Home > Concordia Bank & Trust Company > Performance and Condition Ratios
Concordia Bank & Trust Company, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4336% | 3,221 |
Cost of funding earning assets | 1.4203% | 2,172 |
Net interest margin | 3.0133% | 3,251 |
Noninterest income to average assets | 1.0600% | 582 |
Noninterest expense to average assets | 2.4995% | 2,298 |
Loan and lease loss provision to assets | 0.1500% | 868 |
Net operating income to assets | 1.2470% | 1,542 |
Return on assets (ROA) | 1.3072% | 1,388 |
Pretax return on assets | 1.3072% | 1,852 |
Return on Equity (ROE) | 16.5300% | 1,013 |
Retained earnings to average equity (ytd only) | 6.3525% | 2,113 |
Net charge-offs to loans | 0.1713% | 620 |
Credit loss provision to net charge-offs | 164.1914% | 1,384 |
Earnings coverage of net charge-offs (x) | 15.4868% | 2,042 |
Efficiency ratio | 64.1821% | 2,587 |
Assets per employee ($millions) | 5.8175% | 2,968 |
Cash dividends to net income (ytd only)* | 61.5804% | 1,127 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0787% | 2,944 |
Loan loss allowance to noncurrent loans | 36.4834% | 3,698 |
Noncurrent assets plus other real estate owned to assets | 1.7914% | 181 |
Noncurrent loans to loans | 2.9568% | 148 |
Net loans and leases to total assets | 53.2700% | 3,401 |
Net loans and leases to deposits | 64.2351% | 3,281 |
Net loans and leases to core deposits | 72.0013% | 3,191 |
Total domestic deposits to total assets | 82.9300% | 2,908 |
Equity capital to assets | 8.2899% | 3,209 |
Core capital (leverage) ratio | 10.3797% | 2,453 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $672,809,800 | 1,347 |
Average earning assets | $632,194,200 | 1,320 |
Average equity | $53,192,000 | 1,527 |
Average total loans | $353,719,800 | 1,600 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3818% | 3,134 |
Cost of funding earning assets | 1.2993% | 2,149 |
Net interest margin | 3.0826% | 3,170 |
Noninterest income to average assets | 1.1800% | 508 |
Noninterest expense to average assets | 2.4846% | 2,285 |
Loan and lease loss provision to assets | 0.0600% | 1,749 |
Net operating income to assets | 1.5444% | 1,035 |
Return on assets (ROA) | 1.5691% | 978 |
Pretax return on assets | 1.5691% | 1,417 |
Return on Equity (ROE) | 20.1000% | 713 |
Retained earnings to average equity (ytd only) | 11.3704% | 1,094 |
Net charge-offs to loans | 0.2246% | 393 |
Credit loss provision to net charge-offs | 47.8778% | 1,904 |
Earnings coverage of net charge-offs (x) | 13.6435% | 2,027 |
Efficiency ratio | 60.8191% | 2,872 |
Assets per employee ($millions) | 5.6847% | 3,036 |
Cash dividends to net income (ytd only)* | 43.4247% | 1,508 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9034% | 3,722 |
Loan loss allowance to noncurrent loans | 39.6290% | 3,706 |
Noncurrent assets plus other real estate owned to assets | 1.4358% | 266 |
Noncurrent loans to loans | 2.2795% | 230 |
Net loans and leases to total assets | 54.2600% | 3,343 |
Net loans and leases to deposits | 63.8754% | 3,278 |
Net loans and leases to core deposits | 70.3968% | 3,190 |
Total domestic deposits to total assets | 84.9500% | 2,515 |
Equity capital to assets | 7.7388% | 3,217 |
Core capital (leverage) ratio | 10.4583% | 2,420 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $669,396,250 | 1,346 |
Average earning assets | $629,981,000 | 1,322 |
Average equity | $52,263,250 | 1,540 |
Average total loans | $349,727,250 | 1,615 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2594% | 3,175 |
Cost of funding earning assets | 1.0899% | 2,314 |
Net interest margin | 3.1695% | 3,061 |
Noninterest income to average assets | 0.4400% | 2,200 |
Noninterest expense to average assets | 2.4066% | 2,463 |
Loan and lease loss provision to assets | 0.0300% | 2,254 |
Net operating income to assets | 0.9883% | 2,461 |
Return on assets (ROA) | 1.0292% | 2,319 |
Pretax return on assets | 1.0292% | 2,831 |
Return on Equity (ROE) | 13.1400% | 1,872 |
Retained earnings to average equity (ytd only) | 2.8290% | 3,528 |
Net charge-offs to loans | 0.3288% | 255 |
Credit loss provision to net charge-offs | 17.8131% | 1,777 |
Earnings coverage of net charge-offs (x) | 6.0247% | 2,143 |
Efficiency ratio | 70.2646% | 1,743 |
Assets per employee ($millions) | 5.7065% | 2,961 |
Cash dividends to net income (ytd only)* | 78.4762% | 583 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8588% | 3,878 |
Loan loss allowance to noncurrent loans | 99.9043% | 3,265 |
Noncurrent assets plus other real estate owned to assets | 0.5943% | 908 |
Noncurrent loans to loans | 0.8596% | 883 |
Net loans and leases to total assets | 54.1500% | 3,264 |
Net loans and leases to deposits | 64.8669% | 3,136 |
Net loans and leases to core deposits | 70.7296% | 3,085 |
Total domestic deposits to total assets | 83.4800% | 2,938 |
Equity capital to assets | 7.7778% | 3,362 |
Core capital (leverage) ratio | 10.1121% | 2,644 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $670,823,667 | 1,348 |
Average earning assets | $632,150,000 | 1,323 |
Average equity | $52,527,000 | 1,536 |
Average total loans | $344,904,000 | 1,617 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1844% | 3,075 |
Cost of funding earning assets | 0.8615% | 2,505 |
Net interest margin | 3.3229% | 2,824 |
Noninterest income to average assets | 0.4500% | 2,092 |
Noninterest expense to average assets | 2.4093% | 2,505 |
Loan and lease loss provision to assets | 0.0300% | 2,084 |
Net operating income to assets | 1.1469% | 2,074 |
Return on assets (ROA) | 1.1588% | 2,008 |
Pretax return on assets | 1.1588% | 2,541 |
Return on Equity (ROE) | 14.7500% | 1,614 |
Retained earnings to average equity (ytd only) | 9.3590% | 1,852 |
Net charge-offs to loans | 0.6818% | 117 |
Credit loss provision to net charge-offs | 8.2312% | 1,407 |
Earnings coverage of net charge-offs (x) | 3.4588% | 1,885 |
Efficiency ratio | 67.2199% | 2,069 |
Assets per employee ($millions) | 5.7733% | 2,960 |
Cash dividends to net income (ytd only)* | 36.5503% | 1,545 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9209% | 3,797 |
Loan loss allowance to noncurrent loans | 119.2860% | 3,204 |
Noncurrent assets plus other real estate owned to assets | 0.5338% | 968 |
Noncurrent loans to loans | 0.7720% | 1,000 |
Net loans and leases to total assets | 50.2500% | 3,475 |
Net loans and leases to deposits | 56.2468% | 3,557 |
Net loans and leases to core deposits | 61.4152% | 3,479 |
Total domestic deposits to total assets | 89.3400% | 1,406 |
Equity capital to assets | 8.1861% | 3,118 |
Core capital (leverage) ratio | 10.0639% | 2,626 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $672,405,500 | 1,357 |
Average earning assets | $634,742,000 | 1,332 |
Average equity | $52,826,000 | 1,543 |
Average total loans | $335,012,500 | 1,665 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6142% | 2,763 |
Cost of funding earning assets | 0.3823% | 2,240 |
Net interest margin | 3.2318% | 2,758 |
Noninterest income to average assets | 0.5900% | 1,691 |
Noninterest expense to average assets | 2.2250% | 2,959 |
Loan and lease loss provision to assets | 0.0100% | 2,705 |
Net operating income to assets | 1.4146% | 1,095 |
Return on assets (ROA) | 1.3691% | 1,170 |
Pretax return on assets | 1.3691% | 1,870 |
Return on Equity (ROE) | 16.0600% | 1,045 |
Retained earnings to average equity (ytd only) | 5.7009% | 2,749 |
Net charge-offs to loans | -0.0054% | 3,655 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 61.0174% | 2,909 |
Assets per employee ($millions) | 6.1309% | 2,650 |
Cash dividends to net income (ytd only)* | 64.4993% | 816 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6499% | 4,290 |
Loan loss allowance to noncurrent loans | 81.7434% | 3,462 |
Noncurrent assets plus other real estate owned to assets | 0.5198% | 978 |
Noncurrent loans to loans | 0.7950% | 937 |
Net loans and leases to total assets | 48.6500% | 3,620 |
Net loans and leases to deposits | 53.9840% | 3,679 |
Net loans and leases to core deposits | 57.3212% | 3,655 |
Total domestic deposits to total assets | 90.1100% | 1,314 |
Equity capital to assets | 7.5401% | 3,363 |
Core capital (leverage) ratio | 10.0178% | 2,620 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $657,126,000 | 1,366 |
Average earning assets | $621,473,200 | 1,350 |
Average equity | $56,026,000 | 1,483 |
Average total loans | $311,987,200 | 1,668 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4653% | 2,731 |
Cost of funding earning assets | 0.3354% | 1,817 |
Net interest margin | 3.1300% | 2,830 |
Noninterest income to average assets | 0.6400% | 1,548 |
Noninterest expense to average assets | 2.2217% | 2,868 |
Loan and lease loss provision to assets | 0.0100% | 2,534 |
Net operating income to assets | 1.3706% | 1,171 |
Return on assets (ROA) | 1.2614% | 1,455 |
Pretax return on assets | 1.2614% | 2,171 |
Return on Equity (ROE) | 14.3600% | 1,335 |
Retained earnings to average equity (ytd only) | 5.3856% | 2,958 |
Net charge-offs to loans | -0.0057% | 3,513 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 61.7169% | 2,862 |
Assets per employee ($millions) | 6.2489% | 2,539 |
Cash dividends to net income (ytd only)* | 62.4858% | 805 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6696% | 4,302 |
Loan loss allowance to noncurrent loans | 89.5713% | 3,456 |
Noncurrent assets plus other real estate owned to assets | 0.5076% | 1,079 |
Noncurrent loans to loans | 0.7476% | 1,087 |
Net loans and leases to total assets | 48.6600% | 3,559 |
Net loans and leases to deposits | 54.0008% | 3,603 |
Net loans and leases to core deposits | 59.0052% | 3,451 |
Total domestic deposits to total assets | 90.1200% | 1,607 |
Equity capital to assets | 7.2992% | 3,336 |
Core capital (leverage) ratio | 10.1001% | 2,447 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $649,743,000 | 1,381 |
Average earning assets | $614,647,500 | 1,368 |
Average equity | $57,088,750 | 1,474 |
Average total loans | $305,930,000 | 1,685 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2652% | 2,856 |
Cost of funding earning assets | 0.3083% | 1,648 |
Net interest margin | 2.9569% | 3,016 |
Noninterest income to average assets | 0.6004% | 1,735 |
Noninterest expense to average assets | 2.2410% | 2,730 |
Loan and lease loss provision to assets | 0.0056% | 2,503 |
Net operating income to assets | 1.1504% | 1,599 |
Return on assets (ROA) | 1.0137% | 2,077 |
Pretax return on assets | 1.0137% | 2,676 |
Return on Equity (ROE) | 10.9063% | 2,013 |
Retained earnings to average equity (ytd only) | 0.2767% | 4,137 |
Net charge-offs to loans | -0.0100% | 3,597 |
Credit loss provision to net charge-offs | -120.0000% | 3,136 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.9704% | 2,514 |
Assets per employee ($millions) | 6.2345% | 2,535 |
Cash dividends to net income (ytd only)* | 97.4633% | 394 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7148% | 4,307 |
Loan loss allowance to noncurrent loans | 84.0280% | 3,505 |
Noncurrent assets plus other real estate owned to assets | 0.5116% | 1,117 |
Noncurrent loans to loans | 0.8506% | 1,007 |
Net loans and leases to total assets | 44.9143% | 3,763 |
Net loans and leases to deposits | 50.2165% | 3,803 |
Net loans and leases to core deposits | 54.8281% | 3,649 |
Total domestic deposits to total assets | 89.4412% | 1,981 |
Equity capital to assets | 7.6234% | 3,394 |
Core capital (leverage) ratio | 10.1528% | 2,231 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $645,528,333 | 1,394 |
Average earning assets | $610,496,333 | 1,384 |
Average equity | $60,002,000 | 1,439 |
Average total loans | $299,732,333 | 1,703 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1610% | 2,794 |
Cost of funding earning assets | 0.3200% | 1,463 |
Net interest margin | 2.8411% | 3,009 |
Noninterest income to average assets | 0.5338% | 1,978 |
Noninterest expense to average assets | 2.2661% | 2,629 |
Loan and lease loss provision to assets | 0.0044% | 2,229 |
Net operating income to assets | 0.9490% | 2,077 |
Return on assets (ROA) | 0.8117% | 2,618 |
Pretax return on assets | 0.8117% | 3,078 |
Return on Equity (ROE) | 7.9783% | 2,700 |
Retained earnings to average equity (ytd only) | 0.2354% | 3,973 |
Net charge-offs to loans | -0.0121% | 3,660 |
Credit loss provision to net charge-offs | -77.7778% | 2,859 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.3856% | 2,177 |
Assets per employee ($millions) | 5.6965% | 3,124 |
Cash dividends to net income (ytd only)* | 97.0497% | 539 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7238% | 4,350 |
Loan loss allowance to noncurrent loans | 76.8319% | 3,590 |
Noncurrent assets plus other real estate owned to assets | 0.7114% | 796 |
Noncurrent loans to loans | 0.9421% | 969 |
Net loans and leases to total assets | 46.3968% | 3,546 |
Net loans and leases to deposits | 52.9154% | 3,499 |
Net loans and leases to core deposits | 58.1252% | 3,295 |
Total domestic deposits to total assets | 87.6811% | 2,675 |
Equity capital to assets | 9.3787% | 2,386 |
Core capital (leverage) ratio | 10.3037% | 2,012 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $634,745,000 | 1,424 |
Average earning assets | $600,055,500 | 1,409 |
Average equity | $64,575,500 | 1,411 |
