Home > USAA Savings Bank > Performance and Condition Ratios
USAA Savings Bank, Performance and Condition Ratios
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 3,721 |
| Cost of funding earning assets | 0.1050% | 4,483 |
| Net interest margin | 4.0452% | 1,139 |
| Noninterest income to average assets | 48.8400% | 51 |
| Noninterest expense to average assets | 34.3081% | 54 |
| Loan and lease loss provision to assets | 0.0000% | 3,179 |
| Net operating income to assets | 13.3181% | 37 |
| Return on assets (ROA) | 13.3181% | 38 |
| Pretax return on assets | 17.5567% | 39 |
| Return on Equity (ROE) | 44.8700% | 64 |
| Retained earnings to average equity (ytd only) | 9.3592% | 1,168 |
| 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 | 66.1491% | 2,339 |
| Assets per employee ($millions) | 513.9496% | 3 |
| Cash dividends to net income (ytd only)* | 79.1410% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,458 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
| Noncurrent loans to loans | 0.0000% | 3,821 |
| Net loans and leases to total assets | 0.0000% | 4,475 |
| Net loans and leases to deposits | 0.0000% | 4,474 |
| Net loans and leases to core deposits | 0.0000% | 4,493 |
| Total domestic deposits to total assets | 6.0600% | 4,516 |
| Equity capital to assets | 28.5732% | 162 |
| Core capital (leverage) ratio | 33.2277% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 82.3688% | 71 |
| Memoranda: | ||
| Average total assets | $2,379,319,600 | 491 |
| Average earning assets | $1,778,293,000 | 583 |
| Average equity | $706,238,000 | 213 |
| Average total loans | $0 | 4,477 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0542% | 3,751 |
| Cost of funding earning assets | 0.0939% | 4,509 |
| Net interest margin | 3.9603% | 1,280 |
| Noninterest income to average assets | 49.4100% | 49 |
| Noninterest expense to average assets | 34.8560% | 53 |
| Loan and lease loss provision to assets | 0.0000% | 2,992 |
| Net operating income to assets | 13.2711% | 37 |
| Return on assets (ROA) | 13.2711% | 37 |
| Pretax return on assets | 17.5400% | 37 |
| Return on Equity (ROE) | 44.2500% | 96 |
| Retained earnings to average equity (ytd only) | 16.4841% | 427 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 66.5242% | 2,216 |
| Assets per employee ($millions) | 403.9298% | 3 |
| Cash dividends to net income (ytd only)* | 62.7518% | 861 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,482 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
| Noncurrent loans to loans | 0.0000% | 3,847 |
| Net loans and leases to total assets | 0.0000% | 4,500 |
| Net loans and leases to deposits | 0.0000% | 4,499 |
| Net loans and leases to core deposits | 0.0000% | 4,490 |
| Total domestic deposits to total assets | 6.3900% | 4,548 |
| Equity capital to assets | 30.6762% | 160 |
| Core capital (leverage) ratio | 34.3430% | 109 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 92.2360% | 68 |
| Memoranda: | ||
| Average total assets | $2,331,712,500 | 501 |
| Average earning assets | $1,756,057,250 | 587 |
| Average equity | $699,232,500 | 214 |
| Average total loans | $0 | 4,502 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9111% | 3,845 |
| Cost of funding earning assets | 0.0754% | 4,532 |
| Net interest margin | 3.8357% | 1,552 |
| Noninterest income to average assets | 49.6700% | 48 |
| Noninterest expense to average assets | 34.7465% | 52 |
| Loan and lease loss provision to assets | 0.0000% | 2,857 |
| Net operating income to assets | 13.5895% | 35 |
| Return on assets (ROA) | 13.5895% | 35 |
| Pretax return on assets | 17.8389% | 36 |
| Return on Equity (ROE) | 45.6800% | 80 |
| Retained earnings to average equity (ytd only) | 17.3791% | 377 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 66.0763% | 2,228 |
| Assets per employee ($millions) | 379.0117% | 4 |
| Cash dividends to net income (ytd only)* | 61.9585% | 929 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,517 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
| Noncurrent loans to loans | 0.0000% | 3,848 |
| Net loans and leases to total assets | 0.0000% | 4,533 |
| Net loans and leases to deposits | 0.0000% | 4,532 |
| Net loans and leases to core deposits | 0.0000% | 4,550 |
| Total domestic deposits to total assets | 6.7300% | 4,571 |
| Equity capital to assets | 31.6933% | 152 |
| Core capital (leverage) ratio | 32.9172% | 108 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 104.5407% | 59 |
| Memoranda: | ||
| Average total assets | $2,301,090,333 | 492 |
| Average earning assets | $1,750,149,000 | 582 |
| Average equity | $684,489,333 | 212 |
| Average total loans | $0 | 4,533 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7492% | 3,949 |
| Cost of funding earning assets | 0.0424% | 4,587 |
| Net interest margin | 3.7068% | 1,884 |
| Noninterest income to average assets | 47.4100% | 50 |
| Noninterest expense to average assets | 32.6805% | 56 |
| Loan and lease loss provision to assets | 0.0000% | 2,553 |
| Net operating income to assets | 13.5690% | 36 |
| Return on assets (ROA) | 13.5690% | 36 |
| Pretax return on assets | 17.5398% | 36 |
| Return on Equity (ROE) | 47.1300% | 88 |
| Retained earnings to average equity (ytd only) | 18.1521% | 501 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 65.0743% | 2,317 |
| Assets per employee ($millions) | 379.9507% | 4 |
| Cash dividends to net income (ytd only)* | 61.4860% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,580 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
| Noncurrent loans to loans | 0.0000% | 3,889 |
| Net loans and leases to total assets | 0.0000% | 4,605 |
| Net loans and leases to deposits | 0.0000% | 4,604 |
| Net loans and leases to core deposits | 0.0000% | 4,587 |
| Total domestic deposits to total assets | 6.6500% | 4,616 |
| Equity capital to assets | 30.6040% | 119 |
| Core capital (leverage) ratio | 31.6044% | 120 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 110.3618% | 58 |
| Memoranda: | ||
| Average total assets | $2,314,600,500 | 506 |
| Average earning assets | $1,754,166,500 | 592 |
| Average equity | $666,370,500 | 220 |
| Average total loans | $0 | 4,605 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9486% | 4,613 |
| Cost of funding earning assets | 0.0268% | 4,616 |
| Net interest margin | 1.9219% | 4,574 |
| Noninterest income to average assets | 53.3500% | 45 |
| Noninterest expense to average assets | 38.0358% | 47 |
| Loan and lease loss provision to assets | 0.0000% | 2,926 |
| Net operating income to assets | 12.6346% | 41 |
| Return on assets (ROA) | 20.2284% | 24 |
| Pretax return on assets | 26.3724% | 24 |
| Return on Equity (ROE) | 73.0000% | 11 |
| Retained earnings to average equity (ytd only) | 20.4663% | 80 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 69.4138% | 1,767 |
| Assets per employee ($millions) | 381.2495% | 4 |
| Cash dividends to net income (ytd only)* | 71.9632% | 611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,606 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
| Noncurrent loans to loans | 0.0000% | 3,914 |
| Net loans and leases to total assets | 0.0000% | 4,635 |
| Net loans and leases to deposits | 0.0000% | 4,634 |
| Net loans and leases to core deposits | 0.0000% | 4,617 |
| Total domestic deposits to total assets | 6.5500% | 4,647 |
| Equity capital to assets | 27.7622% | 130 |
| Core capital (leverage) ratio | 30.8774% | 123 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 93.4369% | 64 |
| Memoranda: | ||
| Average total assets | $2,182,546,800 | 511 |
| Average earning assets | $1,636,778,400 | 608 |
| Average equity | $604,804,000 | 234 |
| Average total loans | $418,200 | 4,635 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4049% | 4,671 |
| Cost of funding earning assets | 0.0249% | 4,650 |
| Net interest margin | 1.3800% | 4,653 |
| Noninterest income to average assets | 53.4600% | 43 |
| Noninterest expense to average assets | 39.1643% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 2,752 |
| Net operating income to assets | 11.3674% | 41 |
| Return on assets (ROA) | 21.6155% | 21 |
| Pretax return on assets | 28.2946% | 22 |
| Return on Equity (ROE) | 78.0400% | 9 |
| Retained earnings to average equity (ytd only) | 15.1792% | 347 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 71.8788% | 1,530 |
| Assets per employee ($millions) | 309.3126% | 8 |
| Cash dividends to net income (ytd only)* | 80.5499% | 399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,653 |
| Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
| Noncurrent loans to loans | 0.0000% | 3,992 |
| Net loans and leases to total assets | 0.0000% | 4,679 |
| Net loans and leases to deposits | 0.0000% | 4,678 |
| Net loans and leases to core deposits | 0.0000% | 4,661 |
| Total domestic deposits to total assets | 7.0900% | 4,692 |
| Equity capital to assets | 26.6248% | 128 |
| Core capital (leverage) ratio | 27.6155% | 132 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 111.1286% | 61 |
| Memoranda: | ||
| Average total assets | $2,156,309,250 | 513 |
| Average earning assets | $1,610,310,000 | 617 |
| Average equity | $597,240,000 | 237 |
| Average total loans | $522,750 | 4,677 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8782% | 4,743 |
| Cost of funding earning assets | 0.0263% | 4,701 |
| Net interest margin | 0.8519% | 4,740 |
| Noninterest income to average assets | 52.6668% | 17 |
| Noninterest expense to average assets | 39.2514% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 2,599 |
| Net operating income to assets | 10.3249% | 20 |
| Return on assets (ROA) | 25.7185% | 10 |
| Pretax return on assets | 33.5213% | 10 |
| Return on Equity (ROE) | 91.6660% | 4 |
| Retained earnings to average equity (ytd only) | 66.1096% | 3 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6603% | 1,553 |
| Assets per employee ($millions) | 286.5046% | 7 |
| Cash dividends to net income (ytd only)* | 27.8800% | 2,178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,740 |
| Net loans and leases to deposits | 0.0000% | 4,740 |
| Net loans and leases to core deposits | 0.0000% | 4,730 |
| Total domestic deposits to total assets | 6.9327% | 4,754 |
| Equity capital to assets | 31.6302% | 60 |
| Core capital (leverage) ratio | 36.5871% | 57 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 85.6155% | 34 |
| Memoranda: | ||
| Average total assets | $2,153,349,667 | 512 |
| Average earning assets | $1,567,762,667 | 634 |
| Average equity | $604,160,667 | 234 |
| Average total loans | $697,000 | 4,737 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4746% | 4,781 |
| Cost of funding earning assets | 0.0274% | 4,716 |
| Net interest margin | 0.4472% | 4,781 |
| Noninterest income to average assets | 50.5691% | 18 |
| Noninterest expense to average assets | 35.1158% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 2,285 |
| Net operating income to assets | 12.5345% | 20 |
| Return on assets (ROA) | 12.5345% | 19 |
| Pretax return on assets | 15.7919% | 19 |
| Return on Equity (ROE) | 48.0402% | 20 |
| Retained earnings to average equity (ytd only) | 19.4846% | 107 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9794% | 2,375 |
| Assets per employee ($millions) | 252.0414% | 8 |
| Cash dividends to net income (ytd only)* | 59.4411% | 1,058 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,768 |
| Net loans and leases to deposits | 0.0000% | 4,768 |
