to assets | 8.9997% | 5,178 |
| Core capital (leverage) ratio | 8.7642% | 5,084 |
| Tier 1 risk-based capital ratio | 27.8649% | 591 |
| Total risk-based capital ratio | 27.8649% | 654 |
| Memoranda: | ||
| Average total assets | $2,711,309,250 | 320 |
| Average earning assets | $2,667,218,250 | 296 |
| Average equity | $265,307,250 | 344 |
| Average total loans | $1,242,000 | 5,947 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5811% | 6,047 |
| Cost of funding earning assets | 0.2783% | 4,369 |
| Net interest margin | 0.3028% | 6,052 |
| Noninterest income to average assets | 3.2891% | 181 |
| Noninterest expense to average assets | 3.0193% | 2,278 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3356% | 5,224 |
| Return on assets (ROA) | 0.3356% | 5,306 |
| Pretax return on assets | 0.5675% | 4,979 |
| Return on Equity (ROE) | 3.3279% | 5,151 |
| Retained earnings to average equity (ytd only) | 3.3279% | 3,779 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1785% | 1,031 |
| Assets per employee ($millions) | 12.8747% | 127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,008 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 0.1194% | 6,027 |
| Net loans and leases to deposits | 0.1325% | 6,028 |
| Net loans and leases to core deposits | 0.3709% | 6,016 |
| Total domestic deposits to total assets | 32.1958% | 6,027 |
| Equity capital to assets | 9.4293% | 4,842 |
| Core capital (leverage) ratio | 8.7931% | 5,066 |
| Tier 1 risk-based capital ratio | 18.2350% | 1,866 |
| Total risk-based capital ratio | 18.2350% | 2,189 |
| Memoranda: | ||
| Average total assets | $2,614,717,000 | 329 |
| Average earning assets | $2,570,879,670 | 305 |
| Average equity | $263,713,330 | 344 |
| Average total loans | $1,298,670 | 6,024 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5798% | 6,108 |
| Cost of funding earning assets | 0.2760% | 4,432 |
| Net interest margin | 0.3038% | 6,117 |
| Noninterest income to average assets | 3.3138% | 178 |
| Noninterest expense to average assets | 2.9855% | 2,435 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3708% | 5,080 |
| Return on assets (ROA) | 0.3708% | 5,157 |
| Pretax return on assets | 0.6268% | 4,739 |
| Return on Equity (ROE) | 3.5471% | 5,046 |
| Retained earnings to average equity (ytd only) | 3.5471% | 3,721 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6472% | 1,304 |
| Assets per employee ($millions) | 12.1070% | 152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,073 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 0.0205% | 6,090 |
| Net loans and leases to deposits | 0.0230% | 6,090 |
| Net loans and leases to core deposits | 0.0864% | 6,079 |
| Total domestic deposits to total assets | 23.7300% | 6,095 |
| Equity capital to assets | 10.2297% | 3,819 |
| Core capital (leverage) ratio | 9.4186% | 4,328 |
| Tier 1 risk-based capital ratio | 20.6347% | 1,379 |
| Total risk-based capital ratio | 20.6347% | 1,603 |
| Memoranda: | ||
| Average total assets | $2,512,294,000 | 339 |
| Average earning assets | $2,468,480,000 | 313 |
| Average equity | $262,637,500 | 343 |
| Average total loans | $264,500 | 6,088 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3099% | 6,171 |
| Cost of funding earning assets | 0.1194% | 5,881 |
| Net interest margin | 0.1905% | 6,177 |
| Noninterest income to average assets | 3.4826% | 176 |
| Noninterest expense to average assets | 3.0958% | 2,252 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3358% | 5,255 |
| Return on assets (ROA) | 0.3358% | 5,341 |
| Pretax return on assets | 0.5739% | 4,927 |
| Return on Equity (ROE) | 3.1279% | 5,263 |
| Retained earnings to average equity (ytd only) | 3.1279% | 3,830 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3611% | 1,149 |
| Assets per employee ($millions) | 11.1680% | 189 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 26.3970% | 6,152 |
| Equity capital to assets | 10.6907% | 3,146 |
| Core capital (leverage) ratio | 10.4711% | 2,962 |
| Tier 1 risk-based capital ratio | 19.5411% | 1,578 |
| Total risk-based capital ratio | 19.5411% | 1,845 |
| Memoranda: | ||
| Average total assets | $2,398,154,800 | 337 |
| Average earning assets | $2,356,361,000 | 310 |
| Average equity | $257,487,400 | 339 |
| Average total loans | $113,600 | 6,148 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2941% | 6,260 |
| Cost of funding earning assets | 0.1096% | 6,019 |
| Net interest margin | 0.1845% | 6,265 |
| Noninterest income to average assets | 3.4984% | 180 |
| Noninterest expense to average assets | 3.0685% | 2,308 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3677% | 5,269 |
| Return on assets (ROA) | 0.3677% | 5,347 |
| Pretax return on assets | 0.6112% | 4,948 |
| Return on Equity (ROE) | 3.4210% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.4210% | 4,039 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3910% | 1,229 |
| Assets per employee ($millions) | 11.4721% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 0.0196% | 6,234 |
| Net loans and leases to deposits | 0.0221% | 6,234 |
