Home > Kearney Trust Company > Performance and Condition Ratios
Kearney Trust Company, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4626% | 3,161 |
Cost of funding earning assets | 1.0545% | 3,184 |
Net interest margin | 3.4081% | 2,391 |
Noninterest income to average assets | 0.3900% | 2,564 |
Noninterest expense to average assets | 2.0952% | 3,417 |
Loan and lease loss provision to assets | 0.0600% | 1,903 |
Net operating income to assets | 1.5383% | 954 |
Return on assets (ROA) | 1.4862% | 1,011 |
Pretax return on assets | 1.4880% | 1,449 |
Return on Equity (ROE) | 20.1400% | 604 |
Retained earnings to average equity (ytd only) | 11.5899% | 685 |
Net charge-offs to loans | 0.0329% | 1,640 |
Credit loss provision to net charge-offs | 323.5294% | 909 |
Earnings coverage of net charge-offs (x) | 89.0196% | 962 |
Efficiency ratio | 56.7289% | 3,428 |
Assets per employee ($millions) | 8.3163% | 1,272 |
Cash dividends to net income (ytd only)* | 42.4443% | 1,976 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4578% | 1,180 |
Loan loss allowance to noncurrent loans | 799.6599% | 1,047 |
Noncurrent assets plus other real estate owned to assets | 0.1010% | 2,850 |
Noncurrent loans to loans | 0.1823% | 2,601 |
Net loans and leases to total assets | 54.6000% | 3,303 |
Net loans and leases to deposits | 59.9999% | 3,524 |
Net loans and leases to core deposits | 63.5951% | 3,604 |
Total domestic deposits to total assets | 90.9900% | 505 |
Equity capital to assets | 8.1922% | 3,285 |
Core capital (leverage) ratio | 9.9392% | 2,836 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.1157% | 895 |
Memoranda: | ||
Average total assets | $284,079,200 | 2,503 |
Average earning assets | $275,196,800 | 2,436 |
Average equity | $20,966,600 | 2,778 |
Average total loans | $155,207,600 | 2,635 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3192% | 3,258 |
Cost of funding earning assets | 0.9458% | 3,165 |
Net interest margin | 3.3734% | 2,512 |
Noninterest income to average assets | 0.4000% | 2,484 |
Noninterest expense to average assets | 2.0274% | 3,525 |
Loan and lease loss provision to assets | 0.0500% | 1,947 |
Net operating income to assets | 1.5919% | 950 |
Return on assets (ROA) | 1.5919% | 947 |
Pretax return on assets | 1.5938% | 1,371 |
Return on Equity (ROE) | 22.2000% | 546 |
Retained earnings to average equity (ytd only) | 10.6746% | 1,226 |
Net charge-offs to loans | 0.0338% | 1,410 |
Credit loss provision to net charge-offs | 269.2308% | 947 |
Earnings coverage of net charge-offs (x) | 89.2308% | 980 |
Efficiency ratio | 55.2296% | 3,469 |
Assets per employee ($millions) | 8.5037% | 1,118 |
Cash dividends to net income (ytd only)* | 51.9134% | 1,179 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4469% | 1,268 |
Loan loss allowance to noncurrent loans | 772.8188% | 1,063 |
Noncurrent assets plus other real estate owned to assets | 0.1062% | 2,869 |
Noncurrent loans to loans | 0.1872% | 2,612 |
Net loans and leases to total assets | 55.9000% | 3,210 |
Net loans and leases to deposits | 60.8783% | 3,456 |
Net loans and leases to core deposits | 64.8631% | 3,486 |
Total domestic deposits to total assets | 91.8200% | 491 |
Equity capital to assets | 7.3212% | 3,457 |
Core capital (leverage) ratio | 9.8589% | 2,941 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.8093% | 973 |
Memoranda: | ||
Average total assets | $282,331,750 | 2,512 |
Average earning assets | $274,058,000 | 2,451 |
Average equity | $20,247,000 | 2,822 |
Average total loans | $153,693,250 | 2,653 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1585% | 3,380 |
Cost of funding earning assets | 0.8056% | 3,192 |
Net interest margin | 3.3529% | 2,634 |
Noninterest income to average assets | 0.4000% | 2,440 |
Noninterest expense to average assets | 2.0551% | 3,452 |
Loan and lease loss provision to assets | 0.0300% | 2,254 |
Net operating income to assets | 1.5638% | 998 |
Return on assets (ROA) | 1.5638% | 995 |
Pretax return on assets | 1.5652% | 1,472 |
Return on Equity (ROE) | 21.9600% | 542 |
Retained earnings to average equity (ytd only) | 4.5861% | 3,059 |
Net charge-offs to loans | 0.0817% | 777 |
Credit loss provision to net charge-offs | 72.5806% | 1,581 |
Earnings coverage of net charge-offs (x) | 36.4355% | 1,458 |
Efficiency ratio | 56.2718% | 3,387 |
Assets per employee ($millions) | 7.8746% | 1,375 |
Cash dividends to net income (ytd only)* | 79.1139% | 571 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4161% | 1,470 |
Loan loss allowance to noncurrent loans | 2,775.0000% | 427 |
Noncurrent assets plus other real estate owned to assets | 0.0282% | 3,504 |
Noncurrent loans to loans | 0.0510% | 3,342 |
Net loans and leases to total assets | 54.5200% | 3,230 |
Net loans and leases to deposits | 59.1612% | 3,471 |
Net loans and leases to core deposits | 62.5576% | 3,516 |
Total domestic deposits to total assets | 92.1500% | 385 |
Equity capital to assets | 7.1189% | 3,727 |
Core capital (leverage) ratio | 9.4684% | 3,283 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.2229% | 1,082 |
Memoranda: | ||
Average total assets | $282,901,667 | 2,514 |
Average earning assets | $274,572,000 | 2,454 |
Average equity | $20,147,667 | 2,854 |
Average total loans | $151,866,667 | 2,657 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9455% | 3,568 |
Cost of funding earning assets | 0.6122% | 3,344 |
Net interest margin | 3.3333% | 2,786 |
Noninterest income to average assets | 0.3900% | 2,457 |
Noninterest expense to average assets | 2.0282% | 3,562 |
Loan and lease loss provision to assets | 0.0400% | 1,925 |
Net operating income to assets | 1.5612% | 1,056 |
Return on assets (ROA) | 1.5612% | 1,050 |
Pretax return on assets | 1.5612% | 1,553 |
Return on Equity (ROE) | 21.9200% | 587 |
Retained earnings to average equity (ytd only) | 21.9164% | 291 |
Net charge-offs to loans | 0.0107% | 1,538 |
Credit loss provision to net charge-offs | 750.0000% | 428 |
Earnings coverage of net charge-offs (x) | 283.2500% | 383 |
Efficiency ratio | 55.8457% | 3,421 |
Assets per employee ($millions) | 7.6024% | 1,558 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5031% | 1,244 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
Noncurrent loans to loans | 0.0000% | 3,889 |
Net loans and leases to total assets | 52.7200% | 3,297 |
Net loans and leases to deposits | 57.4167% | 3,481 |
Net loans and leases to core deposits | 59.7014% | 3,553 |
Total domestic deposits to total assets | 91.8200% | 561 |
Equity capital to assets | 7.5492% | 3,536 |
Core capital (leverage) ratio | 9.6959% | 3,002 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.9484% | 999 |
Memoranda: | ||
Average total assets | $282,610,500 | 2,544 |
Average earning assets | $274,440,500 | 2,481 |
Average equity | $20,131,000 | 2,880 |
Average total loans | $149,414,500 | 2,705 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2173% | 3,791 |
Cost of funding earning assets | 0.1999% | 3,758 |
Net interest margin | 3.0175% | 3,408 |
Noninterest income to average assets | 0.3700% | 2,879 |
Noninterest expense to average assets | 1.8963% | 3,831 |
Loan and lease loss provision to assets | 0.0400% | 2,129 |
Net operating income to assets | 1.3674% | 1,219 |
Return on assets (ROA) | 1.2423% | 1,575 |
Pretax return on assets | 1.2444% | 2,293 |
Return on Equity (ROE) | 17.2700% | 819 |
Retained earnings to average equity (ytd only) | 8.6786% | 1,574 |
Net charge-offs to loans | -0.0045% | 3,611 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 57.4353% | 3,413 |
Assets per employee ($millions) | 7.6738% | 1,504 |
Cash dividends to net income (ytd only)* | 49.7409% | 1,400 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7030% | 798 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 51.3300% | 3,411 |
Net loans and leases to deposits | 55.3228% | 3,609 |
Net loans and leases to core deposits | 57.3536% | 3,653 |
Total domestic deposits to total assets | 92.7800% | 452 |
Equity capital to assets | 6.7013% | 3,812 |
Core capital (leverage) ratio | 9.2366% | 3,413 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.0924% | 1,113 |
Memoranda: | ||
Average total assets | $279,649,600 | 2,553 |
Average earning assets | $271,652,400 | 2,483 |
Average equity | $20,118,400 | 2,946 |
Average total loans | $134,188,800 | 2,784 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0438% | 3,806 |
Cost of funding earning assets | 0.1340% | 3,998 |
Net interest margin | 2.9098% | 3,469 |
Noninterest income to average assets | 0.3700% | 2,924 |
Noninterest expense to average assets | 1.7752% | 4,026 |
Loan and lease loss provision to assets | 0.0400% | 1,932 |
Net operating income to assets | 1.3784% | 1,145 |
Return on assets (ROA) | 1.3784% | 1,119 |
Pretax return on assets | 1.3813% | 1,775 |
Return on Equity (ROE) | 18.8300% | 539 |
Retained earnings to average equity (ytd only) | 8.2844% | 1,892 |
Net charge-offs to loans | -0.0163% | 3,909 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 55.5240% | 3,672 |
Assets per employee ($millions) | 7.7132% | 1,473 |
Cash dividends to net income (ytd only)* | 56.0069% | 983 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7820% | 755 |
Loan loss allowance to noncurrent loans | 126,000.0000% | 16 |
Noncurrent assets plus other real estate owned to assets | 0.0007% | 4,039 |
Noncurrent loans to loans | 0.0014% | 3,971 |
Net loans and leases to total assets | 50.0200% | 3,457 |
Net loans and leases to deposits | 53.4519% | 3,637 |
Net loans and leases to core deposits | 54.9819% | 3,686 |
Total domestic deposits to total assets | 93.5800% | 442 |
Equity capital to assets | 6.1389% | 3,910 |
Core capital (leverage) ratio | 9.0484% | 3,555 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.2325% | 1,134 |
Memoranda: | ||
Average total assets | $278,579,000 | 2,576 |
Average earning assets | $270,660,250 | 2,512 |
Average equity | $20,391,250 | 2,961 |
Average total loans | $130,668,750 | 2,821 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8883% | 3,815 |
Cost of funding earning assets | 0.0947% | 4,249 |
Net interest margin | 2.7936% | 3,464 |
Noninterest income to average assets | 0.3701% | 2,926 |
Noninterest expense to average assets | 1.7599% | 4,039 |
Loan and lease loss provision to assets | 0.0502% | 1,681 |
Net operating income to assets | 1.2643% | 1,244 |
Return on assets (ROA) | 1.2643% | 1,224 |
Pretax return on assets | 1.2686% | 1,844 |
Return on Equity (ROE) | 16.3952% | 649 |
Retained earnings to average equity (ytd only) | 1.3949% | 3,903 |
Net charge-offs to loans | -0.0330% | 4,080 |
Credit loss provision to net charge-offs | -333.3333% | 3,300 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.1628% | 3,662 |
Assets per employee ($millions) | 7.6240% | 1,534 |
Cash dividends to net income (ytd only)* | 91.4918% | 454 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9670% | 592 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | 0.0000% | 4,026 |
Net loans and leases to total assets | 44.3468% | 3,807 |
Net loans and leases to deposits | 47.5697% | 3,941 |
Net loans and leases to core deposits | 48.9616% | 3,983 |
Total domestic deposits to total assets | 93.2248% | 460 |
Equity capital to assets | 6.5547% | 3,997 |
Core capital (leverage) ratio | 8.7759% | 3,687 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.8119% | 1,019 |
Memoranda: | ||
Average total assets | $278,880,667 | 2,593 |
Average earning assets | $270,403,667 | 2,538 |
Average equity | $21,506,333 | 2,943 |
Average total loans | $127,085,667 | 2,874 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8576% | 3,634 |
Cost of funding earning assets | 0.0834% | 4,314 |
Net interest margin | 2.7742% | 3,212 |
Noninterest income to average assets | 0.3722% | 2,859 |
Noninterest expense to average assets | 1.7239% | 4,101 |
Loan and lease loss provision to assets | 0.0649% | 1,256 |
Net operating income to assets | 1.2666% | 1,080 |
Return on assets (ROA) | 1.2666% | 1,069 |
Pretax return on assets | 1.2709% | 1,595 |
Return on Equity (ROE) | 15.2599% | 618 |
Retained earnings to average equity (ytd only) | 15.2599% | 273 |
Net charge-offs to loans | 0.0189% | 1,152 |
Credit loss provision to net charge-offs | 750.0000% | 407 |
Earnings coverage of net charge-offs (x) | 154.3333% | 526 |
Efficiency ratio | 56.3413% | 3,845 |
Assets per employee ($millions) | 7.7716% | 1,510 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9431% | 686 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
Noncurrent loans to loans | 0.0000% | 4,066 |
Net loans and leases to total assets | 44.3348% | 3,714 |
Net loans and leases to deposits | 48.0557% | 3,862 |
Net loans and leases to core deposits | 49.3935% | 3,903 |
Total domestic deposits to total assets | 92.2570% | 487 |
Equity capital to assets | 7.5446% | 3,903 |
Core capital (leverage) ratio | 9.2732% | 3,034 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.3435% | 991 |
Memoranda: | ||
Average total assets | $277,277,000 | 2,613 |
Average earning assets | $268,621,000 | 2,564 |
Average equity | $23,014,500 | 2,904 |
Average total loans | $126,825,000 | 2,886 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1305% | 3,622 |