| Net loans and leases to core deposits | 0.0000% | 4,758 |
| Total domestic deposits to total assets | 8.2713% | 4,780 |
| Equity capital to assets | 27.5294% | 69 |
| Core capital (leverage) ratio | 29.5312% | 64 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 92.4585% | 31 |
| Memoranda: | ||
| Average total assets | $2,084,006,000 | 525 |
| Average earning assets | $1,577,870,000 | 631 |
| Average equity | $543,753,500 | 257 |
| Average total loans | $1,045,500 | 4,766 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5015% | 4,811 |
| Cost of funding earning assets | 0.0612% | 4,640 |
| Net interest margin | 0.4403% | 4,811 |
| Noninterest income to average assets | 54.4062% | 20 |
| Noninterest expense to average assets | 39.0825% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 3,064 |
| Net operating income to assets | 12.0627% | 19 |
| Return on assets (ROA) | 12.0627% | 19 |
| Pretax return on assets | 15.6464% | 18 |
| Return on Equity (ROE) | 52.8250% | 12 |
| Retained earnings to average equity (ytd only) | 41.1832% | 8 |
| Net charge-offs to loans | 0.0000% | 2,705 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4110% | 1,572 |
| Assets per employee ($millions) | 268.9601% | 9 |
| Cash dividends to net income (ytd only)* | 22.0384% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,783 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
| Noncurrent loans to loans | 0.0000% | 4,145 |
| Net loans and leases to total assets | 0.0972% | 4,811 |
| Net loans and leases to deposits | 1.1967% | 4,808 |
| Net loans and leases to core deposits | 1.7012% | 4,796 |
| Total domestic deposits to total assets | 8.1204% | 4,825 |
| Equity capital to assets | 24.7446% | 95 |
| Core capital (leverage) ratio | 28.3147% | 68 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 98.1701% | 30 |
| Memoranda: | ||
| Average total assets | $1,940,243,000 | 550 |
| Average earning assets | $1,421,834,200 | 671 |
| Average equity | $443,059,400 | 296 |
| Average total loans | $1,139,200 | 4,809 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5193% | 4,895 |
| Cost of funding earning assets | 0.0733% | 4,672 |
| Net interest margin | 0.4460% | 4,893 |
| Noninterest income to average assets | 54.2788% | 18 |
| Noninterest expense to average assets | 39.7724% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 2,963 |
| Net operating income to assets | 11.4376% | 18 |
| Return on assets (ROA) | 11.4376% | 18 |
| Pretax return on assets | 14.8280% | 17 |
| Return on Equity (ROE) | 51.3103% | 16 |
| Retained earnings to average equity (ytd only) | 42.6146% | 8 |
| Net charge-offs to loans | 0.0000% | 2,463 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8427% | 1,331 |
| Assets per employee ($millions) | 196.6330% | 12 |
| Cash dividends to net income (ytd only)* | 16.9473% | 2,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 4,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
| Noncurrent loans to loans | 0.0000% | 4,237 |
| Net loans and leases to total assets | 0.1833% | 4,881 |
| Net loans and leases to deposits | 1.9959% | 4,878 |
| Net loans and leases to core deposits | 2.8585% | 4,867 |
| Total domestic deposits to total assets | 9.1854% | 4,901 |
| Equity capital to assets | 24.6847% | 102 |
| Core capital (leverage) ratio | 27.1893% | 79 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 80.9161% | 38 |
| Memoranda: | ||
| Average total assets | $1,887,383,500 | 569 |
| Average earning assets | $1,361,157,250 | 696 |
| Average equity | $420,718,250 | 300 |
| Average total loans | $901,250 | 4,880 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5230% | 4,933 |
| Cost of funding earning assets | 0.0898% | 4,640 |
| Net interest margin | 0.4332% | 4,932 |
| Noninterest income to average assets | 53.4058% | 18 |
| Noninterest expense to average assets | 39.2889% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 2,862 |
| Net operating income to assets | 11.2509% | 17 |
| Return on assets (ROA) | 11.2509% | 17 |
| Pretax return on assets | 14.4312% | 19 |
| Return on Equity (ROE) | 52.4562% | 20 |
| Retained earnings to average equity (ytd only) | 50.6489% | 7 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1364% | 1,325 |
| Assets per employee ($millions) | 206.9012% | 9 |
| Cash dividends to net income (ytd only)* | 3.4453% | 3,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,922 |
| Net loans and leases to deposits | 0.0000% | 4,922 |
| Net loans and leases to core deposits | 0.0000% | 4,911 |
| Total domestic deposits to total assets | 10.1630% | 4,937 |
| Equity capital to assets | 24.2955% | 103 |
| Core capital (leverage) ratio | 25.6470% | 84 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 83.0435% | 37 |
| Memoranda: | ||
| Average total assets | $1,861,068,000 | 568 |
| Average earning assets | $1,350,374,000 | 700 |
| Average equity | $399,163,333 | 312 |
| Average total loans | NA | NA |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5855% | 4,960 |
| Cost of funding earning assets | 0.1084% | 4,601 |
| Net interest margin | 0.4772% | 4,957 |
| Noninterest income to average assets | 48.5623% | 21 |
| Noninterest expense to average assets | 37.3069% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 2,741 |
| Net operating income to assets | 9.0763% | 24 |
| Return on assets (ROA) | 9.0763% | 24 |
| Pretax return on assets | 11.6028% | 23 |
| Return on Equity (ROE) | 45.3288% | 43 |
| Retained earnings to average equity (ytd only) | 43.3532% | 25 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2770% | 1,110 |
| Assets per employee ($millions) | 265.1881% | 8 |
| Cash dividends to net income (ytd only)* | 4.3584% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,422 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,950 |
| Net loans and leases to deposits | 0.0000% | 4,950 |
| Net loans and leases to core deposits | 0.0000% | 4,939 |
| Total domestic deposits to total assets | 10.6097% | 4,964 |
| Equity capital to assets | 21.1416% | 146 |
| Core capital (leverage) ratio | 22.6439% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 77.1358% | 39 |
| Memoranda: | ||
| Average total assets | $1,860,546,500 | 564 |
| Average earning assets | $1,354,689,000 | 696 |
| Average equity | $372,540,000 | 332 |
| Average total loans | NA | NA |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8287% | 4,978 |
| Cost of funding earning assets | 0.2336% | 4,448 |
| Net interest margin | 0.5951% | 4,977 |
| Noninterest income to average assets | 50.7792% | 20 |
| Noninterest expense to average assets | 41.5714% | 19 |
| Loan and lease loss provision to assets | 0.0000% | 4,319 |
| Net operating income to assets | 7.4962% | 30 |
| Return on assets (ROA) | 7.4962% | 29 |
| Pretax return on assets | 9.6866% | 24 |
| Return on Equity (ROE) | 39.3378% | 30 |
| Retained earnings to average equity (ytd only) | 14.4775% | 173 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1022% | 803 |
| Assets per employee ($millions) | 226.0970% | 10 |
| Cash dividends to net income (ytd only)* | 63.1969% | 1,215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,492 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 4,974 |
| Net loans and leases to deposits | 0.0000% | 4,974 |
| Net loans and leases to core deposits | 0.0000% | 4,963 |
| Total domestic deposits to total assets | 11.2591% | 4,987 |
| Equity capital to assets | 19.4952% | 216 |
| Core capital (leverage) ratio | 22.5140% | 124 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 80.1571% | 38 |
| Memoranda: | ||
| Average total assets | $1,742,146,800 | 544 |
| Average earning assets | $1,401,343,400 | 601 |
| Average equity | $331,983,800 | 346 |
| Average total loans | NA | NA |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9188% | 5,020 |
| Cost of funding earning assets | 0.2672% | 4,443 |
| Net interest margin | 0.6516% | 5,019 |
| Noninterest income to average assets | 49.6655% | 22 |
| Noninterest expense to average assets | 37.5737% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 4,239 |
| Net operating income to assets | 9.7034% | 21 |
| Return on assets (ROA) | 9.7034% | 21 |
| Pretax return on assets | 12.6252% | 21 |
| Return on Equity (ROE) | 51.2300% | 20 |
| Retained earnings to average equity (ytd only) | 18.3630% | 105 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8496% | 1,319 |
| Assets per employee ($millions) | 235.2943% | 10 |
| Cash dividends to net income (ytd only)* | 64.1559% | 987 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,006 |
| Net loans and leases to deposits | 0.0000% | 5,006 |
| Net loans and leases to core deposits | 0.0000% | 4,995 |
| Total domestic deposits to total assets | 12.9549% | 5,016 |
| Equity capital to assets | 21.2400% | 167 |
| Core capital (leverage) ratio | 22.7626% | 125 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 95.7562% | 36 |
| Memoranda: | ||
| Average total assets | $1,725,489,500 | 538 |
| Average earning assets | $1,412,522,500 | 584 |
| Average equity | $326,823,750 | 344 |
| Average total loans | NA | NA |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0651% | 5,055 |
| Cost of funding earning assets | 0.3164% | 4,410 |
| Net interest margin | 0.7487% | 5,055 |
| Noninterest income to average assets | 47.5565% | 20 |
| Noninterest expense to average assets | 34.9594% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | 10.8001% | 16 |
| Return on assets (ROA) | 10.8001% | 16 |
| Pretax return on assets | 13.2164% | 19 |
| Return on Equity (ROE) | 59.2750% | 9 |
| Retained earnings to average equity (ytd only) | 25.7456% | 43 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5664% | 1,613 |
| Assets per employee ($millions) | 335.5632% | 10 |
| Cash dividends to net income (ytd only)* | 56.5658% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,039 |
| Net loans and leases to deposits | 0.0000% | 5,039 |
| Net loans and leases to core deposits | 0.0000% | 5,027 |
| Total domestic deposits to total assets | 13.3851% | 5,048 |
| Equity capital to assets | 20.6549% | 185 |
| Core capital (leverage) ratio | 22.5312% | 135 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 99.6572% | 35 |
| Memoranda: | ||
| Average total assets | $1,751,632,667 | 525 |
| Average earning assets | $1,448,651,667 | 563 |
| Average equity | $319,153,333 | 350 |
| Average total loans | NA | NA |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4666% | 5,104 |
| Cost of funding earning assets | 0.3740% | 4,449 |
| Net interest margin | 1.0927% | 5,099 |
| Noninterest income to average assets | 49.8954% | 19 |
| Noninterest expense to average assets | 35.7091% | 21 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 12.5971% | 13 |
| Return on assets (ROA) | 12.5971% | 13 |
| Pretax return on assets | 15.1115% | 14 |
| Return on Equity (ROE) | 73.7604% | 6 |
| Retained earnings to average equity (ytd only) | 5.7737% | 1,965 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2650% | 2,310 |
| Assets per employee ($millions) | 358.5738% | 9 |
| Cash dividends to net income (ytd only)* | 92.1724% | 839 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,086 |
| Net loans and leases to deposits | 0.0000% | 5,086 |
| Net loans and leases to core deposits | 0.0000% | 5,074 |
| Total domestic deposits to total assets | 20.4466% | 5,087 |
| Equity capital to assets | 17.2672% | 411 |
| Core capital (leverage) ratio | 18.7644% | 298 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 139.0748% | 28 |