| Net loans and leases to core deposits | 0.0623% | 6,222 |
| Total domestic deposits to total assets | 31.5485% | 6,235 |
| Equity capital to assets | 10.6400% | 3,427 |
| Core capital (leverage) ratio | 11.4279% | 2,099 |
| Tier 1 risk-based capital ratio | 18.2962% | 1,958 |
| Total risk-based capital ratio | 18.2962% | 2,306 |
| Memoranda: | ||
| Average total assets | $2,386,245,750 | 341 |
| Average earning assets | $2,345,053,250 | 314 |
| Average equity | $256,491,500 | 345 |
| Average total loans | $142,000 | 6,234 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3005% | 6,337 |
| Cost of funding earning assets | 0.1130% | 6,075 |
| Net interest margin | 0.1875% | 6,343 |
| Noninterest income to average assets | 3.5729% | 178 |
| Noninterest expense to average assets | 3.1775% | 2,040 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3424% | 5,318 |
| Return on assets (ROA) | 0.3424% | 5,425 |
| Pretax return on assets | 0.5797% | 5,025 |
| Return on Equity (ROE) | 3.1740% | 5,353 |
| Retained earnings to average equity (ytd only) | 3.1740% | 4,033 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5713% | 1,204 |
| Assets per employee ($millions) | 9.9693% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,289 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 0.0042% | 6,312 |
| Net loans and leases to deposits | 0.0048% | 6,312 |
| Net loans and leases to core deposits | 0.0152% | 6,299 |
| Total domestic deposits to total assets | 27.7022% | 6,310 |
| Equity capital to assets | 12.2980% | 1,800 |
| Core capital (leverage) ratio | 11.5241% | 1,974 |
| Tier 1 risk-based capital ratio | 18.8893% | 1,814 |
| Total risk-based capital ratio | 18.8893% | 2,127 |
| Memoranda: | ||
| Average total assets | $2,367,139,330 | 345 |
| Average earning assets | $2,326,415,670 | 312 |
| Average equity | $255,323,330 | 347 |
| Average total loans | $29,330 | 6,313 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2936% | 6,410 |
| Cost of funding earning assets | 0.1188% | 6,122 |
| Net interest margin | 0.1748% | 6,413 |
| Noninterest income to average assets | 3.1611% | 206 |
| Noninterest expense to average assets | 2.8755% | 2,991 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2708% | 5,504 |
| Return on assets (ROA) | 0.2708% | 5,598 |
| Pretax return on assets | 0.4577% | 5,293 |
| Return on Equity (ROE) | 2.6666% | 5,485 |
| Retained earnings to average equity (ytd only) | 2.6666% | 4,350 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2689% | 1,157 |
| Assets per employee ($millions) | 11.3636% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 34.8016% | 6,377 |
| Equity capital to assets | 10.8975% | 3,091 |
| Core capital (leverage) ratio | 10.6132% | 2,837 |
| Tier 1 risk-based capital ratio | 18.0024% | 2,136 |
| Total risk-based capital ratio | 18.0024% | 2,529 |
| Memoranda: | ||
| Average total assets | $2,503,930,500 | 325 |
| Average earning assets | $2,464,552,500 | 299 |
| Average equity | $254,252,500 | 347 |
| Average total loans | NA | NA |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2879% | 6,497 |
| Cost of funding earning assets | 0.1141% | 6,280 |
| Net interest margin | 0.1738% | 6,501 |
| Noninterest income to average assets | 3.7162% | 155 |
| Noninterest expense to average assets | 3.1501% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4382% | 5,077 |
| Return on assets (ROA) | 0.4382% | 5,168 |
| Pretax return on assets | 0.7368% | 4,488 |
| Return on Equity (ROE) | 4.1002% | 5,073 |
| Retained earnings to average equity (ytd only) | 4.1002% | 3,285 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0432% | 1,764 |
| Assets per employee ($millions) | 13.0733% | 113 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,475 |
| Net loans and leases to deposits | 0.0000% | 6,475 |
| Net loans and leases to core deposits | 0.0000% | 6,462 |
| Total domestic deposits to total assets | 37.0294% | 6,465 |
| Equity capital to assets | 9.5016% | 4,721 |
| Core capital (leverage) ratio | 11.1540% | 2,254 |
| Tier 1 risk-based capital ratio | 18.0851% | 2,107 |
| Total risk-based capital ratio | 18.0851% | 2,531 |
| Memoranda: | ||
| Average total assets | $2,325,181,200 | 322 |
| Average earning assets | $2,284,468,200 | 298 |
| Average equity | $248,526,800 | 333 |
| Average total loans | NA | NA |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2849% | 6,578 |
| Cost of funding earning assets | 0.1159% | 6,356 |
| Net interest margin | 0.1690% | 6,583 |
| Noninterest income to average assets | 3.9138% | 151 |
| Noninterest expense to average assets | 3.2575% | 2,001 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4825% | 4,935 |
| Return on assets (ROA) | 0.4825% | 5,014 |
| Pretax return on assets | 0.8222% | 4,277 |
| Return on Equity (ROE) | 4.3696% | 5,015 |
| Retained earnings to average equity (ytd only) | 4.3696% | 3,542 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8462% | 1,942 |
| Assets per employee ($millions) | 12.2672% | 134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 32.0446% | 6,549 |