Cost of funding earning assets | 0.1169% | 4,258 |
Net interest margin | 3.0136% | 3,158 |
Noninterest income to average assets | 0.3944% | 3,079 |
Noninterest expense to average assets | 1.9000% | 3,922 |
Loan and lease loss provision to assets | 0.1102% | 1,144 |
Net operating income to assets | 1.2856% | 1,644 |
Return on assets (ROA) | 1.2856% | 1,698 |
Pretax return on assets | 1.2912% | 2,385 |
Return on Equity (ROE) | 14.2340% | 1,117 |
Retained earnings to average equity (ytd only) | 10.0986% | 893 |
Net charge-offs to loans | -0.0153% | 3,886 |
Credit loss provision to net charge-offs | -1,552.6316% | 4,008 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.5518% | 3,511 |
Assets per employee ($millions) | 8.0817% | 1,291 |
Cash dividends to net income (ytd only)* | 29.0529% | 2,606 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9024% | 726 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
Noncurrent loans to loans | 0.0000% | 4,145 |
Net loans and leases to total assets | 45.3948% | 3,734 |
Net loans and leases to deposits | 50.0719% | 3,872 |
Net loans and leases to core deposits | 51.5739% | 3,921 |
Total domestic deposits to total assets | 90.6594% | 636 |
Equity capital to assets | 9.0695% | 3,549 |
Core capital (leverage) ratio | 8.9367% | 3,469 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.6082% | 1,137 |
Memoranda: | ||
Average total assets | $267,738,400 | 2,616 |
Average earning assets | $258,265,000 | 2,560 |
Average equity | $24,181,600 | 2,902 |
Average total loans | $123,850,400 | 2,915 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1838% | 3,632 |
Cost of funding earning assets | 0.1264% | 4,298 |
Net interest margin | 3.0575% | 3,154 |
Noninterest income to average assets | 0.4040% | 3,062 |
Noninterest expense to average assets | 1.8247% | 4,117 |
Loan and lease loss provision to assets | 0.1218% | 964 |
Net operating income to assets | 1.3991% | 1,546 |
Return on assets (ROA) | 1.3991% | 1,606 |
Pretax return on assets | 1.4046% | 2,317 |
Return on Equity (ROE) | 15.5073% | 1,040 |
Retained earnings to average equity (ytd only) | 9.9511% | 1,329 |
Net charge-offs to loans | -0.0195% | 3,956 |
Credit loss provision to net charge-offs | -1,350.0000% | 3,917 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 54.4503% | 3,735 |
Assets per employee ($millions) | 7.5729% | 1,526 |
Cash dividends to net income (ytd only)* | 35.8295% | 1,805 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9369% | 717 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
Noncurrent loans to loans | 0.0000% | 4,237 |
Net loans and leases to total assets | 43.9382% | 3,957 |
Net loans and leases to deposits | 48.4893% | 4,089 |
Net loans and leases to core deposits | 49.9691% | 4,141 |
Total domestic deposits to total assets | 90.6142% | 499 |
Equity capital to assets | 9.1330% | 3,718 |
Core capital (leverage) ratio | 8.9626% | 3,591 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.9864% | 1,135 |
Memoranda: | ||
Average total assets | $265,978,500 | 2,656 |
Average earning assets | $256,372,750 | 2,591 |
Average equity | $23,996,750 | 2,942 |
Average total loans | $123,024,500 | 2,963 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1195% | 3,821 |
Cost of funding earning assets | 0.1395% | 4,282 |
Net interest margin | 2.9799% | 3,376 |
Noninterest income to average assets | 0.4140% | 3,039 |
Noninterest expense to average assets | 1.8100% | 4,165 |
Loan and lease loss provision to assets | 0.1441% | 840 |
Net operating income to assets | 1.3201% | 1,804 |
Return on assets (ROA) | 1.3201% | 1,867 |
Pretax return on assets | 1.3262% | 2,562 |
Return on Equity (ROE) | 14.6945% | 1,235 |
Retained earnings to average equity (ytd only) | 6.2542% | 2,707 |
Net charge-offs to loans | -0.0146% | 3,842 |
Credit loss provision to net charge-offs | -2,111.1111% | 3,841 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.1780% | 3,645 |
Assets per employee ($millions) | 7.4622% | 1,500 |
Cash dividends to net income (ytd only)* | 57.4383% | 1,006 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8541% | 805 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
Noncurrent loans to loans | 0.0000% | 4,280 |
Net loans and leases to total assets | 45.3996% | 3,945 |
Net loans and leases to deposits | 49.9775% | 4,115 |
Net loans and leases to core deposits | 51.4688% | 4,159 |
Total domestic deposits to total assets | 90.8401% | 423 |
Equity capital to assets | 8.9027% | 3,888 |
Core capital (leverage) ratio | 8.6157% | 3,865 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.2259% | 1,283 |
Memoranda: | ||
Average total assets | $263,762,667 | 2,658 |
Average earning assets | $253,696,667 | 2,598 |
Average equity | $23,696,000 | 2,960 |
Average total loans | $123,315,000 | 2,982 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1427% | 3,796 |
Cost of funding earning assets | 0.1627% | 4,220 |
Net interest margin | 2.9800% | 3,315 |
Noninterest income to average assets | 0.4072% | 3,051 |
Noninterest expense to average assets | 1.8077% | 4,203 |
Loan and lease loss provision to assets | 0.1607% | 784 |
Net operating income to assets | 1.2919% | 1,855 |
Return on assets (ROA) | 1.2919% | 1,926 |
Pretax return on assets | 1.2980% | 2,577 |
Return on Equity (ROE) | 14.3136% | 1,370 |
Retained earnings to average equity (ytd only) | -2.6456% | 4,581 |
Net charge-offs to loans | 0.1400% | 535 |
Credit loss provision to net charge-offs | 244.1860% | 826 |
Earnings coverage of net charge-offs (x) | 22.1628% | 1,214 |
Efficiency ratio | 55.3421% | 3,628 |
Assets per employee ($millions) | 7.6947% | 1,345 |
Cash dividends to net income (ytd only)* | 118.4834% | 329 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7596% | 928 |
Loan loss allowance to noncurrent loans | 4,610.6383% | 209 |
Noncurrent assets plus other real estate owned to assets | 0.0175% | 4,251 |
Noncurrent loans to loans | 0.0382% | 4,089 |
Net loans and leases to total assets | 44.9240% | 4,041 |
Net loans and leases to deposits | 49.2003% | 4,211 |
Net loans and leases to core deposits | 50.5659% | 4,265 |
Total domestic deposits to total assets | 91.3083% | 292 |
Equity capital to assets | 8.4800% | 4,133 |
Core capital (leverage) ratio | 8.7000% | 3,915 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.2804% | 1,482 |
Memoranda: | ||
Average total assets | $261,324,500 | 2,662 |
Average earning assets | $250,736,000 | 2,608 |
Average equity | $23,586,000 | 2,958 |
Average total loans | $122,840,000 | 2,989 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8201% | 3,246 |
Cost of funding earning assets | 0.3085% | 4,095 |
Net interest margin | 3.5116% | 2,434 |
Noninterest income to average assets | 0.4115% | 3,039 |
Noninterest expense to average assets | 2.0967% | 3,941 |
Loan and lease loss provision to assets | 0.4132% | 732 |
Net operating income to assets | 1.2253% | 1,461 |
Return on assets (ROA) | 1.2253% | 1,572 |
Pretax return on assets | 1.2309% | 2,217 |
Return on Equity (ROE) | 12.4539% | 1,195 |
Retained earnings to average equity (ytd only) | 5.8576% | 1,868 |
Net charge-offs to loans | 0.4685% | 353 |
Credit loss provision to net charge-offs | 162.6917% | 2,360 |
Earnings coverage of net charge-offs (x) | 6.4736% | 2,780 |
Efficiency ratio | 56.0490% | 3,983 |
Assets per employee ($millions) | 7.2381% | 1,425 |
Cash dividends to net income (ytd only)* | 52.9661% | 1,683 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7180% | 999 |
Loan loss allowance to noncurrent loans | 4,385.4167% | 229 |
Noncurrent assets plus other real estate owned to assets | 0.0189% | 4,302 |
Noncurrent loans to loans | 0.0392% | 4,146 |
Net loans and leases to total assets | 47.5345% | 4,007 |
Net loans and leases to deposits | 52.7521% | 4,181 |
Net loans and leases to core deposits | 54.3301% | 4,242 |
Total domestic deposits to total assets | 90.1091% | 524 |
Equity capital to assets | 9.6055% | 3,508 |
Core capital (leverage) ratio | 9.2285% | 3,408 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.3345% | 1,434 |
Memoranda: | ||
Average total assets | $231,123,000 | 2,707 |
Average earning assets | $219,133,000 | 2,678 |
Average equity | $22,739,800 | 2,959 |
Average total loans | $125,294,000 | 2,920 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8962% | 3,266 |
Cost of funding earning assets | 0.3477% | 4,067 |
Net interest margin | 3.5485% | 2,430 |
Noninterest income to average assets | 0.4114% | 3,022 |
Noninterest expense to average assets | 2.0836% | 3,982 |
Loan and lease loss provision to assets | 0.4668% | 666 |
Net operating income to assets | 1.2159% | 1,592 |
Return on assets (ROA) | 1.2159% | 1,716 |
Pretax return on assets | 1.2212% | 2,318 |
Return on Equity (ROE) | 12.2759% | 1,304 |
Retained earnings to average equity (ytd only) | 3.3241% | 3,386 |
Net charge-offs to loans | 0.5715% | 259 |
Credit loss provision to net charge-offs | 146.2963% | 2,346 |
Earnings coverage of net charge-offs (x) | 5.2889% | 2,743 |
Efficiency ratio | 55.2421% | 4,010 |
Assets per employee ($millions) | 6.6000% | 1,757 |
Cash dividends to net income (ytd only)* | 72.9217% | 749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5326% | 1,296 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 53.7309% | 3,827 |
Net loans and leases to deposits | 59.9030% | 4,061 |
Net loans and leases to core deposits | 61.6678% | 4,129 |
Total domestic deposits to total assets | 89.6965% | 525 |
Equity capital to assets | 10.0080% | 3,217 |
Core capital (leverage) ratio | 9.2720% | 3,484 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.5637% | 1,630 |
Memoranda: | ||
Average total assets | $225,570,250 | 2,731 |
Average earning assets | $213,604,250 | 2,705 |
Average equity | $22,341,250 | 2,982 |
Average total loans | $125,986,000 | 2,915 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9813% | 3,374 |
Cost of funding earning assets | 0.3966% | 4,047 |
Net interest margin | 3.5847% | 2,538 |
Noninterest income to average assets | 0.4035% | 3,053 |
Noninterest expense to average assets | 2.1231% | 3,978 |
Loan and lease loss provision to assets | 0.5100% | 686 |
Net operating income to assets | 1.1509% | 1,798 |
Return on assets (ROA) | 1.1509% | 1,927 |
Pretax return on assets | 1.1563% | 2,520 |
Return on Equity (ROE) | 11.6641% | 1,429 |
Retained earnings to average equity (ytd only) | -2.0584% | 4,593 |
Net charge-offs to loans | 0.8785% | 174 |
Credit loss provision to net charge-offs | 103.1022% | 2,376 |
Earnings coverage of net charge-offs (x) | 3.3686% | 2,683 |
Efficiency ratio | 56.0267% | 3,939 |
Assets per employee ($millions) | 6.4017% | 1,860 |
Cash dividends to net income (ytd only)* | 117.6471% | 334 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3721% | 1,682 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
Noncurrent loans to loans | 0.0000% | 4,537 |
Net loans and leases to total assets | 53.2293% | 3,938 |
Net loans and leases to deposits | 59.0552% | 4,165 |
Net loans and leases to core deposits | 60.7828% | 4,222 |
Total domestic deposits to total assets | 90.1348% | 366 |
Equity capital to assets | 9.6060% | 3,558 |
Core capital (leverage) ratio | 9.0998% | 3,799 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.5752% | 1,609 |
Memoranda: | ||
Average total assets | $221,560,667 | 2,744 |
Average earning assets | $209,278,000 | 2,717 |
Average equity | $21,862,000 | 2,999 |
Average total loans | $124,764,333 | 2,920 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0762% | 3,589 |
Cost of funding earning assets | 0.4971% | 3,961 |
Net interest margin | 3.5792% | 2,738 |
Noninterest income to average assets | 0.4563% | 2,757 |
Noninterest expense to average assets | 2.2421% | 3,909 |
Loan and lease loss provision to assets | 0.3085% | 1,007 |
Net operating income to assets | 1.3221% | 1,184 |
Return on assets (ROA) | 1.3221% | 1,278 |
Pretax return on assets | 1.3258% | 1,795 |
Return on Equity (ROE) | 13.2048% | 844 |
Retained earnings to average equity (ytd only) | -14.8110% | 4,889 |
Net charge-offs to loans | 0.8926% | 164 |
Credit loss provision to net charge-offs | 60.0000% | 2,017 |
Earnings coverage of net charge-offs (x) | 3.1782% | 2,229 |
Efficiency ratio | 57.8389% | 4,021 |
Assets per employee ($millions) | 5.9338% | 1,734 |
Cash dividends to net income (ytd only)* | 212.1641% | 272 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2919% | 2,179 |
Loan loss allowance to noncurrent loans | 516.5079% | 946 |
Noncurrent assets plus other real estate owned to assets | 0.1435% | 3,924 |
Noncurrent loans to loans | 0.2501% | 3,592 |
Net loans and leases to total assets | 56.6224% | 3,788 |
Net loans and leases to deposits | 62.8906% | 4,050 |
Net loans and leases to core deposits | 65.0518% | 4,128 |
Total domestic deposits to total assets | 90.0332% | 311 |
Equity capital to assets | 9.7413% | 4,004 |
Core capital (leverage) ratio | 9.6428% | 3,840 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.7856% | 1,662 |
Memoranda: | ||
Average total assets | $213,910,000 | 2,761 |
Average earning assets | $204,405,000 | 2,708 |
