Home > The Philadelphia Trust Company > Performance and Condition Ratios
The Philadelphia Trust Company, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3388% | 3,376 |
| Cost of funding earning assets | 1.1656% | 2,893 |
| Net interest margin | 3.1731% | 2,935 |
| Noninterest income to average assets | 39.3000% | 61 |
| Noninterest expense to average assets | 29.8135% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 8.7142% | 47 |
| Return on assets (ROA) | 8.6607% | 47 |
| Pretax return on assets | 11.7013% | 47 |
| Return on Equity (ROE) | 12.5100% | 1,838 |
| Retained earnings to average equity (ytd only) | -2.3770% | 4,294 |
| 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 | 71.6973% | 1,689 |
| Assets per employee ($millions) | 1.3094% | 4,475 |
| Cash dividends to net income (ytd only)* | 118.9941% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2310% | 268 |
| 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 | 23.0500% | 4,380 |
| Net loans and leases to deposits | 110.6496% | 187 |
| Net loans and leases to core deposits | 110.6496% | 934 |
| Total domestic deposits to total assets | 20.8400% | 4,499 |
| Equity capital to assets | 68.9351% | 115 |
| Core capital (leverage) ratio | 67.9948% | 69 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $23,647,000 | 4,508 |
| Average earning assets | $16,986,400 | 4,489 |
| Average equity | $16,365,000 | 3,152 |
| Average total loans | $5,901,600 | 4,453 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0942% | 3,675 |
| Cost of funding earning assets | 1.0704% | 2,829 |
| Net interest margin | 3.0237% | 3,299 |
| Noninterest income to average assets | 38.7300% | 59 |
| Noninterest expense to average assets | 29.7125% | 61 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 8.3436% | 47 |
| Return on assets (ROA) | 8.3436% | 47 |
| Pretax return on assets | 11.1999% | 47 |
| Return on Equity (ROE) | 12.0400% | 2,117 |
| Retained earnings to average equity (ytd only) | 2.1389% | 3,707 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 72.6246% | 1,498 |
| Assets per employee ($millions) | 1.2692% | 4,503 |
| Cash dividends to net income (ytd only)* | 82.2417% | 436 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1384% | 111 |
| 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 | 15.8700% | 4,455 |
| Net loans and leases to deposits | 81.2354% | 1,962 |
| Net loans and leases to core deposits | 81.2354% | 2,515 |
| Total domestic deposits to total assets | 19.5400% | 4,532 |
| Equity capital to assets | 69.9357% | 119 |
| Core capital (leverage) ratio | 71.0061% | 71 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $23,666,250 | 4,535 |
| Average earning assets | $17,064,500 | 4,516 |
| Average equity | $16,394,250 | 3,136 |
| Average total loans | $5,987,500 | 4,477 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0540% | 3,578 |
| Cost of funding earning assets | 0.9580% | 2,742 |
| Net interest margin | 3.0960% | 3,235 |
| Noninterest income to average assets | 39.4000% | 58 |
| Noninterest expense to average assets | 30.5145% | 58 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 8.3005% | 46 |
| Return on assets (ROA) | 8.3005% | 46 |
| Pretax return on assets | 11.1410% | 47 |
| Return on Equity (ROE) | 12.0200% | 2,152 |
| Retained earnings to average equity (ytd only) | -2.9808% | 4,343 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 73.2544% | 1,433 |
| Assets per employee ($millions) | 1.2487% | 4,536 |
| Cash dividends to net income (ytd only)* | 124.7951% | 175 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 664 |
| 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 | 29.1500% | 4,345 |
| Net loans and leases to deposits | 142.3338% | 25 |
| Net loans and leases to core deposits | 142.3338% | 195 |
| Total domestic deposits to total assets | 20.4800% | 4,557 |
| Equity capital to assets | 68.9273% | 115 |
| Core capital (leverage) ratio | 70.7863% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $23,516,667 | 4,561 |
| Average earning assets | $17,119,000 | 4,545 |
| Average equity | $16,237,333 | 3,169 |
| Average total loans | $6,666,333 | 4,500 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6956% | 4,027 |
| Cost of funding earning assets | 0.8003% | 2,736 |
| Net interest margin | 2.8953% | 3,802 |
| Noninterest income to average assets | 36.7300% | 60 |
| Noninterest expense to average assets | 30.0523% | 60 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 6.5948% | 58 |
| Return on assets (ROA) | 6.5948% | 58 |
| Pretax return on assets | 8.7816% | 54 |
| Return on Equity (ROE) | 9.5400% | 2,916 |
| Retained earnings to average equity (ytd only) | -20.5692% | 4,597 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 77.3867% | 1,059 |
| Assets per employee ($millions) | 1.2107% | 4,605 |
| Cash dividends to net income (ytd only)* | 315.5440% | 50 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0412% | 405 |
| 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 | 25.8700% | 4,455 |
| Net loans and leases to deposits | 121.2510% | 75 |
| Net loans and leases to core deposits | 121.2510% | 409 |
| Total domestic deposits to total assets | 21.3400% | 4,606 |
| Equity capital to assets | 68.5606% | 66 |
| Core capital (leverage) ratio | 67.4948% | 66 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $23,412,500 | 4,619 |
| Average earning assets | $16,993,000 | 4,613 |
| Average equity | $16,179,500 | 3,201 |
| Average total loans | $6,479,500 | 4,570 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5080% | 4,505 |
| Cost of funding earning assets | 0.3224% | 2,704 |
| Net interest margin | 2.1856% | 4,485 |
| Noninterest income to average assets | 37.8900% | 59 |
| Noninterest expense to average assets | 29.8289% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 7.1177% | 53 |
| Return on assets (ROA) | 7.1177% | 51 |
| Pretax return on assets | 9.5203% | 49 |
| Return on Equity (ROE) | 10.2200% | 2,742 |
| Retained earnings to average equity (ytd only) | -1.0558% | 4,452 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 75.8056% | 1,032 |
| Assets per employee ($millions) | 1.1703% | 4,640 |
| Cash dividends to net income (ytd only)* | 110.3261% | 149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8013% | 660 |
| 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 | 30.4000% | 4,384 |
| Net loans and leases to deposits | 134.9840% | 32 |
| Net loans and leases to core deposits | 134.9840% | 186 |
| Total domestic deposits to total assets | 22.5200% | 4,635 |
| Equity capital to assets | 73.8970% | 68 |
| Core capital (leverage) ratio | 72.8061% | 62 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,055 |
| Memoranda: | ||
| Average total assets | $23,266,000 | 4,655 |
| Average earning assets | $15,510,600 | 4,651 |
| Average equity | $16,196,600 | 3,257 |
| Average total loans | $6,413,600 | 4,607 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1580% | 4,573 |
| Cost of funding earning assets | 0.2497% | 2,712 |
| Net interest margin | 1.9083% | 4,579 |
| Noninterest income to average assets | 38.0500% | 56 |
| Noninterest expense to average assets | 29.4050% | 57 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 7.3853% | 55 |
| Return on assets (ROA) | 7.3853% | 53 |
| Pretax return on assets | 9.8621% | 50 |
| Return on Equity (ROE) | 10.7700% | 2,477 |
| Retained earnings to average equity (ytd only) | -4.3292% | 4,586 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 74.8845% | 1,188 |
| Assets per employee ($millions) | 1.2895% | 4,670 |
| Cash dividends to net income (ytd only)* | 140.2149% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0816% | 428 |
| 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 | 25.1300% | 4,524 |
| Net loans and leases to deposits | 92.4699% | 743 |
| Net loans and leases to core deposits | 92.4699% | 1,163 |
| Total domestic deposits to total assets | 27.1800% | 4,676 |
| Equity capital to assets | 69.2473% | 72 |
| Core capital (leverage) ratio | 70.2871% | 70 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $23,523,750 | 4,690 |
| Average earning assets | $14,951,500 | 4,690 |
| Average equity | $16,138,000 | 3,300 |
| Average total loans | $6,296,000 | 4,643 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9871% | 4,627 |
| Cost of funding earning assets | 0.2208% | 2,640 |
| Net interest margin | 1.7663% | 4,637 |
| Noninterest income to average assets | 39.9357% | 24 |
| Noninterest expense to average assets | 30.0914% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 8.2275% | 26 |
| Return on assets (ROA) | 8.2275% | 23 |
| Pretax return on assets | 10.9277% | 22 |
| Return on Equity (ROE) | 12.0300% | 1,663 |
| Retained earnings to average equity (ytd only) | -10.5819% | 4,670 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3595% | 1,582 |
| Assets per employee ($millions) | 1.2166% | 4,728 |
| Cash dividends to net income (ytd only)* | 187.9630% | 88 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0153% | 535 |
| 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 | 26.0826% | 4,558 |
| Net loans and leases to deposits | 94.8254% | 483 |
| Net loans and leases to core deposits | 94.8254% | 877 |
| Total domestic deposits to total assets | 27.5059% | 4,744 |
| Equity capital to assets | 68.2154% | 33 |
| Core capital (leverage) ratio | 68.1742% | 34 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,628,000 | 4,724 |
| Average earning assets | $14,493,333 | 4,743 |
| Average equity | $16,159,667 | 3,395 |
| Average total loans | $6,409,000 | 4,708 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0035% | 4,618 |
| Cost of funding earning assets | 0.2323% | 2,360 |
| Net interest margin | 1.7712% | 4,626 |
| Noninterest income to average assets | 43.4089% | 22 |
| Noninterest expense to average assets | 29.5254% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 11.1704% | 21 |
| Return on assets (ROA) | 11.1704% | 20 |
| Pretax return on assets | 14.9051% | 20 |
| Return on Equity (ROE) | 16.3126% | 504 |
| Retained earnings to average equity (ytd only) | -13.4756% | 4,622 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4531% | 2,710 |
| Assets per employee ($millions) | 1.3118% | 4,751 |
| Cash dividends to net income (ytd only)* | 182.6087% | 242 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8856% | 760 |
| 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 | 27.3239% | 4,526 |
| Net loans and leases to deposits | 103.5136% | 121 |
| Net loans and leases to core deposits | 103.5136% | 413 |
