Home > First Security Bank - Sleepy Eye > Performance and Condition Ratios
First Security Bank - Sleepy Eye, 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 | 3.2061% | 4,482 |
Cost of funding earning assets | 0.6786% | 3,955 |
Net interest margin | 2.5274% | 4,068 |
Noninterest income to average assets | 0.3300% | 2,919 |
Noninterest expense to average assets | 2.0387% | 3,533 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 0.6193% | 3,389 |
Return on assets (ROA) | -1.1428% | 4,529 |
Pretax return on assets | -1.1852% | 4,527 |
Return on Equity (ROE) | -17.1200% | 4,534 |
Retained earnings to average equity (ytd only) | -17.1207% | 4,507 |
Net charge-offs to loans | 0.0100% | 2,275 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 195.2500% | 594 |
Efficiency ratio | 75.8167% | 1,262 |
Assets per employee ($millions) | 7.6091% | 1,655 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5427% | 958 |
Loan loss allowance to noncurrent loans | 2,987.1795% | 373 |
Noncurrent assets plus other real estate owned to assets | 0.0165% | 3,634 |
Noncurrent loans to loans | 0.0516% | 3,353 |
Net loans and leases to total assets | 31.5200% | 4,264 |
Net loans and leases to deposits | 34.4904% | 4,294 |
Net loans and leases to core deposits | 35.4617% | 4,345 |
Total domestic deposits to total assets | 91.3900% | 410 |
Equity capital to assets | 7.9896% | 3,426 |
Core capital (leverage) ratio | 11.7052% | 1,555 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.6290% | 318 |
Memoranda: | ||
Average total assets | $240,203,200 | 2,736 |
Average earning assets | $224,416,800 | 2,718 |
Average equity | $16,033,200 | 3,180 |
Average total loans | $79,804,600 | 3,410 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1235% | 4,506 |
Cost of funding earning assets | 0.6245% | 3,933 |
Net interest margin | 2.4990% | 4,144 |
Noninterest income to average assets | 0.3300% | 2,912 |
Noninterest expense to average assets | 1.9888% | 3,622 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 0.5946% | 3,558 |
Return on assets (ROA) | -0.3890% | 4,509 |
Pretax return on assets | -0.4454% | 4,508 |
Return on Equity (ROE) | -6.1200% | 4,509 |
Retained earnings to average equity (ytd only) | -6.1229% | 4,443 |
Net charge-offs to loans | 0.0808% | 914 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 25.3061% | 1,689 |
Efficiency ratio | 74.3749% | 1,331 |
Assets per employee ($millions) | 7.2792% | 1,765 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4671% | 1,202 |
Loan loss allowance to noncurrent loans | 780.5556% | 1,057 |
Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,190 |
Noncurrent loans to loans | 0.1880% | 2,608 |
Net loans and leases to total assets | 33.4500% | 4,253 |
Net loans and leases to deposits | 35.9284% | 4,300 |
Net loans and leases to core deposits | 36.7274% | 4,315 |
Total domestic deposits to total assets | 93.1100% | 281 |
Equity capital to assets | 6.2427% | 3,908 |
Core capital (leverage) ratio | 12.3157% | 1,299 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 28.6005% | 288 |
Memoranda: | ||
Average total assets | $241,283,750 | 2,734 |
Average earning assets | $226,751,750 | 2,709 |
Average equity | $15,330,000 | 3,220 |
Average total loans | $80,877,000 | 3,403 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0127% | 4,548 |
Cost of funding earning assets | 0.5286% | 3,925 |
Net interest margin | 2.4841% | 4,222 |
Noninterest income to average assets | 0.3200% | 2,963 |
Noninterest expense to average assets | 1.9149% | 3,783 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 0.7367% | 3,251 |
Return on assets (ROA) | -0.6994% | 4,577 |
Pretax return on assets | -0.6994% | 4,569 |
Return on Equity (ROE) | -10.9500% | 4,585 |
Retained earnings to average equity (ytd only) | -10.9500% | 4,528 |
Net charge-offs to loans | -0.0024% | 3,561 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 72.2154% | 1,529 |
Assets per employee ($millions) | 7.1524% | 1,815 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5243% | 1,108 |
Loan loss allowance to noncurrent loans | 970.2479% | 975 |
Noncurrent assets plus other real estate owned to assets | 0.0513% | 3,266 |
Noncurrent loans to loans | 0.1571% | 2,688 |
Net loans and leases to total assets | 32.1300% | 4,281 |
Net loans and leases to deposits | 34.5925% | 4,323 |
Net loans and leases to core deposits | 35.4235% | 4,338 |
Total domestic deposits to total assets | 92.8900% | 266 |
Equity capital to assets | 6.8771% | 3,857 |
Core capital (leverage) ratio | 12.0551% | 1,342 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 28.2910% | 286 |
Memoranda: | ||
Average total assets | $246,493,667 | 2,712 |
Average earning assets | $231,552,333 | 2,694 |
Average equity | $15,744,333 | 3,208 |
Average total loans | $82,298,667 | 3,386 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8409% | 4,595 |
Cost of funding earning assets | 0.4718% | 3,773 |
Net interest margin | 2.3691% | 4,405 |
Noninterest income to average assets | 0.3100% | 2,990 |
Noninterest expense to average assets | 1.8846% | 3,885 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 0.6515% | 3,581 |
Return on assets (ROA) | -2.2215% | 4,649 |
Pretax return on assets | -2.2215% | 4,642 |
Return on Equity (ROE) | -36.0800% | 4,647 |
Retained earnings to average equity (ytd only) | -36.0763% | 4,651 |
Net charge-offs to loans | -0.0047% | 3,617 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 74.3108% | 1,312 |
Assets per employee ($millions) | 7.2891% | 1,755 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4808% | 1,337 |
Loan loss allowance to noncurrent loans | 40.4270% | 3,760 |
Noncurrent assets plus other real estate owned to assets | 1.2073% | 298 |
Noncurrent loans to loans | 3.6630% | 104 |
Net loans and leases to total assets | 32.4700% | 4,312 |
Net loans and leases to deposits | 34.9659% | 4,353 |
Net loans and leases to core deposits | 35.8634% | 4,370 |
Total domestic deposits to total assets | 92.8600% | 330 |
Equity capital to assets | 6.9431% | 3,861 |
Core capital (leverage) ratio | 11.2523% | 1,697 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.0253% | 354 |
Memoranda: | ||
Average total assets | $251,726,000 | 2,722 |
Average earning assets | $236,548,000 | 2,690 |
Average equity | $15,500,500 | 3,262 |
Average total loans | $84,938,500 | 3,403 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.5370% | 4,489 |
Cost of funding earning assets | 0.1753% | 3,953 |
Net interest margin | 2.3618% | 4,381 |
Noninterest income to average assets | 0.2900% | 3,396 |
Noninterest expense to average assets | 1.8178% | 4,001 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 0.5437% | 4,008 |
Return on assets (ROA) | 0.1601% | 4,459 |
Pretax return on assets | 0.2023% | 4,444 |
Return on Equity (ROE) | 2.3300% | 4,356 |
Retained earnings to average equity (ytd only) | 2.3288% | 3,910 |
Net charge-offs to loans | 0.0563% | 1,090 |
Credit loss provision to net charge-offs | 20.0000% | 1,931 |
Earnings coverage of net charge-offs (x) | 37.0600% | 1,552 |
Efficiency ratio | 72.4420% | 1,392 |
Assets per employee ($millions) | 7.7327% | 1,466 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2947% | 1,925 |
Loan loss allowance to noncurrent loans | 843.8849% | 1,119 |
Noncurrent assets plus other real estate owned to assets | 0.0529% | 3,271 |
Noncurrent loans to loans | 0.1534% | 2,727 |
Net loans and leases to total assets | 34.0100% | 4,284 |
Net loans and leases to deposits | 36.5557% | 4,330 |
Net loans and leases to core deposits | 37.2071% | 4,352 |
Total domestic deposits to total assets | 93.0500% | 393 |
Equity capital to assets | 5.4391% | 4,256 |
Core capital (leverage) ratio | 11.4534% | 1,542 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.1213% | 364 |
Memoranda: | ||
Average total assets | $267,964,200 | 2,618 |
Average earning assets | $251,635,400 | 2,603 |
Average equity | $18,421,400 | 3,085 |
Average total loans | $88,747,400 | 3,305 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.4170% | 4,491 |
Cost of funding earning assets | 0.1295% | 4,041 |
Net interest margin | 2.2875% | 4,411 |
Noninterest income to average assets | 0.2900% | 3,445 |
Noninterest expense to average assets | 1.7635% | 4,046 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 0.4773% | 4,124 |
Return on assets (ROA) | -0.0317% | 4,585 |
Pretax return on assets | 0.0243% | 4,548 |
Return on Equity (ROE) | -0.4400% | 4,570 |
Retained earnings to average equity (ytd only) | -0.4387% | 4,381 |
Net charge-offs to loans | 0.0770% | 767 |
Credit loss provision to net charge-offs | 19.6078% | 1,629 |
Earnings coverage of net charge-offs (x) | 26.6667% | 1,579 |
Efficiency ratio | 72.3633% | 1,467 |
Assets per employee ($millions) | 7.0814% | 1,885 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3563% | 1,778 |
Loan loss allowance to noncurrent loans | 308.4211% | 2,150 |
Noncurrent assets plus other real estate owned to assets | 0.1491% | 2,566 |
Noncurrent loans to loans | 0.4398% | 1,707 |
Net loans and leases to total assets | 33.4400% | 4,323 |
Net loans and leases to deposits | 35.2218% | 4,388 |
Net loans and leases to core deposits | 36.7999% | 4,378 |
Total domestic deposits to total assets | 94.9300% | 237 |
Equity capital to assets | 4.3365% | 4,432 |
Core capital (leverage) ratio | 10.7655% | 1,908 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.6196% | 361 |
Memoranda: | ||
Average total assets | $269,227,250 | 2,630 |
Average earning assets | $253,253,250 | 2,617 |
Average equity | $19,451,750 | 3,042 |
Average total loans | $88,284,750 | 3,324 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.3037% | 4,518 |
Cost of funding earning assets | 0.1144% | 4,028 |
Net interest margin | 2.1894% | 4,446 |
Noninterest income to average assets | 0.2715% | 3,543 |
Noninterest expense to average assets | 1.7424% | 4,069 |
Loan and lease loss provision to assets | 0.0073% | 2,470 |
Net operating income to assets | 0.5170% | 3,852 |
Return on assets (ROA) | 0.5124% | 3,818 |
Pretax return on assets | 0.5708% | 3,870 |
Return on Equity (ROE) | 6.3099% | 3,497 |
Retained earnings to average equity (ytd only) | 6.3099% | 2,233 |
Net charge-offs to loans | 0.0022% | 2,019 |
Credit loss provision to net charge-offs | 1,000.0000% | 404 |
Earnings coverage of net charge-offs (x) | 799.0000% | 175 |
Efficiency ratio | 74.9215% | 1,397 |
Assets per employee ($millions) | 7.9428% | 1,340 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4232% | 1,658 |
Loan loss allowance to noncurrent loans | 32.4655% | 3,916 |
Noncurrent assets plus other real estate owned to assets | 1.3540% | 285 |
Noncurrent loans to loans | 4.3838% | 80 |
Net loans and leases to total assets | 30.4462% | 4,448 |
Net loans and leases to deposits | 32.3961% | 4,488 |
Net loans and leases to core deposits | 32.8511% | 4,511 |
Total domestic deposits to total assets | 93.9809% | 286 |
Equity capital to assets | 5.9119% | 4,225 |
Core capital (leverage) ratio | 10.9432% | 1,651 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.7615% | 331 |
Memoranda: | ||
Average total assets | $273,992,667 | 2,619 |
Average earning assets | $257,060,000 | 2,618 |
Average equity | $22,250,667 | 2,870 |
Average total loans | $88,909,000 | 3,340 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.1961% | 4,534 |
Cost of funding earning assets | 0.1123% | 3,978 |
Net interest margin | 2.0838% | 4,459 |
Noninterest income to average assets | 0.2677% | 3,525 |
Noninterest expense to average assets | 1.7368% | 4,079 |
Loan and lease loss provision to assets | 0.0147% | 2,088 |
Net operating income to assets | 0.4544% | 3,834 |
Return on assets (ROA) | 0.4544% | 3,801 |
Pretax return on assets | 0.4809% | 3,902 |
Return on Equity (ROE) | 4.9129% | 3,646 |
Retained earnings to average equity (ytd only) | 4.9129% | 2,617 |
Net charge-offs to loans | 0.0088% | 1,424 |
Credit loss provision to net charge-offs | 500.0000% | 514 |
Earnings coverage of net charge-offs (x) | 168.5000% | 487 |
Efficiency ratio | 77.7997% | 1,331 |
Assets per employee ($millions) | 7.8568% | 1,466 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4199% | 1,832 |
Loan loss allowance to noncurrent loans | 111.8132% | 3,267 |
Noncurrent assets plus other real estate owned to assets | 0.4088% | 1,481 |
Noncurrent loans to loans | 1.2699% | 691 |
Net loans and leases to total assets | 31.7341% | 4,391 |
Net loans and leases to deposits | 34.4537% | 4,436 |
Net loans and leases to core deposits | 34.9962% | 4,458 |
Total domestic deposits to total assets | 92.1065% | 537 |
Equity capital to assets | 7.7744% | 3,750 |
Core capital (leverage) ratio | 10.5691% | 1,795 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.6759% | 348 |
Memoranda: | ||
Average total assets | $271,989,500 | 2,648 |
