Home > Merchants Bank of Commerce > Performance and Condition Ratios
Merchants Bank of Commerce, Performance and Condition Ratios
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 | 3.4133% | 3,061 |
Cost of funding earning assets | 0.1319% | 4,253 |
Net interest margin | 3.2814% | 2,472 |
Noninterest income to average assets | 0.2246% | 4,059 |
Noninterest expense to average assets | 1.8961% | 3,952 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 1.1397% | 2,404 |
Return on assets (ROA) | 1.1492% | 2,430 |
Pretax return on assets | 1.4333% | 2,202 |
Return on Equity (ROE) | 10.9020% | 2,399 |
Retained earnings to average equity (ytd only) | 5.4757% | 3,050 |
Net charge-offs to loans | -0.0343% | 4,196 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.9181% | 3,541 |
Assets per employee ($millions) | 10.4885% | 558 |
Cash dividends to net income (ytd only)* | 49.7729% | 1,207 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6070% | 1,324 |
Loan loss allowance to noncurrent loans | 564.1732% | 1,248 |
Noncurrent assets plus other real estate owned to assets | 0.1562% | 3,078 |
Noncurrent loans to loans | 0.2848% | 2,773 |
Net loans and leases to total assets | 53.9695% | 2,972 |
Net loans and leases to deposits | 60.5441% | 3,184 |
Net loans and leases to core deposits | 62.7148% | 3,245 |
Total domestic deposits to total assets | 89.1407% | 1,202 |
Equity capital to assets | 10.0926% | 2,811 |
Core capital (leverage) ratio | 9.4170% | 3,099 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.6212% | 1,754 |
Memoranda: | ||
Average total assets | $1,864,790,250 | 578 |
Average earning assets | $1,757,727,250 | 562 |
Average equity | $196,571,500 | 557 |
Average total loans | $1,111,851,500 | 608 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4908% | 2,917 |
Cost of funding earning assets | 0.1409% | 4,271 |
Net interest margin | 3.3500% | 2,300 |
Noninterest income to average assets | 0.2318% | 4,014 |
Noninterest expense to average assets | 1.8453% | 4,083 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 1.1686% | 2,302 |
Return on assets (ROA) | 1.1747% | 2,346 |
Pretax return on assets | 1.5495% | 1,875 |
Return on Equity (ROE) | 10.9781% | 2,429 |
Retained earnings to average equity (ytd only) | 8.4331% | 1,920 |
Net charge-offs to loans | -0.0505% | 4,379 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.2497% | 3,894 |
Assets per employee ($millions) | 9.7781% | 653 |
Cash dividends to net income (ytd only)* | 23.1825% | 2,374 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5756% | 1,342 |
Loan loss allowance to noncurrent loans | 450.9310% | 1,376 |
Noncurrent assets plus other real estate owned to assets | 0.1990% | 2,951 |
Noncurrent loans to loans | 0.3494% | 2,655 |
Net loans and leases to total assets | 56.0450% | 2,896 |
Net loans and leases to deposits | 63.1659% | 3,086 |
Net loans and leases to core deposits | 65.5679% | 3,150 |
Total domestic deposits to total assets | 88.7266% | 1,431 |
Equity capital to assets | 10.4442% | 2,443 |
Core capital (leverage) ratio | 9.8030% | 2,594 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.7368% | 1,711 |
Memoranda: | ||
Average total assets | $1,836,101,333 | 580 |
Average earning assets | $1,729,384,333 | 564 |
Average equity | $196,464,667 | 553 |
Average total loans | $1,125,781,000 | 604 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6305% | 2,545 |
Cost of funding earning assets | 0.1513% | 4,294 |
Net interest margin | 3.4792% | 1,886 |
Noninterest income to average assets | 0.2497% | 3,904 |
Noninterest expense to average assets | 1.9364% | 3,895 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.1930% | 2,176 |
Return on assets (ROA) | 1.1943% | 2,244 |
Pretax return on assets | 1.5872% | 1,767 |
Return on Equity (ROE) | 11.0207% | 2,361 |
Retained earnings to average equity (ytd only) | 8.9654% | 1,959 |
Net charge-offs to loans | -0.0409% | 4,316 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.7722% | 3,810 |
Assets per employee ($millions) | 9.3290% | 742 |
Cash dividends to net income (ytd only)* | 18.6498% | 2,046 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4857% | 1,657 |
Loan loss allowance to noncurrent loans | 433.9195% | 1,307 |
Noncurrent assets plus other real estate owned to assets | 0.2146% | 3,079 |
Noncurrent loans to loans | 0.3424% | 2,874 |
Net loans and leases to total assets | 61.7486% | 2,313 |
Net loans and leases to deposits | 69.7789% | 2,531 |
Net loans and leases to core deposits | 72.3036% | 2,676 |
Total domestic deposits to total assets | 88.4918% | 1,611 |
Equity capital to assets | 10.6350% | 2,142 |
Core capital (leverage) ratio | 10.0273% | 2,512 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.6647% | 1,685 |
Memoranda: | ||
Average total assets | $1,795,902,000 | 581 |
Average earning assets | $1,689,140,000 | 566 |
Average equity | $194,615,500 | 546 |
Average total loans | $1,143,023,500 | 598 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9779% | 2,797 |
Cost of funding earning assets | 0.2399% | 4,425 |
Net interest margin | 3.7380% | 1,679 |
Noninterest income to average assets | 0.2113% | 4,221 |
Noninterest expense to average assets | 2.1026% | 3,931 |
Loan and lease loss provision to assets | 0.3222% | 1,137 |
Net operating income to assets | 0.9645% | 2,421 |
Return on assets (ROA) | 0.9879% | 2,479 |
Pretax return on assets | 1.3019% | 1,972 |
Return on Equity (ROE) | 8.5225% | 2,591 |
Retained earnings to average equity (ytd only) | 0.5798% | 4,349 |
Net charge-offs to loans | 0.0506% | 2,068 |
Credit loss provision to net charge-offs | 919.4396% | 822 |
Earnings coverage of net charge-offs (x) | 45.4974% | 1,282 |
Efficiency ratio | 55.6004% | 4,031 |
Assets per employee ($millions) | 8.5598% | 874 |
Cash dividends to net income (ytd only)* | 93.1966% | 365 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4834% | 1,644 |
Loan loss allowance to noncurrent loans | 241.1236% | 2,037 |
Noncurrent assets plus other real estate owned to assets | 0.3982% | 2,396 |
Noncurrent loans to loans | 0.6152% | 2,161 |
Net loans and leases to total assets | 63.6893% | 2,407 |
Net loans and leases to deposits | 72.6124% | 2,625 |
Net loans and leases to core deposits | 75.4143% | 2,782 |
Total domestic deposits to total assets | 87.7113% | 1,607 |
Equity capital to assets | 11.0457% | 2,215 |
Core capital (leverage) ratio | 9.8589% | 2,731 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.8293% | 1,590 |
Memoranda: | ||
Average total assets | $1,629,292,400 | 575 |
Average earning assets | $1,519,380,200 | 566 |
Average equity | $188,853,600 | 533 |
Average total loans | $1,127,833,000 | 571 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0250% | 2,901 |
Cost of funding earning assets | 0.2611% | 4,468 |
Net interest margin | 3.7639% | 1,726 |
Noninterest income to average assets | 0.2062% | 4,237 |
Noninterest expense to average assets | 2.1650% | 3,766 |
Loan and lease loss provision to assets | 0.4387% | 748 |
Net operating income to assets | 0.8503% | 2,907 |
Return on assets (ROA) | 0.8821% | 2,893 |
Pretax return on assets | 1.1453% | 2,580 |
Return on Equity (ROE) | 7.5128% | 3,007 |
Retained earnings to average equity (ytd only) | -2.4492% | 4,736 |
Net charge-offs to loans | 0.0721% | 1,593 |
Credit loss provision to net charge-offs | 863.4868% | 926 |
Earnings coverage of net charge-offs (x) | 30.3882% | 1,565 |
Efficiency ratio | 57.0830% | 3,787 |
Assets per employee ($millions) | 8.4842% | 848 |
Cash dividends to net income (ytd only)* | 132.6009% | 130 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4002% | 1,738 |
Loan loss allowance to noncurrent loans | 208.3601% | 2,137 |
Noncurrent assets plus other real estate owned to assets | 0.4661% | 2,326 |
Noncurrent loans to loans | 0.6720% | 2,104 |
Net loans and leases to total assets | 68.3135% | 2,193 |
Net loans and leases to deposits | 78.0410% | 2,529 |
Net loans and leases to core deposits | 81.2936% | 2,727 |
Total domestic deposits to total assets | 87.5353% | 1,424 |
Equity capital to assets | 10.9215% | 2,452 |
Core capital (leverage) ratio | 9.9945% | 2,731 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.2585% | 1,744 |
Memoranda: | ||
Average total assets | $1,595,783,500 | 571 |
Average earning assets | $1,484,964,750 | 562 |
Average equity | $187,374,000 | 529 |
Average total loans | $1,124,801,000 | 566 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1075% | 3,033 |
Cost of funding earning assets | 0.2860% | 4,521 |
Net interest margin | 3.8215% | 1,771 |
Noninterest income to average assets | 0.2048% | 4,253 |
Noninterest expense to average assets | 2.2852% | 3,559 |
Loan and lease loss provision to assets | 0.5362% | 633 |
Net operating income to assets | 0.7228% | 3,311 |
Return on assets (ROA) | 0.7456% | 3,340 |
Pretax return on assets | 0.9588% | 3,155 |
Return on Equity (ROE) | 6.1883% | 3,444 |
Retained earnings to average equity (ytd only) | -7.7517% | 4,871 |
Net charge-offs to loans | 0.0532% | 1,729 |