| Total domestic deposits to total assets | 26.3965% | 4,772 |
| Equity capital to assets | 68.0981% | 29 |
| Core capital (leverage) ratio | 68.4226% | 26 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,884,500 | 4,747 |
| Average earning assets | $13,776,000 | 4,771 |
| Average equity | $16,355,500 | 3,443 |
| Average total loans | $6,537,000 | 4,732 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2320% | 4,616 |
| Cost of funding earning assets | 0.2054% | 3,413 |
| Net interest margin | 2.0266% | 4,585 |
| Noninterest income to average assets | 42.2597% | 28 |
| Noninterest expense to average assets | 32.3022% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 8.3274% | 25 |
| Return on assets (ROA) | 8.3274% | 24 |
| Pretax return on assets | 11.2651% | 24 |
| Return on Equity (ROE) | 12.3111% | 1,708 |
| Retained earnings to average equity (ytd only) | 12.3111% | 498 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1432% | 1,284 |
| Assets per employee ($millions) | 1.3419% | 4,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9083% | 715 |
| 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 | 26.3879% | 4,619 |
| Net loans and leases to deposits | 98.3187% | 240 |
| Net loans and leases to core deposits | 98.3187% | 597 |
| Total domestic deposits to total assets | 26.8392% | 4,818 |
| Equity capital to assets | 67.1041% | 25 |
| Core capital (leverage) ratio | 67.6164% | 19 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,636,200 | 4,789 |
| Average earning assets | $14,605,800 | 4,810 |
| Average equity | $15,311,400 | 3,604 |
| Average total loans | $7,409,400 | 4,765 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2053% | 4,713 |
| Cost of funding earning assets | 0.1964% | 3,640 |
| Net interest margin | 2.0089% | 4,673 |
| Noninterest income to average assets | 42.8628% | 26 |
| Noninterest expense to average assets | 31.7502% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 9.3334% | 23 |
| Return on assets (ROA) | 9.3334% | 23 |
| Pretax return on assets | 12.4605% | 22 |
| Return on Equity (ROE) | 13.7687% | 1,460 |
| Retained earnings to average equity (ytd only) | 13.7687% | 533 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8157% | 1,421 |
| Assets per employee ($millions) | 1.2494% | 4,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7000% | 1,106 |
| 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 | 30.2035% | 4,584 |
| Net loans and leases to deposits | 111.4566% | 83 |
| Net loans and leases to core deposits | 111.4566% | 297 |
| Total domestic deposits to total assets | 27.0989% | 4,893 |
| Equity capital to assets | 66.9026% | 29 |
| Core capital (leverage) ratio | 69.4538% | 27 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,256,500 | 4,864 |
| Average earning assets | $14,933,250 | 4,882 |
| Average equity | $15,087,000 | 3,669 |
| Average total loans | $7,637,250 | 4,830 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1165% | 4,783 |
| Cost of funding earning assets | 0.1840% | 3,913 |
| Net interest margin | 1.9325% | 4,740 |
| Noninterest income to average assets | 43.1112% | 25 |
| Noninterest expense to average assets | 31.7613% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 9.5118% | 21 |
| Return on assets (ROA) | 9.5118% | 21 |
| Pretax return on assets | 12.7008% | 21 |
| Return on Equity (ROE) | 13.9657% | 1,422 |
| Retained earnings to average equity (ytd only) | 13.9657% | 549 |
| Net charge-offs to loans | 0.0000% | 2,245 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4345% | 1,484 |
| Assets per employee ($millions) | 1.1964% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 2,158 |
| 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 | 39.5935% | 4,301 |
| Net loans and leases to deposits | 152.3358% | 15 |
| Net loans and leases to core deposits | 152.3358% | 64 |
| Total domestic deposits to total assets | 25.9909% | 4,923 |
| Equity capital to assets | 67.5685% | 29 |
| Core capital (leverage) ratio | 70.8408% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,762,333 | 4,904 |
| Average earning assets | $15,213,667 | 4,917 |
| Average equity | $14,822,000 | 3,701 |
| Average total loans | $7,751,667 | 4,866 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0188% | 4,833 |
| Cost of funding earning assets | 0.1884% | 4,021 |
| Net interest margin | 1.8304% | 4,801 |
| Noninterest income to average assets | 40.9437% | 25 |
| Noninterest expense to average assets | 30.8864% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 8.6286% | 28 |
| Return on assets (ROA) | 8.6286% | 27 |
| Pretax return on assets | 11.3357% | 25 |
| Return on Equity (ROE) | 12.6155% | 1,781 |
| Retained earnings to average equity (ytd only) | 12.6155% | 996 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1523% | 1,391 |
| Assets per employee ($millions) | 1.1349% | 4,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7391% | 965 |
| 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 | 32.4908% | 4,614 |
| Net loans and leases to deposits | 128.9527% | 40 |
| Net loans and leases to core deposits | 128.9527% | 150 |
| Total domestic deposits to total assets | 25.1959% | 4,952 |
| Equity capital to assets | 68.5573% | 26 |
| Core capital (leverage) ratio | 70.6476% | 24 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $21,278,000 | 4,934 |
| Average earning assets | $14,860,000 | 4,946 |
| Average equity | $14,553,500 | 3,740 |
| Average total loans | $7,065,500 | 4,903 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1440% | 4,903 |
| Cost of funding earning assets | 0.4312% | 3,399 |
| Net interest margin | 1.7128% | 4,895 |
| Noninterest income to average assets | 32.8014% | 30 |
| Noninterest expense to average assets | 27.7316% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 4.6853% | 45 |
| Return on assets (ROA) | 4.6853% | 45 |
| Pretax return on assets | 6.3340% | 38 |
| Return on Equity (ROE) | 6.7874% | 3,286 |
| Retained earnings to average equity (ytd only) | -12.7167% | 4,935 |
| Net charge-offs to loans | 0.0000% | 3,443 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.4065% | 786 |
| Assets per employee ($millions) | 1.3102% | 4,956 |
| Cash dividends to net income (ytd only)* | 287.3585% | 31 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 905 |
| 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 | 32.8054% | 4,685 |
| Net loans and leases to deposits | 127.1635% | 50 |
| Net loans and leases to core deposits | 127.1635% | 224 |
| Total domestic deposits to total assets | 25.7978% | 4,975 |
| Equity capital to assets | 67.7384% | 25 |
| Core capital (leverage) ratio | 64.9202% | 24 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $22,624,000 | 4,937 |
| Average earning assets | $16,698,000 | 4,955 |
| Average equity | $15,617,200 | 3,596 |
| Average total loans | $6,930,200 | 4,935 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2359% | 4,941 |
| Cost of funding earning assets | 0.5046% | 3,191 |
| Net interest margin | 1.7313% | 4,940 |
| Noninterest income to average assets | 30.6947% | 31 |
| Noninterest expense to average assets | 27.1877% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 3.6111% | 64 |
| Return on assets (ROA) | 3.6111% | 67 |
| Pretax return on assets | 4.7975% | 56 |
| Return on Equity (ROE) | 5.2091% | 3,827 |
| Retained earnings to average equity (ytd only) | -2.4209% | 4,733 |
| Net charge-offs to loans | 0.0000% | 3,243 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0009% | 558 |
| Assets per employee ($millions) | 1.4238% | 4,985 |
| Cash dividends to net income (ytd only)* | 146.4744% | 98 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6154% | 1,056 |
| 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 | 33.1504% | 4,765 |
| Net loans and leases to deposits | 138.3657% | 39 |
| Net loans and leases to core deposits | 138.3657% | 175 |
| Total domestic deposits to total assets | 23.9586% | 5,008 |
| Equity capital to assets | 69.7774% | 26 |
| Core capital (leverage) ratio | 71.4523% | 23 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,039,250 | 4,966 |
| Average earning assets | $17,173,750 | 4,980 |
| Average equity | $15,971,500 | 3,556 |
| Average total loans | $6,912,500 | 4,969 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3303% | 4,991 |
| Cost of funding earning assets | 0.5826% | 3,066 |
| Net interest margin | 1.7477% | 4,992 |
| Noninterest income to average assets | 29.7596% | 31 |
| Noninterest expense to average assets | 27.9607% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 2.3438% | 175 |
| Return on assets (ROA) | 2.3438% | 195 |
| Pretax return on assets | 3.0962% | 106 |
| Return on Equity (ROE) | 3.3882% | 4,262 |
| Retained earnings to average equity (ytd only) | -8.0392% | 4,880 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.0306% | 387 |
| Assets per employee ($millions) | 1.4117% | 5,016 |
| Cash dividends to net income (ytd only)* | 337.2694% | 40 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7348% | 761 |
| 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 | 31.0975% | 4,836 |
| Net loans and leases to deposits | 126.3764% | 60 |
| Net loans and leases to core deposits | 126.3764% | 307 |
| Total domestic deposits to total assets | 24.6071% | 5,041 |
| Equity capital to assets | 68.8316% | 26 |
| Core capital (leverage) ratio | 68.8017% | 25 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,125,333 | 4,991 |
| Average earning assets | $17,165,000 | 5,011 |
| Average equity | $15,996,667 | 3,551 |
| Average total loans | $6,658,000 | 5,003 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4345% | 5,055 |
| Cost of funding earning assets | 0.6431% | 3,201 |
| Net interest margin | 1.7914% | 5,049 |
| Noninterest income to average assets | 27.9724% | 29 |
| Noninterest expense to average assets | 28.0066% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 1.0259% | 2,089 |
| Return on assets (ROA) | 1.0259% | 2,187 |
| Pretax return on assets | 1.2995% | 1,873 |
| Return on Equity (ROE) | 1.4795% | 4,550 |
| Retained earnings to average equity (ytd only) | 1.4795% | 3,608 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.5659% | 338 |
| Assets per employee ($millions) | 1.2283% | 5,066 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7179% | 847 |
| 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 | 30.3981% | 4,902 |
| Net loans and leases to deposits | 127.6358% | 46 |
| Net loans and leases to core deposits | 127.6358% | 307 |
| Total domestic deposits to total assets | 23.8163% | 5,085 |