Average total loans | $298,709,500 | 1,707 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5691% | 2,469 |
Cost of funding earning assets | 0.4025% | 1,528 |
Net interest margin | 3.1666% | 2,691 |
Noninterest income to average assets | 0.7667% | 1,544 |
Noninterest expense to average assets | 2.3123% | 2,760 |
Loan and lease loss provision to assets | 0.0842% | 1,455 |
Net operating income to assets | 1.3570% | 1,419 |
Return on assets (ROA) | 1.4092% | 1,308 |
Pretax return on assets | 1.4092% | 2,020 |
Return on Equity (ROE) | 12.4877% | 1,654 |
Retained earnings to average equity (ytd only) | 4.8829% | 2,830 |
Net charge-offs to loans | 0.0084% | 2,265 |
Credit loss provision to net charge-offs | 1,996.1538% | 316 |
Earnings coverage of net charge-offs (x) | 341.6154% | 364 |
Efficiency ratio | 61.6046% | 2,924 |
Assets per employee ($millions) | 5.6891% | 3,071 |
Cash dividends to net income (ytd only)* | 60.8981% | 1,058 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7035% | 4,409 |
Loan loss allowance to noncurrent loans | 59.2799% | 3,803 |
Noncurrent assets plus other real estate owned to assets | 0.8919% | 658 |
Noncurrent loans to loans | 1.1868% | 811 |
Net loans and leases to total assets | 47.0486% | 3,594 |
Net loans and leases to deposits | 54.6647% | 3,544 |
Net loans and leases to core deposits | 58.7490% | 3,413 |
Total domestic deposits to total assets | 86.0676% | 2,873 |
Equity capital to assets | 10.9621% | 1,814 |
Core capital (leverage) ratio | 10.6175% | 1,826 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $616,300,600 | 1,420 |
Average earning assets | $581,318,400 | 1,409 |
Average equity | $69,548,200 | 1,355 |
Average total loans | $307,855,000 | 1,673 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6586% | 2,385 |
Cost of funding earning assets | 0.4220% | 1,543 |
Net interest margin | 3.2366% | 2,621 |
Noninterest income to average assets | 0.8791% | 1,294 |
Noninterest expense to average assets | 2.3281% | 2,659 |
Loan and lease loss provision to assets | 0.0263% | 2,471 |
Net operating income to assets | 1.5751% | 1,087 |
Return on assets (ROA) | 1.6484% | 964 |
Pretax return on assets | 1.6484% | 1,556 |
Return on Equity (ROE) | 14.4992% | 1,259 |
Retained earnings to average equity (ytd only) | 8.2639% | 1,969 |
Net charge-offs to loans | 0.0078% | 2,026 |
Credit loss provision to net charge-offs | 672.2222% | 658 |
Earnings coverage of net charge-offs (x) | 407.7778% | 351 |
Efficiency ratio | 59.2449% | 3,095 |
Assets per employee ($millions) | 5.6495% | 3,041 |
Cash dividends to net income (ytd only)* | 43.0046% | 1,485 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5612% | 4,660 |
Loan loss allowance to noncurrent loans | 57.2041% | 3,874 |
Noncurrent assets plus other real estate owned to assets | 0.9747% | 691 |
Noncurrent loans to loans | 0.9811% | 1,174 |
Net loans and leases to total assets | 49.4688% | 3,472 |
Net loans and leases to deposits | 58.0806% | 3,402 |
Net loans and leases to core deposits | 64.2024% | 3,119 |
Total domestic deposits to total assets | 85.1727% | 3,056 |
Equity capital to assets | 11.4740% | 1,699 |
Core capital (leverage) ratio | 10.8297% | 1,798 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $611,082,000 | 1,443 |
Average earning assets | $575,935,750 | 1,434 |
Average equity | $69,473,250 | 1,370 |
Average total loans | $309,342,250 | 1,694 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7699% | 2,148 |
Cost of funding earning assets | 0.4427% | 1,574 |
Net interest margin | 3.3273% | 2,355 |
Noninterest income to average assets | 0.4858% | 2,690 |
Noninterest expense to average assets | 2.3123% | 2,731 |
Loan and lease loss provision to assets | 0.0398% | 2,207 |
Net operating income to assets | 1.2732% | 1,940 |
Return on assets (ROA) | 1.3587% | 1,761 |
Pretax return on assets | 1.3587% | 2,441 |
Return on Equity (ROE) | 11.9891% | 2,072 |
Retained earnings to average equity (ytd only) | 4.4523% | 3,379 |
Net charge-offs to loans | 0.0097% | 1,784 |
Credit loss provision to net charge-offs | 806.6667% | 539 |
Earnings coverage of net charge-offs (x) | 265.9333% | 413 |
Efficiency ratio | 63.7825% | 2,460 |
Assets per employee ($millions) | 5.3391% | 3,297 |
Cash dividends to net income (ytd only)* | 62.8634% | 848 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5583% | 4,696 |
Loan loss allowance to noncurrent loans | 47.8908% | 3,984 |
Noncurrent assets plus other real estate owned to assets | 1.0984% | 676 |
Noncurrent loans to loans | 1.1657% | 1,041 |
Net loans and leases to total assets | 50.3924% | 3,521 |
Net loans and leases to deposits | 59.0187% | 3,462 |
Net loans and leases to core deposits | 64.9680% | 3,197 |
Total domestic deposits to total assets | 85.3839% | 2,949 |
Equity capital to assets | 11.2801% | 1,769 |
Core capital (leverage) ratio | 10.3734% | 2,056 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $607,626,667 | 1,444 |
Average earning assets | $573,325,667 | 1,437 |
Average equity | $68,862,667 | 1,372 |
Average total loans | $309,403,667 | 1,703 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8477% | 1,959 |
Cost of funding earning assets | 0.4646% | 1,625 |
Net interest margin | 3.3832% | 2,158 |
Noninterest income to average assets | 0.4301% | 2,931 |
Noninterest expense to average assets | 2.3314% | 2,697 |
Loan and lease loss provision to assets | 0.0046% | 2,697 |
Net operating income to assets | 1.2845% | 1,874 |
Return on assets (ROA) | 1.4221% | 1,592 |
Pretax return on assets | 1.4221% | 2,220 |
Return on Equity (ROE) | 12.5188% | 1,829 |
Retained earnings to average equity (ytd only) | 8.7090% | 2,036 |
Net charge-offs to loans | 0.0013% | 1,894 |
Credit loss provision to net charge-offs | 700.0000% | 510 |
Earnings coverage of net charge-offs (x) | 1,948.0000% | 40 |
Efficiency ratio | 64.3941% | 2,421 |
Assets per employee ($millions) | 5.2270% | 3,403 |
Cash dividends to net income (ytd only)* | 30.4328% | 1,706 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5356% | 4,747 |
Loan loss allowance to noncurrent loans | 46.3760% | 4,032 |
Noncurrent assets plus other real estate owned to assets | 1.1714% | 640 |
Noncurrent loans to loans | 1.1550% | 1,152 |
Net loans and leases to total assets | 49.3139% | 3,686 |
Net loans and leases to deposits | 57.5037% | 3,675 |
Net loans and leases to core deposits | 64.2651% | 3,390 |
Total domestic deposits to total assets | 85.7579% | 2,831 |
Equity capital to assets | 11.0732% | 1,810 |
Core capital (leverage) ratio | 10.4972% | 2,088 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $604,443,500 | 1,438 |
Average earning assets | $569,998,000 | 1,429 |
Average equity | $68,664,500 | 1,370 |
Average total loans | $308,534,000 | 1,705 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8989% | 3,031 |
Cost of funding earning assets | 0.6479% | 2,007 |
Net interest margin | 3.2511% | 3,208 |
Noninterest income to average assets | 0.5177% | 2,556 |
Noninterest expense to average assets | 2.5395% | 2,721 |
Loan and lease loss provision to assets | 0.0990% | 3,099 |
Net operating income to assets | 0.9296% | 2,563 |
Return on assets (ROA) | 0.9133% | 2,773 |
Pretax return on assets | 0.9133% | 3,330 |
Return on Equity (ROE) | 7.5897% | 2,967 |
Retained earnings to average equity (ytd only) | -3.5121% | 4,795 |
Net charge-offs to loans | 0.0700% | 1,791 |
Credit loss provision to net charge-offs | 264.1509% | 1,872 |
Earnings coverage of net charge-offs (x) | 27.4481% | 1,682 |
Efficiency ratio | 71.1731% | 1,785 |
Assets per employee ($millions) | 4.9342% | 3,461 |
Cash dividends to net income (ytd only)* | 146.2744% | 100 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5240% | 4,773 |
Loan loss allowance to noncurrent loans | 28.3702% | 4,297 |
Noncurrent assets plus other real estate owned to assets | 1.6210% | 424 |
Noncurrent loans to loans | 1.8470% | 663 |
Net loans and leases to total assets | 52.2947% | 3,640 |
Net loans and leases to deposits | 61.6060% | 3,637 |
Net loans and leases to core deposits | 66.7551% | 3,482 |
Total domestic deposits to total assets | 84.8858% | 2,808 |
Equity capital to assets | 11.6587% | 1,759 |
Core capital (leverage) ratio | 10.7757% | 1,954 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $565,747,600 | 1,406 |
Average earning assets | $530,811,000 | 1,390 |
Average equity | $68,078,800 | 1,322 |
Average total loans | $302,671,800 | 1,673 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0266% | 2,899 |
Cost of funding earning assets | 0.6945% | 2,054 |
Net interest margin | 3.3322% | 3,092 |
Noninterest income to average assets | 0.5258% | 2,498 |
Noninterest expense to average assets | 2.5805% | 2,595 |
Loan and lease loss provision to assets | 0.0989% | 3,088 |
Net operating income to assets | 0.9698% | 2,452 |
Return on assets (ROA) | 0.8918% | 2,854 |
Pretax return on assets | 0.8918% | 3,398 |
Return on Equity (ROE) | 7.3504% | 3,073 |
Retained earnings to average equity (ytd only) | -3.6555% | 4,802 |
Net charge-offs to loans | 0.0759% | 1,551 |
Credit loss provision to net charge-offs | 242.6901% | 1,949 |
Earnings coverage of net charge-offs (x) | 26.2105% | 1,702 |
Efficiency ratio | 70.7135% | 1,787 |
Assets per employee ($millions) | 4.5997% | 3,724 |
Cash dividends to net income (ytd only)* | 149.7326% | 94 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5046% | 4,811 |
Loan loss allowance to noncurrent loans | 24.4395% | 4,370 |
Noncurrent assets plus other real estate owned to assets | 1.7883% | 426 |
Noncurrent loans to loans | 2.0647% | 584 |
Net loans and leases to total assets | 52.7546% | 3,914 |
Net loans and leases to deposits | 62.7612% | 3,884 |
Net loans and leases to core deposits | 70.9431% | 3,560 |
Total domestic deposits to total assets | 84.0560% | 2,800 |
Equity capital to assets | 12.0646% | 1,635 |
Core capital (leverage) ratio | 10.9223% | 1,938 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $559,160,000 | 1,400 |
Average earning assets | $524,131,250 | 1,391 |
Average equity | $67,840,750 | 1,313 |
Average total loans | $300,523,000 | 1,677 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1581% | 2,888 |
Cost of funding earning assets | 0.7564% | 2,073 |
Net interest margin | 3.4017% | 3,096 |
Noninterest income to average assets | 0.4760% | 2,674 |
Noninterest expense to average assets | 2.5904% | 2,692 |
Loan and lease loss provision to assets | 0.1080% | 2,928 |
Net operating income to assets | 0.9726% | 2,417 |
Return on assets (ROA) | 0.8509% | 2,979 |
Pretax return on assets | 0.8509% | 3,455 |
Return on Equity (ROE) | 6.9997% | 3,130 |
Retained earnings to average equity (ytd only) | -8.1313% | 4,885 |
Net charge-offs to loans | 0.0714% | 1,534 |
Credit loss provision to net charge-offs | 281.3084% | 1,670 |
Earnings coverage of net charge-offs (x) | 28.0467% | 1,475 |
Efficiency ratio | 70.5640% | 1,872 |
Assets per employee ($millions) | 4.6813% | 3,552 |
Cash dividends to net income (ytd only)* | 216.1659% | 85 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4705% | 4,860 |
Loan loss allowance to noncurrent loans | 25.1790% | 4,419 |
Noncurrent assets plus other real estate owned to assets | 1.6664% | 510 |
Noncurrent loans to loans | 1.8685% | 740 |
Net loans and leases to total assets | 53.8291% | 3,888 |
Net loans and leases to deposits | 63.6246% | 3,907 |
Net loans and leases to core deposits | 71.0027% | 3,643 |
Total domestic deposits to total assets | 84.6042% | 2,529 |
Equity capital to assets | 11.6160% | 1,901 |
Core capital (leverage) ratio | 10.7229% | 2,175 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $555,425,333 | 1,381 |
Average earning assets | $521,685,000 | 1,373 |
Average equity | $67,517,000 | 1,307 |
Average total loans | $299,891,000 | 1,663 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0515% | 3,648 |
Cost of funding earning assets | 0.8470% | 2,127 |
Net interest margin | 3.2045% | 3,844 |
Noninterest income to average assets | 0.5799% | 2,131 |
Noninterest expense to average assets | 2.6303% | 2,891 |
Loan and lease loss provision to assets | 0.1061% | 2,357 |
Net operating income to assets | 0.8510% | 2,707 |
Return on assets (ROA) | 0.5703% | 3,749 |
Pretax return on assets | 0.5703% | 3,979 |
Return on Equity (ROE) | 4.5825% | 3,790 |
Retained earnings to average equity (ytd only) | 0.9236% | 3,764 |
Net charge-offs to loans | 0.1393% | 902 |
Credit loss provision to net charge-offs | 141.1765% | 1,617 |
Earnings coverage of net charge-offs (x) | 12.7353% | 1,681 |
Efficiency ratio | 73.3210% | 1,902 |
Assets per employee ($millions) | 4.4913% | 3,271 |
Cash dividends to net income (ytd only)* | 79.8450% | 1,038 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4488% | 4,921 |
Loan loss allowance to noncurrent loans | 28.3483% | 4,419 |
Noncurrent assets plus other real estate owned to assets | 1.5948% | 648 |
Noncurrent loans to loans | 1.5831% | 993 |
Net loans and leases to total assets | 53.2030% | 4,047 |
Net loans and leases to deposits | 63.5969% | 4,002 |
Net loans and leases to core deposits | 73.2086% | 3,683 |
Total domestic deposits to total assets | 83.6566% | 2,902 |
Equity capital to assets | 12.4604% | 1,758 |
Core capital (leverage) ratio | 11.6634% | 1,951 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $542,897,000 | 1,370 |