Credit loss provision to net charge-offs | 1,421.2329% | 622 |
Earnings coverage of net charge-offs (x) | 38.8596% | 1,268 |
Efficiency ratio | 59.5991% | 3,467 |
Assets per employee ($millions) | 8.3475% | 855 |
Cash dividends to net income (ytd only)* | 225.2643% | 75 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3355% | 1,851 |
Loan loss allowance to noncurrent loans | 241.1782% | 1,859 |
Noncurrent assets plus other real estate owned to assets | 0.3903% | 2,730 |
Noncurrent loans to loans | 0.5537% | 2,504 |
Net loans and leases to total assets | 69.4613% | 2,116 |
Net loans and leases to deposits | 79.3104% | 2,510 |
Net loans and leases to core deposits | 82.4883% | 2,734 |
Total domestic deposits to total assets | 87.5816% | 1,384 |
Equity capital to assets | 10.8617% | 2,452 |
Core capital (leverage) ratio | 10.2148% | 2,620 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9749% | 1,832 |
Memoranda: | ||
Average total assets | $1,547,955,000 | 575 |
Average earning assets | $1,436,557,667 | 565 |
Average equity | $186,514,000 | 533 |
Average total loans | $1,098,058,667 | 571 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2648% | 3,021 |
Cost of funding earning assets | 0.3197% | 4,599 |
Net interest margin | 3.9451% | 1,543 |
Noninterest income to average assets | 0.2021% | 4,340 |
Noninterest expense to average assets | 2.6215% | 2,920 |
Loan and lease loss provision to assets | 0.7775% | 318 |
Net operating income to assets | 0.3696% | 4,194 |
Return on assets (ROA) | 0.3882% | 4,198 |
Pretax return on assets | 0.4779% | 4,152 |
Return on Equity (ROE) | 3.0465% | 4,209 |
Retained earnings to average equity (ytd only) | -14.0808% | 4,877 |
Net charge-offs to loans | 0.0054% | 2,383 |
Credit loss provision to net charge-offs | 20,357.1429% | 33 |
Earnings coverage of net charge-offs (x) | 322.7143% | 216 |
Efficiency ratio | 66.6690% | 2,866 |
Assets per employee ($millions) | 6.9937% | 1,092 |
Cash dividends to net income (ytd only)* | 562.1926% | 41 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4290% | 1,591 |
Loan loss allowance to noncurrent loans | 287.2641% | 1,576 |
Noncurrent assets plus other real estate owned to assets | 0.3611% | 2,997 |
Noncurrent loans to loans | 0.4975% | 2,773 |
Net loans and leases to total assets | 71.4457% | 2,009 |
Net loans and leases to deposits | 83.5987% | 2,276 |
Net loans and leases to core deposits | 88.1433% | 2,510 |
Total domestic deposits to total assets | 85.4627% | 2,223 |
Equity capital to assets | 12.7323% | 1,603 |
Core capital (leverage) ratio | 11.4506% | 2,109 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9062% | 1,939 |
Memoranda: | ||
Average total assets | $1,466,313,500 | 577 |
Average earning assets | $1,357,346,500 | 569 |
Average equity | $186,836,500 | 526 |
Average total loans | $1,044,719,500 | 575 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5322% | 2,837 |
Cost of funding earning assets | 0.3619% | 4,566 |
Net interest margin | 4.1703% | 1,374 |
Noninterest income to average assets | 0.2619% | 4,112 |
Noninterest expense to average assets | 2.5363% | 3,354 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 1.1989% | 2,062 |
Return on assets (ROA) | 1.2092% | 2,114 |
Pretax return on assets | 1.5930% | 1,506 |
Return on Equity (ROE) | 9.7849% | 2,400 |
Retained earnings to average equity (ytd only) | 2.7296% | 3,674 |
Net charge-offs to loans | 0.0060% | 3,464 |
Credit loss provision to net charge-offs | 0.0000% | 3,383 |
Earnings coverage of net charge-offs (x) | 371.3607% | 240 |
Efficiency ratio | 60.3955% | 3,633 |
Assets per employee ($millions) | 6.9063% | 1,080 |
Cash dividends to net income (ytd only)* | 72.1043% | 1,051 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1818% | 2,537 |
Loan loss allowance to noncurrent loans | 217.8063% | 1,962 |
Noncurrent assets plus other real estate owned to assets | 0.3824% | 2,882 |
Noncurrent loans to loans | 0.5426% | 2,545 |
Net loans and leases to total assets | 69.2063% | 2,515 |
Net loans and leases to deposits | 80.3492% | 2,735 |
Net loans and leases to core deposits | 84.9552% | 2,874 |
Total domestic deposits to total assets | 86.1320% | 2,019 |
Equity capital to assets | 12.7514% | 1,673 |
Core capital (leverage) ratio | 11.5802% | 2,050 |
Tier 1 risk-based capital ratio | 14.3851% | 3,075 |
Total risk-based capital ratio | 15.4752% | 3,070 |
Memoranda: | ||
Average total assets | $1,433,682,400 | 571 |
Average earning assets | $1,325,112,200 | 565 |
Average equity | $177,171,400 | 523 |
Average total loans | $1,018,726,400 | 564 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5771% | 2,803 |
Cost of funding earning assets | 0.3634% | 4,621 |
Net interest margin | 4.2137% | 1,348 |
Noninterest income to average assets | 0.2677% | 4,138 |
Noninterest expense to average assets | 2.6365% | 3,054 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.1560% | 2,338 |
Return on assets (ROA) | 1.1662% | 2,400 |
Pretax return on assets | 1.5371% | 1,845 |
Return on Equity (ROE) | 9.5155% | 2,664 |
Retained earnings to average equity (ytd only) | 3.7801% | 3,506 |
Net charge-offs to loans | 0.0009% | 3,425 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | 2,324.2004% | 29 |
Efficiency ratio | 62.1737% | 3,302 |
Assets per employee ($millions) | 7.0418% | 1,010 |
Cash dividends to net income (ytd only)* | 60.2749% | 1,275 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1869% | 2,575 |
Loan loss allowance to noncurrent loans | 96.0066% | 3,397 |
Noncurrent assets plus other real estate owned to assets | 0.8734% | 1,567 |
Noncurrent loans to loans | 1.2363% | 1,261 |
Net loans and leases to total assets | 69.4947% | 2,552 |
Net loans and leases to deposits | 80.7544% | 2,825 |
Net loans and leases to core deposits | 85.5523% | 2,947 |
Total domestic deposits to total assets | 86.0569% | 1,974 |
Equity capital to assets | 12.7872% | 1,739 |
Core capital (leverage) ratio | 11.7367% | 2,052 |
Tier 1 risk-based capital ratio | 14.2504% | 3,199 |
Total risk-based capital ratio | 15.3435% | 3,190 |
Memoranda: | ||
Average total assets | $1,422,616,250 | 578 |
Average earning assets | $1,314,378,000 | 571 |
Average equity | $174,349,500 | 532 |
Average total loans | $1,014,641,750 | 567 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5762% | 2,749 |
Cost of funding earning assets | 0.3674% | 4,628 |
Net interest margin | 4.2087% | 1,340 |
Noninterest income to average assets | 0.2732% | 4,109 |
Noninterest expense to average assets | 2.8486% | 2,418 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.0165% | 2,855 |
Return on assets (ROA) | 1.0305% | 2,883 |
Pretax return on assets | 1.3395% | 2,415 |
Return on Equity (ROE) | 8.5380% | 3,049 |
Retained earnings to average equity (ytd only) | 2.6465% | 3,878 |
Net charge-offs to loans | -0.0304% | 4,686 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.1578% | 2,664 |
Assets per employee ($millions) | 6.8632% | 1,062 |
Cash dividends to net income (ytd only)* | 69.0036% | 1,136 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1981% | 2,532 |
Loan loss allowance to noncurrent loans | 92.1033% | 3,453 |
Noncurrent assets plus other real estate owned to assets | 0.9375% | 1,480 |
Noncurrent loans to loans | 1.3008% | 1,211 |
Net loans and leases to total assets | 71.2073% | 2,342 |
Net loans and leases to deposits | 82.8540% | 2,636 |
Net loans and leases to core deposits | 88.0110% | 2,794 |
Total domestic deposits to total assets | 85.9432% | 2,062 |
Equity capital to assets | 12.8671% | 1,654 |
Core capital (leverage) ratio | 11.6115% | 2,086 |
Tier 1 risk-based capital ratio | 14.0700% | 3,281 |
Total risk-based capital ratio | 15.1719% | 3,266 |
Memoranda: | ||
Average total assets | $1,406,244,000 | 582 |
Average earning assets | $1,302,098,330 | 575 |
Average equity | $169,734,670 | 542 |
Average total loans | $1,007,835,000 | 570 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5191% | 2,804 |
Cost of funding earning assets | 0.3328% | 4,735 |
Net interest margin | 4.1863% | 1,327 |
Noninterest income to average assets | 0.2624% | 4,131 |
Noninterest expense to average assets | 3.0687% | 1,809 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.8406% | 3,480 |
Return on assets (ROA) | 0.8615% | 3,449 |
Pretax return on assets | 1.1011% | 3,146 |
Return on Equity (ROE) | 7.3908% | 3,508 |
Retained earnings to average equity (ytd only) | 1.2133% | 4,272 |
Net charge-offs to loans | 0.0202% | 2,049 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | 74.6200% | 806 |
Efficiency ratio | 73.0483% | 1,878 |
Assets per employee ($millions) | 6.8727% | 1,054 |
Cash dividends to net income (ytd only)* | 83.5841% | 870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1810% | 2,686 |
Loan loss allowance to noncurrent loans | 84.2243% | 3,620 |
Noncurrent assets plus other real estate owned to assets | 0.9906% | 1,412 |
Noncurrent loans to loans | 1.4022% | 1,151 |
Net loans and leases to total assets | 69.6477% | 2,538 |