| Memoranda: | ||
| Average total assets | $1,788,541,000 | 496 |
| Average earning assets | $1,514,474,000 | 526 |
| Average equity | $305,454,000 | 350 |
| Average total loans | NA | NA |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2695% | 5,133 |
| Cost of funding earning assets | 0.2962% | 4,737 |
| Net interest margin | 1.9733% | 5,096 |
| Noninterest income to average assets | 55.9096% | 20 |
| Noninterest expense to average assets | 40.9776% | 20 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 12.6350% | 15 |
| Return on assets (ROA) | 12.6348% | 17 |
| Pretax return on assets | 16.4429% | 17 |
| Return on Equity (ROE) | 75.0882% | 6 |
| Retained earnings to average equity (ytd only) | 5.1997% | 2,312 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3638% | 1,966 |
| Assets per employee ($millions) | 297.3688% | 7 |
| Cash dividends to net income (ytd only)* | 93.0752% | 456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,149 |
| Net loans and leases to deposits | 0.0000% | 5,149 |
| Net loans and leases to core deposits | 0.0000% | 5,138 |
| Total domestic deposits to total assets | 21.1437% | 5,151 |
| Equity capital to assets | 16.8886% | 482 |
| Core capital (leverage) ratio | 18.4818% | 308 |
| Tier 1 risk-based capital ratio | 151.9510% | 31 |
| Total risk-based capital ratio | 153.5424% | 31 |
| Memoranda: | ||
| Average total assets | $1,767,216,600 | 481 |
| Average earning assets | $1,353,321,600 | 556 |
| Average equity | $297,362,200 | 348 |
| Average total loans | NA | NA |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4549% | 5,216 |
| Cost of funding earning assets | 0.2698% | 4,874 |
| Net interest margin | 2.1851% | 5,151 |
| Noninterest income to average assets | 55.3699% | 19 |
| Noninterest expense to average assets | 39.7505% | 22 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 13.3124% | 12 |
| Return on assets (ROA) | 13.3124% | 13 |
| Pretax return on assets | 17.2385% | 13 |
| Return on Equity (ROE) | 79.1890% | 6 |
| Retained earnings to average equity (ytd only) | 9.0623% | 1,026 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7512% | 2,153 |
| Assets per employee ($millions) | 291.3140% | 6 |
| Cash dividends to net income (ytd only)* | 88.5561% | 464 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,226 |
| Net loans and leases to deposits | 0.0000% | 5,226 |
| Net loans and leases to core deposits | 0.0000% | 5,215 |
| Total domestic deposits to total assets | 19.8261% | 5,231 |
| Equity capital to assets | 17.5005% | 439 |
| Core capital (leverage) ratio | 19.1668% | 282 |
| Tier 1 risk-based capital ratio | 67.9475% | 75 |
| Total risk-based capital ratio | 69.3348% | 73 |
| Memoranda: | ||
| Average total assets | $1,762,967,500 | 482 |
| Average earning assets | $1,306,245,750 | 572 |
| Average equity | $296,370,500 | 349 |
| Average total loans | NA | NA |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4211% | 5,274 |
| Cost of funding earning assets | 0.2330% | 5,000 |
| Net interest margin | 2.1881% | 5,211 |
| Noninterest income to average assets | 54.2800% | 19 |
| Noninterest expense to average assets | 38.1599% | 24 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 13.7301% | 12 |
| Return on assets (ROA) | 13.7301% | 13 |
| Pretax return on assets | 17.7430% | 13 |
| Return on Equity (ROE) | 82.7932% | 5 |
| Retained earnings to average equity (ytd only) | 11.8282% | 426 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2610% | 2,493 |
| Assets per employee ($millions) | 266.5983% | 7 |
| Cash dividends to net income (ytd only)* | 85.7136% | 702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,274 |
| Net loans and leases to deposits | 0.0000% | 5,274 |
| Net loans and leases to core deposits | 0.0000% | 5,263 |
| Total domestic deposits to total assets | 17.3479% | 5,281 |
| Equity capital to assets | 16.2130% | 583 |
| Core capital (leverage) ratio | 19.6764% | 250 |
| Tier 1 risk-based capital ratio | 73.1428% | 60 |
| Total risk-based capital ratio | 74.5385% | 58 |
| Memoranda: | ||
| Average total assets | $1,767,995,330 | 478 |
| Average earning assets | $1,311,390,670 | 573 |
| Average equity | $293,198,000 | 352 |
| Average total loans | NA | NA |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3600% | 5,344 |
| Cost of funding earning assets | 0.2088% | 5,100 |
| Net interest margin | 2.1513% | 5,289 |
| Noninterest income to average assets | 52.4573% | 20 |
| Noninterest expense to average assets | 36.3433% | 25 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 13.7863% | 11 |
| Return on assets (ROA) | 13.7863% | 11 |
| Pretax return on assets | 17.6918% | 12 |
| Return on Equity (ROE) | 82.1352% | 7 |
| Retained earnings to average equity (ytd only) | 9.9808% | 1,036 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2587% | 2,748 |
| Assets per employee ($millions) | 251.9401% | 8 |
| Cash dividends to net income (ytd only)* | 87.8484% | 783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,335 |
| Net loans and leases to deposits | 0.0000% | 5,334 |
| Net loans and leases to core deposits | 0.0000% | 5,323 |
| Total domestic deposits to total assets | 17.3837% | 5,338 |
| Equity capital to assets | 16.5639% | 492 |
| Core capital (leverage) ratio | 19.2354% | 266 |
| Tier 1 risk-based capital ratio | 75.1475% | 59 |
| Total risk-based capital ratio | 76.5523% | 59 |
| Memoranda: | ||
| Average total assets | $1,718,899,000 | 492 |
| Average earning assets | $1,260,652,500 | 593 |
| Average equity | $288,514,500 | 356 |
| Average total loans | NA | NA |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0191% | 5,368 |
| Cost of funding earning assets | 0.1879% | 5,051 |
| Net interest margin | 1.8312% | 5,350 |
| Noninterest income to average assets | 52.3850% | 20 |
| Noninterest expense to average assets | 37.5765% | 23 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 13.8016% | 11 |
| Return on assets (ROA) | 13.8016% | 11 |
| Pretax return on assets | 16.1960% | 13 |
| Return on Equity (ROE) | 91.0731% | 4 |
| Retained earnings to average equity (ytd only) | 7.6922% | 1,380 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8805% | 2,210 |
| Assets per employee ($millions) | 239.1739% | 8 |
| Cash dividends to net income (ytd only)* | 91.5538% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,379 |
| Net loans and leases to deposits | 0.0000% | 5,379 |
| Net loans and leases to core deposits | 0.0000% | 5,367 |
| Total domestic deposits to total assets | 18.6659% | 5,380 |
| Equity capital to assets | 17.0176% | 417 |
| Core capital (leverage) ratio | 18.2599% | 312 |
| Tier 1 risk-based capital ratio | 66.2710% | 74 |
| Total risk-based capital ratio | 67.6570% | 74 |
| Memoranda: | ||
| Average total assets | $1,800,701,400 | 457 |
| Average earning assets | $1,364,437,400 | 539 |
| Average equity | $272,886,200 | 364 |
| Average total loans | $200 | 5,380 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9271% | 5,444 |
| Cost of funding earning assets | 0.1861% | 5,070 |
| Net interest margin | 1.7410% | 5,430 |
| Noninterest income to average assets | 50.6955% | 21 |
| Noninterest expense to average assets | 35.3516% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 12.9149% | 12 |
| Return on assets (ROA) | 12.9149% | 12 |
| Pretax return on assets | 16.6834% | 13 |
| Return on Equity (ROE) | 87.6847% | 5 |
| Retained earnings to average equity (ytd only) | 3.4587% | 4,041 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9381% | 2,551 |
| Assets per employee ($millions) | 229.1543% | 8 |
| Cash dividends to net income (ytd only)* | 96.0555% | 306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,450 |
| Net loans and leases to deposits | 0.0000% | 5,450 |
| Net loans and leases to core deposits | 0.0000% | 5,439 |
| Total domestic deposits to total assets | 18.2428% | 5,452 |
| Equity capital to assets | 14.7779% | 766 |
| Core capital (leverage) ratio | 17.2256% | 393 |
| Tier 1 risk-based capital ratio | 55.8997% | 95 |
| Total risk-based capital ratio | 57.3067% | 94 |
| Memoranda: | ||
| Average total assets | $1,832,322,500 | 448 |
| Average earning assets | $1,409,831,500 | 522 |
| Average equity | $269,880,000 | 363 |
| Average total loans | $250 | 5,451 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8460% | 5,511 |
| Cost of funding earning assets | 0.1886% | 5,080 |
| Net interest margin | 1.6575% | 5,502 |
| Noninterest income to average assets | 49.8548% | 20 |
| Noninterest expense to average assets | 33.4089% | 27 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 13.7122% | 11 |
| Return on assets (ROA) | 13.7122% | 11 |
| Pretax return on assets | 17.7481% | 11 |
| Return on Equity (ROE) | 93.2011% | 4 |
| Retained earnings to average equity (ytd only) | 8.9139% | 1,247 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3067% | 3,098 |
| Assets per employee ($millions) | 221.2750% | 8 |
| Cash dividends to net income (ytd only)* | 90.4359% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 0.0001% | 5,514 |
| Net loans and leases to deposits | 0.0003% | 5,514 |
| Net loans and leases to core deposits | 0.0022% | 5,503 |
| Total domestic deposits to total assets | 20.8874% | 5,513 |
| Equity capital to assets | 15.5841% | 579 |
| Core capital (leverage) ratio | 16.6576% | 429 |
| Tier 1 risk-based capital ratio | 76.4110% | 58 |
| Total risk-based capital ratio | 77.8938% | 58 |
| Memoranda: | ||
| Average total assets | $1,832,018,670 | 444 |
| Average earning assets | $1,439,309,670 | 515 |
| Average equity | $269,535,330 | 360 |
| Average total loans | $330 | 5,515 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7648% | 5,583 |
| Cost of funding earning assets | 0.1902% | 5,077 |
| Net interest margin | 1.5746% | 5,577 |
| Noninterest income to average assets | 46.4329% | 21 |
| Noninterest expense to average assets | 30.1446% | 32 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 13.2626% | 13 |
| Return on assets (ROA) | 13.2626% | 13 |
| Pretax return on assets | 17.5307% | 13 |
| Return on Equity (ROE) | 92.7559% | 4 |
| Retained earnings to average equity (ytd only) | 7.4739% | 2,065 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2290% | 3,598 |
| Assets per employee ($millions) | 229.3636% | 10 |
| Cash dividends to net income (ytd only)* | 91.9424% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,578 |
| Net loans and leases to deposits | 0.0000% | 5,578 |
| Net loans and leases to core deposits | 0.0000% | 5,567 |
| Total domestic deposits to total assets | 22.5544% | 5,576 |
| Equity capital to assets | 14.6512% | 740 |
| Core capital (leverage) ratio | 15.3211% | 588 |
| Tier 1 risk-based capital ratio | 86.1641% | 51 |
| Total risk-based capital ratio | 87.6844% | 48 |
| Memoranda: | ||
| Average total assets | $1,862,928,000 | 442 |
| Average earning assets | $1,469,859,000 | 507 |
| Average equity | $266,368,000 | 363 |
| Average total loans | NA | NA |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2838% | 5,641 |
| Cost of funding earning assets | 0.2681% | 4,415 |
| Net interest margin | 1.0157% | 5,648 |
| Noninterest income to average assets | 51.3149% | 20 |
| Noninterest expense to average assets | 31.6370% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 11.4453% | 13 |
| Return on assets (ROA) | 11.4453% | 13 |
| Pretax return on assets | 20.5012% | 13 |
| Return on Equity (ROE) | 80.9263% | 4 |
