Home > Bank of Oak Ridge > Performance and Condition Ratios
Bank of Oak Ridge, 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 | 5.5651% | 1,084 |
| Cost of funding earning assets | 2.0387% | 869 |
| Net interest margin | 3.5264% | 2,131 |
| Noninterest income to average assets | 4.5500% | 131 |
| Noninterest expense to average assets | 4.2801% | 309 |
| Loan and lease loss provision to assets | 0.1400% | 913 |
| Net operating income to assets | 3.4495% | 127 |
| Return on assets (ROA) | 3.4495% | 124 |
| Pretax return on assets | 3.4495% | 150 |
| Return on Equity (ROE) | 24.1800% | 348 |
| Retained earnings to average equity (ytd only) | 14.8062% | 333 |
| Net charge-offs to loans | 0.0275% | 1,763 |
| Credit loss provision to net charge-offs | 640.0000% | 563 |
| Earnings coverage of net charge-offs (x) | 167.3500% | 663 |
| Efficiency ratio | 54.4068% | 3,646 |
| Assets per employee ($millions) | 6.0236% | 2,801 |
| Cash dividends to net income (ytd only)* | 38.7698% | 2,164 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9976% | 3,324 |
| 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 | 73.1700% | 1,455 |
| Net loans and leases to deposits | 87.2746% | 1,508 |
| Net loans and leases to core deposits | 105.1445% | 1,155 |
| Total domestic deposits to total assets | 83.8400% | 2,664 |
| Equity capital to assets | 13.9198% | 701 |
| Core capital (leverage) ratio | 13.9577% | 814 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0300% | 688 |
| Memoranda: | ||
| Average total assets | $93,316,600 | 3,884 |
| Average earning assets | $87,851,200 | 3,850 |
| Average equity | $13,312,000 | 3,393 |
| Average total loans | $72,765,200 | 3,514 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2799% | 1,312 |
| Cost of funding earning assets | 1.8135% | 988 |
| Net interest margin | 3.4664% | 2,289 |
| Noninterest income to average assets | 5.5400% | 118 |
| Noninterest expense to average assets | 3.7665% | 431 |
| Loan and lease loss provision to assets | 0.0900% | 1,295 |
| Net operating income to assets | 4.9703% | 79 |
| Return on assets (ROA) | 4.9703% | 79 |
| Pretax return on assets | 4.9703% | 96 |
| Return on Equity (ROE) | 34.6100% | 164 |
| Retained earnings to average equity (ytd only) | 34.6057% | 59 |
| Net charge-offs to loans | 0.0000% | 2,666 |
| Credit loss provision to net charge-offs | 0.0000% | 2,098 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
| Efficiency ratio | 42.6605% | 4,289 |
| Assets per employee ($millions) | 6.8211% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9405% | 3,592 |
| Loan loss allowance to noncurrent loans | 190.1070% | 2,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3655% | 1,571 |
| Noncurrent loans to loans | 0.4947% | 1,579 |
| Net loans and leases to total assets | 73.1900% | 1,448 |
| Net loans and leases to deposits | 88.9175% | 1,310 |
| Net loans and leases to core deposits | 106.1894% | 1,007 |
| Total domestic deposits to total assets | 82.3200% | 3,157 |
| Equity capital to assets | 15.2068% | 513 |
| Core capital (leverage) ratio | 16.8375% | 422 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.3114% | 468 |
| Memoranda: | ||
| Average total assets | $91,045,500 | 3,921 |
| Average earning assets | $86,388,750 | 3,876 |
| Average equity | $13,076,500 | 3,413 |
| Average total loans | $72,036,000 | 3,527 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2340% | 1,168 |
| Cost of funding earning assets | 1.5733% | 1,121 |
| Net interest margin | 3.6607% | 1,898 |
| Noninterest income to average assets | 0.0900% | 4,358 |
| Noninterest expense to average assets | 3.3200% | 674 |
| Loan and lease loss provision to assets | 0.1400% | 795 |
| Net operating income to assets | 0.0985% | 4,362 |
| Return on assets (ROA) | 0.0985% | 4,395 |
| Pretax return on assets | 0.0985% | 4,398 |
| Return on Equity (ROE) | 0.7000% | 4,392 |
| Retained earnings to average equity (ytd only) | 0.7021% | 3,959 |
| Net charge-offs to loans | 0.0000% | 2,455 |
| Credit loss provision to net charge-offs | 0.0000% | 1,862 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
| Efficiency ratio | 93.1833% | 282 |
| Assets per employee ($millions) | 5.1409% | 3,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9504% | 3,622 |
| Loan loss allowance to noncurrent loans | 195.3297% | 2,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3934% | 1,356 |
| Noncurrent loans to loans | 0.4866% | 1,500 |
| Net loans and leases to total assets | 80.0800% | 617 |
| Net loans and leases to deposits | 99.1490% | 558 |
| Net loans and leases to core deposits | 111.7022% | 758 |
| Total domestic deposits to total assets | 80.7600% | 3,464 |
| Equity capital to assets | 13.2207% | 768 |
| Core capital (leverage) ratio | 14.0556% | 760 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.5691% | 872 |
| Memoranda: | ||
| Average total assets | $87,288,667 | 3,975 |
| Average earning assets | $82,881,000 | 3,922 |
| Average equity | $12,249,000 | 3,516 |
| Average total loans | $70,848,000 | 3,546 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1285% | 1,054 |
| Cost of funding earning assets | 1.1946% | 1,466 |
| Net interest margin | 3.9338% | 1,398 |
| Noninterest income to average assets | 0.0900% | 4,407 |
| Noninterest expense to average assets | 3.3307% | 668 |
| Loan and lease loss provision to assets | 0.2000% | 511 |
| Net operating income to assets | 0.2847% | 4,268 |
| Return on assets (ROA) | 0.2847% | 4,232 |
| Pretax return on assets | 0.2847% | 4,274 |
| Return on Equity (ROE) | 1.9600% | 4,312 |
| Retained earnings to average equity (ytd only) | 1.9581% | 3,712 |
| Net charge-offs to loans | 0.0000% | 2,062 |
| Credit loss provision to net charge-offs | 0.0000% | 1,422 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
| Efficiency ratio | 87.2050% | 459 |
| Assets per employee ($millions) | 5.3773% | 3,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 3,640 |
| Loan loss allowance to noncurrent loans | 186.4865% | 2,734 |
| Noncurrent assets plus other real estate owned to assets | 0.4300% | 1,200 |
| Noncurrent loans to loans | 0.5191% | 1,425 |
| Net loans and leases to total assets | 82.0400% | 375 |
| Net loans and leases to deposits | 98.1341% | 531 |
| Net loans and leases to core deposits | 106.4923% | 819 |
| Total domestic deposits to total assets | 83.6000% | 3,173 |
| Equity capital to assets | 14.3229% | 550 |
| Core capital (leverage) ratio | 14.7736% | 613 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $84,306,500 | 4,060 |
| Average earning assets | $80,024,000 | 4,018 |
| Average equity | $12,256,500 | 3,553 |
| Average total loans | $68,866,000 | 3,626 |
| 2022-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1527% | 1,345 |
| Cost of funding earning assets | 0.2358% | 3,454 |
| Net interest margin | 3.9169% | 921 |
| Noninterest income to average assets | 0.0900% | 4,461 |
| Noninterest expense to average assets | 3.3559% | 575 |
| Loan and lease loss provision to assets | 0.1600% | 727 |
| Net operating income to assets | 0.2343% | 4,426 |
| Return on assets (ROA) | 0.2343% | 4,402 |
| Pretax return on assets | 0.2343% | 4,418 |
| Return on Equity (ROE) | 1.5200% | 4,430 |
| Retained earnings to average equity (ytd only) | 0.5446% | 4,265 |
| Net charge-offs to loans | 0.0000% | 2,620 |
| Credit loss provision to net charge-offs | 0.0000% | 1,979 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
| Efficiency ratio | 89.5053% | 316 |
| Assets per employee ($millions) | 5.1610% | 3,549 |
| Cash dividends to net income (ytd only)* | 64.1711% | 827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9735% | 3,499 |
| Loan loss allowance to noncurrent loans | 171.6180% | 2,831 |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 1,111 |
| Noncurrent loans to loans | 0.5673% | 1,313 |
| Net loans and leases to total assets | 79.7000% | 627 |
| Net loans and leases to deposits | 95.8856% | 649 |
| Net loans and leases to core deposits | 103.3139% | 844 |
| Total domestic deposits to total assets | 83.1200% | 3,393 |
| Equity capital to assets | 14.7622% | 493 |
| Core capital (leverage) ratio | 15.5360% | 508 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 20.0097% | 719 |
| Memoranda: | ||
| Average total assets | $79,799,800 | 4,137 |
| Average earning assets | $74,625,800 | 4,102 |
| Average equity | $12,302,400 | 3,644 |
| Average total loans | $58,157,800 | 3,765 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 1,388 |
| Cost of funding earning assets | 0.1806% | 3,511 |
| Net interest margin | 3.7586% | 1,018 |
| Noninterest income to average assets | 0.0900% | 4,493 |
| Noninterest expense to average assets | 3.2327% | 655 |
| Loan and lease loss provision to assets | 0.1500% | 657 |
| Net operating income to assets | 0.2157% | 4,462 |
| Return on assets (ROA) | 0.2157% | 4,429 |
| Pretax return on assets | 0.2157% | 4,451 |
| Return on Equity (ROE) | 1.3800% | 4,465 |
| Retained earnings to average equity (ytd only) | 1.3841% | 4,160 |
| Net charge-offs to loans | 0.0000% | 2,349 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 89.9203% | 322 |
| Assets per employee ($millions) | 4.8328% | 3,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9781% | 3,586 |
| Loan loss allowance to noncurrent loans | 155.6410% | 2,990 |
| Noncurrent assets plus other real estate owned to assets | 0.5044% | 1,089 |
| Noncurrent loans to loans | 0.6284% | 1,294 |
| Net loans and leases to total assets | 79.4700% | 574 |
| Net loans and leases to deposits | 96.9794% | 498 |
| Net loans and leases to core deposits | 106.6987% | 569 |
| Total domestic deposits to total assets | 81.9500% | 3,847 |
| Equity capital to assets | 15.8151% | 383 |
| Core capital (leverage) ratio | 16.9506% | 373 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 22.0938% | 558 |
| Memoranda: | ||
| Average total assets | $79,105,750 | 4,170 |
| Average earning assets | $73,820,750 | 4,142 |
| Average equity | $12,330,500 | 3,680 |
| Average total loans | $56,082,250 | 3,819 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6601% | 1,654 |
| Cost of funding earning assets | 0.1731% | 3,278 |
| Net interest margin | 3.4870% | 1,350 |
| Noninterest income to average assets | 0.0778% | 4,563 |
| Noninterest expense to average assets | 3.0916% | 741 |
| Loan and lease loss provision to assets | 0.0728% | 1,322 |
| Net operating income to assets | 0.1481% | 4,480 |
| Return on assets (ROA) | 0.1481% | 4,443 |
| Pretax return on assets | 0.1481% | 4,453 |
| Return on Equity (ROE) | 0.9544% | 4,465 |
| Retained earnings to average equity (ytd only) | 0.9544% | 4,004 |
| Net charge-offs to loans | 0.0000% | 2,156 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3333% | 309 |
| Assets per employee ($millions) | 4.7616% | 3,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9911% | 3,637 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
| Noncurrent loans to loans | 0.0000% | 4,026 |
| Net loans and leases to total assets | 71.9892% | 1,100 |
| Net loans and leases to deposits | 88.1186% | 824 |
| Net loans and leases to core deposits | 97.1981% | 787 |
| Total domestic deposits to total assets | 81.6959% | 4,049 |
| Equity capital to assets | 16.1173% | 329 |
| Core capital (leverage) ratio | 16.4666% | 354 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 23.4495% | 453 |
| Memoranda: | ||
| Average total assets | $79,699,333 | 4,207 |
| Average earning assets | $73,932,333 | 4,192 |
| Average equity | $12,364,333 | 3,749 |
| Average total loans | $54,090,333 | 3,888 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4573% | 1,929 |
| Cost of funding earning assets | 0.1684% | 3,241 |
| Net interest margin | 3.2890% | 1,593 |
| Noninterest income to average assets | 0.0737% | 4,596 |
| Noninterest expense to average assets | 2.7990% | 1,159 |
| Loan and lease loss provision to assets | 0.1424% | 564 |
| Net operating income to assets | 0.2013% | 4,333 |
| Return on assets (ROA) | 0.2013% | 4,300 |
| Pretax return on assets | 0.2013% | 4,327 |
| Return on Equity (ROE) | 1.3218% | 4,371 |
| Retained earnings to average equity (ytd only) | 1.3218% | 3,742 |
| Net charge-offs to loans | 0.0000% | 1,838 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0625% | 592 |
| Assets per employee ($millions) | 5.8912% | 2,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 3,731 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
| Noncurrent loans to loans | 0.0000% | 4,066 |