| Equity capital to assets | 10.2432% | 3,868 |
| Core capital (leverage) ratio | 12.0490% | 1,671 |
| Tier 1 risk-based capital ratio | 17.0246% | 2,609 |
| Total risk-based capital ratio | 17.0246% | 3,112 |
| Memoranda: | ||
| Average total assets | $2,239,737,750 | 331 |
| Average earning assets | $2,199,039,250 | 307 |
| Average equity | $247,307,500 | 332 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1764% | 6,650 |
| Cost of funding earning assets | 0.1144% | 6,434 |
| Net interest margin | 0.0620% | 6,650 |
| Noninterest income to average assets | 4.2844% | 138 |
| Noninterest expense to average assets | 3.4488% | 1,577 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5302% | 4,690 |
| Return on assets (ROA) | 0.5302% | 4,778 |
| Pretax return on assets | 0.8964% | 3,900 |
| Return on Equity (ROE) | 4.6745% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.6745% | 3,167 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3709% | 2,112 |
| Assets per employee ($millions) | 11.2676% | 165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 24.5974% | 6,619 |
| Equity capital to assets | 11.1028% | 2,786 |
| Core capital (leverage) ratio | 11.9463% | 1,692 |
| Tier 1 risk-based capital ratio | 17.0412% | 2,602 |
| Total risk-based capital ratio | 17.0412% | 3,135 |
| Memoranda: | ||
| Average total assets | $2,168,505,000 | 337 |
| Average earning assets | $2,127,512,000 | 313 |
| Average equity | $245,973,000 | 331 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1773% | 6,722 |
| Cost of funding earning assets | 0.1063% | 6,546 |
| Net interest margin | 0.0709% | 6,721 |
| Noninterest income to average assets | 4.1564% | 142 |
| Noninterest expense to average assets | 3.4090% | 1,681 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4832% | 4,772 |
| Return on assets (ROA) | 0.4832% | 4,844 |
| Pretax return on assets | 0.8170% | 4,042 |
| Return on Equity (ROE) | 4.2130% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.2130% | 3,602 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6669% | 2,097 |
| Assets per employee ($millions) | 13.1482% | 111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 22.9928% | 6,692 |
| Equity capital to assets | 9.4886% | 4,515 |
| Core capital (leverage) ratio | 11.4118% | 2,037 |
| Tier 1 risk-based capital ratio | 17.5648% | 2,460 |
| Total risk-based capital ratio | 17.5648% | 2,965 |
| Memoranda: | ||
| Average total assets | $2,131,631,500 | 345 |
| Average earning assets | $2,091,853,000 | 322 |
| Average equity | $244,483,500 | 333 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2049% | 6,801 |
| Cost of funding earning assets | 0.0784% | 6,710 |
| Net interest margin | 0.1265% | 6,802 |
| Noninterest income to average assets | 4.5168% | 151 |
| Noninterest expense to average assets | 3.8160% | 1,109 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.4312% | 5,034 |
| Return on assets (ROA) | 0.4312% | 5,153 |
| Pretax return on assets | 0.8245% | 4,055 |
| Return on Equity (ROE) | 3.4455% | 5,348 |
| Retained earnings to average equity (ytd only) | 3.4455% | 3,782 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.2318% | 1,854 |
| Assets per employee ($millions) | 8.1216% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 31.9737% | 6,768 |
| Equity capital to assets | 14.5359% | 776 |
| Core capital (leverage) ratio | 13.7399% | 893 |
| Tier 1 risk-based capital ratio | 17.4323% | 2,439 |
| Total risk-based capital ratio | 17.4323% | 2,967 |
| Memoranda: | ||
| Average total assets | $1,910,264,600 | 368 |
| Average earning assets | $1,869,066,800 | 342 |
| Average equity | $239,067,400 | 331 |
| Average total loans | $4,400 | 6,780 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2019% | 6,882 |
| Cost of funding earning assets | 0.0767% | 6,804 |
| Net interest margin | 0.1251% | 6,882 |
| Noninterest income to average assets | 4.4021% | 158 |
| Noninterest expense to average assets | 3.7354% | 1,191 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.4330% | 5,100 |
| Return on assets (ROA) | 0.4330% | 5,248 |
| Pretax return on assets | 0.7892% | 4,338 |
| Return on Equity (ROE) | 3.5826% | 5,397 |
| Retained earnings to average equity (ytd only) | 3.5826% | 4,146 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5578% | 1,750 |
| Assets per employee ($millions) | 9.2569% | 290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 0.0008% | 6,854 |
| Net loans and leases to deposits | 0.0010% | 6,853 |
| Net loans and leases to core deposits | 0.0031% | 6,841 |
| Total domestic deposits to total assets | 26.6818% | 6,852 |
| Equity capital to assets | 13.4394% | 1,142 |
| Core capital (leverage) ratio | 12.5973% | 1,367 |
| Tier 1 risk-based capital ratio | 19.8154% | 1,778 |
| Total risk-based capital ratio | 19.8154% | 2,091 |
| Memoranda: | ||
| Average total assets | $1,969,566,250 | 362 |
| Average earning assets | $1,928,342,500 | 330 |
| Average equity | $238,035,750 | 330 |