Average equity | $21,416,500 | 3,038 |
Average total loans | $123,229,500 | 2,919 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2451% | 3,697 |
Cost of funding earning assets | 0.5635% | 3,808 |
Net interest margin | 3.6816% | 2,864 |
Noninterest income to average assets | 0.4943% | 2,772 |
Noninterest expense to average assets | 2.4873% | 3,487 |
Loan and lease loss provision to assets | 0.1526% | 1,388 |
Net operating income to assets | 1.3995% | 1,344 |
Return on assets (ROA) | 1.3995% | 1,414 |
Pretax return on assets | 1.3995% | 2,162 |
Return on Equity (ROE) | 13.2810% | 1,083 |
Retained earnings to average equity (ytd only) | 1.3368% | 4,266 |
Net charge-offs to loans | 0.0831% | 1,926 |
Credit loss provision to net charge-offs | 303.0303% | 915 |
Earnings coverage of net charge-offs (x) | 30.8283% | 1,555 |
Efficiency ratio | 61.5762% | 3,442 |
Assets per employee ($millions) | 5.7853% | 1,802 |
Cash dividends to net income (ytd only)* | 89.9346% | 525 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4413% | 1,387 |
Loan loss allowance to noncurrent loans | 2,631.8182% | 252 |
Noncurrent assets plus other real estate owned to assets | 0.0317% | 4,488 |
Noncurrent loans to loans | 0.0548% | 4,327 |
Net loans and leases to total assets | 57.0319% | 3,845 |
Net loans and leases to deposits | 63.8124% | 4,084 |
Net loans and leases to core deposits | 66.1714% | 4,186 |
Total domestic deposits to total assets | 89.3744% | 537 |
Equity capital to assets | 10.2972% | 3,630 |
Core capital (leverage) ratio | 10.4427% | 3,015 |
Tier 1 risk-based capital ratio | 16.0261% | 2,397 |
Total risk-based capital ratio | 17.2767% | 2,342 |
Memoranda: | ||
Average total assets | $196,638,800 | 2,871 |
Average earning assets | $189,346,600 | 2,807 |
Average equity | $20,721,400 | 3,063 |
Average total loans | $119,201,000 | 2,951 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2641% | 3,765 |
Cost of funding earning assets | 0.5709% | 3,813 |
Net interest margin | 3.6932% | 2,944 |
Noninterest income to average assets | 0.5052% | 2,693 |
Noninterest expense to average assets | 2.4549% | 3,551 |
Loan and lease loss provision to assets | 0.1548% | 1,213 |
Net operating income to assets | 1.4570% | 1,316 |
Return on assets (ROA) | 1.4570% | 1,368 |
Pretax return on assets | 1.4570% | 2,090 |
Return on Equity (ROE) | 13.7418% | 1,039 |
Retained earnings to average equity (ytd only) | -2.3238% | 4,950 |
Net charge-offs to loans | 0.0583% | 1,990 |
Credit loss provision to net charge-offs | 432.6923% | 712 |
Earnings coverage of net charge-offs (x) | 45.0395% | 1,270 |
Efficiency ratio | 60.3655% | 3,569 |
Assets per employee ($millions) | 5.3508% | 2,173 |
Cash dividends to net income (ytd only)* | 116.9106% | 202 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4156% | 1,511 |
Loan loss allowance to noncurrent loans | 2,550.7463% | 272 |
Noncurrent assets plus other real estate owned to assets | 0.0338% | 4,551 |
Noncurrent loans to loans | 0.0555% | 4,390 |
Net loans and leases to total assets | 60.1154% | 3,664 |
Net loans and leases to deposits | 67.5258% | 3,952 |
Net loans and leases to core deposits | 69.9828% | 4,058 |
Total domestic deposits to total assets | 89.0257% | 602 |
Equity capital to assets | 10.6040% | 3,466 |
Core capital (leverage) ratio | 10.4486% | 3,146 |
Tier 1 risk-based capital ratio | 15.6655% | 2,577 |
Total risk-based capital ratio | 16.9157% | 2,512 |
Memoranda: | ||
Average total assets | $193,730,750 | 2,911 |
Average earning assets | $186,825,250 | 2,849 |
Average equity | $20,540,250 | 3,109 |
Average total loans | $118,871,750 | 2,981 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2295% | 3,847 |
Cost of funding earning assets | 0.5617% | 3,827 |
Net interest margin | 3.6678% | 3,039 |
Noninterest income to average assets | 0.5085% | 2,630 |
Noninterest expense to average assets | 2.4803% | 3,547 |
Loan and lease loss provision to assets | 0.1560% | 1,166 |
Net operating income to assets | 1.4102% | 1,406 |
Return on assets (ROA) | 1.4102% | 1,456 |
Pretax return on assets | 1.4102% | 2,168 |
Return on Equity (ROE) | 13.3013% | 1,158 |
Retained earnings to average equity (ytd only) | -3.1291% | 4,975 |
Net charge-offs to loans | 0.0660% | 1,711 |
Credit loss provision to net charge-offs | 384.6154% | 744 |
Earnings coverage of net charge-offs (x) | 38.6154% | 1,271 |
Efficiency ratio | 61.2953% | 3,542 |
Assets per employee ($millions) | 5.5157% | 1,956 |
Cash dividends to net income (ytd only)* | 123.5251% | 233 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4051% | 1,592 |
Loan loss allowance to noncurrent loans | 2,422.0588% | 287 |
Noncurrent assets plus other real estate owned to assets | 0.0342% | 4,599 |
Noncurrent loans to loans | 0.0580% | 4,422 |
Net loans and leases to total assets | 58.2014% | 3,896 |
Net loans and leases to deposits | 65.2294% | 4,146 |
Net loans and leases to core deposits | 67.1749% | 4,254 |
Total domestic deposits to total assets | 89.2256% | 581 |
Equity capital to assets | 10.4858% | 3,528 |
Core capital (leverage) ratio | 10.6214% | 2,962 |
Tier 1 risk-based capital ratio | 16.4470% | 2,259 |
Total risk-based capital ratio | 17.6972% | 2,204 |
Memoranda: | ||
Average total assets | $192,314,000 | 2,939 |
Average earning assets | $185,506,330 | 2,868 |
Average equity | $20,389,000 | 3,116 |
Average total loans | $118,253,670 | 3,005 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2090% | 3,833 |
Cost of funding earning assets | 0.5278% | 3,930 |
Net interest margin | 3.6812% | 2,966 |
Noninterest income to average assets | 0.5138% | 2,476 |
Noninterest expense to average assets | 2.4843% | 3,555 |
Loan and lease loss provision to assets | 0.1586% | 1,067 |
Net operating income to assets | 1.4250% | 1,308 |
Return on assets (ROA) | 1.4250% | 1,336 |
Pretax return on assets | 1.4250% | 2,002 |
Return on Equity (ROE) | 13.3644% | 1,120 |
Retained earnings to average equity (ytd only) | -19.8483% | 5,253 |
Net charge-offs to loans | 0.0741% | 1,323 |
Credit loss provision to net charge-offs | 340.9091% | 763 |
Earnings coverage of net charge-offs (x) | 34.0455% | 1,253 |
Efficiency ratio | 61.0707% | 3,668 |
Assets per employee ($millions) | 5.5754% | 1,909 |
Cash dividends to net income (ytd only)* | 248.5163% | 120 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3158% | 2,015 |
Loan loss allowance to noncurrent loans | 22,700.0000% | 40 |
Noncurrent assets plus other real estate owned to assets | 0.0036% | 4,873 |
Noncurrent loans to loans | 0.0058% | 4,775 |
Net loans and leases to total assets | 61.0721% | 3,595 |
Net loans and leases to deposits | 68.1559% | 3,914 |
Net loans and leases to core deposits | 70.4042% | 4,066 |
Total domestic deposits to total assets | 89.6064% | 597 |
Equity capital to assets | 10.1630% | 3,666 |
Core capital (leverage) ratio | 10.5984% | 2,942 |
Tier 1 risk-based capital ratio | 15.4328% | 2,680 |
Total risk-based capital ratio | 16.6663% | 2,605 |
Memoranda: | ||
Average total assets | $189,189,000 | 3,003 |
Average earning assets | $182,656,000 | 2,923 |
Average equity | $20,173,000 | 3,146 |
Average total loans | $118,773,500 | 3,033 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0672% | 3,850 |
Cost of funding earning assets | 0.3539% | 4,261 |
Net interest margin | 3.7132% | 2,982 |
Noninterest income to average assets | 0.5342% | 2,639 |
Noninterest expense to average assets | 2.6000% | 3,332 |
Loan and lease loss provision to assets | 0.1460% | 1,463 |
Net operating income to assets | 1.3760% | 1,512 |
Return on assets (ROA) | 1.3760% | 1,505 |
Pretax return on assets | 1.3673% | 2,249 |
Return on Equity (ROE) | 13.0144% | 1,348 |
Retained earnings to average equity (ytd only) | 5.3438% | 2,567 |
Net charge-offs to loans | 0.2046% | 936 |
Credit loss provision to net charge-offs | 115.8798% | 2,238 |
Earnings coverage of net charge-offs (x) | 12.0129% | 2,579 |
Efficiency ratio | 63.2098% | 3,302 |
Assets per employee ($millions) | 5.0899% | 2,392 |
Cash dividends to net income (ytd only)* | 58.9391% | 1,542 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3153% | 1,971 |
Loan loss allowance to noncurrent loans | 10,240.0000% | 92 |
Noncurrent assets plus other real estate owned to assets | 0.0082% | 4,871 |
Noncurrent loans to loans | 0.0128% | 4,742 |
Net loans and leases to total assets | 62.8942% | 3,475 |
Net loans and leases to deposits | 71.0847% | 3,744 |
Net loans and leases to core deposits | 73.8155% | 3,866 |
Total domestic deposits to total assets | 88.4778% | 1,078 |
Equity capital to assets | 11.1953% | 2,519 |
Core capital (leverage) ratio | 11.2139% | 2,338 |
Tier 1 risk-based capital ratio | 16.5679% | 2,218 |
Total risk-based capital ratio | 17.7866% | 2,172 |
Memoranda: | ||
Average total assets | $184,960,800 | 3,004 |
Average earning assets | $178,281,600 | 2,941 |
Average equity | $19,555,200 | 3,130 |
Average total loans | $113,878,200 | 3,081 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9792% | 3,987 |
Cost of funding earning assets | 0.3133% | 4,424 |
Net interest margin | 3.6659% | 3,142 |
Noninterest income to average assets | 0.5344% | 2,649 |
Noninterest expense to average assets | 2.4984% | 3,607 |
Loan and lease loss provision to assets | 0.1259% | 1,599 |
Net operating income to assets | 1.4563% | 1,308 |
Return on assets (ROA) | 1.4563% | 1,305 |
Pretax return on assets | 1.4448% | 2,074 |
Return on Equity (ROE) | 13.9780% | 1,132 |
Retained earnings to average equity (ytd only) | 3.6239% | 3,956 |
Net charge-offs to loans | 0.1049% | 1,437 |
Credit loss provision to net charge-offs | 196.6292% | 1,398 |
Earnings coverage of net charge-offs (x) | 24.5401% | 1,810 |
Efficiency ratio | 61.3998% | 3,599 |
Assets per employee ($millions) | 5.3418% | 2,083 |
Cash dividends to net income (ytd only)* | 74.0741% | 724 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3510% | 1,876 |
Loan loss allowance to noncurrent loans | 589.2193% | 934 |
Noncurrent assets plus other real estate owned to assets | 0.1439% | 4,230 |
Noncurrent loans to loans | 0.2293% | 3,885 |
Net loans and leases to total assets | 61.9019% | 3,667 |
Net loans and leases to deposits | 69.4547% | 3,963 |
Net loans and leases to core deposits | 71.9303% | 4,089 |
Total domestic deposits to total assets | 89.1256% | 806 |
Equity capital to assets | 10.5690% | 3,074 |
Core capital (leverage) ratio | 10.8144% | 2,780 |
Tier 1 risk-based capital ratio | 16.2129% | 2,371 |
Total risk-based capital ratio | 17.4630% | 2,316 |
Memoranda: | ||
Average total assets | $185,391,500 | 3,025 |
Average earning assets | $178,759,250 | 2,957 |
Average equity | $19,315,500 | 3,177 |
Average total loans | $113,152,250 | 3,121 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8825% | 4,119 |
Cost of funding earning assets | 0.2659% | 4,663 |
Net interest margin | 3.6166% | 3,249 |
Noninterest income to average assets | 0.5258% | 2,718 |
Noninterest expense to average assets | 2.4958% | 3,644 |
Loan and lease loss provision to assets | 0.1190% | 1,669 |
Net operating income to assets | 1.4161% | 1,375 |
Return on assets (ROA) | 1.4161% | 1,379 |
Pretax return on assets | 1.3988% | 2,150 |
Return on Equity (ROE) | 13.6587% | 1,167 |
Retained earnings to average equity (ytd only) | -1.9930% | 5,148 |
Net charge-offs to loans | 0.1503% | 1,027 |
Credit loss provision to net charge-offs | 130.9524% | 1,715 |
Earnings coverage of net charge-offs (x) | 16.7024% | 1,986 |
Efficiency ratio | 62.1833% | 3,598 |
Assets per employee ($millions) | 5.4891% | 1,887 |
Cash dividends to net income (ytd only)* | 114.5913% | 280 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3280% | 2,040 |
Loan loss allowance to noncurrent loans | 600.3937% | 955 |
Noncurrent assets plus other real estate owned to assets | 0.1575% | 4,202 |
Noncurrent loans to loans | 0.2212% | 3,929 |
Net loans and leases to total assets | 60.7124% | 3,740 |
Net loans and leases to deposits | 67.8676% | 4,027 |
Net loans and leases to core deposits | 69.8447% | 4,153 |
Total domestic deposits to total assets | 89.4572% | 757 |
Equity capital to assets | 10.2899% | 3,347 |
Core capital (leverage) ratio | 10.5021% | 3,028 |
Tier 1 risk-based capital ratio | 15.9450% | 2,457 |
Total risk-based capital ratio | 17.1827% | 2,402 |
Memoranda: | ||
Average total assets | $184,868,000 | 3,050 |
Average earning assets | $178,288,000 | 2,978 |
Average equity | $19,167,330 | 3,205 |
Average total loans | $111,763,670 | 3,147 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7921% | 4,238 |
Cost of funding earning assets | 0.2567% | 4,670 |
Net interest margin | 3.5354% | 3,405 |
Noninterest income to average assets | 0.5326% | 2,619 |
Noninterest expense to average assets | 2.4480% | 3,821 |
Loan and lease loss provision to assets | 0.1087% | 1,719 |
Net operating income to assets | 1.4240% | 1,274 |
Return on assets (ROA) | 1.4240% | 1,280 |
Pretax return on assets | 1.3892% | 2,048 |
Return on Equity (ROE) | 13.6822% | 1,090 |
Retained earnings to average equity (ytd only) | -17.6511% | 5,482 |
Net charge-offs to loans | 0.2649% | 585 |