Average earning assets | $256,450,500 | 2,639 |
Average equity | $25,158,500 | 2,759 |
Average total loans | $90,432,500 | 3,325 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8569% | 4,125 |
Cost of funding earning assets | 0.1247% | 4,189 |
Net interest margin | 2.7322% | 3,812 |
Noninterest income to average assets | 0.3397% | 3,380 |
Noninterest expense to average assets | 1.9404% | 3,835 |
Loan and lease loss provision to assets | -0.0733% | 4,458 |
Net operating income to assets | 0.9706% | 2,793 |
Return on assets (ROA) | 0.9706% | 2,853 |
Pretax return on assets | 1.0563% | 3,116 |
Return on Equity (ROE) | 8.4592% | 3,090 |
Retained earnings to average equity (ytd only) | 8.4592% | 1,361 |
Net charge-offs to loans | -0.0062% | 3,601 |
Credit loss provision to net charge-offs | 3,150.0000% | 214 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.3749% | 2,212 |
Assets per employee ($millions) | 7.4824% | 1,629 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2786% | 2,462 |
Loan loss allowance to noncurrent loans | 229.7348% | 2,410 |
Noncurrent assets plus other real estate owned to assets | 0.1907% | 2,608 |
Noncurrent loans to loans | 0.5565% | 1,734 |
Net loans and leases to total assets | 33.8306% | 4,384 |
Net loans and leases to deposits | 37.9136% | 4,408 |
Net loans and leases to core deposits | 38.5452% | 4,438 |
Total domestic deposits to total assets | 89.2309% | 1,395 |
Equity capital to assets | 10.6734% | 2,028 |
Core capital (leverage) ratio | 10.5012% | 1,917 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.9255% | 450 |
Memoranda: | ||
Average total assets | $257,887,800 | 2,676 |
Average earning assets | $243,866,000 | 2,656 |
Average equity | $29,589,200 | 2,565 |
Average total loans | $97,085,600 | 3,235 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0451% | 3,915 |
Cost of funding earning assets | 0.1264% | 4,296 |
Net interest margin | 2.9187% | 3,511 |
Noninterest income to average assets | 0.3666% | 3,262 |
Noninterest expense to average assets | 1.9056% | 3,932 |
Loan and lease loss provision to assets | 0.0059% | 2,855 |
Net operating income to assets | 1.2151% | 2,114 |
Return on assets (ROA) | 1.2151% | 2,172 |
Pretax return on assets | 1.2151% | 2,882 |
Return on Equity (ROE) | 10.3919% | 2,595 |
Retained earnings to average equity (ytd only) | 10.3919% | 1,198 |
Net charge-offs to loans | -0.0068% | 3,536 |
Credit loss provision to net charge-offs | -220.0000% | 3,415 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.9501% | 2,844 |
Assets per employee ($millions) | 6.8483% | 1,981 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6019% | 1,336 |
Loan loss allowance to noncurrent loans | 771.5847% | 979 |
Noncurrent assets plus other real estate owned to assets | 0.0685% | 3,645 |
Noncurrent loans to loans | 0.2076% | 3,119 |
Net loans and leases to total assets | 32.4747% | 4,527 |
Net loans and leases to deposits | 36.6679% | 4,557 |
Net loans and leases to core deposits | 37.2654% | 4,587 |
Total domestic deposits to total assets | 88.5642% | 1,534 |
Equity capital to assets | 11.3231% | 1,791 |
Core capital (leverage) ratio | 11.0938% | 1,618 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.4153% | 407 |
Memoranda: | ||
Average total assets | $253,148,000 | 2,729 |
Average earning assets | $239,373,500 | 2,705 |
Average equity | $29,599,250 | 2,595 |
Average total loans | $97,639,000 | 3,278 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0685% | 3,928 |
Cost of funding earning assets | 0.1320% | 4,339 |
Net interest margin | 2.9365% | 3,488 |
Noninterest income to average assets | 0.3710% | 3,259 |
Noninterest expense to average assets | 1.9291% | 3,896 |
Loan and lease loss provision to assets | 0.0089% | 2,744 |
Net operating income to assets | 1.2080% | 2,165 |
Return on assets (ROA) | 1.2080% | 2,232 |
Pretax return on assets | 1.2080% | 2,880 |
Return on Equity (ROE) | 10.2161% | 2,672 |
Retained earnings to average equity (ytd only) | 10.2161% | 1,338 |
Net charge-offs to loans | -0.0040% | 3,361 |
Credit loss provision to net charge-offs | -550.0000% | 3,495 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.3200% | 2,828 |
Assets per employee ($millions) | 6.4124% | 2,227 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5234% | 1,513 |
Loan loss allowance to noncurrent loans | 1,806.4103% | 457 |
Noncurrent assets plus other real estate owned to assets | 0.0312% | 4,044 |
Noncurrent loans to loans | 0.0843% | 3,766 |
Net loans and leases to total assets | 36.4212% | 4,448 |
Net loans and leases to deposits | 41.4718% | 4,475 |
Net loans and leases to core deposits | 42.1982% | 4,513 |
Total domestic deposits to total assets | 87.8217% | 1,928 |
Equity capital to assets | 11.9044% | 1,413 |
Core capital (leverage) ratio | 11.1098% | 1,538 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 25.4909% | 405 |
Memoranda: | ||
Average total assets | $248,503,333 | 2,747 |
Average earning assets | $234,840,000 | 2,725 |
Average equity | $29,385,000 | 2,606 |
Average total loans | $100,803,333 | 3,245 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7776% | 4,395 |
Cost of funding earning assets | 0.1422% | 4,365 |
Net interest margin | 2.6354% | 4,086 |
Noninterest income to average assets | 0.4085% | 3,044 |
Noninterest expense to average assets | 1.9571% | 3,840 |
Loan and lease loss provision to assets | 0.0178% | 2,547 |
Net operating income to assets | 0.9172% | 3,085 |
Return on assets (ROA) | 0.9172% | 3,161 |
Pretax return on assets | 0.9172% | 3,565 |
Return on Equity (ROE) | 7.7830% | 3,394 |
Retained earnings to average equity (ytd only) | 7.7830% | 2,320 |
Net charge-offs to loans | -0.0038% | 3,301 |
Credit loss provision to net charge-offs | -1,100.0000% | 3,388 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.6717% | 1,979 |
Assets per employee ($millions) | 6.3213% | 2,318 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3987% | 1,962 |
Loan loss allowance to noncurrent loans | 1,280.0000% | 546 |
Noncurrent assets plus other real estate owned to assets | 0.0961% | 3,707 |
Noncurrent loans to loans | 0.1093% | 3,763 |
Net loans and leases to total assets | 40.2624% | 4,327 |
Net loans and leases to deposits | 45.7619% | 4,365 |
Net loans and leases to core deposits | 46.5727% | 4,417 |
Total domestic deposits to total assets | 87.9824% | 1,853 |
Equity capital to assets | 11.6919% | 1,442 |
Core capital (leverage) ratio | 10.9904% | 1,715 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 23.2648% | 497 |
Memoranda: | ||
Average total assets | $247,712,500 | 2,743 |
Average earning assets | $233,437,500 | 2,719 |
Average equity | $29,192,000 | 2,608 |
Average total loans | $104,958,500 | 3,199 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6292% | 3,738 |
Cost of funding earning assets | 0.2172% | 4,520 |
Net interest margin | 3.4119% | 2,741 |
Noninterest income to average assets | 0.4806% | 2,721 |
Noninterest expense to average assets | 2.2673% | 3,495 |
Loan and lease loss provision to assets | 0.2181% | 1,797 |
Net operating income to assets | 1.1698% | 1,654 |
Return on assets (ROA) | 1.1698% | 1,768 |
Pretax return on assets | 1.1698% | 2,442 |
Return on Equity (ROE) | 8.9477% | 2,415 |
Retained earnings to average equity (ytd only) | 4.0506% | 2,795 |
Net charge-offs to loans | 0.3265% | 541 |
Credit loss provision to net charge-offs | 124.8691% | 2,601 |
Earnings coverage of net charge-offs (x) | 7.9450% | 2,648 |
Efficiency ratio | 62.0293% | 3,125 |
Assets per employee ($millions) | 6.2224% | 2,147 |
Cash dividends to net income (ytd only)* | 54.7303% | 1,597 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2778% | 2,523 |
Loan loss allowance to noncurrent loans | 671.1538% | 923 |
Noncurrent assets plus other real estate owned to assets | 0.1346% | 3,612 |
Noncurrent loans to loans | 0.1904% | 3,531 |
Net loans and leases to total assets | 43.3331% | 4,283 |
Net loans and leases to deposits | 49.2455% | 4,345 |
Net loans and leases to core deposits | 50.2146% | 4,413 |
Total domestic deposits to total assets | 87.9941% | 1,476 |
Equity capital to assets | 11.8765% | 1,635 |
Core capital (leverage) ratio | 10.8602% | 1,887 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.8379% | 678 |
Memoranda: | ||
Average total assets | $218,672,400 | 2,805 |
Average earning assets | $203,463,000 | 2,799 |
Average equity | $28,588,400 | 2,563 |
Average total loans | $117,009,200 | 3,015 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8655% | 3,369 |
Cost of funding earning assets | 0.2318% | 4,564 |
Net interest margin | 3.6337% | 2,145 |
Noninterest income to average assets | 0.4553% | 2,821 |
Noninterest expense to average assets | 2.2407% | 3,576 |
Loan and lease loss provision to assets | 0.2804% | 1,432 |
Net operating income to assets | 1.3098% | 1,333 |
Return on assets (ROA) | 1.3098% | 1,428 |
Pretax return on assets | 1.3098% | 2,011 |
Return on Equity (ROE) | 9.7556% | 2,111 |
Retained earnings to average equity (ytd only) | 3.1703% | 3,442 |
Net charge-offs to loans | 0.4293% | 371 |
Credit loss provision to net charge-offs | 115.9269% | 2,512 |
Earnings coverage of net charge-offs (x) | 6.5744% | 2,640 |
Efficiency ratio | 58.4899% | 3,601 |
Assets per employee ($millions) | 5.8797% | 2,369 |
Cash dividends to net income (ytd only)* | 67.5024% | 894 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1434% | 2,962 |
Loan loss allowance to noncurrent loans | 124.8396% | 2,967 |
Noncurrent assets plus other real estate owned to assets | 0.5179% | 2,141 |
Noncurrent loans to loans | 0.9159% | 1,630 |
Net loans and leases to total assets | 50.0693% | 4,096 |
Net loans and leases to deposits | 57.2514% | 4,199 |
Net loans and leases to core deposits | 58.5215% | 4,277 |
Total domestic deposits to total assets | 87.4551% | 1,473 |
Equity capital to assets | 12.3841% | 1,476 |
Core capital (leverage) ratio | 11.3532% | 1,685 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.7521% | 703 |
Memoranda: | ||
Average total assets | $211,116,750 | 2,840 |
Average earning assets | $196,123,250 | 2,844 |
Average equity | $28,345,500 | 2,570 |
Average total loans | $118,949,000 | 3,002 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2666% | 2,558 |
Cost of funding earning assets | 0.2495% | 4,623 |
Net interest margin | 4.0171% | 1,278 |
Noninterest income to average assets | 0.4126% | 3,005 |
Noninterest expense to average assets | 2.2994% | 3,514 |
Loan and lease loss provision to assets | 0.0995% | 3,031 |
Net operating income to assets | 1.7233% | 599 |
Return on assets (ROA) | 1.7233% | 650 |
Pretax return on assets | 1.7233% | 951 |
Return on Equity (ROE) | 12.4620% | 1,225 |
Retained earnings to average equity (ytd only) | 2.4924% | 3,580 |
Net charge-offs to loans | -0.0034% | 3,905 |
Credit loss provision to net charge-offs | -5,050.0000% | 4,104 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.7812% | 3,968 |
Assets per employee ($millions) | 5.7191% | 2,432 |
Cash dividends to net income (ytd only)* | 80.0000% | 756 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1307% | 2,874 |
Loan loss allowance to noncurrent loans | 161.9377% | 2,471 |
Noncurrent assets plus other real estate owned to assets | 0.4457% | 2,534 |
Noncurrent loans to loans | 0.6982% | 2,132 |
Net loans and leases to total assets | 55.0425% | 3,774 |
Net loans and leases to deposits | 63.3323% | 3,932 |
Net loans and leases to core deposits | 64.5867% | 4,045 |
Total domestic deposits to total assets | 86.9107% | 1,661 |
Equity capital to assets | 12.9329% | 1,199 |
Core capital (leverage) ratio | 12.3768% | 1,224 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.6532% | 708 |
Memoranda: | ||
Average total assets | $203,093,000 | 2,880 |
Average earning assets | $187,549,000 | 2,892 |
Average equity | $28,085,333 | 2,579 |
Average total loans | $118,892,333 | 2,995 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1201% | 3,465 |
Cost of funding earning assets | 0.3058% | 4,644 |
Net interest margin | 3.8143% | 1,923 |
Noninterest income to average assets | 0.3998% | 3,108 |
Noninterest expense to average assets | 2.3758% | 3,592 |
Loan and lease loss provision to assets | 0.0373% | 3,306 |
Net operating income to assets | 1.4747% | 829 |
Return on assets (ROA) | 1.4747% | 906 |
Pretax return on assets | 1.4747% | 1,373 |
Return on Equity (ROE) | 10.2797% | 1,651 |
Retained earnings to average equity (ytd only) | -9.9332% | 4,765 |
Net charge-offs to loans | -0.0034% | 3,755 |
Credit loss provision to net charge-offs | -1,800.0000% | 3,687 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.1082% | 3,600 |
Assets per employee ($millions) | 4.8706% | 2,788 |
Cash dividends to net income (ytd only)* | 196.6292% | 307 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1454% | 2,959 |