| Average total loans | $5,500 | 6,859 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1931% | 6,932 |
| Cost of funding earning assets | 0.0745% | 6,861 |
| Net interest margin | 0.1186% | 6,931 |
| Noninterest income to average assets | 4.4037% | 170 |
| Noninterest expense to average assets | 3.7659% | 1,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3973% | 5,227 |
| Return on assets (ROA) | 0.3973% | 5,389 |
| Pretax return on assets | 0.7540% | 4,494 |
| Return on Equity (ROE) | 3.4001% | 5,469 |
| Retained earnings to average equity (ytd only) | 3.4001% | 4,153 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3173% | 1,712 |
| Assets per employee ($millions) | 8.5918% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,904 |
| Net loans and leases to deposits | 0.0000% | 6,904 |
| Net loans and leases to core deposits | 0.0000% | 6,892 |
| Total domestic deposits to total assets | 38.0000% | 6,889 |
| Equity capital to assets | 14.1193% | 931 |
| Core capital (leverage) ratio | 13.7961% | 881 |
| Tier 1 risk-based capital ratio | 20.0587% | 1,705 |
| Total risk-based capital ratio | 20.0587% | 2,008 |
| Memoranda: | ||
| Average total assets | $2,027,477,330 | 354 |
| Average earning assets | $1,986,796,000 | 327 |
| Average equity | $236,931,330 | 331 |
| Average total loans | $2,330 | 6,907 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1852% | 7,010 |
| Cost of funding earning assets | 0.0681% | 6,954 |
| Net interest margin | 0.1171% | 7,010 |
| Noninterest income to average assets | 3.8389% | 194 |
| Noninterest expense to average assets | 3.3667% | 1,909 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3473% | 5,365 |
| Return on assets (ROA) | 0.3473% | 5,509 |
| Pretax return on assets | 0.5872% | 4,994 |
| Return on Equity (ROE) | 3.2318% | 5,474 |
| Retained earnings to average equity (ytd only) | 3.2318% | 4,311 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1493% | 1,628 |
| Assets per employee ($millions) | 10.0890% | 222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 0.0004% | 6,981 |
| Net loans and leases to deposits | 0.0004% | 6,981 |
| Net loans and leases to core deposits | 0.0016% | 6,968 |
| Total domestic deposits to total assets | 21.5652% | 6,983 |
| Equity capital to assets | 12.0395% | 2,010 |
| Core capital (leverage) ratio | 13.0951% | 1,079 |
| Tier 1 risk-based capital ratio | 18.7118% | 2,125 |
| Total risk-based capital ratio | 18.7118% | 2,536 |
| Memoranda: | ||
| Average total assets | $2,194,922,000 | 332 |
| Average earning assets | $2,155,686,000 | 311 |
| Average equity | $235,906,000 | 334 |
| Average total loans | $3,500 | 6,984 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2166% | 7,073 |
| Cost of funding earning assets | 0.0932% | 7,006 |
| Net interest margin | 0.1233% | 7,074 |
| Noninterest income to average assets | 5.0691% | 141 |
| Noninterest expense to average assets | 4.5914% | 525 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.3553% | 5,274 |
| Return on assets (ROA) | 0.3553% | 5,502 |
| Pretax return on assets | 0.5980% | 5,001 |
| Return on Equity (ROE) | 3.2911% | 5,434 |
| Retained earnings to average equity (ytd only) | 3.2911% | 3,912 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4763% | 1,195 |
| Assets per employee ($millions) | 12.4230% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,047 |
| Net loans and leases to deposits | 0.0000% | 7,047 |
| Net loans and leases to core deposits | 0.0000% | 7,034 |
| Total domestic deposits to total assets | 43.1649% | 7,025 |
| Equity capital to assets | 9.6988% | 4,590 |
| Core capital (leverage) ratio | 14.8110% | 602 |
| Tier 1 risk-based capital ratio | 18.0705% | 2,240 |
| Total risk-based capital ratio | 18.0705% | 2,700 |
| Memoranda: | ||
| Average total assets | $1,594,613,600 | 426 |
| Average earning assets | $1,555,262,400 | 397 |
| Average equity | $172,128,800 | 437 |
| Average total loans | NA | NA |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2354% | 7,174 |
| Cost of funding earning assets | 0.1036% | 7,110 |
| Net interest margin | 0.1318% | 7,176 |
| Noninterest income to average assets | 5.8145% | 124 |
| Noninterest expense to average assets | 5.2917% | 306 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3850% | 5,309 |
| Return on assets (ROA) | 0.3850% | 5,520 |
| Pretax return on assets | 0.6509% | 5,010 |
| Return on Equity (ROE) | 3.4154% | 5,524 |
| Retained earnings to average equity (ytd only) | 3.4154% | 4,460 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0473% | 1,110 |
| Assets per employee ($millions) | 8.9591% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,148 |
| Net loans and leases to deposits | 0.0000% | 7,147 |
| Net loans and leases to core deposits | 0.0000% | 7,135 |
| Total domestic deposits to total assets | 16.2994% | 7,151 |
| Equity capital to assets | 13.3535% | 1,411 |
| Core capital (leverage) ratio | 14.4264% | 728 |
| Tier 1 risk-based capital ratio | 18.7614% | 2,087 |
| Total risk-based capital ratio | 18.7614% | 2,503 |
| Memoranda: | ||