| Retained earnings to average equity (ytd only) | 25.3055% | 19 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6791% | 4,160 |
| Assets per employee ($millions) | 236.3684% | 8 |
| Cash dividends to net income (ytd only)* | 68.7302% | 1,344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,643 |
| Net loans and leases to deposits | 0.0000% | 5,643 |
| Net loans and leases to core deposits | 0.0000% | 5,632 |
| Total domestic deposits to total assets | 22.8499% | 5,643 |
| Equity capital to assets | 13.9559% | 926 |
| Core capital (leverage) ratio | 16.1870% | 450 |
| Tier 1 risk-based capital ratio | 62.8269% | 76 |
| Total risk-based capital ratio | 64.2070% | 75 |
| Memoranda: | ||
| Average total assets | $1,803,759,600 | 440 |
| Average earning assets | $1,461,926,200 | 486 |
| Average equity | $255,102,600 | 363 |
| Average total loans | NA | NA |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2003% | 5,716 |
| Cost of funding earning assets | 0.2867% | 4,254 |
| Net interest margin | 0.9136% | 5,726 |
| Noninterest income to average assets | 51.0626% | 22 |
| Noninterest expense to average assets | 31.4256% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 13.0726% | 14 |
| Return on assets (ROA) | 13.0726% | 14 |
| Pretax return on assets | 20.3886% | 14 |
| Return on Equity (ROE) | 92.1098% | 5 |
| Retained earnings to average equity (ytd only) | 41.9586% | 5 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6505% | 4,102 |
| Assets per employee ($millions) | 199.8910% | 9 |
| Cash dividends to net income (ytd only)* | 54.4472% | 1,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,709 |
| Net loans and leases to deposits | 0.0000% | 5,709 |
| Net loans and leases to core deposits | 0.0000% | 5,698 |
| Total domestic deposits to total assets | 25.6696% | 5,710 |
| Equity capital to assets | 15.5047% | 628 |
| Core capital (leverage) ratio | 17.1141% | 374 |
| Tier 1 risk-based capital ratio | 89.0923% | 49 |
| Total risk-based capital ratio | 90.5152% | 49 |
| Memoranda: | ||
| Average total assets | $1,781,962,750 | 450 |
| Average earning assets | $1,466,068,250 | 490 |
| Average equity | $252,903,500 | 367 |
| Average total loans | NA | NA |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.0481% | 5,773 |
| Cost of funding earning assets | 0.3032% | 4,050 |
| Net interest margin | 0.7450% | 5,779 |
| Noninterest income to average assets | 50.6034% | 22 |
| Noninterest expense to average assets | 30.0733% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 13.4982% | 13 |
| Return on assets (ROA) | 13.4982% | 13 |
| Pretax return on assets | 21.1459% | 12 |
| Return on Equity (ROE) | 98.1733% | 4 |
| Retained earnings to average equity (ytd only) | 58.6069% | 2 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7149% | 4,505 |
| Assets per employee ($millions) | 193.8481% | 8 |
| Cash dividends to net income (ytd only)* | 40.3026% | 2,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,758 |
| Net loans and leases to deposits | 0.0000% | 5,758 |
| Net loans and leases to core deposits | 0.0000% | 5,747 |
| Total domestic deposits to total assets | 28.7847% | 5,755 |
| Equity capital to assets | 15.5289% | 609 |
| Core capital (leverage) ratio | 16.7562% | 389 |
| Tier 1 risk-based capital ratio | 104.8558% | 38 |
| Total risk-based capital ratio | 106.3084% | 38 |
| Memoranda: | ||
| Average total assets | $1,776,277,330 | 453 |
| Average earning assets | $1,468,506,670 | 491 |
| Average equity | $244,227,330 | 383 |
| Average total loans | NA | NA |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9135% | 5,845 |
| Cost of funding earning assets | 0.3162% | 3,891 |
| Net interest margin | 0.5973% | 5,849 |
| Noninterest income to average assets | 48.2087% | 21 |
| Noninterest expense to average assets | 26.6057% | 34 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 14.4737% | 13 |
| Return on assets (ROA) | 14.4737% | 13 |
| Pretax return on assets | 22.0950% | 12 |
| Return on Equity (ROE) | 112.3458% | 4 |
| Retained earnings to average equity (ytd only) | 109.2897% | 1 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6310% | 5,077 |
| Assets per employee ($millions) | 37.8940% | 27 |
| Cash dividends to net income (ytd only)* | 2.7203% | 2,804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,827 |
| Net loans and leases to deposits | 0.0000% | 5,825 |
| Net loans and leases to core deposits | 0.0000% | 5,814 |
| Total domestic deposits to total assets | 29.5432% | 5,822 |
| Equity capital to assets | 14.7335% | 703 |
| Core capital (leverage) ratio | 16.1754% | 443 |
| Tier 1 risk-based capital ratio | 111.4091% | 36 |
| Total risk-based capital ratio | 112.8665% | 36 |
| Memoranda: | ||
| Average total assets | $1,792,099,500 | 453 |
| Average earning assets | $1,476,063,000 | 489 |
| Average equity | $230,880,000 | 397 |
| Average total loans | NA | NA |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7913% | 5,890 |
| Cost of funding earning assets | 0.3861% | 3,145 |
| Net interest margin | 0.4052% | 5,902 |
| Noninterest income to average assets | 47.3791% | 24 |
| Noninterest expense to average assets | 32.4518% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 9.8832% | 15 |
| Return on assets (ROA) | 9.8832% | 16 |
| Pretax return on assets | 15.2624% | 17 |
| Return on Equity (ROE) | 97.9906% | 4 |
| Retained earnings to average equity (ytd only) | 25.8731% | 23 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0129% | 3,227 |
| Assets per employee ($millions) | 36.0636% | 28 |
| Cash dividends to net income (ytd only)* | 73.5964% | 1,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,884 |
| Net loans and leases to deposits | 0.0000% | 5,883 |
| Net loans and leases to core deposits | 0.0000% | 5,872 |
| Total domestic deposits to total assets | 30.5561% | 5,880 |
| Equity capital to assets | 11.0557% | 2,584 |
| Core capital (leverage) ratio | 12.4679% | 1,346 |
| Tier 1 risk-based capital ratio | 56.3667% | 106 |
| Total risk-based capital ratio | 57.7420% | 100 |
| Memoranda: | ||
| Average total assets | $1,739,779,800 | 454 |
| Average earning assets | $1,438,854,000 | 483 |
| Average equity | $175,472,000 | 469 |
| Average total loans | NA | NA |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7970% | 5,958 |
| Cost of funding earning assets | 0.3939% | 3,081 |
| Net interest margin | 0.4031% | 5,971 |
| Noninterest income to average assets | 46.0966% | 24 |
| Noninterest expense to average assets | 31.1754% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 9.9889% | 16 |
| Return on assets (ROA) | 9.9889% | 17 |
| Pretax return on assets | 15.2582% | 16 |
| Return on Equity (ROE) | 101.5926% | 3 |
| Retained earnings to average equity (ytd only) | 26.8947% | 22 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1397% | 3,398 |
| Assets per employee ($millions) | 31.2255% | 33 |
| Cash dividends to net income (ytd only)* | 73.5270% | 932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 5,950 |
| Net loans and leases to deposits | 0.0000% | 5,950 |
| Net loans and leases to core deposits | 0.0000% | 5,939 |
| Total domestic deposits to total assets | 33.6854% | 5,946 |
| Equity capital to assets | 11.1633% | 2,835 |
| Core capital (leverage) ratio | 11.9719% | 1,696 |
| Tier 1 risk-based capital ratio | 79.6490% | 55 |
| Total risk-based capital ratio | 81.0854% | 55 |
| Memoranda: | ||
| Average total assets | $1,723,929,500 | 458 |
| Average earning assets | $1,441,438,250 | 480 |
| Average equity | $169,501,500 | 482 |
| Average total loans | NA | NA |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8014% | 6,038 |
| Cost of funding earning assets | 0.3972% | 3,071 |
| Net interest margin | 0.4042% | 6,049 |
| Noninterest income to average assets | 44.4502% | 25 |
| Noninterest expense to average assets | 30.1582% | 29 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 9.3581% | 17 |
| Return on assets (ROA) | 9.3581% | 18 |
| Pretax return on assets | 14.6285% | 19 |
| Return on Equity (ROE) | 99.5382% | 4 |
| Retained earnings to average equity (ytd only) | 22.0816% | 45 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3374% | 3,477 |
| Assets per employee ($millions) | 25.3612% | 34 |
| Cash dividends to net income (ytd only)* | 77.8159% | 944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,029 |
| Net loans and leases to deposits | 0.0000% | 6,029 |
| Net loans and leases to core deposits | 0.0000% | 6,018 |
| Total domestic deposits to total assets | 35.4152% | 6,021 |
| Equity capital to assets | 10.6043% | 3,525 |
| Core capital (leverage) ratio | 11.1014% | 2,325 |
| Tier 1 risk-based capital ratio | 54.9219% | 109 |
| Total risk-based capital ratio | 56.3003% | 109 |
| Memoranda: | ||
| Average total assets | $1,736,514,330 | 452 |
| Average earning assets | $1,445,743,670 | 478 |
| Average equity | $163,258,000 | 495 |
| Average total loans | NA | NA |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.8142% | 6,103 |
| Cost of funding earning assets | 0.3827% | 3,268 |
| Net interest margin | 0.4315% | 6,111 |
| Noninterest income to average assets | 39.2174% | 28 |
| Noninterest expense to average assets | 25.1004% | 33 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 9.2096% | 20 |
| Return on assets (ROA) | 9.2096% | 19 |
| Pretax return on assets | 14.4835% | 17 |
| Return on Equity (ROE) | 103.9798% | 5 |
| Retained earnings to average equity (ytd only) | 24.3057% | 53 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4106% | 4,234 |
| Assets per employee ($millions) | 32.5605% | 32 |
| Cash dividends to net income (ytd only)* | 76.6246% | 1,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,091 |
| Net loans and leases to deposits | 0.0000% | 6,091 |
| Net loans and leases to core deposits | 0.0000% | 6,080 |
| Total domestic deposits to total assets | 32.7200% | 6,088 |
| Equity capital to assets | 9.1415% | 5,047 |
| Core capital (leverage) ratio | 9.5644% | 4,086 |
| Tier 1 risk-based capital ratio | 61.5585% | 85 |
| Total risk-based capital ratio | 62.9515% | 84 |
| Memoranda: | ||
| Average total assets | $1,793,212,500 | 431 |
| Average earning assets | $1,523,001,000 | 460 |
| Average equity | $158,827,000 | 504 |
| Average total loans | NA | NA |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6579% | 6,155 |
| Cost of funding earning assets | 0.5713% | 1,585 |
| Net interest margin | 0.0866% | 6,178 |
| Noninterest income to average assets | 45.9722% | 24 |
| Noninterest expense to average assets | 31.8959% | 28 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 12.5205% | 14 |
| Return on assets (ROA) | 12.5205% | 14 |
| Pretax return on assets | 14.1437% | 18 |
| Return on Equity (ROE) | 119.7036% | 3 |
| Retained earnings to average equity (ytd only) | 28.6372% | 33 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2793% | 3,348 |
| Assets per employee ($millions) | 32.6472% | 29 |
| Cash dividends to net income (ytd only)* | 76.0765% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,149 |
| Net loans and leases to deposits | 0.0000% | 6,149 |
| Net loans and leases to core deposits | 0.0000% | 6,137 |
| Total domestic deposits to total assets | 33.3434% | 6,147 |
| Equity capital to assets | 8.5735% | 5,500 |
| Core capital (leverage) ratio | 9.5074% | 4,159 |
| Tier 1 risk-based capital ratio | 62.4663% | 81 |
| Total risk-based capital ratio | 63.8686% | 81 |
| Memoranda: | ||
| Average total assets | $1,597,880,000 | 445 |