| Net loans and leases to total assets | 65.9202% | 1,419 |
| Net loans and leases to deposits | 79.4915% | 1,183 |
| Net loans and leases to core deposits | 93.0562% | 774 |
| Total domestic deposits to total assets | 82.9274% | 3,953 |
| Equity capital to assets | 14.9763% | 396 |
| Core capital (leverage) ratio | 14.9212% | 441 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $81,456,500 | 4,204 |
| Average earning assets | $76,012,000 | 4,188 |
| Average equity | $12,407,000 | 3,820 |
| Average total loans | $53,438,500 | 3,911 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9493% | 1,492 |
| Cost of funding earning assets | 0.2178% | 3,286 |
| Net interest margin | 3.7315% | 1,140 |
| Noninterest income to average assets | 0.0925% | 4,636 |
| Noninterest expense to average assets | 2.7769% | 1,421 |
| Loan and lease loss provision to assets | 0.0726% | 1,647 |
| Net operating income to assets | 0.7302% | 3,543 |
| Return on assets (ROA) | 0.7302% | 3,603 |
| Pretax return on assets | 0.7302% | 3,868 |
| Return on Equity (ROE) | 6.7566% | 3,586 |
| Retained earnings to average equity (ytd only) | 4.4649% | 3,020 |
| Net charge-offs to loans | 0.0097% | 2,198 |
| Credit loss provision to net charge-offs | 1,020.0000% | 526 |
| Earnings coverage of net charge-offs (x) | 112.8000% | 822 |
| Efficiency ratio | 77.5746% | 985 |
| Assets per employee ($millions) | 6.7030% | 2,156 |
| Cash dividends to net income (ytd only)* | 33.9181% | 2,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 3,741 |
| Loan loss allowance to noncurrent loans | 83.8969% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 0.7720% | 791 |
| Noncurrent loans to loans | 1.1952% | 802 |
| Net loans and leases to total assets | 63.9490% | 1,707 |
| Net loans and leases to deposits | 77.5708% | 1,434 |
| Net loans and leases to core deposits | 92.4429% | 853 |
| Total domestic deposits to total assets | 82.4395% | 3,900 |
| Equity capital to assets | 15.4931% | 435 |
| Core capital (leverage) ratio | 16.0696% | 356 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 24.2656% | 425 |
| Memoranda: | ||
| Average total assets | $70,258,800 | 4,338 |
| Average earning assets | $65,657,800 | 4,314 |
| Average equity | $7,592,600 | 4,369 |
| Average total loans | $51,535,600 | 3,969 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1763% | 1,141 |
| Cost of funding earning assets | 0.2292% | 3,336 |
| Net interest margin | 3.9470% | 867 |
| Noninterest income to average assets | 0.0965% | 4,683 |
| Noninterest expense to average assets | 2.8767% | 1,171 |
| Loan and lease loss provision to assets | 0.0945% | 1,261 |
| Net operating income to assets | 0.8211% | 3,467 |
| Return on assets (ROA) | 0.8211% | 3,542 |
| Pretax return on assets | 0.8211% | 3,851 |
| Return on Equity (ROE) | 8.7210% | 3,195 |
| Retained earnings to average equity (ytd only) | 8.7210% | 1,797 |
| Net charge-offs to loans | 0.0130% | 1,850 |
| Credit loss provision to net charge-offs | 960.0000% | 522 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 908 |
| Efficiency ratio | 75.8567% | 1,047 |
| Assets per employee ($millions) | 8.2614% | 1,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0113% | 3,802 |
| 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 | 68.0591% | 1,317 |
| Net loans and leases to deposits | 76.5509% | 1,618 |
| Net loans and leases to core deposits | 91.4403% | 952 |
| Total domestic deposits to total assets | 88.9070% | 1,337 |
| Equity capital to assets | 8.8403% | 3,969 |
| Core capital (leverage) ratio | 9.8699% | 2,648 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4476% | 2,567 |
| Memoranda: | ||
| Average total assets | $67,714,500 | 4,418 |
| Average earning assets | $63,404,500 | 4,400 |
| Average equity | $6,375,250 | 4,557 |
| Average total loans | $51,429,750 | 4,024 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3987% | 853 |
| Cost of funding earning assets | 0.2514% | 3,267 |
| Net interest margin | 4.1473% | 637 |
| Noninterest income to average assets | 0.0885% | 4,735 |
| Noninterest expense to average assets | 2.9556% | 1,057 |
| Loan and lease loss provision to assets | 0.1466% | 817 |
| Net operating income to assets | 0.8641% | 3,318 |
| Return on assets (ROA) | 0.8641% | 3,396 |
| Pretax return on assets | 0.8641% | 3,734 |
| Return on Equity (ROE) | 8.9708% | 3,103 |
| Retained earnings to average equity (ytd only) | 8.9708% | 1,718 |
| Net charge-offs to loans | 0.0272% | 1,407 |
| Credit loss provision to net charge-offs | 685.7143% | 584 |
| Earnings coverage of net charge-offs (x) | 47.2857% | 1,092 |
| Efficiency ratio | 74.5189% | 1,203 |
| Assets per employee ($millions) | 6.5322% | 2,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9726% | 3,913 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
| Noncurrent loans to loans | 0.0000% | 4,280 |
| Net loans and leases to total assets | 80.5823% | 280 |
| Net loans and leases to deposits | 91.8927% | 544 |
| Net loans and leases to core deposits | 112.9498% | 302 |
| Total domestic deposits to total assets | 87.6917% | 1,990 |
| Equity capital to assets | 9.8589% | 2,992 |
| Core capital (leverage) ratio | 9.5286% | 2,875 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.0701% | 2,700 |
| Memoranda: | ||
| Average total assets | $65,501,667 | 4,472 |
| Average earning assets | $61,245,000 | 4,459 |
| Average equity | $6,309,333 | 4,590 |
| Average total loans | $51,532,667 | 4,046 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 858 |
| Cost of funding earning assets | 0.2607% | 3,373 |
| Net interest margin | 4.1785% | 626 |
| Noninterest income to average assets | 0.0793% | 4,764 |
| Noninterest expense to average assets | 2.9516% | 1,062 |
| Loan and lease loss provision to assets | 0.2378% | 456 |
| Net operating income to assets | 0.7989% | 3,428 |
| Return on assets (ROA) | 0.7989% | 3,497 |
| Pretax return on assets | 0.7989% | 3,815 |
| Return on Equity (ROE) | 8.3921% | 3,218 |
| Retained earnings to average equity (ytd only) | 8.3921% | 2,126 |
| Net charge-offs to loans | 0.0000% | 1,930 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0061% | 1,313 |
| Assets per employee ($millions) | 6.0357% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9785% | 3,929 |
| Loan loss allowance to noncurrent loans | 5,711.1111% | 174 |
| Noncurrent assets plus other real estate owned to assets | 0.0136% | 4,283 |
| Noncurrent loans to loans | 0.0171% | 4,209 |
| Net loans and leases to total assets | 78.3471% | 447 |
| Net loans and leases to deposits | 88.8769% | 772 |
| Net loans and leases to core deposits | 103.8222% | 579 |
| Total domestic deposits to total assets | 88.1524% | 1,764 |
| Equity capital to assets | 9.4935% | 3,209 |
| Core capital (leverage) ratio | 9.3043% | 3,262 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.4625% | 2,507 |
| Memoranda: | ||
| Average total assets | $65,591,500 | 4,487 |
| Average earning assets | $61,362,000 | 4,473 |
| Average equity | $6,244,000 | 4,618 |
| Average total loans | $50,721,500 | 4,083 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2255% | 2,069 |
| Cost of funding earning assets | 0.5818% | 2,436 |
| Net interest margin | 3.6437% | 1,997 |
| Noninterest income to average assets | 0.1032% | 4,733 |
| Noninterest expense to average assets | 2.8704% | 1,759 |
| Loan and lease loss provision to assets | 0.1580% | 2,394 |
| Net operating income to assets | 0.3773% | 4,290 |
| Return on assets (ROA) | 0.3773% | 4,372 |
| Pretax return on assets | 0.3773% | 4,450 |
| Return on Equity (ROE) | 3.8194% | 4,197 |
| Retained earnings to average equity (ytd only) | 1.6975% | 3,952 |
| Net charge-offs to loans | 0.0023% | 3,319 |
| Credit loss provision to net charge-offs | 9,800.0000% | 108 |
| Earnings coverage of net charge-offs (x) | 332.0000% | 321 |
| Efficiency ratio | 84.2803% | 609 |
| Assets per employee ($millions) | 5.8900% | 2,445 |
| Cash dividends to net income (ytd only)* | 55.5556% | 1,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9711% | 3,975 |
| Loan loss allowance to noncurrent loans | 5,937.5000% | 180 |
| Noncurrent assets plus other real estate owned to assets | 0.0123% | 4,354 |
| Noncurrent loans to loans | 0.0164% | 4,295 |
| Net loans and leases to total assets | 74.7600% | 932 |
| Net loans and leases to deposits | 85.0130% | 1,353 |
| Net loans and leases to core deposits | 99.7529% | 910 |
| Total domestic deposits to total assets | 87.9395% | 1,503 |
| Equity capital to assets | 9.5462% | 3,564 |
| Core capital (leverage) ratio | 9.3801% | 3,246 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8375% | 2,690 |
| Memoranda: | ||
| Average total assets | $62,011,400 | 4,485 |
| Average earning assets | $56,206,600 | 4,491 |
| Average equity | $6,126,600 | 4,633 |
| Average total loans | $43,795,600 | 4,232 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2394% | 2,281 |
| Cost of funding earning assets | 0.6489% | 2,330 |
| Net interest margin | 3.5906% | 2,307 |
| Noninterest income to average assets | 0.1044% | 4,742 |
| Noninterest expense to average assets | 2.8746% | 1,759 |
| Loan and lease loss provision to assets | 0.1892% | 2,095 |
| Net operating income to assets | 0.2653% | 4,499 |
| Return on assets (ROA) | 0.2653% | 4,543 |
| Pretax return on assets | 0.2653% | 4,589 |
| Return on Equity (ROE) | 2.6614% | 4,447 |
| Retained earnings to average equity (ytd only) | 2.6614% | 3,662 |
| Net charge-offs to loans | 0.0063% | 2,909 |
| Credit loss provision to net charge-offs | 4,350.0000% | 258 |
| Earnings coverage of net charge-offs (x) | 104.5000% | 766 |
| Efficiency ratio | 86.3488% | 484 |
| Assets per employee ($millions) | 6.2750% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9883% | 3,751 |
| Loan loss allowance to noncurrent loans | 5,800.0000% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0127% | 4,429 |
| Noncurrent loans to loans | 0.0170% | 4,361 |
| Net loans and leases to total assets | 74.0797% | 1,361 |
| Net loans and leases to deposits | 84.7354% | 1,836 |
| Net loans and leases to core deposits | 100.7172% | 1,114 |
| Total domestic deposits to total assets | 87.4247% | 1,481 |
| Equity capital to assets | 9.8932% | 3,343 |
| Core capital (leverage) ratio | 10.1278% | 2,591 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.9989% | 2,200 |
| Memoranda: | ||
| Average total assets | $61,316,750 | 4,512 |
| Average earning assets | $55,068,750 | 4,524 |
| Average equity | $6,112,000 | 4,658 |
| Average total loans | $42,516,500 | 4,289 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2089% | 2,733 |
| Cost of funding earning assets | 0.7430% | 2,162 |
| Net interest margin | 3.4659% | 2,899 |
| Noninterest income to average assets | 0.0920% | 4,805 |
| Noninterest expense to average assets | 2.8403% | 1,999 |
| Loan and lease loss provision to assets | 0.1118% | 2,894 |
| Net operating income to assets | 0.2071% | 4,570 |
| Return on assets (ROA) | 0.2071% | 4,607 |
| Pretax return on assets | 0.2071% | 4,625 |
| Return on Equity (ROE) | 2.0724% | 4,521 |
| Retained earnings to average equity (ytd only) | 2.0724% | 3,725 |
| Net charge-offs to loans | 0.0000% | 3,033 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.9063% | 391 |
| Assets per employee ($millions) | 6.7903% | 1,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9422% | 3,825 |
| Loan loss allowance to noncurrent loans | 4,130.0000% | 165 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 4,491 |
| Noncurrent loans to loans | 0.0228% | 4,392 |
| Net loans and leases to total assets | 63.9471% | 2,887 |
| Net loans and leases to deposits | 72.1967% | 3,241 |
| Net loans and leases to core deposits | 83.8505% | 2,617 |
| Total domestic deposits to total assets | 88.5734% | 913 |
| Equity capital to assets | 9.0320% | 4,064 |
| Core capital (leverage) ratio | 10.1837% | 2,660 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.7643% | 2,288 |
| Memoranda: | ||
| Average total assets | $60,839,000 | 4,529 |
| Average earning assets | $53,838,667 | 4,554 |
| Average equity | $6,080,000 | 4,680 |
| Average total loans | $41,039,000 | 4,336 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2693% | 3,005 |
| Cost of funding earning assets | 0.8448% | 2,140 |
| Net interest margin | 3.4245% | 3,228 |
| Noninterest income to average assets | 0.0977% | 4,832 |
| Noninterest expense to average assets | 2.9665% | 1,962 |
| Loan and lease loss provision to assets | 0.0838% | 2,648 |