| Equity capital to assets | 69.6576% | 31 |
| Core capital (leverage) ratio | 70.5244% | 29 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $23,394,500 | 5,030 |
| Average earning assets | $17,416,500 | 5,054 |
| Average equity | $16,221,500 | 3,541 |
| Average total loans | $6,413,000 | 5,050 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4098% | 5,125 |
| Cost of funding earning assets | 0.7447% | 2,947 |
| Net interest margin | 1.6651% | 5,127 |
| Noninterest income to average assets | 35.9234% | 28 |
| Noninterest expense to average assets | 28.8919% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 6.1742% | 28 |
| Return on assets (ROA) | 6.1742% | 31 |
| Pretax return on assets | 8.2855% | 30 |
| Return on Equity (ROE) | 8.8259% | 2,833 |
| Retained earnings to average equity (ytd only) | 8.8259% | 755 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7137% | 1,179 |
| Assets per employee ($millions) | 1.1685% | 5,128 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2111% | 326 |
| 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 | 23.4660% | 5,040 |
| Net loans and leases to deposits | 96.9076% | 850 |
| Net loans and leases to core deposits | 96.9076% | 1,822 |
| Total domestic deposits to total assets | 24.2148% | 5,150 |
| Equity capital to assets | 68.5708% | 32 |
| Core capital (leverage) ratio | 71.8179% | 30 |
| Tier 1 risk-based capital ratio | 142.7019% | 32 |
| Total risk-based capital ratio | 143.8062% | 32 |
| Memoranda: | ||
| Average total assets | $21,930,000 | 5,103 |
| Average earning assets | $16,515,800 | 5,125 |
| Average equity | $15,341,200 | 3,606 |
| Average total loans | $5,716,200 | 5,120 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4714% | 5,213 |
| Cost of funding earning assets | 0.7504% | 2,966 |
| Net interest margin | 1.7210% | 5,208 |
| Noninterest income to average assets | 35.9873% | 28 |
| Noninterest expense to average assets | 29.0396% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 6.1195% | 27 |
| Return on assets (ROA) | 6.1195% | 28 |
| Pretax return on assets | 8.2520% | 27 |
| Return on Equity (ROE) | 8.7010% | 3,007 |
| Retained earnings to average equity (ytd only) | 8.7010% | 1,133 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8717% | 1,118 |
| Assets per employee ($millions) | 1.1653% | 5,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1796% | 342 |
| 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 | 25.1355% | 5,118 |
| Net loans and leases to deposits | 98.8104% | 737 |
| Net loans and leases to core deposits | 98.8104% | 1,760 |
| Total domestic deposits to total assets | 25.4381% | 5,229 |
| Equity capital to assets | 70.7227% | 30 |
| Core capital (leverage) ratio | 72.7628% | 31 |
| Tier 1 risk-based capital ratio | 159.1140% | 31 |
| Total risk-based capital ratio | 160.3637% | 31 |
| Memoranda: | ||
| Average total assets | $21,570,000 | 5,183 |
| Average earning assets | $16,346,750 | 5,204 |
| Average equity | $15,170,250 | 3,656 |
| Average total loans | $5,743,250 | 5,198 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4577% | 5,273 |
| Cost of funding earning assets | 0.7127% | 3,096 |
| Net interest margin | 1.7449% | 5,263 |
| Noninterest income to average assets | 36.2956% | 27 |
| Noninterest expense to average assets | 28.1291% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 7.1375% | 26 |
| Return on assets (ROA) | 7.1375% | 28 |
| Pretax return on assets | 9.4949% | 28 |
| Return on Equity (ROE) | 10.1681% | 2,309 |
| Retained earnings to average equity (ytd only) | 10.1681% | 708 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7638% | 1,545 |
| Assets per employee ($millions) | 1.1475% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1576% | 353 |
| 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 | 25.7912% | 5,155 |
| Net loans and leases to deposits | 99.8225% | 695 |
| Net loans and leases to core deposits | 99.8225% | 1,739 |
| Total domestic deposits to total assets | 25.8371% | 5,277 |
| Equity capital to assets | 70.7687% | 29 |
| Core capital (leverage) ratio | 73.2150% | 30 |
| Tier 1 risk-based capital ratio | 158.3359% | 30 |
| Total risk-based capital ratio | 159.5876% | 30 |
| Memoranda: | ||
| Average total assets | $21,380,000 | 5,230 |
| Average earning assets | $16,275,670 | 5,252 |
| Average equity | $15,007,670 | 3,678 |
| Average total loans | $5,761,330 | 5,246 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4546% | 5,338 |
| Cost of funding earning assets | 0.6694% | 3,207 |
| Net interest margin | 1.7852% | 5,332 |
| Noninterest income to average assets | 36.1520% | 24 |
| Noninterest expense to average assets | 27.8427% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 7.2683% | 28 |
| Return on assets (ROA) | 7.2683% | 30 |
| Pretax return on assets | 9.6721% | 28 |
| Return on Equity (ROE) | 10.4107% | 2,191 |
| Retained earnings to average equity (ytd only) | 10.4107% | 943 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2180% | 1,731 |
| Assets per employee ($millions) | 1.1240% | 5,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1690% | 372 |
| 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 | 26.1894% | 5,206 |
| Net loans and leases to deposits | 98.4337% | 743 |
| Net loans and leases to core deposits | 98.4337% | 1,747 |
| Total domestic deposits to total assets | 26.6061% | 5,333 |
| Equity capital to assets | 70.0131% | 29 |
| Core capital (leverage) ratio | 72.3035% | 27 |
| Tier 1 risk-based capital ratio | 156.8913% | 30 |
| Total risk-based capital ratio | 158.1386% | 30 |
| Memoranda: | ||
| Average total assets | $21,133,000 | 5,284 |
| Average earning assets | $16,133,000 | 5,309 |
| Average equity | $14,754,000 | 3,715 |
| Average total loans | $5,768,500 | 5,306 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3981% | 5,350 |
| Cost of funding earning assets | 0.5162% | 3,250 |
| Net interest margin | 1.8819% | 5,345 |
| Noninterest income to average assets | 37.2754% | 25 |
| Noninterest expense to average assets | 29.4434% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 6.9112% | 26 |
| Return on assets (ROA) | 6.9112% | 26 |
| Pretax return on assets | 9.2133% | 26 |
| Return on Equity (ROE) | 10.0485% | 2,497 |
| Retained earnings to average equity (ytd only) | 5.6972% | 2,363 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1663% | 1,338 |
| Assets per employee ($millions) | 1.1005% | 5,358 |
| Cash dividends to net income (ytd only)* | 43.3033% | 2,338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1306% | 380 |
| 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 | 27.2406% | 5,241 |
| Net loans and leases to deposits | 100.2111% | 728 |
| Net loans and leases to core deposits | 100.2111% | 1,704 |
| Total domestic deposits to total assets | 27.1832% | 5,376 |
| Equity capital to assets | 69.6126% | 30 |
| Core capital (leverage) ratio | 67.8326% | 30 |
| Tier 1 risk-based capital ratio | 155.2811% | 32 |
| Total risk-based capital ratio | 156.5268% | 32 |
| Memoranda: | ||
| Average total assets | $20,850,200 | 5,333 |
| Average earning assets | $15,303,600 | 5,357 |
| Average equity | $14,340,400 | 3,710 |
| Average total loans | $6,108,600 | 5,346 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3805% | 5,421 |
| Cost of funding earning assets | 0.4568% | 3,484 |
| Net interest margin | 1.9237% | 5,414 |
| Noninterest income to average assets | 38.0307% | 24 |
| Noninterest expense to average assets | 29.4237% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 7.5895% | 24 |
| Return on assets (ROA) | 7.5895% | 24 |
| Pretax return on assets | 10.0084% | 24 |
| Return on Equity (ROE) | 11.0684% | 2,150 |
| Retained earnings to average equity (ytd only) | 5.2449% | 3,091 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6186% | 1,510 |
| Assets per employee ($millions) | 1.1693% | 5,428 |
| Cash dividends to net income (ytd only)* | 52.6140% | 1,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2044% | 361 |
| 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 | 24.7614% | 5,341 |
| Net loans and leases to deposits | 77.5991% | 3,273 |
| Net loans and leases to core deposits | 77.5991% | 3,688 |
| Total domestic deposits to total assets | 31.9094% | 5,446 |
| Equity capital to assets | 65.2998% | 32 |
| Core capital (leverage) ratio | 71.7406% | 30 |
| Tier 1 risk-based capital ratio | 148.4138% | 32 |
| Total risk-based capital ratio | 149.6685% | 31 |
| Memoranda: | ||
| Average total assets | $20,835,250 | 5,404 |
| Average earning assets | $15,178,500 | 5,428 |
| Average equity | $14,286,500 | 3,743 |
| Average total loans | $6,180,750 | 5,415 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4437% | 5,478 |
| Cost of funding earning assets | 0.4117% | 3,636 |
| Net interest margin | 2.0320% | 5,468 |
| Noninterest income to average assets | 38.3804% | 25 |
| Noninterest expense to average assets | 30.6552% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 7.0577% | 26 |
| Return on assets (ROA) | 7.0577% | 26 |
| Pretax return on assets | 9.2270% | 24 |
| Return on Equity (ROE) | 10.1175% | 2,513 |
| Retained earnings to average equity (ytd only) | 1.3368% | 4,679 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8644% | 1,333 |
| Assets per employee ($millions) | 1.0250% | 5,496 |
| Cash dividends to net income (ytd only)* | 86.7872% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2298% | 354 |
| 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 | 26.5220% | 5,378 |
| Net loans and leases to deposits | 95.2022% | 1,228 |
| Net loans and leases to core deposits | 95.2022% | 2,135 |
| Total domestic deposits to total assets | 27.8585% | 5,510 |
| Equity capital to assets | 69.0244% | 33 |
| Core capital (leverage) ratio | 72.7557% | 31 |
| Tier 1 risk-based capital ratio | 148.6903% | 34 |
| Total risk-based capital ratio | 149.9371% | 34 |
| Memoranda: | ||
| Average total assets | $20,375,000 | 5,473 |
| Average earning assets | $15,059,330 | 5,493 |
| Average equity | $14,213,000 | 3,772 |
| Average total loans | $6,366,000 | 5,475 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4600% | 5,542 |
| Cost of funding earning assets | 0.3743% | 3,784 |
| Net interest margin | 2.0856% | 5,528 |
| Noninterest income to average assets | 38.3015% | 25 |
| Noninterest expense to average assets | 30.6609% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 7.1680% | 26 |
| Return on assets (ROA) | 7.1680% | 26 |
| Pretax return on assets | 9.1766% | 24 |
| Return on Equity (ROE) | 10.2215% | 2,326 |