| Average earning assets | $1,244,092,000 | 525 |
| Average equity | $167,132,000 | 474 |
| Average total loans | $1,600 | 6,151 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6750% | 6,246 |
| Cost of funding earning assets | 0.6231% | 1,256 |
| Net interest margin | 0.0519% | 6,267 |
| Noninterest income to average assets | 46.5333% | 24 |
| Noninterest expense to average assets | 30.8009% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 14.3214% | 13 |
| Return on assets (ROA) | 14.3214% | 13 |
| Pretax return on assets | 15.7717% | 18 |
| Return on Equity (ROE) | 130.1188% | 2 |
| Retained earnings to average equity (ytd only) | 35.8327% | 18 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1353% | 3,873 |
| Assets per employee ($millions) | 31.4482% | 29 |
| Cash dividends to net income (ytd only)* | 72.4616% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,212 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 0.0001% | 6,235 |
| Net loans and leases to deposits | 0.0003% | 6,235 |
| Net loans and leases to core deposits | 0.0080% | 6,223 |
| Total domestic deposits to total assets | 36.8120% | 6,230 |
| Equity capital to assets | 9.3132% | 4,989 |
| Core capital (leverage) ratio | 10.0996% | 3,501 |
| Tier 1 risk-based capital ratio | 76.5785% | 62 |
| Total risk-based capital ratio | 78.0167% | 62 |
| Memoranda: | ||
| Average total assets | $1,548,451,250 | 462 |
| Average earning assets | $1,171,454,500 | 552 |
| Average equity | $170,428,750 | 473 |
| Average total loans | $2,000 | 6,237 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7305% | 6,325 |
| Cost of funding earning assets | 0.6864% | 903 |
| Net interest margin | 0.0441% | 6,344 |
| Noninterest income to average assets | 46.6064% | 26 |
| Noninterest expense to average assets | 29.6217% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 17.7933% | 10 |
| Return on assets (ROA) | 17.7933% | 10 |
| Pretax return on assets | 17.0164% | 19 |
| Return on Equity (ROE) | 152.9975% | 3 |
| Retained earnings to average equity (ytd only) | 51.5090% | 11 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5140% | 4,424 |
| Assets per employee ($millions) | 37.1946% | 30 |
| Cash dividends to net income (ytd only)* | 66.3335% | 1,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,313 |
| Net loans and leases to deposits | 0.0000% | 6,313 |
| Net loans and leases to core deposits | 0.0000% | 6,300 |
| Total domestic deposits to total assets | 40.7558% | 6,298 |
| Equity capital to assets | 9.8033% | 4,272 |
| Core capital (leverage) ratio | 10.4979% | 2,953 |
| Tier 1 risk-based capital ratio | 75.9474% | 60 |
| Total risk-based capital ratio | 77.3777% | 60 |
| Memoranda: | ||
| Average total assets | $1,509,016,330 | 476 |
| Average earning assets | $1,084,195,330 | 599 |
| Average equity | $175,495,670 | 464 |
| Average total loans | $2,000 | 6,314 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.7913% | 6,396 |
| Cost of funding earning assets | 0.7797% | 567 |
| Net interest margin | 0.0116% | 6,415 |
| Noninterest income to average assets | 44.1834% | 27 |
| Noninterest expense to average assets | 28.1015% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 10.2326% | 18 |
| Return on assets (ROA) | 10.2326% | 18 |
| Pretax return on assets | 16.0894% | 18 |
| Return on Equity (ROE) | 81.2617% | 10 |
| Retained earnings to average equity (ytd only) | -50.7631% | 6,385 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5911% | 4,540 |
| Assets per employee ($millions) | 32.7522% | 31 |
| Cash dividends to net income (ytd only)* | 162.4687% | 325 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,384 |
| Net loans and leases to deposits | 0.0000% | 6,384 |
| Net loans and leases to core deposits | 0.0000% | 6,371 |
| Total domestic deposits to total assets | 43.1854% | 6,367 |
| Equity capital to assets | 11.8651% | 2,134 |
| Core capital (leverage) ratio | 11.4467% | 2,041 |
| Tier 1 risk-based capital ratio | 33.2321% | 416 |
| Total risk-based capital ratio | 34.5394% | 411 |
| Memoranda: | ||
| Average total assets | $1,482,438,000 | 484 |
| Average earning assets | $964,532,500 | 663 |
| Average equity | $186,671,000 | 443 |
| Average total loans | $3,000 | 6,384 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5297% | 6,487 |
| Cost of funding earning assets | 0.6122% | 1,660 |
| Net interest margin | -0.0825% | 6,508 |
| Noninterest income to average assets | 37.3527% | 28 |
| Noninterest expense to average assets | 24.3639% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 18.3817% | 11 |
| Return on assets (ROA) | 18.3817% | 11 |
| Pretax return on assets | 12.9279% | 23 |
| Return on Equity (ROE) | 54.7842% | 14 |
| Retained earnings to average equity (ytd only) | -9.0400% | 6,287 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3332% | 4,352 |
| Assets per employee ($millions) | 34.6751% | 31 |
| Cash dividends to net income (ytd only)* | 116.5011% | 226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 6,453 |
| 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 | 0.0004% | 6,474 |
| Net loans and leases to deposits | 0.0009% | 6,474 |
| Net loans and leases to core deposits | 0.0252% | 6,461 |
| Total domestic deposits to total assets | 43.6977% | 6,457 |
| Equity capital to assets | 13.3109% | 1,226 |
| Core capital (leverage) ratio | 12.9926% | 1,144 |
| Tier 1 risk-based capital ratio | 49.0834% | 141 |
| Total risk-based capital ratio | 50.4002% | 139 |
| Memoranda: | ||
| Average total assets | $1,889,733,000 | 386 |
| Average earning assets | $1,398,404,800 | 453 |
| Average equity | $634,060,600 | 171 |
| Average total loans | $1,200 | 6,475 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4888% | 6,570 |
| Cost of funding earning assets | 0.5900% | 1,926 |
| Net interest margin | -0.1011% | 6,588 |
| Noninterest income to average assets | 35.1035% | 27 |
| Noninterest expense to average assets | 22.1760% | 30 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 17.7766% | 11 |
| Return on assets (ROA) | 17.7766% | 11 |
| Pretax return on assets | 12.8524% | 22 |
| Return on Equity (ROE) | 47.6000% | 15 |
| Retained earnings to average equity (ytd only) | -19.2248% | 6,483 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.3086% | 4,663 |
| Assets per employee ($millions) | 31.5850% | 33 |
| Cash dividends to net income (ytd only)* | 140.3882% | 156 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,554 |
| Net loans and leases to deposits | 0.0000% | 6,554 |
| Net loans and leases to core deposits | 0.0000% | 6,541 |
| Total domestic deposits to total assets | 49.8294% | 6,526 |
| Equity capital to assets | 13.9577% | 1,022 |
| Core capital (leverage) ratio | 12.2347% | 1,555 |
| Tier 1 risk-based capital ratio | 48.5622% | 140 |
| Total risk-based capital ratio | 49.8884% | 138 |
| Memoranda: | ||
| Average total assets | $1,989,409,250 | 370 |
| Average earning assets | $1,476,463,000 | 429 |
| Average equity | $742,958,500 | 162 |
| Average total loans | NA | NA |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.4575% | 6,636 |
| Cost of funding earning assets | 0.5306% | 2,531 |
| Net interest margin | -0.0731% | 6,655 |
| Noninterest income to average assets | 31.3494% | 28 |
| Noninterest expense to average assets | 18.0762% | 36 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 8.8831% | 23 |
| Return on assets (ROA) | 8.8831% | 23 |
| Pretax return on assets | 13.2184% | 23 |
| Return on Equity (ROE) | 21.0707% | 240 |
| Retained earnings to average equity (ytd only) | -53.8960% | 6,633 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7615% | 5,584 |
| Assets per employee ($millions) | 36.0080% | 30 |
| Cash dividends to net income (ytd only)* | 355.7872% | 49 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,622 |
| Net loans and leases to deposits | 0.0000% | 6,622 |
| Net loans and leases to core deposits | 0.0000% | 6,609 |
| Total domestic deposits to total assets | 49.4265% | 6,596 |
| Equity capital to assets | 14.6855% | 776 |
| Core capital (leverage) ratio | 10.0611% | 3,520 |
| Tier 1 risk-based capital ratio | 35.2358% | 340 |
| Total risk-based capital ratio | 36.5190% | 335 |
| Memoranda: | ||
| Average total assets | $2,199,828,000 | 332 |
| Average earning assets | $1,646,928,670 | 390 |
| Average equity | $927,422,330 | 140 |
| Average total loans | NA | NA |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.3809% | 6,716 |
| Cost of funding earning assets | 0.4248% | 3,701 |
| Net interest margin | -0.0439% | 6,727 |
| Noninterest income to average assets | 24.4187% | 33 |
| Noninterest expense to average assets | 14.4477% | 48 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 6.3012% | 33 |
| Return on assets (ROA) | 6.3012% | 33 |
| Pretax return on assets | 9.9358% | 28 |
| Return on Equity (ROE) | 12.7079% | 1,237 |
| Retained earnings to average equity (ytd only) | 12.7076% | 527 |
| Net charge-offs to loans | NA | NA |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2519% | 5,505 |
| Assets per employee ($millions) | 60.0839% | 23 |
| Cash dividends to net income (ytd only)* | 0.0024% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,692 |
| Net loans and leases to deposits | 0.0000% | 6,692 |
| Net loans and leases to core deposits | 0.0000% | 6,679 |
| Total domestic deposits to total assets | 28.1349% | 6,688 |
| Equity capital to assets | 53.1177% | 43 |
| Core capital (leverage) ratio | 48.2580% | 42 |
| Tier 1 risk-based capital ratio | 254.2760% | 25 |
| Total risk-based capital ratio | 255.5634% | 25 |
| Memoranda: | ||
| Average total assets | $2,597,586,000 | 288 |
| Average earning assets | $2,076,055,500 | 325 |
| Average equity | $1,288,018,500 | 107 |
| Average total loans | NA | NA |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5814% | 36 |
| Cost of funding earning assets | 0.8570% | 927 |
| Net interest margin | 7.7244% | 39 |
| Noninterest income to average assets | 5.1406% | 131 |
| Noninterest expense to average assets | 5.0876% | 329 |
| Loan and lease loss provision to assets | 1.7124% | 66 |
| Net operating income to assets | 3.7586% | 69 |
| Return on assets (ROA) | 3.7586% | 68 |
| Pretax return on assets | 5.8074% | 45 |
| Return on Equity (ROE) | 13.6854% | 1,021 |
| Retained earnings to average equity (ytd only) | -75.7841% | 6,793 |
| Net charge-offs to loans | 2.1252% | 162 |
| Credit loss provision to net charge-offs | 84.8889% | 2,899 |
| Earnings coverage of net charge-offs (x) | 3.7278% | 3,765 |
| Efficiency ratio | 40.3538% | 6,686 |
| Assets per employee ($millions) | 22.5763% | 44 |
| Cash dividends to net income (ytd only)* | 653.7600% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | NA | NA |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | NA | NA |
| Net loans and leases to total assets | 0.0000% | 6,772 |
| Net loans and leases to deposits | 0.0000% | 6,772 |
| Net loans and leases to core deposits | 0.0000% | 6,760 |
| Total domestic deposits to total assets | 25.7083% | 6,775 |
| Equity capital to assets | 46.3997% | 42 |
| Core capital (leverage) ratio | 18.8709% | 249 |
| Tier 1 risk-based capital ratio | 255.1004% | 25 |
| Total risk-based capital ratio | 256.3897% | 25 |
| Memoranda: | ||
| Average total assets | $13,273,019,800 | 92 |
| Average earning assets | $12,830,358,000 | 85 |
| Average equity | $3,645,340,400 | 49 |
| Average total loans | $12,598,744,400 | 65 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5037% | 38 |