Loan loss allowance to noncurrent loans | 365.6510% | 1,289 |
Noncurrent assets plus other real estate owned to assets | 0.2569% | 3,425 |
Noncurrent loans to loans | 0.3133% | 3,373 |
Net loans and leases to total assets | 59.9716% | 3,495 |
Net loans and leases to deposits | 70.3447% | 3,561 |
Net loans and leases to core deposits | 72.0172% | 3,764 |
Total domestic deposits to total assets | 85.2539% | 2,311 |
Equity capital to assets | 14.5598% | 873 |
Core capital (leverage) ratio | 12.9909% | 1,210 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 20.0658% | 860 |
Memoranda: | ||
Average total assets | $193,117,500 | 2,922 |
Average earning assets | $176,597,000 | 2,951 |
Average equity | $27,705,000 | 2,594 |
Average total loans | $116,252,000 | 2,996 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4430% | 3,132 |
Cost of funding earning assets | 0.3434% | 4,619 |
Net interest margin | 4.0996% | 1,544 |
Noninterest income to average assets | 0.3967% | 3,315 |
Noninterest expense to average assets | 2.5597% | 3,291 |
Loan and lease loss provision to assets | 0.4929% | 259 |
Net operating income to assets | 1.0965% | 2,460 |
Return on assets (ROA) | 1.1852% | 2,213 |
Pretax return on assets | 1.1852% | 2,891 |
Return on Equity (ROE) | 8.3756% | 3,004 |
Retained earnings to average equity (ytd only) | 0.8198% | 4,454 |
Net charge-offs to loans | 1.0077% | 159 |
Credit loss provision to net charge-offs | 72.4843% | 2,881 |
Earnings coverage of net charge-offs (x) | 2.3373% | 3,427 |
Efficiency ratio | 61.6931% | 3,424 |
Assets per employee ($millions) | 4.7873% | 2,854 |
Cash dividends to net income (ytd only)* | 90.2120% | 516 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1095% | 2,896 |
Loan loss allowance to noncurrent loans | 293.0180% | 1,553 |
Noncurrent assets plus other real estate owned to assets | 0.2909% | 3,270 |
Noncurrent loans to loans | 0.3786% | 3,080 |
Net loans and leases to total assets | 59.0809% | 3,666 |
Net loans and leases to deposits | 68.9847% | 3,744 |
Net loans and leases to core deposits | 70.7758% | 3,924 |
Total domestic deposits to total assets | 85.6435% | 2,222 |
Equity capital to assets | 14.1395% | 1,043 |
Core capital (leverage) ratio | 13.3849% | 1,088 |
Tier 1 risk-based capital ratio | 19.4014% | 1,436 |
Total risk-based capital ratio | 20.4123% | 1,452 |
Memoranda: | ||
Average total assets | $187,054,800 | 2,945 |
Average earning assets | $171,213,200 | 2,970 |
Average equity | $26,469,600 | 2,596 |
Average total loans | $126,225,600 | 2,866 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5326% | 2,955 |
Cost of funding earning assets | 0.3434% | 4,682 |
Net interest margin | 4.1892% | 1,396 |
Noninterest income to average assets | 0.3774% | 3,455 |
Noninterest expense to average assets | 2.5555% | 3,286 |
Loan and lease loss provision to assets | 0.6654% | 161 |
Net operating income to assets | 1.0125% | 2,937 |
Return on assets (ROA) | 1.0190% | 2,987 |
Pretax return on assets | 1.0190% | 3,529 |
Return on Equity (ROE) | 7.1997% | 3,610 |
Retained earnings to average equity (ytd only) | -2.9982% | 4,992 |
Net charge-offs to loans | 1.3264% | 105 |
Credit loss provision to net charge-offs | 72.1440% | 2,596 |
Earnings coverage of net charge-offs (x) | 1.8192% | 3,253 |
Efficiency ratio | 60.3648% | 3,571 |
Assets per employee ($millions) | 4.4791% | 3,245 |
Cash dividends to net income (ytd only)* | 141.6430% | 130 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0829% | 3,115 |
Loan loss allowance to noncurrent loans | 64.9774% | 3,912 |
Noncurrent assets plus other real estate owned to assets | 1.0853% | 1,209 |
Noncurrent loans to loans | 1.6666% | 880 |
Net loans and leases to total assets | 64.4150% | 3,245 |
Net loans and leases to deposits | 75.8439% | 3,308 |
Net loans and leases to core deposits | 77.8663% | 3,560 |
Total domestic deposits to total assets | 84.9310% | 2,447 |
Equity capital to assets | 14.8043% | 906 |
Core capital (leverage) ratio | 13.2994% | 1,213 |
Tier 1 risk-based capital ratio | 18.8376% | 1,600 |
Total risk-based capital ratio | 19.8471% | 1,632 |
Memoranda: | ||
Average total assets | $184,748,500 | 2,996 |
Average earning assets | $170,053,750 | 3,009 |
Average equity | $26,148,750 | 2,629 |
Average total loans | $128,465,750 | 2,875 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5172% | 2,963 |
Cost of funding earning assets | 0.3249% | 4,754 |
Net interest margin | 4.1923% | 1,387 |
Noninterest income to average assets | 0.3619% | 3,510 |
Noninterest expense to average assets | 2.5605% | 3,300 |
Loan and lease loss provision to assets | 1.4153% | 62 |
Net operating income to assets | 0.2474% | 4,939 |
Return on assets (ROA) | 0.2474% | 4,957 |
Pretax return on assets | 0.2474% | 4,982 |
Return on Equity (ROE) | 1.7750% | 4,968 |
Retained earnings to average equity (ytd only) | -13.7273% | 5,210 |
Net charge-offs to loans | 2.1290% | 47 |
Credit loss provision to net charge-offs | 93.6383% | 2,095 |
Earnings coverage of net charge-offs (x) | 1.1001% | 3,052 |
Efficiency ratio | 60.6293% | 3,638 |
Assets per employee ($millions) | 4.5138% | 3,119 |
Cash dividends to net income (ytd only)* | 873.3624% | 6 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2288% | 2,367 |
Loan loss allowance to noncurrent loans | 71.0000% | 3,820 |
Noncurrent assets plus other real estate owned to assets | 1.1888% | 1,124 |
Noncurrent loans to loans | 1.7306% | 878 |
Net loans and leases to total assets | 67.8457% | 2,834 |
Net loans and leases to deposits | 79.0867% | 3,049 |
Net loans and leases to core deposits | 81.1549% | 3,328 |
Total domestic deposits to total assets | 85.7865% | 2,141 |
Equity capital to assets | 13.9952% | 1,120 |
Core capital (leverage) ratio | 12.9595% | 1,311 |
Tier 1 risk-based capital ratio | 17.2061% | 2,026 |
Total risk-based capital ratio | 18.3755% | 1,999 |
Memoranda: | ||
Average total assets | $185,117,330 | 3,002 |
Average earning assets | $170,502,670 | 3,012 |
Average equity | $25,802,670 | 2,651 |
Average total loans | $131,425,000 | 2,850 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5301% | 2,767 |
Cost of funding earning assets | 0.2817% | 4,892 |
Net interest margin | 4.2485% | 1,199 |
Noninterest income to average assets | 0.3284% | 3,660 |
Noninterest expense to average assets | 2.4392% | 3,657 |
Loan and lease loss provision to assets | 2.7525% | 29 |
Net operating income to assets | -0.9528% | 5,285 |
Return on assets (ROA) | -0.9528% | 5,282 |
Pretax return on assets | -0.9528% | 5,276 |
Return on Equity (ROE) | -6.8494% | 5,275 |
Retained earnings to average equity (ytd only) | -37.9126% | 5,324 |
Net charge-offs to loans | 4.1893% | 25 |
Credit loss provision to net charge-offs | 91.0650% | 1,709 |
Earnings coverage of net charge-offs (x) | 0.5954% | 2,659 |
Efficiency ratio | 57.5433% | 4,144 |
Assets per employee ($millions) | 4.3143% | 3,467 |
Cash dividends to net income (ytd only)* | -453.5147% | 5,349 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1721% | 2,730 |
Loan loss allowance to noncurrent loans | 54.2096% | 4,190 |
Noncurrent assets plus other real estate owned to assets | 1.6490% | 677 |
Noncurrent loans to loans | 2.1622% | 666 |
Net loans and leases to total assets | 71.0066% | 2,325 |
Net loans and leases to deposits | 82.4436% | 2,569 |
Net loans and leases to core deposits | 84.6346% | 2,977 |
Total domestic deposits to total assets | 86.1275% | 2,214 |
Equity capital to assets | 13.6854% | 1,135 |
Core capital (leverage) ratio | 12.2839% | 1,614 |
Tier 1 risk-based capital ratio | 16.3795% | 2,308 |
Total risk-based capital ratio | 17.4998% | 2,299 |
Memoranda: | ||
Average total assets | $185,144,000 | 3,031 |
Average earning assets | $170,415,000 | 3,050 |
Average equity | $25,754,000 | 2,660 |
Average total loans | $133,577,500 | 2,865 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4422% | 2,627 |
Cost of funding earning assets | 0.1867% | 5,055 |
Net interest margin | 4.2555% | 1,261 |
Noninterest income to average assets | 0.3739% | 3,592 |
Noninterest expense to average assets | 2.6062% | 3,316 |
Loan and lease loss provision to assets | 0.0645% | 2,865 |
Net operating income to assets | 1.6445% | 785 |
Return on assets (ROA) | 1.6445% | 785 |
Pretax return on assets | 1.6445% | 1,327 |
Return on Equity (ROE) | 11.1412% | 2,029 |
Retained earnings to average equity (ytd only) | -8.2649% | 5,297 |
Net charge-offs to loans | -0.0208% | 4,711 |
Credit loss provision to net charge-offs | -434.4828% | 4,609 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.3959% | 3,787 |
Assets per employee ($millions) | 4.2975% | 3,467 |
Cash dividends to net income (ytd only)* | 174.1835% | 69 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2054% | 2,540 |
Loan loss allowance to noncurrent loans | 69.5744% | 3,929 |
Noncurrent assets plus other real estate owned to assets | 1.3465% | 932 |
Noncurrent loans to loans | 1.7326% | 828 |
Net loans and leases to total assets | 71.5614% | 2,334 |
Net loans and leases to deposits | 83.5096% | 2,561 |
Net loans and leases to core deposits | 84.3299% | 3,053 |
Total domestic deposits to total assets | 85.6924% | 2,366 |
Equity capital to assets | 14.1257% | 933 |
Core capital (leverage) ratio | 13.2727% | 1,149 |
Tier 1 risk-based capital ratio | 17.2510% | 1,974 |
Total risk-based capital ratio | 18.4017% | 1,956 |
Memoranda: | ||
Average total assets | $195,495,200 | 2,911 |
Average earning assets | $181,060,000 | 2,908 |
Average equity | $28,856,800 | 2,403 |
Average total loans | $139,279,000 | 2,778 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3709% | 2,726 |
Cost of funding earning assets | 0.1616% | 5,183 |
Net interest margin | 4.2093% | 1,335 |
Noninterest income to average assets | 0.3727% | 3,646 |
Noninterest expense to average assets | 2.4779% | 3,656 |
Loan and lease loss provision to assets | 0.0731% | 2,491 |
Net operating income to assets | 1.7345% | 696 |
Return on assets (ROA) | 1.7345% | 702 |
Pretax return on assets | 1.7345% | 1,194 |
Return on Equity (ROE) | 11.6304% | 1,941 |
Retained earnings to average equity (ytd only) | -6.5138% | 5,340 |
Net charge-offs to loans | -0.0267% | 4,710 |
Credit loss provision to net charge-offs | -385.7143% | 4,444 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.8216% | 4,151 |
Assets per employee ($millions) | 4.3749% | 3,317 |
Cash dividends to net income (ytd only)* | 156.0063% | 76 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1765% | 2,760 |
Loan loss allowance to noncurrent loans | 123.1698% | 3,103 |
Noncurrent assets plus other real estate owned to assets | 0.7043% | 2,090 |
Noncurrent loans to loans | 0.9552% | 1,782 |
Net loans and leases to total assets | 72.8726% | 2,192 |
Net loans and leases to deposits | 89.4889% | 1,962 |
Net loans and leases to core deposits | 90.4161% | 2,625 |
Total domestic deposits to total assets | 81.4321% | 3,755 |
Equity capital to assets | 14.5630% | 816 |
Core capital (leverage) ratio | 13.5578% | 1,084 |
Tier 1 risk-based capital ratio | 17.7813% | 1,849 |
Total risk-based capital ratio | 18.9104% | 1,838 |
Memoranda: | ||
Average total assets | $197,097,000 | 2,924 |
Average earning assets | $183,208,750 | 2,911 |
Average equity | $29,393,500 | 2,379 |
Average total loans | $139,857,500 | 2,783 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2697% | 2,874 |
Cost of funding earning assets | 0.1466% | 5,260 |
Net interest margin | 4.1231% | 1,482 |
Noninterest income to average assets | 0.3668% | 3,701 |
Noninterest expense to average assets | 2.4819% | 3,675 |
Loan and lease loss provision to assets | 0.0720% | 2,449 |
Net operating income to assets | 1.6373% | 831 |
Return on assets (ROA) | 1.6373% | 835 |
Pretax return on assets | 1.6373% | 1,386 |
Return on Equity (ROE) | 10.8984% | 2,152 |
Retained earnings to average equity (ytd only) | 10.8984% | 688 |
Net charge-offs to loans | 0.0086% | 2,821 |
Credit loss provision to net charge-offs | 1,200.0000% | 346 |
Earnings coverage of net charge-offs (x) | 285.0000% | 316 |
Efficiency ratio | 59.2177% | 4,051 |
Assets per employee ($millions) | 4.5994% | 2,973 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1402% | 3,037 |
Loan loss allowance to noncurrent loans | 83.9334% | 3,767 |
Noncurrent assets plus other real estate owned to assets | 0.9634% | 1,565 |
Noncurrent loans to loans | 1.3585% | 1,249 |
Net loans and leases to total assets | 70.1055% | 2,565 |
Net loans and leases to deposits | 83.4820% | 2,593 |
Net loans and leases to core deposits | 84.2957% | 3,058 |
Total domestic deposits to total assets | 83.9768% | 3,075 |
Equity capital to assets | 15.8576% | 520 |
Core capital (leverage) ratio | 14.9657% | 679 |
Tier 1 risk-based capital ratio | 20.0386% | 1,313 |