Credit loss provision to net charge-offs | 68.4932% | 1,841 |
Earnings coverage of net charge-offs (x) | 9.4384% | 1,967 |
Efficiency ratio | 62.0386% | 3,772 |
Assets per employee ($millions) | 5.0791% | 2,389 |
Cash dividends to net income (ytd only)* | 229.0076% | 148 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3258% | 2,118 |
Loan loss allowance to noncurrent loans | 756.9231% | 763 |
Noncurrent assets plus other real estate owned to assets | 0.1250% | 4,458 |
Noncurrent loans to loans | 0.1752% | 4,193 |
Net loans and leases to total assets | 58.4555% | 3,897 |
Net loans and leases to deposits | 65.0356% | 4,152 |
Net loans and leases to core deposits | 66.9350% | 4,259 |
Total domestic deposits to total assets | 89.8822% | 706 |
Equity capital to assets | 9.9012% | 3,699 |
Core capital (leverage) ratio | 10.3603% | 3,105 |
Tier 1 risk-based capital ratio | 15.6864% | 2,598 |
Total risk-based capital ratio | 16.9055% | 2,552 |
Memoranda: | ||
Average total assets | $183,987,500 | 3,093 |
Average earning assets | $177,630,500 | 3,016 |
Average equity | $19,149,000 | 3,236 |
Average total loans | $110,229,500 | 3,184 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7386% | 4,246 |
Cost of funding earning assets | 0.2376% | 4,668 |
Net interest margin | 3.5010% | 3,524 |
Noninterest income to average assets | 0.5068% | 2,957 |
Noninterest expense to average assets | 2.5062% | 3,763 |
Loan and lease loss provision to assets | 0.0306% | 3,664 |
Net operating income to assets | 1.3487% | 1,118 |
Return on assets (ROA) | 1.3487% | 1,140 |
Pretax return on assets | 1.3437% | 2,199 |
Return on Equity (ROE) | 12.9505% | 963 |
Retained earnings to average equity (ytd only) | 8.6817% | 567 |
Net charge-offs to loans | 0.0067% | 3,839 |
Credit loss provision to net charge-offs | 785.7143% | 429 |
Earnings coverage of net charge-offs (x) | 353.2857% | 249 |
Efficiency ratio | 64.5854% | 3,514 |
Assets per employee ($millions) | 4.7381% | 2,815 |
Cash dividends to net income (ytd only)* | 32.9625% | 3,175 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3736% | 1,865 |
Loan loss allowance to noncurrent loans | 2,237.3134% | 339 |
Noncurrent assets plus other real estate owned to assets | 0.0594% | 4,826 |
Noncurrent loans to loans | 0.0614% | 4,715 |
Net loans and leases to total assets | 59.7787% | 3,849 |
Net loans and leases to deposits | 67.3279% | 4,075 |
Net loans and leases to core deposits | 69.3409% | 4,216 |
Total domestic deposits to total assets | 88.7875% | 1,093 |
Equity capital to assets | 10.9365% | 2,694 |
Core capital (leverage) ratio | 10.9055% | 2,422 |
Tier 1 risk-based capital ratio | 16.5631% | 2,242 |
Total risk-based capital ratio | 17.8131% | 2,184 |
Memoranda: | ||
Average total assets | $179,955,200 | 3,115 |
Average earning assets | $173,405,200 | 3,033 |
Average equity | $18,740,600 | 3,269 |
Average total loans | $104,816,800 | 3,267 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7006% | 4,318 |
Cost of funding earning assets | 0.2338% | 4,719 |
Net interest margin | 3.4668% | 3,617 |
Noninterest income to average assets | 0.5098% | 2,969 |
Noninterest expense to average assets | 2.4283% | 3,941 |
Loan and lease loss provision to assets | 0.0185% | 3,773 |
Net operating income to assets | 1.3968% | 1,097 |
Return on assets (ROA) | 1.3968% | 1,118 |
Pretax return on assets | 1.4035% | 2,105 |
Return on Equity (ROE) | 13.5830% | 915 |
Retained earnings to average equity (ytd only) | 7.8184% | 1,294 |
Net charge-offs to loans | 0.0077% | 3,454 |
Credit loss provision to net charge-offs | 416.6667% | 745 |
Earnings coverage of net charge-offs (x) | 319.8250% | 288 |
Efficiency ratio | 63.0677% | 3,699 |
Assets per employee ($millions) | 5.0530% | 2,390 |
Cash dividends to net income (ytd only)* | 42.4403% | 2,158 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3680% | 2,031 |
Loan loss allowance to noncurrent loans | 2,130.4348% | 334 |
Noncurrent assets plus other real estate owned to assets | 0.0599% | 4,934 |
Noncurrent loans to loans | 0.0642% | 4,818 |
Net loans and leases to total assets | 58.2621% | 4,033 |
Net loans and leases to deposits | 65.4384% | 4,288 |
Net loans and leases to core deposits | 67.4198% | 4,391 |
Total domestic deposits to total assets | 89.0335% | 868 |
Equity capital to assets | 10.6476% | 3,219 |
Core capital (leverage) ratio | 10.7553% | 2,699 |
Tier 1 risk-based capital ratio | 16.0458% | 2,482 |
Total risk-based capital ratio | 17.2684% | 2,436 |
Memoranda: | ||
Average total assets | $179,931,750 | 3,138 |
Average earning assets | $173,374,250 | 3,060 |
Average equity | $18,503,000 | 3,329 |
Average total loans | $103,738,500 | 3,317 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6758% | 4,296 |
Cost of funding earning assets | 0.2294% | 4,723 |
Net interest margin | 3.4464% | 3,606 |
Noninterest income to average assets | 0.5132% | 2,944 |
Noninterest expense to average assets | 2.4521% | 3,912 |
Loan and lease loss provision to assets | 0.0279% | 3,441 |
Net operating income to assets | 1.3432% | 1,189 |
Return on assets (ROA) | 1.3432% | 1,212 |
Pretax return on assets | 1.3521% | 2,202 |
Return on Equity (ROE) | 13.2204% | 973 |
Retained earnings to average equity (ytd only) | 4.4361% | 3,074 |
Net charge-offs to loans | -0.0117% | 4,589 |
Credit loss provision to net charge-offs | -416.6667% | 4,628 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.9884% | 3,676 |
Assets per employee ($millions) | 5.0107% | 2,374 |
Cash dividends to net income (ytd only)* | 66.4452% | 1,263 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4335% | 1,798 |
Loan loss allowance to noncurrent loans | 2,555.1724% | 269 |
Noncurrent assets plus other real estate owned to assets | 0.0543% | 5,000 |
Noncurrent loans to loans | 0.0561% | 4,908 |
Net loans and leases to total assets | 56.4905% | 4,170 |
Net loans and leases to deposits | 63.2395% | 4,413 |
Net loans and leases to core deposits | 65.1603% | 4,530 |
Total domestic deposits to total assets | 89.3279% | 800 |
Equity capital to assets | 10.3783% | 3,475 |
Core capital (leverage) ratio | 10.4645% | 2,955 |
Tier 1 risk-based capital ratio | 16.2201% | 2,424 |
Total risk-based capital ratio | 17.4706% | 2,362 |
Memoranda: | ||
Average total assets | $179,272,670 | 3,162 |
Average earning assets | $172,644,000 | 3,077 |
Average equity | $18,214,330 | 3,369 |
Average total loans | $102,500,000 | 3,352 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7125% | 4,077 |
Cost of funding earning assets | 0.2255% | 4,745 |
Net interest margin | 3.4870% | 3,322 |
Noninterest income to average assets | 0.5148% | 2,877 |
Noninterest expense to average assets | 2.3859% | 4,158 |
Loan and lease loss provision to assets | 0.0560% | 2,683 |
Net operating income to assets | 1.4190% | 961 |
Return on assets (ROA) | 1.4190% | 989 |
Pretax return on assets | 1.4302% | 1,765 |
Return on Equity (ROE) | 14.1195% | 783 |
Retained earnings to average equity (ytd only) | -3.6969% | 5,309 |
Net charge-offs to loans | 0.0118% | 2,583 |
Credit loss provision to net charge-offs | 833.3333% | 374 |
Earnings coverage of net charge-offs (x) | 221.3333% | 253 |
Efficiency ratio | 61.6185% | 4,210 |
Assets per employee ($millions) | 5.1621% | 2,226 |
Cash dividends to net income (ytd only)* | 126.1830% | 500 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4371% | 1,916 |
Loan loss allowance to noncurrent loans | 2,301.5625% | 313 |
Noncurrent assets plus other real estate owned to assets | 0.0576% | 5,059 |
Noncurrent loans to loans | 0.0624% | 4,949 |
Net loans and leases to total assets | 55.9173% | 4,179 |
Net loans and leases to deposits | 62.2427% | 4,416 |
Net loans and leases to core deposits | 64.2353% | 4,521 |
Total domestic deposits to total assets | 89.8375% | 731 |
Equity capital to assets | 9.9317% | 3,840 |
Core capital (leverage) ratio | 10.1364% | 3,333 |
Tier 1 risk-based capital ratio | 15.8144% | 2,616 |
Total risk-based capital ratio | 17.0643% | 2,559 |
Memoranda: | ||
Average total assets | $178,716,000 | 3,203 |
Average earning assets | $172,069,500 | 3,108 |
Average equity | $17,961,000 | 3,412 |
Average total loans | $102,058,500 | 3,383 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7183% | 4,159 |
Cost of funding earning assets | 0.2417% | 4,639 |
Net interest margin | 3.4766% | 3,515 |
Noninterest income to average assets | 0.4737% | 3,391 |
Noninterest expense to average assets | 2.5250% | 3,938 |
Loan and lease loss provision to assets | 0.0145% | 4,091 |
Net operating income to assets | 1.2671% | 1,308 |
Return on assets (ROA) | 1.2671% | 1,383 |
Pretax return on assets | 1.2706% | 2,395 |
Return on Equity (ROE) | 12.3548% | 1,158 |
Retained earnings to average equity (ytd only) | 5.5881% | 1,959 |
Net charge-offs to loans | 0.0203% | 3,647 |
Credit loss provision to net charge-offs | 125.0000% | 2,135 |
Earnings coverage of net charge-offs (x) | 111.1000% | 544 |
Efficiency ratio | 66.2720% | 3,550 |
Assets per employee ($millions) | 5.0502% | 2,331 |
Cash dividends to net income (ytd only)* | 54.7695% | 2,046 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4279% | 1,972 |
Loan loss allowance to noncurrent loans | 2,378.6885% | 298 |
Noncurrent assets plus other real estate owned to assets | 0.0571% | 5,106 |
Noncurrent loans to loans | 0.0600% | 5,002 |
Net loans and leases to total assets | 56.6679% | 4,201 |
Net loans and leases to deposits | 63.9836% | 4,415 |
Net loans and leases to core deposits | 66.1107% | 4,520 |
Total domestic deposits to total assets | 88.5663% | 1,343 |
Equity capital to assets | 10.1710% | 3,519 |
Core capital (leverage) ratio | 10.2476% | 3,174 |
Tier 1 risk-based capital ratio | 16.5127% | 2,350 |
Total risk-based capital ratio | 17.7631% | 2,286 |
Memoranda: | ||
Average total assets | $172,909,400 | 3,250 |
Average earning assets | $165,936,000 | 3,161 |
Average equity | $17,734,000 | 3,449 |
Average total loans | $98,574,000 | 3,413 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7141% | 4,206 |
Cost of funding earning assets | 0.2467% | 4,633 |
Net interest margin | 3.4673% | 3,602 |
Noninterest income to average assets | 0.4738% | 3,411 |
Noninterest expense to average assets | 2.4573% | 4,117 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 1.3399% | 1,190 |
Return on assets (ROA) | 1.3399% | 1,265 |
Pretax return on assets | 1.3399% | 2,273 |
Return on Equity (ROE) | 13.0365% | 1,047 |
Retained earnings to average equity (ytd only) | 3.9834% | 3,475 |
Net charge-offs to loans | -0.0409% | 5,295 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.7131% | 3,809 |
Assets per employee ($millions) | 5.2704% | 2,078 |
Cash dividends to net income (ytd only)* | 69.4445% | 1,053 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4735% | 1,869 |
Loan loss allowance to noncurrent loans | 2,306.2500% | 303 |
Noncurrent assets plus other real estate owned to assets | 0.0580% | 5,215 |
Noncurrent loans to loans | 0.0639% | 5,098 |
Net loans and leases to total assets | 55.0789% | 4,394 |
Net loans and leases to deposits | 61.5283% | 4,662 |
Net loans and leases to core deposits | 63.5271% | 4,747 |
Total domestic deposits to total assets | 89.5179% | 662 |
Equity capital to assets | 10.1863% | 3,933 |
Core capital (leverage) ratio | 10.0668% | 3,482 |
Tier 1 risk-based capital ratio | 15.8436% | 2,686 |
Total risk-based capital ratio | 17.0936% | 2,630 |
Memoranda: | ||
Average total assets | $171,947,250 | 3,269 |
Average earning assets | $164,810,000 | 3,188 |
Average equity | $17,673,000 | 3,484 |
Average total loans | $97,813,500 | 3,433 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7395% | 4,159 |
Cost of funding earning assets | 0.2500% | 4,656 |
Net interest margin | 3.4895% | 3,527 |
Noninterest income to average assets | 0.4766% | 3,359 |
Noninterest expense to average assets | 2.4892% | 4,059 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 1.3295% | 1,206 |
Return on assets (ROA) | 1.3295% | 1,291 |
Pretax return on assets | 1.3295% | 2,291 |
Return on Equity (ROE) | 12.8950% | 1,054 |
Retained earnings to average equity (ytd only) | -0.8353% | 5,419 |
Net charge-offs to loans | -0.0433% | 5,310 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.1838% | 3,812 |
Assets per employee ($millions) | 4.8587% | 2,468 |
Cash dividends to net income (ytd only)* | 106.4774% | 442 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5112% | 1,818 |
Loan loss allowance to noncurrent loans | 2,189.5522% | 300 |
Noncurrent assets plus other real estate owned to assets | 0.0612% | 5,310 |
Noncurrent loans to loans | 0.0690% | 5,172 |
Net loans and leases to total assets | 54.6594% | 4,443 |
Net loans and leases to deposits | 61.0155% | 4,731 |
Net loans and leases to core deposits | 62.8394% | 4,825 |
Total domestic deposits to total assets | 89.5829% | 643 |
Equity capital to assets | 10.1696% | 4,003 |
Core capital (leverage) ratio | 9.9714% | 3,597 |
Tier 1 risk-based capital ratio | 15.9261% | 2,676 |
Total risk-based capital ratio | 17.1774% | 2,615 |
Memoranda: | ||
Average total assets | $169,532,330 | 3,310 |
Average earning assets | $162,375,000 | 3,239 |