Net loans and leases to deposits | 81.7493% | 2,637 |
Net loans and leases to core deposits | 86.9879% | 2,780 |
Total domestic deposits to total assets | 85.1966% | 2,601 |
Equity capital to assets | 12.2845% | 1,852 |
Core capital (leverage) ratio | 11.6598% | 2,018 |
Tier 1 risk-based capital ratio | 13.9824% | 3,342 |
Total risk-based capital ratio | 15.0733% | 3,354 |
Memoranda: | ||
Average total assets | $1,388,735,000 | 589 |
Average earning assets | $1,287,436,000 | 582 |
Average equity | $161,877,500 | 563 |
Average total loans | $992,388,000 | 579 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4439% | 2,620 |
Cost of funding earning assets | 0.3088% | 4,526 |
Net interest margin | 4.1351% | 1,571 |
Noninterest income to average assets | 0.2900% | 4,164 |
Noninterest expense to average assets | 2.3908% | 3,905 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 1.4704% | 1,203 |
Return on assets (ROA) | 1.4733% | 1,185 |
Pretax return on assets | 1.7559% | 1,037 |
Return on Equity (ROE) | 13.9784% | 1,045 |
Retained earnings to average equity (ytd only) | 11.0225% | 435 |
Net charge-offs to loans | -0.0399% | 4,898 |
Credit loss provision to net charge-offs | 0.0000% | 3,452 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.2871% | 4,246 |
Assets per employee ($millions) | 6.6330% | 1,151 |
Cash dividends to net income (ytd only)* | 21.1461% | 3,435 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2964% | 2,057 |
Loan loss allowance to noncurrent loans | 296.4785% | 1,655 |
Noncurrent assets plus other real estate owned to assets | 0.3197% | 3,273 |
Noncurrent loans to loans | 0.4373% | 2,968 |
Net loans and leases to total assets | 71.6220% | 2,325 |
Net loans and leases to deposits | 81.3007% | 2,816 |
Net loans and leases to core deposits | 85.4480% | 2,960 |
Total domestic deposits to total assets | 88.0951% | 1,255 |
Equity capital to assets | 10.9496% | 2,730 |
Core capital (leverage) ratio | 10.8165% | 2,721 |
Tier 1 risk-based capital ratio | 13.2324% | 3,702 |
Total risk-based capital ratio | 14.4238% | 3,629 |
Memoranda: | ||
Average total assets | $1,283,939,200 | 611 |
Average earning assets | $1,196,430,400 | 597 |
Average equity | $135,322,800 | 641 |
Average total loans | $919,934,600 | 597 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3893% | 2,665 |
Cost of funding earning assets | 0.3123% | 4,430 |
Net interest margin | 4.0770% | 1,703 |
Noninterest income to average assets | 0.2852% | 4,248 |
Noninterest expense to average assets | 2.3774% | 3,906 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 1.3217% | 1,775 |
Return on assets (ROA) | 1.3251% | 1,770 |
Pretax return on assets | 1.7121% | 1,251 |
Return on Equity (ROE) | 12.6989% | 1,539 |
Retained earnings to average equity (ytd only) | 11.1995% | 606 |
Net charge-offs to loans | -0.0682% | 5,045 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.7710% | 4,159 |
Assets per employee ($millions) | 6.7483% | 1,050 |
Cash dividends to net income (ytd only)* | 11.8073% | 3,323 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3336% | 1,945 |
Loan loss allowance to noncurrent loans | 333.3871% | 1,534 |
Noncurrent assets plus other real estate owned to assets | 0.2928% | 3,516 |
Noncurrent loans to loans | 0.4000% | 3,219 |
Net loans and leases to total assets | 69.6733% | 2,696 |
Net loans and leases to deposits | 78.7299% | 3,169 |
Net loans and leases to core deposits | 82.9090% | 3,255 |
Total domestic deposits to total assets | 88.4966% | 1,048 |
Equity capital to assets | 10.5038% | 3,140 |
Core capital (leverage) ratio | 10.7759% | 2,820 |
Tier 1 risk-based capital ratio | 13.1388% | 3,822 |
Total risk-based capital ratio | 14.3632% | 3,749 |
Memoranda: | ||
Average total assets | $1,278,248,500 | 612 |
Average earning assets | $1,191,416,250 | 599 |
Average equity | $133,384,000 | 645 |
Average total loans | $912,873,750 | 600 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3551% | 2,564 |
Cost of funding earning assets | 0.3146% | 4,318 |
Net interest margin | 4.0405% | 1,724 |
Noninterest income to average assets | 0.2909% | 4,236 |
Noninterest expense to average assets | 2.4268% | 3,835 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 1.2672% | 1,908 |
Return on assets (ROA) | 1.2722% | 1,892 |
Pretax return on assets | 1.6366% | 1,389 |
Return on Equity (ROE) | 12.2196% | 1,651 |
Retained earnings to average equity (ytd only) | 9.9430% | 942 |
Net charge-offs to loans | -0.1020% | 5,165 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.3846% | 4,027 |
Assets per employee ($millions) | 6.5759% | 1,139 |
Cash dividends to net income (ytd only)* | 18.6312% | 3,037 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3199% | 2,072 |
Loan loss allowance to noncurrent loans | 292.7221% | 1,674 |
Noncurrent assets plus other real estate owned to assets | 0.3409% | 3,385 |
Noncurrent loans to loans | 0.4509% | 3,084 |
Net loans and leases to total assets | 72.2285% | 2,237 |
Net loans and leases to deposits | 86.0604% | 2,299 |
Net loans and leases to core deposits | 90.9932% | 2,485 |
Total domestic deposits to total assets | 83.9277% | 3,098 |
Equity capital to assets | 10.4603% | 3,164 |
Core capital (leverage) ratio | 10.6011% | 2,922 |
Tier 1 risk-based capital ratio | 12.5148% | 4,175 |
Total risk-based capital ratio | 13.7218% | 4,099 |
Memoranda: | ||
Average total assets | $1,265,691,330 | 618 |
Average earning assets | $1,179,755,670 | 608 |
Average equity | $131,771,670 | 650 |
Average total loans | $907,419,330 | 604 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2925% | 2,548 |
Cost of funding earning assets | 0.2799% | 4,508 |
Net interest margin | 4.0127% | 1,688 |
Noninterest income to average assets | 0.2924% | 4,209 |
Noninterest expense to average assets | 2.5033% | 3,633 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 1.2059% | 1,976 |
Return on assets (ROA) | 1.2152% | 1,952 |
Pretax return on assets | 1.5502% | 1,524 |
Return on Equity (ROE) | 11.7007% | 1,684 |
Retained earnings to average equity (ytd only) | 7.1062% | 2,231 |
Net charge-offs to loans | -0.1659% | 5,335 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.5033% | 3,871 |
Assets per employee ($millions) | 6.5190% | 1,189 |
Cash dividends to net income (ytd only)* | 39.2670% | 1,858 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3629% | 1,977 |
Loan loss allowance to noncurrent loans | 291.6271% | 1,678 |
Noncurrent assets plus other real estate owned to assets | 0.3434% | 3,465 |
Noncurrent loans to loans | 0.4673% | 3,129 |
Net loans and leases to total assets | 71.4655% | 2,254 |
Net loans and leases to deposits | 82.9622% | 2,505 |
Net loans and leases to core deposits | 92.8492% | 2,227 |
Total domestic deposits to total assets | 86.1423% | 2,481 |
Equity capital to assets | 10.4828% | 3,091 |
Core capital (leverage) ratio | 10.5143% | 2,928 |
Tier 1 risk-based capital ratio | 12.6217% | 4,163 |
Total risk-based capital ratio | 13.8704% | 4,067 |
Memoranda: | ||
Average total assets | $1,257,384,000 | 630 |
Average earning assets | $1,174,873,500 | 615 |
Average equity | $130,591,000 | 658 |
Average total loans | $891,839,500 | 619 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1614% | 2,834 |
Cost of funding earning assets | 0.2820% | 4,297 |
Net interest margin | 3.8793% | 2,156 |
Noninterest income to average assets | 0.3755% | 3,786 |
Noninterest expense to average assets | 2.5292% | 3,682 |
Loan and lease loss provision to assets | 0.0792% | 2,611 |
Net operating income to assets | 0.7878% | 3,216 |
Return on assets (ROA) | 0.7951% | 3,229 |
Pretax return on assets | 1.3725% | 2,079 |
Return on Equity (ROE) | 7.4989% | 3,036 |
Retained earnings to average equity (ytd only) | 5.7696% | 1,672 |
Net charge-offs to loans | 0.0687% | 2,474 |
Credit loss provision to net charge-offs | 166.9596% | 1,605 |
Earnings coverage of net charge-offs (x) | 30.3708% | 1,535 |
Efficiency ratio | 63.2527% | 3,725 |
Assets per employee ($millions) | 6.7177% | 1,094 |
Cash dividends to net income (ytd only)* | 23.0608% | 3,568 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3527% | 1,957 |
Loan loss allowance to noncurrent loans | 205.6389% | 2,242 |
Noncurrent assets plus other real estate owned to assets | 0.4595% | 3,029 |
Noncurrent loans to loans | 0.6578% | 2,567 |
Net loans and leases to total assets | 68.4935% | 2,752 |
Net loans and leases to deposits | 77.1818% | 3,209 |
Net loans and leases to core deposits | 86.8003% | 2,847 |
Total domestic deposits to total assets | 88.7431% | 1,120 |
Equity capital to assets | 10.2910% | 3,393 |
Core capital (leverage) ratio | 10.3335% | 3,038 |
Tier 1 risk-based capital ratio | 12.5842% | 4,156 |
Total risk-based capital ratio | 13.8140% | 4,065 |
Memoranda: | ||
Average total assets | $1,199,879,800 | 628 |
Average earning assets | $1,111,605,800 | 619 |
Average equity | $127,219,400 | 647 |
Average total loans | $828,458,600 | 630 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1643% | 2,737 |