Total risk-based capital ratio | 21.1263% | 1,318 |
Memoranda: | ||
Average total assets | $200,089,330 | 2,894 |
Average earning assets | $185,586,330 | 2,910 |
Average equity | $30,059,330 | 2,344 |
Average total loans | $140,236,670 | 2,789 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2604% | 2,669 |
Cost of funding earning assets | 0.1420% | 5,304 |
Net interest margin | 4.1184% | 1,390 |
Noninterest income to average assets | 0.3262% | 3,974 |
Noninterest expense to average assets | 2.4623% | 3,769 |
Loan and lease loss provision to assets | 0.0707% | 2,347 |
Net operating income to assets | 1.6114% | 831 |
Return on assets (ROA) | 1.6114% | 833 |
Pretax return on assets | 1.6114% | 1,358 |
Return on Equity (ROE) | 11.0169% | 1,962 |
Retained earnings to average equity (ytd only) | 11.0169% | 895 |
Net charge-offs to loans | -0.0226% | 4,617 |
Credit loss provision to net charge-offs | -450.0000% | 3,974 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.4120% | 4,144 |
Assets per employee ($millions) | 4.6287% | 2,964 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1181% | 3,277 |
Loan loss allowance to noncurrent loans | 53.1034% | 4,398 |
Noncurrent assets plus other real estate owned to assets | 1.4917% | 933 |
Noncurrent loans to loans | 2.1056% | 737 |
Net loans and leases to total assets | 70.0551% | 2,479 |
Net loans and leases to deposits | 82.9931% | 2,503 |
Net loans and leases to core deposits | 83.9218% | 2,991 |
Total domestic deposits to total assets | 84.4108% | 3,142 |
Equity capital to assets | 15.3742% | 591 |
Core capital (leverage) ratio | 14.1006% | 854 |
Tier 1 risk-based capital ratio | 19.0689% | 1,536 |
Total risk-based capital ratio | 20.1192% | 1,545 |
Memoranda: | ||
Average total assets | $203,546,000 | 2,901 |
Average earning assets | $188,716,000 | 2,894 |
Average equity | $29,772,500 | 2,386 |
Average total loans | $141,860,500 | 2,789 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1515% | 2,877 |
Cost of funding earning assets | 0.1486% | 5,267 |
Net interest margin | 4.0029% | 1,746 |
Noninterest income to average assets | 0.5798% | 2,552 |
Noninterest expense to average assets | 2.5531% | 3,596 |
Loan and lease loss provision to assets | 0.0495% | 3,233 |
Net operating income to assets | 1.6776% | 553 |
Return on assets (ROA) | 1.6800% | 563 |
Pretax return on assets | 1.6800% | 1,058 |
Return on Equity (ROE) | 12.0118% | 1,209 |
Retained earnings to average equity (ytd only) | 1.9441% | 4,160 |
Net charge-offs to loans | 0.0498% | 2,792 |
Credit loss provision to net charge-offs | 145.7143% | 1,823 |
Earnings coverage of net charge-offs (x) | 50.8143% | 1,071 |
Efficiency ratio | 59.6483% | 4,313 |
Assets per employee ($millions) | 4.9462% | 2,542 |
Cash dividends to net income (ytd only)* | 83.8150% | 703 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0247% | 3,775 |
Loan loss allowance to noncurrent loans | 152.1872% | 2,774 |
Noncurrent assets plus other real estate owned to assets | 0.4622% | 3,024 |
Noncurrent loans to loans | 0.6733% | 2,529 |
Net loans and leases to total assets | 67.9375% | 2,826 |
Net loans and leases to deposits | 83.1478% | 2,591 |
Net loans and leases to core deposits | 83.6944% | 3,084 |
Total domestic deposits to total assets | 81.7070% | 3,941 |
Equity capital to assets | 13.9439% | 929 |
Core capital (leverage) ratio | 13.1491% | 1,095 |
Tier 1 risk-based capital ratio | 17.5530% | 1,932 |
Total risk-based capital ratio | 18.5206% | 1,958 |
Memoranda: | ||
Average total assets | $205,949,400 | 2,862 |
Average earning assets | $190,388,000 | 2,859 |
Average equity | $28,805,000 | 2,446 |
Average total loans | $140,568,000 | 2,772 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1392% | 2,838 |
Cost of funding earning assets | 0.1319% | 5,417 |
Net interest margin | 4.0073% | 1,673 |
Noninterest income to average assets | 0.5313% | 2,831 |
Noninterest expense to average assets | 2.3720% | 4,088 |
Loan and lease loss provision to assets | 0.0431% | 3,241 |
Net operating income to assets | 1.8250% | 450 |
Return on assets (ROA) | 1.8283% | 454 |
Pretax return on assets | 1.8283% | 828 |
Return on Equity (ROE) | 13.0616% | 1,045 |
Retained earnings to average equity (ytd only) | -0.4617% | 5,285 |
Net charge-offs to loans | 0.0287% | 2,857 |
Credit loss provision to net charge-offs | 220.0000% | 1,256 |
Earnings coverage of net charge-offs (x) | 95.3975% | 709 |
Efficiency ratio | 55.9421% | 4,745 |
Assets per employee ($millions) | 4.8771% | 2,599 |
Cash dividends to net income (ytd only)* | 103.5345% | 276 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0431% | 3,825 |
Loan loss allowance to noncurrent loans | 308.0082% | 1,559 |
Noncurrent assets plus other real estate owned to assets | 0.2861% | 3,919 |
Noncurrent loans to loans | 0.3387% | 3,736 |
Net loans and leases to total assets | 69.4725% | 2,636 |
Net loans and leases to deposits | 87.6241% | 2,110 |
Net loans and leases to core deposits | 88.0764% | 2,763 |
Total domestic deposits to total assets | 79.2846% | 4,481 |
Equity capital to assets | 14.4006% | 883 |
Core capital (leverage) ratio | 13.1061% | 1,167 |
Tier 1 risk-based capital ratio | 17.5040% | 2,009 |
Total risk-based capital ratio | 18.4956% | 2,034 |
Memoranda: | ||
Average total assets | $204,264,750 | 2,905 |
Average earning assets | $189,048,250 | 2,907 |
Average equity | $28,592,000 | 2,473 |
Average total loans | $139,212,250 | 2,809 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0992% | 2,834 |
Cost of funding earning assets | 0.1243% | 5,483 |
Net interest margin | 3.9750% | 1,695 |
Noninterest income to average assets | 0.4773% | 3,166 |
Noninterest expense to average assets | 2.3756% | 4,131 |
Loan and lease loss provision to assets | 0.0353% | 3,294 |
Net operating income to assets | 1.7347% | 520 |
Return on assets (ROA) | 1.7376% | 527 |
Pretax return on assets | 1.7376% | 968 |
Return on Equity (ROE) | 12.5345% | 1,155 |
Retained earnings to average equity (ytd only) | -7.9675% | 5,611 |
Net charge-offs to loans | -0.0029% | 4,227 |
Credit loss provision to net charge-offs | -1,800.0000% | 4,935 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.3050% | 4,674 |
Assets per employee ($millions) | 4.6373% | 2,879 |
Cash dividends to net income (ytd only)* | 163.5646% | 119 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0606% | 3,792 |
Loan loss allowance to noncurrent loans | 981.6993% | 586 |
Noncurrent assets plus other real estate owned to assets | 0.2426% | 4,169 |
Noncurrent loans to loans | 0.1080% | 4,690 |
Net loans and leases to total assets | 68.6684% | 2,711 |
Net loans and leases to deposits | 81.1863% | 2,783 |
Net loans and leases to core deposits | 81.6990% | 3,280 |
Total domestic deposits to total assets | 84.5812% | 2,987 |
Equity capital to assets | 14.0005% | 964 |
Core capital (leverage) ratio | 12.7239% | 1,285 |
Tier 1 risk-based capital ratio | 16.7259% | 2,226 |
Total risk-based capital ratio | 17.7130% | 2,286 |
Memoranda: | ||
Average total assets | $204,073,670 | 2,921 |
Average earning assets | $188,329,330 | 2,930 |
Average equity | $28,290,000 | 2,490 |
Average total loans | $137,681,000 | 2,840 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0595% | 2,801 |
Cost of funding earning assets | 0.1195% | 5,566 |
Net interest margin | 3.9400% | 1,643 |
Noninterest income to average assets | 0.4410% | 3,372 |
Noninterest expense to average assets | 2.4088% | 4,088 |
Loan and lease loss provision to assets | 0.0353% | 3,082 |
Net operating income to assets | 1.6150% | 657 |
Return on assets (ROA) | 1.6209% | 667 |
Pretax return on assets | 1.6209% | 1,180 |
Return on Equity (ROE) | 11.7507% | 1,323 |
Retained earnings to average equity (ytd only) | -29.4549% | 5,791 |
Net charge-offs to loans | -0.0383% | 5,051 |
Credit loss provision to net charge-offs | -138.4615% | 3,994 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.3433% | 4,553 |
Assets per employee ($millions) | 4.7020% | 2,843 |
Cash dividends to net income (ytd only)* | 350.6651% | 72 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1111% | 3,651 |
Loan loss allowance to noncurrent loans | 468.6520% | 1,103 |
Noncurrent assets plus other real estate owned to assets | 0.3418% | 3,827 |
Noncurrent loans to loans | 0.2371% | 4,263 |
Net loans and leases to total assets | 65.8094% | 3,000 |
Net loans and leases to deposits | 76.1717% | 3,181 |
Net loans and leases to core deposits | 76.4167% | 3,618 |
Total domestic deposits to total assets | 86.3961% | 2,497 |
Equity capital to assets | 13.4175% | 1,103 |
Core capital (leverage) ratio | 12.3808% | 1,403 |
Tier 1 risk-based capital ratio | 16.8588% | 2,232 |
Total risk-based capital ratio | 17.8874% | 2,267 |
Memoranda: | ||
Average total assets | $204,089,000 | 2,948 |
Average earning assets | $187,410,500 | 2,966 |
Average equity | $28,151,500 | 2,502 |
Average total loans | $135,714,000 | 2,876 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2367% | 2,363 |
Cost of funding earning assets | 0.1289% | 5,556 |
Net interest margin | 4.1079% | 1,367 |
Noninterest income to average assets | 0.3895% | 3,968 |
Noninterest expense to average assets | 2.4998% | 4,015 |
Loan and lease loss provision to assets | 0.0509% | 3,366 |
Net operating income to assets | 1.6269% | 639 |
Return on assets (ROA) | 1.8356% | 431 |
Pretax return on assets | 1.8356% | 723 |
Return on Equity (ROE) | 12.7301% | 1,062 |
Retained earnings to average equity (ytd only) | 12.7301% | 183 |
Net charge-offs to loans | 0.0856% | 2,475 |
Credit loss provision to net charge-offs | 88.6957% | 2,823 |
Earnings coverage of net charge-offs (x) | 29.2174% | 1,453 |
Efficiency ratio | 59.8374% | 4,608 |
Assets per employee ($millions) | 4.7906% | 2,664 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0696% | 3,896 |
Loan loss allowance to noncurrent loans | 320.3501% | 1,548 |
Noncurrent assets plus other real estate owned to assets | 0.4107% | 3,632 |
Noncurrent loans to loans | 0.3339% | 3,943 |
Net loans and leases to total assets | 65.7364% | 3,109 |
Net loans and leases to deposits | 76.7556% | 3,233 |
Net loans and leases to core deposits | 77.0000% | 3,658 |
Total domestic deposits to total assets | 85.6438% | 2,759 |
Equity capital to assets | 14.1630% | 837 |
Core capital (leverage) ratio | 12.9726% | 1,143 |
Tier 1 risk-based capital ratio | 17.6829% | 1,950 |
Total risk-based capital ratio | 18.6569% | 1,992 |
Memoranda: | ||
Average total assets | $200,257,000 | 2,953 |
Average earning assets | $184,670,400 | 2,959 |
Average equity | $28,876,400 | 2,462 |
Average total loans | $134,346,800 | 2,860 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2623% | 2,291 |
Cost of funding earning assets | 0.1297% | 5,618 |
Net interest margin | 4.1326% | 1,300 |
Noninterest income to average assets | 0.3997% | 3,922 |
Noninterest expense to average assets | 2.3826% | 4,327 |
Loan and lease loss provision to assets | 0.0563% | 3,117 |
Net operating income to assets | 1.7865% | 503 |
Return on assets (ROA) | 1.7114% | 612 |
Pretax return on assets | 1.7114% | 1,084 |
Return on Equity (ROE) | 11.8138% | 1,386 |
Retained earnings to average equity (ytd only) | 11.8138% | 330 |
Net charge-offs to loans | 0.0708% | 2,300 |
Credit loss provision to net charge-offs | 118.3099% | 2,115 |
Earnings coverage of net charge-offs (x) | 38.7060% | 1,271 |
Efficiency ratio | 56.3879% | 5,018 |
Assets per employee ($millions) | 4.4513% | 3,161 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1038% | 3,812 |
Loan loss allowance to noncurrent loans | 95.5741% | 3,716 |
Noncurrent assets plus other real estate owned to assets | 1.0059% | 2,052 |
Noncurrent loans to loans | 1.1549% | 1,941 |
Net loans and leases to total assets | 66.6455% | 3,011 |
Net loans and leases to deposits | 78.6711% | 3,114 |
Net loans and leases to core deposits | 79.1915% | 3,530 |
Total domestic deposits to total assets | 84.7141% | 2,935 |
Equity capital to assets | 15.0927% | 714 |
Core capital (leverage) ratio | 12.8302% | 1,251 |
Tier 1 risk-based capital ratio | 16.6319% | 2,366 |
Total risk-based capital ratio | 17.6055% | 2,425 |
Memoranda: | ||
Average total assets | $198,822,750 | 2,981 |
Average earning assets | $184,061,000 | 2,982 |
Average equity | $28,801,750 | 2,471 |
Average total loans | $133,714,250 | 2,866 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2622% | 2,288 |
Cost of funding earning assets | 0.1288% | 5,700 |
Net interest margin | 4.1334% | 1,282 |
Noninterest income to average assets | 0.3530% | 4,252 |
Noninterest expense to average assets | 2.4465% | 4,199 |
Loan and lease loss provision to assets | 0.0303% | 3,522 |
Net operating income to assets | 1.6952% | 584 |
Return on assets (ROA) | 1.6145% | 744 |