Average equity | $17,479,670 | 3,519 |
Average total loans | $97,027,000 | 3,462 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7780% | 4,026 |
Cost of funding earning assets | 0.2559% | 4,643 |
Net interest margin | 3.5221% | 3,382 |
Noninterest income to average assets | 0.4675% | 3,354 |
Noninterest expense to average assets | 2.6157% | 3,701 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 1.2179% | 1,499 |
Return on assets (ROA) | 1.2179% | 1,602 |
Pretax return on assets | 1.2179% | 2,628 |
Return on Equity (ROE) | 11.7284% | 1,394 |
Retained earnings to average equity (ytd only) | -15.9765% | 5,918 |
Net charge-offs to loans | -0.0124% | 4,624 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.2301% | 3,424 |
Assets per employee ($millions) | 4.6979% | 2,747 |
Cash dividends to net income (ytd only)* | 236.2205% | 186 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5215% | 1,897 |
Loan loss allowance to noncurrent loans | 1,788.8889% | 355 |
Noncurrent assets plus other real estate owned to assets | 0.0715% | 5,306 |
Noncurrent loans to loans | 0.0851% | 5,137 |
Net loans and leases to total assets | 55.4561% | 4,311 |
Net loans and leases to deposits | 61.8269% | 4,586 |
Net loans and leases to core deposits | 63.6384% | 4,715 |
Total domestic deposits to total assets | 89.6957% | 737 |
Equity capital to assets | 10.0755% | 3,981 |
Core capital (leverage) ratio | 10.0116% | 3,529 |
Tier 1 risk-based capital ratio | 15.9648% | 2,697 |
Total risk-based capital ratio | 17.2159% | 2,641 |
Memoranda: | ||
Average total assets | $166,841,500 | 3,370 |
Average earning assets | $159,451,500 | 3,291 |
Average equity | $17,325,500 | 3,540 |
Average total loans | $97,003,500 | 3,472 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7890% | 4,076 |
Cost of funding earning assets | 0.2662% | 4,633 |
Net interest margin | 3.5228% | 3,443 |
Noninterest income to average assets | 0.4901% | 3,393 |
Noninterest expense to average assets | 2.5451% | 4,086 |
Loan and lease loss provision to assets | 0.0430% | 3,471 |
Net operating income to assets | 1.2787% | 1,325 |
Return on assets (ROA) | 1.2787% | 1,368 |
Pretax return on assets | 1.2830% | 2,342 |
Return on Equity (ROE) | 12.2245% | 1,248 |
Retained earnings to average equity (ytd only) | 2.2429% | 4,441 |
Net charge-offs to loans | 0.1320% | 2,051 |
Credit loss provision to net charge-offs | 55.5556% | 3,322 |
Earnings coverage of net charge-offs (x) | 17.1349% | 2,092 |
Efficiency ratio | 65.7465% | 3,944 |
Assets per employee ($millions) | 4.5711% | 2,922 |
Cash dividends to net income (ytd only)* | 81.6523% | 832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4640% | 2,160 |
Loan loss allowance to noncurrent loans | 1,624.7191% | 392 |
Noncurrent assets plus other real estate owned to assets | 0.0784% | 5,315 |
Noncurrent loans to loans | 0.0901% | 5,133 |
Net loans and leases to total assets | 59.1413% | 3,950 |
Net loans and leases to deposits | 66.4112% | 4,283 |
Net loans and leases to core deposits | 68.2844% | 4,428 |
Total domestic deposits to total assets | 89.0532% | 1,096 |
Equity capital to assets | 10.7019% | 3,136 |
Core capital (leverage) ratio | 10.4406% | 2,997 |
Tier 1 risk-based capital ratio | 16.2475% | 2,585 |
Total risk-based capital ratio | 17.4989% | 2,546 |
Memoranda: | ||
Average total assets | $162,819,800 | 3,395 |
Average earning assets | $156,267,400 | 3,312 |
Average equity | $17,031,400 | 3,526 |
Average total loans | $95,478,000 | 3,466 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7534% | 4,248 |
Cost of funding earning assets | 0.2685% | 4,680 |
Net interest margin | 3.4849% | 3,601 |
Noninterest income to average assets | 0.4926% | 3,421 |
Noninterest expense to average assets | 2.4312% | 4,413 |
Loan and lease loss provision to assets | 0.0575% | 3,036 |
Net operating income to assets | 1.3441% | 1,240 |
Return on assets (ROA) | 1.3441% | 1,282 |
Pretax return on assets | 1.3498% | 2,211 |
Return on Equity (ROE) | 12.9252% | 1,140 |
Retained earnings to average equity (ytd only) | -0.4974% | 5,691 |
Net charge-offs to loans | 0.1662% | 1,488 |
Credit loss provision to net charge-offs | 59.3220% | 2,912 |
Earnings coverage of net charge-offs (x) | 14.5254% | 2,246 |
Efficiency ratio | 63.3369% | 4,358 |
Assets per employee ($millions) | 4.5531% | 2,915 |
Cash dividends to net income (ytd only)* | 103.8486% | 329 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5109% | 2,112 |
Loan loss allowance to noncurrent loans | 4,038.8889% | 190 |
Noncurrent assets plus other real estate owned to assets | 0.0537% | 5,560 |
Noncurrent loans to loans | 0.0374% | 5,468 |
Net loans and leases to total assets | 57.8222% | 4,166 |
Net loans and leases to deposits | 64.8327% | 4,484 |
Net loans and leases to core deposits | 66.9268% | 4,629 |
Total domestic deposits to total assets | 89.1868% | 925 |
Equity capital to assets | 10.5734% | 3,516 |
Core capital (leverage) ratio | 10.1888% | 3,389 |
Tier 1 risk-based capital ratio | 16.1283% | 2,740 |
Total risk-based capital ratio | 17.3794% | 2,690 |
Memoranda: | ||
Average total assets | $162,384,750 | 3,440 |
Average earning assets | $155,908,000 | 3,346 |
Average equity | $16,886,500 | 3,576 |
Average total loans | $94,655,250 | 3,517 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7188% | 4,356 |
Cost of funding earning assets | 0.2689% | 4,733 |
Net interest margin | 3.4499% | 3,709 |
Noninterest income to average assets | 0.5016% | 3,362 |
Noninterest expense to average assets | 2.4117% | 4,509 |
Loan and lease loss provision to assets | 0.0865% | 2,378 |
Net operating income to assets | 1.3072% | 1,303 |
Return on assets (ROA) | 1.3072% | 1,360 |
Pretax return on assets | 1.3158% | 2,309 |
Return on Equity (ROE) | 12.6416% | 1,187 |
Retained earnings to average equity (ytd only) | -7.6710% | 6,116 |
Net charge-offs to loans | 0.2061% | 1,223 |
Credit loss provision to net charge-offs | 72.1649% | 2,432 |
Earnings coverage of net charge-offs (x) | 11.7010% | 2,270 |
Efficiency ratio | 63.2329% | 4,479 |
Assets per employee ($millions) | 4.3464% | 3,219 |
Cash dividends to net income (ytd only)* | 160.6805% | 166 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5445% | 2,094 |
Loan loss allowance to noncurrent loans | 308.5774% | 1,591 |
Noncurrent assets plus other real estate owned to assets | 0.3209% | 4,598 |
Noncurrent loans to loans | 0.5005% | 3,962 |
Net loans and leases to total assets | 56.9277% | 4,232 |
Net loans and leases to deposits | 63.8912% | 4,551 |
Net loans and leases to core deposits | 65.9394% | 4,659 |
Total domestic deposits to total assets | 89.1010% | 1,101 |
Equity capital to assets | 10.0701% | 3,956 |
Core capital (leverage) ratio | 9.7305% | 3,966 |
Tier 1 risk-based capital ratio | 16.0328% | 2,837 |
Total risk-based capital ratio | 17.2844% | 2,793 |
Memoranda: | ||
Average total assets | $161,876,000 | 3,465 |
Average earning assets | $155,424,670 | 3,369 |
Average equity | $16,738,330 | 3,604 |
Average total loans | $94,130,000 | 3,550 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7036% | 4,348 |
Cost of funding earning assets | 0.2686% | 4,808 |
Net interest margin | 3.4349% | 3,691 |
Noninterest income to average assets | 0.5292% | 3,098 |
Noninterest expense to average assets | 2.4290% | 4,516 |
Loan and lease loss provision to assets | 0.0499% | 2,937 |
Net operating income to assets | 1.3206% | 1,207 |
Return on assets (ROA) | 1.3206% | 1,293 |
Pretax return on assets | 1.3381% | 2,126 |
Return on Equity (ROE) | 12.6016% | 1,192 |
Retained earnings to average equity (ytd only) | -27.8951% | 6,331 |
Net charge-offs to loans | 0.0813% | 1,893 |
Credit loss provision to net charge-offs | 105.2632% | 1,553 |
Earnings coverage of net charge-offs (x) | 29.2632% | 1,169 |
Efficiency ratio | 63.6364% | 4,531 |
Assets per employee ($millions) | 4.4629% | 3,114 |
Cash dividends to net income (ytd only)* | 321.3611% | 93 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6071% | 2,027 |
Loan loss allowance to noncurrent loans | 274.7715% | 1,720 |
Noncurrent assets plus other real estate owned to assets | 0.3628% | 4,559 |
Noncurrent loans to loans | 0.5849% | 3,825 |
Net loans and leases to total assets | 55.7256% | 4,232 |
Net loans and leases to deposits | 61.9612% | 4,573 |
Net loans and leases to core deposits | 63.9422% | 4,702 |
Total domestic deposits to total assets | 89.9362% | 772 |
Equity capital to assets | 9.8712% | 4,297 |
Core capital (leverage) ratio | 9.8088% | 3,878 |
Tier 1 risk-based capital ratio | 16.1453% | 2,851 |
Total risk-based capital ratio | 17.3991% | 2,788 |
Memoranda: | ||
Average total assets | $160,233,000 | 3,502 |
Average earning assets | $153,366,000 | 3,413 |
Average equity | $16,791,500 | 3,619 |
Average total loans | $93,446,000 | 3,580 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9651% | 3,853 |
Cost of funding earning assets | 0.2844% | 4,962 |
Net interest margin | 3.6808% | 3,082 |
Noninterest income to average assets | 0.5081% | 3,445 |
Noninterest expense to average assets | 2.5288% | 4,459 |
Loan and lease loss provision to assets | 0.0656% | 3,189 |
Net operating income to assets | 1.4011% | 1,083 |
Return on assets (ROA) | 1.4095% | 1,096 |
Pretax return on assets | 1.4318% | 1,779 |
Return on Equity (ROE) | 12.9723% | 1,148 |
Retained earnings to average equity (ytd only) | 2.7008% | 4,326 |
Net charge-offs to loans | 0.1121% | 2,913 |
Credit loss provision to net charge-offs | 97.0874% | 2,500 |
Earnings coverage of net charge-offs (x) | 22.0194% | 1,641 |
Efficiency ratio | 62.9412% | 4,762 |
Assets per employee ($millions) | 4.3150% | 3,338 |
Cash dividends to net income (ytd only)* | 79.1803% | 929 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6086% | 2,060 |
Loan loss allowance to noncurrent loans | 2,781.4815% | 253 |
Noncurrent assets plus other real estate owned to assets | 0.1024% | 5,623 |
Noncurrent loans to loans | 0.0578% | 5,651 |
Net loans and leases to total assets | 59.1410% | 3,905 |
Net loans and leases to deposits | 66.7400% | 4,240 |
Net loans and leases to core deposits | 68.8462% | 4,419 |
Total domestic deposits to total assets | 88.6139% | 1,464 |
Equity capital to assets | 11.1260% | 2,776 |
Core capital (leverage) ratio | 10.8206% | 2,597 |
Tier 1 risk-based capital ratio | 17.4690% | 2,328 |
Total risk-based capital ratio | 18.7231% | 2,292 |
Memoranda: | ||
Average total assets | $152,323,200 | 3,595 |
Average earning assets | $145,240,600 | 3,519 |
Average equity | $16,550,600 | 3,597 |
Average total loans | $91,916,400 | 3,592 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9889% | 3,803 |
Cost of funding earning assets | 0.2887% | 5,004 |
Net interest margin | 3.7002% | 3,021 |
Noninterest income to average assets | 0.5252% | 3,362 |
Noninterest expense to average assets | 2.3988% | 4,829 |
Loan and lease loss provision to assets | 0.0528% | 3,321 |
Net operating income to assets | 1.5766% | 797 |
Return on assets (ROA) | 1.5878% | 806 |
Pretax return on assets | 1.6133% | 1,289 |
Return on Equity (ROE) | 14.7036% | 877 |
Retained earnings to average equity (ytd only) | 0.8554% | 5,540 |
Net charge-offs to loans | 0.0874% | 2,959 |
Credit loss provision to net charge-offs | 100.0000% | 2,200 |
Earnings coverage of net charge-offs (x) | 31.3493% | 1,330 |
Efficiency ratio | 59.1797% | 5,291 |
Assets per employee ($millions) | 4.3360% | 3,238 |
Cash dividends to net income (ytd only)* | 94.1827% | 439 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6338% | 2,187 |
Loan loss allowance to noncurrent loans | 1,140.1515% | 508 |
Noncurrent assets plus other real estate owned to assets | 0.1212% | 5,687 |
Noncurrent loans to loans | 0.1433% | 5,486 |
Net loans and leases to total assets | 59.7091% | 3,837 |
Net loans and leases to deposits | 67.4126% | 4,193 |
Net loans and leases to core deposits | 69.5976% | 4,363 |
Total domestic deposits to total assets | 88.5727% | 1,464 |
Equity capital to assets | 11.1598% | 2,801 |
Core capital (leverage) ratio | 10.7740% | 2,723 |
Tier 1 risk-based capital ratio | 17.3180% | 2,462 |
Total risk-based capital ratio | 18.5724% | 2,421 |
Memoranda: | ||
Average total assets | $151,569,250 | 3,633 |
Average earning assets | $144,529,750 | 3,563 |
Average equity | $16,367,500 | 3,639 |
Average total loans | $91,552,750 | 3,627 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9809% | 3,810 |
Cost of funding earning assets | 0.2912% | 5,065 |
Net interest margin | 3.6897% | 3,002 |
Noninterest income to average assets | 0.5254% | 3,303 |
Noninterest expense to average assets | 2.4039% | 4,866 |
Loan and lease loss provision to assets | 0.0660% | 2,948 |
Net operating income to assets | 1.5409% | 813 |
Return on assets (ROA) | 1.5577% | 815 |
Pretax return on assets | 1.5854% | 1,289 |
Return on Equity (ROE) | 14.5877% | 860 |
Retained earnings to average equity (ytd only) | -6.4285% | 6,320 |
Net charge-offs to loans | 0.1029% | 2,651 |
Credit loss provision to net charge-offs | 106.3830% | 1,877 |
Earnings coverage of net charge-offs (x) | 26.3404% | 1,377 |