| Net operating income to assets | 0.2164% | 4,502 |
| Return on assets (ROA) | 0.2164% | 4,513 |
| Pretax return on assets | 0.2164% | 4,551 |
| Return on Equity (ROE) | 2.0484% | 4,436 |
| Retained earnings to average equity (ytd only) | 2.0484% | 3,431 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8120% | 468 |
| Assets per employee ($millions) | 5.9533% | 1,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 3,884 |
| Loan loss allowance to noncurrent loans | 4,887.5000% | 135 |
| Noncurrent assets plus other real estate owned to assets | 0.0134% | 4,579 |
| Noncurrent loans to loans | 0.0197% | 4,495 |
| Net loans and leases to total assets | 67.6616% | 2,591 |
| Net loans and leases to deposits | 77.6546% | 2,925 |
| Net loans and leases to core deposits | 87.9959% | 2,521 |
| Total domestic deposits to total assets | 87.1315% | 1,503 |
| Equity capital to assets | 10.1960% | 3,606 |
| Core capital (leverage) ratio | 10.4010% | 3,051 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.6848% | 1,692 |
| Memoranda: | ||
| Average total assets | $57,307,000 | 4,588 |
| Average earning assets | $53,030,000 | 4,584 |
| Average equity | $6,053,500 | 4,717 |
| Average total loans | $39,641,000 | 4,382 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4656% | 3,064 |
| Cost of funding earning assets | 0.8121% | 2,623 |
| Net interest margin | 3.6535% | 2,955 |
| Noninterest income to average assets | 0.1116% | 4,894 |
| Noninterest expense to average assets | 2.9336% | 2,192 |
| Loan and lease loss provision to assets | 0.1077% | 1,928 |
| Net operating income to assets | 0.4713% | 4,465 |
| Return on assets (ROA) | 0.4713% | 4,507 |
| Pretax return on assets | 0.4713% | 4,620 |
| Return on Equity (ROE) | 4.1185% | 4,434 |
| Retained earnings to average equity (ytd only) | 3.4293% | 3,294 |
| Net charge-offs to loans | 0.0140% | 3,201 |
| Credit loss provision to net charge-offs | 1,120.0000% | 310 |
| Earnings coverage of net charge-offs (x) | 60.2000% | 977 |
| Efficiency ratio | 83.5159% | 692 |
| Assets per employee ($millions) | 5.5033% | 2,055 |
| Cash dividends to net income (ytd only)* | 16.7347% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 3,602 |
| Loan loss allowance to noncurrent loans | 2,915.3846% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0236% | 4,540 |
| Noncurrent loans to loans | 0.0337% | 4,428 |
| Net loans and leases to total assets | 69.4692% | 2,483 |
| Net loans and leases to deposits | 80.7566% | 2,691 |
| Net loans and leases to core deposits | 92.6655% | 2,189 |
| Total domestic deposits to total assets | 86.0229% | 2,058 |
| Equity capital to assets | 10.9752% | 3,017 |
| Core capital (leverage) ratio | 11.0646% | 2,446 |
| Tier 1 risk-based capital ratio | 14.8076% | 2,864 |
| Total risk-based capital ratio | 15.7431% | 2,922 |
| Memoranda: | ||
| Average total assets | $51,983,200 | 4,720 |
| Average earning assets | $48,392,000 | 4,702 |
| Average equity | $5,948,800 | 4,762 |
| Average total loans | $35,662,200 | 4,511 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 3,175 |
| Cost of funding earning assets | 0.7798% | 2,816 |
| Net interest margin | 3.6811% | 2,989 |
| Noninterest income to average assets | 0.1171% | 4,930 |
| Noninterest expense to average assets | 2.7696% | 2,651 |
| Loan and lease loss provision to assets | 0.1197% | 1,638 |
| Net operating income to assets | 0.6560% | 4,147 |
| Return on assets (ROA) | 0.6560% | 4,195 |
| Pretax return on assets | 0.6560% | 4,436 |
| Return on Equity (ROE) | 5.6698% | 4,137 |
| Retained earnings to average equity (ytd only) | 5.6698% | 2,524 |
| Net charge-offs to loans | 0.0076% | 3,106 |
| Credit loss provision to net charge-offs | 2,300.0000% | 177 |
| Earnings coverage of net charge-offs (x) | 148.8090% | 544 |
| Efficiency ratio | 78.1204% | 1,093 |
| Assets per employee ($millions) | 5.8550% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9996% | 3,575 |
| Loan loss allowance to noncurrent loans | 2,473.3333% | 279 |
| Noncurrent assets plus other real estate owned to assets | 0.0285% | 4,592 |
| Noncurrent loans to loans | 0.0404% | 4,473 |
| Net loans and leases to total assets | 69.7315% | 2,511 |
| Net loans and leases to deposits | 81.8374% | 2,705 |
| Net loans and leases to core deposits | 99.8560% | 1,666 |
| Total domestic deposits to total assets | 85.2073% | 2,345 |
| Equity capital to assets | 11.5571% | 2,624 |
| Core capital (leverage) ratio | 11.8970% | 1,919 |
| Tier 1 risk-based capital ratio | 16.0534% | 2,409 |
| Total risk-based capital ratio | 17.0383% | 2,458 |
| Memoranda: | ||
| Average total assets | $51,220,750 | 4,800 |
| Average earning assets | $47,702,250 | 4,783 |
| Average equity | $5,926,000 | 4,829 |
| Average total loans | $34,925,250 | 4,596 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3747% | 3,401 |
| Cost of funding earning assets | 0.6805% | 3,274 |
| Net interest margin | 3.6942% | 2,947 |
| Noninterest income to average assets | 0.1025% | 5,028 |
| Noninterest expense to average assets | 2.7203% | 2,845 |
| Loan and lease loss provision to assets | 0.1262% | 1,476 |
| Net operating income to assets | 0.7018% | 4,001 |
| Return on assets (ROA) | 0.7018% | 4,054 |
| Pretax return on assets | 0.7018% | 4,324 |
| Return on Equity (ROE) | 6.0634% | 4,031 |
| Retained earnings to average equity (ytd only) | 6.0634% | 2,252 |
| Net charge-offs to loans | 0.0117% | 2,719 |
| Credit loss provision to net charge-offs | 1,600.0000% | 230 |
| Earnings coverage of net charge-offs (x) | 105.0000% | 673 |
| Efficiency ratio | 76.6667% | 1,314 |
| Assets per employee ($millions) | 6.3123% | 1,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,630 |
| Loan loss allowance to noncurrent loans | 2,550.0000% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0277% | 4,636 |
| Noncurrent loans to loans | 0.0392% | 4,515 |
| Net loans and leases to total assets | 70.0285% | 2,524 |
| Net loans and leases to deposits | 79.7812% | 2,978 |
| Net loans and leases to core deposits | 97.5935% | 1,920 |
| Total domestic deposits to total assets | 87.7758% | 1,207 |
| Equity capital to assets | 11.9450% | 2,230 |
| Core capital (leverage) ratio | 11.7189% | 2,007 |
| Tier 1 risk-based capital ratio | 16.0963% | 2,368 |
| Total risk-based capital ratio | 17.0583% | 2,431 |
| Memoranda: | ||
| Average total assets | $50,729,330 | 4,834 |
| Average earning assets | $47,317,330 | 4,824 |
| Average equity | $5,871,330 | 4,866 |
| Average total loans | $34,195,000 | 4,648 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2678% | 3,652 |
| Cost of funding earning assets | 0.5461% | 3,842 |
| Net interest margin | 3.7218% | 2,810 |
| Noninterest income to average assets | 0.0944% | 5,101 |
| Noninterest expense to average assets | 2.6748% | 2,978 |
| Loan and lease loss provision to assets | 0.1101% | 1,619 |
| Net operating income to assets | 0.7946% | 3,640 |
| Return on assets (ROA) | 0.7946% | 3,691 |
| Pretax return on assets | 0.7946% | 4,059 |
| Return on Equity (ROE) | 6.9763% | 3,691 |
| Retained earnings to average equity (ytd only) | 6.9763% | 2,054 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7253% | 1,645 |
| Assets per employee ($millions) | 7.0599% | 977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9991% | 3,716 |
| Loan loss allowance to noncurrent loans | 2,131.2500% | 304 |
| Noncurrent assets plus other real estate owned to assets | 0.0324% | 4,674 |
| Noncurrent loans to loans | 0.0469% | 4,551 |
| Net loans and leases to total assets | 68.3745% | 2,702 |
| Net loans and leases to deposits | 77.8392% | 3,076 |
| Net loans and leases to core deposits | 83.7838% | 3,042 |
| Total domestic deposits to total assets | 87.8407% | 1,427 |
| Equity capital to assets | 11.8902% | 2,092 |
| Core capital (leverage) ratio | 11.7010% | 1,981 |
| Tier 1 risk-based capital ratio | 16.5079% | 2,262 |
| Total risk-based capital ratio | 17.4659% | 2,310 |
| Memoranda: | ||
| Average total assets | $50,845,000 | 4,887 |
| Average earning assets | $47,612,000 | 4,866 |
| Average equity | $5,791,000 | 4,920 |
| Average total loans | $33,432,500 | 4,719 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0975% | 3,749 |
| Cost of funding earning assets | 0.5209% | 3,222 |
| Net interest margin | 3.5766% | 3,462 |
| Noninterest income to average assets | 0.1132% | 5,106 |
| Noninterest expense to average assets | 2.3958% | 3,889 |
| Loan and lease loss provision to assets | 0.1609% | 1,270 |
| Net operating income to assets | 0.8165% | 3,743 |
| Return on assets (ROA) | 0.8165% | 3,744 |
| Pretax return on assets | 0.8165% | 4,123 |
| Return on Equity (ROE) | 7.3085% | 3,727 |
| Retained earnings to average equity (ytd only) | 4.6767% | 2,946 |
| Net charge-offs to loans | 0.0500% | 2,436 |
| Credit loss provision to net charge-offs | 540.0000% | 649 |
| Earnings coverage of net charge-offs (x) | 32.8000% | 1,512 |
| Efficiency ratio | 71.0247% | 2,041 |
| Assets per employee ($millions) | 7.4673% | 807 |
| Cash dividends to net income (ytd only)* | 36.0097% | 2,743 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9990% | 3,705 |
| Loan loss allowance to noncurrent loans | 2,180.0000% | 334 |
| Noncurrent assets plus other real estate owned to assets | 0.0287% | 4,722 |
| Noncurrent loans to loans | 0.0458% | 4,539 |
| Net loans and leases to total assets | 61.9980% | 3,565 |
| Net loans and leases to deposits | 69.7840% | 3,845 |
| Net loans and leases to core deposits | 83.3814% | 3,142 |
| Total domestic deposits to total assets | 88.8428% | 926 |
| Equity capital to assets | 10.9162% | 2,775 |
| Core capital (leverage) ratio | 11.3856% | 2,191 |
| Tier 1 risk-based capital ratio | 16.3500% | 2,287 |
| Total risk-based capital ratio | 17.2691% | 2,340 |
| Memoranda: | ||
| Average total assets | $50,338,800 | 4,928 |
| Average earning assets | $45,882,000 | 4,939 |
| Average equity | $5,623,600 | 4,952 |
| Average total loans | $29,974,000 | 4,821 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0692% | 3,731 |
| Cost of funding earning assets | 0.4754% | 3,359 |
| Net interest margin | 3.5938% | 3,390 |
| Noninterest income to average assets | 0.1150% | 5,154 |
| Noninterest expense to average assets | 2.3534% | 3,968 |
| Loan and lease loss provision to assets | 0.1551% | 1,261 |
| Net operating income to assets | 0.8611% | 3,694 |
| Return on assets (ROA) | 0.8611% | 3,698 |
| Pretax return on assets | 0.8611% | 4,143 |
| Return on Equity (ROE) | 7.6623% | 3,679 |
| Retained earnings to average equity (ytd only) | 7.6623% | 1,815 |
| Net charge-offs to loans | -0.0045% | 4,212 |
| Credit loss provision to net charge-offs | -5,800.0000% | 4,863 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8413% | 2,219 |
| Assets per employee ($millions) | 8.2177% | 597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0177% | 3,650 |
| Loan loss allowance to noncurrent loans | 279.8246% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 3,792 |
| Noncurrent loans to loans | 0.3637% | 3,345 |
| Net loans and leases to total assets | 62.9234% | 3,553 |
| Net loans and leases to deposits | 71.5125% | 3,806 |
| Net loans and leases to core deposits | 86.0205% | 2,991 |
| Total domestic deposits to total assets | 87.9893% | 1,244 |
| Equity capital to assets | 11.6477% | 2,146 |
| Core capital (leverage) ratio | 12.3006% | 1,614 |
| Tier 1 risk-based capital ratio | 17.3862% | 1,972 |
| Total risk-based capital ratio | 18.3300% | 2,017 |
| Memoranda: | ||
| Average total assets | $49,855,750 | 4,989 |
| Average earning assets | $45,151,250 | 5,005 |
| Average equity | $5,603,000 | 5,011 |
| Average total loans | $29,284,000 | 4,891 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0284% | 3,695 |
| Cost of funding earning assets | 0.4095% | 3,658 |
| Net interest margin | 3.6189% | 3,240 |
| Noninterest income to average assets | 0.1079% | 5,249 |
| Noninterest expense to average assets | 2.4021% | 3,893 |
| Loan and lease loss provision to assets | 0.2118% | 791 |
| Net operating income to assets | 0.7434% | 4,057 |
| Return on assets (ROA) | 0.7434% | 4,057 |
| Pretax return on assets | 0.7434% | 4,408 |
| Return on Equity (ROE) | 6.6951% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.6951% | 2,215 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5476% | 2,076 |
| Assets per employee ($millions) | 9.5812% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0003% | 3,835 |