Pretax return on assets | 1.6145% | 1,328 |
Return on Equity (ROE) | 11.3045% | 1,538 |
Retained earnings to average equity (ytd only) | 11.3045% | 402 |
Net charge-offs to loans | 0.1155% | 1,675 |
Credit loss provision to net charge-offs | 38.9610% | 2,777 |
Earnings coverage of net charge-offs (x) | 22.2208% | 1,639 |
Efficiency ratio | 58.6415% | 4,820 |
Assets per employee ($millions) | 4.2725% | 3,424 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0803% | 4,047 |
Loan loss allowance to noncurrent loans | 102.3622% | 3,656 |
Noncurrent assets plus other real estate owned to assets | 0.9886% | 2,162 |
Noncurrent loans to loans | 1.0554% | 2,177 |
Net loans and leases to total assets | 66.6239% | 2,993 |
Net loans and leases to deposits | 78.3218% | 3,117 |
Net loans and leases to core deposits | 79.0958% | 3,542 |
Total domestic deposits to total assets | 85.0643% | 2,844 |
Equity capital to assets | 14.7545% | 800 |
Core capital (leverage) ratio | 12.6492% | 1,283 |
Tier 1 risk-based capital ratio | 16.1830% | 2,560 |
Total risk-based capital ratio | 17.1274% | 2,639 |
Memoranda: | ||
Average total assets | $198,327,330 | 2,992 |
Average earning assets | $183,238,670 | 3,004 |
Average equity | $28,325,000 | 2,509 |
Average total loans | $133,290,000 | 2,880 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2420% | 2,326 |
Cost of funding earning assets | 0.1264% | 5,776 |
Net interest margin | 4.1156% | 1,295 |
Noninterest income to average assets | 0.3333% | 4,349 |
Noninterest expense to average assets | 2.3813% | 4,424 |
Loan and lease loss provision to assets | 0.0241% | 3,367 |
Net operating income to assets | 1.7187% | 552 |
Return on assets (ROA) | 1.6665% | 654 |
Pretax return on assets | 1.6665% | 1,136 |
Return on Equity (ROE) | 11.8620% | 1,352 |
Retained earnings to average equity (ytd only) | 11.8620% | 526 |
Net charge-offs to loans | 0.0000% | 3,094 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.7410% | 5,027 |
Assets per employee ($millions) | 4.4263% | 3,208 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1479% | 3,781 |
Loan loss allowance to noncurrent loans | 52.4665% | 4,766 |
Noncurrent assets plus other real estate owned to assets | 1.7129% | 1,127 |
Noncurrent loans to loans | 2.1879% | 940 |
Net loans and leases to total assets | 65.8374% | 2,974 |
Net loans and leases to deposits | 77.2353% | 3,084 |
Net loans and leases to core deposits | 78.0026% | 3,492 |
Total domestic deposits to total assets | 85.2426% | 3,022 |
Equity capital to assets | 14.5725% | 816 |
Core capital (leverage) ratio | 12.2430% | 1,470 |
Tier 1 risk-based capital ratio | 15.6044% | 2,859 |
Total risk-based capital ratio | 16.5834% | 2,944 |
Memoranda: | ||
Average total assets | $199,223,000 | 2,995 |
Average earning assets | $183,497,000 | 3,010 |
Average equity | $27,988,500 | 2,533 |
Average total loans | $133,750,000 | 2,879 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3992% | 1,908 |
Cost of funding earning assets | 0.1474% | 5,701 |
Net interest margin | 4.2518% | 1,060 |
Noninterest income to average assets | 0.3057% | 4,697 |
Noninterest expense to average assets | 2.5753% | 4,008 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 1.6546% | 624 |
Return on assets (ROA) | 1.5853% | 754 |
Pretax return on assets | 1.5853% | 1,294 |
Return on Equity (ROE) | 10.8848% | 1,652 |
Retained earnings to average equity (ytd only) | -1.1788% | 5,683 |
Net charge-offs to loans | 0.1412% | 1,934 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 17.4392% | 2,073 |
Efficiency ratio | 60.8830% | 4,774 |
Assets per employee ($millions) | 4.5264% | 2,998 |
Cash dividends to net income (ytd only)* | 110.8296% | 300 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0719% | 4,200 |
Loan loss allowance to noncurrent loans | 63.4450% | 4,554 |
Noncurrent assets plus other real estate owned to assets | 1.3958% | 1,499 |
Noncurrent loans to loans | 1.6896% | 1,342 |
Net loans and leases to total assets | 66.9211% | 2,860 |
Net loans and leases to deposits | 77.5755% | 3,095 |
Net loans and leases to core deposits | 78.3032% | 3,513 |
Total domestic deposits to total assets | 86.2658% | 2,510 |
Equity capital to assets | 13.5481% | 1,111 |
Core capital (leverage) ratio | 11.6234% | 1,874 |
Tier 1 risk-based capital ratio | 14.3531% | 3,521 |
Total risk-based capital ratio | 15.2788% | 3,625 |
Memoranda: | ||
Average total assets | $199,200,400 | 2,961 |
Average earning assets | $183,850,600 | 2,959 |
Average equity | $29,013,000 | 2,395 |
Average total loans | $133,856,200 | 2,820 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3844% | 1,970 |
Cost of funding earning assets | 0.1498% | 5,782 |
Net interest margin | 4.2346% | 1,094 |
Noninterest income to average assets | 0.3150% | 4,687 |
Noninterest expense to average assets | 2.4636% | 4,300 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 1.7716% | 551 |
Return on assets (ROA) | 1.6989% | 648 |
Pretax return on assets | 1.6989% | 1,109 |
Return on Equity (ROE) | 11.4592% | 1,545 |
Retained earnings to average equity (ytd only) | 11.4592% | 418 |
Net charge-offs to loans | 0.1927% | 1,326 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | 13.7085% | 2,302 |
Efficiency ratio | 58.1691% | 5,100 |
Assets per employee ($millions) | 4.2749% | 3,372 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0987% | 4,232 |
Loan loss allowance to noncurrent loans | 248.5666% | 1,866 |
Noncurrent assets plus other real estate owned to assets | 0.5828% | 3,537 |
Noncurrent loans to loans | 0.4420% | 4,021 |
Net loans and leases to total assets | 67.4737% | 2,777 |
Net loans and leases to deposits | 79.9529% | 2,891 |
Net loans and leases to core deposits | 80.7465% | 3,368 |
Total domestic deposits to total assets | 84.3918% | 3,265 |
Equity capital to assets | 15.4170% | 658 |
Core capital (leverage) ratio | 13.1013% | 1,167 |
Tier 1 risk-based capital ratio | 16.5854% | 2,533 |
Total risk-based capital ratio | 17.5340% | 2,628 |
Memoranda: | ||
Average total assets | $198,078,250 | 2,994 |
Average earning assets | $183,374,250 | 2,991 |
Average equity | $29,367,250 | 2,373 |
Average total loans | $132,873,250 | 2,858 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3629% | 1,966 |
Cost of funding earning assets | 0.1525% | 5,826 |
Net interest margin | 4.2105% | 1,091 |
Noninterest income to average assets | 0.3606% | 4,361 |
Noninterest expense to average assets | 2.4940% | 4,257 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 1.7607% | 555 |
Return on assets (ROA) | 1.7517% | 595 |
Pretax return on assets | 1.7517% | 978 |
Return on Equity (ROE) | 11.9722% | 1,383 |
Retained earnings to average equity (ytd only) | 11.9722% | 398 |
Net charge-offs to loans | 0.2869% | 913 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | 9.2000% | 2,478 |
Efficiency ratio | 58.6174% | 5,151 |
Assets per employee ($millions) | 4.1409% | 3,587 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1313% | 4,175 |
Loan loss allowance to noncurrent loans | 493.6455% | 1,041 |
Noncurrent assets plus other real estate owned to assets | 0.4789% | 4,017 |
Noncurrent loans to loans | 0.2292% | 4,856 |
Net loans and leases to total assets | 66.2794% | 2,900 |
Net loans and leases to deposits | 78.4042% | 2,979 |
Net loans and leases to core deposits | 79.1878% | 3,472 |
Total domestic deposits to total assets | 84.5355% | 3,325 |
Equity capital to assets | 15.2872% | 652 |
Core capital (leverage) ratio | 12.8143% | 1,248 |
Tier 1 risk-based capital ratio | 16.3183% | 2,704 |
Total risk-based capital ratio | 17.2824% | 2,797 |
Memoranda: | ||
Average total assets | $198,555,330 | 3,007 |
Average earning assets | $183,637,330 | 3,007 |
Average equity | $29,050,670 | 2,415 |
Average total loans | $132,444,670 | 2,865 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3224% | 2,021 |
Cost of funding earning assets | 0.1557% | 5,884 |
Net interest margin | 4.1667% | 1,136 |
Noninterest income to average assets | 0.3132% | 4,689 |
Noninterest expense to average assets | 2.4356% | 4,491 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 1.7215% | 564 |
Return on assets (ROA) | 1.7035% | 612 |
Pretax return on assets | 1.7035% | 1,041 |
Return on Equity (ROE) | 11.9024% | 1,374 |
Retained earnings to average equity (ytd only) | 11.9024% | 582 |
Net charge-offs to loans | -0.0390% | 5,393 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.5893% | 5,269 |
Assets per employee ($millions) | 4.2287% | 3,510 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2958% | 3,424 |
Loan loss allowance to noncurrent loans | 152.2212% | 2,765 |
Noncurrent assets plus other real estate owned to assets | 0.8916% | 2,852 |
Noncurrent loans to loans | 0.8512% | 3,119 |
Net loans and leases to total assets | 64.3504% | 3,046 |
Net loans and leases to deposits | 75.5281% | 3,113 |
Net loans and leases to core deposits | 76.2599% | 3,570 |
Total domestic deposits to total assets | 85.2006% | 3,310 |
Equity capital to assets | 14.6289% | 797 |
Core capital (leverage) ratio | 12.0840% | 1,585 |
Tier 1 risk-based capital ratio | 15.7210% | 3,050 |
Total risk-based capital ratio | 16.8164% | 3,055 |
Memoranda: | ||
Average total assets | $200,523,000 | 3,006 |
Average earning assets | $184,989,000 | 2,998 |
Average equity | $28,700,000 | 2,449 |
Average total loans | $133,432,500 | 2,857 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4705% | 1,986 |
Cost of funding earning assets | 0.2066% | 5,688 |
Net interest margin | 4.2639% | 1,132 |
Noninterest income to average assets | 0.6174% | 2,753 |
Noninterest expense to average assets | 2.5564% | 4,374 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 1.9846% | 333 |
Return on assets (ROA) | 1.9479% | 370 |
Pretax return on assets | 1.9479% | 562 |
Return on Equity (ROE) | 14.0931% | 921 |
Retained earnings to average equity (ytd only) | 7.8239% | 1,085 |
Net charge-offs to loans | 0.3506% | 1,250 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | 8.7130% | 2,839 |
Efficiency ratio | 56.2970% | 5,637 |
Assets per employee ($millions) | 4.3977% | 3,196 |
Cash dividends to net income (ytd only)* | 44.4840% | 2,605 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2135% | 3,914 |
Loan loss allowance to noncurrent loans | 302.3593% | 1,616 |
Noncurrent assets plus other real estate owned to assets | 0.6060% | 3,774 |
Noncurrent loans to loans | 0.4013% | 4,439 |
Net loans and leases to total assets | 67.0422% | 2,722 |
Net loans and leases to deposits | 78.1274% | 2,963 |
Net loans and leases to core deposits | 79.0026% | 3,407 |
Total domestic deposits to total assets | 85.8113% | 2,940 |
Equity capital to assets | 14.0018% | 954 |
Core capital (leverage) ratio | 11.6450% | 1,870 |
Tier 1 risk-based capital ratio | 14.9307% | 3,528 |
Total risk-based capital ratio | 16.0009% | 3,561 |
Memoranda: | ||
Average total assets | $201,959,800 | 2,960 |
Average earning assets | $185,840,400 | 2,963 |
Average equity | $27,914,400 | 2,417 |
Average total loans | $131,199,200 | 2,848 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4667% | 1,990 |
Cost of funding earning assets | 0.2108% | 5,744 |
Net interest margin | 4.2559% | 1,140 |
Noninterest income to average assets | 0.4557% | 3,851 |
Noninterest expense to average assets | 2.4417% | 4,694 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 1.9345% | 392 |
Return on assets (ROA) | 1.8948% | 439 |
Pretax return on assets | 1.8948% | 726 |
Return on Equity (ROE) | 13.7540% | 1,040 |
Retained earnings to average equity (ytd only) | 13.7540% | 265 |
Net charge-offs to loans | 0.4483% | 880 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | 6.7179% | 3,040 |
Efficiency ratio | 55.7954% | 5,677 |
Assets per employee ($millions) | 4.2797% | 3,333 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3163% | 3,566 |
Loan loss allowance to noncurrent loans | 157.5023% | 2,620 |
Noncurrent assets plus other real estate owned to assets | 0.8775% | 3,238 |
Noncurrent loans to loans | 0.8358% | 3,485 |
Net loans and leases to total assets | 62.9873% | 3,342 |
Net loans and leases to deposits | 73.7889% | 3,461 |
Net loans and leases to core deposits | 74.6225% | 3,883 |
Total domestic deposits to total assets | 85.3615% | 3,181 |
Equity capital to assets | 14.4447% | 862 |
Core capital (leverage) ratio | 12.0971% | 1,639 |
Tier 1 risk-based capital ratio | 15.8518% | 3,127 |
Total risk-based capital ratio | 16.9714% | 3,140 |
Memoranda: | ||
Average total assets | $201,876,000 | 2,993 |
Average earning assets | $185,965,250 | 2,984 |
Average equity | $27,811,750 | 2,434 |
Average total loans | $129,676,750 | 2,878 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4177% | 2,119 |
Cost of funding earning assets | 0.2113% | 5,817 |
Net interest margin | 4.2064% | 1,231 |