Efficiency ratio | 59.5293% | 5,358 |
Assets per employee ($millions) | 4.2455% | 3,377 |
Cash dividends to net income (ytd only)* | 144.0678% | 241 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5904% | 2,497 |
Loan loss allowance to noncurrent loans | 603.2000% | 782 |
Noncurrent assets plus other real estate owned to assets | 0.2467% | 5,354 |
Noncurrent loans to loans | 0.2637% | 5,232 |
Net loans and leases to total assets | 61.0529% | 3,555 |
Net loans and leases to deposits | 68.5755% | 3,985 |
Net loans and leases to core deposits | 70.7794% | 4,179 |
Total domestic deposits to total assets | 89.0302% | 1,335 |
Equity capital to assets | 10.7212% | 3,175 |
Core capital (leverage) ratio | 10.5148% | 2,930 |
Tier 1 risk-based capital ratio | 16.2780% | 2,937 |
Total risk-based capital ratio | 17.5313% | 2,888 |
Memoranda: | ||
Average total assets | $151,506,000 | 3,657 |
Average earning assets | $144,239,670 | 3,593 |
Average equity | $16,178,000 | 3,664 |
Average total loans | $91,364,000 | 3,658 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9919% | 3,721 |
Cost of funding earning assets | 0.2957% | 5,109 |
Net interest margin | 3.6962% | 2,877 |
Noninterest income to average assets | 0.5516% | 3,039 |
Noninterest expense to average assets | 2.4291% | 4,848 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 1.6097% | 657 |
Return on assets (ROA) | 1.6097% | 684 |
Pretax return on assets | 1.6362% | 1,097 |
Return on Equity (ROE) | 15.1051% | 762 |
Retained earnings to average equity (ytd only) | -27.1992% | 6,605 |
Net charge-offs to loans | -0.0357% | 5,661 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.7521% | 5,434 |
Assets per employee ($millions) | 4.2096% | 3,508 |
Cash dividends to net income (ytd only)* | 280.0659% | 138 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6783% | 2,423 |
Loan loss allowance to noncurrent loans | 1,230.0813% | 434 |
Noncurrent assets plus other real estate owned to assets | 0.1702% | 5,725 |
Noncurrent loans to loans | 0.1364% | 5,697 |
Net loans and leases to total assets | 58.4889% | 3,765 |
Net loans and leases to deposits | 65.3728% | 4,160 |
Net loans and leases to core deposits | 67.4903% | 4,359 |
Total domestic deposits to total assets | 89.4698% | 1,382 |
Equity capital to assets | 10.3184% | 3,438 |
Core capital (leverage) ratio | 10.1714% | 3,321 |
Tier 1 risk-based capital ratio | 16.3238% | 2,995 |
Total risk-based capital ratio | 17.5788% | 2,956 |
Memoranda: | ||
Average total assets | $150,840,000 | 3,693 |
Average earning assets | $143,389,500 | 3,630 |
Average equity | $16,074,000 | 3,685 |
Average total loans | $89,636,000 | 3,704 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9302% | 4,353 |
Cost of funding earning assets | 0.3262% | 5,366 |
Net interest margin | 3.6040% | 3,450 |
Noninterest income to average assets | 0.5374% | 3,499 |
Noninterest expense to average assets | 2.4820% | 4,825 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 1.4762% | 865 |
Return on assets (ROA) | 1.4762% | 914 |
Pretax return on assets | 1.4863% | 1,491 |
Return on Equity (ROE) | 13.5649% | 1,047 |
Retained earnings to average equity (ytd only) | 4.3412% | 3,089 |
Net charge-offs to loans | 0.0523% | 4,493 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 48.2826% | 819 |
Efficiency ratio | 62.5464% | 5,118 |
Assets per employee ($millions) | 4.0577% | 3,749 |
Cash dividends to net income (ytd only)* | 67.9964% | 1,398 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6887% | 2,436 |
Loan loss allowance to noncurrent loans | 515.4110% | 943 |
Noncurrent assets plus other real estate owned to assets | 0.2844% | 5,403 |
Noncurrent loans to loans | 0.3276% | 5,198 |
Net loans and leases to total assets | 58.3588% | 3,971 |
Net loans and leases to deposits | 65.7598% | 4,325 |
Net loans and leases to core deposits | 67.7736% | 4,539 |
Total domestic deposits to total assets | 88.7455% | 1,781 |
Equity capital to assets | 10.9974% | 2,615 |
Core capital (leverage) ratio | 10.8979% | 2,477 |
Tier 1 risk-based capital ratio | 17.5809% | 2,381 |
Total risk-based capital ratio | 18.8350% | 2,360 |
Memoranda: | ||
Average total assets | $149,434,600 | 3,715 |
Average earning assets | $142,258,200 | 3,629 |
Average equity | $16,262,600 | 3,661 |
Average total loans | $87,895,600 | 3,736 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9171% | 4,438 |
Cost of funding earning assets | 0.3311% | 5,459 |
Net interest margin | 3.5860% | 3,509 |
Noninterest income to average assets | 0.5476% | 3,479 |
Noninterest expense to average assets | 2.3377% | 5,221 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 1.6115% | 733 |
Return on assets (ROA) | 1.6115% | 777 |
Pretax return on assets | 1.6249% | 1,280 |
Return on Equity (ROE) | 14.8469% | 827 |
Retained earnings to average equity (ytd only) | 2.5019% | 4,819 |
Net charge-offs to loans | 0.0335% | 4,461 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 82.6891% | 572 |
Efficiency ratio | 58.9946% | 5,556 |
Assets per employee ($millions) | 4.1299% | 3,582 |
Cash dividends to net income (ytd only)* | 83.1487% | 702 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7237% | 2,545 |
Loan loss allowance to noncurrent loans | 386.1111% | 1,114 |
Noncurrent assets plus other real estate owned to assets | 0.4056% | 5,205 |
Noncurrent loans to loans | 0.4464% | 5,086 |
Net loans and leases to total assets | 58.6339% | 3,905 |
Net loans and leases to deposits | 66.0870% | 4,300 |
Net loans and leases to core deposits | 68.1026% | 4,516 |
Total domestic deposits to total assets | 88.7224% | 1,710 |
Equity capital to assets | 10.9776% | 2,776 |
Core capital (leverage) ratio | 10.7454% | 2,727 |
Tier 1 risk-based capital ratio | 17.2815% | 2,591 |
Total risk-based capital ratio | 18.5366% | 2,559 |
Memoranda: | ||
Average total assets | $149,259,500 | 3,760 |
Average earning assets | $142,142,750 | 3,668 |
Average equity | $16,200,500 | 3,710 |
Average total loans | $87,589,000 | 3,771 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8733% | 4,577 |
Cost of funding earning assets | 0.3331% | 5,538 |
Net interest margin | 3.5403% | 3,607 |
Noninterest income to average assets | 0.5500% | 3,502 |
Noninterest expense to average assets | 2.3071% | 5,362 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.5965% | 751 |
Return on assets (ROA) | 1.5965% | 824 |
Pretax return on assets | 1.6139% | 1,326 |
Return on Equity (ROE) | 14.7645% | 853 |
Retained earnings to average equity (ytd only) | -3.7994% | 6,376 |
Net charge-offs to loans | 0.0275% | 4,312 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 100.5000% | 459 |
Efficiency ratio | 58.8396% | 5,620 |
Assets per employee ($millions) | 4.2699% | 3,226 |
Cash dividends to net income (ytd only)* | 125.7334% | 312 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7487% | 2,599 |
Loan loss allowance to noncurrent loans | 672.0524% | 667 |
Noncurrent assets plus other real estate owned to assets | 0.2917% | 5,598 |
Noncurrent loans to loans | 0.2602% | 5,659 |
Net loans and leases to total assets | 57.8583% | 4,013 |
Net loans and leases to deposits | 64.7846% | 4,404 |
Net loans and leases to core deposits | 66.7310% | 4,623 |
Total domestic deposits to total assets | 89.3087% | 1,442 |
Equity capital to assets | 10.4304% | 3,389 |
Core capital (leverage) ratio | 10.1904% | 3,249 |
Tier 1 risk-based capital ratio | 16.6643% | 2,855 |
Total risk-based capital ratio | 17.9196% | 2,826 |
Memoranda: | ||
Average total assets | $149,454,330 | 3,784 |
Average earning assets | $142,306,000 | 3,684 |
Average equity | $16,160,330 | 3,744 |
Average total loans | $87,217,670 | 3,786 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8546% | 4,635 |
Cost of funding earning assets | 0.3409% | 5,631 |
Net interest margin | 3.5137% | 3,640 |
Noninterest income to average assets | 0.5674% | 3,328 |
Noninterest expense to average assets | 2.2936% | 5,443 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.5924% | 717 |
Return on assets (ROA) | 1.5924% | 778 |
Pretax return on assets | 1.6112% | 1,284 |
Return on Equity (ROE) | 14.4712% | 869 |
Retained earnings to average equity (ytd only) | -22.0108% | 6,854 |
Net charge-offs to loans | 0.0369% | 3,508 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 75.2500% | 489 |
Efficiency ratio | 58.7389% | 5,750 |
Assets per employee ($millions) | 4.4679% | 3,032 |
Cash dividends to net income (ytd only)* | 252.1008% | 131 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7826% | 2,683 |
Loan loss allowance to noncurrent loans | 662.2318% | 676 |
Noncurrent assets plus other real estate owned to assets | 0.2896% | 5,704 |
Noncurrent loans to loans | 0.2692% | 5,735 |
Net loans and leases to total assets | 55.9641% | 4,081 |
Net loans and leases to deposits | 62.6933% | 4,454 |
Net loans and leases to core deposits | 64.6352% | 4,685 |
Total domestic deposits to total assets | 89.2665% | 1,512 |
Equity capital to assets | 10.4906% | 3,549 |
Core capital (leverage) ratio | 9.9158% | 3,509 |
Tier 1 risk-based capital ratio | 16.1886% | 3,163 |
Total risk-based capital ratio | 17.4445% | 3,108 |
Memoranda: | ||
Average total assets | $149,457,500 | 3,820 |
Average earning assets | $141,959,500 | 3,733 |
Average equity | $16,446,500 | 3,745 |
Average total loans | $86,823,000 | 3,818 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2110% | 4,547 |
Cost of funding earning assets | 0.4073% | 5,868 |
Net interest margin | 3.8037% | 3,209 |
Noninterest income to average assets | 0.6049% | 3,253 |
Noninterest expense to average assets | 2.6900% | 4,432 |
Loan and lease loss provision to assets | 0.0491% | 5,205 |
Net operating income to assets | 1.4431% | 1,018 |
Return on assets (ROA) | 1.4431% | 1,142 |
Pretax return on assets | 1.4852% | 1,728 |
Return on Equity (ROE) | 12.8165% | 1,279 |
Retained earnings to average equity (ytd only) | 6.5919% | 1,770 |
Net charge-offs to loans | 0.1214% | 4,475 |
Credit loss provision to net charge-offs | 67.3077% | 4,237 |
Earnings coverage of net charge-offs (x) | 21.0481% | 1,317 |
Efficiency ratio | 63.6801% | 4,945 |
Assets per employee ($millions) | 4.0835% | 3,782 |
Cash dividends to net income (ytd only)* | 48.5673% | 2,391 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7809% | 2,651 |
Loan loss allowance to noncurrent loans | 779.3970% | 562 |
Noncurrent assets plus other real estate owned to assets | 0.2803% | 5,850 |
Noncurrent loans to loans | 0.2285% | 5,909 |
Net loans and leases to total assets | 58.1863% | 3,944 |
Net loans and leases to deposits | 66.0005% | 4,283 |
Net loans and leases to core deposits | 67.8711% | 4,548 |
Total domestic deposits to total assets | 88.1604% | 2,126 |
Equity capital to assets | 11.5348% | 2,410 |
Core capital (leverage) ratio | 10.8761% | 2,365 |
Tier 1 risk-based capital ratio | 17.2121% | 2,553 |
Total risk-based capital ratio | 18.4680% | 2,530 |
Memoranda: | ||
Average total assets | $142,678,800 | 3,902 |
Average earning assets | $135,762,600 | 3,798 |
Average equity | $16,065,200 | 3,759 |
Average total loans | $85,647,400 | 3,861 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2077% | 4,799 |
Cost of funding earning assets | 0.4162% | 6,014 |
Net interest margin | 3.7915% | 3,371 |
Noninterest income to average assets | 0.6168% | 3,177 |
Noninterest expense to average assets | 2.6017% | 4,733 |
Loan and lease loss provision to assets | 0.0659% | 4,877 |
Net operating income to assets | 1.5264% | 977 |
Return on assets (ROA) | 1.5264% | 1,083 |
Pretax return on assets | 1.5687% | 1,676 |
Return on Equity (ROE) | 13.6425% | 1,187 |
Retained earnings to average equity (ytd only) | 5.2264% | 3,207 |
Net charge-offs to loans | 0.1438% | 3,963 |
Credit loss provision to net charge-offs | 76.0870% | 3,734 |
Earnings coverage of net charge-offs (x) | 18.8701% | 1,527 |
Efficiency ratio | 61.4136% | 5,241 |
Assets per employee ($millions) | 3.9277% | 4,019 |
Cash dividends to net income (ytd only)* | 61.6903% | 1,216 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7545% | 2,953 |
Loan loss allowance to noncurrent loans | 562.2302% | 684 |
Noncurrent assets plus other real estate owned to assets | 0.3366% | 5,852 |
Noncurrent loans to loans | 0.3121% | 5,858 |
Net loans and leases to total assets | 61.8962% | 3,399 |
Net loans and leases to deposits | 70.3492% | 3,848 |
Net loans and leases to core deposits | 72.4551% | 4,197 |
Total domestic deposits to total assets | 87.9843% | 2,053 |
Equity capital to assets | 11.7392% | 2,492 |
Core capital (leverage) ratio | 10.7073% | 2,692 |
Tier 1 risk-based capital ratio | 16.5851% | 2,950 |
Total risk-based capital ratio | 17.8412% | 2,921 |
Memoranda: | ||
Average total assets | $141,596,750 | 3,962 |
Average earning assets | $135,177,500 | 3,848 |
Average equity | $15,842,250 | 3,840 |
Average total loans | $85,287,000 | 3,909 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1647% | 5,069 |
Cost of funding earning assets | 0.4230% | 6,141 |
Net interest margin | 3.7417% | 3,632 |
Noninterest income to average assets | 0.6240% | 3,103 |
Noninterest expense to average assets | 2.6316% | 4,678 |