| Average total assets | $1,387,646,500 | 483 |
| Average earning assets | $1,348,749,250 | 450 |
| Average equity | $156,423,000 | 475 |
| Average total loans | NA | NA |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2322% | 7,238 |
| Cost of funding earning assets | 0.1095% | 7,170 |
| Net interest margin | 0.1227% | 7,240 |
| Noninterest income to average assets | 6.6432% | 104 |
| Noninterest expense to average assets | 5.9061% | 224 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5064% | 4,789 |
| Return on assets (ROA) | 0.5064% | 5,050 |
| Pretax return on assets | 0.8561% | 4,251 |
| Return on Equity (ROE) | 4.9082% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.9082% | 3,328 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3399% | 1,307 |
| Assets per employee ($millions) | 7.4285% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,209 |
| Net loans and leases to deposits | 0.0000% | 7,209 |
| Net loans and leases to core deposits | 0.0000% | 7,197 |
| Total domestic deposits to total assets | 28.6707% | 7,207 |
| Equity capital to assets | 9.1461% | 5,530 |
| Core capital (leverage) ratio | 9.2095% | 4,597 |
| Tier 1 risk-based capital ratio | 52.9578% | 122 |
| Total risk-based capital ratio | 52.9578% | 126 |
| Memoranda: | ||
| Average total assets | $1,267,852,000 | 529 |
| Average earning assets | $1,229,055,000 | 495 |
| Average equity | $130,800,670 | 551 |
| Average total loans | NA | NA |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2444% | 7,299 |
| Cost of funding earning assets | 0.1136% | 7,236 |
| Net interest margin | 0.1308% | 7,301 |
| Noninterest income to average assets | 7.0978% | 100 |
| Noninterest expense to average assets | 6.4187% | 175 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4705% | 4,959 |
| Return on assets (ROA) | 0.4705% | 5,149 |
| Pretax return on assets | 0.8058% | 4,398 |
| Return on Equity (ROE) | 4.2629% | 5,156 |
| Retained earnings to average equity (ytd only) | 4.2629% | 4,030 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8466% | 1,195 |
| Assets per employee ($millions) | 5.8834% | 1,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,271 |
| Net loans and leases to deposits | 0.0000% | 7,271 |
| Net loans and leases to core deposits | 0.0000% | 7,258 |
| Total domestic deposits to total assets | 33.7431% | 7,265 |
| Equity capital to assets | 11.6271% | 2,325 |
| Core capital (leverage) ratio | 9.7207% | 3,744 |
| Tier 1 risk-based capital ratio | 62.8385% | 88 |
| Total risk-based capital ratio | 62.8385% | 90 |
| Memoranda: | ||
| Average total assets | $1,177,498,500 | 566 |
| Average earning assets | $1,140,832,000 | 523 |
| Average equity | $129,957,500 | 550 |
| Average total loans | NA | NA |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1936% | 7,351 |
| Cost of funding earning assets | 0.1102% | 7,300 |
| Net interest margin | 0.0834% | 7,354 |
| Noninterest income to average assets | 6.7423% | 91 |
| Noninterest expense to average assets | 5.2757% | 304 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.9356% | 2,464 |
| Return on assets (ROA) | 0.9356% | 2,585 |
| Pretax return on assets | 1.5477% | 1,347 |
| Return on Equity (ROE) | 9.9836% | 2,066 |
| Retained earnings to average equity (ytd only) | 9.9836% | 572 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3177% | 2,693 |
| Assets per employee ($millions) | 6.4465% | 985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,320 |
| Net loans and leases to deposits | 0.0000% | 7,320 |
| Net loans and leases to core deposits | 0.0000% | 7,305 |
| Total domestic deposits to total assets | 18.5382% | 7,324 |
| Equity capital to assets | 10.4980% | 3,538 |
| Core capital (leverage) ratio | 9.4893% | 4,039 |
| Tier 1 risk-based capital ratio | 63.0116% | 85 |
| Total risk-based capital ratio | 63.0116% | 86 |
| Memoranda: | ||
| Average total assets | $1,315,878,000 | 495 |
| Average earning assets | $1,279,690,600 | 467 |
| Average equity | $123,322,000 | 560 |
| Average total loans | $32,600 | 7,322 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1883% | 7,430 |
| Cost of funding earning assets | 0.1091% | 7,381 |
| Net interest margin | 0.0791% | 7,431 |
| Noninterest income to average assets | 6.7806% | 95 |
| Noninterest expense to average assets | 5.2474% | 300 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.9544% | 2,511 |
| Return on assets (ROA) | 0.9544% | 2,676 |
| Pretax return on assets | 1.6102% | 1,357 |
| Return on Equity (ROE) | 10.4738% | 2,044 |
| Retained earnings to average equity (ytd only) | 10.4738% | 733 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5196% | 2,763 |
| Assets per employee ($millions) | 8.2158% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,371 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 0.0108% | 7,399 |
| Net loans and leases to deposits | 0.0119% | 7,398 |
| Net loans and leases to core deposits | 0.0654% | 7,383 |
| Total domestic deposits to total assets | 16.4855% | 7,401 |
| Equity capital to assets | 8.3690% | 6,423 |