Noninterest income to average assets | 0.4631% | 3,762 |
Noninterest expense to average assets | 2.4035% | 4,867 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 1.9395% | 382 |
Return on assets (ROA) | 1.8840% | 436 |
Pretax return on assets | 1.8840% | 710 |
Return on Equity (ROE) | 13.8992% | 977 |
Retained earnings to average equity (ytd only) | 13.8992% | 268 |
Net charge-offs to loans | 0.6641% | 582 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 4.5370% | 3,089 |
Efficiency ratio | 55.3429% | 5,803 |
Assets per employee ($millions) | 4.1374% | 3,570 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2794% | 3,969 |
Loan loss allowance to noncurrent loans | 354.3933% | 1,299 |
Noncurrent assets plus other real estate owned to assets | 0.5912% | 4,205 |
Noncurrent loans to loans | 0.3610% | 4,914 |
Net loans and leases to total assets | 65.8211% | 2,778 |
Net loans and leases to deposits | 77.3166% | 2,887 |
Net loans and leases to core deposits | 78.2023% | 3,417 |
Total domestic deposits to total assets | 85.1319% | 3,442 |
Equity capital to assets | 14.3077% | 867 |
Core capital (leverage) ratio | 11.6391% | 1,888 |
Tier 1 risk-based capital ratio | 14.9286% | 3,679 |
Total risk-based capital ratio | 16.0298% | 3,712 |
Memoranda: | ||
Average total assets | $202,119,000 | 3,008 |
Average earning assets | $186,431,670 | 2,997 |
Average equity | $27,397,330 | 2,448 |
Average total loans | $130,106,670 | 2,869 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3136% | 2,472 |
Cost of funding earning assets | 0.2109% | 5,911 |
Net interest margin | 4.1027% | 1,446 |
Noninterest income to average assets | 0.4905% | 3,491 |
Noninterest expense to average assets | 2.3622% | 5,026 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.9070% | 389 |
Return on assets (ROA) | 1.9246% | 397 |
Pretax return on assets | 1.9246% | 621 |
Return on Equity (ROE) | 14.5933% | 847 |
Retained earnings to average equity (ytd only) | 14.5933% | 354 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.3309% | 5,895 |
Assets per employee ($millions) | 4.3342% | 3,277 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6713% | 2,435 |
Loan loss allowance to noncurrent loans | 202.6692% | 2,063 |
Noncurrent assets plus other real estate owned to assets | 0.7875% | 3,774 |
Noncurrent loans to loans | 0.8246% | 3,825 |
Net loans and leases to total assets | 62.7393% | 3,114 |
Net loans and leases to deposits | 72.9472% | 3,213 |
Net loans and leases to core deposits | 73.8791% | 3,659 |
Total domestic deposits to total assets | 86.0065% | 3,360 |
Equity capital to assets | 13.8370% | 974 |
Core capital (leverage) ratio | 11.0082% | 2,385 |
Tier 1 risk-based capital ratio | 14.6643% | 3,909 |
Total risk-based capital ratio | 15.9104% | 3,869 |
Memoranda: | ||
Average total assets | $203,882,000 | 3,014 |
Average earning assets | $187,778,500 | 2,995 |
Average equity | $26,889,000 | 2,477 |
Average total loans | $128,955,000 | 2,899 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5560% | 2,010 |
Cost of funding earning assets | 0.2660% | 5,861 |
Net interest margin | 4.2900% | 1,134 |
Noninterest income to average assets | 0.4306% | 4,229 |
Noninterest expense to average assets | 2.7807% | 3,792 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 1.5783% | 720 |
Return on assets (ROA) | 1.5186% | 826 |
Pretax return on assets | 1.5196% | 1,384 |
Return on Equity (ROE) | 11.4574% | 1,612 |
Retained earnings to average equity (ytd only) | 0.2940% | 5,713 |
Net charge-offs to loans | 0.1387% | 3,417 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 17.8883% | 1,691 |
Efficiency ratio | 63.7783% | 4,937 |
Assets per employee ($millions) | 4.2529% | 3,350 |
Cash dividends to net income (ytd only)* | 97.4342% | 467 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6266% | 2,659 |
Loan loss allowance to noncurrent loans | 198.1361% | 2,111 |
Noncurrent assets plus other real estate owned to assets | 0.7668% | 3,973 |
Noncurrent loans to loans | 0.8210% | 3,925 |
Net loans and leases to total assets | 61.6978% | 3,413 |
Net loans and leases to deposits | 70.7076% | 3,694 |
Net loans and leases to core deposits | 71.5584% | 4,121 |
Total domestic deposits to total assets | 87.2577% | 2,598 |
Equity capital to assets | 12.5681% | 1,480 |
Core capital (leverage) ratio | 10.6002% | 2,783 |
Tier 1 risk-based capital ratio | 13.7646% | 4,469 |
Total risk-based capital ratio | 15.0097% | 4,420 |
Memoranda: | ||
Average total assets | $202,754,400 | 3,003 |
Average earning assets | $185,711,000 | 3,016 |
Average equity | $26,873,400 | 2,471 |
Average total loans | $129,089,000 | 2,877 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6190% | 1,834 |
Cost of funding earning assets | 0.2777% | 5,904 |
Net interest margin | 4.3413% | 1,005 |
Noninterest income to average assets | 0.5774% | 3,288 |
Noninterest expense to average assets | 2.7508% | 3,827 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.8005% | 526 |
Return on assets (ROA) | 1.7482% | 606 |
Pretax return on assets | 1.7495% | 997 |
Return on Equity (ROE) | 13.0155% | 1,228 |
Retained earnings to average equity (ytd only) | -1.7748% | 6,236 |
Net charge-offs to loans | 0.1254% | 3,273 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 22.4875% | 1,493 |
Efficiency ratio | 60.4218% | 5,367 |
Assets per employee ($millions) | 3.9290% | 3,984 |
Cash dividends to net income (ytd only)* | 113.6364% | 279 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7233% | 2,546 |
Loan loss allowance to noncurrent loans | 154.1284% | 2,484 |
Noncurrent assets plus other real estate owned to assets | 1.1947% | 3,265 |
Noncurrent loans to loans | 1.1181% | 3,565 |
Net loans and leases to total assets | 63.3998% | 3,098 |
Net loans and leases to deposits | 73.1024% | 3,379 |
Net loans and leases to core deposits | 74.1526% | 3,823 |
Total domestic deposits to total assets | 86.7274% | 2,837 |
Equity capital to assets | 13.0873% | 1,296 |
Core capital (leverage) ratio | 10.3004% | 3,242 |
Tier 1 risk-based capital ratio | 13.9546% | 4,466 |
Total risk-based capital ratio | 15.2004% | 4,419 |
Memoranda: | ||
Average total assets | $201,344,750 | 3,045 |
Average earning assets | $184,363,250 | 3,047 |
Average equity | $27,044,000 | 2,477 |
Average total loans | $128,686,250 | 2,903 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6410% | 1,723 |
Cost of funding earning assets | 0.2864% | 5,932 |
Net interest margin | 4.3546% | 928 |
Noninterest income to average assets | 0.6966% | 2,662 |
Noninterest expense to average assets | 2.7984% | 3,686 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.8810% | 440 |
Return on assets (ROA) | 1.8179% | 535 |
Pretax return on assets | 1.8199% | 895 |
Return on Equity (ROE) | 13.4237% | 1,135 |
Retained earnings to average equity (ytd only) | 13.4237% | 340 |
Net charge-offs to loans | 0.1856% | 2,641 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 15.9250% | 1,693 |
Efficiency ratio | 59.7769% | 5,513 |
Assets per employee ($millions) | 4.0204% | 3,749 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7120% | 2,734 |
Loan loss allowance to noncurrent loans | 179.5399% | 2,169 |
Noncurrent assets plus other real estate owned to assets | 1.2736% | 3,212 |
Noncurrent loans to loans | 0.9535% | 4,022 |
Net loans and leases to total assets | 63.6778% | 2,971 |
Net loans and leases to deposits | 74.8897% | 3,029 |
Net loans and leases to core deposits | 75.8662% | 3,558 |
Total domestic deposits to total assets | 85.0288% | 3,876 |
Equity capital to assets | 14.7672% | 767 |
Core capital (leverage) ratio | 11.7280% | 1,780 |
Tier 1 risk-based capital ratio | 15.0960% | 3,713 |
Total risk-based capital ratio | 16.3413% | 3,680 |
Memoranda: | ||
Average total assets | $202,976,330 | 3,038 |
Average earning assets | $185,736,330 | 3,037 |
Average equity | $27,488,670 | 2,454 |
Average total loans | $129,337,330 | 2,893 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6992% | 1,538 |
Cost of funding earning assets | 0.2953% | 6,006 |
Net interest margin | 4.4039% | 799 |
Noninterest income to average assets | 0.4040% | 4,425 |
Noninterest expense to average assets | 2.4606% | 4,909 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.9654% | 364 |
Return on assets (ROA) | 1.8780% | 458 |
Pretax return on assets | 1.8819% | 760 |
Return on Equity (ROE) | 14.4937% | 863 |
Retained earnings to average equity (ytd only) | 14.4937% | 396 |
Net charge-offs to loans | -0.0246% | 5,815 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.5458% | 6,104 |
Assets per employee ($millions) | 4.2851% | 3,362 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8201% | 2,550 |
Loan loss allowance to noncurrent loans | 188.2018% | 1,987 |
Noncurrent assets plus other real estate owned to assets | 1.0482% | 3,839 |
Noncurrent loans to loans | 0.9671% | 4,199 |
Net loans and leases to total assets | 60.6615% | 3,319 |
Net loans and leases to deposits | 70.1055% | 3,467 |
Net loans and leases to core deposits | 70.9632% | 3,957 |
Total domestic deposits to total assets | 86.5289% | 3,216 |
Equity capital to assets | 13.2879% | 1,302 |
Core capital (leverage) ratio | 10.9607% | 2,293 |
Tier 1 risk-based capital ratio | 14.2043% | 4,363 |
Total risk-based capital ratio | 15.4500% | 4,327 |
Memoranda: | ||
Average total assets | $205,965,500 | 3,026 |
Average earning assets | $188,289,000 | 3,037 |
Average equity | $26,687,500 | 2,546 |
Average total loans | $130,191,500 | 2,890 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2758% | 976 |
Cost of funding earning assets | 0.4755% | 5,380 |
Net interest margin | 4.8003% | 536 |
Noninterest income to average assets | 0.4572% | 4,200 |
Noninterest expense to average assets | 2.6314% | 4,633 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 2.0816% | 311 |
Return on assets (ROA) | 2.0109% | 382 |
Pretax return on assets | 2.0135% | 582 |
Return on Equity (ROE) | 14.4990% | 901 |
Retained earnings to average equity (ytd only) | 2.6872% | 4,347 |
Net charge-offs to loans | -0.0241% | 6,582 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.8028% | 6,076 |
Assets per employee ($millions) | 4.2091% | 3,533 |
Cash dividends to net income (ytd only)* | 81.4664% | 958 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7292% | 2,822 |
Loan loss allowance to noncurrent loans | 152.2457% | 2,345 |
Noncurrent assets plus other real estate owned to assets | 1.1850% | 3,680 |
Noncurrent loans to loans | 1.1358% | 3,946 |
Net loans and leases to total assets | 63.5132% | 2,978 |
Net loans and leases to deposits | 72.8603% | 3,274 |
Net loans and leases to core deposits | 73.7417% | 3,814 |
Total domestic deposits to total assets | 87.1712% | 2,726 |
Equity capital to assets | 12.6276% | 1,626 |
Core capital (leverage) ratio | 10.3551% | 2,939 |
Tier 1 risk-based capital ratio | 13.0279% | 5,086 |
Total risk-based capital ratio | 14.2716% | 5,030 |
Memoranda: | ||
Average total assets | $195,333,400 | 3,106 |
Average earning assets | $173,280,600 | 3,186 |
Average equity | $27,091,600 | 2,477 |
Average total loans | $124,368,400 | 2,995 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4341% | 776 |
Cost of funding earning assets | 0.4956% | 5,459 |
Net interest margin | 4.9384% | 444 |
Noninterest income to average assets | 0.5483% | 3,623 |
Noninterest expense to average assets | 2.4658% | 5,189 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 2.4381% | 196 |
Return on assets (ROA) | 2.3439% | 247 |
Pretax return on assets | 2.3474% | 372 |
Return on Equity (ROE) | 16.5045% | 669 |
Retained earnings to average equity (ytd only) | 16.5045% | 175 |
Net charge-offs to loans | 0.0328% | 5,187 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 117.5638% | 365 |
Efficiency ratio | 50.2469% | 6,571 |
Assets per employee ($millions) | 3.9515% | 3,970 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6741% | 3,237 |
Loan loss allowance to noncurrent loans | 151.1785% | 2,267 |
Noncurrent assets plus other real estate owned to assets | 1.2802% | 3,729 |
Noncurrent loans to loans | 1.1073% | 4,204 |
Net loans and leases to total assets | 65.4314% | 2,748 |
Net loans and leases to deposits | 77.0165% | 2,812 |
Net loans and leases to core deposits | 80.1990% | 3,182 |
Total domestic deposits to total assets | 84.9576% | 3,763 |
Equity capital to assets | 14.8305% | 861 |
Core capital (leverage) ratio | 12.1315% | 1,572 |
Tier 1 risk-based capital ratio | 14.9884% | 3,858 |
Total risk-based capital ratio | 16.2324% | 3,809 |
Memoranda: | ||
Average total assets | $192,605,000 | 3,181 |
Average earning assets | $170,010,000 | 3,266 |
Average equity | $27,353,500 | 2,475 |
Average total loans | $122,135,750 | 3,074 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5670% | 620 |