Average earning assets | $509,541,000 | 1,352 |
Average equity | $67,561,000 | 1,304 |
Average total loans | $292,864,000 | 1,668 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2499% | 3,678 |
Cost of funding earning assets | 0.8828% | 2,270 |
Net interest margin | 3.3671% | 3,834 |
Noninterest income to average assets | 0.7192% | 1,746 |
Noninterest expense to average assets | 2.7384% | 2,779 |
Loan and lease loss provision to assets | 0.0905% | 2,214 |
Net operating income to assets | 1.0504% | 2,653 |
Return on assets (ROA) | 1.1245% | 2,453 |
Pretax return on assets | 1.1245% | 3,096 |
Return on Equity (ROE) | 8.9874% | 2,762 |
Retained earnings to average equity (ytd only) | 1.8311% | 4,067 |
Net charge-offs to loans | 0.0854% | 1,895 |
Credit loss provision to net charge-offs | 197.8903% | 1,341 |
Earnings coverage of net charge-offs (x) | 24.9409% | 1,756 |
Efficiency ratio | 70.5906% | 2,084 |
Assets per employee ($millions) | 4.2669% | 3,558 |
Cash dividends to net income (ytd only)* | 79.6258% | 811 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4413% | 4,955 |
Loan loss allowance to noncurrent loans | 18.6500% | 4,544 |
Noncurrent assets plus other real estate owned to assets | 1.7662% | 503 |
Noncurrent loans to loans | 2.3663% | 490 |
Net loans and leases to total assets | 54.2240% | 4,061 |
Net loans and leases to deposits | 65.0158% | 4,006 |
Net loans and leases to core deposits | 74.3217% | 3,693 |
Total domestic deposits to total assets | 83.4014% | 3,072 |
Equity capital to assets | 12.4281% | 1,865 |
Core capital (leverage) ratio | 12.1238% | 1,698 |
Tier 1 risk-based capital ratio | 18.3882% | 1,668 |
Total risk-based capital ratio | 18.7596% | 1,841 |
Memoranda: | ||
Average total assets | $518,108,400 | 1,379 |
Average earning assets | $486,268,800 | 1,364 |
Average equity | $64,824,400 | 1,297 |
Average total loans | $277,533,400 | 1,702 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2708% | 3,745 |
Cost of funding earning assets | 0.8773% | 2,335 |
Net interest margin | 3.3935% | 3,877 |
Noninterest income to average assets | 0.7409% | 1,620 |
Noninterest expense to average assets | 2.7576% | 2,690 |
Loan and lease loss provision to assets | 0.1024% | 1,875 |
Net operating income to assets | 1.0658% | 2,711 |
Return on assets (ROA) | 1.1257% | 2,561 |
Pretax return on assets | 1.1257% | 3,219 |
Return on Equity (ROE) | 8.9812% | 2,899 |
Retained earnings to average equity (ytd only) | 3.1668% | 3,825 |
Net charge-offs to loans | 0.1040% | 1,432 |
Credit loss provision to net charge-offs | 184.5794% | 1,406 |
Earnings coverage of net charge-offs (x) | 21.0558% | 1,929 |
Efficiency ratio | 70.2437% | 2,083 |
Assets per employee ($millions) | 4.1241% | 3,723 |
Cash dividends to net income (ytd only)* | 64.7398% | 1,123 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4181% | 5,050 |
Loan loss allowance to noncurrent loans | 28.0602% | 4,527 |
Noncurrent assets plus other real estate owned to assets | 1.3096% | 921 |
Noncurrent loans to loans | 1.4900% | 1,016 |
Net loans and leases to total assets | 55.9792% | 4,047 |
Net loans and leases to deposits | 69.4174% | 3,808 |
Net loans and leases to core deposits | 78.5339% | 3,506 |
Total domestic deposits to total assets | 80.6415% | 3,840 |
Equity capital to assets | 12.8110% | 1,724 |
Core capital (leverage) ratio | 12.3657% | 1,648 |
Tier 1 risk-based capital ratio | 18.3628% | 1,720 |
Total risk-based capital ratio | 18.7167% | 1,922 |
Memoranda: | ||
Average total assets | $514,294,750 | 1,397 |
Average earning assets | $482,674,000 | 1,376 |
Average equity | $64,458,750 | 1,303 |
Average total loans | $274,293,500 | 1,729 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2210% | 3,870 |
Cost of funding earning assets | 0.8324% | 2,493 |
Net interest margin | 3.3885% | 3,926 |
Noninterest income to average assets | 0.6867% | 1,773 |
Noninterest expense to average assets | 2.7844% | 2,645 |
Loan and lease loss provision to assets | 0.0732% | 2,351 |
Net operating income to assets | 1.0099% | 2,882 |
Return on assets (ROA) | 1.0756% | 2,690 |
Pretax return on assets | 1.0756% | 3,304 |
Return on Equity (ROE) | 8.6476% | 3,005 |
Retained earnings to average equity (ytd only) | 1.3527% | 4,334 |
Net charge-offs to loans | 0.0112% | 2,730 |
Credit loss provision to net charge-offs | 1,246.6667% | 286 |
Earnings coverage of net charge-offs (x) | 184.5333% | 419 |
Efficiency ratio | 71.9951% | 1,919 |
Assets per employee ($millions) | 4.1230% | 3,696 |
Cash dividends to net income (ytd only)* | 84.3579% | 731 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4270% | 5,086 |
Loan loss allowance to noncurrent loans | 40.3300% | 4,375 |
Noncurrent assets plus other real estate owned to assets | 1.0327% | 1,339 |
Noncurrent loans to loans | 1.0588% | 1,549 |
Net loans and leases to total assets | 54.8518% | 4,154 |
Net loans and leases to deposits | 67.8135% | 3,981 |
Net loans and leases to core deposits | 78.1541% | 3,564 |
Total domestic deposits to total assets | 80.8863% | 3,851 |
Equity capital to assets | 12.5843% | 1,811 |
Core capital (leverage) ratio | 12.2647% | 1,669 |
Tier 1 risk-based capital ratio | 18.2927% | 1,729 |
Total risk-based capital ratio | 18.6491% | 1,924 |
Memoranda: | ||
Average total assets | $511,140,000 | 1,398 |
Average earning assets | $479,797,000 | 1,383 |
Average equity | $63,578,670 | 1,312 |
Average total loans | $267,582,330 | 1,763 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1668% | 3,961 |
Cost of funding earning assets | 0.7918% | 2,584 |
Net interest margin | 3.3750% | 3,961 |
Noninterest income to average assets | 0.7826% | 1,330 |
Noninterest expense to average assets | 2.8750% | 2,343 |
Loan and lease loss provision to assets | 0.0363% | 2,896 |
Net operating income to assets | 1.0359% | 2,720 |
Return on assets (ROA) | 1.0974% | 2,527 |
Pretax return on assets | 1.0974% | 3,157 |
Return on Equity (ROE) | 8.8712% | 2,864 |
Retained earnings to average equity (ytd only) | 5.7335% | 2,577 |
Net charge-offs to loans | 0.0062% | 2,474 |
Credit loss provision to net charge-offs | 1,150.0000% | 332 |
Earnings coverage of net charge-offs (x) | 339.7500% | 236 |
Efficiency ratio | 72.8363% | 1,904 |
Assets per employee ($millions) | 4.1262% | 3,729 |
Cash dividends to net income (ytd only)* | 35.3702% | 2,060 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4158% | 5,159 |
Loan loss allowance to noncurrent loans | 40.9295% | 4,427 |
Noncurrent assets plus other real estate owned to assets | 0.9548% | 1,471 |
Noncurrent loans to loans | 1.0160% | 1,639 |
Net loans and leases to total assets | 51.5275% | 4,374 |
Net loans and leases to deposits | 62.0291% | 4,301 |
Net loans and leases to core deposits | 68.8532% | 4,139 |
Total domestic deposits to total assets | 83.0699% | 3,359 |
Equity capital to assets | 12.6429% | 1,659 |
Core capital (leverage) ratio | 12.4400% | 1,545 |
Tier 1 risk-based capital ratio | 19.5791% | 1,426 |
Total risk-based capital ratio | 19.9171% | 1,576 |
Memoranda: | ||
Average total assets | $506,998,000 | 1,416 |
Average earning assets | $475,376,500 | 1,402 |
Average equity | $62,719,500 | 1,324 |
Average total loans | $258,284,000 | 1,816 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9161% | 4,240 |
Cost of funding earning assets | 0.5951% | 2,759 |
Net interest margin | 3.3210% | 4,201 |
Noninterest income to average assets | 0.6916% | 1,879 |
Noninterest expense to average assets | 2.5859% | 3,375 |
Loan and lease loss provision to assets | 0.0615% | 2,927 |
Net operating income to assets | 1.1547% | 2,362 |
Return on assets (ROA) | 1.1599% | 2,344 |
Pretax return on assets | 1.1599% | 3,059 |
Return on Equity (ROE) | 9.6096% | 2,687 |
Retained earnings to average equity (ytd only) | 2.0452% | 4,340 |
Net charge-offs to loans | 0.0986% | 1,777 |
Credit loss provision to net charge-offs | 127.5720% | 2,067 |
Earnings coverage of net charge-offs (x) | 25.2222% | 1,782 |
Efficiency ratio | 68.0115% | 2,543 |
Assets per employee ($millions) | 4.1857% | 3,631 |
Cash dividends to net income (ytd only)* | 78.7169% | 749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4135% | 5,201 |
Loan loss allowance to noncurrent loans | 51.2445% | 4,299 |
Noncurrent assets plus other real estate owned to assets | 0.8526% | 1,640 |
Noncurrent loans to loans | 0.8068% | 1,990 |
Net loans and leases to total assets | 49.9359% | 4,526 |
Net loans and leases to deposits | 59.6417% | 4,498 |
Net loans and leases to core deposits | 65.7926% | 4,370 |
Total domestic deposits to total assets | 83.7265% | 3,072 |
Equity capital to assets | 12.0981% | 1,822 |
Core capital (leverage) ratio | 12.1438% | 1,645 |
Tier 1 risk-based capital ratio | 19.7978% | 1,341 |
Total risk-based capital ratio | 20.1344% | 1,500 |
Memoranda: | ||
Average total assets | $503,928,200 | 1,400 |
Average earning assets | $472,000,400 | 1,382 |
Average equity | $60,824,600 | 1,303 |
Average total loans | $246,563,400 | 1,841 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8607% | 4,300 |
Cost of funding earning assets | 0.5412% | 2,924 |
Net interest margin | 3.3195% | 4,224 |
Noninterest income to average assets | 0.6655% | 2,001 |
Noninterest expense to average assets | 2.6086% | 3,256 |
Loan and lease loss provision to assets | 0.0697% | 2,575 |
Net operating income to assets | 1.0973% | 2,678 |
Return on assets (ROA) | 1.1042% | 2,658 |
Pretax return on assets | 1.1042% | 3,379 |
Return on Equity (ROE) | 9.1533% | 3,021 |
Retained earnings to average equity (ytd only) | 3.0438% | 4,217 |
Net charge-offs to loans | 0.1269% | 1,248 |
Credit loss provision to net charge-offs | 112.8755% | 2,076 |
Earnings coverage of net charge-offs (x) | 18.9055% | 2,035 |
Efficiency ratio | 69.0921% | 2,341 |
Assets per employee ($millions) | 4.0819% | 3,763 |
Cash dividends to net income (ytd only)* | 66.7467% | 953 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4135% | 5,272 |
Loan loss allowance to noncurrent loans | 31.0260% | 4,726 |
Noncurrent assets plus other real estate owned to assets | 1.1882% | 1,183 |
Noncurrent loans to loans | 1.3327% | 1,251 |
Net loans and leases to total assets | 48.9912% | 4,665 |
Net loans and leases to deposits | 58.4706% | 4,623 |
Net loans and leases to core deposits | 63.9613% | 4,519 |
Total domestic deposits to total assets | 83.7876% | 3,021 |
Equity capital to assets | 12.1619% | 1,795 |
Core capital (leverage) ratio | 12.4092% | 1,551 |
Tier 1 risk-based capital ratio | 20.2425% | 1,287 |
Total risk-based capital ratio | 20.5737% | 1,437 |
Memoranda: | ||
Average total assets | $503,293,000 | 1,406 |
Average earning assets | $471,545,750 | 1,385 |
Average equity | $60,712,500 | 1,303 |
Average total loans | $244,714,250 | 1,857 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7934% | 4,361 |
Cost of funding earning assets | 0.4879% | 3,107 |
Net interest margin | 3.3055% | 4,231 |
Noninterest income to average assets | 0.6550% | 2,069 |
Noninterest expense to average assets | 2.6203% | 3,265 |
Loan and lease loss provision to assets | 0.0729% | 2,431 |
Net operating income to assets | 1.0577% | 2,767 |
Return on assets (ROA) | 1.0672% | 2,725 |
Pretax return on assets | 1.0672% | 3,443 |
Return on Equity (ROE) | 8.8708% | 3,081 |
Retained earnings to average equity (ytd only) | 1.3002% | 4,687 |
Net charge-offs to loans | 0.1357% | 1,107 |
Credit loss provision to net charge-offs | 110.8434% | 1,886 |
Earnings coverage of net charge-offs (x) | 17.1988% | 1,962 |
Efficiency ratio | 69.8585% | 2,338 |
Assets per employee ($millions) | 4.1214% | 3,692 |
Cash dividends to net income (ytd only)* | 85.3432% | 605 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4082% | 5,351 |
Loan loss allowance to noncurrent loans | 30.1961% | 4,754 |
Noncurrent assets plus other real estate owned to assets | 1.2105% | 1,186 |
Noncurrent loans to loans | 1.3517% | 1,255 |
Net loans and leases to total assets | 49.8010% | 4,622 |
Net loans and leases to deposits | 59.2466% | 4,573 |
Net loans and leases to core deposits | 64.3639% | 4,470 |
Total domestic deposits to total assets | 84.0572% | 3,046 |
Equity capital to assets | 12.2493% | 1,697 |
Core capital (leverage) ratio | 12.2129% | 1,591 |
Tier 1 risk-based capital ratio | 20.0859% | 1,304 |
Total risk-based capital ratio | 20.4160% | 1,469 |
Memoranda: | ||
Average total assets | $505,058,670 | 1,399 |
Average earning assets | $473,035,000 | 1,389 |
Average equity | $60,761,330 | 1,303 |
Average total loans | $244,623,330 | 1,869 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7169% | 4,433 |
Cost of funding earning assets | 0.4559% | 3,160 |
Net interest margin | 3.2610% | 4,286 |
Noninterest income to average assets | 0.5293% | 2,634 |
Noninterest expense to average assets | 2.5419% | 3,526 |
Loan and lease loss provision to assets | 0.0344% | 3,047 |
Net operating income to assets | 1.0079% | 2,827 |
Return on assets (ROA) | 1.0266% | 2,762 |
Pretax return on assets | 1.0266% | 3,441 |
Return on Equity (ROE) | 8.6083% | 3,100 |
Retained earnings to average equity (ytd only) | 5.4530% | 2,972 |
Net charge-offs to loans | 0.0213% | 2,075 |
Credit loss provision to net charge-offs | 338.4615% | 756 |
Earnings coverage of net charge-offs (x) | 102.6923% | 603 |