| Core capital (leverage) ratio | 8.2057% | 6,128 |
| Tier 1 risk-based capital ratio | 59.3613% | 114 |
| Total risk-based capital ratio | 59.3613% | 116 |
| Memoranda: | ||
| Average total assets | $1,337,028,250 | 496 |
| Average earning assets | $1,300,968,500 | 466 |
| Average equity | $121,837,750 | 574 |
| Average total loans | $40,750 | 7,401 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1943% | 7,503 |
| Cost of funding earning assets | 0.1088% | 7,455 |
| Net interest margin | 0.0855% | 7,506 |
| Noninterest income to average assets | 7.2959% | 91 |
| Noninterest expense to average assets | 5.4843% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1170% | 1,822 |
| Return on assets (ROA) | 1.1170% | 1,906 |
| Pretax return on assets | 1.8946% | 718 |
| Return on Equity (ROE) | 11.8757% | 1,531 |
| Retained earnings to average equity (ytd only) | 11.8757% | 530 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3244% | 3,303 |
| Assets per employee ($millions) | 7.5829% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,475 |
| Net loans and leases to deposits | 0.0000% | 7,474 |
| Net loans and leases to core deposits | 0.0000% | 7,460 |
| Total domestic deposits to total assets | 20.3617% | 7,470 |
| Equity capital to assets | 8.6578% | 5,996 |
| Core capital (leverage) ratio | 7.9711% | 6,337 |
| Tier 1 risk-based capital ratio | 56.6298% | 122 |
| Total risk-based capital ratio | 56.6298% | 123 |
| Memoranda: | ||
| Average total assets | $1,278,804,670 | 517 |
| Average earning assets | $1,242,670,000 | 493 |
| Average equity | $120,279,000 | 582 |
| Average total loans | NA | NA |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.1989% | 7,567 |
| Cost of funding earning assets | 0.1080% | 7,522 |
| Net interest margin | 0.0909% | 7,569 |
| Noninterest income to average assets | 7.4726% | 94 |
| Noninterest expense to average assets | 5.9157% | 204 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.9630% | 2,303 |
| Return on assets (ROA) | 0.9630% | 2,371 |
| Pretax return on assets | 1.6451% | 1,091 |
| Return on Equity (ROE) | 9.7755% | 2,178 |
| Retained earnings to average equity (ytd only) | 9.7755% | 1,164 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2415% | 2,808 |
| Assets per employee ($millions) | 6.0441% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,537 |
| Net loans and leases to deposits | 0.0000% | 7,537 |
| Net loans and leases to core deposits | 0.0000% | 7,521 |
| Total domestic deposits to total assets | 20.9353% | 7,530 |
| Equity capital to assets | 10.4345% | 3,252 |
| Core capital (leverage) ratio | 8.2690% | 5,868 |
| Tier 1 risk-based capital ratio | 80.7750% | 69 |
| Total risk-based capital ratio | 80.7750% | 70 |
| Memoranda: | ||
| Average total assets | $1,201,624,500 | 556 |
| Average earning assets | $1,166,367,500 | 520 |
| Average equity | $118,378,000 | 585 |
| Average total loans | NA | NA |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2106% | 7,641 |
| Cost of funding earning assets | 0.1142% | 7,581 |
| Net interest margin | 0.0963% | 7,642 |
| Noninterest income to average assets | 6.8461% | 96 |
| Noninterest expense to average assets | 5.9140% | 241 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.5708% | 3,801 |
| Return on assets (ROA) | 0.5708% | 3,959 |
| Pretax return on assets | 1.0238% | 2,853 |
| Return on Equity (ROE) | 5.6616% | 3,752 |
| Retained earnings to average equity (ytd only) | -1.4156% | 5,876 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.2425% | 1,774 |
| Assets per employee ($millions) | 6.5700% | 917 |
| Cash dividends to net income (ytd only)* | 125.0038% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,616 |
| Net loans and leases to deposits | 0.0000% | 7,616 |
| Net loans and leases to core deposits | 0.0000% | 7,598 |
| Total domestic deposits to total assets | 22.3944% | 7,604 |
| Equity capital to assets | 9.3180% | 4,666 |
| Core capital (leverage) ratio | 9.0403% | 4,471 |
| Tier 1 risk-based capital ratio | 75.2804% | 68 |
| Total risk-based capital ratio | 75.2804% | 70 |
| Memoranda: | ||
| Average total assets | $1,143,431,200 | 580 |
| Average earning assets | $1,088,917,600 | 553 |
| Average equity | $115,285,400 | 587 |
| Average total loans | NA | NA |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2021% | 7,752 |
| Cost of funding earning assets | 0.1166% | 7,700 |
| Net interest margin | 0.0855% | 7,752 |
| Noninterest income to average assets | 6.8842% | 98 |
| Noninterest expense to average assets | 5.9889% | 222 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.5374% | 4,149 |
| Return on assets (ROA) | 0.5374% | 4,318 |
| Pretax return on assets | 0.9762% | 3,269 |
| Return on Equity (ROE) | 5.2183% | 4,188 |
| Retained earnings to average equity (ytd only) | -4.2515% | 6,487 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9842% | 1,634 |
| Assets per employee ($millions) | 6.4390% | 1,001 |
| Cash dividends to net income (ytd only)* | 181.4722% | 100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,720 |