| Loan loss allowance to noncurrent loans | 274.5614% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 3,818 |
| Noncurrent loans to loans | 0.3643% | 3,392 |
| Net loans and leases to total assets | 64.6662% | 3,321 |
| Net loans and leases to deposits | 73.5197% | 3,576 |
| Net loans and leases to core deposits | 88.0711% | 2,714 |
| Total domestic deposits to total assets | 87.9577% | 1,403 |
| Equity capital to assets | 11.7230% | 2,042 |
| Core capital (leverage) ratio | 11.6489% | 1,944 |
| Tier 1 risk-based capital ratio | 15.9866% | 2,444 |
| Total risk-based capital ratio | 16.8584% | 2,533 |
| Memoranda: | ||
| Average total assets | $50,039,000 | 5,047 |
| Average earning assets | $44,931,000 | 5,072 |
| Average equity | $5,556,330 | 5,069 |
| Average total loans | $28,597,330 | 4,959 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9742% | 3,710 |
| Cost of funding earning assets | 0.3709% | 3,823 |
| Net interest margin | 3.6032% | 3,166 |
| Noninterest income to average assets | 0.0939% | 5,352 |
| Noninterest expense to average assets | 2.2698% | 4,255 |
| Loan and lease loss provision to assets | 0.2113% | 766 |
| Net operating income to assets | 0.8062% | 3,680 |
| Return on assets (ROA) | 0.8062% | 3,692 |
| Pretax return on assets | 0.8062% | 4,134 |
| Return on Equity (ROE) | 7.4550% | 3,612 |
| Retained earnings to average equity (ytd only) | 7.4550% | 2,076 |
| Net charge-offs to loans | -0.0147% | 4,408 |
| Credit loss provision to net charge-offs | -2,700.0000% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0476% | 2,658 |
| Assets per employee ($millions) | 10.3098% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0041% | 3,929 |
| Loan loss allowance to noncurrent loans | 332.1839% | 1,537 |
| Noncurrent assets plus other real estate owned to assets | 0.1688% | 4,244 |
| Noncurrent loans to loans | 0.3023% | 3,684 |
| Net loans and leases to total assets | 55.2756% | 4,182 |
| Net loans and leases to deposits | 62.0257% | 4,339 |
| Net loans and leases to core deposits | 72.1751% | 3,939 |
| Total domestic deposits to total assets | 89.1172% | 1,044 |
| Equity capital to assets | 10.7548% | 2,816 |
| Core capital (leverage) ratio | 10.8726% | 2,565 |
| Tier 1 risk-based capital ratio | 14.3750% | 3,180 |
| Total risk-based capital ratio | 15.1094% | 3,372 |
| Memoranda: | ||
| Average total assets | $51,105,500 | 5,090 |
| Average earning assets | $45,292,500 | 5,124 |
| Average equity | $5,526,500 | 5,131 |
| Average total loans | $27,250,000 | 5,035 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2739% | 5,116 |
| Cost of funding earning assets | 0.2481% | 4,582 |
| Net interest margin | 3.0258% | 4,828 |
| Noninterest income to average assets | 0.1191% | 5,345 |
| Noninterest expense to average assets | 2.1431% | 4,671 |
| Loan and lease loss provision to assets | 0.1413% | 1,609 |
| Net operating income to assets | 0.5671% | 4,155 |
| Return on assets (ROA) | 0.6336% | 3,910 |
| Pretax return on assets | 0.6336% | 4,668 |
| Return on Equity (ROE) | 5.6936% | 3,872 |
| Retained earnings to average equity (ytd only) | 3.3908% | 3,255 |
| Net charge-offs to loans | 0.0182% | 3,495 |
| Credit loss provision to net charge-offs | 1,750.0000% | 214 |
| Earnings coverage of net charge-offs (x) | 87.7500% | 710 |
| Efficiency ratio | 75.1592% | 1,743 |
| Assets per employee ($millions) | 8.4437% | 545 |
| Cash dividends to net income (ytd only)* | 40.4459% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0149% | 3,848 |
| Loan loss allowance to noncurrent loans | 310.7143% | 1,625 |
| Noncurrent assets plus other real estate owned to assets | 0.1658% | 4,312 |
| Noncurrent loans to loans | 0.3266% | 3,601 |
| Net loans and leases to total assets | 50.2467% | 4,632 |
| Net loans and leases to deposits | 56.5136% | 4,772 |
| Net loans and leases to core deposits | 65.4497% | 4,447 |
| Total domestic deposits to total assets | 88.9108% | 1,040 |
| Equity capital to assets | 10.8740% | 2,758 |
| Core capital (leverage) ratio | 10.7357% | 2,607 |
| Tier 1 risk-based capital ratio | 16.8224% | 2,153 |
| Total risk-based capital ratio | 17.6194% | 2,246 |
| Memoranda: | ||
| Average total assets | $49,554,200 | 5,168 |
| Average earning assets | $44,748,000 | 5,176 |
| Average equity | $5,515,000 | 5,180 |
| Average total loans | $21,999,400 | 5,256 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1036% | 5,331 |
| Cost of funding earning assets | 0.2344% | 4,711 |
| Net interest margin | 2.8692% | 5,134 |
| Noninterest income to average assets | 0.1867% | 5,081 |
| Noninterest expense to average assets | 2.0617% | 4,826 |
| Loan and lease loss provision to assets | 0.1488% | 1,411 |
| Net operating income to assets | 0.5925% | 4,416 |
| Return on assets (ROA) | 0.6818% | 4,129 |
| Pretax return on assets | 0.6818% | 4,649 |
| Return on Equity (ROE) | 6.0906% | 4,085 |
| Retained earnings to average equity (ytd only) | 6.0906% | 2,177 |
| Net charge-offs to loans | 0.0253% | 2,939 |
| Credit loss provision to net charge-offs | 1,375.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 68.5403% | 908 |
| Efficiency ratio | 73.5521% | 1,964 |
| Assets per employee ($millions) | 9.6176% | 357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9807% | 4,182 |
| Loan loss allowance to noncurrent loans | 291.6667% | 1,616 |
| Noncurrent assets plus other real estate owned to assets | 0.1747% | 4,404 |
| Noncurrent loans to loans | 0.3362% | 3,745 |
| Net loans and leases to total assets | 51.4411% | 4,616 |
| Net loans and leases to deposits | 58.4205% | 4,729 |
| Net loans and leases to core deposits | 68.3456% | 4,344 |
| Total domestic deposits to total assets | 88.0532% | 1,336 |
| Equity capital to assets | 11.7181% | 2,173 |
| Core capital (leverage) ratio | 12.1211% | 1,617 |
| Tier 1 risk-based capital ratio | 18.1927% | 1,805 |
| Total risk-based capital ratio | 18.9859% | 1,875 |
| Memoranda: | ||
| Average total assets | $49,277,250 | 5,230 |
| Average earning assets | $44,936,250 | 5,228 |
| Average equity | $5,516,500 | 5,238 |
| Average total loans | $21,070,000 | 5,335 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0366% | 5,409 |
| Cost of funding earning assets | 0.2150% | 4,847 |
| Net interest margin | 2.8215% | 5,213 |
| Noninterest income to average assets | 0.1651% | 5,230 |
| Noninterest expense to average assets | 2.0091% | 4,960 |
| Loan and lease loss provision to assets | 0.0886% | 2,211 |
| Net operating income to assets | 0.6563% | 4,048 |
| Return on assets (ROA) | 0.6563% | 4,110 |
| Pretax return on assets | 0.6563% | 4,667 |
| Return on Equity (ROE) | 5.9522% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.9522% | 2,146 |
| Net charge-offs to loans | 0.8815% | 223 |
| Credit loss provision to net charge-offs | 25.2874% | 2,752 |
| Earnings coverage of net charge-offs (x) | 2.1264% | 3,202 |
| Efficiency ratio | 72.9532% | 2,195 |
| Assets per employee ($millions) | 9.1760% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6301% | 5,332 |
| Loan loss allowance to noncurrent loans | 6,450.0000% | 116 |
| Noncurrent assets plus other real estate owned to assets | 0.0044% | 5,290 |
| Noncurrent loans to loans | 0.0098% | 5,144 |
| Net loans and leases to total assets | 44.3396% | 5,022 |
| Net loans and leases to deposits | 50.5982% | 5,117 |
| Net loans and leases to core deposits | 58.0284% | 4,917 |
| Total domestic deposits to total assets | 87.6308% | 1,645 |
| Equity capital to assets | 12.2036% | 1,787 |
| Core capital (leverage) ratio | 11.2859% | 2,141 |
| Tier 1 risk-based capital ratio | 20.9995% | 1,182 |
| Total risk-based capital ratio | 21.4893% | 1,290 |
| Memoranda: | ||
| Average total assets | $49,673,670 | 5,255 |
| Average earning assets | $45,578,000 | 5,249 |
| Average equity | $5,477,000 | 5,280 |
| Average total loans | $19,738,000 | 5,418 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9358% | 5,516 |
| Cost of funding earning assets | 0.2140% | 4,847 |
| Net interest margin | 2.7218% | 5,365 |
| Noninterest income to average assets | 0.1629% | 5,304 |
| Noninterest expense to average assets | 2.0942% | 4,865 |
| Loan and lease loss provision to assets | 0.0853% | 2,110 |
| Net operating income to assets | 0.4499% | 4,777 |
| Return on assets (ROA) | 0.6360% | 4,042 |
| Pretax return on assets | 0.6360% | 4,643 |
| Return on Equity (ROE) | 6.0561% | 3,883 |
| Retained earnings to average equity (ytd only) | 6.0561% | 2,302 |
| Net charge-offs to loans | -0.0206% | 4,761 |
| Credit loss provision to net charge-offs | -1,100.0000% | 4,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6460% | 1,423 |
| Assets per employee ($millions) | 10.3998% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 4,277 |
| Loan loss allowance to noncurrent loans | 245.2381% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.1615% | 4,605 |
| Noncurrent loans to loans | 0.4081% | 3,628 |
| Net loans and leases to total assets | 39.1834% | 5,281 |
| Net loans and leases to deposits | 43.8304% | 5,366 |
| Net loans and leases to core deposits | 49.2876% | 5,253 |
| Total domestic deposits to total assets | 89.3979% | 948 |
| Equity capital to assets | 10.5252% | 3,157 |
| Core capital (leverage) ratio | 10.2227% | 3,216 |
| Tier 1 risk-based capital ratio | 18.9116% | 1,635 |
| Total risk-based capital ratio | 19.6266% | 1,731 |
| Memoranda: | ||
| Average total assets | $51,570,500 | 5,281 |
| Average earning assets | $46,733,500 | 5,280 |
| Average equity | $5,416,000 | 5,337 |
| Average total loans | $19,371,000 | 5,485 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5794% | 5,732 |
| Cost of funding earning assets | 0.1975% | 5,034 |
| Net interest margin | 2.3818% | 5,661 |
| Noninterest income to average assets | 0.1418% | 5,482 |
| Noninterest expense to average assets | 1.7072% | 5,558 |
| Loan and lease loss provision to assets | 0.3485% | 489 |
| Net operating income to assets | 0.1516% | 5,494 |
| Return on assets (ROA) | 0.3407% | 5,187 |
| Pretax return on assets | 0.3407% | 5,314 |
| Return on Equity (ROE) | 3.1473% | 5,120 |
| Retained earnings to average equity (ytd only) | 3.1473% | 3,669 |
| Net charge-offs to loans | 0.1345% | 1,899 |
| Credit loss provision to net charge-offs | 1,041.1765% | 369 |
| Earnings coverage of net charge-offs (x) | 14.9412% | 2,249 |
| Efficiency ratio | 77.3417% | 1,797 |
| Assets per employee ($millions) | 12.7855% | 139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 3,905 |
| Loan loss allowance to noncurrent loans | 3,880.0000% | 190 |
| Noncurrent assets plus other real estate owned to assets | 0.0098% | 5,368 |
| Noncurrent loans to loans | 0.0275% | 5,156 |
| Net loans and leases to total assets | 35.1316% | 5,514 |
| Net loans and leases to deposits | 39.3125% | 5,568 |
| Net loans and leases to core deposits | 45.4205% | 5,453 |
| Total domestic deposits to total assets | 89.3649% | 917 |
| Equity capital to assets | 10.4787% | 3,179 |
| Core capital (leverage) ratio | 10.0813% | 3,386 |
| Tier 1 risk-based capital ratio | 19.1064% | 1,570 |
| Total risk-based capital ratio | 19.7971% | 1,680 |
| Memoranda: | ||
| Average total assets | $50,784,800 | 5,328 |
| Average earning assets | $44,041,800 | 5,376 |
| Average equity | $5,496,800 | 5,370 |
| Average total loans | $12,644,000 | 5,718 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4724% | 5,830 |
| Cost of funding earning assets | 0.1928% | 5,143 |
| Net interest margin | 2.2796% | 5,786 |
| Noninterest income to average assets | 0.1394% | 5,561 |
| Noninterest expense to average assets | 1.6017% | 5,688 |
| Loan and lease loss provision to assets | 0.4392% | 305 |
| Net operating income to assets | 0.0579% | 5,674 |
| Return on assets (ROA) | 0.3103% | 5,351 |
| Pretax return on assets | 0.3103% | 5,448 |
| Return on Equity (ROE) | 2.8444% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.8444% | 4,189 |
| Net charge-offs to loans | 0.2131% | 1,091 |
| Credit loss provision to net charge-offs | 927.7778% | 438 |
| Earnings coverage of net charge-offs (x) | 10.4996% | 2,568 |
| Efficiency ratio | 76.3158% | 1,933 |
| Assets per employee ($millions) | 12.8198% | 132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0006% | 4,402 |
| Loan loss allowance to noncurrent loans | 18,300.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 5,542 |
| Noncurrent loans to loans | 0.0055% | 5,397 |
| Net loans and leases to total assets | 35.3088% | 5,573 |