Cost of funding earning assets | 0.2828% | 4,290 |
Net interest margin | 3.8815% | 2,102 |
Noninterest income to average assets | 0.3667% | 3,903 |
Noninterest expense to average assets | 2.5481% | 3,575 |
Loan and lease loss provision to assets | 0.0564% | 2,963 |
Net operating income to assets | 1.0013% | 2,546 |
Return on assets (ROA) | 1.0129% | 2,543 |
Pretax return on assets | 1.3653% | 2,233 |
Return on Equity (ROE) | 9.4785% | 2,359 |
Retained earnings to average equity (ytd only) | 7.1572% | 1,608 |
Net charge-offs to loans | 0.0576% | 2,310 |
Credit loss provision to net charge-offs | 142.0455% | 1,759 |
Earnings coverage of net charge-offs (x) | 35.4234% | 1,413 |
Efficiency ratio | 63.9690% | 3,546 |
Assets per employee ($millions) | 6.4866% | 1,188 |
Cash dividends to net income (ytd only)* | 24.4907% | 2,965 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4144% | 1,834 |
Loan loss allowance to noncurrent loans | 153.7410% | 2,732 |
Noncurrent assets plus other real estate owned to assets | 0.6738% | 2,475 |
Noncurrent loans to loans | 0.9200% | 2,083 |
Net loans and leases to total assets | 66.1240% | 3,088 |
Net loans and leases to deposits | 74.8673% | 3,488 |
Net loans and leases to core deposits | 83.8854% | 3,134 |
Total domestic deposits to total assets | 88.3216% | 1,205 |
Equity capital to assets | 10.6100% | 3,255 |
Core capital (leverage) ratio | 10.4945% | 2,992 |
Tier 1 risk-based capital ratio | 12.8749% | 4,099 |
Total risk-based capital ratio | 14.1227% | 3,998 |
Memoranda: | ||
Average total assets | $1,182,440,250 | 636 |
Average earning assets | $1,092,859,750 | 626 |
Average equity | $126,359,750 | 655 |
Average total loans | $815,187,000 | 647 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1437% | 2,696 |
Cost of funding earning assets | 0.2794% | 4,299 |
Net interest margin | 3.8643% | 2,044 |
Noninterest income to average assets | 0.3853% | 3,790 |
Noninterest expense to average assets | 2.6329% | 3,329 |
Loan and lease loss provision to assets | 0.0858% | 2,271 |
Net operating income to assets | 0.9455% | 2,688 |
Return on assets (ROA) | 0.9589% | 2,674 |
Pretax return on assets | 1.2502% | 2,577 |
Return on Equity (ROE) | 8.9502% | 2,533 |
Retained earnings to average equity (ytd only) | 5.4271% | 2,458 |
Net charge-offs to loans | 0.0878% | 1,733 |
Credit loss provision to net charge-offs | 140.4494% | 1,590 |
Earnings coverage of net charge-offs (x) | 21.5899% | 1,746 |
Efficiency ratio | 66.1486% | 3,325 |
Assets per employee ($millions) | 6.4522% | 1,186 |
Cash dividends to net income (ytd only)* | 39.3630% | 2,351 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4307% | 1,812 |
Loan loss allowance to noncurrent loans | 127.6819% | 3,096 |
Noncurrent assets plus other real estate owned to assets | 0.8797% | 2,016 |
Noncurrent loans to loans | 1.1205% | 1,752 |
Net loans and leases to total assets | 66.3831% | 3,048 |
Net loans and leases to deposits | 75.0140% | 3,448 |
Net loans and leases to core deposits | 84.0478% | 3,063 |
Total domestic deposits to total assets | 88.4943% | 1,206 |
Equity capital to assets | 10.4971% | 3,346 |
Core capital (leverage) ratio | 10.6424% | 2,766 |
Tier 1 risk-based capital ratio | 12.6644% | 4,200 |
Total risk-based capital ratio | 13.9147% | 4,119 |
Memoranda: | ||
Average total assets | $1,165,767,000 | 642 |
Average earning assets | $1,075,854,000 | 634 |
Average equity | $124,891,670 | 665 |
Average total loans | $811,368,000 | 651 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1432% | 2,502 |
Cost of funding earning assets | 0.2748% | 4,307 |
Net interest margin | 3.8685% | 1,893 |
Noninterest income to average assets | 0.4696% | 3,191 |
Noninterest expense to average assets | 2.7517% | 2,945 |
Loan and lease loss provision to assets | 0.0700% | 2,408 |
Net operating income to assets | 0.9556% | 2,502 |
Return on assets (ROA) | 0.9736% | 2,474 |
Pretax return on assets | 1.2408% | 2,447 |
Return on Equity (ROE) | 8.9916% | 2,429 |
Retained earnings to average equity (ytd only) | 5.4337% | 2,642 |
Net charge-offs to loans | 0.0510% | 1,840 |
Credit loss provision to net charge-offs | 194.1748% | 1,027 |
Earnings coverage of net charge-offs (x) | 35.6990% | 1,116 |
Efficiency ratio | 67.6435% | 3,260 |
Assets per employee ($millions) | 5.9528% | 1,540 |
Cash dividends to net income (ytd only)* | 39.5683% | 2,016 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4343% | 1,927 |
Loan loss allowance to noncurrent loans | 116.4449% | 3,338 |
Noncurrent assets plus other real estate owned to assets | 0.9459% | 1,943 |
Noncurrent loans to loans | 1.2317% | 1,642 |
Net loans and leases to total assets | 69.9947% | 2,379 |
Net loans and leases to deposits | 79.5744% | 2,804 |
Net loans and leases to core deposits | 89.5733% | 2,390 |
Total domestic deposits to total assets | 87.9613% | 1,740 |
Equity capital to assets | 10.9048% | 2,740 |
Core capital (leverage) ratio | 10.6707% | 2,717 |
Tier 1 risk-based capital ratio | 12.5889% | 4,331 |
Total risk-based capital ratio | 13.8392% | 4,242 |
Memoranda: | ||
Average total assets | $1,142,140,000 | 661 |
Average earning assets | $1,053,962,000 | 647 |
Average equity | $123,671,500 | 666 |
Average total loans | $808,587,500 | 656 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1651% | 2,610 |
Cost of funding earning assets | 0.3370% | 3,669 |
Net interest margin | 3.8282% | 2,218 |
Noninterest income to average assets | 0.2953% | 4,628 |
Noninterest expense to average assets | 2.9982% | 2,362 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.6526% | 3,986 |
Return on assets (ROA) | 0.6704% | 4,022 |
Pretax return on assets | 0.8510% | 4,010 |
Return on Equity (ROE) | 5.9878% | 3,989 |
Retained earnings to average equity (ytd only) | 2.5266% | 4,078 |
Net charge-offs to loans | -0.0481% | 5,386 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.9034% | 1,705 |
Assets per employee ($millions) | 5.9756% | 1,502 |
Cash dividends to net income (ytd only)* | 57.8035% | 1,888 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4331% | 1,946 |
Loan loss allowance to noncurrent loans | 101.3877% | 3,601 |
Noncurrent assets plus other real estate owned to assets | 1.0641% | 1,772 |
Noncurrent loans to loans | 1.4135% | 1,439 |
Net loans and leases to total assets | 69.5667% | 2,547 |
Net loans and leases to deposits | 78.9917% | 2,992 |
Net loans and leases to core deposits | 89.8538% | 2,515 |
Total domestic deposits to total assets | 88.0684% | 1,599 |
Equity capital to assets | 10.7512% | 2,868 |
Core capital (leverage) ratio | 10.8015% | 2,532 |
Tier 1 risk-based capital ratio | 12.3036% | 4,502 |
Total risk-based capital ratio | 13.5474% | 4,391 |
Memoranda: | ||
Average total assets | $1,083,877,000 | 664 |
Average earning assets | $999,847,400 | 663 |
Average equity | $121,347,400 | 658 |
Average total loans | $756,722,800 | 662 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1587% | 2,648 |
Cost of funding earning assets | 0.3571% | 3,464 |
Net interest margin | 3.8016% | 2,323 |
Noninterest income to average assets | 0.2921% | 4,673 |
Noninterest expense to average assets | 3.0928% | 2,045 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.5396% | 4,539 |
Return on assets (ROA) | 0.5577% | 4,572 |
Pretax return on assets | 0.7305% | 4,528 |
Return on Equity (ROE) | 4.9296% | 4,546 |
Retained earnings to average equity (ytd only) | 1.4588% | 4,929 |
Net charge-offs to loans | -0.1198% | 5,637 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.9758% | 1,304 |
Assets per employee ($millions) | 5.8206% | 1,565 |
Cash dividends to net income (ytd only)* | 70.4069% | 1,027 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5188% | 1,698 |
Loan loss allowance to noncurrent loans | 117.4331% | 3,284 |
Noncurrent assets plus other real estate owned to assets | 0.9789% | 2,115 |
Noncurrent loans to loans | 1.2933% | 1,725 |
Net loans and leases to total assets | 69.1106% | 2,624 |
Net loans and leases to deposits | 78.7026% | 3,113 |
Net loans and leases to core deposits | 89.1603% | 2,653 |
Total domestic deposits to total assets | 87.8124% | 1,496 |
Equity capital to assets | 11.0688% | 2,943 |
Core capital (leverage) ratio | 11.0276% | 2,424 |
Tier 1 risk-based capital ratio | 12.6192% | 4,395 |
Total risk-based capital ratio | 13.8701% | 4,300 |
Memoranda: | ||
Average total assets | $1,069,511,750 | 673 |
Average earning assets | $986,718,000 | 672 |
Average equity | $121,007,500 | 661 |
Average total loans | $744,519,750 | 672 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1739% | 2,589 |
Cost of funding earning assets | 0.3973% | 3,068 |
Net interest margin | 3.7766% | 2,417 |
Noninterest income to average assets | 0.2814% | 4,776 |
Noninterest expense to average assets | 3.3656% | 1,450 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.2892% | 5,354 |
Return on assets (ROA) | 0.3058% | 5,396 |
Pretax return on assets | 0.4275% | 5,289 |
Return on Equity (ROE) | 2.6827% | 5,334 |
Retained earnings to average equity (ytd only) | -0.8078% | 5,413 |