Efficiency ratio | 70.9214% | 2,358 |
Assets per employee ($millions) | 4.3102% | 3,467 |
Cash dividends to net income (ytd only)* | 36.6540% | 1,947 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4168% | 5,416 |
Loan loss allowance to noncurrent loans | 26.2626% | 4,856 |
Noncurrent assets plus other real estate owned to assets | 1.2162% | 1,246 |
Noncurrent loans to loans | 1.5870% | 1,096 |
Net loans and leases to total assets | 48.0437% | 4,694 |
Net loans and leases to deposits | 57.0197% | 4,643 |
Net loans and leases to core deposits | 62.5780% | 4,514 |
Total domestic deposits to total assets | 84.2580% | 3,215 |
Equity capital to assets | 12.0477% | 1,753 |
Core capital (leverage) ratio | 12.0844% | 1,604 |
Tier 1 risk-based capital ratio | 20.0789% | 1,329 |
Total risk-based capital ratio | 20.4108% | 1,470 |
Memoranda: | ||
Average total assets | $512,365,000 | 1,392 |
Average earning assets | $479,974,500 | 1,385 |
Average equity | $61,104,000 | 1,308 |
Average total loans | $244,311,000 | 1,881 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6144% | 4,542 |
Cost of funding earning assets | 0.4430% | 2,847 |
Net interest margin | 3.1714% | 4,517 |
Noninterest income to average assets | 0.5726% | 2,591 |
Noninterest expense to average assets | 2.5695% | 3,545 |
Loan and lease loss provision to assets | 0.0316% | 3,639 |
Net operating income to assets | 0.9370% | 2,511 |
Return on assets (ROA) | 0.9391% | 2,537 |
Pretax return on assets | 0.9391% | 3,783 |
Return on Equity (ROE) | 7.7627% | 2,909 |
Retained earnings to average equity (ytd only) | -0.1997% | 5,063 |
Net charge-offs to loans | 0.0463% | 2,860 |
Credit loss provision to net charge-offs | 151.4019% | 1,763 |
Earnings coverage of net charge-offs (x) | 46.4579% | 1,156 |
Efficiency ratio | 72.1240% | 2,204 |
Assets per employee ($millions) | 4.1971% | 3,661 |
Cash dividends to net income (ytd only)* | 102.5726% | 321 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4007% | 5,487 |
Loan loss allowance to noncurrent loans | 33.0420% | 4,812 |
Noncurrent assets plus other real estate owned to assets | 0.8168% | 1,912 |
Noncurrent loans to loans | 1.2127% | 1,460 |
Net loans and leases to total assets | 46.9498% | 4,832 |
Net loans and leases to deposits | 55.4648% | 4,825 |
Net loans and leases to core deposits | 60.7169% | 4,720 |
Total domestic deposits to total assets | 84.6478% | 2,971 |
Equity capital to assets | 11.8078% | 1,976 |
Core capital (leverage) ratio | 11.8110% | 1,716 |
Tier 1 risk-based capital ratio | 19.8026% | 1,359 |
Total risk-based capital ratio | 20.1243% | 1,501 |
Memoranda: | ||
Average total assets | $513,254,800 | 1,362 |
Average earning assets | $479,909,600 | 1,356 |
Average equity | $62,091,400 | 1,275 |
Average total loans | $231,336,800 | 1,930 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5839% | 4,598 |
Cost of funding earning assets | 0.4386% | 2,824 |
Net interest margin | 3.1454% | 4,589 |
Noninterest income to average assets | 0.6546% | 2,183 |
Noninterest expense to average assets | 2.5649% | 3,517 |
Loan and lease loss provision to assets | 0.0362% | 3,387 |
Net operating income to assets | 0.9982% | 2,563 |
Return on assets (ROA) | 1.0010% | 2,600 |
Pretax return on assets | 1.0010% | 3,689 |
Return on Equity (ROE) | 8.2245% | 3,010 |
Retained earnings to average equity (ytd only) | 1.7134% | 4,740 |
Net charge-offs to loans | 0.0556% | 2,338 |
Credit loss provision to net charge-offs | 146.3158% | 1,720 |
Earnings coverage of net charge-offs (x) | 41.7695% | 1,258 |
Efficiency ratio | 70.6019% | 2,433 |
Assets per employee ($millions) | 4.1810% | 3,682 |
Cash dividends to net income (ytd only)* | 79.1667% | 667 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4163% | 5,550 |
Loan loss allowance to noncurrent loans | 34.6154% | 4,866 |
Noncurrent assets plus other real estate owned to assets | 0.9259% | 1,847 |
Noncurrent loans to loans | 1.2026% | 1,585 |
Net loans and leases to total assets | 45.5837% | 4,959 |
Net loans and leases to deposits | 54.2336% | 4,951 |
Net loans and leases to core deposits | 59.4601% | 4,843 |
Total domestic deposits to total assets | 84.0506% | 3,108 |
Equity capital to assets | 12.3747% | 1,733 |
Core capital (leverage) ratio | 12.1403% | 1,609 |
Tier 1 risk-based capital ratio | 20.8144% | 1,231 |
Total risk-based capital ratio | 21.1440% | 1,346 |
Memoranda: | ||
Average total assets | $511,459,750 | 1,380 |
Average earning assets | $478,827,500 | 1,370 |
Average equity | $62,251,250 | 1,278 |
Average total loans | $227,839,500 | 1,957 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5550% | 4,623 |
Cost of funding earning assets | 0.4299% | 2,802 |
Net interest margin | 3.1251% | 4,618 |
Noninterest income to average assets | 0.6126% | 2,397 |
Noninterest expense to average assets | 2.5359% | 3,626 |
Loan and lease loss provision to assets | 0.0441% | 3,107 |
Net operating income to assets | 0.9580% | 2,619 |
Return on assets (ROA) | 0.9623% | 2,658 |
Pretax return on assets | 0.9623% | 3,718 |
Return on Equity (ROE) | 7.9501% | 3,060 |
Retained earnings to average equity (ytd only) | -0.0291% | 5,084 |
Net charge-offs to loans | 0.0620% | 2,035 |
Credit loss provision to net charge-offs | 161.4286% | 1,454 |
Earnings coverage of net charge-offs (x) | 36.6429% | 1,326 |
Efficiency ratio | 71.6762% | 2,401 |
Assets per employee ($millions) | 4.2462% | 3,525 |
Cash dividends to net income (ytd only)* | 100.3654% | 473 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4285% | 5,586 |
Loan loss allowance to noncurrent loans | 49.5408% | 4,596 |
Noncurrent assets plus other real estate owned to assets | 0.7106% | 2,432 |
Noncurrent loans to loans | 0.8650% | 2,250 |
Net loans and leases to total assets | 44.2809% | 5,027 |
Net loans and leases to deposits | 52.5103% | 5,038 |
Net loans and leases to core deposits | 58.1448% | 4,914 |
Total domestic deposits to total assets | 84.3280% | 3,076 |
Equity capital to assets | 12.2935% | 1,738 |
Core capital (leverage) ratio | 11.9076% | 1,687 |
Tier 1 risk-based capital ratio | 20.7907% | 1,226 |
Total risk-based capital ratio | 21.1241% | 1,359 |
Memoranda: | ||
Average total assets | $511,919,000 | 1,383 |
Average earning assets | $479,212,330 | 1,374 |
Average equity | $61,961,330 | 1,282 |
Average total loans | $225,957,330 | 1,970 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5424% | 4,566 |
Cost of funding earning assets | 0.4188% | 2,825 |
Net interest margin | 3.1236% | 4,588 |
Noninterest income to average assets | 0.6322% | 2,257 |
Noninterest expense to average assets | 2.5180% | 3,753 |
Loan and lease loss provision to assets | 0.0476% | 2,862 |
Net operating income to assets | 0.9854% | 2,367 |
Return on assets (ROA) | 0.9854% | 2,416 |
Pretax return on assets | 0.9854% | 3,426 |
Return on Equity (ROE) | 8.2049% | 2,809 |
Retained earnings to average equity (ytd only) | 4.5179% | 3,162 |
Net charge-offs to loans | 0.1117% | 1,276 |
Credit loss provision to net charge-offs | 96.8254% | 1,639 |
Earnings coverage of net charge-offs (x) | 21.0317% | 1,463 |
Efficiency ratio | 70.9111% | 2,755 |
Assets per employee ($millions) | 4.2563% | 3,577 |
Cash dividends to net income (ytd only)* | 44.9367% | 1,849 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4106% | 5,679 |
Loan loss allowance to noncurrent loans | 45.1047% | 4,751 |
Noncurrent assets plus other real estate owned to assets | 0.7998% | 2,299 |
Noncurrent loans to loans | 0.9103% | 2,213 |
Net loans and leases to total assets | 43.9731% | 5,043 |
Net loans and leases to deposits | 52.0787% | 5,029 |
Net loans and leases to core deposits | 56.2699% | 4,964 |
Total domestic deposits to total assets | 84.4359% | 3,314 |
Equity capital to assets | 12.1975% | 1,711 |
Core capital (leverage) ratio | 11.9493% | 1,662 |
Tier 1 risk-based capital ratio | 21.1447% | 1,203 |
Total risk-based capital ratio | 21.4644% | 1,321 |
Memoranda: | ||
Average total assets | $513,109,500 | 1,385 |
Average earning assets | $479,452,000 | 1,378 |
Average equity | $61,622,000 | 1,287 |
Average total loans | $225,636,500 | 1,981 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5098% | 4,757 |
Cost of funding earning assets | 0.4141% | 2,874 |
Net interest margin | 3.0957% | 4,735 |
Noninterest income to average assets | 0.7365% | 2,009 |
Noninterest expense to average assets | 2.4702% | 4,105 |
Loan and lease loss provision to assets | 0.0120% | 4,136 |
Net operating income to assets | 1.1651% | 1,627 |
Return on assets (ROA) | 1.2080% | 1,565 |
Pretax return on assets | 1.2080% | 2,628 |
Return on Equity (ROE) | 10.0148% | 1,953 |
Retained earnings to average equity (ytd only) | 2.6103% | 4,036 |
Net charge-offs to loans | 0.0272% | 3,491 |
Credit loss provision to net charge-offs | 103.3333% | 2,502 |
Earnings coverage of net charge-offs (x) | 101.0667% | 593 |
Efficiency ratio | 67.7258% | 3,296 |
Assets per employee ($millions) | 4.2600% | 3,514 |
Cash dividends to net income (ytd only)* | 73.9354% | 1,143 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4111% | 5,729 |
Loan loss allowance to noncurrent loans | 26.6284% | 5,144 |
Noncurrent assets plus other real estate owned to assets | 0.9584% | 1,975 |
Noncurrent loans to loans | 1.5437% | 1,292 |
Net loans and leases to total assets | 43.6159% | 5,136 |
Net loans and leases to deposits | 51.5076% | 5,144 |
Net loans and leases to core deposits | 55.8013% | 5,054 |
Total domestic deposits to total assets | 84.6785% | 3,179 |
Equity capital to assets | 11.8233% | 1,920 |
Core capital (leverage) ratio | 11.8057% | 1,720 |
Tier 1 risk-based capital ratio | 21.1000% | 1,193 |
Total risk-based capital ratio | 21.4235% | 1,322 |
Memoranda: | ||
Average total assets | $515,147,800 | 1,333 |
Average earning assets | $484,386,800 | 1,308 |
Average equity | $62,137,800 | 1,262 |
Average total loans | $220,811,600 | 1,971 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5002% | 4,796 |
Cost of funding earning assets | 0.4147% | 2,888 |
Net interest margin | 3.0855% | 4,810 |
Noninterest income to average assets | 0.7662% | 1,910 |
Noninterest expense to average assets | 2.4693% | 4,075 |
Loan and lease loss provision to assets | 0.0096% | 4,049 |
Net operating income to assets | 1.1915% | 1,665 |
Return on assets (ROA) | 1.2182% | 1,677 |
Pretax return on assets | 1.2182% | 2,764 |
Return on Equity (ROE) | 10.0495% | 2,030 |
Retained earnings to average equity (ytd only) | 4.1044% | 3,390 |
Net charge-offs to loans | 0.0109% | 3,548 |
Credit loss provision to net charge-offs | 205.5556% | 1,413 |
Earnings coverage of net charge-offs (x) | 257.7713% | 315 |
Efficiency ratio | 67.2755% | 3,363 |
Assets per employee ($millions) | 4.2588% | 3,490 |
Cash dividends to net income (ytd only)* | 59.1586% | 1,455 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4224% | 5,781 |
Loan loss allowance to noncurrent loans | 28.9345% | 5,197 |
Noncurrent assets plus other real estate owned to assets | 0.9402% | 2,214 |
Noncurrent loans to loans | 1.4598% | 1,482 |
Net loans and leases to total assets | 43.5936% | 5,217 |
Net loans and leases to deposits | 51.9604% | 5,201 |
Net loans and leases to core deposits | 56.3783% | 5,131 |
Total domestic deposits to total assets | 83.8978% | 3,236 |
Equity capital to assets | 12.4615% | 1,802 |
Core capital (leverage) ratio | 12.0486% | 1,642 |
Tier 1 risk-based capital ratio | 21.3994% | 1,207 |
Total risk-based capital ratio | 21.7317% | 1,324 |
Memoranda: | ||
Average total assets | $515,068,250 | 1,336 |
Average earning assets | $484,794,000 | 1,312 |
Average equity | $62,436,000 | 1,261 |
Average total loans | $219,576,250 | 1,984 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4712% | 4,941 |
Cost of funding earning assets | 0.4154% | 2,881 |
Net interest margin | 3.0557% | 4,961 |
Noninterest income to average assets | 0.7781% | 1,816 |
Noninterest expense to average assets | 2.4485% | 4,188 |
Loan and lease loss provision to assets | 0.0070% | 3,929 |
Net operating income to assets | 1.1998% | 1,599 |
Return on assets (ROA) | 1.2184% | 1,635 |
Pretax return on assets | 1.2184% | 2,708 |
Return on Equity (ROE) | 10.1452% | 1,985 |
Retained earnings to average equity (ytd only) | 2.7217% | 4,175 |
Net charge-offs to loans | 0.0156% | 3,213 |
Credit loss provision to net charge-offs | 105.8824% | 2,019 |
Earnings coverage of net charge-offs (x) | 183.2941% | 356 |
Efficiency ratio | 66.9845% | 3,541 |
Assets per employee ($millions) | 4.2205% | 3,521 |
Cash dividends to net income (ytd only)* | 73.1723% | 1,082 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4235% | 5,864 |
Loan loss allowance to noncurrent loans | 41.2367% | 5,025 |
Noncurrent assets plus other real estate owned to assets | 0.7582% | 2,707 |
Noncurrent loans to loans | 1.0271% | 2,232 |
Net loans and leases to total assets | 43.0336% | 5,280 |
Net loans and leases to deposits | 51.2736% | 5,285 |
Net loans and leases to core deposits | 56.1492% | 5,161 |
Total domestic deposits to total assets | 83.9294% | 3,293 |
Equity capital to assets | 12.2958% | 1,907 |
Core capital (leverage) ratio | 11.6246% | 1,894 |
Tier 1 risk-based capital ratio | 21.5329% | 1,194 |
Total risk-based capital ratio | 21.8668% | 1,308 |