| Cost of funding earning assets | 0.8219% | 1,205 |
| Net interest margin | 7.6818% | 39 |
| Noninterest income to average assets | 4.2391% | 166 |
| Noninterest expense to average assets | 4.5714% | 481 |
| Loan and lease loss provision to assets | 1.6795% | 61 |
| Net operating income to assets | 3.4334% | 83 |
| Return on assets (ROA) | 3.4334% | 83 |
| Pretax return on assets | 5.4642% | 50 |
| Return on Equity (ROE) | 12.8826% | 1,265 |
| Retained earnings to average equity (ytd only) | 12.8826% | 344 |
| Net charge-offs to loans | 2.0413% | 179 |
| Credit loss provision to net charge-offs | 83.1081% | 2,775 |
| Earnings coverage of net charge-offs (x) | 3.5351% | 3,672 |
| Efficiency ratio | 39.0216% | 6,770 |
| Assets per employee ($millions) | 117.2107% | 17 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5749% | 856 |
| Loan loss allowance to noncurrent loans | 245.2865% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 3,571 |
| Noncurrent loans to loans | 1.0498% | 3,702 |
| Net loans and leases to total assets | 96.5426% | 2 |
| Net loans and leases to deposits | 2,050.9457% | 5 |
| Net loans and leases to core deposits | 42,741.8207% | 4 |
| Total domestic deposits to total assets | 4.7072% | 6,871 |
| Equity capital to assets | 27.2507% | 71 |
| Core capital (leverage) ratio | 27.6243% | 67 |
| Tier 1 risk-based capital ratio | 27.2672% | 684 |
| Total risk-based capital ratio | 28.5350% | 668 |
| Memoranda: | ||
| Average total assets | $15,908,341,500 | 77 |
| Average earning assets | $15,482,172,000 | 72 |
| Average equity | $4,239,796,750 | 46 |
| Average total loans | $15,748,430,500 | 52 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4630% | 40 |
| Cost of funding earning assets | 0.7842% | 1,503 |
| Net interest margin | 7.6788% | 38 |
| Noninterest income to average assets | 4.2005% | 180 |
| Noninterest expense to average assets | 4.0658% | 804 |
| Loan and lease loss provision to assets | 1.7864% | 65 |
| Net operating income to assets | 3.6633% | 75 |
| Return on assets (ROA) | 3.6633% | 78 |
| Pretax return on assets | 5.8159% | 49 |
| Return on Equity (ROE) | 13.8524% | 1,047 |
| Retained earnings to average equity (ytd only) | 13.8524% | 311 |
| Net charge-offs to loans | 2.1584% | 194 |
| Credit loss provision to net charge-offs | 83.6331% | 2,557 |
| Earnings coverage of net charge-offs (x) | 3.5591% | 3,360 |
| Efficiency ratio | 34.8453% | 6,855 |
| Assets per employee ($millions) | 115.7479% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7334% | 759 |
| Loan loss allowance to noncurrent loans | 258.3068% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 1.0470% | 3,656 |
| Noncurrent loans to loans | 1.0582% | 3,818 |
| Net loans and leases to total assets | 96.2367% | 2 |
| Net loans and leases to deposits | 1,956.4012% | 5 |
| Net loans and leases to core deposits | 45,259.7782% | 4 |
| Total domestic deposits to total assets | 4.9191% | 6,921 |
| Equity capital to assets | 27.2373% | 71 |
| Core capital (leverage) ratio | 27.8631% | 64 |
| Tier 1 risk-based capital ratio | 27.1542% | 680 |
| Total risk-based capital ratio | 28.4221% | 667 |
| Memoranda: | ||
| Average total assets | $15,780,361,330 | 77 |
| Average earning assets | $15,346,348,000 | 72 |
| Average equity | $4,173,142,670 | 46 |
| Average total loans | $15,616,339,330 | 52 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.5341% | 36 |
| Cost of funding earning assets | 0.7557% | 1,799 |
| Net interest margin | 7.7783% | 33 |
| Noninterest income to average assets | 3.9823% | 187 |
| Noninterest expense to average assets | 4.0199% | 863 |
| Loan and lease loss provision to assets | 1.8687% | 65 |
| Net operating income to assets | 3.5595% | 78 |
| Return on assets (ROA) | 3.5595% | 83 |
| Pretax return on assets | 5.6584% | 54 |
| Return on Equity (ROE) | 13.6661% | 1,020 |
| Retained earnings to average equity (ytd only) | 13.6661% | 482 |
| Net charge-offs to loans | 2.2061% | 205 |
| Credit loss provision to net charge-offs | 85.5886% | 2,091 |
| Earnings coverage of net charge-offs (x) | 3.4475% | 2,764 |
| Efficiency ratio | 34.8134% | 6,927 |
| Assets per employee ($millions) | 104.4331% | 19 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9076% | 728 |
| Loan loss allowance to noncurrent loans | 261.9560% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 1.0968% | 3,738 |
| Noncurrent loans to loans | 1.1099% | 3,930 |
| Net loans and leases to total assets | 95.9399% | 2 |
| Net loans and leases to deposits | 1,888.9846% | 6 |
| Net loans and leases to core deposits | 42,245.4261% | 3 |
| Total domestic deposits to total assets | 5.0789% | 6,997 |
| Equity capital to assets | 26.9808% | 76 |
| Core capital (leverage) ratio | 26.7402% | 70 |
| Tier 1 risk-based capital ratio | 26.9331% | 715 |
| Total risk-based capital ratio | 28.2031% | 701 |
| Memoranda: | ||
| Average total assets | $15,741,812,500 | 77 |
| Average earning assets | $15,309,622,500 | 71 |
| Average equity | $4,100,143,000 | 47 |
| Average total loans | $15,579,733,500 | 50 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1433% | 48 |
| Cost of funding earning assets | 0.6104% | 4,248 |
| Net interest margin | 7.5329% | 44 |
| Noninterest income to average assets | 4.2624% | 172 |
| Noninterest expense to average assets | 4.1032% | 855 |
| Loan and lease loss provision to assets | 2.2193% | 74 |
| Net operating income to assets | 3.3870% | 84 |
| Return on assets (ROA) | 3.3870% | 86 |
| Pretax return on assets | 5.2817% | 54 |
| Return on Equity (ROE) | 13.6774% | 1,061 |
| Retained earnings to average equity (ytd only) | 13.6774% | 216 |
| Net charge-offs to loans | 2.3110% | 283 |
| Credit loss provision to net charge-offs | 97.4142% | 3,184 |
| Earnings coverage of net charge-offs (x) | 3.2925% | 3,783 |
| Efficiency ratio | 35.3593% | 6,994 |
| Assets per employee ($millions) | 145.7048% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8731% | 755 |
| Loan loss allowance to noncurrent loans | 270.8405% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 1.0515% | 3,929 |
| Noncurrent loans to loans | 1.0608% | 4,092 |
| Net loans and leases to total assets | 96.2744% | 2 |
| Net loans and leases to deposits | 1,987.3521% | 6 |
| Net loans and leases to core deposits | 37,793.6661% | 3 |
| Total domestic deposits to total assets | 4.8444% | 7,061 |
| Equity capital to assets | 25.1449% | 97 |
| Core capital (leverage) ratio | 26.0301% | 84 |
| Tier 1 risk-based capital ratio | 25.1140% | 841 |
| Total risk-based capital ratio | 26.3837% | 824 |
| Memoranda: | ||
| Average total assets | $15,233,059,000 | 76 |
| Average earning assets | $14,846,748,800 | 69 |
| Average equity | $3,772,208,000 | 47 |
| Average total loans | $15,017,116,000 | 50 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1687% | 45 |
| Cost of funding earning assets | 0.5971% | 4,683 |
| Net interest margin | 7.5716% | 42 |
| Noninterest income to average assets | 4.1824% | 177 |
| Noninterest expense to average assets | 4.0737% | 859 |
| Loan and lease loss provision to assets | 2.1754% | 92 |
| Net operating income to assets | 3.3793% | 79 |
| Return on assets (ROA) | 3.3793% | 83 |
| Pretax return on assets | 5.3153% | 54 |
| Return on Equity (ROE) | 13.7027% | 1,172 |
| Retained earnings to average equity (ytd only) | 13.7027% | 325 |
| Net charge-offs to loans | 2.3561% | 269 |
| Credit loss provision to net charge-offs | 93.7931% | 3,181 |
| Earnings coverage of net charge-offs (x) | 3.2297% | 3,738 |
| Efficiency ratio | 35.2264% | 7,080 |
| Assets per employee ($millions) | 177.2983% | 15 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9804% | 726 |
| Loan loss allowance to noncurrent loans | 288.8079% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 1.0200% | 4,242 |
| Noncurrent loans to loans | 1.0320% | 4,386 |
| Net loans and leases to total assets | 95.8977% | 4 |
| Net loans and leases to deposits | 1,832.2446% | 6 |
| Net loans and leases to core deposits | 35,365.3437% | 4 |
| Total domestic deposits to total assets | 5.2339% | 7,165 |
| Equity capital to assets | 25.5463% | 103 |
| Core capital (leverage) ratio | 25.7878% | 92 |
| Tier 1 risk-based capital ratio | 25.4963% | 866 |
| Total risk-based capital ratio | 26.7672% | 852 |
| Memoranda: | ||
| Average total assets | $15,034,442,750 | 77 |
| Average earning assets | $14,658,065,000 | 72 |
| Average equity | $3,707,734,500 | 48 |
| Average total loans | $14,799,685,000 | 51 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0738% | 47 |
| Cost of funding earning assets | 0.6128% | 4,782 |
| Net interest margin | 7.4610% | 43 |
| Noninterest income to average assets | 4.0823% | 176 |
| Noninterest expense to average assets | 3.7156% | 1,343 |
| Loan and lease loss provision to assets | 2.1815% | 119 |
| Net operating income to assets | 3.5265% | 76 |
| Return on assets (ROA) | 3.5265% | 75 |
| Pretax return on assets | 5.4731% | 53 |
| Return on Equity (ROE) | 14.4758% | 1,019 |
| Retained earnings to average equity (ytd only) | 14.4758% | 310 |
| Net charge-offs to loans | 2.4361% | 297 |
| Credit loss provision to net charge-offs | 91.0986% | 3,008 |
| Earnings coverage of net charge-offs (x) | 3.1965% | 3,460 |
| Efficiency ratio | 32.6786% | 7,156 |
| Assets per employee ($millions) | 381.0545% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0377% | 748 |
| Loan loss allowance to noncurrent loans | 406.1666% | 898 |
| Noncurrent assets plus other real estate owned to assets | 0.7446% | 4,937 |
| Noncurrent loans to loans | 0.7479% | 5,012 |
| Net loans and leases to total assets | 96.5396% | 3 |
| Net loans and leases to deposits | 1,844.8852% | 6 |
| Net loans and leases to core deposits | 32,849.1792% | 4 |
| Total domestic deposits to total assets | 5.2328% | 7,234 |
| Equity capital to assets | 25.4220% | 99 |
| Core capital (leverage) ratio | 25.8032% | 91 |
| Tier 1 risk-based capital ratio | 25.4009% | 862 |
| Total risk-based capital ratio | 26.6728% | 843 |
| Memoranda: | ||
| Average total assets | $14,963,372,330 | 77 |
| Average earning assets | $14,616,199,670 | 72 |
| Average equity | $3,645,241,000 | 48 |
| Average total loans | $14,709,134,000 | 52 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0836% | 48 |
| Cost of funding earning assets | 0.6446% | 4,778 |
| Net interest margin | 7.4390% | 47 |
| Noninterest income to average assets | 3.8524% | 178 |
| Noninterest expense to average assets | 3.6352% | 1,490 |
| Loan and lease loss provision to assets | 2.2114% | 123 |
| Net operating income to assets | 3.4473% | 85 |
| Return on assets (ROA) | 3.4473% | 94 |
| Pretax return on assets | 5.2701% | 58 |
| Return on Equity (ROE) | 14.4625% | 1,084 |
| Retained earnings to average equity (ytd only) | 14.4625% | 513 |
| Net charge-offs to loans | 2.5666% | 317 |
| Credit loss provision to net charge-offs | 88.2108% | 2,586 |
| Earnings coverage of net charge-offs (x) | 2.9843% | 2,998 |
| Efficiency ratio | 32.7004% | 7,214 |
| Assets per employee ($millions) | 351.1776% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1598% | 711 |
| Loan loss allowance to noncurrent loans | 390.2037% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 4,969 |
| Noncurrent loans to loans | 0.8098% | 5,056 |
| Net loans and leases to total assets | 94.4023% | 7 |
| Net loans and leases to deposits | 1,875.1344% | 6 |
| Net loans and leases to core deposits | 31,840.4505% | 3 |