| Retained earnings to average equity (ytd only) | 10.2215% | 1,096 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9649% | 1,467 |
| Assets per employee ($millions) | 1.0748% | 5,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8406% | 721 |
| 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 | 32.3833% | 5,314 |
| Net loans and leases to deposits | 121.0950% | 104 |
| Net loans and leases to core deposits | 121.0950% | 554 |
| Total domestic deposits to total assets | 26.7421% | 5,574 |
| Equity capital to assets | 70.6136% | 33 |
| Core capital (leverage) ratio | 71.0740% | 30 |
| Tier 1 risk-based capital ratio | 142.2248% | 33 |
| Total risk-based capital ratio | 143.4445% | 33 |
| Memoranda: | ||
| Average total assets | $20,312,500 | 5,538 |
| Average earning assets | $14,959,500 | 5,560 |
| Average equity | $14,244,500 | 3,799 |
| Average total loans | $6,768,500 | 5,537 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3047% | 5,585 |
| Cost of funding earning assets | 0.2553% | 4,520 |
| Net interest margin | 2.0494% | 5,569 |
| Noninterest income to average assets | 43.4869% | 24 |
| Noninterest expense to average assets | 34.1541% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 6.8765% | 24 |
| Return on assets (ROA) | 6.8765% | 24 |
| Pretax return on assets | 10.8806% | 20 |
| Return on Equity (ROE) | 9.7992% | 1,981 |
| Retained earnings to average equity (ytd only) | 0.7738% | 4,730 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8395% | 1,642 |
| Assets per employee ($millions) | 1.0624% | 5,623 |
| Cash dividends to net income (ytd only)* | 92.1033% | 499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8235% | 749 |
| 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 | 33.0741% | 5,367 |
| Net loans and leases to deposits | 121.2055% | 99 |
| Net loans and leases to core deposits | 121.2055% | 552 |
| Total domestic deposits to total assets | 27.2876% | 5,640 |
| Equity capital to assets | 69.6012% | 30 |
| Core capital (leverage) ratio | 69.1831% | 28 |
| Tier 1 risk-based capital ratio | 138.3527% | 30 |
| Total risk-based capital ratio | 139.5715% | 30 |
| Memoranda: | ||
| Average total assets | $19,704,800 | 5,607 |
| Average earning assets | $14,882,400 | 5,622 |
| Average equity | $13,827,600 | 3,869 |
| Average total loans | $6,446,000 | 5,601 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2246% | 5,663 |
| Cost of funding earning assets | 0.2233% | 4,785 |
| Net interest margin | 2.0013% | 5,643 |
| Noninterest income to average assets | 42.2904% | 27 |
| Noninterest expense to average assets | 34.6588% | 31 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 5.8752% | 26 |
| Return on assets (ROA) | 5.8752% | 26 |
| Pretax return on assets | 9.1566% | 27 |
| Return on Equity (ROE) | 8.3548% | 2,952 |
| Retained earnings to average equity (ytd only) | -3.7272% | 5,509 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1019% | 1,203 |
| Assets per employee ($millions) | 1.0681% | 5,684 |
| Cash dividends to net income (ytd only)* | 144.6117% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7280% | 979 |
| 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 | 34.7492% | 5,394 |
| Net loans and leases to deposits | 117.3768% | 134 |
| Net loans and leases to core deposits | 117.3768% | 694 |
| Total domestic deposits to total assets | 29.6048% | 5,707 |
| Equity capital to assets | 66.8868% | 32 |
| Core capital (leverage) ratio | 70.5662% | 30 |
| Tier 1 risk-based capital ratio | 127.6572% | 33 |
| Total risk-based capital ratio | 128.8225% | 33 |
| Memoranda: | ||
| Average total assets | $19,584,750 | 5,673 |
| Average earning assets | $14,923,250 | 5,686 |
| Average equity | $13,772,250 | 3,912 |
| Average total loans | $6,357,500 | 5,666 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1254% | 5,720 |
| Cost of funding earning assets | 0.2287% | 4,729 |
| Net interest margin | 1.8967% | 5,710 |
| Noninterest income to average assets | 42.7117% | 27 |
| Noninterest expense to average assets | 34.7317% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 6.1401% | 31 |
| Return on assets (ROA) | 6.1401% | 31 |
| Pretax return on assets | 9.4375% | 28 |
| Return on Equity (ROE) | 8.5849% | 2,734 |
| Retained earnings to average equity (ytd only) | -9.4520% | 5,644 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6333% | 1,376 |
| Assets per employee ($millions) | 0.9330% | 5,740 |
| Cash dividends to net income (ytd only)* | 210.1010% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7966% | 894 |
| 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 | 36.3237% | 5,369 |
| Net loans and leases to deposits | 144.7054% | 16 |
| Net loans and leases to core deposits | 144.7054% | 153 |
| Total domestic deposits to total assets | 25.1018% | 5,759 |
| Equity capital to assets | 71.3023% | 32 |
| Core capital (leverage) ratio | 70.8078% | 32 |
| Tier 1 risk-based capital ratio | 133.3934% | 31 |
| Total risk-based capital ratio | 134.6358% | 31 |
| Memoranda: | ||
| Average total assets | $19,348,330 | 5,720 |
| Average earning assets | $14,868,000 | 5,735 |
| Average equity | $13,838,330 | 3,911 |
| Average total loans | $6,084,670 | 5,719 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9064% | 5,806 |
| Cost of funding earning assets | 0.2417% | 4,618 |
| Net interest margin | 1.6648% | 5,799 |
| Noninterest income to average assets | 42.0380% | 27 |
| Noninterest expense to average assets | 34.3080% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 5.8431% | 33 |
| Return on assets (ROA) | 5.8431% | 33 |
| Pretax return on assets | 8.9879% | 28 |
| Return on Equity (ROE) | 8.1783% | 2,824 |
| Retained earnings to average equity (ytd only) | 8.1783% | 1,388 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2409% | 1,458 |
| Assets per employee ($millions) | 0.9769% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1017% | 554 |
| 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 | 29.5629% | 5,598 |
| Net loans and leases to deposits | 124.1083% | 63 |
| Net loans and leases to core deposits | 124.1083% | 359 |
| Total domestic deposits to total assets | 23.8202% | 5,826 |
| Equity capital to assets | 72.8324% | 33 |
| Core capital (leverage) ratio | 72.3498% | 31 |
| Tier 1 risk-based capital ratio | 151.7157% | 32 |
| Total risk-based capital ratio | 152.9625% | 30 |
| Memoranda: | ||
| Average total assets | $19,715,500 | 5,787 |
| Average earning assets | $14,897,000 | 5,804 |
| Average equity | $14,086,000 | 3,907 |
| Average total loans | $5,676,000 | 5,791 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9693% | 5,846 |
| Cost of funding earning assets | 0.2997% | 4,067 |
| Net interest margin | 1.6696% | 5,840 |
| Noninterest income to average assets | 41.1011% | 28 |
| Noninterest expense to average assets | 33.9425% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 5.3578% | 29 |
| Return on assets (ROA) | 5.3578% | 30 |
| Pretax return on assets | 8.3194% | 26 |
| Return on Equity (ROE) | 7.9757% | 2,947 |
| Retained earnings to average equity (ytd only) | 3.4413% | 3,481 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3146% | 1,382 |
| Assets per employee ($millions) | 0.9947% | 5,864 |
| Cash dividends to net income (ytd only)* | 56.8519% | 1,930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2744% | 419 |
| 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 | 26.7833% | 5,710 |
| Net loans and leases to deposits | 102.4025% | 509 |
| Net loans and leases to core deposits | 102.4025% | 1,421 |
| Total domestic deposits to total assets | 26.1549% | 5,882 |
| Equity capital to assets | 70.0850% | 32 |
| Core capital (leverage) ratio | 67.9776% | 29 |
| Tier 1 risk-based capital ratio | 144.5492% | 31 |
| Total risk-based capital ratio | 145.8031% | 31 |
| Memoranda: | ||
| Average total assets | $20,157,600 | 5,840 |
| Average earning assets | $14,015,000 | 5,866 |
| Average equity | $13,541,200 | 4,017 |
| Average total loans | $5,515,600 | 5,851 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0558% | 5,905 |
| Cost of funding earning assets | 0.3074% | 4,014 |
| Net interest margin | 1.7483% | 5,900 |
| Noninterest income to average assets | 40.2421% | 27 |
| Noninterest expense to average assets | 32.5352% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 5.7291% | 27 |
| Return on assets (ROA) | 5.7291% | 28 |
| Pretax return on assets | 8.9068% | 25 |
| Return on Equity (ROE) | 8.6202% | 2,702 |
| Retained earnings to average equity (ytd only) | 2.5295% | 4,403 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5078% | 1,614 |
| Assets per employee ($millions) | 1.0018% | 5,933 |
| Cash dividends to net income (ytd only)* | 70.6561% | 1,018 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7605% | 243 |
| 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 | 21.8018% | 5,847 |
| Net loans and leases to deposits | 74.6156% | 3,538 |
| Net loans and leases to core deposits | 74.6156% | 3,957 |
| Total domestic deposits to total assets | 29.2189% | 5,950 |
| Equity capital to assets | 67.7265% | 32 |
| Core capital (leverage) ratio | 68.0450% | 30 |
| Tier 1 risk-based capital ratio | 154.7769% | 31 |
| Total risk-based capital ratio | 156.0324% | 30 |
| Memoranda: | ||
| Average total assets | $20,223,750 | 5,903 |
| Average earning assets | $13,879,500 | 5,936 |
| Average equity | $13,441,000 | 4,065 |
| Average total loans | $5,531,500 | 5,918 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1414% | 5,981 |
| Cost of funding earning assets | 0.3227% | 3,871 |
| Net interest margin | 1.8188% | 5,977 |
| Noninterest income to average assets | 39.6615% | 26 |
| Noninterest expense to average assets | 32.3562% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 5.5110% | 30 |
| Return on assets (ROA) | 5.5110% | 30 |
| Pretax return on assets | 8.5278% | 26 |
| Return on Equity (ROE) | 8.3443% | 2,817 |
| Retained earnings to average equity (ytd only) | -0.8210% | 5,418 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1415% | 1,615 |
| Assets per employee ($millions) | 0.9407% | 6,011 |
| Cash dividends to net income (ytd only)* | 109.8390% | 408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2811% | 487 |
| 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 | 26.8894% | 5,851 |
| Net loans and leases to deposits | 90.0186% | 1,752 |
| Net loans and leases to core deposits | 90.0186% | 2,532 |
| Total domestic deposits to total assets | 29.8709% | 6,029 |
| Equity capital to assets | 67.1476% | 31 |
| Core capital (leverage) ratio | 64.9909% | 32 |