| Net loans and leases to deposits | 39.7236% | 5,641 |
| Net loans and leases to core deposits | 45.9147% | 5,513 |
| Total domestic deposits to total assets | 88.8863% | 967 |
| Equity capital to assets | 11.0182% | 2,992 |
| Core capital (leverage) ratio | 10.9039% | 2,558 |
| Tier 1 risk-based capital ratio | 19.8571% | 1,472 |
| Total risk-based capital ratio | 20.5277% | 1,566 |
| Memoranda: | ||
| Average total assets | $50,695,500 | 5,385 |
| Average earning assets | $43,573,500 | 5,440 |
| Average equity | $5,531,250 | 5,414 |
| Average total loans | $11,264,750 | 5,805 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3410% | 5,947 |
| Cost of funding earning assets | 0.1744% | 5,373 |
| Net interest margin | 2.1666% | 5,912 |
| Noninterest income to average assets | 0.1228% | 5,699 |
| Noninterest expense to average assets | 1.6317% | 5,739 |
| Loan and lease loss provision to assets | 0.4317% | 335 |
| Net operating income to assets | -0.0713% | 5,803 |
| Return on assets (ROA) | 0.2812% | 5,449 |
| Pretax return on assets | 0.2812% | 5,526 |
| Return on Equity (ROE) | 2.5857% | 5,367 |
| Retained earnings to average equity (ytd only) | 2.5857% | 4,244 |
| Net charge-offs to loans | 0.3586% | 650 |
| Credit loss provision to net charge-offs | 681.2500% | 515 |
| Earnings coverage of net charge-offs (x) | 5.6875% | 2,830 |
| Efficiency ratio | 81.9085% | 1,283 |
| Assets per employee ($millions) | 11.7383% | 167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0040% | 4,493 |
| Loan loss allowance to noncurrent loans | 12,700.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0021% | 5,636 |
| Noncurrent loans to loans | 0.0079% | 5,475 |
| Net loans and leases to total assets | 26.6692% | 5,857 |
| Net loans and leases to deposits | 30.3777% | 5,876 |
| Net loans and leases to core deposits | 31.4591% | 5,875 |
| Total domestic deposits to total assets | 87.7920% | 1,534 |
| Equity capital to assets | 12.1121% | 2,043 |
| Core capital (leverage) ratio | 11.0806% | 2,349 |
| Tier 1 risk-based capital ratio | 26.4432% | 693 |
| Total risk-based capital ratio | 27.0683% | 717 |
| Memoranda: | ||
| Average total assets | $50,501,000 | 5,449 |
| Average earning assets | $43,570,670 | 5,503 |
| Average equity | $5,491,670 | 5,474 |
| Average total loans | $8,923,330 | 5,929 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3596% | 6,008 |
| Cost of funding earning assets | 0.1673% | 5,492 |
| Net interest margin | 2.1923% | 5,968 |
| Noninterest income to average assets | 0.0612% | 5,932 |
| Noninterest expense to average assets | 1.6069% | 5,823 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3596% | 5,111 |
| Return on assets (ROA) | 0.3596% | 5,195 |
| Pretax return on assets | 0.3596% | 5,380 |
| Return on Equity (ROE) | 3.4854% | 5,071 |
| Retained earnings to average equity (ytd only) | 3.4854% | 3,755 |
| Net charge-offs to loans | 0.1700% | 1,121 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 15.6667% | 1,651 |
| Efficiency ratio | 81.7121% | 1,398 |
| Assets per employee ($millions) | 12.6635% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4181% | 5,935 |
| Loan loss allowance to noncurrent loans | 344.4444% | 1,429 |
| Noncurrent assets plus other real estate owned to assets | 0.0178% | 5,577 |
| Noncurrent loans to loans | 0.1214% | 4,988 |
| Net loans and leases to total assets | 14.5773% | 6,046 |
| Net loans and leases to deposits | 16.4151% | 6,050 |
| Net loans and leases to core deposits | 16.9537% | 6,048 |
| Total domestic deposits to total assets | 88.8044% | 1,205 |
| Equity capital to assets | 10.7790% | 3,179 |
| Core capital (leverage) ratio | 10.2495% | 3,257 |
| Tier 1 risk-based capital ratio | 32.4143% | 413 |
| Total risk-based capital ratio | 32.6021% | 451 |
| Memoranda: | ||
| Average total assets | $52,275,000 | 5,466 |
| Average earning assets | $45,432,000 | 5,509 |
| Average equity | $5,394,000 | 5,530 |
| Average total loans | $7,060,500 | 6,028 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9319% | 6,102 |
| Cost of funding earning assets | 0.1923% | 5,347 |
| Net interest margin | 1.7396% | 6,086 |
| Noninterest income to average assets | 0.0484% | 6,014 |
| Noninterest expense to average assets | 1.1384% | 6,100 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.3764% | 5,118 |
| Return on assets (ROA) | 0.3782% | 5,201 |
| Pretax return on assets | 0.3782% | 5,362 |
| Return on Equity (ROE) | 3.7805% | 5,035 |
| Retained earnings to average equity (ytd only) | 2.6445% | 4,189 |
| Net charge-offs to loans | -0.0212% | 5,285 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1538% | 2,400 |
| Assets per employee ($millions) | 13.4740% | 110 |
| Cash dividends to net income (ytd only)* | 30.0493% | 3,342 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5070% | 5,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 12.3794% | 6,120 |
| Net loans and leases to deposits | 13.8452% | 6,125 |
| Net loans and leases to core deposits | 15.9762% | 6,112 |
| Total domestic deposits to total assets | 89.4129% | 907 |
| Equity capital to assets | 9.8857% | 4,094 |
| Core capital (leverage) ratio | 9.6831% | 3,930 |
| Tier 1 risk-based capital ratio | 27.8335% | 611 |
| Total risk-based capital ratio | 28.0120% | 666 |
| Memoranda: | ||
| Average total assets | $53,671,800 | 5,465 |
| Average earning assets | $45,241,400 | 5,548 |
| Average equity | $5,369,600 | 5,564 |
| Average total loans | $4,715,600 | 6,124 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9894% | 6,190 |
| Cost of funding earning assets | 0.1939% | 5,433 |
| Net interest margin | 1.7956% | 6,170 |
| Noninterest income to average assets | 0.0423% | 6,117 |
| Noninterest expense to average assets | 1.0121% | 6,210 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5272% | 4,695 |
| Return on assets (ROA) | 0.5297% | 4,774 |
| Pretax return on assets | 0.5297% | 5,150 |
| Return on Equity (ROE) | 5.2786% | 4,505 |
| Retained earnings to average equity (ytd only) | 5.2786% | 2,739 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7512% | 3,936 |
| Assets per employee ($millions) | 17.5070% | 61 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6679% | 5,796 |
| Loan loss allowance to noncurrent loans | 550.0000% | 942 |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 5,760 |
| Noncurrent loans to loans | 0.1214% | 5,143 |
| Net loans and leases to total assets | 9.3448% | 6,219 |
| Net loans and leases to deposits | 10.4910% | 6,222 |
| Net loans and leases to core deposits | 12.1618% | 6,210 |
| Total domestic deposits to total assets | 89.0748% | 997 |
| Equity capital to assets | 10.5615% | 3,533 |
| Core capital (leverage) ratio | 10.4929% | 3,056 |
| Tier 1 risk-based capital ratio | 34.0516% | 376 |
| Total risk-based capital ratio | 34.2607% | 405 |
| Memoranda: | ||
| Average total assets | $53,615,750 | 5,538 |
| Average earning assets | $44,701,500 | 5,636 |
| Average equity | $5,380,000 | 5,633 |
| Average total loans | $4,218,000 | 6,210 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0082% | 6,261 |
| Cost of funding earning assets | 0.1919% | 5,511 |
| Net interest margin | 1.8163% | 6,241 |
| Noninterest income to average assets | 0.0371% | 6,203 |
| Noninterest expense to average assets | 1.0041% | 6,289 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5409% | 4,599 |
| Return on assets (ROA) | 0.5409% | 4,708 |
| Pretax return on assets | 0.5409% | 5,115 |
| Return on Equity (ROE) | 5.4843% | 4,382 |
| Retained earnings to average equity (ytd only) | 5.4843% | 2,544 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9880% | 4,193 |
| Assets per employee ($millions) | 16.9567% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7822% | 5,642 |
| Loan loss allowance to noncurrent loans | 825.0000% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0079% | 5,867 |
| Noncurrent loans to loans | 0.0948% | 5,361 |
| Net loans and leases to total assets | 8.2288% | 6,298 |
| Net loans and leases to deposits | 9.2351% | 6,301 |
| Net loans and leases to core deposits | 10.4166% | 6,289 |
| Total domestic deposits to total assets | 89.1036% | 1,099 |
| Equity capital to assets | 10.5308% | 3,411 |
| Core capital (leverage) ratio | 9.9313% | 3,702 |
| Tier 1 risk-based capital ratio | 37.0195% | 314 |
| Total risk-based capital ratio | 37.2497% | 335 |
| Memoranda: | ||
| Average total assets | $53,980,670 | 5,582 |
| Average earning assets | $44,817,000 | 5,692 |
| Average equity | $5,324,330 | 5,697 |
| Average total loans | $3,977,000 | 6,288 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.1325% | 6,321 |
| Cost of funding earning assets | 0.1986% | 5,527 |
| Net interest margin | 1.9340% | 6,291 |
| Noninterest income to average assets | 0.0288% | 6,277 |
| Noninterest expense to average assets | 0.8859% | 6,377 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7563% | 3,503 |
| Return on assets (ROA) | 0.7563% | 3,640 |
| Pretax return on assets | 0.7563% | 4,404 |
| Return on Equity (ROE) | 7.9126% | 3,000 |
| Retained earnings to average equity (ytd only) | 7.9126% | 1,601 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9474% | 5,684 |
| Assets per employee ($millions) | 19.0540% | 53 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8227% | 5,640 |
| Loan loss allowance to noncurrent loans | 1,100.0000% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 5,943 |
| Noncurrent loans to loans | 0.0748% | 5,473 |
| Net loans and leases to total assets | 6.9592% | 6,371 |
| Net loans and leases to deposits | 7.7186% | 6,376 |
| Net loans and leases to core deposits | 8.6242% | 6,363 |
| Total domestic deposits to total assets | 90.1613% | 672 |
| Equity capital to assets | 9.5326% | 4,708 |
| Core capital (leverage) ratio | 9.2299% | 4,675 |
| Tier 1 risk-based capital ratio | 37.7041% | 292 |
| Total risk-based capital ratio | 37.9404% | 310 |
| Memoranda: | ||
| Average total assets | $55,536,000 | 5,602 |
| Average earning assets | $46,330,000 | 5,698 |
| Average equity | $5,308,000 | 5,759 |
| Average total loans | $3,856,000 | 6,360 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3159% | 6,375 |
| Cost of funding earning assets | 0.1818% | 5,898 |
| Net interest margin | 2.1342% | 6,335 |
| Noninterest income to average assets | 0.0423% | 6,309 |
| Noninterest expense to average assets | 1.0272% | 6,444 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8445% | 3,145 |
| Return on assets (ROA) | 0.8522% | 3,204 |
| Pretax return on assets | 0.8522% | 4,065 |
| Return on Equity (ROE) | 8.7480% | 2,705 |
| Retained earnings to average equity (ytd only) | 4.7986% | 2,761 |
| Net charge-offs to loans | -0.0495% | 5,934 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8818% | 5,771 |
| Assets per employee ($millions) | 17.9700% | 60 |
| Cash dividends to net income (ytd only)* | 45.1467% | 2,558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8917% | 5,500 |
| Loan loss allowance to noncurrent loans | 825.0000% | 708 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 6,051 |
| Noncurrent loans to loans | 0.1081% | 5,465 |
| Net loans and leases to total assets | 6.8039% | 6,459 |
| Net loans and leases to deposits | 7.5655% | 6,464 |
| Net loans and leases to core deposits | 8.5160% | 6,451 |
| Total domestic deposits to total assets | 89.9332% | 762 |
| Equity capital to assets | 9.5845% | 4,611 |
| Core capital (leverage) ratio | 9.5397% | 4,190 |
| Tier 1 risk-based capital ratio | 37.1357% | 282 |
| Total risk-based capital ratio | 37.3732% | 300 |
| Memoranda: | ||
| Average total assets | $51,983,600 | 5,742 |
| Average earning assets | $44,560,800 | 5,813 |
| Average equity | $5,064,000 | 5,840 |
| Average total loans | $4,038,600 | 6,450 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3927% | 6,439 |
| Cost of funding earning assets | 0.1834% | 5,969 |
| Net interest margin | 2.2094% | 6,383 |
| Noninterest income to average assets | 0.0466% | 6,393 |
| Noninterest expense to average assets | 0.9320% | 6,534 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0174% | 2,376 |
| Return on assets (ROA) | 1.0278% | 2,390 |
| Pretax return on assets | 1.0278% | 3,477 |
| Return on Equity (ROE) | 10.5060% | 1,999 |
| Retained earnings to average equity (ytd only) | 10.5060% | 597 |
| Net charge-offs to loans | -0.0648% | 6,013 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8088% | 6,208 |
| Assets per employee ($millions) | 17.0530% | 59 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7765% | 5,931 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 6,206 |