Net charge-offs to loans | -0.1867% | 5,797 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 88.8967% | 666 |
Assets per employee ($millions) | 5.6141% | 1,689 |
Cash dividends to net income (ytd only)* | 130.1115% | 284 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5710% | 1,611 |
Loan loss allowance to noncurrent loans | 108.6347% | 3,538 |
Noncurrent assets plus other real estate owned to assets | 1.0898% | 1,941 |
Noncurrent loans to loans | 1.4462% | 1,532 |
Net loans and leases to total assets | 69.3189% | 2,580 |
Net loans and leases to deposits | 79.2215% | 3,031 |
Net loans and leases to core deposits | 89.4869% | 2,587 |
Total domestic deposits to total assets | 87.5001% | 1,667 |
Equity capital to assets | 11.3220% | 2,722 |
Core capital (leverage) ratio | 11.1405% | 2,287 |
Tier 1 risk-based capital ratio | 12.8013% | 4,315 |
Total risk-based capital ratio | 14.0528% | 4,225 |
Memoranda: | ||
Average total assets | $1,055,438,000 | 683 |
Average earning assets | $974,960,000 | 683 |
Average equity | $120,325,000 | 665 |
Average total loans | $732,635,000 | 682 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1270% | 2,740 |
Cost of funding earning assets | 0.5159% | 1,981 |
Net interest margin | 3.6112% | 3,042 |
Noninterest income to average assets | 0.2422% | 5,003 |
Noninterest expense to average assets | 3.7161% | 876 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | -0.2147% | 5,890 |
Return on assets (ROA) | -0.1788% | 5,894 |
Pretax return on assets | -0.0978% | 5,864 |
Return on Equity (ROE) | -1.5628% | 5,892 |
Retained earnings to average equity (ytd only) | -5.0691% | 5,611 |
Net charge-offs to loans | -0.1747% | 5,812 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 103.5192% | 219 |
Assets per employee ($millions) | 5.6125% | 1,735 |
Cash dividends to net income (ytd only)* | -224.3590% | 6,108 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5850% | 1,653 |
Loan loss allowance to noncurrent loans | 98.2731% | 3,666 |
Noncurrent assets plus other real estate owned to assets | 1.1793% | 1,870 |
Noncurrent loans to loans | 1.6129% | 1,429 |
Net loans and leases to total assets | 66.2339% | 2,914 |
Net loans and leases to deposits | 76.0402% | 3,219 |
Net loans and leases to core deposits | 86.6472% | 2,692 |
Total domestic deposits to total assets | 87.1038% | 2,159 |
Equity capital to assets | 11.1138% | 2,813 |
Core capital (leverage) ratio | 11.3568% | 2,088 |
Tier 1 risk-based capital ratio | 13.0691% | 4,221 |
Total risk-based capital ratio | 14.3206% | 4,134 |
Memoranda: | ||
Average total assets | $1,047,008,500 | 687 |
Average earning assets | $968,442,000 | 689 |
Average equity | $119,784,500 | 672 |
Average total loans | $721,368,500 | 691 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2796% | 2,282 |
Cost of funding earning assets | 0.5126% | 2,049 |
Net interest margin | 3.7671% | 2,496 |
Noninterest income to average assets | 0.2287% | 5,227 |
Noninterest expense to average assets | 2.4637% | 4,343 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.9140% | 2,794 |
Return on assets (ROA) | 0.9466% | 2,707 |
Pretax return on assets | 1.2947% | 2,306 |
Return on Equity (ROE) | 8.0860% | 2,915 |
Retained earnings to average equity (ytd only) | 5.6380% | 1,992 |
Net charge-offs to loans | -0.0515% | 5,559 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.3391% | 3,848 |
Assets per employee ($millions) | 6.0501% | 1,350 |
Cash dividends to net income (ytd only)* | 30.2741% | 3,334 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5582% | 1,768 |
Loan loss allowance to noncurrent loans | 79.3020% | 4,155 |
Noncurrent assets plus other real estate owned to assets | 1.5270% | 1,319 |
Noncurrent loans to loans | 1.9649% | 1,073 |
Net loans and leases to total assets | 69.4917% | 2,454 |
Net loans and leases to deposits | 87.7738% | 1,904 |
Net loans and leases to core deposits | 107.1496% | 1,036 |
Total domestic deposits to total assets | 79.1713% | 4,947 |
Equity capital to assets | 11.7871% | 2,119 |
Core capital (leverage) ratio | 11.9779% | 1,632 |
Tier 1 risk-based capital ratio | 13.3079% | 4,100 |
Total risk-based capital ratio | 14.5589% | 4,047 |
Memoranda: | ||
Average total assets | $994,546,200 | 691 |
Average earning assets | $920,102,400 | 686 |
Average equity | $116,423,400 | 661 |
Average total loans | $699,507,400 | 661 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3081% | 2,200 |
Cost of funding earning assets | 0.5043% | 2,173 |
Net interest margin | 3.8038% | 2,365 |
Noninterest income to average assets | 0.2312% | 5,271 |
Noninterest expense to average assets | 2.4240% | 4,444 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.9414% | 2,754 |
Return on assets (ROA) | 0.9810% | 2,648 |
Pretax return on assets | 1.3796% | 2,100 |
Return on Equity (ROE) | 8.3947% | 2,877 |
Retained earnings to average equity (ytd only) | 6.1452% | 2,153 |
Net charge-offs to loans | -0.0136% | 5,078 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.6765% | 4,117 |
Assets per employee ($millions) | 6.1926% | 1,246 |
Cash dividends to net income (ytd only)* | 26.7968% | 2,957 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5142% | 2,095 |
Loan loss allowance to noncurrent loans | 69.8454% | 4,422 |
Noncurrent assets plus other real estate owned to assets | 1.7277% | 1,252 |
Noncurrent loans to loans | 2.1679% | 1,025 |
Net loans and leases to total assets | 71.4923% | 2,142 |
Net loans and leases to deposits | 90.7649% | 1,556 |
Net loans and leases to core deposits | 109.8056% | 885 |
Total domestic deposits to total assets | 78.7665% | 5,037 |
Equity capital to assets | 11.9220% | 2,167 |
Core capital (leverage) ratio | 11.9491% | 1,704 |
Tier 1 risk-based capital ratio | 13.1963% | 4,324 |
Total risk-based capital ratio | 14.4474% | 4,249 |
Memoranda: | ||
Average total assets | $989,077,250 | 702 |
Average earning assets | $914,442,750 | 694 |
Average equity | $115,577,500 | 669 |
Average total loans | $695,007,000 | 665 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3162% | 2,120 |
Cost of funding earning assets | 0.4882% | 2,368 |
Net interest margin | 3.8279% | 2,210 |
Noninterest income to average assets | 0.2260% | 5,345 |
Noninterest expense to average assets | 2.5348% | 4,120 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.8800% | 2,987 |
Return on assets (ROA) | 0.9202% | 2,910 |
Pretax return on assets | 1.2830% | 2,423 |
Return on Equity (ROE) | 7.9283% | 3,099 |
Retained earnings to average equity (ytd only) | 5.6621% | 2,429 |
Net charge-offs to loans | -0.1695% | 5,974 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.3802% | 3,772 |
Assets per employee ($millions) | 6.3477% | 1,125 |
Cash dividends to net income (ytd only)* | 28.5840% | 2,868 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6284% | 1,816 |
Loan loss allowance to noncurrent loans | 67.2248% | 4,557 |
Noncurrent assets plus other real estate owned to assets | 1.8668% | 1,225 |
Noncurrent loans to loans | 2.4224% | 930 |
Net loans and leases to total assets | 70.0051% | 2,313 |
Net loans and leases to deposits | 90.5143% | 1,535 |
Net loans and leases to core deposits | 109.3535% | 870 |
Total domestic deposits to total assets | 77.3415% | 5,403 |
Equity capital to assets | 11.7902% | 2,169 |
Core capital (leverage) ratio | 11.7454% | 1,809 |
Tier 1 risk-based capital ratio | 13.2723% | 4,363 |
Total risk-based capital ratio | 14.5246% | 4,293 |
Memoranda: | ||
Average total assets | $988,496,330 | 704 |
Average earning assets | $913,081,330 | 695 |
Average equity | $114,728,000 | 676 |
Average total loans | $686,925,670 | 674 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2085% | 2,419 |
Cost of funding earning assets | 0.4849% | 2,419 |
Net interest margin | 3.7236% | 2,538 |
Noninterest income to average assets | 0.2301% | 5,312 |
Noninterest expense to average assets | 2.6286% | 3,830 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.7338% | 3,625 |
Return on assets (ROA) | 0.7945% | 3,425 |
Pretax return on assets | 1.1296% | 2,951 |
Return on Equity (ROE) | 6.8998% | 3,559 |
Retained earnings to average equity (ytd only) | 4.6209% | 3,258 |
Net charge-offs to loans | -0.2799% | 6,128 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.5967% | 3,235 |
Assets per employee ($millions) | 6.2344% | 1,234 |
Cash dividends to net income (ytd only)* | 33.0285% | 2,257 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6148% | 1,998 |
Loan loss allowance to noncurrent loans | 61.0166% | 4,687 |
Noncurrent assets plus other real estate owned to assets | 2.0319% | 1,165 |
Noncurrent loans to loans | 2.6464% | 898 |
Net loans and leases to total assets | 69.8708% | 2,163 |
Net loans and leases to deposits | 90.2146% | 1,366 |
Net loans and leases to core deposits | 108.5150% | 802 |
Total domestic deposits to total assets | 77.4495% | 5,542 |
Equity capital to assets | 11.6647% | 2,330 |
Core capital (leverage) ratio | 11.7294% | 1,831 |