Memoranda: | ||
Average total assets | $516,404,000 | 1,339 |
Average earning assets | $486,233,000 | 1,312 |
Average equity | $62,019,330 | 1,272 |
Average total loans | $218,190,000 | 1,997 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4454% | 5,016 |
Cost of funding earning assets | 0.4175% | 2,881 |
Net interest margin | 3.0278% | 5,050 |
Noninterest income to average assets | 0.9268% | 1,245 |
Noninterest expense to average assets | 2.4036% | 4,356 |
Loan and lease loss provision to assets | 0.0008% | 3,654 |
Net operating income to assets | 1.3764% | 1,084 |
Return on assets (ROA) | 1.3802% | 1,133 |
Pretax return on assets | 1.3802% | 1,962 |
Return on Equity (ROE) | 11.6266% | 1,417 |
Retained earnings to average equity (ytd only) | 8.5051% | 1,263 |
Net charge-offs to loans | 0.0092% | 2,820 |
Credit loss provision to net charge-offs | 20.0000% | 2,294 |
Earnings coverage of net charge-offs (x) | 359.0000% | 163 |
Efficiency ratio | 63.5755% | 4,194 |
Assets per employee ($millions) | 4.3571% | 3,310 |
Cash dividends to net income (ytd only)* | 26.8482% | 2,428 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4318% | 5,926 |
Loan loss allowance to noncurrent loans | 43.0037% | 5,002 |
Noncurrent assets plus other real estate owned to assets | 0.7259% | 2,901 |
Noncurrent loans to loans | 1.0042% | 2,374 |
Net loans and leases to total assets | 41.0006% | 5,400 |
Net loans and leases to deposits | 48.8072% | 5,392 |
Net loans and leases to core deposits | 53.2044% | 5,303 |
Total domestic deposits to total assets | 84.0052% | 3,516 |
Equity capital to assets | 12.0425% | 2,006 |
Core capital (leverage) ratio | 11.5760% | 1,923 |
Tier 1 risk-based capital ratio | 21.9910% | 1,158 |
Total risk-based capital ratio | 22.3275% | 1,279 |
Memoranda: | ||
Average total assets | $521,377,000 | 1,331 |
Average earning assets | $491,441,500 | 1,299 |
Average equity | $61,892,500 | 1,267 |
Average total loans | $217,848,000 | 1,999 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4009% | 5,157 |
Cost of funding earning assets | 0.4562% | 2,567 |
Net interest margin | 2.9447% | 5,263 |
Noninterest income to average assets | 0.6622% | 2,395 |
Noninterest expense to average assets | 2.3738% | 4,578 |
Loan and lease loss provision to assets | 0.0100% | 4,203 |
Net operating income to assets | 1.0456% | 2,148 |
Return on assets (ROA) | 1.0526% | 2,203 |
Pretax return on assets | 1.0526% | 3,259 |
Return on Equity (ROE) | 9.0843% | 2,416 |
Retained earnings to average equity (ytd only) | 1.9414% | 4,623 |
Net charge-offs to loans | 0.0160% | 3,969 |
Credit loss provision to net charge-offs | 147.2222% | 1,806 |
Earnings coverage of net charge-offs (x) | 154.8611% | 411 |
Efficiency ratio | 69.2176% | 3,361 |
Assets per employee ($millions) | 4.4429% | 3,134 |
Cash dividends to net income (ytd only)* | 78.6292% | 910 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4168% | 5,983 |
Loan loss allowance to noncurrent loans | 51.7897% | 4,836 |
Noncurrent assets plus other real estate owned to assets | 0.6716% | 3,027 |
Noncurrent loans to loans | 0.8047% | 2,773 |
Net loans and leases to total assets | 42.2047% | 5,400 |
Net loans and leases to deposits | 49.8287% | 5,401 |
Net loans and leases to core deposits | 54.2261% | 5,300 |
Total domestic deposits to total assets | 84.6995% | 3,206 |
Equity capital to assets | 11.7013% | 2,194 |
Core capital (leverage) ratio | 11.4076% | 2,037 |
Tier 1 risk-based capital ratio | 21.0104% | 1,297 |
Total risk-based capital ratio | 21.3405% | 1,446 |
Memoranda: | ||
Average total assets | $528,097,800 | 1,282 |
Average earning assets | $496,284,600 | 1,261 |
Average equity | $61,193,800 | 1,237 |
Average total loans | $224,610,200 | 1,896 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3854% | 5,231 |
Cost of funding earning assets | 0.4670% | 2,517 |
Net interest margin | 2.9183% | 5,375 |
Noninterest income to average assets | 0.6726% | 2,371 |
Noninterest expense to average assets | 2.3919% | 4,535 |
Loan and lease loss provision to assets | 0.0088% | 4,088 |
Net operating income to assets | 1.0121% | 2,415 |
Return on assets (ROA) | 1.0214% | 2,463 |
Pretax return on assets | 1.0214% | 3,534 |
Return on Equity (ROE) | 8.8362% | 2,660 |
Retained earnings to average equity (ytd only) | 3.6583% | 3,860 |
Net charge-offs to loans | 0.0095% | 3,836 |
Credit loss provision to net charge-offs | 218.7500% | 1,244 |
Earnings coverage of net charge-offs (x) | 253.2208% | 275 |
Efficiency ratio | 70.0857% | 3,196 |
Assets per employee ($millions) | 4.3245% | 3,279 |
Cash dividends to net income (ytd only)* | 58.5987% | 1,481 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4152% | 6,082 |
Loan loss allowance to noncurrent loans | 56.9675% | 4,783 |
Noncurrent assets plus other real estate owned to assets | 0.6544% | 3,292 |
Noncurrent loans to loans | 0.7288% | 3,149 |
Net loans and leases to total assets | 42.8950% | 5,433 |
Net loans and leases to deposits | 50.9299% | 5,425 |
Net loans and leases to core deposits | 55.8226% | 5,317 |
Total domestic deposits to total assets | 84.2236% | 3,331 |
Equity capital to assets | 11.9399% | 2,147 |
Core capital (leverage) ratio | 11.4838% | 2,054 |
Tier 1 risk-based capital ratio | 21.1304% | 1,323 |
Total risk-based capital ratio | 21.4604% | 1,469 |
Memoranda: | ||
Average total assets | $529,057,500 | 1,285 |
Average earning assets | $496,752,500 | 1,265 |
Average equity | $61,156,000 | 1,239 |
Average total loans | $225,215,750 | 1,902 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3376% | 5,368 |
Cost of funding earning assets | 0.4749% | 2,471 |
Net interest margin | 2.8628% | 5,510 |
Noninterest income to average assets | 0.6078% | 2,688 |
Noninterest expense to average assets | 2.3259% | 4,781 |
Loan and lease loss provision to assets | 0.0034% | 4,019 |
Net operating income to assets | 0.9665% | 2,556 |
Return on assets (ROA) | 0.9755% | 2,618 |
Pretax return on assets | 0.9755% | 3,675 |
Return on Equity (ROE) | 8.5305% | 2,782 |
Retained earnings to average equity (ytd only) | 2.1252% | 4,647 |
Net charge-offs to loans | 0.0062% | 3,684 |
Credit loss provision to net charge-offs | 128.5714% | 1,709 |
Earnings coverage of net charge-offs (x) | 368.8571% | 186 |
Efficiency ratio | 70.5721% | 3,245 |
Assets per employee ($millions) | 4.2850% | 3,329 |
Cash dividends to net income (ytd only)* | 75.0866% | 1,046 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3937% | 6,168 |
Loan loss allowance to noncurrent loans | 25.1451% | 5,596 |
Noncurrent assets plus other real estate owned to assets | 1.0936% | 2,322 |
Noncurrent loans to loans | 1.5659% | 1,685 |
Net loans and leases to total assets | 44.0362% | 5,379 |
Net loans and leases to deposits | 52.1329% | 5,374 |
Net loans and leases to core deposits | 57.7528% | 5,212 |
Total domestic deposits to total assets | 84.4690% | 3,366 |
Equity capital to assets | 11.6668% | 2,272 |
Core capital (leverage) ratio | 11.0678% | 2,361 |
Tier 1 risk-based capital ratio | 20.9657% | 1,371 |
Total risk-based capital ratio | 21.2926% | 1,507 |
Memoranda: | ||
Average total assets | $532,429,670 | 1,286 |
Average earning assets | $499,936,330 | 1,264 |
Average equity | $60,887,670 | 1,254 |
Average total loans | $225,778,330 | 1,911 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2925% | 5,469 |
Cost of funding earning assets | 0.4841% | 2,427 |
Net interest margin | 2.8084% | 5,622 |
Noninterest income to average assets | 0.5323% | 3,073 |
Noninterest expense to average assets | 2.2455% | 5,017 |
Loan and lease loss provision to assets | 0.0030% | 3,671 |
Net operating income to assets | 0.9187% | 2,657 |
Return on assets (ROA) | 0.9240% | 2,758 |
Pretax return on assets | 0.9240% | 3,800 |
Return on Equity (ROE) | 8.1596% | 2,878 |
Retained earnings to average equity (ytd only) | 5.3652% | 2,853 |
Net charge-offs to loans | 0.0090% | 3,031 |
Credit loss provision to net charge-offs | 80.0000% | 1,825 |
Earnings coverage of net charge-offs (x) | 247.6000% | 227 |
Efficiency ratio | 70.8980% | 3,334 |
Assets per employee ($millions) | 4.4649% | 3,109 |
Cash dividends to net income (ytd only)* | 34.2466% | 2,218 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4074% | 6,235 |
Loan loss allowance to noncurrent loans | 32.8509% | 5,479 |
Noncurrent assets plus other real estate owned to assets | 0.9250% | 2,784 |
Noncurrent loans to loans | 1.2401% | 2,305 |
Net loans and leases to total assets | 41.4290% | 5,523 |
Net loans and leases to deposits | 48.7928% | 5,527 |
Net loans and leases to core deposits | 53.6719% | 5,385 |
Total domestic deposits to total assets | 84.9081% | 3,453 |
Equity capital to assets | 11.4245% | 2,534 |
Core capital (leverage) ratio | 10.8697% | 2,554 |
Tier 1 risk-based capital ratio | 21.5893% | 1,305 |
Total risk-based capital ratio | 21.9241% | 1,453 |
Memoranda: | ||
Average total assets | $537,257,000 | 1,274 |
Average earning assets | $504,061,000 | 1,256 |
Average equity | $60,836,000 | 1,258 |
Average total loans | $223,107,500 | 1,929 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3467% | 5,628 |
Cost of funding earning assets | 0.5320% | 2,366 |
Net interest margin | 2.8147% | 5,783 |
Noninterest income to average assets | 0.6298% | 2,679 |
Noninterest expense to average assets | 2.3276% | 5,038 |
Loan and lease loss provision to assets | 0.0122% | 4,379 |
Net operating income to assets | 0.9310% | 2,719 |
Return on assets (ROA) | 0.9359% | 2,787 |
Pretax return on assets | 0.9359% | 3,758 |
Return on Equity (ROE) | 8.3067% | 2,962 |
Retained earnings to average equity (ytd only) | 0.6161% | 5,489 |
Net charge-offs to loans | 0.0418% | 3,987 |
Credit loss provision to net charge-offs | 69.8925% | 3,081 |
Earnings coverage of net charge-offs (x) | 54.2043% | 864 |
Efficiency ratio | 71.1630% | 3,344 |
Assets per employee ($millions) | 4.6442% | 2,805 |
Cash dividends to net income (ytd only)* | 92.5830% | 518 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4070% | 6,319 |
Loan loss allowance to noncurrent loans | 36.7570% | 5,468 |
Noncurrent assets plus other real estate owned to assets | 0.8728% | 3,027 |
Noncurrent loans to loans | 1.1073% | 2,615 |
Net loans and leases to total assets | 41.2875% | 5,671 |
Net loans and leases to deposits | 48.3744% | 5,663 |
Net loans and leases to core deposits | 52.9378% | 5,568 |
Total domestic deposits to total assets | 85.3499% | 3,141 |
Equity capital to assets | 11.2230% | 2,675 |
Core capital (leverage) ratio | 10.8894% | 2,504 |
Tier 1 risk-based capital ratio | 21.8091% | 1,252 |
Total risk-based capital ratio | 22.1970% | 1,384 |
Memoranda: | ||
Average total assets | $534,458,400 | 1,254 |
Average earning assets | $501,482,800 | 1,228 |
Average equity | $60,216,400 | 1,220 |
Average total loans | $222,676,400 | 1,885 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3355% | 5,696 |
Cost of funding earning assets | 0.5372% | 2,398 |
Net interest margin | 2.7983% | 5,871 |
Noninterest income to average assets | 0.6374% | 2,637 |
Noninterest expense to average assets | 2.3659% | 4,925 |
Loan and lease loss provision to assets | 0.0140% | 4,132 |
Net operating income to assets | 0.8866% | 2,978 |
Return on assets (ROA) | 0.8931% | 3,046 |
Pretax return on assets | 0.8931% | 4,018 |
Return on Equity (ROE) | 7.9193% | 3,252 |
Retained earnings to average equity (ytd only) | 1.7000% | 5,198 |
Net charge-offs to loans | 0.0413% | 3,673 |
Credit loss provision to net charge-offs | 81.1594% | 2,573 |
Earnings coverage of net charge-offs (x) | 52.2161% | 949 |
Efficiency ratio | 72.4288% | 3,102 |
Assets per employee ($millions) | 4.4281% | 3,090 |
Cash dividends to net income (ytd only)* | 78.5335% | 780 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4173% | 6,397 |
Loan loss allowance to noncurrent loans | 48.8127% | 5,187 |
Noncurrent assets plus other real estate owned to assets | 0.7745% | 3,496 |
Noncurrent loans to loans | 0.8549% | 3,429 |
Net loans and leases to total assets | 41.8898% | 5,681 |
Net loans and leases to deposits | 49.5350% | 5,678 |
Net loans and leases to core deposits | 54.5300% | 5,530 |
Total domestic deposits to total assets | 84.5661% | 3,518 |
Equity capital to assets | 11.5453% | 2,434 |
Core capital (leverage) ratio | 11.0672% | 2,419 |
Tier 1 risk-based capital ratio | 22.3211% | 1,217 |
Total risk-based capital ratio | 22.7188% | 1,327 |
Memoranda: | ||
Average total assets | $533,391,750 | 1,262 |
Average earning assets | $501,148,500 | 1,238 |
Average equity | $60,155,250 | 1,220 |
Average total loans | $222,511,750 | 1,893 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3075% | 5,776 |
Cost of funding earning assets | 0.5427% | 2,408 |
Net interest margin | 2.7648% | 5,967 |
Noninterest income to average assets | 0.6080% | 2,778 |
Noninterest expense to average assets | 2.3266% | 5,091 |
Loan and lease loss provision to assets | 0.0082% | 4,070 |
Net operating income to assets | 0.8702% | 2,955 |
Return on assets (ROA) | 0.8787% | 3,001 |
Pretax return on assets | 0.8787% | 3,965 |
Return on Equity (ROE) | 7.8528% | 3,184 |
Retained earnings to average equity (ytd only) | 0.1235% | 5,649 |
Net charge-offs to loans | 0.0260% | 3,676 |
Credit loss provision to net charge-offs | 75.8621% | 2,378 |