| Noncurrent loans to loans | 0.0235% | 5,931 |
| Net loans and leases to total assets | 8.2429% | 6,537 |
| Net loans and leases to deposits | 9.2272% | 6,542 |
| Net loans and leases to core deposits | 10.4658% | 6,530 |
| Total domestic deposits to total assets | 89.3333% | 1,059 |
| Equity capital to assets | 10.3266% | 3,762 |
| Core capital (leverage) ratio | 10.8074% | 2,687 |
| Tier 1 risk-based capital ratio | 34.6279% | 367 |
| Total risk-based capital ratio | 34.8430% | 395 |
| Memoranda: | ||
| Average total assets | $51,502,000 | 5,819 |
| Average earning assets | $44,355,250 | 5,891 |
| Average equity | $5,038,250 | 5,906 |
| Average total loans | $4,123,000 | 6,528 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4358% | 6,495 |
| Cost of funding earning assets | 0.1832% | 6,049 |
| Net interest margin | 2.2525% | 6,431 |
| Noninterest income to average assets | 0.0349% | 6,480 |
| Noninterest expense to average assets | 0.9144% | 6,606 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0733% | 2,029 |
| Return on assets (ROA) | 1.0811% | 2,073 |
| Pretax return on assets | 1.0811% | 3,181 |
| Return on Equity (ROE) | 11.2576% | 1,643 |
| Retained earnings to average equity (ytd only) | 11.2576% | 502 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0039% | 6,365 |
| Assets per employee ($millions) | 16.3577% | 66 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6727% | 6,216 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 6,272 |
| Noncurrent loans to loans | 0.0217% | 6,003 |
| Net loans and leases to total assets | 9.3269% | 6,603 |
| Net loans and leases to deposits | 10.4677% | 6,607 |
| Net loans and leases to core deposits | 11.6413% | 6,595 |
| Total domestic deposits to total assets | 89.1020% | 1,302 |
| Equity capital to assets | 10.5414% | 3,393 |
| Core capital (leverage) ratio | 10.0313% | 3,568 |
| Tier 1 risk-based capital ratio | 40.8106% | 223 |
| Total risk-based capital ratio | 41.0540% | 242 |
| Memoranda: | ||
| Average total assets | $51,616,330 | 5,867 |
| Average earning assets | $44,750,000 | 5,921 |
| Average equity | $4,956,670 | 5,966 |
| Average total loans | $4,080,670 | 6,594 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3814% | 6,577 |
| Cost of funding earning assets | 0.1852% | 6,114 |
| Net interest margin | 2.1962% | 6,527 |
| Noninterest income to average assets | 0.0303% | 6,534 |
| Noninterest expense to average assets | 0.8773% | 6,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.0362% | 2,062 |
| Return on assets (ROA) | 1.0362% | 2,133 |
| Pretax return on assets | 1.0362% | 3,187 |
| Return on Equity (ROE) | 11.3025% | 1,602 |
| Retained earnings to average equity (ytd only) | 11.3025% | 705 |
| Net charge-offs to loans | -0.1048% | 6,134 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8498% | 6,435 |
| Assets per employee ($millions) | 18.1650% | 56 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7563% | 6,182 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 6,343 |
| Noncurrent loans to loans | 0.0236% | 6,090 |
| Net loans and leases to total assets | 7.7053% | 6,678 |
| Net loans and leases to deposits | 8.5411% | 6,682 |
| Net loans and leases to core deposits | 9.3822% | 6,668 |
| Total domestic deposits to total assets | 90.2138% | 957 |
| Equity capital to assets | 9.4669% | 4,539 |
| Core capital (leverage) ratio | 9.3758% | 4,469 |
| Tier 1 risk-based capital ratio | 37.4038% | 284 |
| Total risk-based capital ratio | 37.6406% | 301 |
| Memoranda: | ||
| Average total assets | $52,888,000 | 5,885 |
| Average earning assets | $45,351,000 | 5,961 |
| Average equity | $4,848,500 | 6,035 |
| Average total loans | $3,817,000 | 6,668 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.7676% | 6,730 |
| Cost of funding earning assets | 0.2070% | 6,247 |
| Net interest margin | 1.5605% | 6,718 |
| Noninterest income to average assets | 0.0439% | 6,565 |
| Noninterest expense to average assets | 0.8380% | 6,769 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.5441% | 4,537 |
| Return on assets (ROA) | 0.5441% | 4,660 |
| Pretax return on assets | 0.5441% | 5,061 |
| Return on Equity (ROE) | 6.0381% | 4,059 |
| Retained earnings to average equity (ytd only) | 4.3856% | 3,053 |
| Net charge-offs to loans | 0.0940% | 3,905 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 95.0000% | 477 |
| Efficiency ratio | 60.6354% | 5,394 |
| Assets per employee ($millions) | 17.0937% | 60 |
| Cash dividends to net income (ytd only)* | 27.3684% | 3,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9110% | 5,887 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 6,448 |
| Noncurrent loans to loans | 0.0294% | 6,165 |
| Net loans and leases to total assets | 6.5755% | 6,761 |
| Net loans and leases to deposits | 7.2410% | 6,762 |
| Net loans and leases to core deposits | 7.9979% | 6,753 |
| Total domestic deposits to total assets | 90.8095% | 657 |
| Equity capital to assets | 8.8493% | 5,199 |
| Core capital (leverage) ratio | 9.3266% | 4,510 |
| Tier 1 risk-based capital ratio | 39.0703% | 244 |
| Total risk-based capital ratio | 39.3166% | 258 |
| Memoranda: | ||
| Average total assets | $52,384,400 | 5,958 |
| Average earning assets | $44,920,800 | 6,023 |
| Average equity | $4,720,000 | 6,137 |
| Average total loans | $3,190,000 | 6,762 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6137% | 6,825 |
| Cost of funding earning assets | 0.2120% | 6,342 |
| Net interest margin | 1.4016% | 6,815 |
| Noninterest income to average assets | 0.0481% | 6,642 |
| Noninterest expense to average assets | 0.7418% | 6,856 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5114% | 4,750 |
| Return on assets (ROA) | 0.5114% | 4,906 |
| Pretax return on assets | 0.5114% | 5,324 |
| Return on Equity (ROE) | 5.6517% | 4,385 |
| Retained earnings to average equity (ytd only) | 5.6517% | 2,634 |
| Net charge-offs to loans | 0.0424% | 4,304 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 202.5038% | 287 |
| Efficiency ratio | 59.1919% | 5,535 |
| Assets per employee ($millions) | 17.4960% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 5,656 |
| Loan loss allowance to noncurrent loans | 3,300.0000% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 6,532 |
| Noncurrent loans to loans | 0.0307% | 6,254 |
| Net loans and leases to total assets | 6.1405% | 6,843 |
| Net loans and leases to deposits | 6.7591% | 6,846 |
| Net loans and leases to core deposits | 7.6232% | 6,835 |
| Total domestic deposits to total assets | 90.8474% | 594 |
| Equity capital to assets | 8.8192% | 5,398 |
| Core capital (leverage) ratio | 10.1264% | 3,492 |
| Tier 1 risk-based capital ratio | 38.8546% | 256 |
| Total risk-based capital ratio | 39.1156% | 267 |
| Memoranda: | ||
| Average total assets | $52,660,250 | 6,015 |
| Average earning assets | $45,279,250 | 6,079 |
| Average equity | $4,765,500 | 6,202 |
| Average total loans | $3,136,750 | 6,839 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4747% | 6,883 |
| Cost of funding earning assets | 0.2259% | 6,336 |
| Net interest margin | 1.2489% | 6,881 |
| Noninterest income to average assets | 0.0417% | 6,695 |
| Noninterest expense to average assets | 0.8346% | 6,897 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2769% | 5,680 |
| Return on assets (ROA) | 0.2769% | 5,814 |
| Pretax return on assets | 0.2769% | 5,934 |
| Return on Equity (ROE) | 3.0347% | 5,611 |
| Retained earnings to average equity (ytd only) | 3.0347% | 4,387 |
| Net charge-offs to loans | 0.1292% | 3,084 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 36.5000% | 990 |
| Efficiency ratio | 75.0853% | 2,933 |
| Assets per employee ($millions) | 15.9997% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8934% | 6,153 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 7.3960% | 6,886 |
| Net loans and leases to deposits | 8.1941% | 6,894 |
| Net loans and leases to core deposits | 9.3618% | 6,884 |
| Total domestic deposits to total assets | 90.2602% | 882 |
| Equity capital to assets | 9.3731% | 4,753 |
| Core capital (leverage) ratio | 9.3934% | 4,399 |
| Tier 1 risk-based capital ratio | 39.8251% | 235 |
| Total risk-based capital ratio | 40.0916% | 247 |
| Memoranda: | ||
| Average total assets | $52,717,670 | 6,057 |
| Average earning assets | $45,161,330 | 6,131 |
| Average equity | $4,811,000 | 6,236 |
| Average total loans | $3,097,000 | 6,887 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.2967% | 6,978 |
| Cost of funding earning assets | 0.2303% | 6,414 |
| Net interest margin | 1.0664% | 6,973 |
| Noninterest income to average assets | 0.0436% | 6,754 |
| Noninterest expense to average assets | 0.7771% | 6,982 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1743% | 5,969 |
| Return on assets (ROA) | 0.1743% | 6,070 |
| Pretax return on assets | 0.1743% | 6,125 |
| Return on Equity (ROE) | 1.9328% | 5,958 |
| Retained earnings to average equity (ytd only) | 1.9328% | 5,034 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6794% | 2,086 |
| Assets per employee ($millions) | 18.1313% | 63 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1221% | 5,516 |
| Loan loss allowance to noncurrent loans | 1,133.3333% | 423 |
| Noncurrent assets plus other real estate owned to assets | 0.0055% | 6,618 |
| Noncurrent loans to loans | 0.0990% | 6,182 |
| Net loans and leases to total assets | 5.5080% | 6,969 |
| Net loans and leases to deposits | 6.0860% | 6,975 |
| Net loans and leases to core deposits | 6.8363% | 6,963 |
| Total domestic deposits to total assets | 90.5026% | 767 |
| Equity capital to assets | 9.1738% | 5,281 |
| Core capital (leverage) ratio | 8.4884% | 5,615 |
| Tier 1 risk-based capital ratio | 37.3108% | 283 |
| Total risk-based capital ratio | 37.5788% | 301 |
| Memoranda: | ||
| Average total assets | $55,077,000 | 6,044 |
| Average earning assets | $46,888,500 | 6,131 |
| Average equity | $4,967,000 | 6,255 |
| Average total loans | $2,854,500 | 6,963 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.6547% | 7,015 |
| Cost of funding earning assets | 0.3426% | 6,259 |
| Net interest margin | 1.3121% | 7,012 |
| Noninterest income to average assets | 0.0480% | 6,698 |
| Noninterest expense to average assets | 1.0424% | 7,006 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.1305% | 5,939 |
| Return on assets (ROA) | 0.1958% | 5,967 |
| Pretax return on assets | 0.1958% | 5,997 |
| Return on Equity (ROE) | 2.0283% | 5,891 |
| Retained earnings to average equity (ytd only) | 1.0937% | 5,325 |
| Net charge-offs to loans | -0.0878% | 6,802 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8707% | 1,154 |
| Assets per employee ($millions) | 18.5867% | 60 |
| Cash dividends to net income (ytd only)* | 46.0784% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2691% | 4,785 |
| Loan loss allowance to noncurrent loans | 3,400.0000% | 187 |
| Noncurrent assets plus other real estate owned to assets | 0.0018% | 6,715 |
| Noncurrent loans to loans | 0.0373% | 6,414 |
| Net loans and leases to total assets | 4.7435% | 7,030 |
| Net loans and leases to deposits | 5.2244% | 7,036 |
| Net loans and leases to core deposits | 5.8484% | 7,026 |
| Total domestic deposits to total assets | 90.7963% | 569 |
| Equity capital to assets | 8.8666% | 5,666 |
| Core capital (leverage) ratio | 8.7693% | 5,230 |
| Tier 1 risk-based capital ratio | 37.0837% | 291 |
| Total risk-based capital ratio | 37.3514% | 303 |
| Memoranda: | ||
| Average total assets | $52,091,000 | 6,146 |
| Average earning assets | $44,660,000 | 6,217 |
| Average equity | $5,028,800 | 6,279 |
| Average total loans | $3,416,400 | 7,029 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.9031% | 7,110 |
| Cost of funding earning assets | 0.3602% | 6,331 |
| Net interest margin | 1.5429% | 7,105 |
| Noninterest income to average assets | 0.0547% | 6,786 |
| Noninterest expense to average assets | 1.0630% | 7,107 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3309% | 5,505 |
| Return on assets (ROA) | 0.3309% | 5,712 |
| Pretax return on assets | 0.3309% | 5,895 |
| Return on Equity (ROE) | 3.3531% | 5,551 |
| Retained earnings to average equity (ytd only) | 3.3267% | 4,529 |
| Net charge-offs to loans | -0.0369% | 6,629 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2617% | 2,636 |
| Assets per employee ($millions) | 17.6907% | 66 |