| Tier 1 risk-based capital ratio | 141.9497% | 34 |
| Total risk-based capital ratio | 143.2030% | 34 |
| Memoranda: | ||
| Average total assets | $20,286,670 | 5,973 |
| Average earning assets | $13,635,670 | 6,013 |
| Average equity | $13,398,330 | 4,092 |
| Average total loans | $5,878,000 | 5,989 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1350% | 6,046 |
| Cost of funding earning assets | 0.3217% | 3,927 |
| Net interest margin | 1.8133% | 6,041 |
| Noninterest income to average assets | 39.4113% | 27 |
| Noninterest expense to average assets | 30.7894% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 6.3837% | 30 |
| Return on assets (ROA) | 6.3837% | 29 |
| Pretax return on assets | 9.8285% | 23 |
| Return on Equity (ROE) | 9.7438% | 2,097 |
| Retained earnings to average equity (ytd only) | 9.7438% | 913 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8026% | 2,202 |
| Assets per employee ($millions) | 0.9883% | 6,074 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9885% | 833 |
| 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 | 29.4483% | 5,840 |
| Net loans and leases to deposits | 92.3961% | 1,295 |
| Net loans and leases to core deposits | 92.3961% | 2,148 |
| Total domestic deposits to total assets | 31.8718% | 6,089 |
| Equity capital to assets | 65.7191% | 32 |
| Core capital (leverage) ratio | 66.1716% | 29 |
| Tier 1 risk-based capital ratio | 134.1929% | 34 |
| Total risk-based capital ratio | 135.4134% | 34 |
| Memoranda: | ||
| Average total assets | $20,552,500 | 6,032 |
| Average earning assets | $13,677,000 | 6,074 |
| Average equity | $13,465,000 | 4,092 |
| Average total loans | $6,099,000 | 6,048 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2681% | 6,059 |
| Cost of funding earning assets | 0.2982% | 4,270 |
| Net interest margin | 1.9698% | 6,052 |
| Noninterest income to average assets | 44.7025% | 26 |
| Noninterest expense to average assets | 35.2635% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 7.0262% | 29 |
| Return on assets (ROA) | 7.0262% | 28 |
| Pretax return on assets | 10.7700% | 25 |
| Return on Equity (ROE) | 10.4816% | 1,813 |
| Retained earnings to average equity (ytd only) | 10.4816% | 398 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6041% | 2,177 |
| Assets per employee ($millions) | 0.9703% | 6,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0798% | 706 |
| 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 | 0.0000% | 5,583 |
| Net loans and leases to total assets | 28.6499% | 5,927 |
| Net loans and leases to deposits | 90.1065% | 1,598 |
| Net loans and leases to core deposits | 90.1065% | 2,394 |
| Total domestic deposits to total assets | 31.7957% | 6,149 |
| Equity capital to assets | 65.1028% | 33 |
| Core capital (leverage) ratio | 66.2048% | 30 |
| Tier 1 risk-based capital ratio | 132.3568% | 35 |
| Total risk-based capital ratio | 133.5924% | 35 |
| Memoranda: | ||
| Average total assets | $18,858,000 | 6,108 |
| Average earning assets | $12,742,200 | 6,141 |
| Average equity | $12,641,200 | 4,198 |
| Average total loans | $6,112,000 | 6,100 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2846% | 6,148 |
| Cost of funding earning assets | 0.2869% | 4,480 |
| Net interest margin | 1.9976% | 6,138 |
| Noninterest income to average assets | 45.6597% | 25 |
| Noninterest expense to average assets | 36.4311% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 6.9053% | 29 |
| Return on assets (ROA) | 6.9053% | 29 |
| Pretax return on assets | 10.5851% | 25 |
| Return on Equity (ROE) | 10.2200% | 2,010 |
| Retained earnings to average equity (ytd only) | 10.2200% | 598 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4862% | 2,022 |
| Assets per employee ($millions) | 0.8829% | 6,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1331% | 727 |
| 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 | 30.6850% | 5,949 |
| Net loans and leases to deposits | 111.9221% | 214 |
| Net loans and leases to core deposits | 111.9221% | 770 |
| Total domestic deposits to total assets | 27.4164% | 6,238 |
| Equity capital to assets | 69.6548% | 34 |
| Core capital (leverage) ratio | 69.1509% | 30 |
| Tier 1 risk-based capital ratio | 131.6213% | 37 |
| Total risk-based capital ratio | 132.8748% | 36 |
| Memoranda: | ||
| Average total assets | $18,478,250 | 6,198 |
| Average earning assets | $12,547,750 | 6,227 |
| Average equity | $12,485,000 | 4,269 |
| Average total loans | $6,149,500 | 6,181 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3643% | 6,203 |
| Cost of funding earning assets | 0.2935% | 4,461 |
| Net interest margin | 2.0708% | 6,182 |
| Noninterest income to average assets | 47.4383% | 25 |
| Noninterest expense to average assets | 36.9386% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 7.7583% | 31 |
| Return on assets (ROA) | 7.7583% | 31 |
| Pretax return on assets | 11.8758% | 26 |
| Return on Equity (ROE) | 11.6027% | 1,499 |
| Retained earnings to average equity (ytd only) | 11.6027% | 435 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6715% | 2,414 |
| Assets per employee ($millions) | 0.8350% | 6,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0715% | 890 |
| 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 | 31.9090% | 5,984 |
| Net loans and leases to deposits | 113.2097% | 198 |
| Net loans and leases to core deposits | 113.2097% | 702 |
| Total domestic deposits to total assets | 28.1857% | 6,309 |
| Equity capital to assets | 68.9837% | 34 |
| Core capital (leverage) ratio | 68.5694% | 33 |
| Tier 1 risk-based capital ratio | 130.8383% | 36 |
| Total risk-based capital ratio | 132.0875% | 35 |
| Memoranda: | ||
| Average total assets | $18,457,670 | 6,275 |
| Average earning assets | $12,265,670 | 6,304 |
| Average equity | $12,342,000 | 4,319 |
| Average total loans | $6,261,670 | 6,254 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4837% | 6,228 |
| Cost of funding earning assets | 0.3021% | 4,419 |
| Net interest margin | 2.1817% | 6,216 |
| Noninterest income to average assets | 47.7812% | 25 |
| Noninterest expense to average assets | 34.6792% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 9.4265% | 23 |
| Return on assets (ROA) | 9.4265% | 23 |
| Pretax return on assets | 14.5073% | 23 |
| Return on Equity (ROE) | 14.3227% | 817 |
| Retained earnings to average equity (ytd only) | 14.3227% | 334 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5055% | 3,395 |
| Assets per employee ($millions) | 0.8348% | 6,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9015% | 1,283 |
| 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 | 0.0000% | 5,830 |
| Net loans and leases to total assets | 34.8326% | 5,887 |
| Net loans and leases to deposits | 122.9719% | 64 |
| Net loans and leases to core deposits | 122.9719% | 352 |
| Total domestic deposits to total assets | 28.3256% | 6,382 |
| Equity capital to assets | 67.4871% | 36 |
| Core capital (leverage) ratio | 67.6215% | 34 |
| Tier 1 risk-based capital ratio | 120.0639% | 46 |
| Total risk-based capital ratio | 121.2653% | 47 |
| Memoranda: | ||
| Average total assets | $18,501,000 | 6,341 |
| Average earning assets | $11,917,500 | 6,375 |
| Average equity | $12,176,500 | 4,384 |
| Average total loans | $6,399,500 | 6,322 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2563% | 6,392 |
| Cost of funding earning assets | 0.2285% | 5,537 |
| Net interest margin | 2.0278% | 6,362 |
| Noninterest income to average assets | 61.8480% | 22 |
| Noninterest expense to average assets | 39.9598% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 15.0011% | 13 |
| Return on assets (ROA) | 15.0011% | 13 |
| Pretax return on assets | 23.2015% | 12 |
| Return on Equity (ROE) | 20.7863% | 213 |
| Retained earnings to average equity (ytd only) | 10.2949% | 473 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2663% | 4,711 |
| Assets per employee ($millions) | 0.8481% | 6,460 |
| Cash dividends to net income (ytd only)* | 50.4727% | 2,247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9752% | 1,151 |
| 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 | 0.0000% | 5,950 |
| Net loans and leases to total assets | 32.9832% | 6,085 |
| Net loans and leases to deposits | 114.1956% | 163 |
| Net loans and leases to core deposits | 114.1956% | 596 |
| Total domestic deposits to total assets | 28.8831% | 6,471 |
| Equity capital to assets | 63.9029% | 36 |
| Core capital (leverage) ratio | 72.8684% | 32 |
| Tier 1 risk-based capital ratio | 118.4501% | 40 |
| Total risk-based capital ratio | 119.6821% | 40 |
| Memoranda: | ||
| Average total assets | $16,218,800 | 6,452 |
| Average earning assets | $10,503,800 | 6,472 |
| Average equity | $11,704,800 | 4,418 |
| Average total loans | $4,940,400 | 6,440 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2776% | 6,466 |
| Cost of funding earning assets | 0.2118% | 5,740 |
| Net interest margin | 2.0657% | 6,431 |
| Noninterest income to average assets | 65.0378% | 21 |
| Noninterest expense to average assets | 41.2914% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 16.3235% | 12 |
| Return on assets (ROA) | 16.3235% | 12 |
| Pretax return on assets | 25.0789% | 12 |
| Return on Equity (ROE) | 21.8703% | 194 |
| Retained earnings to average equity (ytd only) | 21.8703% | 54 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2136% | 4,858 |
| Assets per employee ($millions) | 0.7531% | 6,544 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4501% | 687 |
| 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 | 0.0000% | 6,061 |
| Net loans and leases to total assets | 29.7966% | 6,257 |
| Net loans and leases to deposits | 164.2382% | 15 |
| Net loans and leases to core deposits | 164.2382% | 71 |
| Total domestic deposits to total assets | 18.1423% | 6,559 |
| Equity capital to assets | 76.2267% | 27 |
| Core capital (leverage) ratio | 81.0214% | 24 |
| Tier 1 risk-based capital ratio | 141.0162% | 36 |
| Total risk-based capital ratio | 142.2669% | 36 |
| Memoranda: | ||
| Average total assets | $15,609,000 | 6,539 |
| Average earning assets | $10,068,750 | 6,553 |
| Average equity | $11,650,250 | 4,459 |
| Average total loans | $4,606,000 | 6,521 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2332% | 6,545 |
| Cost of funding earning assets | 0.2233% | 5,717 |
| Net interest margin | 2.0099% | 6,519 |
| Noninterest income to average assets | 66.5838% | 21 |
| Noninterest expense to average assets | 43.4822% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 15.8545% | 12 |