Earnings coverage of net charge-offs (x) | 81.1034% | 653 |
Efficiency ratio | 72.5938% | 3,227 |
Assets per employee ($millions) | 4.3938% | 3,098 |
Cash dividends to net income (ytd only)* | 98.4275% | 551 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4155% | 6,480 |
Loan loss allowance to noncurrent loans | 38.6694% | 5,540 |
Noncurrent assets plus other real estate owned to assets | 0.8558% | 3,400 |
Noncurrent loans to loans | 1.0744% | 3,081 |
Net loans and leases to total assets | 41.9279% | 5,683 |
Net loans and leases to deposits | 49.5017% | 5,671 |
Net loans and leases to core deposits | 54.8278% | 5,502 |
Total domestic deposits to total assets | 84.7000% | 3,640 |
Equity capital to assets | 11.3122% | 2,597 |
Core capital (leverage) ratio | 10.8256% | 2,599 |
Tier 1 risk-based capital ratio | 21.8362% | 1,282 |
Total risk-based capital ratio | 22.2291% | 1,426 |
Memoranda: | ||
Average total assets | $535,539,330 | 1,253 |
Average earning assets | $503,043,330 | 1,225 |
Average equity | $59,927,670 | 1,216 |
Average total loans | $222,794,670 | 1,881 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2578% | 5,920 |
Cost of funding earning assets | 0.5537% | 2,397 |
Net interest margin | 2.7041% | 6,107 |
Noninterest income to average assets | 0.5879% | 2,804 |
Noninterest expense to average assets | 2.1954% | 5,473 |
Loan and lease loss provision to assets | 0.0015% | 3,810 |
Net operating income to assets | 0.9317% | 2,497 |
Return on assets (ROA) | 0.9414% | 2,520 |
Pretax return on assets | 0.9414% | 3,550 |
Return on Equity (ROE) | 8.4586% | 2,706 |
Retained earnings to average equity (ytd only) | -3.7512% | 6,035 |
Net charge-offs to loans | 0.0342% | 2,917 |
Credit loss provision to net charge-offs | 10.5263% | 2,601 |
Earnings coverage of net charge-offs (x) | 66.0000% | 614 |
Efficiency ratio | 70.1713% | 3,811 |
Assets per employee ($millions) | 4.4788% | 3,003 |
Cash dividends to net income (ytd only)* | 144.3478% | 421 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4157% | 6,554 |
Loan loss allowance to noncurrent loans | 34.7170% | 5,728 |
Noncurrent assets plus other real estate owned to assets | 0.9405% | 3,371 |
Noncurrent loans to loans | 1.1975% | 3,044 |
Net loans and leases to total assets | 41.0046% | 5,748 |
Net loans and leases to deposits | 48.4376% | 5,706 |
Net loans and leases to core deposits | 53.6109% | 5,528 |
Total domestic deposits to total assets | 84.6545% | 4,019 |
Equity capital to assets | 11.0839% | 2,642 |
Core capital (leverage) ratio | 10.6360% | 2,774 |
Tier 1 risk-based capital ratio | 22.0430% | 1,289 |
Total risk-based capital ratio | 22.4419% | 1,410 |
Memoranda: | ||
Average total assets | $537,485,000 | 1,258 |
Average earning assets | $505,005,500 | 1,225 |
Average equity | $59,821,000 | 1,220 |
Average total loans | $222,272,500 | 1,883 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3899% | 5,860 |
Cost of funding earning assets | 0.6100% | 2,572 |
Net interest margin | 2.7799% | 6,013 |
Noninterest income to average assets | 0.6316% | 2,906 |
Noninterest expense to average assets | 2.1566% | 5,719 |
Loan and lease loss provision to assets | 0.0484% | 4,162 |
Net operating income to assets | 1.0454% | 2,133 |
Return on assets (ROA) | 1.0478% | 2,195 |
Pretax return on assets | 1.0398% | 3,192 |
Return on Equity (ROE) | 9.4174% | 2,363 |
Retained earnings to average equity (ytd only) | 3.8858% | 3,437 |
Net charge-offs to loans | 0.0816% | 4,072 |
Credit loss provision to net charge-offs | 139.3443% | 1,675 |
Earnings coverage of net charge-offs (x) | 31.2350% | 1,143 |
Efficiency ratio | 66.5124% | 4,467 |
Assets per employee ($millions) | 4.5169% | 2,872 |
Cash dividends to net income (ytd only)* | 58.7382% | 1,828 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4202% | 6,625 |
Loan loss allowance to noncurrent loans | 23.3333% | 6,106 |
Noncurrent assets plus other real estate owned to assets | 1.1562% | 3,085 |
Noncurrent loans to loans | 1.8007% | 2,234 |
Net loans and leases to total assets | 41.3580% | 5,866 |
Net loans and leases to deposits | 48.7745% | 5,845 |
Net loans and leases to core deposits | 55.0659% | 5,612 |
Total domestic deposits to total assets | 84.7943% | 3,851 |
Equity capital to assets | 11.1757% | 2,448 |
Core capital (leverage) ratio | 10.8755% | 2,505 |
Tier 1 risk-based capital ratio | 22.3982% | 1,191 |
Total risk-based capital ratio | 22.8015% | 1,308 |
Memoranda: | ||
Average total assets | $526,423,200 | 1,264 |
Average earning assets | $494,410,600 | 1,231 |
Average equity | $58,572,600 | 1,233 |
Average total loans | $224,162,400 | 1,825 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4222% | 5,839 |
Cost of funding earning assets | 0.6255% | 2,601 |
Net interest margin | 2.7967% | 6,023 |
Noninterest income to average assets | 0.6335% | 2,967 |
Noninterest expense to average assets | 2.1874% | 5,632 |
Loan and lease loss provision to assets | 0.0341% | 4,333 |
Net operating income to assets | 1.0477% | 2,191 |
Return on assets (ROA) | 1.0513% | 2,261 |
Pretax return on assets | 1.0406% | 3,336 |
Return on Equity (ROE) | 9.4594% | 2,417 |
Retained earnings to average equity (ytd only) | 3.0218% | 4,512 |
Net charge-offs to loans | 0.0398% | 4,349 |
Credit loss provision to net charge-offs | 200.0000% | 1,204 |
Earnings coverage of net charge-offs (x) | 62.7918% | 731 |
Efficiency ratio | 67.1277% | 4,278 |
Assets per employee ($millions) | 4.6635% | 2,628 |
Cash dividends to net income (ytd only)* | 68.0551% | 1,148 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4146% | 6,713 |
Loan loss allowance to noncurrent loans | 24.7018% | 6,144 |
Noncurrent assets plus other real estate owned to assets | 1.0171% | 3,619 |
Noncurrent loans to loans | 1.6785% | 2,675 |
Net loans and leases to total assets | 42.4782% | 5,859 |
Net loans and leases to deposits | 50.4551% | 5,804 |
Net loans and leases to core deposits | 56.2891% | 5,598 |
Total domestic deposits to total assets | 84.1902% | 4,115 |
Equity capital to assets | 11.2090% | 2,557 |
Core capital (leverage) ratio | 10.9286% | 2,553 |
Tier 1 risk-based capital ratio | 22.1875% | 1,288 |
Total risk-based capital ratio | 22.5851% | 1,397 |
Memoranda: | ||
Average total assets | $523,650,000 | 1,281 |
Average earning assets | $491,526,000 | 1,249 |
Average equity | $58,198,000 | 1,245 |
Average total loans | $224,392,000 | 1,827 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4291% | 5,842 |
Cost of funding earning assets | 0.6395% | 2,590 |
Net interest margin | 2.7896% | 6,025 |
Noninterest income to average assets | 0.6273% | 3,033 |
Noninterest expense to average assets | 2.1866% | 5,662 |
Loan and lease loss provision to assets | 0.0276% | 4,379 |
Net operating income to assets | 1.0487% | 2,115 |
Return on assets (ROA) | 1.0541% | 2,216 |
Pretax return on assets | 1.0380% | 3,341 |
Return on Equity (ROE) | 9.5117% | 2,413 |
Retained earnings to average equity (ytd only) | 1.2917% | 5,377 |
Net charge-offs to loans | 0.0116% | 4,642 |
Credit loss provision to net charge-offs | 553.8462% | 518 |
Earnings coverage of net charge-offs (x) | 213.0769% | 246 |
Efficiency ratio | 67.3465% | 4,301 |
Assets per employee ($millions) | 4.4746% | 2,852 |
Cash dividends to net income (ytd only)* | 86.4198% | 759 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4067% | 6,767 |
Loan loss allowance to noncurrent loans | 23.9751% | 6,208 |
Noncurrent assets plus other real estate owned to assets | 1.1576% | 3,435 |
Noncurrent loans to loans | 1.6965% | 2,768 |
Net loans and leases to total assets | 43.9664% | 5,742 |
Net loans and leases to deposits | 52.1842% | 5,675 |
Net loans and leases to core deposits | 56.9470% | 5,527 |
Total domestic deposits to total assets | 84.2523% | 4,219 |
Equity capital to assets | 11.3171% | 2,446 |
Core capital (leverage) ratio | 10.7111% | 2,656 |
Tier 1 risk-based capital ratio | 21.9205% | 1,298 |
Total risk-based capital ratio | 22.3181% | 1,447 |
Memoranda: | ||
Average total assets | $522,540,670 | 1,281 |
Average earning assets | $490,678,000 | 1,252 |
Average equity | $57,907,670 | 1,253 |
Average total loans | $224,261,670 | 1,826 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4514% | 5,829 |
Cost of funding earning assets | 0.6470% | 2,690 |
Net interest margin | 2.8044% | 6,024 |
Noninterest income to average assets | 0.5964% | 3,166 |
Noninterest expense to average assets | 2.1652% | 5,770 |
Loan and lease loss provision to assets | 0.0008% | 4,405 |
Net operating income to assets | 1.0932% | 1,883 |
Return on assets (ROA) | 1.1016% | 1,952 |
Pretax return on assets | 1.0697% | 3,077 |
Return on Equity (ROE) | 10.0444% | 2,045 |
Retained earnings to average equity (ytd only) | -3.4636% | 6,230 |
Net charge-offs to loans | -0.0682% | 6,265 |
Credit loss provision to net charge-offs | -2.6316% | 4,948 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.0904% | 4,476 |
Assets per employee ($millions) | 4.6220% | 2,770 |
Cash dividends to net income (ytd only)* | 134.4828% | 421 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4055% | 6,847 |
Loan loss allowance to noncurrent loans | 22.5044% | 6,282 |
Noncurrent assets plus other real estate owned to assets | 1.2266% | 3,517 |
Noncurrent loans to loans | 1.8017% | 2,858 |
Net loans and leases to total assets | 42.1438% | 5,834 |
Net loans and leases to deposits | 49.9589% | 5,787 |
Net loans and leases to core deposits | 54.6973% | 5,626 |
Total domestic deposits to total assets | 84.3568% | 4,331 |
Equity capital to assets | 10.9130% | 3,060 |
Core capital (leverage) ratio | 10.3803% | 2,930 |
Tier 1 risk-based capital ratio | 21.8155% | 1,368 |
Total risk-based capital ratio | 22.2123% | 1,521 |
Memoranda: | ||
Average total assets | $526,519,000 | 1,285 |
Average earning assets | $493,939,500 | 1,254 |
Average equity | $57,743,500 | 1,263 |
Average total loans | $222,808,500 | 1,848 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8524% | 5,703 |
Cost of funding earning assets | 0.8028% | 2,643 |
Net interest margin | 3.0496% | 5,931 |
Noninterest income to average assets | 0.6080% | 3,237 |
Noninterest expense to average assets | 2.3260% | 5,622 |
Loan and lease loss provision to assets | 0.0553% | 5,103 |
Net operating income to assets | 1.0429% | 2,155 |
Return on assets (ROA) | 1.0450% | 2,344 |
Pretax return on assets | 1.0818% | 3,222 |
Return on Equity (ROE) | 9.4627% | 2,422 |
Retained earnings to average equity (ytd only) | 1.2419% | 5,248 |
Net charge-offs to loans | 0.1230% | 4,449 |
Credit loss provision to net charge-offs | 101.0676% | 2,997 |
Earnings coverage of net charge-offs (x) | 20.7331% | 1,338 |
Efficiency ratio | 67.2052% | 4,292 |
Assets per employee ($millions) | 4.4969% | 2,966 |
Cash dividends to net income (ytd only)* | 86.8755% | 798 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3885% | 6,903 |
Loan loss allowance to noncurrent loans | 20.6001% | 6,374 |
Noncurrent assets plus other real estate owned to assets | 1.2223% | 3,616 |
Noncurrent loans to loans | 1.8859% | 2,823 |
Net loans and leases to total assets | 42.1548% | 5,992 |
Net loans and leases to deposits | 50.0367% | 5,953 |
Net loans and leases to core deposits | 54.8688% | 5,809 |
Total domestic deposits to total assets | 84.2479% | 4,207 |
Equity capital to assets | 11.0212% | 2,925 |
Core capital (leverage) ratio | 10.6623% | 2,585 |
Tier 1 risk-based capital ratio | 22.4042% | 1,194 |
Total risk-based capital ratio | 22.7893% | 1,326 |
Memoranda: | ||
Average total assets | $513,294,000 | 1,302 |
Average earning assets | $480,195,000 | 1,268 |
Average equity | $56,685,800 | 1,254 |
Average total loans | $228,509,800 | 1,788 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9522% | 5,655 |
Cost of funding earning assets | 0.8342% | 2,675 |
Net interest margin | 3.1180% | 5,898 |
Noninterest income to average assets | 0.5858% | 3,378 |
Noninterest expense to average assets | 2.3243% | 5,619 |
Loan and lease loss provision to assets | 0.0672% | 4,847 |
Net operating income to assets | 1.0735% | 2,196 |
Return on assets (ROA) | 1.0735% | 2,399 |
Pretax return on assets | 1.1117% | 3,307 |
Return on Equity (ROE) | 9.7157% | 2,491 |
Retained earnings to average equity (ytd only) | -0.1254% | 6,106 |
Net charge-offs to loans | 0.1189% | 4,184 |
Credit loss provision to net charge-offs | 125.3659% | 2,297 |
Earnings coverage of net charge-offs (x) | 21.9997% | 1,374 |
Efficiency ratio | 66.3483% | 4,385 |
Assets per employee ($millions) | 4.2625% | 3,352 |
Cash dividends to net income (ytd only)* | 101.2906% | 318 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4112% | 7,006 |
Loan loss allowance to noncurrent loans | 50.6091% | 5,094 |
Noncurrent assets plus other real estate owned to assets | 0.7472% | 4,824 |
Noncurrent loans to loans | 0.8125% | 4,787 |
Net loans and leases to total assets | 43.2796% | 6,020 |
Net loans and leases to deposits | 51.6239% | 6,000 |
Net loans and leases to core deposits | 57.0322% | 5,809 |
Total domestic deposits to total assets | 83.8364% | 4,301 |
Equity capital to assets | 11.2131% | 3,020 |
Core capital (leverage) ratio | 10.8099% | 2,583 |
Tier 1 risk-based capital ratio | 22.4841% | 1,251 |
Total risk-based capital ratio | 22.8938% | 1,370 |