| Net loans and leases to deposits | 0.0000% | 7,720 |
| Net loans and leases to core deposits | 0.0000% | 7,701 |
| Total domestic deposits to total assets | 13.6431% | 7,726 |
| Equity capital to assets | 9.3912% | 5,000 |
| Core capital (leverage) ratio | 9.3944% | 4,062 |
| Tier 1 risk-based capital ratio | 90.0791% | 63 |
| Total risk-based capital ratio | 90.0791% | 63 |
| Memoranda: | ||
| Average total assets | $1,115,570,500 | 589 |
| Average earning assets | $1,056,216,500 | 566 |
| Average equity | $114,874,500 | 581 |
| Average total loans | NA | NA |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2022% | 7,822 |
| Cost of funding earning assets | 0.1245% | 7,771 |
| Net interest margin | 0.0777% | 7,821 |
| Noninterest income to average assets | 7.2846% | 97 |
| Noninterest expense to average assets | 6.2390% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.6658% | 3,555 |
| Return on assets (ROA) | 0.6658% | 3,700 |
| Pretax return on assets | 1.1184% | 2,720 |
| Return on Equity (ROE) | 6.2576% | 3,671 |
| Retained earnings to average equity (ytd only) | -7.9482% | 6,812 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7996% | 1,835 |
| Assets per employee ($millions) | 5.9424% | 1,269 |
| Cash dividends to net income (ytd only)* | 227.0173% | 93 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,788 |
| Net loans and leases to deposits | 0.0000% | 7,788 |
| Net loans and leases to core deposits | 0.0000% | 7,770 |
| Total domestic deposits to total assets | 14.8366% | 7,788 |
| Equity capital to assets | 10.1487% | 3,834 |
| Core capital (leverage) ratio | 9.9865% | 3,178 |
| Tier 1 risk-based capital ratio | 83.9972% | 65 |
| Total risk-based capital ratio | 83.9972% | 65 |
| Memoranda: | ||
| Average total assets | $1,079,623,670 | 611 |
| Average earning assets | $1,011,705,330 | 584 |
| Average equity | $114,868,330 | 578 |
| Average total loans | NA | NA |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.2209% | 7,924 |
| Cost of funding earning assets | 0.1285% | 7,873 |
| Net interest margin | 0.0924% | 7,921 |
| Noninterest income to average assets | 7.2527% | 94 |
| Noninterest expense to average assets | 6.1917% | 203 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.6617% | 3,609 |
| Return on assets (ROA) | 0.6617% | 3,720 |
| Pretax return on assets | 1.1461% | 2,569 |
| Return on Equity (ROE) | 6.0705% | 3,846 |
| Retained earnings to average equity (ytd only) | -22.2320% | 7,421 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3811% | 1,986 |
| Assets per employee ($millions) | 4.8285% | 2,465 |
| Cash dividends to net income (ytd only)* | 466.2286% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,889 |
| Net loans and leases to deposits | 0.0000% | 7,889 |
| Net loans and leases to core deposits | 0.0000% | 7,870 |
| Total domestic deposits to total assets | 13.9100% | 7,894 |
| Equity capital to assets | 12.4855% | 1,766 |
| Core capital (leverage) ratio | 9.5871% | 3,659 |
| Tier 1 risk-based capital ratio | 104.5104% | 49 |
| Total risk-based capital ratio | 104.5104% | 49 |
| Memoranda: | ||
| Average total assets | $1,057,874,000 | 643 |
| Average earning assets | $974,121,000 | 626 |
| Average equity | $115,311,500 | 580 |
| Average total loans | NA | NA |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3109% | 7,993 |
| Cost of funding earning assets | 0.0594% | 7,976 |
| Net interest margin | 0.2515% | 7,985 |
| Noninterest income to average assets | 9.2875% | 76 |
| Noninterest expense to average assets | 7.7666% | 159 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.1281% | 1,443 |
| Return on assets (ROA) | 1.1282% | 1,476 |
| Pretax return on assets | 1.7437% | 707 |
| Return on Equity (ROE) | 7.6254% | 2,530 |
| Retained earnings to average equity (ytd only) | -11.0297% | 6,600 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6675% | 2,649 |
| Assets per employee ($millions) | 6.4769% | 1,000 |
| Cash dividends to net income (ytd only)* | 244.6454% | 142 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 7,964 |
| Net loans and leases to deposits | 0.0000% | 7,964 |
| Net loans and leases to core deposits | 0.0000% | 7,957 |
| Total domestic deposits to total assets | 22.3229% | 7,958 |
| Equity capital to assets | 9.7311% | 4,104 |
| Core capital (leverage) ratio | 11.4722% | 1,933 |
| Tier 1 risk-based capital ratio | 92.7775% | 60 |
| Total risk-based capital ratio | 92.7775% | 60 |
| Memoranda: | ||
| Average total assets | $803,647,400 | 852 |
| Average earning assets | $710,819,200 | 878 |
| Average equity | $118,905,800 | 555 |
| Average total loans | $75,800 | 7,964 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3705% | 8,080 |
| Cost of funding earning assets | 0.0337% | 8,070 |
| Net interest margin | 0.3368% | 8,065 |
| Noninterest income to average assets | 10.7070% | 68 |
| Noninterest expense to average assets | 8.6380% | 131 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.4975% | 817 |
| Return on assets (ROA) | 1.4977% | 875 |
| Pretax return on assets | 2.3667% | 250 |