| Total domestic deposits to total assets | 5.0344% | 7,295 |
| Equity capital to assets | 24.7030% | 100 |
| Core capital (leverage) ratio | 24.8717% | 99 |
| Tier 1 risk-based capital ratio | 25.0679% | 901 |
| Total risk-based capital ratio | 26.3411% | 884 |
| Memoranda: | ||
| Average total assets | $15,014,495,500 | 76 |
| Average earning assets | $14,661,955,000 | 71 |
| Average equity | $3,578,861,000 | 48 |
| Average total loans | $14,665,527,500 | 55 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0533% | 52 |
| Cost of funding earning assets | 0.6679% | 5,726 |
| Net interest margin | 7.3854% | 41 |
| Noninterest income to average assets | 4.0824% | 150 |
| Noninterest expense to average assets | 3.7495% | 1,443 |
| Loan and lease loss provision to assets | 2.0987% | 264 |
| Net operating income to assets | 3.5245% | 63 |
| Return on assets (ROA) | 3.5245% | 65 |
| Pretax return on assets | 5.4586% | 55 |
| Return on Equity (ROE) | 15.5807% | 667 |
| Retained earnings to average equity (ytd only) | 15.5807% | 112 |
| Net charge-offs to loans | 2.7312% | 394 |
| Credit loss provision to net charge-offs | 77.3429% | 4,583 |
| Earnings coverage of net charge-offs (x) | 2.7851% | 3,829 |
| Efficiency ratio | 33.1614% | 7,272 |
| Assets per employee ($millions) | 402.0929% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1125% | 739 |
| Loan loss allowance to noncurrent loans | 363.2969% | 920 |
| Noncurrent assets plus other real estate owned to assets | 0.8384% | 4,945 |
| Noncurrent loans to loans | 0.8567% | 4,977 |
| Net loans and leases to total assets | 94.8163% | 5 |
| Net loans and leases to deposits | 1,982.4122% | 7 |
| Net loans and leases to core deposits | 32,483.1570% | 5 |
| Total domestic deposits to total assets | 4.7829% | 7,340 |
| Equity capital to assets | 22.9991% | 131 |
| Core capital (leverage) ratio | 24.1327% | 111 |
| Tier 1 risk-based capital ratio | 23.3135% | 1,065 |
| Total risk-based capital ratio | 24.5862% | 1,039 |
| Memoranda: | ||
| Average total assets | $14,392,347,600 | 77 |
| Average earning assets | $14,078,444,800 | 73 |
| Average equity | $3,255,719,000 | 51 |
| Average total loans | $14,299,169,000 | 53 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0850% | 50 |
| Cost of funding earning assets | 0.6897% | 5,828 |
| Net interest margin | 7.3953% | 40 |
| Noninterest income to average assets | 4.0632% | 153 |
| Noninterest expense to average assets | 3.7242% | 1,446 |
| Loan and lease loss provision to assets | 1.6631% | 384 |
| Net operating income to assets | 3.8026% | 63 |
| Return on assets (ROA) | 3.8026% | 65 |
| Pretax return on assets | 5.9106% | 53 |
| Return on Equity (ROE) | 16.8860% | 578 |
| Retained earnings to average equity (ytd only) | 16.8860% | 146 |
| Net charge-offs to loans | 2.7593% | 370 |
| Credit loss provision to net charge-offs | 60.4204% | 4,804 |
| Earnings coverage of net charge-offs (x) | 2.7515% | 3,755 |
| Efficiency ratio | 32.9637% | 7,339 |
| Assets per employee ($millions) | 468.0622% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0958% | 803 |
| Loan loss allowance to noncurrent loans | 351.3243% | 910 |
| Noncurrent assets plus other real estate owned to assets | 0.8594% | 5,031 |
| Noncurrent loans to loans | 0.8812% | 5,096 |
| Net loans and leases to total assets | 94.5111% | 6 |
| Net loans and leases to deposits | 1,850.8362% | 7 |
| Net loans and leases to core deposits | 31,614.6645% | 6 |
| Total domestic deposits to total assets | 5.1064% | 7,418 |
| Equity capital to assets | 23.5084% | 138 |
| Core capital (leverage) ratio | 23.8864% | 126 |
| Tier 1 risk-based capital ratio | 23.8227% | 1,035 |
| Total risk-based capital ratio | 25.0951% | 1,017 |
| Memoranda: | ||
| Average total assets | $14,170,552,000 | 78 |
| Average earning assets | $13,862,844,750 | 73 |
| Average equity | $3,191,108,250 | 51 |
| Average total loans | $14,135,735,250 | 54 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.0340% | 54 |
| Cost of funding earning assets | 0.7028% | 5,944 |
| Net interest margin | 7.3313% | 44 |
| Noninterest income to average assets | 4.0064% | 168 |
| Noninterest expense to average assets | 3.7089% | 1,513 |
| Loan and lease loss provision to assets | 2.1616% | 268 |
| Net operating income to assets | 3.3477% | 89 |
| Return on assets (ROA) | 3.3477% | 91 |
| Pretax return on assets | 5.3154% | 65 |
| Return on Equity (ROE) | 15.0942% | 790 |
| Retained earnings to average equity (ytd only) | 15.0942% | 244 |
| Net charge-offs to loans | 2.9017% | 367 |
| Credit loss provision to net charge-offs | 74.1096% | 3,942 |
| Earnings coverage of net charge-offs (x) | 2.5634% | 3,546 |
| Efficiency ratio | 33.1569% | 7,417 |
| Assets per employee ($millions) | 536.8207% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5720% | 570 |
| Loan loss allowance to noncurrent loans | 483.8991% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 5,428 |
| Noncurrent loans to loans | 0.7382% | 5,439 |
| Net loans and leases to total assets | 96.8652% | 2 |
| Net loans and leases to deposits | 1,864.9656% | 8 |
| Net loans and leases to core deposits | 35,440.4084% | 6 |
| Total domestic deposits to total assets | 5.1939% | 7,493 |
| Equity capital to assets | 23.2294% | 149 |
| Core capital (leverage) ratio | 23.3611% | 138 |
| Tier 1 risk-based capital ratio | 23.1969% | 1,090 |
| Total risk-based capital ratio | 24.4757% | 1,071 |
| Memoranda: | ||
| Average total assets | $14,057,426,330 | 80 |
| Average earning assets | $13,766,382,330 | 76 |
| Average equity | $3,117,795,000 | 52 |
| Average total loans | $14,130,445,330 | 55 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.1039% | 54 |
| Cost of funding earning assets | 0.7166% | 6,046 |
| Net interest margin | 7.3874% | 47 |
| Noninterest income to average assets | 3.7364% | 175 |
| Noninterest expense to average assets | 3.5123% | 1,971 |
| Loan and lease loss provision to assets | 2.8075% | 172 |
| Net operating income to assets | 2.7612% | 138 |
| Return on assets (ROA) | 2.7612% | 143 |
| Pretax return on assets | 4.6459% | 81 |
| Return on Equity (ROE) | 12.7484% | 1,261 |
| Retained earnings to average equity (ytd only) | 12.7484% | 627 |
| Net charge-offs to loans | 3.0595% | 354 |
| Credit loss provision to net charge-offs | 91.2590% | 2,920 |
| Earnings coverage of net charge-offs (x) | 2.4228% | 3,108 |
| Efficiency ratio | 32.0302% | 7,484 |
| Assets per employee ($millions) | 550.8181% | 8 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9375% | 435 |
| Loan loss allowance to noncurrent loans | 459.2019% | 690 |
| Noncurrent assets plus other real estate owned to assets | 0.8610% | 5,184 |
| Noncurrent loans to loans | 0.8575% | 5,329 |
| Net loans and leases to total assets | 96.4529% | 4 |
| Net loans and leases to deposits | 1,867.1563% | 7 |
| Net loans and leases to core deposits | 32,590.6610% | 7 |
| Total domestic deposits to total assets | 5.1658% | 7,557 |
| Equity capital to assets | 22.5431% | 156 |
| Core capital (leverage) ratio | 22.1175% | 157 |
| Tier 1 risk-based capital ratio | 22.5198% | 1,143 |
| Total risk-based capital ratio | 23.8020% | 1,115 |
| Memoranda: | ||
| Average total assets | $14,107,470,500 | 80 |
| Average earning assets | $13,805,524,000 | 76 |
| Average equity | $3,055,591,500 | 52 |
| Average total loans | $14,185,354,000 | 55 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3311% | 55 |
| Cost of funding earning assets | 0.2627% | 7,526 |
| Net interest margin | 8.0685% | 36 |
| Noninterest income to average assets | 4.0451% | 165 |
| Noninterest expense to average assets | 3.6904% | 1,722 |
| Loan and lease loss provision to assets | 3.0772% | 300 |
| Net operating income to assets | 3.2291% | 63 |
| Return on assets (ROA) | 3.2291% | 65 |
| Pretax return on assets | 5.1471% | 49 |
| Return on Equity (ROE) | 15.2252% | 686 |
| Retained earnings to average equity (ytd only) | 15.2252% | 115 |
| Net charge-offs to loans | 3.4872% | 408 |
| Credit loss provision to net charge-offs | 88.4865% | 5,185 |
| Earnings coverage of net charge-offs (x) | 2.3649% | 3,962 |
| Efficiency ratio | 30.9739% | 7,582 |
| Assets per employee ($millions) | 2,407.4148% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8084% | 467 |
| Loan loss allowance to noncurrent loans | 400.3035% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.9579% | 5,097 |
| Noncurrent loans to loans | 0.9514% | 5,147 |
| Net loans and leases to total assets | 96.8563% | 2 |
| Net loans and leases to deposits | 1,989.5242% | 9 |
| Net loans and leases to core deposits | 39,773.6859% | 5 |
| Total domestic deposits to total assets | 4.8683% | 7,636 |
| Equity capital to assets | 20.8169% | 216 |
| Core capital (leverage) ratio | 21.2229% | 189 |
| Tier 1 risk-based capital ratio | 20.6614% | 1,368 |
| Total risk-based capital ratio | 21.9429% | 1,346 |
| Memoranda: | ||
| Average total assets | $13,205,936,400 | 85 |
| Average earning assets | $12,880,323,600 | 77 |
| Average equity | $2,800,859,000 | 53 |
| Average total loans | $13,169,503,200 | 61 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.4895% | 53 |
| Cost of funding earning assets | 0.2834% | 7,643 |
| Net interest margin | 8.2060% | 37 |
| Noninterest income to average assets | 4.0321% | 171 |
| Noninterest expense to average assets | 3.6611% | 1,648 |
| Loan and lease loss provision to assets | 3.0768% | 276 |
| Net operating income to assets | 3.3998% | 59 |
| Return on assets (ROA) | 3.3998% | 63 |
| Pretax return on assets | 5.2845% | 49 |
| Return on Equity (ROE) | 15.9474% | 709 |
| Retained earnings to average equity (ytd only) | 15.9474% | 168 |
| Net charge-offs to loans | 3.6319% | 364 |
| Credit loss provision to net charge-offs | 85.1806% | 4,954 |
| Earnings coverage of net charge-offs (x) | 2.3148% | 4,008 |
| Efficiency ratio | 30.4523% | 7,682 |
| Assets per employee ($millions) | 2,322.5552% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9450% | 385 |
| Loan loss allowance to noncurrent loans | 422.9925% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.9415% | 5,215 |
| Noncurrent loans to loans | 0.9326% | 5,367 |
| Net loans and leases to total assets | 96.9738% | 2 |
| Net loans and leases to deposits | 1,956.8557% | 8 |
| Net loans and leases to core deposits | 43,557.1797% | 6 |
| Total domestic deposits to total assets | 4.9556% | 7,739 |
| Equity capital to assets | 20.8562% | 237 |
| Core capital (leverage) ratio | 20.8544% | 213 |
| Tier 1 risk-based capital ratio | 20.6770% | 1,415 |
| Total risk-based capital ratio | 21.9604% | 1,388 |
| Memoranda: | ||
| Average total assets | $12,896,298,250 | 86 |
| Average earning assets | $12,557,117,000 | 77 |
| Average equity | $2,749,349,000 | 54 |
| Average total loans | $12,825,805,500 | 64 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6615% | 53 |
| Cost of funding earning assets | 0.3108% | 7,709 |
| Net interest margin | 8.3507% | 38 |
| Noninterest income to average assets | 4.0201% | 167 |
| Noninterest expense to average assets | 3.7627% | 1,432 |
| Loan and lease loss provision to assets | 3.7735% | 214 |
| Net operating income to assets | 2.9360% | 88 |
| Return on assets (ROA) | 2.9360% | 89 |
| Pretax return on assets | 4.5945% | 60 |
| Return on Equity (ROE) | 13.6620% | 1,108 |
| Retained earnings to average equity (ytd only) | 13.6620% | 329 |
| Net charge-offs to loans | 3.9247% | 336 |