Memoranda: | ||
Average total assets | $510,084,500 | 1,327 |
Average earning assets | $477,253,500 | 1,296 |
Average equity | $56,360,750 | 1,267 |
Average total loans | $229,973,500 | 1,783 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9908% | 5,667 |
Cost of funding earning assets | 0.8551% | 2,755 |
Net interest margin | 3.1357% | 5,900 |
Noninterest income to average assets | 0.5871% | 3,340 |
Noninterest expense to average assets | 2.3575% | 5,601 |
Loan and lease loss provision to assets | 0.0600% | 4,899 |
Net operating income to assets | 1.0337% | 2,325 |
Return on assets (ROA) | 1.0337% | 2,544 |
Pretax return on assets | 1.1024% | 3,294 |
Return on Equity (ROE) | 9.4022% | 2,612 |
Retained earnings to average equity (ytd only) | -5.4471% | 6,647 |
Net charge-offs to loans | 0.0568% | 4,620 |
Credit loss provision to net charge-offs | 231.8182% | 1,230 |
Earnings coverage of net charge-offs (x) | 44.8788% | 801 |
Efficiency ratio | 66.9751% | 4,322 |
Assets per employee ($millions) | 4.2153% | 3,428 |
Cash dividends to net income (ytd only)* | 157.9347% | 155 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4097% | 7,080 |
Loan loss allowance to noncurrent loans | 51.5201% | 5,028 |
Noncurrent assets plus other real estate owned to assets | 0.8183% | 4,765 |
Noncurrent loans to loans | 0.7953% | 4,921 |
Net loans and leases to total assets | 45.9850% | 5,826 |
Net loans and leases to deposits | 54.3805% | 5,829 |
Net loans and leases to core deposits | 60.1039% | 5,576 |
Total domestic deposits to total assets | 84.5617% | 4,073 |
Equity capital to assets | 11.1090% | 3,009 |
Core capital (leverage) ratio | 10.4792% | 2,830 |
Tier 1 risk-based capital ratio | 21.3160% | 1,422 |
Total risk-based capital ratio | 21.7224% | 1,562 |
Memoranda: | ||
Average total assets | $509,612,000 | 1,328 |
Average earning assets | $476,642,670 | 1,301 |
Average equity | $56,029,330 | 1,269 |
Average total loans | $232,534,670 | 1,770 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9934% | 5,781 |
Cost of funding earning assets | 0.8723% | 2,895 |
Net interest margin | 3.1211% | 5,982 |
Noninterest income to average assets | 0.6098% | 3,163 |
Noninterest expense to average assets | 2.2889% | 5,796 |
Loan and lease loss provision to assets | 0.0685% | 4,553 |
Net operating income to assets | 1.0366% | 2,337 |
Return on assets (ROA) | 1.0366% | 2,529 |
Pretax return on assets | 1.1729% | 3,017 |
Return on Equity (ROE) | 9.4764% | 2,615 |
Retained earnings to average equity (ytd only) | -11.1709% | 6,871 |
Net charge-offs to loans | 0.0326% | 4,230 |
Credit loss provision to net charge-offs | 463.1579% | 699 |
Earnings coverage of net charge-offs (x) | 83.8947% | 407 |
Efficiency ratio | 64.8356% | 4,770 |
Assets per employee ($millions) | 4.2906% | 3,415 |
Cash dividends to net income (ytd only)* | 217.8813% | 142 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.4066% | 7,132 |
Loan loss allowance to noncurrent loans | 37.9747% | 5,735 |
Noncurrent assets plus other real estate owned to assets | 0.8731% | 4,777 |
Noncurrent loans to loans | 1.0708% | 4,558 |
Net loans and leases to total assets | 44.6103% | 5,945 |
Net loans and leases to deposits | 52.7149% | 5,925 |
Net loans and leases to core deposits | 58.3801% | 5,683 |
Total domestic deposits to total assets | 84.6256% | 4,199 |
Equity capital to assets | 10.9138% | 3,012 |
Core capital (leverage) ratio | 10.3484% | 2,933 |
Tier 1 risk-based capital ratio | 21.3785% | 1,400 |
Total risk-based capital ratio | 21.7905% | 1,556 |
Memoranda: | ||
Average total assets | $513,607,000 | 1,321 |
Average earning assets | $480,593,500 | 1,293 |
Average equity | $56,181,500 | 1,265 |
Average total loans | $232,992,000 | 1,770 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3621% | 5,564 |
Cost of funding earning assets | 1.0286% | 3,167 |
Net interest margin | 3.3335% | 5,713 |
Noninterest income to average assets | 0.5641% | 3,399 |
Noninterest expense to average assets | 2.4167% | 5,727 |
Loan and lease loss provision to assets | 0.0323% | 6,160 |
Net operating income to assets | 0.9067% | 2,573 |
Return on assets (ROA) | 0.9067% | 2,699 |
Pretax return on assets | 1.2332% | 2,346 |
Return on Equity (ROE) | 8.2522% | 2,783 |
Retained earnings to average equity (ytd only) | 5.3497% | 2,412 |
Net charge-offs to loans | 0.0516% | 5,800 |
Credit loss provision to net charge-offs | 128.5714% | 2,401 |
Earnings coverage of net charge-offs (x) | 50.3889% | 554 |
Efficiency ratio | 65.6309% | 4,842 |
Assets per employee ($millions) | 4.2347% | 3,405 |
Cash dividends to net income (ytd only)* | 35.1726% | 2,858 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3629% | 7,186 |
Loan loss allowance to noncurrent loans | 22.4511% | 6,537 |
Noncurrent assets plus other real estate owned to assets | 1.1225% | 4,359 |
Noncurrent loans to loans | 1.6162% | 3,735 |
Net loans and leases to total assets | 45.7620% | 6,033 |
Net loans and leases to deposits | 54.6726% | 6,005 |
Net loans and leases to core deposits | 60.5139% | 5,794 |
Total domestic deposits to total assets | 83.7019% | 4,447 |
Equity capital to assets | 10.9632% | 3,013 |
Core capital (leverage) ratio | 10.6274% | 2,588 |
Tier 1 risk-based capital ratio | 21.3713% | 1,341 |
Total risk-based capital ratio | 21.7301% | 1,500 |
Memoranda: | ||
Average total assets | $501,685,200 | 1,337 |
Average earning assets | $469,273,200 | 1,307 |
Average equity | $55,125,000 | 1,233 |
Average total loans | $243,969,400 | 1,714 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4346% | 5,481 |
Cost of funding earning assets | 1.0554% | 3,284 |
Net interest margin | 3.3792% | 5,639 |
Noninterest income to average assets | 0.5840% | 3,271 |
Noninterest expense to average assets | 2.3895% | 5,790 |
Loan and lease loss provision to assets | 0.0316% | 6,048 |
Net operating income to assets | 0.9837% | 2,380 |
Return on assets (ROA) | 0.9837% | 2,539 |
Pretax return on assets | 1.3230% | 2,210 |
Return on Equity (ROE) | 8.9477% | 2,618 |
Retained earnings to average equity (ytd only) | 5.0510% | 3,140 |
Net charge-offs to loans | 0.0564% | 5,407 |
Credit loss provision to net charge-offs | 113.4615% | 2,881 |
Earnings coverage of net charge-offs (x) | 48.6453% | 666 |
Efficiency ratio | 63.8204% | 5,105 |
Assets per employee ($millions) | 4.1608% | 3,518 |
Cash dividends to net income (ytd only)* | 43.5493% | 1,871 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3501% | 7,263 |
Loan loss allowance to noncurrent loans | 61.4934% | 4,394 |
Noncurrent assets plus other real estate owned to assets | 0.6840% | 5,431 |
Noncurrent loans to loans | 0.5693% | 5,733 |
Net loans and leases to total assets | 47.1048% | 6,044 |
Net loans and leases to deposits | 56.9451% | 5,941 |
Net loans and leases to core deposits | 63.2188% | 5,697 |
Total domestic deposits to total assets | 82.7197% | 4,784 |
Equity capital to assets | 10.9826% | 3,166 |
Core capital (leverage) ratio | 10.7573% | 2,606 |
Tier 1 risk-based capital ratio | 21.2850% | 1,408 |
Total risk-based capital ratio | 21.6346% | 1,563 |
Memoranda: | ||
Average total assets | $497,949,000 | 1,345 |
Average earning assets | $465,660,500 | 1,316 |
Average equity | $54,746,500 | 1,241 |
Average total loans | $245,641,500 | 1,716 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4732% | 5,439 |
Cost of funding earning assets | 1.0728% | 3,445 |
Net interest margin | 3.4004% | 5,556 |
Noninterest income to average assets | 0.5692% | 3,339 |
Noninterest expense to average assets | 2.3835% | 5,892 |
Loan and lease loss provision to assets | 0.0198% | 6,041 |
Net operating income to assets | 0.9957% | 2,248 |
Return on assets (ROA) | 0.9957% | 2,353 |
Pretax return on assets | 1.3474% | 1,973 |
Return on Equity (ROE) | 9.0531% | 2,488 |
Retained earnings to average equity (ytd only) | 3.1721% | 4,254 |
Net charge-offs to loans | 0.0218% | 5,534 |
Credit loss provision to net charge-offs | 181.4815% | 1,660 |
Earnings coverage of net charge-offs (x) | 125.2593% | 281 |
Efficiency ratio | 63.5482% | 5,329 |
Assets per employee ($millions) | 4.0155% | 3,721 |
Cash dividends to net income (ytd only)* | 64.9614% | 1,189 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3431% | 7,322 |
Loan loss allowance to noncurrent loans | 26.6520% | 6,442 |
Noncurrent assets plus other real estate owned to assets | 1.0710% | 4,740 |
Noncurrent loans to loans | 1.2874% | 4,515 |
Net loans and leases to total assets | 50.2143% | 5,796 |
Net loans and leases to deposits | 60.7134% | 5,649 |
Net loans and leases to core deposits | 67.7787% | 5,314 |
Total domestic deposits to total assets | 82.7071% | 4,903 |
Equity capital to assets | 11.1354% | 2,829 |
Core capital (leverage) ratio | 10.5061% | 2,709 |
Tier 1 risk-based capital ratio | 20.7043% | 1,478 |
Total risk-based capital ratio | 21.0741% | 1,616 |
Memoranda: | ||
Average total assets | $494,727,670 | 1,359 |
Average earning assets | $462,888,670 | 1,330 |
Average equity | $54,412,330 | 1,236 |
Average total loans | $247,538,670 | 1,722 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4693% | 5,449 |
Cost of funding earning assets | 1.0637% | 3,759 |
Net interest margin | 3.4057% | 5,412 |
Noninterest income to average assets | 0.5833% | 3,284 |
Noninterest expense to average assets | 2.3937% | 5,900 |
Loan and lease loss provision to assets | 0.0274% | 5,619 |
Net operating income to assets | 1.0017% | 2,178 |
Return on assets (ROA) | 1.0017% | 2,227 |
Pretax return on assets | 1.3541% | 1,871 |
Return on Equity (ROE) | 9.1641% | 2,400 |
Retained earnings to average equity (ytd only) | 9.1641% | 1,329 |
Net charge-offs to loans | -0.0081% | 6,309 |
Credit loss provision to net charge-offs | -680.0000% | 6,026 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.4058% | 5,458 |
Assets per employee ($millions) | 4.2589% | 3,320 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3552% | 7,373 |
Loan loss allowance to noncurrent loans | 95.5752% | 2,997 |
Noncurrent assets plus other real estate owned to assets | 0.6231% | 5,715 |
Noncurrent loans to loans | 0.3716% | 6,253 |
Net loans and leases to total assets | 48.6445% | 5,998 |
Net loans and leases to deposits | 58.8933% | 5,841 |
Net loans and leases to core deposits | 65.7456% | 5,539 |
Total domestic deposits to total assets | 82.5977% | 5,071 |
Equity capital to assets | 11.0334% | 2,656 |
Core capital (leverage) ratio | 10.5767% | 2,532 |
Tier 1 risk-based capital ratio | 21.0928% | 1,377 |
Total risk-based capital ratio | 21.4772% | 1,507 |
Memoranda: | ||
Average total assets | $497,143,500 | 1,355 |
Average earning assets | $465,930,000 | 1,329 |
Average equity | $54,342,500 | 1,231 |
Average total loans | $247,885,500 | 1,742 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8871% | 5,094 |
Cost of funding earning assets | 1.1678% | 4,751 |
Net interest margin | 3.7193% | 4,273 |
Noninterest income to average assets | 0.6077% | 3,424 |
Noninterest expense to average assets | 2.4115% | 6,068 |
Loan and lease loss provision to assets | 0.0615% | 6,533 |
Net operating income to assets | 1.1465% | 1,555 |
Return on assets (ROA) | 1.1465% | 1,639 |
Pretax return on assets | 1.6078% | 1,108 |
Return on Equity (ROE) | 10.4476% | 1,778 |
Retained earnings to average equity (ytd only) | 4.4140% | 2,764 |
Net charge-offs to loans | 0.1372% | 5,547 |
Credit loss provision to net charge-offs | 84.3750% | 5,370 |
Earnings coverage of net charge-offs (x) | 22.9176% | 921 |
Efficiency ratio | 59.0944% | 6,183 |
Assets per employee ($millions) | 4.0655% | 3,648 |
Cash dividends to net income (ytd only)* | 57.7513% | 1,721 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3267% | 7,472 |
Loan loss allowance to noncurrent loans | 47.7154% | 5,129 |
Noncurrent assets plus other real estate owned to assets | 0.7385% | 5,529 |
Noncurrent loans to loans | 0.6847% | 5,676 |
Net loans and leases to total assets | 50.7446% | 6,077 |
Net loans and leases to deposits | 61.1558% | 5,938 |
Net loans and leases to core deposits | 67.5862% | 5,696 |
Total domestic deposits to total assets | 82.9759% | 4,806 |
Equity capital to assets | 10.8280% | 2,832 |
Core capital (leverage) ratio | 10.4992% | 2,557 |
Tier 1 risk-based capital ratio | 20.1246% | 1,465 |
Total risk-based capital ratio | 20.4791% | 1,634 |
Memoranda: | ||
Average total assets | $483,277,600 | 1,389 |
Average earning assets | $451,265,200 | 1,351 |
Average equity | $53,036,200 | 1,264 |
Average total loans | $256,576,000 | 1,725 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9835% | 4,897 |
Cost of funding earning assets | 1.1900% | 4,917 |
Net interest margin | 3.7934% | 3,991 |
Noninterest income to average assets | 0.6010% | 3,433 |
Noninterest expense to average assets | 2.3603% | 6,150 |
Loan and lease loss provision to assets | 0.0417% | 6,669 |
Net operating income to assets | 1.2272% | 1,522 |
Return on assets (ROA) | 1.2272% | 1,596 |
Pretax return on assets | 1.7357% | 1,038 |
Return on Equity (ROE) | 11.1443% | 1,739 |
Retained earnings to average equity (ytd only) | 7.1092% | 1,795 |
Net charge-offs to loans | 0.1082% | 5,459 |
Credit loss provision to net charge-offs | 71.7703% | 5,368 |
Earnings coverage of net charge-offs (x) | 30.6220% | 872 |