Loan and lease loss provision to assets | 0.0282% | 5,316 |
Net operating income to assets | 1.4937% | 1,004 |
Return on assets (ROA) | 1.4937% | 1,122 |
Pretax return on assets | 1.5360% | 1,762 |
Return on Equity (ROE) | 13.5728% | 1,211 |
Retained earnings to average equity (ytd only) | 0.7441% | 5,765 |
Net charge-offs to loans | 0.0976% | 4,188 |
Credit loss provision to net charge-offs | 48.7805% | 4,065 |
Earnings coverage of net charge-offs (x) | 27.0244% | 1,144 |
Efficiency ratio | 62.7187% | 5,129 |
Assets per employee ($millions) | 3.8343% | 4,235 |
Cash dividends to net income (ytd only)* | 94.5180% | 522 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7528% | 3,012 |
Loan loss allowance to noncurrent loans | 552.6502% | 659 |
Noncurrent assets plus other real estate owned to assets | 0.3517% | 5,893 |
Noncurrent loans to loans | 0.3172% | 5,920 |
Net loans and leases to total assets | 61.7919% | 3,479 |
Net loans and leases to deposits | 69.7887% | 3,931 |
Net loans and leases to core deposits | 71.7050% | 4,327 |
Total domestic deposits to total assets | 88.5415% | 1,794 |
Equity capital to assets | 11.2379% | 2,853 |
Core capital (leverage) ratio | 10.4112% | 2,910 |
Tier 1 risk-based capital ratio | 15.8975% | 3,210 |
Total risk-based capital ratio | 17.1532% | 3,182 |
Memoranda: | ||
Average total assets | $141,663,000 | 3,979 |
Average earning assets | $135,233,330 | 3,862 |
Average equity | $15,590,000 | 3,869 |
Average total loans | $84,021,670 | 3,977 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1749% | 5,195 |
Cost of funding earning assets | 0.4270% | 6,274 |
Net interest margin | 3.7479% | 3,606 |
Noninterest income to average assets | 0.6386% | 3,000 |
Noninterest expense to average assets | 2.6109% | 4,779 |
Loan and lease loss provision to assets | 0.0565% | 4,699 |
Net operating income to assets | 1.5004% | 1,017 |
Return on assets (ROA) | 1.5004% | 1,140 |
Pretax return on assets | 1.5428% | 1,765 |
Return on Equity (ROE) | 13.7801% | 1,231 |
Retained earnings to average equity (ytd only) | -12.1711% | 6,905 |
Net charge-offs to loans | -0.0098% | 5,938 |
Credit loss provision to net charge-offs | -1,000.0000% | 5,917 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.0134% | 5,270 |
Assets per employee ($millions) | 4.0905% | 3,823 |
Cash dividends to net income (ytd only)* | 188.3239% | 186 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9751% | 2,434 |
Loan loss allowance to noncurrent loans | 508.5443% | 674 |
Noncurrent assets plus other real estate owned to assets | 0.3877% | 5,903 |
Noncurrent loans to loans | 0.3884% | 5,900 |
Net loans and leases to total assets | 55.7098% | 4,438 |
Net loans and leases to deposits | 62.4407% | 4,855 |
Net loans and leases to core deposits | 63.9773% | 5,117 |
Total domestic deposits to total assets | 89.2203% | 1,540 |
Equity capital to assets | 10.5855% | 3,390 |
Core capital (leverage) ratio | 10.1956% | 3,111 |
Tier 1 risk-based capital ratio | 16.3531% | 2,987 |
Total risk-based capital ratio | 17.6109% | 2,938 |
Memoranda: | ||
Average total assets | $141,560,500 | 4,007 |
Average earning assets | $134,902,000 | 3,904 |
Average equity | $15,413,500 | 3,910 |
Average total loans | $81,419,000 | 4,079 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6152% | 4,610 |
Cost of funding earning assets | 0.5521% | 6,330 |
Net interest margin | 4.0631% | 2,591 |
Noninterest income to average assets | 0.6976% | 2,611 |
Noninterest expense to average assets | 3.0551% | 3,374 |
Loan and lease loss provision to assets | 0.1819% | 4,371 |
Net operating income to assets | 1.2646% | 1,337 |
Return on assets (ROA) | 1.2646% | 1,439 |
Pretax return on assets | 1.3152% | 2,071 |
Return on Equity (ROE) | 11.9079% | 1,429 |
Retained earnings to average equity (ytd only) | 8.4543% | 938 |
Net charge-offs to loans | 0.3274% | 3,755 |
Credit loss provision to net charge-offs | 91.5129% | 3,943 |
Earnings coverage of net charge-offs (x) | 7.5314% | 2,326 |
Efficiency ratio | 67.1125% | 4,552 |
Assets per employee ($millions) | 3.8876% | 4,111 |
Cash dividends to net income (ytd only)* | 29.0023% | 3,161 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9454% | 2,428 |
Loan loss allowance to noncurrent loans | 2,058.4416% | 224 |
Noncurrent assets plus other real estate owned to assets | 0.2258% | 6,395 |
Noncurrent loans to loans | 0.0945% | 6,575 |
Net loans and leases to total assets | 57.0816% | 4,531 |
Net loans and leases to deposits | 64.4757% | 4,945 |
Net loans and leases to core deposits | 66.1122% | 5,241 |
Total domestic deposits to total assets | 88.5319% | 1,836 |
Equity capital to assets | 11.1980% | 2,797 |
Core capital (leverage) ratio | 10.4490% | 2,791 |
Tier 1 risk-based capital ratio | 16.7722% | 2,704 |
Total risk-based capital ratio | 18.0289% | 2,665 |
Memoranda: | ||
Average total assets | $136,328,400 | 4,045 |
Average earning assets | $129,334,600 | 3,949 |
Average equity | $14,477,800 | 4,014 |
Average total loans | $82,780,200 | 4,057 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6829% | 4,537 |
Cost of funding earning assets | 0.5833% | 6,363 |
Net interest margin | 4.0996% | 2,479 |
Noninterest income to average assets | 0.7089% | 2,552 |
Noninterest expense to average assets | 3.0816% | 3,230 |
Loan and lease loss provision to assets | 0.1802% | 4,227 |
Net operating income to assets | 1.2829% | 1,426 |
Return on assets (ROA) | 1.2829% | 1,524 |
Pretax return on assets | 1.3360% | 2,166 |
Return on Equity (ROE) | 12.2523% | 1,476 |
Retained earnings to average equity (ytd only) | 7.5508% | 1,689 |
Net charge-offs to loans | 0.3353% | 3,415 |
Credit loss provision to net charge-offs | 87.5598% | 3,869 |
Earnings coverage of net charge-offs (x) | 7.3684% | 2,370 |
Efficiency ratio | 67.0236% | 4,517 |
Assets per employee ($millions) | 3.8522% | 4,188 |
Cash dividends to net income (ytd only)* | 38.3730% | 2,102 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9306% | 2,534 |
Loan loss allowance to noncurrent loans | 1,154.7445% | 320 |
Noncurrent assets plus other real estate owned to assets | 0.3360% | 6,231 |
Noncurrent loans to loans | 0.1672% | 6,531 |
Net loans and leases to total assets | 57.9479% | 4,525 |
Net loans and leases to deposits | 65.3682% | 5,000 |
Net loans and leases to core deposits | 67.1954% | 5,282 |
Total domestic deposits to total assets | 88.6485% | 1,659 |
Equity capital to assets | 11.0277% | 3,118 |
Core capital (leverage) ratio | 10.3430% | 3,045 |
Tier 1 risk-based capital ratio | 16.2297% | 3,003 |
Total risk-based capital ratio | 17.4844% | 2,963 |
Memoranda: | ||
Average total assets | $135,422,000 | 4,088 |
Average earning assets | $128,463,750 | 3,981 |
Average equity | $14,179,250 | 4,093 |
Average total loans | $83,107,000 | 4,086 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7332% | 4,378 |
Cost of funding earning assets | 0.6115% | 6,402 |
Net interest margin | 4.1217% | 2,336 |
Noninterest income to average assets | 0.7161% | 2,454 |
Noninterest expense to average assets | 3.1131% | 3,204 |
Loan and lease loss provision to assets | 0.2352% | 3,560 |
Net operating income to assets | 1.2134% | 1,532 |
Return on assets (ROA) | 1.2134% | 1,614 |
Pretax return on assets | 1.2714% | 2,236 |
Return on Equity (ROE) | 11.8048% | 1,553 |
Retained earnings to average equity (ytd only) | 4.5626% | 3,285 |
Net charge-offs to loans | 0.3785% | 3,038 |
Credit loss provision to net charge-offs | 100.0000% | 3,113 |
Earnings coverage of net charge-offs (x) | 6.4051% | 2,398 |
Efficiency ratio | 67.3864% | 4,628 |
Assets per employee ($millions) | 3.6564% | 4,547 |
Cash dividends to net income (ytd only)* | 61.3497% | 1,308 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9298% | 2,577 |
Loan loss allowance to noncurrent loans | 418.7500% | 775 |
Noncurrent assets plus other real estate owned to assets | 0.7806% | 5,331 |
Noncurrent loans to loans | 0.4609% | 5,989 |
Net loans and leases to total assets | 60.4020% | 4,200 |
Net loans and leases to deposits | 67.9574% | 4,713 |
Net loans and leases to core deposits | 69.8947% | 5,088 |
Total domestic deposits to total assets | 88.8822% | 1,609 |
Equity capital to assets | 10.5923% | 3,386 |
Core capital (leverage) ratio | 10.2104% | 3,020 |
Tier 1 risk-based capital ratio | 15.6163% | 3,175 |
Total risk-based capital ratio | 16.8735% | 3,131 |
Memoranda: | ||
Average total assets | $134,336,670 | 4,137 |
Average earning assets | $127,228,000 | 4,039 |
Average equity | $13,808,000 | 4,156 |
Average total loans | $83,495,000 | 4,109 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7616% | 4,249 |
Cost of funding earning assets | 0.6477% | 6,390 |
Net interest margin | 4.1138% | 2,217 |
Noninterest income to average assets | 0.7470% | 2,270 |
Noninterest expense to average assets | 2.7999% | 4,442 |
Loan and lease loss provision to assets | 0.2988% | 2,767 |
Net operating income to assets | 1.4582% | 969 |
Return on assets (ROA) | 1.4582% | 1,005 |
Pretax return on assets | 1.5389% | 1,326 |
Return on Equity (ROE) | 14.4091% | 918 |
Retained earnings to average equity (ytd only) | -0.3543% | 5,855 |
Net charge-offs to loans | 0.1244% | 3,778 |
Credit loss provision to net charge-offs | 384.6154% | 860 |
Earnings coverage of net charge-offs (x) | 23.6538% | 1,009 |
Efficiency ratio | 60.3737% | 5,932 |
Assets per employee ($millions) | 3.7685% | 4,372 |
Cash dividends to net income (ytd only)* | 102.4590% | 575 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0307% | 2,328 |
Loan loss allowance to noncurrent loans | 159.1296% | 1,836 |
Noncurrent assets plus other real estate owned to assets | 1.4978% | 4,004 |
Noncurrent loans to loans | 1.2761% | 4,566 |
Net loans and leases to total assets | 59.8126% | 4,307 |
Net loans and leases to deposits | 66.7550% | 4,869 |
Net loans and leases to core deposits | 68.6323% | 5,212 |
Total domestic deposits to total assets | 89.6003% | 1,429 |
Equity capital to assets | 10.0046% | 3,765 |
Core capital (leverage) ratio | 9.9831% | 3,160 |
Tier 1 risk-based capital ratio | 15.1789% | 3,329 |
Total risk-based capital ratio | 16.4366% | 3,280 |
Memoranda: | ||
Average total assets | $133,861,500 | 4,175 |
Average earning assets | $126,597,000 | 4,094 |
Average equity | $13,547,000 | 4,207 |
Average total loans | $83,580,500 | 4,143 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9753% | 4,673 |
Cost of funding earning assets | 0.8825% | 6,230 |
Net interest margin | 4.0927% | 2,599 |
Noninterest income to average assets | 0.7243% | 2,684 |
Noninterest expense to average assets | 3.0414% | 3,688 |
Loan and lease loss provision to assets | 0.6173% | 2,669 |
Net operating income to assets | 0.8807% | 2,464 |
Return on assets (ROA) | 0.8844% | 2,584 |
Pretax return on assets | 0.9068% | 3,258 |
Return on Equity (ROE) | 8.7945% | 2,378 |
Retained earnings to average equity (ytd only) | 5.2975% | 2,247 |
Net charge-offs to loans | 1.0019% | 2,190 |
Credit loss provision to net charge-offs | 96.3785% | 4,819 |
Earnings coverage of net charge-offs (x) | 2.3738% | 3,953 |
Efficiency ratio | 66.6721% | 4,826 |
Assets per employee ($millions) | 3.6682% | 4,527 |
Cash dividends to net income (ytd only)* | 39.7631% | 2,625 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9067% | 2,546 |
Loan loss allowance to noncurrent loans | 138.0258% | 2,145 |
Noncurrent assets plus other real estate owned to assets | 1.5925% | 3,918 |
Noncurrent loans to loans | 1.3814% | 4,412 |
Net loans and leases to total assets | 62.6439% | 4,139 |
Net loans and leases to deposits | 70.2077% | 4,793 |
Net loans and leases to core deposits | 72.2445% | 5,183 |
Total domestic deposits to total assets | 89.2265% | 1,526 |
Equity capital to assets | 10.2388% | 3,453 |
Core capital (leverage) ratio | 9.9275% | 3,166 |
Tier 1 risk-based capital ratio | 15.0690% | 3,201 |
Total risk-based capital ratio | 16.3257% | 3,147 |
Memoranda: | ||
Average total assets | $133,655,200 | 4,188 |
Average earning assets | $125,320,000 | 4,123 |
Average equity | $13,440,200 | 4,271 |
Average total loans | $85,438,800 | 4,170 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9712% | 4,941 |
Cost of funding earning assets | 0.9307% | 6,272 |
Net interest margin | 4.0405% | 2,905 |
Noninterest income to average assets | 0.7400% | 2,580 |
Noninterest expense to average assets | 2.9838% | 3,805 |
Loan and lease loss provision to assets | 0.6216% | 2,448 |
Net operating income to assets | 0.8952% | 2,632 |
Return on assets (ROA) | 0.9001% | 2,759 |
Pretax return on assets | 0.9220% | 3,482 |
Return on Equity (ROE) | 8.9914% | 2,493 |
Retained earnings to average equity (ytd only) | 4.3218% | 3,458 |
Net charge-offs to loans | 1.0095% | 1,993 |
Credit loss provision to net charge-offs | 96.3020% | 4,505 |
Earnings coverage of net charge-offs (x) | 2.3837% | 3,982 |
Efficiency ratio | 65.9776% | 4,861 |
Assets per employee ($millions) | 3.6590% | 4,594 |
Cash dividends to net income (ytd only)* | 51.9335% | 1,557 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9397% | 2,380 |
Loan loss allowance to noncurrent loans | 89.8220% | 3,056 |