| Return on assets (ROA) | 15.8545% | 12 |
| Pretax return on assets | 24.3966% | 12 |
| Return on Equity (ROE) | 21.4065% | 227 |
| Retained earnings to average equity (ytd only) | 21.4065% | 69 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0586% | 4,677 |
| Assets per employee ($millions) | 0.7111% | 6,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4965% | 713 |
| 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 | 0.0000% | 6,120 |
| Net loans and leases to total assets | 30.9576% | 6,278 |
| Net loans and leases to deposits | 154.0885% | 18 |
| Net loans and leases to core deposits | 154.0885% | 89 |
| Total domestic deposits to total assets | 20.0908% | 6,625 |
| Equity capital to assets | 76.2784% | 30 |
| Core capital (leverage) ratio | 77.8517% | 28 |
| Tier 1 risk-based capital ratio | 136.2183% | 34 |
| Total risk-based capital ratio | 137.4743% | 34 |
| Memoranda: | ||
| Average total assets | $15,289,000 | 6,609 |
| Average earning assets | $9,851,330 | 6,621 |
| Average equity | $11,323,670 | 4,534 |
| Average total loans | $4,454,330 | 6,588 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0275% | 6,645 |
| Cost of funding earning assets | 0.2069% | 5,942 |
| Net interest margin | 1.8206% | 6,625 |
| Noninterest income to average assets | 66.9424% | 20 |
| Noninterest expense to average assets | 43.8342% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 15.7761% | 12 |
| Return on assets (ROA) | 15.7761% | 12 |
| Pretax return on assets | 24.2729% | 13 |
| Return on Equity (ROE) | 21.6354% | 215 |
| Retained earnings to average equity (ytd only) | 21.6354% | 92 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3607% | 4,803 |
| Assets per employee ($millions) | 0.7390% | 6,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5514% | 768 |
| 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 | 0.0000% | 6,210 |
| Net loans and leases to total assets | 30.5174% | 6,330 |
| Net loans and leases to deposits | 146.2180% | 20 |
| Net loans and leases to core deposits | 146.2180% | 106 |
| Total domestic deposits to total assets | 20.8712% | 6,694 |
| Equity capital to assets | 72.9235% | 37 |
| Core capital (leverage) ratio | 75.5526% | 31 |
| Tier 1 risk-based capital ratio | 132.0649% | 38 |
| Total risk-based capital ratio | 133.3139% | 38 |
| Memoranda: | ||
| Average total assets | $15,111,500 | 6,684 |
| Average earning assets | $9,667,000 | 6,695 |
| Average equity | $11,019,000 | 4,609 |
| Average total loans | $4,198,000 | 6,663 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1830% | 6,691 |
| Cost of funding earning assets | 0.3280% | 5,344 |
| Net interest margin | 1.8550% | 6,677 |
| Noninterest income to average assets | 66.4019% | 21 |
| Noninterest expense to average assets | 42.7404% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 16.2947% | 13 |
| Return on assets (ROA) | 16.2947% | 14 |
| Pretax return on assets | 24.8414% | 14 |
| Return on Equity (ROE) | 23.7416% | 158 |
| Retained earnings to average equity (ytd only) | 23.7416% | 57 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2425% | 5,017 |
| Assets per employee ($millions) | 0.6684% | 6,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5068% | 290 |
| 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 | 0.0000% | 6,319 |
| Net loans and leases to total assets | 23.2046% | 6,617 |
| Net loans and leases to deposits | 100.2645% | 468 |
| Net loans and leases to core deposits | 100.2645% | 1,139 |
| Total domestic deposits to total assets | 23.1434% | 6,778 |
| Equity capital to assets | 72.9121% | 31 |
| Core capital (leverage) ratio | 73.8747% | 29 |
| Tier 1 risk-based capital ratio | 150.6466% | 36 |
| Total risk-based capital ratio | 151.8977% | 36 |
| Memoranda: | ||
| Average total assets | $13,900,200 | 6,771 |
| Average earning assets | $8,841,200 | 6,785 |
| Average equity | $9,540,200 | 4,963 |
| Average total loans | $3,360,200 | 6,760 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2332% | 6,765 |
| Cost of funding earning assets | 0.3543% | 5,257 |
| Net interest margin | 1.8789% | 6,754 |
| Noninterest income to average assets | 65.2671% | 20 |
| Noninterest expense to average assets | 43.2324% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 15.1148% | 14 |
| Return on assets (ROA) | 15.1148% | 14 |
| Pretax return on assets | 23.2221% | 14 |
| Return on Equity (ROE) | 22.3971% | 191 |
| Retained earnings to average equity (ytd only) | 22.3971% | 63 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0557% | 4,638 |
| Assets per employee ($millions) | 0.6600% | 6,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4969% | 339 |
| 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 | 23.5659% | 6,697 |
| Net loans and leases to deposits | 87.1847% | 1,473 |
| Net loans and leases to core deposits | 87.1847% | 2,262 |
| Total domestic deposits to total assets | 27.0298% | 6,851 |
| Equity capital to assets | 68.9346% | 32 |
| Core capital (leverage) ratio | 71.1563% | 27 |
| Tier 1 risk-based capital ratio | 137.5584% | 39 |
| Total risk-based capital ratio | 138.8095% | 39 |
| Memoranda: | ||
| Average total assets | $13,699,250 | 6,850 |
| Average earning assets | $8,657,000 | 6,864 |
| Average equity | $9,245,000 | 5,083 |
| Average total loans | $3,316,250 | 6,837 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2758% | 6,804 |
| Cost of funding earning assets | 0.3833% | 5,100 |
| Net interest margin | 1.8925% | 6,793 |
| Noninterest income to average assets | 66.0840% | 19 |
| Noninterest expense to average assets | 43.1721% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 15.6719% | 11 |
| Return on assets (ROA) | 15.6719% | 11 |
| Pretax return on assets | 24.0888% | 12 |
| Return on Equity (ROE) | 23.4038% | 159 |
| Retained earnings to average equity (ytd only) | 23.4038% | 59 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1860% | 4,842 |
| Assets per employee ($millions) | 0.6160% | 6,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8450% | 289 |
| 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 | 0.0000% | 6,469 |
| Net loans and leases to total assets | 22.8805% | 6,745 |
| Net loans and leases to deposits | 87.2047% | 1,439 |
| Net loans and leases to core deposits | 87.2047% | 2,206 |
| Total domestic deposits to total assets | 26.2377% | 6,903 |
| Equity capital to assets | 70.1616% | 32 |
| Core capital (leverage) ratio | 72.3034% | 28 |
| Tier 1 risk-based capital ratio | 140.6481% | 33 |
| Total risk-based capital ratio | 141.9059% | 33 |
| Memoranda: | ||
| Average total assets | $13,425,330 | 6,900 |
| Average earning assets | $8,348,670 | 6,917 |
| Average equity | $8,990,000 | 5,173 |
| Average total loans | $3,239,670 | 6,886 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3383% | 6,859 |
| Cost of funding earning assets | 0.3818% | 5,267 |
| Net interest margin | 1.9566% | 6,857 |
| Noninterest income to average assets | 66.1602% | 19 |
| Noninterest expense to average assets | 43.1089% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 15.7767% | 8 |
| Return on assets (ROA) | 15.7767% | 9 |
| Pretax return on assets | 24.2787% | 12 |
| Return on Equity (ROE) | 24.1452% | 138 |
| Retained earnings to average equity (ytd only) | 24.1452% | 70 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9716% | 5,013 |
| Assets per employee ($millions) | 0.6175% | 6,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8119% | 331 |
| 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 | 23.0345% | 6,795 |
| Net loans and leases to deposits | 76.8985% | 2,503 |
| Net loans and leases to core deposits | 87.6716% | 1,939 |
| Total domestic deposits to total assets | 29.9544% | 6,973 |
| Equity capital to assets | 66.5636% | 35 |
| Core capital (leverage) ratio | 67.1397% | 29 |
| Tier 1 risk-based capital ratio | 132.9753% | 35 |
| Total risk-based capital ratio | 134.2260% | 35 |
| Memoranda: | ||
| Average total assets | $13,361,500 | 6,978 |
| Average earning assets | $8,382,000 | 6,996 |
| Average equity | $8,730,500 | 5,292 |
| Average total loans | $3,247,000 | 6,961 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7010% | 6,877 |
| Cost of funding earning assets | 0.4595% | 5,505 |
| Net interest margin | 2.2415% | 6,864 |
| Noninterest income to average assets | 57.1499% | 23 |
| Noninterest expense to average assets | 38.8379% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 12.7979% | 11 |
| Return on assets (ROA) | 12.7979% | 11 |
| Pretax return on assets | 19.6786% | 15 |
| Return on Equity (ROE) | 20.7332% | 275 |
| Retained earnings to average equity (ytd only) | 0.0332% | 5,817 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3709% | 4,432 |
| Assets per employee ($millions) | 0.6257% | 7,038 |
| Cash dividends to net income (ytd only)* | 99.8398% | 481 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8260% | 323 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 23.7233% | 6,864 |
| Net loans and leases to deposits | 73.8801% | 3,104 |
| Net loans and leases to core deposits | 83.8129% | 2,570 |
| Total domestic deposits to total assets | 32.1105% | 7,035 |
| Equity capital to assets | 64.0764% | 35 |
| Core capital (leverage) ratio | 60.4715% | 34 |
| Tier 1 risk-based capital ratio | 131.0388% | 42 |
| Total risk-based capital ratio | 132.3003% | 42 |
| Memoranda: | ||
| Average total assets | $14,635,200 | 7,033 |
| Average earning assets | $8,922,600 | 7,051 |
| Average equity | $9,033,800 | 5,210 |
| Average total loans | $3,797,800 | 7,022 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7300% | 6,989 |
| Cost of funding earning assets | 0.4870% | 5,526 |
| Net interest margin | 2.2430% | 6,974 |
| Noninterest income to average assets | 55.1735% | 22 |
| Noninterest expense to average assets | 36.0924% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 13.3869% | 13 |
| Return on assets (ROA) | 13.3869% | 13 |
| Pretax return on assets | 20.4313% | 12 |
| Return on Equity (ROE) | 21.8697% | 244 |
| Retained earnings to average equity (ytd only) | 12.4804% | 448 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8535% | 4,826 |
| Assets per employee ($millions) | 0.6623% | 7,136 |
| Cash dividends to net income (ytd only)* | 42.9333% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3514% | 529 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 25.7118% | 6,927 |
| Net loans and leases to deposits | 85.6527% | 1,643 |
| Net loans and leases to core deposits | 97.3061% | 1,312 |
| Total domestic deposits to total assets | 30.0187% | 7,139 |