| Cash dividends to net income (ytd only)* | 0.7854% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9493% | 6,247 |
| Loan loss allowance to noncurrent loans | 1,066.6667% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0057% | 6,783 |
| Noncurrent loans to loans | 0.0890% | 6,393 |
| Net loans and leases to total assets | 6.2915% | 7,130 |
| Net loans and leases to deposits | 6.9861% | 7,136 |
| Net loans and leases to core deposits | 7.8759% | 7,126 |
| Total domestic deposits to total assets | 90.0569% | 821 |
| Equity capital to assets | 9.5907% | 5,082 |
| Core capital (leverage) ratio | 9.4645% | 4,328 |
| Tier 1 risk-based capital ratio | 36.0422% | 325 |
| Total risk-based capital ratio | 36.2835% | 351 |
| Memoranda: | ||
| Average total assets | $51,173,750 | 6,247 |
| Average earning assets | $44,417,750 | 6,296 |
| Average equity | $5,050,000 | 6,344 |
| Average total loans | $3,600,750 | 7,121 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0607% | 7,170 |
| Cost of funding earning assets | 0.3771% | 6,394 |
| Net interest margin | 1.6835% | 7,164 |
| Noninterest income to average assets | 0.0594% | 6,824 |
| Noninterest expense to average assets | 1.0843% | 7,173 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.4590% | 5,001 |
| Return on assets (ROA) | 0.4590% | 5,238 |
| Pretax return on assets | 0.4590% | 5,548 |
| Return on Equity (ROE) | 4.6062% | 4,993 |
| Retained earnings to average equity (ytd only) | 4.6062% | 3,546 |
| Net charge-offs to loans | -0.0544% | 6,686 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2564% | 3,724 |
| Assets per employee ($millions) | 16.0477% | 72 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8370% | 6,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 7.8745% | 7,189 |
| Net loans and leases to deposits | 8.8335% | 7,196 |
| Net loans and leases to core deposits | 10.1048% | 7,187 |
| Total domestic deposits to total assets | 89.1428% | 1,422 |
| Equity capital to assets | 10.4688% | 3,724 |
| Core capital (leverage) ratio | 9.5283% | 4,107 |
| Tier 1 risk-based capital ratio | 37.8381% | 282 |
| Total risk-based capital ratio | 38.0918% | 302 |
| Memoranda: | ||
| Average total assets | $50,541,000 | 6,308 |
| Average earning assets | $44,549,000 | 6,333 |
| Average equity | $5,036,670 | 6,380 |
| Average total loans | $3,677,330 | 7,183 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2396% | 7,219 |
| Cost of funding earning assets | 0.3849% | 6,486 |
| Net interest margin | 1.8547% | 7,193 |
| Noninterest income to average assets | 0.0387% | 6,978 |
| Noninterest expense to average assets | 1.1365% | 7,224 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5412% | 4,646 |
| Return on assets (ROA) | 0.5412% | 4,857 |
| Pretax return on assets | 0.5412% | 5,315 |
| Return on Equity (ROE) | 5.5611% | 4,520 |
| Retained earnings to average equity (ytd only) | 5.5611% | 3,227 |
| Net charge-offs to loans | -0.1110% | 6,827 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7419% | 4,216 |
| Assets per employee ($millions) | 17.4793% | 69 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8961% | 6,544 |
| Loan loss allowance to noncurrent loans | 3,200.0000% | 163 |
| Noncurrent assets plus other real estate owned to assets | 0.0019% | 6,958 |
| Noncurrent loans to loans | 0.0280% | 6,701 |
| Net loans and leases to total assets | 6.7489% | 7,251 |
| Net loans and leases to deposits | 7.5055% | 7,261 |
| Net loans and leases to core deposits | 8.5442% | 7,250 |
| Total domestic deposits to total assets | 89.9195% | 1,129 |
| Equity capital to assets | 9.7239% | 4,488 |
| Core capital (leverage) ratio | 8.9164% | 4,975 |
| Tier 1 risk-based capital ratio | 36.8565% | 293 |
| Total risk-based capital ratio | 37.1061% | 308 |
| Memoranda: | ||
| Average total assets | $51,740,000 | 6,313 |
| Average earning assets | $45,722,500 | 6,339 |
| Average equity | $5,035,000 | 6,415 |
| Average total loans | $3,604,500 | 7,245 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6390% | 7,244 |
| Cost of funding earning assets | 0.4992% | 6,538 |
| Net interest margin | 2.1398% | 7,194 |
| Noninterest income to average assets | 0.0483% | 6,840 |
| Noninterest expense to average assets | 1.2317% | 7,261 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.6541% | 3,728 |
| Return on assets (ROA) | 0.6601% | 3,878 |
| Pretax return on assets | 0.6601% | 4,470 |
| Return on Equity (ROE) | 6.3279% | 3,724 |
| Retained earnings to average equity (ytd only) | 1.6399% | 5,039 |
| Net charge-offs to loans | -0.0857% | 7,119 |
| Credit loss provision to net charge-offs | 0.0000% | 6,066 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3148% | 4,900 |
| Assets per employee ($millions) | 17.0140% | 71 |
| Cash dividends to net income (ytd only)* | 74.0854% | 989 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8521% | 6,640 |
| Loan loss allowance to noncurrent loans | 516.6667% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0118% | 6,959 |
| Noncurrent loans to loans | 0.1649% | 6,421 |
| Net loans and leases to total assets | 7.0667% | 7,302 |
| Net loans and leases to deposits | 7.8618% | 7,307 |
| Net loans and leases to core deposits | 8.9836% | 7,294 |
| Total domestic deposits to total assets | 89.8868% | 1,050 |
| Equity capital to assets | 9.7390% | 4,528 |
| Core capital (leverage) ratio | 9.0126% | 4,763 |
| Tier 1 risk-based capital ratio | 37.4467% | 281 |
| Total risk-based capital ratio | 37.6961% | 297 |
| Memoranda: | ||
| Average total assets | $49,688,600 | 6,377 |
| Average earning assets | $42,667,800 | 6,435 |
| Average equity | $5,183,400 | 6,395 |
| Average total loans | $3,500,000 | 7,296 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7942% | 7,307 |
| Cost of funding earning assets | 0.5389% | 6,548 |
| Net interest margin | 2.2552% | 7,234 |
| Noninterest income to average assets | 0.0513% | 6,952 |
| Noninterest expense to average assets | 1.1239% | 7,358 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.8267% | 3,036 |
| Return on assets (ROA) | 0.8348% | 3,162 |
| Pretax return on assets | 0.8348% | 4,000 |
| Return on Equity (ROE) | 7.8677% | 3,096 |
| Retained earnings to average equity (ytd only) | 7.8677% | 1,556 |
| Net charge-offs to loans | -0.1154% | 7,193 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6177% | 6,069 |
| Assets per employee ($millions) | 17.0400% | 73 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9524% | 6,450 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 7,089 |
| Noncurrent loans to loans | 0.0307% | 6,861 |
| Net loans and leases to total assets | 6.3067% | 7,378 |
| Net loans and leases to deposits | 7.0610% | 7,384 |
| Net loans and leases to core deposits | 8.0735% | 7,373 |
| Total domestic deposits to total assets | 89.3173% | 1,243 |
| Equity capital to assets | 10.3149% | 3,934 |
| Core capital (leverage) ratio | 10.2193% | 3,171 |
| Tier 1 risk-based capital ratio | 40.6685% | 236 |
| Total risk-based capital ratio | 40.9269% | 253 |
| Memoranda: | ||
| Average total assets | $49,350,250 | 6,444 |
| Average earning assets | $41,561,250 | 6,529 |
| Average equity | $5,236,500 | 6,420 |
| Average total loans | $3,465,500 | 7,369 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8991% | 7,364 |
| Cost of funding earning assets | 0.5710% | 6,581 |
| Net interest margin | 2.3280% | 7,269 |
| Noninterest income to average assets | 0.0451% | 7,068 |
| Noninterest expense to average assets | 1.1485% | 7,434 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.8532% | 2,843 |
| Return on assets (ROA) | 0.8532% | 2,937 |
| Pretax return on assets | 0.8532% | 3,820 |
| Return on Equity (ROE) | 7.9627% | 2,959 |
| Retained earnings to average equity (ytd only) | 7.9627% | 1,473 |
| Net charge-offs to loans | -0.1131% | 7,194 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3770% | 6,247 |
| Assets per employee ($millions) | 15.2033% | 91 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7899% | 6,890 |
| Loan loss allowance to noncurrent loans | 750.0000% | 475 |
| Noncurrent assets plus other real estate owned to assets | 0.0088% | 7,106 |
| Noncurrent loans to loans | 0.1053% | 6,708 |
| Net loans and leases to total assets | 8.2613% | 7,448 |
| Net loans and leases to deposits | 9.3871% | 7,457 |
| Net loans and leases to core deposits | 10.9481% | 7,444 |
| Total domestic deposits to total assets | 88.0070% | 2,132 |
| Equity capital to assets | 11.5764% | 2,434 |
| Core capital (leverage) ratio | 9.9827% | 3,283 |
| Tier 1 risk-based capital ratio | 41.2878% | 224 |
| Total risk-based capital ratio | 41.5471% | 236 |
| Memoranda: | ||
| Average total assets | $48,760,330 | 6,518 |
| Average earning assets | $40,978,670 | 6,600 |
| Average equity | $5,224,330 | 6,457 |
| Average total loans | $3,535,670 | 7,442 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7617% | 7,447 |
| Cost of funding earning assets | 0.6116% | 6,560 |
| Net interest margin | 2.1501% | 7,373 |
| Noninterest income to average assets | 0.0397% | 7,183 |
| Noninterest expense to average assets | 1.1443% | 7,498 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.6834% | 3,591 |
| Return on assets (ROA) | 0.6834% | 3,657 |
| Pretax return on assets | 0.6834% | 4,367 |
| Return on Equity (ROE) | 6.6198% | 3,568 |
| Retained earnings to average equity (ytd only) | 6.6198% | 2,315 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6087% | 5,585 |
| Assets per employee ($millions) | 17.3893% | 78 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7901% | 6,938 |
| Loan loss allowance to noncurrent loans | 700.0000% | 502 |
| Noncurrent assets plus other real estate owned to assets | 0.0077% | 7,178 |
| Noncurrent loans to loans | 0.1129% | 6,764 |
| Net loans and leases to total assets | 6.7398% | 7,513 |
| Net loans and leases to deposits | 7.5067% | 7,523 |
| Net loans and leases to core deposits | 8.6098% | 7,506 |
| Total domestic deposits to total assets | 89.7830% | 1,303 |
| Equity capital to assets | 9.8528% | 3,963 |
| Core capital (leverage) ratio | 9.0002% | 4,615 |
| Tier 1 risk-based capital ratio | 35.4203% | 337 |
| Total risk-based capital ratio | 35.6333% | 356 |
| Memoranda: | ||
| Average total assets | $50,335,500 | 6,522 |
| Average earning assets | $41,859,000 | 6,619 |
| Average equity | $5,196,500 | 6,485 |
| Average total loans | $3,404,500 | 7,502 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3492% | 7,430 |
| Cost of funding earning assets | 0.8887% | 6,207 |
| Net interest margin | 2.4605% | 7,294 |
| Noninterest income to average assets | 0.0483% | 7,116 |
| Noninterest expense to average assets | 1.3831% | 7,492 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 0.7745% | 2,905 |
| Return on assets (ROA) | 0.9361% | 2,386 |
| Pretax return on assets | 0.9361% | 3,145 |
| Return on Equity (ROE) | 8.4043% | 2,534 |
| Retained earnings to average equity (ytd only) | 1.7713% | 4,616 |
| Net charge-offs to loans | -0.1028% | 7,504 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1051% | 5,335 |
| Assets per employee ($millions) | 16.1677% | 85 |
| Cash dividends to net income (ytd only)* | 78.9238% | 892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8576% | 6,837 |
| Loan loss allowance to noncurrent loans | 1,400.0000% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 7,261 |
| Noncurrent loans to loans | 0.0613% | 6,968 |
| Net loans and leases to total assets | 6.6738% | 7,594 |
| Net loans and leases to deposits | 7.5346% | 7,604 |
| Net loans and leases to core deposits | 8.7569% | 7,585 |
| Total domestic deposits to total assets | 88.5760% | 1,907 |
| Equity capital to assets | 10.8303% | 2,831 |
| Core capital (leverage) ratio | 9.6828% | 3,449 |
| Tier 1 risk-based capital ratio | 38.5980% | 266 |
| Total risk-based capital ratio | 38.8345% | 277 |
| Memoranda: | ||
| Average total assets | $47,645,600 | 6,612 |
| Average earning assets | $40,845,200 | 6,680 |
| Average equity | $5,306,800 | 6,564 |
| Average total loans | $3,889,600 | 7,579 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4448% | 7,549 |
| Cost of funding earning assets | 0.9218% | 6,299 |
| Net interest margin | 2.5229% | 7,359 |
| Noninterest income to average assets | 0.0534% | 7,254 |
| Noninterest expense to average assets | 1.2959% | 7,637 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 0.9501% | 2,411 |
| Return on assets (ROA) | 1.0232% | 2,272 |
| Pretax return on assets | 1.0232% | 3,099 |