Tier 1 risk-based capital ratio | 13.0459% | 4,578 |
Total risk-based capital ratio | 14.2979% | 4,492 |
Memoranda: | ||
Average total assets | $990,797,500 | 702 |
Average earning assets | $915,674,500 | 694 |
Average equity | $114,090,500 | 673 |
Average total loans | $680,299,500 | 684 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1187% | 3,254 |
Cost of funding earning assets | 0.4148% | 3,543 |
Net interest margin | 3.7039% | 2,994 |
Noninterest income to average assets | 0.3611% | 4,509 |
Noninterest expense to average assets | 2.6017% | 4,213 |
Loan and lease loss provision to assets | 0.3271% | 596 |
Net operating income to assets | 0.7914% | 3,418 |
Return on assets (ROA) | 0.7763% | 3,581 |
Pretax return on assets | 0.8460% | 4,091 |
Return on Equity (ROE) | 6.5791% | 3,858 |
Retained earnings to average equity (ytd only) | -2.2384% | 6,035 |
Net charge-offs to loans | 1.0406% | 281 |
Credit loss provision to net charge-offs | 48.6441% | 3,510 |
Earnings coverage of net charge-offs (x) | 1.7691% | 4,338 |
Efficiency ratio | 68.6248% | 3,788 |
Assets per employee ($millions) | 6.3475% | 1,151 |
Cash dividends to net income (ytd only)* | 134.0234% | 178 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6368% | 1,964 |
Loan loss allowance to noncurrent loans | 49.9262% | 5,108 |
Noncurrent assets plus other real estate owned to assets | 2.2250% | 1,091 |
Noncurrent loans to loans | 3.2784% | 655 |
Net loans and leases to total assets | 65.2476% | 3,013 |
Net loans and leases to deposits | 82.3822% | 2,424 |
Net loans and leases to core deposits | 102.1992% | 1,232 |
Total domestic deposits to total assets | 79.2012% | 5,203 |
Equity capital to assets | 11.3670% | 2,541 |
Core capital (leverage) ratio | 11.5727% | 1,926 |
Tier 1 risk-based capital ratio | 13.8879% | 4,175 |
Total risk-based capital ratio | 15.1398% | 4,116 |
Memoranda: | ||
Average total assets | $970,759,400 | 693 |
Average earning assets | $899,000,800 | 683 |
Average equity | $114,544,400 | 636 |
Average total loans | $627,244,400 | 699 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0900% | 3,420 |
Cost of funding earning assets | 0.3840% | 3,971 |
Net interest margin | 3.7060% | 3,001 |
Noninterest income to average assets | 0.4064% | 4,203 |
Noninterest expense to average assets | 2.4781% | 4,600 |
Loan and lease loss provision to assets | 0.3457% | 512 |
Net operating income to assets | 0.8701% | 3,074 |
Return on assets (ROA) | 0.8401% | 3,322 |
Pretax return on assets | 0.9799% | 3,676 |
Return on Equity (ROE) | 7.0530% | 3,687 |
Retained earnings to average equity (ytd only) | 1.2490% | 5,396 |
Net charge-offs to loans | 1.3514% | 193 |
Credit loss provision to net charge-offs | 39.8597% | 3,290 |
Earnings coverage of net charge-offs (x) | 1.5687% | 4,124 |
Efficiency ratio | 64.5595% | 4,454 |
Assets per employee ($millions) | 6.4712% | 1,038 |
Cash dividends to net income (ytd only)* | 82.2910% | 687 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6003% | 2,303 |
Loan loss allowance to noncurrent loans | 42.4680% | 5,378 |
Noncurrent assets plus other real estate owned to assets | 2.5464% | 1,016 |
Noncurrent loans to loans | 3.7682% | 598 |
Net loans and leases to total assets | 65.4429% | 2,958 |
Net loans and leases to deposits | 83.2350% | 2,260 |
Net loans and leases to core deposits | 101.2419% | 1,269 |
Total domestic deposits to total assets | 78.6242% | 5,409 |
Equity capital to assets | 11.9235% | 2,126 |
Core capital (leverage) ratio | 11.8350% | 1,806 |
Tier 1 risk-based capital ratio | 14.6893% | 3,761 |
Total risk-based capital ratio | 15.9410% | 3,704 |
Memoranda: | ||
Average total assets | $964,308,000 | 695 |
Average earning assets | $893,045,000 | 690 |
Average equity | $114,860,500 | 627 |
Average total loans | $618,791,750 | 699 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0899% | 3,389 |
Cost of funding earning assets | 0.3397% | 4,541 |
Net interest margin | 3.7502% | 2,757 |
Noninterest income to average assets | 0.4848% | 3,596 |
Noninterest expense to average assets | 2.4941% | 4,591 |
Loan and lease loss provision to assets | 0.3021% | 650 |
Net operating income to assets | 1.0048% | 2,305 |
Return on assets (ROA) | 0.9539% | 2,628 |
Pretax return on assets | 1.1096% | 3,068 |
Return on Equity (ROE) | 8.0115% | 3,089 |
Retained earnings to average equity (ytd only) | 1.1880% | 5,279 |
Net charge-offs to loans | 1.8868% | 125 |
Credit loss provision to net charge-offs | 25.2613% | 3,115 |
Earnings coverage of net charge-offs (x) | 1.2300% | 3,866 |
Efficiency ratio | 62.9046% | 4,875 |
Assets per employee ($millions) | 6.3363% | 1,099 |
Cash dividends to net income (ytd only)* | 85.1714% | 788 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5948% | 2,482 |
Loan loss allowance to noncurrent loans | 35.9633% | 5,615 |
Noncurrent assets plus other real estate owned to assets | 2.9388% | 877 |
Noncurrent loans to loans | 4.4346% | 503 |
Net loans and leases to total assets | 63.3088% | 3,194 |
Net loans and leases to deposits | 80.7176% | 2,418 |
Net loans and leases to core deposits | 95.2504% | 1,663 |
Total domestic deposits to total assets | 78.4325% | 5,563 |
Equity capital to assets | 12.0099% | 1,973 |
Core capital (leverage) ratio | 12.1068% | 1,601 |
Tier 1 risk-based capital ratio | 15.1505% | 3,554 |
Total risk-based capital ratio | 16.4019% | 3,502 |
Memoranda: | ||
Average total assets | $960,025,330 | 697 |
Average earning assets | $890,881,670 | 686 |
Average equity | $114,310,330 | 621 |
Average total loans | $608,429,330 | 712 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0668% | 3,410 |
Cost of funding earning assets | 0.3283% | 4,757 |
Net interest margin | 3.7385% | 2,717 |
Noninterest income to average assets | 0.0868% | 6,373 |
Noninterest expense to average assets | 2.5048% | 4,605 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.9792% | 2,285 |
Return on assets (ROA) | 0.8852% | 2,783 |
Pretax return on assets | 0.9636% | 3,466 |
Return on Equity (ROE) | 7.4663% | 3,226 |
Retained earnings to average equity (ytd only) | -4.8543% | 6,114 |
Net charge-offs to loans | 2.9355% | 68 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 0.5773% | 3,313 |
Efficiency ratio | 70.1496% | 3,817 |
Assets per employee ($millions) | 6.5440% | 1,000 |
Cash dividends to net income (ytd only)* | 165.0165% | 339 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6050% | 2,679 |
Loan loss allowance to noncurrent loans | 39.4544% | 5,590 |
Noncurrent assets plus other real estate owned to assets | 2.6154% | 1,184 |
Noncurrent loans to loans | 4.0679% | 656 |
Net loans and leases to total assets | 61.7052% | 3,284 |
Net loans and leases to deposits | 78.3049% | 2,506 |
Net loans and leases to core deposits | 94.5018% | 1,512 |
Total domestic deposits to total assets | 78.8012% | 5,715 |
Equity capital to assets | 11.7482% | 2,058 |
Core capital (leverage) ratio | 12.0051% | 1,651 |
Tier 1 risk-based capital ratio | 15.1111% | 3,650 |
Total risk-based capital ratio | 16.3625% | 3,604 |
Memoranda: | ||
Average total assets | $958,478,000 | 709 |
Average earning assets | $893,187,500 | 687 |
Average equity | $113,630,500 | 626 |
Average total loans | $602,833,000 | 719 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1947% | 3,365 |
Cost of funding earning assets | 0.3472% | 5,167 |
Net interest margin | 3.8475% | 2,475 |
Noninterest income to average assets | 0.2216% | 5,750 |
Noninterest expense to average assets | 2.2750% | 5,444 |
Loan and lease loss provision to assets | 0.2877% | 1,193 |
Net operating income to assets | 0.8323% | 3,123 |
Return on assets (ROA) | 0.9010% | 2,858 |
Pretax return on assets | 1.3613% | 1,930 |
Return on Equity (ROE) | 7.3584% | 3,381 |
Retained earnings to average equity (ytd only) | -3.0874% | 6,270 |
Net charge-offs to loans | -0.0516% | 6,344 |
Credit loss provision to net charge-offs | -862.0690% | 6,207 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.4062% | 5,553 |
Assets per employee ($millions) | 6.4962% | 986 |
Cash dividends to net income (ytd only)* | 141.9580% | 170 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3687% | 963 |
Loan loss allowance to noncurrent loans | 47.5634% | 5,352 |
Noncurrent assets plus other real estate owned to assets | 3.2378% | 943 |
Noncurrent loans to loans | 4.9801% | 507 |
Net loans and leases to total assets | 61.5876% | 3,427 |
Net loans and leases to deposits | 78.1457% | 2,704 |
Net loans and leases to core deposits | 94.0844% | 1,598 |
Total domestic deposits to total assets | 78.8112% | 5,686 |
Equity capital to assets | 11.9647% | 1,831 |
Core capital (leverage) ratio | 12.4858% | 1,371 |
Tier 1 risk-based capital ratio | 15.5296% | 3,356 |
Total risk-based capital ratio | 16.7884% | 3,303 |
Memoranda: | ||
Average total assets | $955,716,000 | 693 |
Average earning assets | $893,828,400 | 667 |
Average equity | $117,023,400 | 609 |
Average total loans | $617,630,800 | 675 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1838% | 3,444 |