| Equity capital to assets | 66.6954% | 34 |
| Core capital (leverage) ratio | 66.4159% | 33 |
| Tier 1 risk-based capital ratio | 135.5409% | 43 |
| Total risk-based capital ratio | 136.7982% | 42 |
| Memoranda: | ||
| Average total assets | $15,009,250 | 7,122 |
| Average earning assets | $9,035,250 | 7,146 |
| Average equity | $9,187,500 | 5,221 |
| Average total loans | $3,937,000 | 7,115 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7587% | 7,057 |
| Cost of funding earning assets | 0.5173% | 5,507 |
| Net interest margin | 2.2415% | 7,035 |
| Noninterest income to average assets | 53.0296% | 22 |
| Noninterest expense to average assets | 35.7432% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 12.2786% | 13 |
| Return on assets (ROA) | 12.2786% | 13 |
| Pretax return on assets | 18.6390% | 14 |
| Return on Equity (ROE) | 20.6159% | 317 |
| Retained earnings to average equity (ytd only) | 6.4861% | 2,391 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7259% | 4,584 |
| Assets per employee ($millions) | 0.6741% | 7,197 |
| Cash dividends to net income (ytd only)* | 68.5381% | 1,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3760% | 554 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 25.0689% | 7,004 |
| Net loans and leases to deposits | 77.8802% | 2,692 |
| Net loans and leases to core deposits | 87.4784% | 2,256 |
| Total domestic deposits to total assets | 32.1890% | 7,203 |
| Equity capital to assets | 64.7665% | 33 |
| Core capital (leverage) ratio | 60.5298% | 32 |
| Tier 1 risk-based capital ratio | 116.5924% | 46 |
| Total risk-based capital ratio | 117.8521% | 46 |
| Memoranda: | ||
| Average total assets | $15,376,330 | 7,178 |
| Average earning assets | $9,279,670 | 7,208 |
| Average equity | $9,158,000 | 5,227 |
| Average total loans | $4,016,000 | 7,173 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8949% | 7,081 |
| Cost of funding earning assets | 0.5454% | 5,525 |
| Net interest margin | 2.3495% | 7,041 |
| Noninterest income to average assets | 50.9696% | 21 |
| Noninterest expense to average assets | 34.4301% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 11.8354% | 14 |
| Return on assets (ROA) | 11.8354% | 15 |
| Pretax return on assets | 17.9407% | 13 |
| Return on Equity (ROE) | 20.6719% | 338 |
| Retained earnings to average equity (ytd only) | 20.6719% | 169 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7430% | 4,607 |
| Assets per employee ($millions) | 0.7298% | 7,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2058% | 683 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 23.3198% | 7,095 |
| Net loans and leases to deposits | 59.9808% | 5,146 |
| Net loans and leases to core deposits | 65.2038% | 4,997 |
| Total domestic deposits to total assets | 38.8789% | 7,261 |
| Equity capital to assets | 58.1999% | 33 |
| Core capital (leverage) ratio | 57.1761% | 29 |
| Tier 1 risk-based capital ratio | 111.2461% | 43 |
| Total risk-based capital ratio | 112.4970% | 42 |
| Memoranda: | ||
| Average total assets | $15,986,000 | 7,228 |
| Average earning assets | $9,534,000 | 7,270 |
| Average equity | $9,152,500 | 5,249 |
| Average total loans | $4,187,500 | 7,232 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0005% | 7,177 |
| Cost of funding earning assets | 0.6801% | 5,660 |
| Net interest margin | 2.3204% | 7,140 |
| Noninterest income to average assets | 47.6718% | 22 |
| Noninterest expense to average assets | 33.5081% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 9.9875% | 18 |
| Return on assets (ROA) | 9.9875% | 20 |
| Pretax return on assets | 15.5844% | 17 |
| Return on Equity (ROE) | 18.4791% | 349 |
| Retained earnings to average equity (ytd only) | 18.4791% | 67 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9057% | 4,382 |
| Assets per employee ($millions) | 0.8377% | 7,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7513% | 1,033 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 27.5366% | 7,072 |
| Net loans and leases to deposits | 69.8264% | 4,134 |
| Net loans and leases to core deposits | 75.8698% | 3,998 |
| Total domestic deposits to total assets | 39.4358% | 7,307 |
| Equity capital to assets | 56.2983% | 36 |
| Core capital (leverage) ratio | 53.5042% | 35 |
| Tier 1 risk-based capital ratio | 106.9892% | 46 |
| Total risk-based capital ratio | 108.2437% | 46 |
| Memoranda: | ||
| Average total assets | $16,330,400 | 7,268 |
| Average earning assets | $9,998,400 | 7,313 |
| Average equity | $8,826,200 | 5,331 |
| Average total loans | $4,859,800 | 7,271 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0561% | 7,248 |
| Cost of funding earning assets | 0.6909% | 5,821 |
| Net interest margin | 2.3651% | 7,193 |
| Noninterest income to average assets | 46.1965% | 24 |
| Noninterest expense to average assets | 31.5927% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 10.4985% | 18 |
| Return on assets (ROA) | 10.4985% | 19 |
| Pretax return on assets | 16.0479% | 17 |
| Return on Equity (ROE) | 19.6223% | 335 |
| Retained earnings to average equity (ytd only) | 19.6223% | 81 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9571% | 4,730 |
| Assets per employee ($millions) | 0.8525% | 7,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6479% | 1,205 |
| 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 | 28.1455% | 7,141 |
| Net loans and leases to deposits | 67.0540% | 4,753 |
| Net loans and leases to core deposits | 75.6806% | 4,230 |
| Total domestic deposits to total assets | 41.9743% | 7,374 |
| Equity capital to assets | 55.3216% | 41 |
| Core capital (leverage) ratio | 52.6625% | 40 |
| Tier 1 risk-based capital ratio | 99.0166% | 57 |
| Total risk-based capital ratio | 100.2682% | 57 |
| Memoranda: | ||
| Average total assets | $16,433,750 | 7,344 |
| Average earning assets | $10,034,500 | 7,390 |
| Average equity | $8,792,500 | 5,362 |
| Average total loans | $4,948,000 | 7,341 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0841% | 7,316 |
| Cost of funding earning assets | 0.6765% | 6,093 |
| Net interest margin | 2.4076% | 7,229 |
| Noninterest income to average assets | 47.7461% | 24 |
| Noninterest expense to average assets | 32.5817% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 10.8162% | 18 |
| Return on assets (ROA) | 10.8162% | 18 |
| Pretax return on assets | 16.6300% | 18 |
| Return on Equity (ROE) | 20.4434% | 288 |
| Retained earnings to average equity (ytd only) | 20.4434% | 87 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8627% | 4,901 |
| Assets per employee ($millions) | 0.8764% | 7,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5173% | 1,421 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 28.8374% | 7,217 |
| Net loans and leases to deposits | 68.2684% | 4,664 |
| Net loans and leases to core deposits | 76.7093% | 4,225 |
| Total domestic deposits to total assets | 42.2412% | 7,445 |
| Equity capital to assets | 55.1225% | 43 |
| Core capital (leverage) ratio | 53.5375% | 42 |
| Tier 1 risk-based capital ratio | 96.1225% | 56 |
| Total risk-based capital ratio | 97.3726% | 55 |
| Memoranda: | ||
| Average total assets | $16,512,330 | 7,414 |
| Average earning assets | $10,051,670 | 7,464 |
| Average equity | $8,736,330 | 5,398 |
| Average total loans | $5,036,330 | 7,414 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9121% | 7,413 |
| Cost of funding earning assets | 0.6808% | 6,244 |
| Net interest margin | 2.2314% | 7,343 |
| Noninterest income to average assets | 47.4624% | 23 |
| Noninterest expense to average assets | 31.8200% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 11.2635% | 18 |
| Return on assets (ROA) | 11.2635% | 18 |
| Pretax return on assets | 17.0777% | 15 |
| Return on Equity (ROE) | 21.7499% | 255 |
| Retained earnings to average equity (ytd only) | 21.7499% | 138 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6816% | 5,413 |
| Assets per employee ($millions) | 0.8203% | 7,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4134% | 1,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 30.5639% | 7,214 |
| Net loans and leases to deposits | 70.4312% | 4,280 |
| Net loans and leases to core deposits | 79.0104% | 3,884 |
| Total domestic deposits to total assets | 43.3953% | 7,502 |
| Equity capital to assets | 53.3069% | 44 |
| Core capital (leverage) ratio | 51.5798% | 40 |
| Tier 1 risk-based capital ratio | 93.7676% | 56 |
| Total risk-based capital ratio | 95.0163% | 55 |
| Memoranda: | ||
| Average total assets | $16,442,500 | 7,474 |
| Average earning assets | $10,576,500 | 7,517 |
| Average equity | $8,515,000 | 5,458 |
| Average total loans | $5,091,500 | 7,470 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0694% | 7,487 |
| Cost of funding earning assets | 0.7083% | 6,857 |
| Net interest margin | 2.3611% | 7,338 |
| Noninterest income to average assets | 37.8399% | 30 |
| Noninterest expense to average assets | 45.6588% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | -3.9286% | 7,427 |
| Return on assets (ROA) | -3.9286% | 7,441 |
| Pretax return on assets | -6.2299% | 7,589 |
| Return on Equity (ROE) | -7.4627% | 6,581 |
| Retained earnings to average equity (ytd only) | -15.1023% | 6,883 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4113% | 460 |
| Assets per employee ($millions) | 0.8240% | 7,602 |
| Cash dividends to net income (ytd only)* | -102.3710% | 7,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4579% | 1,464 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 29.8604% | 7,360 |
| Net loans and leases to deposits | 67.3003% | 5,197 |
| Net loans and leases to core deposits | 75.2562% | 4,822 |
| Total domestic deposits to total assets | 44.3689% | 7,575 |
| Equity capital to assets | 50.2731% | 47 |
| Core capital (leverage) ratio | 43.8349% | 51 |
| Tier 1 risk-based capital ratio | 88.5587% | 56 |
| Total risk-based capital ratio | 89.8059% | 56 |
| Memoranda: | ||
| Average total assets | $18,250,600 | 7,505 |
| Average earning assets | $12,282,400 | 7,572 |
| Average equity | $9,607,800 | 5,232 |
| Average total loans | $6,152,800 | 7,527 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0732% | 7,617 |
| Cost of funding earning assets | 0.7132% | 7,033 |
| Net interest margin | 2.3599% | 7,459 |
| Noninterest income to average assets | 35.9051% | 30 |
| Noninterest expense to average assets | 46.9463% | 26 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | -6.2267% | 7,696 |
| Return on assets (ROA) | -6.2267% | 7,699 |
| Pretax return on assets | -9.4363% | 7,741 |
| Return on Equity (ROE) | -11.7117% | 6,996 |