| Return on Equity (ROE) | 8.8114% | 2,335 |
| Retained earnings to average equity (ytd only) | -16.0398% | 7,188 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4965% | 3,084 |
| Assets per employee ($millions) | 5.5694% | 1,547 |
| Cash dividends to net income (ytd only)* | 282.0344% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 8,022 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 0.0364% | 8,048 |
| Net loans and leases to deposits | 0.0415% | 8,048 |
| Net loans and leases to core deposits | 0.2141% | 8,038 |
| Total domestic deposits to total assets | 16.9967% | 8,052 |
| Equity capital to assets | 11.2625% | 2,781 |
| Core capital (leverage) ratio | 15.8668% | 698 |
| Tier 1 risk-based capital ratio | 67.5733% | 100 |
| Total risk-based capital ratio | 67.5733% | 100 |
| Memoranda: | ||
| Average total assets | $700,146,500 | 990 |
| Average earning assets | $617,875,250 | 1,025 |
| Average equity | $119,009,500 | 564 |
| Average total loans | $94,750 | 8,047 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5036% | 8,170 |
| Cost of funding earning assets | 0.0331% | 8,167 |
| Net interest margin | 0.4705% | 8,143 |
| Noninterest income to average assets | 13.1180% | 56 |
| Noninterest expense to average assets | 10.4896% | 106 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.7814% | 488 |
| Return on assets (ROA) | 1.7818% | 527 |
| Pretax return on assets | 3.0220% | 97 |
| Return on Equity (ROE) | 8.7372% | 2,453 |
| Retained earnings to average equity (ytd only) | -28.3624% | 7,661 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6381% | 3,401 |
| Assets per employee ($millions) | 2.9148% | 6,342 |
| Cash dividends to net income (ytd only)* | 424.6172% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,143 |
| Net loans and leases to deposits | 0.0000% | 8,143 |
| Net loans and leases to core deposits | 0.0000% | 8,133 |
| Total domestic deposits to total assets | 7.8861% | 8,164 |
| Equity capital to assets | 21.2602% | 316 |
| Core capital (leverage) ratio | 19.6144% | 381 |
| Tier 1 risk-based capital ratio | 155.9336% | 47 |
| Total risk-based capital ratio | 155.9336% | 47 |
| Memoranda: | ||
| Average total assets | $586,371,000 | 1,211 |
| Average earning assets | $489,670,330 | 1,323 |
| Average equity | $119,580,670 | 571 |
| Average total loans | NA | NA |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5103% | 8,228 |
| Cost of funding earning assets | 0.0414% | 8,217 |
| Net interest margin | 0.4689% | 8,201 |
| Noninterest income to average assets | 12.6918% | 57 |
| Noninterest expense to average assets | 9.5525% | 124 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 2.0643% | 312 |
| Return on assets (ROA) | 2.0651% | 353 |
| Pretax return on assets | 3.5125% | 80 |
| Return on Equity (ROE) | 10.3204% | 2,189 |
| Retained earnings to average equity (ytd only) | -62.3782% | 8,078 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1225% | 3,985 |
| Assets per employee ($millions) | 3.3719% | 5,149 |
| Cash dividends to net income (ytd only)* | 704.4141% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,196 |
| Net loans and leases to deposits | 0.0000% | 8,196 |
| Net loans and leases to core deposits | 0.0000% | 8,185 |
| Total domestic deposits to total assets | 10.9149% | 8,206 |
| Equity capital to assets | 18.0416% | 601 |
| Core capital (leverage) ratio | 16.8154% | 677 |
| Tier 1 risk-based capital ratio | 89.2659% | 74 |
| Total risk-based capital ratio | 89.2659% | 74 |
| Memoranda: | ||
| Average total assets | $609,935,500 | 1,171 |
| Average earning assets | $483,671,500 | 1,340 |
| Average equity | $122,049,000 | 561 |
| Average total loans | NA | NA |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3071% | 8,205 |
| Cost of funding earning assets | 1.6913% | 7,276 |
| Net interest margin | 0.6158% | 8,253 |
| Noninterest income to average assets | 14.0860% | 61 |
| Noninterest expense to average assets | 8.4102% | 201 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 3.6669% | 45 |
| Return on assets (ROA) | 3.6669% | 46 |
| Pretax return on assets | 6.2313% | 39 |
| Return on Equity (ROE) | 22.7376% | 227 |
| Retained earnings to average equity (ytd only) | 6.6686% | 1,271 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4410% | 6,791 |
| Assets per employee ($millions) | 3.2395% | 5,362 |
| Cash dividends to net income (ytd only)* | 70.6714% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 8,249 |
| Net loans and leases to deposits | 0.0000% | 8,249 |
| Net loans and leases to core deposits | 0.0000% | 8,238 |
| Total domestic deposits to total assets | 10.6915% | 8,263 |
| Equity capital to assets | 22.0703% | 349 |
| Core capital (leverage) ratio | 17.8688% | 617 |
| Tier 1 risk-based capital ratio | 104.5301% | 78 |
| Total risk-based capital ratio | 104.5301% | 78 |
| Memoranda: | ||
| Average total assets | $756,328,000 | 890 |
| Average earning assets | $682,361,400 | 896 |
| Average equity | $121,974,000 | 556 |
| Average total loans | NA | NA |