Cost of funding earning assets | 0.4889% | 5,688 |
Net interest margin | 5.0781% | 353 |
Noninterest income to average assets | 0.5168% | 3,808 |
Noninterest expense to average assets | 2.4521% | 5,289 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 2.4848% | 180 |
Return on assets (ROA) | 2.3899% | 236 |
Pretax return on assets | 2.3952% | 349 |
Return on Equity (ROE) | 17.0961% | 625 |
Retained earnings to average equity (ytd only) | 17.0961% | 177 |
Net charge-offs to loans | 0.0423% | 4,784 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 94.4400% | 449 |
Efficiency ratio | 49.6159% | 6,670 |
Assets per employee ($millions) | 3.8936% | 4,092 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7128% | 3,171 |
Loan loss allowance to noncurrent loans | 193.7984% | 1,765 |
Noncurrent assets plus other real estate owned to assets | 1.1604% | 4,076 |
Noncurrent loans to loans | 0.8838% | 4,724 |
Net loans and leases to total assets | 66.3208% | 2,606 |
Net loans and leases to deposits | 77.8532% | 2,695 |
Net loans and leases to core deposits | 81.1767% | 3,061 |
Total domestic deposits to total assets | 85.1870% | 3,775 |
Equity capital to assets | 14.3471% | 959 |
Core capital (leverage) ratio | 12.0156% | 1,593 |
Tier 1 risk-based capital ratio | 14.5476% | 4,067 |
Total risk-based capital ratio | 15.7911% | 4,037 |
Memoranda: | ||
Average total assets | $189,632,000 | 3,222 |
Average earning assets | $165,259,000 | 3,342 |
Average equity | $26,509,000 | 2,533 |
Average total loans | $118,146,000 | 3,178 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6354% | 585 |
Cost of funding earning assets | 0.5135% | 5,728 |
Net interest margin | 5.1220% | 332 |
Noninterest income to average assets | 0.4596% | 4,230 |
Noninterest expense to average assets | 2.2212% | 5,994 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 2.5782% | 160 |
Return on assets (ROA) | 2.4884% | 221 |
Pretax return on assets | 2.4991% | 332 |
Return on Equity (ROE) | 18.0479% | 545 |
Retained earnings to average equity (ytd only) | 18.0479% | 250 |
Net charge-offs to loans | 0.1148% | 3,426 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 37.8438% | 777 |
Efficiency ratio | 46.1778% | 6,891 |
Assets per employee ($millions) | 3.7278% | 4,587 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0134% | 2,320 |
Loan loss allowance to noncurrent loans | 182.5061% | 1,800 |
Noncurrent assets plus other real estate owned to assets | 1.3055% | 3,946 |
Noncurrent loans to loans | 1.1032% | 4,492 |
Net loans and leases to total assets | 57.4174% | 4,140 |
Net loans and leases to deposits | 67.4010% | 4,163 |
Net loans and leases to core deposits | 69.4106% | 4,515 |
Total domestic deposits to total assets | 85.1878% | 3,940 |
Equity capital to assets | 14.0827% | 997 |
Core capital (leverage) ratio | 11.7476% | 1,736 |
Tier 1 risk-based capital ratio | 14.2817% | 4,254 |
Total risk-based capital ratio | 15.5247% | 4,233 |
Memoranda: | ||
Average total assets | $187,107,500 | 3,270 |
Average earning assets | $158,923,500 | 3,457 |
Average equity | $25,798,000 | 2,588 |
Average total loans | $111,537,000 | 3,315 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6683% | 834 |
Cost of funding earning assets | 0.5832% | 6,167 |
Net interest margin | 5.0850% | 350 |
Noninterest income to average assets | 0.5954% | 3,189 |
Noninterest expense to average assets | 3.0488% | 3,402 |
Loan and lease loss provision to assets | 0.0000% | 6,496 |
Net operating income to assets | 2.1015% | 263 |
Return on assets (ROA) | 1.8829% | 427 |
Pretax return on assets | 1.8856% | 684 |
Return on Equity (ROE) | 13.7919% | 982 |
Retained earnings to average equity (ytd only) | 2.8169% | 4,239 |
Net charge-offs to loans | 0.0748% | 5,570 |
Credit loss provision to net charge-offs | 0.0000% | 6,066 |
Earnings coverage of net charge-offs (x) | 46.2439% | 596 |
Efficiency ratio | 59.1643% | 5,874 |
Assets per employee ($millions) | 3.6819% | 4,589 |
Cash dividends to net income (ytd only)* | 79.5756% | 801 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0373% | 2,162 |
Loan loss allowance to noncurrent loans | 322.6950% | 1,034 |
Noncurrent assets plus other real estate owned to assets | 1.1163% | 4,374 |
Noncurrent loans to loans | 0.6313% | 5,453 |
Net loans and leases to total assets | 59.4226% | 4,104 |
Net loans and leases to deposits | 69.4032% | 4,216 |
Net loans and leases to core deposits | 70.2338% | 4,749 |
Total domestic deposits to total assets | 85.6194% | 3,525 |
Equity capital to assets | 13.4833% | 1,271 |
Core capital (leverage) ratio | 11.2637% | 2,070 |
Tier 1 risk-based capital ratio | 13.9523% | 4,354 |
Total risk-based capital ratio | 15.1963% | 4,320 |
Memoranda: | ||
Average total assets | $180,204,200 | 3,331 |
Average earning assets | $161,513,200 | 3,376 |
Average equity | $24,601,400 | 2,616 |
Average total loans | $109,557,800 | 3,393 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6493% | 936 |
Cost of funding earning assets | 0.6157% | 6,209 |
Net interest margin | 5.0336% | 386 |
Noninterest income to average assets | 0.6286% | 3,002 |
Noninterest expense to average assets | 3.0106% | 3,522 |
Loan and lease loss provision to assets | 0.0000% | 6,393 |
Net operating income to assets | 2.1759% | 264 |
Return on assets (ROA) | 1.9386% | 426 |
Pretax return on assets | 1.9423% | 707 |
Return on Equity (ROE) | 14.1552% | 1,008 |
Retained earnings to average equity (ytd only) | 7.6371% | 1,649 |
Net charge-offs to loans | 0.1370% | 4,688 |
Credit loss provision to net charge-offs | 0.0000% | 5,735 |
Earnings coverage of net charge-offs (x) | 26.1607% | 1,024 |
Efficiency ratio | 58.0049% | 6,010 |
Assets per employee ($millions) | 3.6554% | 4,625 |
Cash dividends to net income (ytd only)* | 46.0476% | 1,757 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0792% | 2,120 |
Loan loss allowance to noncurrent loans | 235.8193% | 1,335 |
Noncurrent assets plus other real estate owned to assets | 1.3892% | 4,044 |
Noncurrent loans to loans | 0.8817% | 5,095 |
Net loans and leases to total assets | 57.8489% | 4,536 |
Net loans and leases to deposits | 68.0629% | 4,592 |
Net loans and leases to core deposits | 68.8887% | 5,074 |
Total domestic deposits to total assets | 84.9932% | 3,768 |
Equity capital to assets | 14.1406% | 1,104 |
Core capital (leverage) ratio | 11.9244% | 1,750 |
Tier 1 risk-based capital ratio | 14.9612% | 3,682 |
Total risk-based capital ratio | 16.2051% | 3,658 |
Memoranda: | ||
Average total assets | $179,231,500 | 3,359 |
Average earning assets | $162,423,000 | 3,377 |
Average equity | $24,546,250 | 2,630 |
Average total loans | $109,030,000 | 3,434 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7293% | 830 |
Cost of funding earning assets | 0.6466% | 6,244 |
Net interest margin | 5.0827% | 346 |
Noninterest income to average assets | 0.7582% | 2,217 |
Noninterest expense to average assets | 3.0845% | 3,311 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 2.2769% | 228 |
Return on assets (ROA) | 1.9893% | 366 |
Pretax return on assets | 1.9949% | 591 |
Return on Equity (ROE) | 14.6890% | 858 |
Retained earnings to average equity (ytd only) | 4.7360% | 3,170 |
Net charge-offs to loans | 0.1956% | 3,980 |
Credit loss provision to net charge-offs | 0.0000% | 5,336 |
Earnings coverage of net charge-offs (x) | 18.9907% | 1,235 |
Efficiency ratio | 57.4717% | 6,232 |
Assets per employee ($millions) | 3.5939% | 4,703 |
Cash dividends to net income (ytd only)* | 67.7583% | 1,090 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0417% | 2,256 |
Loan loss allowance to noncurrent loans | 1,573.4266% | 257 |
Noncurrent assets plus other real estate owned to assets | 1.0835% | 4,717 |
Noncurrent loans to loans | 0.1298% | 6,656 |
Net loans and leases to total assets | 60.0751% | 4,257 |
Net loans and leases to deposits | 70.6566% | 4,346 |
Net loans and leases to core deposits | 72.0002% | 4,818 |
Total domestic deposits to total assets | 85.0241% | 3,866 |
Equity capital to assets | 14.1523% | 1,044 |
Core capital (leverage) ratio | 11.6908% | 1,787 |
Tier 1 risk-based capital ratio | 14.4393% | 3,831 |
Total risk-based capital ratio | 15.6830% | 3,811 |
Memoranda: | ||
Average total assets | $178,051,670 | 3,395 |
Average earning assets | $161,450,330 | 3,419 |
Average equity | $24,113,330 | 2,652 |
Average total loans | $109,381,330 | 3,471 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7884% | 754 |
Cost of funding earning assets | 0.7102% | 6,082 |
Net interest margin | 5.0782% | 320 |
Noninterest income to average assets | 1.0833% | 1,121 |
Noninterest expense to average assets | 3.1439% | 3,096 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 2.5436% | 167 |
Return on assets (ROA) | 2.4059% | 204 |
Pretax return on assets | 2.4172% | 279 |
Return on Equity (ROE) | 18.1799% | 463 |
Retained earnings to average equity (ytd only) | 18.1799% | 231 |
Net charge-offs to loans | 0.3010% | 2,843 |
Credit loss provision to net charge-offs | 0.0000% | 4,480 |
Earnings coverage of net charge-offs (x) | 13.8049% | 1,408 |
Efficiency ratio | 55.1683% | 6,592 |
Assets per employee ($millions) | 3.9601% | 3,915 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0977% | 2,191 |
Loan loss allowance to noncurrent loans | 1,864.7541% | 231 |
Noncurrent assets plus other real estate owned to assets | 1.0864% | 4,751 |
Noncurrent loans to loans | 0.1125% | 6,769 |
Net loans and leases to total assets | 59.5826% | 4,344 |
Net loans and leases to deposits | 69.7699% | 4,378 |
Net loans and leases to core deposits | 70.8912% | 4,937 |
Total domestic deposits to total assets | 85.3987% | 3,838 |
Equity capital to assets | 13.8011% | 1,067 |
Core capital (leverage) ratio | 11.6802% | 1,751 |
Tier 1 risk-based capital ratio | 14.9936% | 3,428 |
Total risk-based capital ratio | 16.2483% | 3,386 |
Memoranda: | ||
Average total assets | $177,230,000 | 3,428 |
Average earning assets | $161,081,500 | 3,439 |
Average equity | $23,454,500 | 2,697 |
Average total loans | $108,971,000 | 3,517 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9423% | 957 |
Cost of funding earning assets | 0.8796% | 6,245 |
Net interest margin | 5.0627% | 380 |
Noninterest income to average assets | 0.6095% | 3,406 |
Noninterest expense to average assets | 3.2200% | 3,011 |
Loan and lease loss provision to assets | 0.1043% | 6,099 |
Net operating income to assets | 1.8291% | 386 |
Return on assets (ROA) | 1.9808% | 305 |
Pretax return on assets | 1.9821% | 499 |
Return on Equity (ROE) | 18.9431% | 317 |
Retained earnings to average equity (ytd only) | 18.9431% | 66 |
Net charge-offs to loans | 0.0049% | 6,796 |
Credit loss provision to net charge-offs | 3,300.0000% | 65 |
Earnings coverage of net charge-offs (x) | 612.0000% | 36 |
Efficiency ratio | 62.4678% | 5,638 |
Assets per employee ($millions) | 3.5432% | 4,841 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0713% | 2,126 |
Loan loss allowance to noncurrent loans | 1,737.5000% | 234 |
Noncurrent assets plus other real estate owned to assets | 1.3739% | 4,286 |
Noncurrent loans to loans | 0.1192% | 6,840 |
Net loans and leases to total assets | 63.2282% | 4,027 |
Net loans and leases to deposits | 74.3175% | 4,140 |
Net loans and leases to core deposits | 75.2255% | 4,825 |
Total domestic deposits to total assets | 85.0784% | 3,815 |
Equity capital to assets | 12.1204% | 1,844 |
Core capital (leverage) ratio | 10.8510% | 2,269 |
Tier 1 risk-based capital ratio | 13.3504% | 4,329 |
Total risk-based capital ratio | 14.6053% | 4,286 |
Memoranda: | ||
Average total assets | $158,169,400 | 3,733 |
Average earning assets | $141,999,600 | 3,781 |
Average equity | $16,539,000 | 3,668 |
Average total loans | $103,018,400 | 3,711 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9497% | 1,034 |
Cost of funding earning assets | 0.9072% | 6,371 |
Net interest margin | 5.0425% | 395 |
Noninterest income to average assets | 0.5787% | 3,591 |
Noninterest expense to average assets | 3.0641% | 3,518 |
Loan and lease loss provision to assets | 0.1386% | 5,641 |
Net operating income to assets | 1.8983% | 407 |
Return on assets (ROA) | 1.8731% | 479 |
Pretax return on assets | 1.8748% | 806 |
Return on Equity (ROE) | 18.6414% | 417 |
Retained earnings to average equity (ytd only) | 18.6414% | 99 |
Net charge-offs to loans | -0.2149% | 7,628 |
Credit loss provision to net charge-offs | -98.8024% | 6,910 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.0494% | 5,944 |
Assets per employee ($millions) | 3.4213% | 5,154 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2051% | 1,795 |
Loan loss allowance to noncurrent loans | 392.3478% | 759 |
Noncurrent assets plus other real estate owned to assets | 1.5574% | 4,110 |
Noncurrent loans to loans | 0.5620% | 6,079 |