Noncurrent assets plus other real estate owned to assets | 2.1241% | 3,300 |
Noncurrent loans to loans | 2.1595% | 3,497 |
Net loans and leases to total assets | 61.9819% | 4,533 |
Net loans and leases to deposits | 69.8621% | 5,168 |
Net loans and leases to core deposits | 71.7292% | 5,544 |
Total domestic deposits to total assets | 88.7204% | 1,550 |
Equity capital to assets | 10.6571% | 3,340 |
Core capital (leverage) ratio | 9.8624% | 3,414 |
Tier 1 risk-based capital ratio | 14.9544% | 3,273 |
Total risk-based capital ratio | 16.2119% | 3,256 |
Memoranda: | ||
Average total assets | $134,055,000 | 4,230 |
Average earning assets | $125,494,000 | 4,171 |
Average equity | $13,420,000 | 4,344 |
Average total loans | $85,715,250 | 4,237 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9293% | 5,273 |
Cost of funding earning assets | 0.9900% | 6,195 |
Net interest margin | 3.9393% | 3,283 |
Noninterest income to average assets | 0.7580% | 2,337 |
Noninterest expense to average assets | 2.8851% | 4,132 |
Loan and lease loss provision to assets | 0.8010% | 1,803 |
Net operating income to assets | 0.7285% | 3,275 |
Return on assets (ROA) | 0.7357% | 3,405 |
Pretax return on assets | 0.7565% | 4,041 |
Return on Equity (ROE) | 7.5072% | 3,113 |
Retained earnings to average equity (ytd only) | 3.5720% | 3,826 |
Net charge-offs to loans | 1.3151% | 1,443 |
Credit loss provision to net charge-offs | 94.9033% | 4,263 |
Earnings coverage of net charge-offs (x) | 1.8366% | 4,145 |
Efficiency ratio | 65.0502% | 5,141 |
Assets per employee ($millions) | 3.6142% | 4,668 |
Cash dividends to net income (ytd only)* | 52.4194% | 1,572 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8901% | 2,440 |
Loan loss allowance to noncurrent loans | 78.9216% | 3,440 |
Noncurrent assets plus other real estate owned to assets | 2.3660% | 3,046 |
Noncurrent loans to loans | 2.3949% | 3,264 |
Net loans and leases to total assets | 62.4930% | 4,582 |
Net loans and leases to deposits | 69.8034% | 5,310 |
Net loans and leases to core deposits | 71.4640% | 5,728 |
Total domestic deposits to total assets | 89.5272% | 1,164 |
Equity capital to assets | 10.1595% | 3,823 |
Core capital (leverage) ratio | 9.7198% | 3,511 |
Tier 1 risk-based capital ratio | 14.3882% | 3,499 |
Total risk-based capital ratio | 15.6448% | 3,466 |
Memoranda: | ||
Average total assets | $134,832,000 | 4,244 |
Average earning assets | $125,860,000 | 4,187 |
Average equity | $13,214,000 | 4,392 |
Average total loans | $86,533,670 | 4,238 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9021% | 5,453 |
Cost of funding earning assets | 1.0936% | 5,941 |
Net interest margin | 3.8085% | 3,765 |
Noninterest income to average assets | 0.7593% | 2,241 |
Noninterest expense to average assets | 2.9575% | 3,827 |
Loan and lease loss provision to assets | 1.4773% | 793 |
Net operating income to assets | -0.1330% | 6,461 |
Return on assets (ROA) | -0.1182% | 6,528 |
Pretax return on assets | -0.1005% | 6,470 |
Return on Equity (ROE) | -1.2281% | 6,551 |
Retained earnings to average equity (ytd only) | -9.2109% | 6,911 |
Net charge-offs to loans | 2.4492% | 674 |
Credit loss provision to net charge-offs | 93.6330% | 3,577 |
Earnings coverage of net charge-offs (x) | 0.8633% | 4,273 |
Efficiency ratio | 68.4679% | 4,634 |
Assets per employee ($millions) | 3.6059% | 4,803 |
Cash dividends to net income (ytd only)* | -650.0000% | 7,918 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8630% | 2,542 |
Loan loss allowance to noncurrent loans | 74.2025% | 3,659 |
Noncurrent assets plus other real estate owned to assets | 2.4637% | 2,946 |
Noncurrent loans to loans | 2.5106% | 3,165 |
Net loans and leases to total assets | 63.3703% | 4,456 |
Net loans and leases to deposits | 70.4050% | 5,281 |
Net loans and leases to core deposits | 71.9717% | 5,714 |
Total domestic deposits to total assets | 90.0082% | 981 |
Equity capital to assets | 9.6613% | 4,286 |
Core capital (leverage) ratio | 9.1913% | 4,242 |
Tier 1 risk-based capital ratio | 13.7089% | 3,859 |
Total risk-based capital ratio | 14.9649% | 3,805 |
Memoranda: | ||
Average total assets | $135,384,500 | 4,293 |
Average earning assets | $126,558,500 | 4,225 |
Average equity | $13,028,000 | 4,465 |
Average total loans | $87,210,500 | 4,287 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5852% | 3,684 |
Cost of funding earning assets | 1.5662% | 5,196 |
Net interest margin | 4.0189% | 2,791 |
Noninterest income to average assets | 0.6555% | 3,252 |
Noninterest expense to average assets | 3.2569% | 3,168 |
Loan and lease loss provision to assets | 0.5891% | 3,437 |
Net operating income to assets | 0.4938% | 3,752 |
Return on assets (ROA) | 0.6489% | 3,198 |
Pretax return on assets | 0.6260% | 3,822 |
Return on Equity (ROE) | 6.7505% | 2,891 |
Retained earnings to average equity (ytd only) | 4.0626% | 2,377 |
Net charge-offs to loans | 0.9768% | 2,454 |
Credit loss provision to net charge-offs | 89.7638% | 6,006 |
Earnings coverage of net charge-offs (x) | 1.6153% | 4,533 |
Efficiency ratio | 75.4446% | 3,627 |
Assets per employee ($millions) | 3.5218% | 4,963 |
Cash dividends to net income (ytd only)* | 39.8180% | 2,940 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8568% | 2,387 |
Loan loss allowance to noncurrent loans | 66.6802% | 4,064 |
Noncurrent assets plus other real estate owned to assets | 1.9993% | 3,404 |
Noncurrent loans to loans | 2.7847% | 2,775 |
Net loans and leases to total assets | 63.0717% | 4,791 |
Net loans and leases to deposits | 70.1251% | 5,591 |
Net loans and leases to core deposits | 82.6132% | 5,861 |
Total domestic deposits to total assets | 89.9418% | 992 |
Equity capital to assets | 9.5857% | 4,287 |
Core capital (leverage) ratio | 9.2270% | 4,082 |
Tier 1 risk-based capital ratio | 13.7504% | 3,656 |
Total risk-based capital ratio | 15.0064% | 3,597 |
Memoranda: | ||
Average total assets | $135,466,600 | 4,228 |
Average earning assets | $123,416,000 | 4,233 |
Average equity | $13,021,200 | 4,504 |
Average total loans | $91,015,600 | 4,189 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7185% | 3,251 |
Cost of funding earning assets | 1.6552% | 5,136 |
Net interest margin | 4.0634% | 2,537 |
Noninterest income to average assets | 0.6993% | 3,018 |
Noninterest expense to average assets | 3.3343% | 2,789 |
Loan and lease loss provision to assets | 0.5906% | 3,023 |
Net operating income to assets | 0.4928% | 4,012 |
Return on assets (ROA) | 0.7003% | 3,265 |
Pretax return on assets | 0.6696% | 3,960 |
Return on Equity (ROE) | 7.2800% | 2,954 |
Retained earnings to average equity (ytd only) | 3.6862% | 3,231 |
Net charge-offs to loans | 0.8942% | 2,175 |
Credit loss provision to net charge-offs | 97.2358% | 5,252 |
Earnings coverage of net charge-offs (x) | 1.7333% | 4,500 |
Efficiency ratio | 76.0018% | 3,518 |
Assets per employee ($millions) | 3.3963% | 5,171 |
Cash dividends to net income (ytd only)* | 49.3658% | 2,036 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9384% | 1,935 |
Loan loss allowance to noncurrent loans | 101.3609% | 2,741 |
Noncurrent assets plus other real estate owned to assets | 1.4560% | 4,198 |
Noncurrent loans to loans | 1.9124% | 3,761 |
Net loans and leases to total assets | 63.7887% | 4,908 |
Net loans and leases to deposits | 71.0542% | 5,792 |
Net loans and leases to core deposits | 83.9220% | 6,044 |
Total domestic deposits to total assets | 89.7748% | 858 |
Equity capital to assets | 9.6503% | 4,553 |
Core capital (leverage) ratio | 9.1155% | 4,463 |
Tier 1 risk-based capital ratio | 13.5680% | 3,801 |
Total risk-based capital ratio | 14.8253% | 3,729 |
Memoranda: | ||
Average total assets | $134,995,750 | 4,253 |
Average earning assets | $122,522,500 | 4,290 |
Average equity | $12,985,000 | 4,543 |
Average total loans | $91,702,500 | 4,204 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8629% | 2,746 |
Cost of funding earning assets | 1.7508% | 5,002 |
Net interest margin | 4.1121% | 2,279 |
Noninterest income to average assets | 0.7052% | 2,960 |
Noninterest expense to average assets | 3.4147% | 2,580 |
Loan and lease loss provision to assets | 0.2865% | 4,285 |
Net operating income to assets | 0.7601% | 3,009 |
Return on assets (ROA) | 1.0719% | 1,946 |
Pretax return on assets | 1.0259% | 2,902 |
Return on Equity (ROE) | 11.1563% | 1,658 |
Retained earnings to average equity (ytd only) | 5.7481% | 2,142 |
Net charge-offs to loans | 0.1638% | 4,571 |
Credit loss provision to net charge-offs | 253.9474% | 1,832 |
Earnings coverage of net charge-offs (x) | 8.8684% | 2,207 |
Efficiency ratio | 77.3369% | 3,448 |
Assets per employee ($millions) | 3.1096% | 5,840 |
Cash dividends to net income (ytd only)* | 48.4765% | 2,104 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0242% | 1,520 |
Loan loss allowance to noncurrent loans | 118.5494% | 2,490 |
Noncurrent assets plus other real estate owned to assets | 1.3996% | 4,159 |
Noncurrent loans to loans | 1.7075% | 3,948 |
Net loans and leases to total assets | 65.3392% | 4,695 |
Net loans and leases to deposits | 72.6874% | 5,643 |
Net loans and leases to core deposits | 85.2523% | 5,991 |
Total domestic deposits to total assets | 89.8906% | 871 |
Equity capital to assets | 9.4692% | 4,649 |
Core capital (leverage) ratio | 9.1483% | 4,390 |
Tier 1 risk-based capital ratio | 13.1546% | 4,033 |
Total risk-based capital ratio | 14.4132% | 3,952 |
Memoranda: | ||
Average total assets | $134,711,000 | 4,288 |
Average earning assets | $121,544,330 | 4,328 |
Average equity | $12,943,330 | 4,558 |
Average total loans | $92,813,330 | 4,208 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0766% | 2,038 |
Cost of funding earning assets | 1.8529% | 4,866 |
Net interest margin | 4.2237% | 1,825 |
Noninterest income to average assets | 0.7362% | 2,676 |
Noninterest expense to average assets | 3.0526% | 3,552 |
Loan and lease loss provision to assets | 0.4429% | 2,710 |
Net operating income to assets | 1.0924% | 1,987 |
Return on assets (ROA) | 1.7208% | 684 |
Pretax return on assets | 1.6281% | 1,338 |
Return on Equity (ROE) | 17.7785% | 607 |
Retained earnings to average equity (ytd only) | 6.9568% | 2,228 |
Net charge-offs to loans | 0.2009% | 3,432 |
Credit loss provision to net charge-offs | 314.8936% | 1,555 |
Earnings coverage of net charge-offs (x) | 10.2553% | 1,966 |
Efficiency ratio | 67.9095% | 4,981 |
Assets per employee ($millions) | 3.2459% | 5,472 |
Cash dividends to net income (ytd only)* | 60.8696% | 1,472 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9679% | 1,483 |
Loan loss allowance to noncurrent loans | 116.7730% | 2,668 |
Noncurrent assets plus other real estate owned to assets | 2.0055% | 2,891 |
Noncurrent loans to loans | 1.6852% | 3,728 |
Net loans and leases to total assets | 66.9068% | 4,361 |
Net loans and leases to deposits | 74.3683% | 5,439 |
Net loans and leases to core deposits | 87.1983% | 5,819 |
Total domestic deposits to total assets | 89.9668% | 819 |
Equity capital to assets | 9.4779% | 4,699 |
Core capital (leverage) ratio | 9.3721% | 4,140 |
Tier 1 risk-based capital ratio | 12.6807% | 4,409 |
Total risk-based capital ratio | 13.9380% | 4,323 |
Memoranda: | ||
Average total assets | $133,655,000 | 4,329 |
Average earning assets | $118,948,000 | 4,417 |
Average equity | $12,937,000 | 4,595 |
Average total loans | $93,597,000 | 4,222 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5902% | 2,536 |
Cost of funding earning assets | 2.3533% | 4,913 |
Net interest margin | 4.2369% | 2,171 |
Noninterest income to average assets | 0.7462% | 2,805 |
Noninterest expense to average assets | 3.2176% | 3,273 |
Loan and lease loss provision to assets | 0.6256% | 2,329 |
Net operating income to assets | 0.7755% | 3,543 |
Return on assets (ROA) | 0.7705% | 3,412 |
Pretax return on assets | 0.8175% | 4,002 |
Return on Equity (ROE) | 8.2812% | 2,948 |
Retained earnings to average equity (ytd only) | 4.2058% | 2,501 |
Net charge-offs to loans | 0.8108% | 1,539 |
Credit loss provision to net charge-offs | 107.2822% | 5,003 |
Earnings coverage of net charge-offs (x) | 2.4837% | 4,830 |
Efficiency ratio | 68.9582% | 4,548 |
Assets per employee ($millions) | 3.1186% | 5,724 |
Cash dividends to net income (ytd only)* | 49.2126% | 3,167 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8375% | 1,552 |
Loan loss allowance to noncurrent loans | 104.5317% | 3,321 |
Noncurrent assets plus other real estate owned to assets | 2.2461% | 2,167 |
Noncurrent loans to loans | 1.7578% | 3,128 |
Net loans and leases to total assets | 70.5595% | 3,893 |
Net loans and leases to deposits | 79.0376% | 5,188 |
Net loans and leases to core deposits | 92.4941% | 5,595 |
Total domestic deposits to total assets | 89.2734% | 932 |
Equity capital to assets | 9.8891% | 4,172 |
Core capital (leverage) ratio | 9.2206% | 4,411 |
Tier 1 risk-based capital ratio | 12.3536% | 4,550 |
Total risk-based capital ratio | 13.6103% | 4,434 |
Memoranda: | ||
Average total assets | $131,868,000 | 4,233 |
Average earning assets | $121,999,800 | 4,214 |
Average equity | $12,268,800 | 4,762 |
Average total loans | $94,841,600 | 4,081 |