Cost of funding earning assets | 0.3559% | 5,242 |
Net interest margin | 3.8279% | 2,549 |
Noninterest income to average assets | 0.2207% | 5,845 |
Noninterest expense to average assets | 2.2594% | 5,458 |
Loan and lease loss provision to assets | 0.3829% | 808 |
Net operating income to assets | 0.7881% | 3,408 |
Return on assets (ROA) | 0.8763% | 3,073 |
Pretax return on assets | 1.2893% | 2,370 |
Return on Equity (ROE) | 7.1160% | 3,579 |
Retained earnings to average equity (ytd only) | -3.4285% | 6,389 |
Net charge-offs to loans | 0.0666% | 3,963 |
Credit loss provision to net charge-offs | 884.2444% | 343 |
Earnings coverage of net charge-offs (x) | 35.6203% | 1,089 |
Efficiency ratio | 59.3430% | 5,517 |
Assets per employee ($millions) | 6.4009% | 974 |
Cash dividends to net income (ytd only)* | 148.1804% | 135 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2766% | 1,217 |
Loan loss allowance to noncurrent loans | 37.7572% | 5,711 |
Noncurrent assets plus other real estate owned to assets | 3.9677% | 788 |
Noncurrent loans to loans | 6.0295% | 424 |
Net loans and leases to total assets | 62.6315% | 3,236 |
Net loans and leases to deposits | 79.9577% | 2,414 |
Net loans and leases to core deposits | 97.0467% | 1,312 |
Total domestic deposits to total assets | 78.3308% | 5,853 |
Equity capital to assets | 12.2696% | 1,732 |
Core capital (leverage) ratio | 12.4216% | 1,458 |
Tier 1 risk-based capital ratio | 15.1937% | 3,633 |
Total risk-based capital ratio | 16.4509% | 3,584 |
Memoranda: | ||
Average total assets | $957,533,000 | 689 |
Average earning assets | $895,815,250 | 667 |
Average equity | $117,909,500 | 609 |
Average total loans | $622,464,000 | 674 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1229% | 3,647 |
Cost of funding earning assets | 0.3663% | 5,255 |
Net interest margin | 3.7566% | 2,736 |
Noninterest income to average assets | 0.2438% | 5,711 |
Noninterest expense to average assets | 2.1719% | 5,695 |
Loan and lease loss provision to assets | 0.5065% | 533 |
Net operating income to assets | 0.8088% | 3,241 |
Return on assets (ROA) | 0.8998% | 2,939 |
Pretax return on assets | 1.2143% | 2,605 |
Return on Equity (ROE) | 7.2987% | 3,444 |
Retained earnings to average equity (ytd only) | -2.0930% | 6,204 |
Net charge-offs to loans | 0.1330% | 3,049 |
Credit loss provision to net charge-offs | 583.3333% | 496 |
Earnings coverage of net charge-offs (x) | 18.4000% | 1,553 |
Efficiency ratio | 57.5276% | 5,794 |
Assets per employee ($millions) | 6.8536% | 767 |
Cash dividends to net income (ytd only)* | 128.6765% | 294 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1260% | 1,568 |
Loan loss allowance to noncurrent loans | 36.4583% | 5,778 |
Noncurrent assets plus other real estate owned to assets | 3.9240% | 897 |
Noncurrent loans to loans | 5.8313% | 508 |
Net loans and leases to total assets | 63.4653% | 3,013 |
Net loans and leases to deposits | 86.8794% | 1,472 |
Net loans and leases to core deposits | 105.4946% | 764 |
Total domestic deposits to total assets | 73.0498% | 6,502 |
Equity capital to assets | 12.3771% | 1,653 |
Core capital (leverage) ratio | 12.5692% | 1,331 |
Tier 1 risk-based capital ratio | 14.5558% | 4,065 |
Total risk-based capital ratio | 15.8112% | 4,031 |
Memoranda: | ||
Average total assets | $967,333,670 | 681 |
Average earning assets | $907,949,670 | 655 |
Average equity | $119,253,330 | 604 |
Average total loans | $631,670,670 | 665 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1474% | 3,524 |
Cost of funding earning assets | 0.3840% | 5,244 |
Net interest margin | 3.7635% | 2,598 |
Noninterest income to average assets | 0.2676% | 5,540 |
Noninterest expense to average assets | 2.2149% | 5,648 |
Loan and lease loss provision to assets | 0.4309% | 689 |
Net operating income to assets | 0.8623% | 2,851 |
Return on assets (ROA) | 0.9197% | 2,711 |
Pretax return on assets | 1.2390% | 2,438 |
Return on Equity (ROE) | 7.4747% | 3,229 |
Retained earnings to average equity (ytd only) | -5.8670% | 6,411 |
Net charge-offs to loans | 0.5029% | 1,200 |
Credit loss provision to net charge-offs | 130.7597% | 1,513 |
Earnings coverage of net charge-offs (x) | 4.8319% | 2,469 |
Efficiency ratio | 58.0899% | 5,837 |
Assets per employee ($millions) | 6.9083% | 803 |
Cash dividends to net income (ytd only)* | 178.4917% | 267 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8518% | 2,441 |
Loan loss allowance to noncurrent loans | 29.8018% | 6,038 |
Noncurrent assets plus other real estate owned to assets | 4.0931% | 959 |
Noncurrent loans to loans | 6.2137% | 525 |
Net loans and leases to total assets | 61.7580% | 3,113 |
Net loans and leases to deposits | 86.0186% | 1,350 |
Net loans and leases to core deposits | 106.4662% | 625 |
Total domestic deposits to total assets | 71.7961% | 6,668 |
Equity capital to assets | 12.2309% | 1,883 |
Core capital (leverage) ratio | 12.3575% | 1,400 |
Tier 1 risk-based capital ratio | 13.7205% | 4,706 |
Total risk-based capital ratio | 14.9722% | 4,671 |
Memoranda: | ||
Average total assets | $974,677,000 | 679 |
Average earning assets | $916,708,000 | 656 |
Average equity | $119,925,000 | 614 |
Average total loans | $638,639,500 | 656 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5666% | 3,139 |
Cost of funding earning assets | 0.5446% | 4,863 |
Net interest margin | 4.0219% | 2,308 |
Noninterest income to average assets | 0.1410% | 6,330 |
Noninterest expense to average assets | 2.1186% | 6,088 |
Loan and lease loss provision to assets | 1.0023% | 419 |
Net operating income to assets | 0.6194% | 4,147 |
Return on assets (ROA) | 0.9291% | 2,903 |
Pretax return on assets | 1.2187% | 2,730 |
Return on Equity (ROE) | 7.3031% | 3,462 |
Retained earnings to average equity (ytd only) | 2.0366% | 4,794 |
Net charge-offs to loans | 1.3917% | 659 |
Credit loss provision to net charge-offs | 105.3930% | 2,824 |
Earnings coverage of net charge-offs (x) | 1.9069% | 4,467 |
Efficiency ratio | 53.6553% | 6,295 |
Assets per employee ($millions) | 6.8682% | 824 |
Cash dividends to net income (ytd only)* | 72.1138% | 1,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6712% | 3,034 |
Loan loss allowance to noncurrent loans | 28.7851% | 6,108 |
Noncurrent assets plus other real estate owned to assets | 4.2688% | 985 |
Noncurrent loans to loans | 5.8059% | 622 |
Net loans and leases to total assets | 66.9815% | 2,365 |
Net loans and leases to deposits | 92.9631% | 831 |
Net loans and leases to core deposits | 114.9062% | 388 |
Total domestic deposits to total assets | 72.0517% | 6,688 |
Equity capital to assets | 12.3771% | 1,806 |
Core capital (leverage) ratio | 12.6539% | 1,253 |
Tier 1 risk-based capital ratio | 14.0592% | 4,338 |
Total risk-based capital ratio | 15.3104% | 4,298 |
Memoranda: | ||
Average total assets | $937,886,000 | 702 |
Average earning assets | $884,055,200 | 672 |
Average equity | $119,319,000 | 606 |
Average total loans | $640,852,600 | 647 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6410% | 3,055 |
Cost of funding earning assets | 0.5822% | 4,822 |
Net interest margin | 4.0588% | 2,263 |
Noninterest income to average assets | 0.1315% | 6,477 |
Noninterest expense to average assets | 2.1470% | 6,072 |
Loan and lease loss provision to assets | 0.6964% | 731 |
Net operating income to assets | 0.8429% | 3,240 |
Return on assets (ROA) | 1.0300% | 2,583 |
Pretax return on assets | 1.3666% | 2,357 |
Return on Equity (ROE) | 8.0387% | 3,273 |
Retained earnings to average equity (ytd only) | 1.7550% | 5,451 |
Net charge-offs to loans | 1.0314% | 1,024 |
Credit loss provision to net charge-offs | 98.7378% | 3,040 |
Earnings coverage of net charge-offs (x) | 2.5713% | 4,011 |
Efficiency ratio | 53.9374% | 6,257 |
Assets per employee ($millions) | 6.8200% | 806 |
Cash dividends to net income (ytd only)* | 78.1681% | 692 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6694% | 3,261 |
Loan loss allowance to noncurrent loans | 41.2049% | 5,588 |
Noncurrent assets plus other real estate owned to assets | 3.0473% | 1,709 |
Noncurrent loans to loans | 4.0514% | 1,254 |
Net loans and leases to total assets | 66.0899% | 2,633 |
Net loans and leases to deposits | 89.7603% | 1,176 |
Net loans and leases to core deposits | 110.2659% | 559 |
Total domestic deposits to total assets | 73.6293% | 6,629 |
Equity capital to assets | 12.8461% | 1,681 |
Core capital (leverage) ratio | 12.7078% | 1,313 |
Tier 1 risk-based capital ratio | 14.1096% | 4,450 |
Total risk-based capital ratio | 15.3602% | 4,412 |
Memoranda: | ||
Average total assets | $928,536,500 | 717 |
Average earning assets | $875,967,500 | 685 |
Average equity | $118,970,750 | 604 |
Average total loans | $634,975,000 | 656 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6240% | 3,258 |
Cost of funding earning assets | 0.6238% | 4,686 |
Net interest margin | 4.0001% | 2,502 |
Noninterest income to average assets | 0.0816% | 6,751 |
Noninterest expense to average assets | 2.1466% | 6,133 |
Loan and lease loss provision to assets | 0.6383% | 904 |