Net loans and leases to total assets | 63.5718% | 4,206 |
Net loans and leases to deposits | 74.3590% | 4,447 |
Net loans and leases to core deposits | 75.2527% | 5,149 |
Total domestic deposits to total assets | 85.4932% | 3,347 |
Equity capital to assets | 11.7435% | 2,329 |
Core capital (leverage) ratio | 10.5027% | 2,683 |
Tier 1 risk-based capital ratio | 12.4561% | 5,024 |
Total risk-based capital ratio | 13.7108% | 4,995 |
Memoranda: | ||
Average total assets | $158,736,250 | 3,782 |
Average earning assets | $142,413,500 | 3,826 |
Average equity | $15,949,750 | 3,816 |
Average total loans | $103,608,250 | 3,745 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0084% | 931 |
Cost of funding earning assets | 0.9627% | 6,325 |
Net interest margin | 5.0456% | 382 |
Noninterest income to average assets | 0.4912% | 4,184 |
Noninterest expense to average assets | 3.1108% | 3,266 |
Loan and lease loss provision to assets | 0.1947% | 4,933 |
Net operating income to assets | 1.6936% | 595 |
Return on assets (ROA) | 1.5441% | 882 |
Pretax return on assets | 1.5466% | 1,441 |
Return on Equity (ROE) | 16.2720% | 669 |
Retained earnings to average equity (ytd only) | 16.2720% | 185 |
Net charge-offs to loans | -0.2960% | 7,687 |
Credit loss provision to net charge-offs | -100.6494% | 6,677 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.1954% | 5,654 |
Assets per employee ($millions) | 3.4199% | 5,122 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1362% | 1,892 |
Loan loss allowance to noncurrent loans | 259.4657% | 1,096 |
Noncurrent assets plus other real estate owned to assets | 1.5497% | 4,136 |
Noncurrent loans to loans | 0.8233% | 5,633 |
Net loans and leases to total assets | 66.5008% | 3,735 |
Net loans and leases to deposits | 77.7639% | 4,028 |
Net loans and leases to core deposits | 78.8733% | 4,821 |
Total domestic deposits to total assets | 85.5162% | 3,365 |
Equity capital to assets | 11.0185% | 2,844 |
Core capital (leverage) ratio | 9.7491% | 3,472 |
Tier 1 risk-based capital ratio | 11.4445% | 5,830 |
Total risk-based capital ratio | 12.6987% | 5,795 |
Memoranda: | ||
Average total assets | $159,188,000 | 3,805 |
Average earning assets | $142,301,670 | 3,858 |
Average equity | $15,105,670 | 3,972 |
Average total loans | $104,042,330 | 3,767 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0458% | 895 |
Cost of funding earning assets | 1.0174% | 6,294 |
Net interest margin | 5.0284% | 396 |
Noninterest income to average assets | 0.3485% | 5,353 |
Noninterest expense to average assets | 2.9289% | 3,955 |
Loan and lease loss provision to assets | 0.2225% | 4,276 |
Net operating income to assets | 1.6634% | 662 |
Return on assets (ROA) | 1.8315% | 511 |
Pretax return on assets | 1.8364% | 830 |
Return on Equity (ROE) | 20.9027% | 335 |
Retained earnings to average equity (ytd only) | 20.9027% | 175 |
Net charge-offs to loans | -0.0077% | 6,852 |
Credit loss provision to net charge-offs | -4,500.0000% | 6,629 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.7692% | 6,038 |
Assets per employee ($millions) | 3.4376% | 5,185 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0056% | 2,172 |
Loan loss allowance to noncurrent loans | 299.2582% | 1,003 |
Noncurrent assets plus other real estate owned to assets | 1.4274% | 4,370 |
Noncurrent loans to loans | 0.6702% | 5,987 |
Net loans and leases to total assets | 63.7100% | 4,393 |
Net loans and leases to deposits | 73.0168% | 4,902 |
Net loans and leases to core deposits | 74.0304% | 5,495 |
Total domestic deposits to total assets | 87.2539% | 2,499 |
Equity capital to assets | 9.5824% | 4,402 |
Core capital (leverage) ratio | 9.0707% | 4,437 |
Tier 1 risk-based capital ratio | 11.1962% | 5,964 |
Total risk-based capital ratio | 12.4437% | 5,924 |
Memoranda: | ||
Average total assets | $161,834,000 | 3,801 |
Average earning assets | $143,902,000 | 3,871 |
Average equity | $14,180,000 | 4,204 |
Average total loans | $103,775,500 | 3,830 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0273% | 1,761 |
Cost of funding earning assets | 1.6138% | 4,975 |
Net interest margin | 4.4134% | 1,396 |
Noninterest income to average assets | 0.3735% | 5,420 |
Noninterest expense to average assets | 2.6785% | 5,488 |
Loan and lease loss provision to assets | 1.4212% | 1,613 |
Net operating income to assets | 0.2532% | 4,712 |
Return on assets (ROA) | 0.0546% | 5,379 |
Pretax return on assets | 0.0558% | 5,309 |
Return on Equity (ROE) | 0.6243% | 5,351 |
Retained earnings to average equity (ytd only) | -1.1547% | 5,300 |
Net charge-offs to loans | 1.5890% | 1,587 |
Credit loss provision to net charge-offs | 145.6954% | 3,253 |
Earnings coverage of net charge-offs (x) | 1.7219% | 4,446 |
Efficiency ratio | 61.4607% | 6,247 |
Assets per employee ($millions) | 3.7551% | 4,381 |
Cash dividends to net income (ytd only)* | 284.9462% | 119 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7994% | 2,547 |
Loan loss allowance to noncurrent loans | 276.5805% | 1,109 |
Noncurrent assets plus other real estate owned to assets | 1.4801% | 4,168 |
Noncurrent loans to loans | 0.6506% | 5,932 |
Net loans and leases to total assets | 62.1714% | 4,956 |
Net loans and leases to deposits | 69.8422% | 5,626 |
Net loans and leases to core deposits | 76.7858% | 6,354 |
Total domestic deposits to total assets | 89.0169% | 1,477 |
Equity capital to assets | 8.0111% | 6,570 |
Core capital (leverage) ratio | 8.1924% | 5,823 |
Tier 1 risk-based capital ratio | 9.7182% | 7,085 |
Total risk-based capital ratio | 10.9572% | 7,070 |
Memoranda: | ||
Average total assets | $170,282,600 | 3,607 |
Average earning assets | $153,735,000 | 3,642 |
Average equity | $14,896,200 | 4,077 |
Average total loans | $104,528,200 | 3,820 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0309% | 1,915 |
Cost of funding earning assets | 1.6316% | 5,248 |
Net interest margin | 4.3993% | 1,442 |
Noninterest income to average assets | 0.3400% | 5,772 |
Noninterest expense to average assets | 2.6211% | 5,636 |
Loan and lease loss provision to assets | 1.1449% | 1,701 |
Net operating income to assets | 0.5760% | 3,703 |
Return on assets (ROA) | 0.3767% | 4,592 |
Pretax return on assets | 0.3782% | 4,853 |
Return on Equity (ROE) | 4.2180% | 4,291 |
Retained earnings to average equity (ytd only) | 1.8990% | 4,261 |
Net charge-offs to loans | 1.1329% | 1,773 |
Credit loss provision to net charge-offs | 165.9117% | 2,838 |
Earnings coverage of net charge-offs (x) | 2.4960% | 3,978 |
Efficiency ratio | 60.3454% | 6,362 |
Assets per employee ($millions) | 3.7670% | 4,268 |
Cash dividends to net income (ytd only)* | 54.9786% | 1,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7431% | 2,461 |
Loan loss allowance to noncurrent loans | 234.6309% | 1,267 |
Noncurrent assets plus other real estate owned to assets | 1.4667% | 4,175 |
Noncurrent loans to loans | 0.7429% | 5,826 |
Net loans and leases to total assets | 59.4466% | 5,673 |
Net loans and leases to deposits | 69.3255% | 5,997 |
Net loans and leases to core deposits | 77.8059% | 6,509 |
Total domestic deposits to total assets | 85.7500% | 2,832 |
Equity capital to assets | 8.1745% | 6,668 |
Core capital (leverage) ratio | 8.2835% | 5,865 |
Tier 1 risk-based capital ratio | 10.4596% | 6,516 |
Total risk-based capital ratio | 11.6945% | 6,477 |
Memoranda: | ||
Average total assets | $170,608,750 | 3,620 |
Average earning assets | $155,264,000 | 3,634 |
Average equity | $15,236,000 | 4,058 |
Average total loans | $103,915,000 | 3,884 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9697% | 2,302 |
Cost of funding earning assets | 1.6219% | 5,656 |
Net interest margin | 4.3477% | 1,532 |
Noninterest income to average assets | 0.2822% | 6,247 |
Noninterest expense to average assets | 2.6186% | 5,666 |
Loan and lease loss provision to assets | 1.5445% | 1,102 |
Net operating income to assets | 0.0732% | 5,637 |
Return on assets (ROA) | 0.5737% | 3,900 |
Pretax return on assets | 0.5760% | 4,382 |
Return on Equity (ROE) | 6.2538% | 3,534 |
Retained earnings to average equity (ytd only) | 2.8990% | 3,712 |
Net charge-offs to loans | 1.6399% | 1,154 |
Credit loss provision to net charge-offs | 154.2923% | 2,976 |
Earnings coverage of net charge-offs (x) | 1.6183% | 4,329 |
Efficiency ratio | 61.7808% | 6,279 |
Assets per employee ($millions) | 3.9867% | 3,705 |
Cash dividends to net income (ytd only)* | 53.6437% | 1,910 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5850% | 2,808 |
Loan loss allowance to noncurrent loans | 145.6328% | 2,020 |
Noncurrent assets plus other real estate owned to assets | 1.4566% | 4,061 |
Noncurrent loans to loans | 1.0884% | 5,021 |
Net loans and leases to total assets | 59.1832% | 5,810 |
Net loans and leases to deposits | 69.6861% | 6,017 |
Net loans and leases to core deposits | 77.0234% | 6,610 |
Total domestic deposits to total assets | 84.9283% | 3,296 |
Equity capital to assets | 9.1818% | 5,043 |
Core capital (leverage) ratio | 8.3582% | 5,698 |
Tier 1 risk-based capital ratio | 10.1557% | 6,767 |
Total risk-based capital ratio | 11.3264% | 6,776 |
Memoranda: | ||
Average total assets | $172,229,330 | 3,599 |
Average earning assets | $156,725,000 | 3,621 |
Average equity | $15,798,330 | 3,960 |
Average total loans | $105,127,000 | 3,891 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9977% | 2,376 |
Cost of funding earning assets | 1.6215% | 5,938 |
Net interest margin | 4.3762% | 1,405 |
Noninterest income to average assets | 1.0496% | 1,350 |
Noninterest expense to average assets | 2.4677% | 5,966 |
Loan and lease loss provision to assets | 2.4445% | 477 |
Net operating income to assets | 0.0788% | 6,040 |
Return on assets (ROA) | 0.0788% | 6,209 |
Pretax return on assets | 0.0834% | 6,202 |
Return on Equity (ROE) | 0.8593% | 6,172 |
Retained earnings to average equity (ytd only) | -5.8632% | 6,666 |
Net charge-offs to loans | 2.6869% | 494 |
Credit loss provision to net charge-offs | 147.9663% | 2,816 |
Earnings coverage of net charge-offs (x) | 1.5302% | 3,962 |
Efficiency ratio | 49.3970% | 7,633 |
Assets per employee ($millions) | 4.0073% | 3,649 |
Cash dividends to net income (ytd only)* | 782.3529% | 35 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4800% | 3,085 |
Loan loss allowance to noncurrent loans | 127.8202% | 2,466 |
Noncurrent assets plus other real estate owned to assets | 1.7302% | 3,322 |
Noncurrent loans to loans | 1.1578% | 4,670 |
Net loans and leases to total assets | 59.6061% | 5,719 |
Net loans and leases to deposits | 70.1416% | 5,963 |
Net loans and leases to core deposits | 76.3383% | 6,654 |
Total domestic deposits to total assets | 84.9797% | 3,215 |
Equity capital to assets | 9.0651% | 5,276 |
Core capital (leverage) ratio | 8.4176% | 5,685 |
Tier 1 risk-based capital ratio | 10.3733% | 6,522 |
Total risk-based capital ratio | 11.5133% | 6,555 |
Memoranda: | ||
Average total assets | $172,630,500 | 3,610 |
Average earning assets | $155,660,500 | 3,655 |
Average equity | $15,827,500 | 3,978 |
Average total loans | $106,145,500 | 3,879 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3014% | 3,958 |
Cost of funding earning assets | 2.0839% | 6,118 |
Net interest margin | 4.2175% | 2,241 |
Noninterest income to average assets | 0.7271% | 2,931 |
Noninterest expense to average assets | 2.4598% | 6,170 |
Loan and lease loss provision to assets | 0.1762% | 5,139 |
Net operating income to assets | 1.8724% | 463 |
Return on assets (ROA) | 1.8096% | 520 |
Pretax return on assets | 1.8107% | 924 |
Return on Equity (ROE) | 20.6288% | 326 |
Retained earnings to average equity (ytd only) | 14.6565% | 101 |
Net charge-offs to loans | 1.9620% | 553 |
Credit loss provision to net charge-offs | 14.1376% | 6,601 |
Earnings coverage of net charge-offs (x) | 1.6447% | 5,265 |
Efficiency ratio | 54.5455% | 7,209 |
Assets per employee ($millions) | 4.2132% | 3,093 |
Cash dividends to net income (ytd only)* | 28.9516% | 4,151 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0546% | 5,584 |
Loan loss allowance to noncurrent loans | 85.2231% | 3,960 |
Noncurrent assets plus other real estate owned to assets | 1.7513% | 2,791 |
Noncurrent loans to loans | 1.2375% | 4,040 |
Net loans and leases to total assets | 61.7662% | 5,653 |
Net loans and leases to deposits | 76.0388% | 5,589 |
Net loans and leases to core deposits | 82.1025% | 6,455 |
Total domestic deposits to total assets | 81.2298% | 4,544 |
Equity capital to assets | 9.2667% | 4,978 |
Core capital (leverage) ratio | 8.4226% | 5,708 |
Tier 1 risk-based capital ratio | 10.2670% | 6,455 |
Total risk-based capital ratio | 11.1255% | 6,761 |
Memoranda: | ||
Average total assets | $170,261,200 | 3,550 |
Average earning assets | $152,697,400 | 3,603 |
Average equity | $14,935,400 | 4,153 |
Average total loans | $108,157,200 | 3,736 |