| Retained earnings to average equity (ytd only) | -11.7117% | 6,960 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.7576% | 343 |
| Assets per employee ($millions) | 0.8488% | 7,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0469% | 2,108 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 34.9552% | 7,311 |
| Net loans and leases to deposits | 81.3992% | 3,199 |
| Net loans and leases to core deposits | 91.0402% | 2,947 |
| Total domestic deposits to total assets | 42.9430% | 7,675 |
| Equity capital to assets | 54.8716% | 48 |
| Core capital (leverage) ratio | 47.9941% | 50 |
| Tier 1 risk-based capital ratio | 99.3620% | 57 |
| Total risk-based capital ratio | 100.6164% | 56 |
| Memoranda: | ||
| Average total assets | $18,693,250 | 7,596 |
| Average earning assets | $12,712,000 | 7,668 |
| Average equity | $9,938,500 | 5,217 |
| Average total loans | $6,429,750 | 7,613 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1554% | 7,687 |
| Cost of funding earning assets | 0.7461% | 7,075 |
| Net interest margin | 2.4093% | 7,469 |
| Noninterest income to average assets | 34.4655% | 31 |
| Noninterest expense to average assets | 56.2866% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | -13.3294% | 7,824 |
| Return on assets (ROA) | -13.3294% | 7,824 |
| Pretax return on assets | -20.2121% | 7,825 |
| Return on Equity (ROE) | -25.3096% | 7,375 |
| Retained earnings to average equity (ytd only) | -25.3096% | 7,359 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 155.6259% | 187 |
| Assets per employee ($millions) | 0.8430% | 7,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0540% | 2,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 35.0733% | 7,386 |
| Net loans and leases to deposits | 82.4571% | 3,190 |
| Net loans and leases to core deposits | 82.4571% | 4,349 |
| Total domestic deposits to total assets | 42.5351% | 7,750 |
| Equity capital to assets | 54.1728% | 49 |
| Core capital (leverage) ratio | 47.6518% | 48 |
| Tier 1 risk-based capital ratio | 98.5761% | 56 |
| Total risk-based capital ratio | 99.8248% | 54 |
| Memoranda: | ||
| Average total assets | $19,265,670 | 7,643 |
| Average earning assets | $12,866,670 | 7,731 |
| Average equity | $10,146,330 | 5,160 |
| Average total loans | $6,553,670 | 7,675 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0562% | 7,794 |
| Cost of funding earning assets | 0.8090% | 7,066 |
| Net interest margin | 2.2472% | 7,626 |
| Noninterest income to average assets | 32.8692% | 31 |
| Noninterest expense to average assets | 25.2870% | 37 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 5.9602% | 33 |
| Return on assets (ROA) | 5.9602% | 35 |
| Pretax return on assets | 9.0478% | 29 |
| Return on Equity (ROE) | 11.4522% | 1,658 |
| Retained earnings to average equity (ytd only) | 11.4522% | 841 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2499% | 3,713 |
| Assets per employee ($millions) | 1.0044% | 7,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 2,668 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 33.2935% | 7,521 |
| Net loans and leases to deposits | 86.8120% | 2,449 |
| Net loans and leases to core deposits | 86.8120% | 3,786 |
| Total domestic deposits to total assets | 38.3513% | 7,859 |
| Equity capital to assets | 53.7933% | 44 |
| Core capital (leverage) ratio | 51.8335% | 48 |
| Tier 1 risk-based capital ratio | 86.8066% | 62 |
| Total risk-based capital ratio | 87.8152% | 61 |
| Memoranda: | ||
| Average total assets | $20,469,000 | 7,712 |
| Average earning assets | $13,350,000 | 7,824 |
| Average equity | $10,653,000 | 5,058 |
| Average total loans | $6,812,000 | 7,763 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6789% | 7,790 |
| Cost of funding earning assets | 1.0777% | 7,039 |
| Net interest margin | 2.6013% | 7,331 |
| Noninterest income to average assets | 30.2189% | 36 |
| Noninterest expense to average assets | 29.5645% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.4335% | 798 |
| Return on assets (ROA) | 1.4335% | 852 |
| Pretax return on assets | 2.4025% | 184 |
| Return on Equity (ROE) | 2.7274% | 4,615 |
| Retained earnings to average equity (ytd only) | 2.7274% | 3,246 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0469% | 1,566 |
| Assets per employee ($millions) | 1.0974% | 7,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8203% | 2,480 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 32.0767% | 7,657 |
| Net loans and leases to deposits | 78.4700% | 4,278 |
| Net loans and leases to core deposits | 206.2924% | 90 |
| Total domestic deposits to total assets | 40.8777% | 7,931 |
| Equity capital to assets | 50.3597% | 53 |
| Core capital (leverage) ratio | 51.8700% | 47 |
| Tier 1 risk-based capital ratio | 82.2549% | 72 |
| Total risk-based capital ratio | 83.2394% | 72 |
| Memoranda: | ||
| Average total assets | $20,020,600 | 7,773 |
| Average earning assets | $13,455,000 | 7,887 |
| Average equity | $10,522,800 | 5,156 |
| Average total loans | $7,130,000 | 7,820 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7822% | 7,873 |
| Cost of funding earning assets | 1.1317% | 7,095 |
| Net interest margin | 2.6505% | 7,292 |
| Noninterest income to average assets | 29.7235% | 37 |
| Noninterest expense to average assets | 25.9349% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 3.6473% | 42 |
| Return on assets (ROA) | 3.6473% | 43 |
| Pretax return on assets | 5.5854% | 36 |
| Return on Equity (ROE) | 6.8638% | 3,136 |
| Retained earnings to average equity (ytd only) | 6.8638% | 1,564 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8318% | 2,600 |
| Assets per employee ($millions) | 1.0369% | 8,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8433% | 2,169 |
| 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 | 33.5144% | 7,701 |
| Net loans and leases to deposits | 85.9542% | 3,325 |
| Net loans and leases to core deposits | 213.4131% | 79 |
| Total domestic deposits to total assets | 38.9910% | 8,018 |
| Equity capital to assets | 55.0706% | 47 |
| Core capital (leverage) ratio | 54.1945% | 48 |
| Tier 1 risk-based capital ratio | 88.1147% | 69 |
| Total risk-based capital ratio | 89.1360% | 69 |
| Memoranda: | ||
| Average total assets | $19,813,250 | 7,852 |
| Average earning assets | $13,431,000 | 7,969 |
| Average equity | $10,528,500 | 5,189 |
| Average total loans | $7,209,500 | 7,892 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9688% | 7,913 |
| Cost of funding earning assets | 1.2384% | 6,994 |
| Net interest margin | 2.7304% | 7,138 |
| Noninterest income to average assets | 28.4932% | 39 |
| Noninterest expense to average assets | 26.1356% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 2.6901% | 85 |
| Return on assets (ROA) | 2.6901% | 97 |
| Pretax return on assets | 4.2014% | 49 |
| Return on Equity (ROE) | 5.1241% | 4,024 |
| Retained earnings to average equity (ytd only) | 5.1241% | 2,441 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6858% | 2,255 |
| Assets per employee ($millions) | 1.0306% | 8,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7729% | 2,124 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 35.0832% | 7,740 |
| Net loans and leases to deposits | 88.4170% | 3,105 |
| Net loans and leases to core deposits | 212.8253% | 91 |
| Total domestic deposits to total assets | 39.6793% | 8,099 |
| Equity capital to assets | 53.9884% | 58 |
| Core capital (leverage) ratio | 52.7686% | 59 |
| Tier 1 risk-based capital ratio | 84.5249% | 78 |
| Total risk-based capital ratio | 85.5311% | 77 |
| Memoranda: | ||
| Average total assets | $19,850,330 | 7,931 |
| Average earning assets | $13,404,670 | 8,058 |
| Average equity | $10,421,330 | 5,236 |
| Average total loans | $7,370,330 | 7,974 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2375% | 7,889 |
| Cost of funding earning assets | 1.3038% | 7,004 |
| Net interest margin | 2.9337% | 6,659 |
| Noninterest income to average assets | 26.8208% | 38 |
| Noninterest expense to average assets | 26.6406% | 45 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4011% | 1,138 |
| Return on assets (ROA) | 1.4011% | 1,225 |
| Pretax return on assets | 2.1617% | 480 |
| Return on Equity (ROE) | 2.7064% | 5,490 |
| Retained earnings to average equity (ytd only) | 2.7064% | 4,380 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0083% | 1,566 |
| Assets per employee ($millions) | 0.9705% | 8,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7724% | 1,923 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 35.4063% | 7,754 |
| Net loans and leases to deposits | 88.5225% | 3,192 |
| Net loans and leases to core deposits | 212.2953% | 110 |
| Total domestic deposits to total assets | 39.9969% | 8,142 |
| Equity capital to assets | 53.4597% | 63 |
| Core capital (leverage) ratio | 51.9459% | 70 |
| Tier 1 risk-based capital ratio | 83.5392% | 81 |
| Total risk-based capital ratio | 84.5537% | 81 |
| Memoranda: | ||
| Average total assets | $19,984,500 | 7,976 |
| Average earning assets | $13,498,500 | 8,105 |
| Average equity | $10,346,000 | 5,279 |
| Average total loans | $7,558,500 | 8,009 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7270% | 7,969 |
| Cost of funding earning assets | 2.1446% | 5,857 |
| Net interest margin | 2.5824% | 7,661 |
| Noninterest income to average assets | 30.8416% | 41 |
| Noninterest expense to average assets | 32.3401% | 36 |
| Loan and lease loss provision to assets | -0.0522% | 8,235 |
| Net operating income to assets | 0.1944% | 5,866 |
| Return on assets (ROA) | 0.1944% | 5,682 |
| Pretax return on assets | 0.4837% | 5,023 |
| Return on Equity (ROE) | 0.3862% | 6,112 |
| Retained earnings to average equity (ytd only) | 0.3862% | 5,010 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2781% | 1,055 |
| Assets per employee ($millions) | 0.9790% | 8,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5269% | 2,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 38.8959% | 7,718 |
| Net loans and leases to deposits | 95.3159% | 2,559 |
| Net loans and leases to core deposits | 260.2343% | 63 |
| Total domestic deposits to total assets | 40.8074% | 8,183 |
| Equity capital to assets | 50.1751% | 78 |
| Core capital (leverage) ratio | 48.7236% | 81 |
| Tier 1 risk-based capital ratio | 65.7349% | 132 |
| Total risk-based capital ratio | 66.5391% | 131 |
| Memoranda: | ||
| Average total assets | $21,088,400 | 7,982 |
| Average earning assets | $15,760,400 | 8,086 |
| Average equity | $10,616,600 | 5,237 |
| Average total loans | $8,783,200 | 7,998 |