| Return on Equity (ROE) | 9.1221% | 2,449 |
| Retained earnings to average equity (ytd only) | 9.1221% | 1,018 |
| Net charge-offs to loans | -0.0989% | 7,552 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6971% | 6,308 |
| Assets per employee ($millions) | 15.7870% | 88 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6868% | 7,214 |
| Loan loss allowance to noncurrent loans | 1,350.0000% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 7,367 |
| Noncurrent loans to loans | 0.0509% | 7,118 |
| Net loans and leases to total assets | 8.2431% | 7,695 |
| Net loans and leases to deposits | 9.3599% | 7,704 |
| Net loans and leases to core deposits | 10.9301% | 7,685 |
| Total domestic deposits to total assets | 88.0682% | 1,923 |
| Equity capital to assets | 11.5074% | 2,528 |
| Core capital (leverage) ratio | 10.3587% | 2,850 |
| Tier 1 risk-based capital ratio | 40.2998% | 239 |
| Total risk-based capital ratio | 40.5246% | 252 |
| Memoranda: | ||
| Average total assets | $47,431,250 | 6,705 |
| Average earning assets | $41,220,750 | 6,751 |
| Average equity | $5,320,250 | 6,638 |
| Average total loans | $4,045,750 | 7,676 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5855% | 7,573 |
| Cost of funding earning assets | 0.9322% | 6,457 |
| Net interest margin | 2.6533% | 7,302 |
| Noninterest income to average assets | 0.0379% | 7,395 |
| Noninterest expense to average assets | 1.3149% | 7,703 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.0621% | 1,974 |
| Return on assets (ROA) | 1.1716% | 1,703 |
| Pretax return on assets | 1.1716% | 2,510 |
| Return on Equity (ROE) | 10.5363% | 1,915 |
| Retained earnings to average equity (ytd only) | 10.5363% | 741 |
| Net charge-offs to loans | -0.1469% | 7,606 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3191% | 6,726 |
| Assets per employee ($millions) | 15.6880% | 90 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5422% | 7,475 |
| Loan loss allowance to noncurrent loans | 900.0000% | 377 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 7,407 |
| Noncurrent loans to loans | 0.0602% | 7,167 |
| Net loans and leases to total assets | 10.5240% | 7,752 |
| Net loans and leases to deposits | 11.9370% | 7,764 |
| Net loans and leases to core deposits | 14.4600% | 7,748 |
| Total domestic deposits to total assets | 88.1629% | 1,917 |
| Equity capital to assets | 11.4036% | 2,518 |
| Core capital (leverage) ratio | 9.8586% | 3,333 |
| Tier 1 risk-based capital ratio | 37.3713% | 294 |
| Total risk-based capital ratio | 37.5835% | 311 |
| Memoranda: | ||
| Average total assets | $47,454,670 | 6,749 |
| Average earning assets | $41,835,330 | 6,784 |
| Average equity | $5,277,000 | 6,690 |
| Average total loans | $4,084,000 | 7,740 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7219% | 7,627 |
| Cost of funding earning assets | 0.9258% | 6,673 |
| Net interest margin | 2.7961% | 7,181 |
| Noninterest income to average assets | 0.0420% | 7,504 |
| Noninterest expense to average assets | 1.4523% | 7,738 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0745% | 1,914 |
| Return on assets (ROA) | 1.2844% | 1,402 |
| Pretax return on assets | 1.2844% | 2,093 |
| Return on Equity (ROE) | 11.6972% | 1,584 |
| Retained earnings to average equity (ytd only) | 11.6972% | 797 |
| Net charge-offs to loans | -0.1100% | 7,537 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4751% | 6,568 |
| Assets per employee ($millions) | 16.1680% | 95 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6737% | 7,392 |
| Loan loss allowance to noncurrent loans | 833.3333% | 387 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 7,482 |
| Noncurrent loans to loans | 0.0808% | 7,189 |
| Net loans and leases to total assets | 7.5994% | 7,867 |
| Net loans and leases to deposits | 8.5683% | 7,874 |
| Net loans and leases to core deposits | 9.9514% | 7,858 |
| Total domestic deposits to total assets | 88.6917% | 1,681 |
| Equity capital to assets | 10.8919% | 2,852 |
| Core capital (leverage) ratio | 9.5984% | 3,645 |
| Tier 1 risk-based capital ratio | 38.3608% | 280 |
| Total risk-based capital ratio | 38.5680% | 296 |
| Memoranda: | ||
| Average total assets | $47,650,000 | 6,818 |
| Average earning assets | $42,344,000 | 6,845 |
| Average equity | $5,232,000 | 6,766 |
| Average total loans | $3,636,000 | 7,854 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 7,708 |
| Cost of funding earning assets | 1.1459% | 6,831 |
| Net interest margin | 2.8239% | 7,019 |
| Noninterest income to average assets | 0.0564% | 7,475 |
| Noninterest expense to average assets | 1.2830% | 7,886 |
| Loan and lease loss provision to assets | 0.0000% | 7,427 |
| Net operating income to assets | 1.3199% | 999 |
| Return on assets (ROA) | 1.4045% | 904 |
| Pretax return on assets | 1.4045% | 1,427 |
| Return on Equity (ROE) | 12.9338% | 977 |
| Retained earnings to average equity (ytd only) | 12.9338% | 158 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.2911% | 7,578 |
| Assets per employee ($millions) | 15.5987% | 105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6740% | 7,424 |
| Loan loss allowance to noncurrent loans | 600.0000% | 559 |
| Noncurrent assets plus other real estate owned to assets | 0.0085% | 7,512 |
| Noncurrent loans to loans | 0.1123% | 7,137 |
| Net loans and leases to total assets | 7.5583% | 7,941 |
| Net loans and leases to deposits | 8.5449% | 7,951 |
| Net loans and leases to core deposits | 15.2477% | 7,937 |
| Total domestic deposits to total assets | 88.4541% | 1,750 |
| Equity capital to assets | 11.0715% | 2,651 |
| Core capital (leverage) ratio | 9.7245% | 3,417 |
| Tier 1 risk-based capital ratio | 38.7969% | 271 |
| Total risk-based capital ratio | 39.0049% | 281 |
| Memoranda: | ||
| Average total assets | $46,065,600 | 6,869 |
| Average earning assets | $41,537,600 | 6,884 |
| Average equity | $5,002,400 | 6,940 |
| Average total loans | $4,027,600 | 7,916 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1580% | 7,747 |
| Cost of funding earning assets | 1.2286% | 6,806 |
| Net interest margin | 2.9293% | 6,782 |
| Noninterest income to average assets | 0.0668% | 7,575 |
| Noninterest expense to average assets | 1.1188% | 8,007 |
| Loan and lease loss provision to assets | 0.0000% | 7,284 |
| Net operating income to assets | 1.5808% | 686 |
| Return on assets (ROA) | 1.6796% | 622 |
| Pretax return on assets | 1.6796% | 1,013 |
| Return on Equity (ROE) | 15.5443% | 707 |
| Retained earnings to average equity (ytd only) | 15.5443% | 143 |
| Net charge-offs to loans | -0.0644% | 7,886 |
| Credit loss provision to net charge-offs | 0.0000% | 6,657 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4424% | 7,897 |
| Assets per employee ($millions) | 15.0033% | 107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5819% | 7,609 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,475 |
| Noncurrent assets plus other real estate owned to assets | 0.0289% | 7,510 |
| Noncurrent loans to loans | 0.2910% | 6,779 |
| Net loans and leases to total assets | 9.8689% | 8,017 |
| Net loans and leases to deposits | 11.3152% | 8,028 |
| Net loans and leases to core deposits | 20.0379% | 8,004 |
| Total domestic deposits to total assets | 87.2184% | 2,069 |
| Equity capital to assets | 11.9151% | 2,284 |
| Core capital (leverage) ratio | 10.7139% | 2,632 |
| Tier 1 risk-based capital ratio | 40.4641% | 279 |
| Total risk-based capital ratio | 40.6835% | 288 |
| Memoranda: | ||
| Average total assets | $45,883,000 | 6,925 |
| Average earning assets | $41,237,000 | 6,949 |
| Average equity | $4,957,750 | 7,016 |
| Average total loans | $4,144,250 | 7,993 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2633% | 7,793 |
| Cost of funding earning assets | 1.3173% | 6,744 |
| Net interest margin | 2.9460% | 6,692 |
| Noninterest income to average assets | 0.0520% | 7,730 |
| Noninterest expense to average assets | 1.0959% | 8,108 |
| Loan and lease loss provision to assets | 0.0000% | 7,158 |
| Net operating income to assets | 1.6200% | 654 |
| Return on assets (ROA) | 1.7672% | 541 |
| Pretax return on assets | 1.7672% | 905 |
| Return on Equity (ROE) | 16.9201% | 588 |
| Retained earnings to average equity (ytd only) | 16.9201% | 136 |
| Net charge-offs to loans | -0.0991% | 7,950 |
| Credit loss provision to net charge-offs | 0.0000% | 6,237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 40.3509% | 8,013 |
| Assets per employee ($millions) | 15.0630% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5733% | 7,683 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 7,544 |
| Noncurrent loans to loans | 0.2867% | 6,794 |
| Net loans and leases to total assets | 9.9781% | 8,105 |
| Net loans and leases to deposits | 11.3357% | 8,119 |
| Net loans and leases to core deposits | 19.9372% | 8,089 |
| Total domestic deposits to total assets | 88.0236% | 1,760 |
| Equity capital to assets | 11.2550% | 2,710 |
| Core capital (leverage) ratio | 9.9157% | 3,384 |
| Tier 1 risk-based capital ratio | 38.1758% | 344 |
| Total risk-based capital ratio | 38.3904% | 359 |
| Memoranda: | ||
| Average total assets | $46,174,000 | 6,975 |
| Average earning assets | $41,752,000 | 6,978 |
| Average equity | $4,822,670 | 7,133 |
| Average total loans | $4,036,330 | 8,085 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3282% | 7,836 |
| Cost of funding earning assets | 1.4744% | 6,490 |
| Net interest margin | 2.8537% | 6,869 |
| Noninterest income to average assets | 0.0514% | 7,824 |
| Noninterest expense to average assets | 1.1657% | 8,123 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 1.4571% | 1,023 |
| Return on assets (ROA) | 1.4571% | 1,099 |
| Pretax return on assets | 1.4571% | 1,797 |
| Return on Equity (ROE) | 14.4958% | 1,070 |
| Retained earnings to average equity (ytd only) | 14.4958% | 469 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4444% | 7,910 |
| Assets per employee ($millions) | 16.1810% | 103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6008% | 7,655 |
| Loan loss allowance to noncurrent loans | 171.4286% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.0288% | 7,532 |
| Noncurrent loans to loans | 0.3504% | 6,557 |
| Net loans and leases to total assets | 8.1804% | 8,166 |
| Net loans and leases to deposits | 9.1392% | 8,174 |
| Net loans and leases to core deposits | 14.8061% | 8,161 |
| Total domestic deposits to total assets | 89.5083% | 1,003 |
| Equity capital to assets | 9.8758% | 4,149 |
| Core capital (leverage) ratio | 9.4095% | 4,090 |
| Tier 1 risk-based capital ratio | 35.2653% | 427 |
| Total risk-based capital ratio | 35.4582% | 454 |
| Memoranda: | ||
| Average total assets | $46,666,500 | 7,001 |
| Average earning assets | $42,050,000 | 7,016 |
| Average equity | $4,691,000 | 7,226 |
| Average total loans | $3,787,000 | 8,147 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8442% | 7,930 |
| Cost of funding earning assets | 2.3548% | 4,909 |
| Net interest margin | 2.4893% | 7,767 |
| Noninterest income to average assets | 0.0648% | 7,823 |
| Noninterest expense to average assets | 1.2317% | 8,150 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 0.8713% | 3,128 |
| Return on assets (ROA) | 0.9862% | 2,485 |
| Pretax return on assets | 1.3474% | 2,141 |
| Return on Equity (ROE) | 9.3376% | 2,504 |
| Retained earnings to average equity (ytd only) | 1.6659% | 4,217 |
| Net charge-offs to loans | -0.0804% | 8,067 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8604% | 7,598 |
| Assets per employee ($millions) | 14.9300% | 109 |
| Cash dividends to net income (ytd only)* | 82.1596% | 1,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6706% | 7,501 |
| Loan loss allowance to noncurrent loans | 200.0000% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.0268% | 7,489 |
| Noncurrent loans to loans | 0.3353% | 6,375 |
| Net loans and leases to total assets | 7.9370% | 8,218 |
| Net loans and leases to deposits | 8.9470% | 8,230 |
| Net loans and leases to core deposits | 15.2497% | 8,213 |
| Total domestic deposits to total assets | 88.7118% | 1,147 |
| Equity capital to assets | 10.2434% | 3,763 |
| Core capital (leverage) ratio | 9.4871% | 4,026 |
| Tier 1 risk-based capital ratio | 37.2296% | 390 |
| Total risk-based capital ratio | 37.4415% | 412 |
| Memoranda: | ||
| Average total assets | $43,194,000 | 7,068 |
| Average earning assets | $40,894,600 | 7,001 |
| Average equity | $4,562,200 | 7,310 |
| Average total loans | $3,730,400 | 8,200 |