| Credit loss provision to net charge-offs | 97.2183% | 4,203 |
| Earnings coverage of net charge-offs (x) | 2.1559% | 3,942 |
| Efficiency ratio | 31.0181% | 7,737 |
| Assets per employee ($millions) | 2,293.9575% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3187% | 292 |
| Loan loss allowance to noncurrent loans | 463.2310% | 695 |
| Noncurrent assets plus other real estate owned to assets | 0.9411% | 5,250 |
| Noncurrent loans to loans | 0.9323% | 5,427 |
| Net loans and leases to total assets | 96.5809% | 4 |
| Net loans and leases to deposits | 1,991.9702% | 8 |
| Net loans and leases to core deposits | 46,538.1389% | 5 |
| Total domestic deposits to total assets | 4.8485% | 7,808 |
| Equity capital to assets | 20.0655% | 282 |
| Core capital (leverage) ratio | 20.3483% | 227 |
| Tier 1 risk-based capital ratio | 19.8670% | 1,536 |
| Total risk-based capital ratio | 21.1549% | 1,495 |
| Memoranda: | ||
| Average total assets | $12,549,954,000 | 83 |
| Average earning assets | $12,188,981,000 | 79 |
| Average equity | $2,697,004,330 | 54 |
| Average total loans | $12,411,535,670 | 63 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 9.1354% | 50 |
| Cost of funding earning assets | 0.4066% | 7,768 |
| Net interest margin | 8.7288% | 40 |
| Noninterest income to average assets | 3.6848% | 179 |
| Noninterest expense to average assets | 4.0275% | 989 |
| Loan and lease loss provision to assets | 4.3121% | 191 |
| Net operating income to assets | 2.4796% | 154 |
| Return on assets (ROA) | 2.4796% | 170 |
| Pretax return on assets | 3.8040% | 82 |
| Return on Equity (ROE) | 11.1136% | 1,752 |
| Retained earnings to average equity (ytd only) | 11.1136% | 896 |
| Net charge-offs to loans | 4.2737% | 305 |
| Credit loss provision to net charge-offs | 103.2536% | 3,313 |
| Earnings coverage of net charge-offs (x) | 1.9434% | 3,567 |
| Efficiency ratio | 33.1656% | 7,824 |
| Assets per employee ($millions) | 2,228.2928% | 3 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5325% | 250 |
| Loan loss allowance to noncurrent loans | 381.2053% | 821 |
| Noncurrent assets plus other real estate owned to assets | 1.1985% | 4,776 |
| Noncurrent loans to loans | 1.1890% | 4,984 |
| Net loans and leases to total assets | 96.2313% | 6 |
| Net loans and leases to deposits | 2,033.2841% | 11 |
| Net loans and leases to core deposits | 4,782.7165% | 22 |
| Total domestic deposits to total assets | 4.7328% | 7,908 |
| Equity capital to assets | 19.8326% | 298 |
| Core capital (leverage) ratio | 19.5743% | 277 |
| Tier 1 risk-based capital ratio | 19.6838% | 1,586 |
| Total risk-based capital ratio | 20.9743% | 1,542 |
| Memoranda: | ||
| Average total assets | $11,943,058,500 | 87 |
| Average earning assets | $11,573,724,000 | 80 |
| Average equity | $2,664,622,000 | 53 |
| Average total loans | $11,670,726,500 | 64 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7087% | 105 |
| Cost of funding earning assets | 0.3827% | 7,879 |
| Net interest margin | 7.3259% | 44 |
| Noninterest income to average assets | 7.7828% | 91 |
| Noninterest expense to average assets | 6.1858% | 290 |
| Loan and lease loss provision to assets | 5.7829% | 126 |
| Net operating income to assets | 1.6929% | 450 |
| Return on assets (ROA) | 1.6929% | 477 |
| Pretax return on assets | 2.9458% | 104 |
| Return on Equity (ROE) | 5.2475% | 3,563 |
| Retained earnings to average equity (ytd only) | 5.2475% | 1,699 |
| Net charge-offs to loans | 3.6115% | 524 |
| Credit loss provision to net charge-offs | 168.4110% | 2,553 |
| Earnings coverage of net charge-offs (x) | 2.5420% | 3,853 |
| Efficiency ratio | 41.4751% | 7,839 |
| Assets per employee ($millions) | 1,752.7267% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3668% | 276 |
| Loan loss allowance to noncurrent loans | 336.6429% | 958 |
| Noncurrent assets plus other real estate owned to assets | 1.2168% | 4,661 |
| Noncurrent loans to loans | 1.2972% | 4,761 |
| Net loans and leases to total assets | 89.7074% | 93 |
| Net loans and leases to deposits | 1,591.1225% | 14 |
| Net loans and leases to core deposits | 13,209.8633% | 8 |
| Total domestic deposits to total assets | 5.6380% | 7,984 |
| Equity capital to assets | 25.4620% | 150 |
| Core capital (leverage) ratio | 26.7843% | 135 |
| Tier 1 risk-based capital ratio | 23.3185% | 1,005 |
| Total risk-based capital ratio | 24.5994% | 985 |
| Memoranda: | ||
| Average total assets | $8,121,259,600 | 126 |
| Average earning assets | $7,905,954,000 | 114 |
| Average equity | $2,619,994,400 | 52 |
| Average total loans | $7,721,617,800 | 95 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6747% | 110 |
| Cost of funding earning assets | 0.4276% | 7,967 |
| Net interest margin | 7.2472% | 45 |
| Noninterest income to average assets | 8.8601% | 81 |
| Noninterest expense to average assets | 6.5024% | 246 |
| Loan and lease loss provision to assets | 5.9766% | 110 |
| Net operating income to assets | 1.7817% | 468 |
| Return on assets (ROA) | 1.7817% | 495 |
| Pretax return on assets | 3.4573% | 71 |
| Return on Equity (ROE) | 5.1439% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.1439% | 2,405 |
| Net charge-offs to loans | 3.5955% | 412 |
| Credit loss provision to net charge-offs | 174.0109% | 2,663 |
| Earnings coverage of net charge-offs (x) | 2.7467% | 3,854 |
| Efficiency ratio | 40.8022% | 7,909 |
| Assets per employee ($millions) | 1,629.8900% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1056% | 275 |
| Loan loss allowance to noncurrent loans | 345.3199% | 891 |
| Noncurrent assets plus other real estate owned to assets | 1.1354% | 4,801 |
| Noncurrent loans to loans | 1.1889% | 4,959 |
| Net loans and leases to total assets | 91.5762% | 67 |
| Net loans and leases to deposits | 1,500.1804% | 13 |
| Net loans and leases to core deposits | 12,550.3482% | 8 |
| Total domestic deposits to total assets | 6.1043% | 8,071 |
| Equity capital to assets | 27.0029% | 151 |
| Core capital (leverage) ratio | 28.9566% | 131 |
| Tier 1 risk-based capital ratio | 24.3544% | 969 |
| Total risk-based capital ratio | 25.6326% | 944 |
| Memoranda: | ||
| Average total assets | $7,522,484,500 | 136 |
| Average earning assets | $7,345,005,500 | 128 |
| Average equity | $2,605,574,750 | 54 |
| Average total loans | $7,185,839,500 | 102 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3126% | 198 |
| Cost of funding earning assets | 0.4714% | 8,048 |
| Net interest margin | 6.8412% | 59 |
| Noninterest income to average assets | 10.4278% | 73 |
| Noninterest expense to average assets | 6.9463% | 223 |
| Loan and lease loss provision to assets | 3.8622% | 336 |
| Net operating income to assets | 3.3160% | 46 |
| Return on assets (ROA) | 3.3160% | 50 |
| Pretax return on assets | 6.3080% | 30 |
| Return on Equity (ROE) | 8.6550% | 2,496 |
| Retained earnings to average equity (ytd only) | 8.6550% | 1,022 |
| Net charge-offs to loans | 3.5404% | 438 |
| Credit loss provision to net charge-offs | 114.1837% | 4,059 |
| Earnings coverage of net charge-offs (x) | 3.0068% | 3,609 |
| Efficiency ratio | 40.5826% | 8,009 |
| Assets per employee ($millions) | 1,154.2702% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9136% | 279 |
| Loan loss allowance to noncurrent loans | 314.9111% | 995 |
| Noncurrent assets plus other real estate owned to assets | 1.1749% | 4,592 |
| Noncurrent loans to loans | 1.2428% | 4,725 |
| Net loans and leases to total assets | 90.8397% | 99 |
| Net loans and leases to deposits | 1,045.2760% | 16 |
| Net loans and leases to core deposits | 8,511.4158% | 9 |
| Total domestic deposits to total assets | 8.6905% | 8,163 |
| Equity capital to assets | 38.2989% | 92 |
| Core capital (leverage) ratio | 39.5271% | 92 |
| Tier 1 risk-based capital ratio | 29.6733% | 621 |
| Total risk-based capital ratio | 30.9432% | 610 |
| Memoranda: | ||
| Average total assets | $6,770,199,330 | 149 |
| Average earning assets | $6,619,212,330 | 139 |
| Average equity | $2,593,863,000 | 56 |
| Average total loans | $6,468,129,000 | 110 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4416% | 177 |
| Cost of funding earning assets | 0.4802% | 8,106 |
| Net interest margin | 6.9615% | 57 |
| Noninterest income to average assets | 7.9504% | 81 |
| Noninterest expense to average assets | 6.4837% | 237 |
| Loan and lease loss provision to assets | 3.8522% | 250 |
| Net operating income to assets | 2.9151% | 75 |
| Return on assets (ROA) | 2.9151% | 91 |
| Pretax return on assets | 4.4358% | 50 |
| Return on Equity (ROE) | 7.6073% | 3,327 |
| Retained earnings to average equity (ytd only) | 7.6073% | 1,975 |
| Net charge-offs to loans | 3.3882% | 364 |
| Credit loss provision to net charge-offs | 118.3648% | 3,310 |
| Earnings coverage of net charge-offs (x) | 2.5466% | 3,477 |
| Efficiency ratio | 43.8926% | 7,931 |
| Assets per employee ($millions) | 1,078.7575% | 7 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0479% | 212 |
| Loan loss allowance to noncurrent loans | 272.7322% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 1.4162% | 3,815 |
| Noncurrent loans to loans | 1.4842% | 4,071 |
| Net loans and leases to total assets | 91.5559% | 75 |
| Net loans and leases to deposits | 985.8376% | 16 |
| Net loans and leases to core deposits | 7,631.2849% | 9 |
| Total domestic deposits to total assets | 9.2871% | 8,215 |
| Equity capital to assets | 39.9991% | 93 |
| Core capital (leverage) ratio | 38.6705% | 99 |
| Tier 1 risk-based capital ratio | 32.5274% | 508 |
| Total risk-based capital ratio | 33.8008% | 499 |
| Memoranda: | ||
| Average total assets | $6,692,488,500 | 152 |
| Average earning assets | $6,557,771,000 | 143 |
| Average equity | $2,564,575,500 | 57 |
| Average total loans | $6,428,467,000 | 115 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8313% | 1,582 |
| Cost of funding earning assets | 1.3163% | 7,831 |
| Net interest margin | 5.5149% | 201 |
| Noninterest income to average assets | 5.5935% | 113 |
| Noninterest expense to average assets | 7.5057% | 256 |
| Loan and lease loss provision to assets | 3.0707% | 296 |
| Net operating income to assets | 0.1770% | 5,920 |
| Return on assets (ROA) | 0.8029% | 3,260 |
| Pretax return on assets | 1.3568% | 2,106 |
| Return on Equity (ROE) | 2.0149% | 5,616 |
| Retained earnings to average equity (ytd only) | 2.0149% | 3,977 |
| Net charge-offs to loans | 2.7517% | 340 |
| Credit loss provision to net charge-offs | 115.9551% | 4,655 |
| Earnings coverage of net charge-offs (x) | 1.3026% | 5,475 |
| Efficiency ratio | 68.5122% | 4,628 |
| Assets per employee ($millions) | 1,152.0720% | 6 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5923% | 260 |
| Loan loss allowance to noncurrent loans | 272.6034% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 1.2736% | 3,676 |
| Noncurrent loans to loans | 1.3178% | 3,876 |
| Net loans and leases to total assets | 93.1790% | 50 |
| Net loans and leases to deposits | 1,222.2052% | 13 |
| Net loans and leases to core deposits | 10,293.1458% | 9 |
| Total domestic deposits to total assets | 7.6238% | 8,272 |
| Equity capital to assets | 36.7481% | 118 |
| Core capital (leverage) ratio | 38.2210% | 121 |
| Tier 1 risk-based capital ratio | 30.1562% | 634 |
| Total risk-based capital ratio | 31.4260% | 613 |
| Memoranda: | ||
| Average total assets | $6,380,707,600 | 153 |
| Average earning assets | $6,203,429,000 | 146 |
| Average equity | $2,542,643,200 | 58 |
| Average total loans | $6,140,792,200 | 117 |