Efficiency ratio | 57.0441% | 6,407 |
Assets per employee ($millions) | 3.9323% | 3,973 |
Cash dividends to net income (ytd only)* | 36.2073% | 2,257 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3201% | 7,582 |
Loan loss allowance to noncurrent loans | 40.8458% | 5,567 |
Noncurrent assets plus other real estate owned to assets | 0.7892% | 5,525 |
Noncurrent loans to loans | 0.7836% | 5,645 |
Net loans and leases to total assets | 52.8653% | 5,996 |
Net loans and leases to deposits | 64.3196% | 5,873 |
Net loans and leases to core deposits | 71.9945% | 5,514 |
Total domestic deposits to total assets | 82.1917% | 4,919 |
Equity capital to assets | 11.2081% | 2,768 |
Core capital (leverage) ratio | 10.8322% | 2,386 |
Tier 1 risk-based capital ratio | 20.3487% | 1,477 |
Total risk-based capital ratio | 20.6964% | 1,625 |
Memoranda: | ||
Average total assets | $480,099,000 | 1,415 |
Average earning assets | $447,603,250 | 1,379 |
Average equity | $52,868,750 | 1,270 |
Average total loans | $257,591,500 | 1,740 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0348% | 4,771 |
Cost of funding earning assets | 1.2046% | 5,104 |
Net interest margin | 3.8303% | 3,762 |
Noninterest income to average assets | 0.6097% | 3,263 |
Noninterest expense to average assets | 2.3729% | 6,138 |
Loan and lease loss provision to assets | 0.0626% | 6,321 |
Net operating income to assets | 1.2374% | 1,457 |
Return on assets (ROA) | 1.2374% | 1,522 |
Pretax return on assets | 1.7423% | 977 |
Return on Equity (ROE) | 11.3046% | 1,646 |
Retained earnings to average equity (ytd only) | 5.2002% | 2,777 |
Net charge-offs to loans | 0.0899% | 5,240 |
Credit loss provision to net charge-offs | 129.3103% | 3,113 |
Earnings coverage of net charge-offs (x) | 37.2586% | 772 |
Efficiency ratio | 56.7973% | 6,533 |
Assets per employee ($millions) | 3.7983% | 4,225 |
Cash dividends to net income (ytd only)* | 53.9993% | 1,520 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3517% | 7,631 |
Loan loss allowance to noncurrent loans | 34.3093% | 6,079 |
Noncurrent assets plus other real estate owned to assets | 0.9379% | 5,252 |
Noncurrent loans to loans | 1.0251% | 5,260 |
Net loans and leases to total assets | 54.5426% | 5,907 |
Net loans and leases to deposits | 66.1170% | 5,790 |
Net loans and leases to core deposits | 73.4125% | 5,509 |
Total domestic deposits to total assets | 82.4941% | 4,784 |
Equity capital to assets | 11.1306% | 2,743 |
Core capital (leverage) ratio | 10.6010% | 2,542 |
Tier 1 risk-based capital ratio | 19.3188% | 1,645 |
Total risk-based capital ratio | 19.6960% | 1,818 |
Memoranda: | ||
Average total assets | $478,906,000 | 1,428 |
Average earning assets | $446,132,330 | 1,391 |
Average equity | $52,421,330 | 1,271 |
Average total loans | $257,949,000 | 1,765 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0820% | 4,620 |
Cost of funding earning assets | 1.2131% | 5,327 |
Net interest margin | 3.8688% | 3,464 |
Noninterest income to average assets | 0.6054% | 3,247 |
Noninterest expense to average assets | 2.3577% | 6,217 |
Loan and lease loss provision to assets | 0.0832% | 5,808 |
Net operating income to assets | 1.2575% | 1,391 |
Return on assets (ROA) | 1.2575% | 1,464 |
Pretax return on assets | 1.7689% | 935 |
Return on Equity (ROE) | 11.5842% | 1,616 |
Retained earnings to average equity (ytd only) | 11.5842% | 815 |
Net charge-offs to loans | 0.0483% | 4,920 |
Credit loss provision to net charge-offs | 322.5806% | 1,228 |
Earnings coverage of net charge-offs (x) | 71.8387% | 432 |
Efficiency ratio | 56.0055% | 6,763 |
Assets per employee ($millions) | 3.7425% | 4,454 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3739% | 7,708 |
Loan loss allowance to noncurrent loans | 36.9464% | 5,905 |
Noncurrent assets plus other real estate owned to assets | 0.9032% | 5,354 |
Noncurrent loans to loans | 1.0119% | 5,301 |
Net loans and leases to total assets | 53.3175% | 6,113 |
Net loans and leases to deposits | 64.3954% | 6,018 |
Net loans and leases to core deposits | 75.4565% | 5,333 |
Total domestic deposits to total assets | 82.7970% | 4,721 |
Equity capital to assets | 11.1386% | 2,647 |
Core capital (leverage) ratio | 10.6329% | 2,514 |
Tier 1 risk-based capital ratio | 19.6815% | 1,587 |
Total risk-based capital ratio | 20.0841% | 1,726 |
Memoranda: | ||
Average total assets | $480,967,500 | 1,456 |
Average earning assets | $448,095,500 | 1,417 |
Average equity | $52,209,000 | 1,285 |
Average total loans | $256,987,000 | 1,820 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5708% | 3,754 |
Cost of funding earning assets | 1.6230% | 4,919 |
Net interest margin | 3.9479% | 3,088 |
Noninterest income to average assets | 0.5594% | 3,949 |
Noninterest expense to average assets | 2.3715% | 6,548 |
Loan and lease loss provision to assets | 0.0665% | 6,910 |
Net operating income to assets | 1.2629% | 1,107 |
Return on assets (ROA) | 1.2629% | 1,162 |
Pretax return on assets | 1.7458% | 703 |
Return on Equity (ROE) | 12.1420% | 1,123 |
Retained earnings to average equity (ytd only) | 5.6441% | 1,506 |
Net charge-offs to loans | 0.0507% | 6,593 |
Credit loss provision to net charge-offs | 242.4242% | 1,469 |
Earnings coverage of net charge-offs (x) | 66.0227% | 408 |
Efficiency ratio | 56.6827% | 6,935 |
Assets per employee ($millions) | 3.8622% | 4,116 |
Cash dividends to net income (ytd only)* | 53.5156% | 2,304 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3390% | 7,801 |
Loan loss allowance to noncurrent loans | 35.6564% | 6,062 |
Noncurrent assets plus other real estate owned to assets | 0.8768% | 5,356 |
Noncurrent loans to loans | 0.9507% | 5,407 |
Net loans and leases to total assets | 53.1661% | 6,292 |
Net loans and leases to deposits | 63.8621% | 6,283 |
Net loans and leases to core deposits | 97.4390% | 4,290 |
Total domestic deposits to total assets | 83.2514% | 4,404 |
Equity capital to assets | 10.5780% | 3,094 |
Core capital (leverage) ratio | 10.3310% | 2,761 |
Tier 1 risk-based capital ratio | 18.5684% | 1,735 |
Total risk-based capital ratio | 18.9266% | 1,935 |
Memoranda: | ||
Average total assets | $480,873,400 | 1,438 |
Average earning assets | $441,479,400 | 1,428 |
Average equity | $50,016,600 | 1,345 |
Average total loans | $260,397,200 | 1,830 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6489% | 3,583 |
Cost of funding earning assets | 1.7276% | 4,756 |
Net interest margin | 3.9212% | 3,154 |
Noninterest income to average assets | 0.5754% | 3,887 |
Noninterest expense to average assets | 2.3410% | 6,589 |
Loan and lease loss provision to assets | 0.0473% | 6,896 |
Net operating income to assets | 1.2951% | 1,231 |
Return on assets (ROA) | 1.2951% | 1,308 |
Pretax return on assets | 1.7748% | 845 |
Return on Equity (ROE) | 12.5055% | 1,236 |
Retained earnings to average equity (ytd only) | 8.2090% | 1,079 |
Net charge-offs to loans | -0.0911% | 7,917 |
Credit loss provision to net charge-offs | -95.5056% | 7,203 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.2325% | 6,965 |
Assets per employee ($millions) | 3.7591% | 4,288 |
Cash dividends to net income (ytd only)* | 34.3569% | 2,691 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.3908% | 7,828 |
Loan loss allowance to noncurrent loans | 46.5355% | 5,214 |
Noncurrent assets plus other real estate owned to assets | 0.7868% | 5,545 |
Noncurrent loans to loans | 0.8398% | 5,616 |
Net loans and leases to total assets | 56.4648% | 6,094 |
Net loans and leases to deposits | 68.4401% | 6,094 |
Net loans and leases to core deposits | 100.6750% | 4,296 |
Total domestic deposits to total assets | 82.5025% | 4,450 |
Equity capital to assets | 10.9877% | 3,018 |
Core capital (leverage) ratio | 10.5405% | 2,759 |
Tier 1 risk-based capital ratio | 18.2221% | 1,932 |
Total risk-based capital ratio | 18.6362% | 2,107 |
Memoranda: | ||
Average total assets | $479,433,500 | 1,461 |
Average earning assets | $438,660,750 | 1,450 |
Average equity | $49,651,750 | 1,377 |
Average total loans | $260,595,500 | 1,850 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5909% | 4,119 |
Cost of funding earning assets | 1.8177% | 4,670 |
Net interest margin | 3.7731% | 3,659 |
Noninterest income to average assets | 0.4786% | 4,639 |
Noninterest expense to average assets | 2.3717% | 6,551 |
Loan and lease loss provision to assets | 0.0704% | 6,493 |
Net operating income to assets | 1.0795% | 1,841 |
Return on assets (ROA) | 1.0795% | 1,915 |
Pretax return on assets | 1.5006% | 1,436 |
Return on Equity (ROE) | 10.6343% | 1,808 |
Retained earnings to average equity (ytd only) | 4.1027% | 3,011 |
Net charge-offs to loans | 0.1624% | 4,579 |
Credit loss provision to net charge-offs | 80.9524% | 5,172 |
Earnings coverage of net charge-offs (x) | 18.0524% | 1,434 |
Efficiency ratio | 60.1535% | 6,526 |
Assets per employee ($millions) | 3.8292% | 4,029 |
Cash dividends to net income (ytd only)* | 61.4203% | 1,626 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2464% | 8,030 |
Loan loss allowance to noncurrent loans | 28.0739% | 6,628 |
Noncurrent assets plus other real estate owned to assets | 0.8044% | 5,382 |
Noncurrent loans to loans | 0.8775% | 5,459 |
Net loans and leases to total assets | 56.6012% | 6,137 |
Net loans and leases to deposits | 68.2034% | 6,167 |
Net loans and leases to core deposits | 98.4060% | 4,660 |
Total domestic deposits to total assets | 82.9888% | 4,241 |
Equity capital to assets | 10.5784% | 3,313 |
Core capital (leverage) ratio | 9.8802% | 3,417 |
Tier 1 risk-based capital ratio | 17.6648% | 2,097 |
Total risk-based capital ratio | 17.9234% | 2,348 |
Memoranda: | ||
Average total assets | $482,614,330 | 1,466 |
Average earning assets | $443,080,000 | 1,458 |
Average equity | $48,992,330 | 1,405 |
Average total loans | $258,672,670 | 1,897 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5727% | 4,510 |
Cost of funding earning assets | 1.9040% | 4,611 |
Net interest margin | 3.6687% | 4,025 |
Noninterest income to average assets | 0.4797% | 4,511 |
Noninterest expense to average assets | 2.1960% | 6,878 |
Loan and lease loss provision to assets | 0.0571% | 6,247 |
Net operating income to assets | 1.1363% | 1,846 |
Return on assets (ROA) | 1.1363% | 1,960 |
Pretax return on assets | 1.5777% | 1,466 |
Return on Equity (ROE) | 11.4228% | 1,838 |
Retained earnings to average equity (ytd only) | 11.4228% | 898 |
Net charge-offs to loans | 0.2427% | 3,190 |
Credit loss provision to net charge-offs | 45.1613% | 4,749 |
Earnings coverage of net charge-offs (x) | 12.9290% | 1,765 |
Efficiency ratio | 57.3254% | 6,785 |
Assets per employee ($millions) | 4.1133% | 3,432 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2370% | 8,080 |
Loan loss allowance to noncurrent loans | 23.1091% | 7,013 |
Noncurrent assets plus other real estate owned to assets | 0.9257% | 4,877 |
Noncurrent loans to loans | 1.0254% | 4,944 |
Net loans and leases to total assets | 52.2957% | 6,652 |
Net loans and leases to deposits | 63.8966% | 6,569 |
Net loans and leases to core deposits | 92.7628% | 5,284 |
Total domestic deposits to total assets | 81.8442% | 4,616 |
Equity capital to assets | 10.1558% | 3,818 |
Core capital (leverage) ratio | 9.6946% | 3,765 |
Tier 1 risk-based capital ratio | 17.8769% | 2,091 |
Total risk-based capital ratio | 18.1095% | 2,315 |
Memoranda: | ||
Average total assets | $490,342,500 | 1,449 |
Average earning assets | $447,895,500 | 1,447 |
Average equity | $48,779,500 | 1,415 |
Average total loans | $255,474,000 | 1,930 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0238% | 5,434 |
Cost of funding earning assets | 2.6004% | 3,682 |
Net interest margin | 3.4234% | 5,566 |
Noninterest income to average assets | 0.5173% | 4,490 |
Noninterest expense to average assets | 2.1213% | 7,186 |
Loan and lease loss provision to assets | 0.1015% | 6,087 |
Net operating income to assets | 1.0526% | 2,342 |
Return on assets (ROA) | 1.0526% | 2,237 |
Pretax return on assets | 1.4678% | 1,773 |
Return on Equity (ROE) | 10.6110% | 2,045 |
Retained earnings to average equity (ytd only) | 3.7577% | 2,797 |
Net charge-offs to loans | 0.4844% | 2,418 |
Credit loss provision to net charge-offs | 39.4309% | 6,456 |
Earnings coverage of net charge-offs (x) | 6.0992% | 3,441 |
Efficiency ratio | 57.4789% | 6,781 |
Assets per employee ($millions) | 4.1627% | 3,187 |
Cash dividends to net income (ytd only)* | 64.5866% | 2,441 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.2724% | 8,108 |
Loan loss allowance to noncurrent loans | 26.0428% | 6,935 |
Noncurrent assets plus other real estate owned to assets | 0.9330% | 4,497 |
Noncurrent loans to loans | 1.0462% | 4,482 |
Net loans and leases to total assets | 51.6424% | 6,878 |
Net loans and leases to deposits | 62.2102% | 6,928 |
Net loans and leases to core deposits | 90.0921% | 5,791 |
Total domestic deposits to total assets | 83.0128% | 3,768 |
Equity capital to assets | 9.7411% | 4,378 |
Core capital (leverage) ratio | 9.5235% | 3,988 |
Tier 1 risk-based capital ratio | 17.1396% | 2,267 |
Total risk-based capital ratio | 17.4041% | 2,541 |
Memoranda: | ||
Average total assets | $478,066,000 | 1,437 |
Average earning assets | $443,128,400 | 1,409 |
Average equity | $47,422,600 | 1,446 |
Average total loans | $253,928,200 | 1,880 |