Net operating income to assets | 0.7806% | 3,464 |
Return on assets (ROA) | 0.9681% | 2,835 |
Pretax return on assets | 1.3272% | 2,457 |
Return on Equity (ROE) | 7.5621% | 3,472 |
Retained earnings to average equity (ytd only) | -0.6710% | 6,159 |
Net charge-offs to loans | 0.3382% | 2,670 |
Credit loss provision to net charge-offs | 274.4186% | 1,063 |
Earnings coverage of net charge-offs (x) | 7.3460% | 2,496 |
Efficiency ratio | 55.5393% | 6,171 |
Assets per employee ($millions) | 6.9347% | 748 |
Cash dividends to net income (ytd only)* | 108.8735% | 347 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9712% | 2,308 |
Loan loss allowance to noncurrent loans | 60.7535% | 4,606 |
Noncurrent assets plus other real estate owned to assets | 2.4985% | 2,239 |
Noncurrent loans to loans | 3.2445% | 1,795 |
Net loans and leases to total assets | 66.8814% | 2,486 |
Net loans and leases to deposits | 90.6912% | 1,080 |
Net loans and leases to core deposits | 110.1910% | 571 |
Total domestic deposits to total assets | 73.7463% | 6,696 |
Equity capital to assets | 12.7047% | 1,685 |
Core capital (leverage) ratio | 12.7203% | 1,248 |
Tier 1 risk-based capital ratio | 13.3702% | 4,921 |
Total risk-based capital ratio | 14.6231% | 4,879 |
Memoranda: | ||
Average total assets | $924,329,330 | 719 |
Average earning assets | $872,024,000 | 690 |
Average equity | $118,327,000 | 605 |
Average total loans | $635,776,670 | 655 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6218% | 3,401 |
Cost of funding earning assets | 0.6645% | 4,588 |
Net interest margin | 3.9573% | 2,679 |
Noninterest income to average assets | 0.1315% | 6,590 |
Noninterest expense to average assets | 2.3209% | 5,718 |
Loan and lease loss provision to assets | 0.5641% | 1,030 |
Net operating income to assets | 0.7158% | 3,804 |
Return on assets (ROA) | 0.9173% | 3,054 |
Pretax return on assets | 1.2657% | 2,668 |
Return on Equity (ROE) | 7.1382% | 3,699 |
Retained earnings to average equity (ytd only) | 7.1382% | 2,359 |
Net charge-offs to loans | 0.3449% | 2,269 |
Credit loss provision to net charge-offs | 236.7942% | 1,194 |
Earnings coverage of net charge-offs (x) | 6.5064% | 2,197 |
Efficiency ratio | 59.8251% | 5,642 |
Assets per employee ($millions) | 6.9232% | 786 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7927% | 3,020 |
Loan loss allowance to noncurrent loans | 54.4319% | 4,821 |
Noncurrent assets plus other real estate owned to assets | 2.4769% | 2,385 |
Noncurrent loans to loans | 3.2934% | 1,937 |
Net loans and leases to total assets | 67.6636% | 2,175 |
Net loans and leases to deposits | 93.2602% | 712 |
Net loans and leases to core deposits | 116.3417% | 377 |
Total domestic deposits to total assets | 72.5535% | 6,850 |
Equity capital to assets | 12.8387% | 1,520 |
Core capital (leverage) ratio | 12.5965% | 1,296 |
Tier 1 risk-based capital ratio | 13.9811% | 4,486 |
Total risk-based capital ratio | 15.2334% | 4,444 |
Memoranda: | ||
Average total assets | $921,870,000 | 722 |
Average earning assets | $871,089,000 | 690 |
Average equity | $118,461,500 | 606 |
Average total loans | $636,669,500 | 649 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8793% | 3,457 |
Cost of funding earning assets | 0.8382% | 4,558 |
Net interest margin | 4.0411% | 2,676 |
Noninterest income to average assets | 0.1639% | 6,319 |
Noninterest expense to average assets | 2.0400% | 6,605 |
Loan and lease loss provision to assets | 0.9994% | 948 |
Net operating income to assets | 0.7017% | 3,481 |
Return on assets (ROA) | 0.8304% | 3,069 |
Pretax return on assets | 1.1008% | 2,833 |
Return on Equity (ROE) | 6.6460% | 3,565 |
Retained earnings to average equity (ytd only) | 6.6460% | 1,671 |
Net charge-offs to loans | 1.7725% | 839 |
Credit loss provision to net charge-offs | 80.5531% | 4,423 |
Earnings coverage of net charge-offs (x) | 1.5545% | 4,606 |
Efficiency ratio | 51.3693% | 6,747 |
Assets per employee ($millions) | 6.8367% | 800 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6625% | 3,327 |
Loan loss allowance to noncurrent loans | 49.3748% | 5,064 |
Noncurrent assets plus other real estate owned to assets | 2.7351% | 2,225 |
Noncurrent loans to loans | 3.3671% | 1,924 |
Net loans and leases to total assets | 68.0757% | 2,382 |
Net loans and leases to deposits | 93.5525% | 843 |
Net loans and leases to core deposits | 112.9647% | 541 |
Total domestic deposits to total assets | 72.7674% | 6,830 |
Equity capital to assets | 12.8615% | 1,566 |
Core capital (leverage) ratio | 12.9655% | 1,156 |
Tier 1 risk-based capital ratio | 14.4605% | 3,999 |
Total risk-based capital ratio | 15.7119% | 3,976 |
Memoranda: | ||
Average total assets | $903,528,200 | 723 |
Average earning assets | $850,676,000 | 690 |
Average equity | $112,895,600 | 612 |
Average total loans | $632,431,600 | 651 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9474% | 3,342 |
Cost of funding earning assets | 0.8758% | 4,585 |
Net interest margin | 4.0716% | 2,590 |
Noninterest income to average assets | 0.1030% | 6,738 |
Noninterest expense to average assets | 1.9790% | 6,734 |
Loan and lease loss provision to assets | 1.0727% | 775 |
Net operating income to assets | 0.6507% | 3,870 |
Return on assets (ROA) | 0.8093% | 3,284 |
Pretax return on assets | 1.0970% | 3,029 |
Return on Equity (ROE) | 6.5263% | 3,754 |
Retained earnings to average equity (ytd only) | 6.5263% | 2,227 |
Net charge-offs to loans | 1.9957% | 637 |
Credit loss provision to net charge-offs | 76.5728% | 4,254 |
Earnings coverage of net charge-offs (x) | 1.3958% | 4,582 |
Efficiency ratio | 50.3017% | 6,813 |
Assets per employee ($millions) | 6.9353% | 761 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6215% | 3,566 |
Loan loss allowance to noncurrent loans | 53.9014% | 4,773 |
Noncurrent assets plus other real estate owned to assets | 2.3458% | 2,734 |
Noncurrent loans to loans | 3.0082% | 2,298 |
Net loans and leases to total assets | 70.7209% | 1,940 |
Net loans and leases to deposits | 97.9215% | 582 |
Net loans and leases to core deposits | 118.6922% | 424 |
Total domestic deposits to total assets | 72.2220% | 6,918 |
Equity capital to assets | 12.9162% | 1,658 |
Core capital (leverage) ratio | 13.0563% | 1,210 |
Tier 1 risk-based capital ratio | 15.1991% | 3,547 |
Total risk-based capital ratio | 16.4518% | 3,511 |
Memoranda: | ||
Average total assets | $898,673,000 | 738 |
Average earning assets | $845,648,250 | 702 |
Average equity | $111,443,250 | 624 |
Average total loans | $630,808,000 | 662 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0279% | 3,024 |
Cost of funding earning assets | 0.9121% | 4,570 |
Net interest margin | 4.1157% | 2,356 |
Noninterest income to average assets | 0.0592% | 7,010 |
Noninterest expense to average assets | 1.9851% | 6,822 |
Loan and lease loss provision to assets | 1.1124% | 729 |
Net operating income to assets | 0.6480% | 3,810 |
Return on assets (ROA) | 0.8070% | 3,162 |
Pretax return on assets | 1.0380% | 3,084 |
Return on Equity (ROE) | 6.6006% | 3,646 |
Retained earnings to average equity (ytd only) | 6.6006% | 2,081 |
Net charge-offs to loans | 1.4300% | 1,052 |
Credit loss provision to net charge-offs | 111.7344% | 2,742 |
Earnings coverage of net charge-offs (x) | 1.9551% | 3,885 |
Efficiency ratio | 50.4914% | 6,904 |
Assets per employee ($millions) | 6.5832% | 891 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1665% | 1,985 |
Loan loss allowance to noncurrent loans | 67.0407% | 4,084 |
Noncurrent assets plus other real estate owned to assets | 2.5320% | 2,637 |
Noncurrent loans to loans | 3.2316% | 2,214 |
Net loans and leases to total assets | 70.3101% | 2,155 |
Net loans and leases to deposits | 95.6032% | 759 |
Net loans and leases to core deposits | 117.5472% | 488 |
Total domestic deposits to total assets | 73.5436% | 6,883 |
Equity capital to assets | 13.1591% | 1,442 |
Core capital (leverage) ratio | 12.1570% | 1,526 |
Tier 1 risk-based capital ratio | 15.7588% | 3,100 |
Total risk-based capital ratio | 17.0176% | 3,073 |
Memoranda: | ||
Average total assets | $895,390,330 | 745 |
Average earning assets | $842,422,670 | 715 |
Average equity | $109,475,670 | 637 |
Average total loans | $623,376,000 | 683 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0003% | 3,105 |
Cost of funding earning assets | 0.9159% | 4,808 |
Net interest margin | 4.0844% | 2,326 |
Noninterest income to average assets | 0.1578% | 6,590 |
Noninterest expense to average assets | 1.9336% | 6,932 |
Loan and lease loss provision to assets | 1.0490% | 718 |
Net operating income to assets | 0.7486% | 3,281 |
Return on assets (ROA) | 0.8309% | 2,938 |
Pretax return on assets | 1.1316% | 2,637 |
Return on Equity (ROE) | 7.0469% | 3,353 |
Retained earnings to average equity (ytd only) | 7.0469% | 2,124 |
Net charge-offs to loans | 1.0396% | 1,315 |
Credit loss provision to net charge-offs | 147.1490% | 1,933 |
Earnings coverage of net charge-offs (x) | 2.9007% | 2,925 |
Efficiency ratio | 48.3233% | 7,106 |
Assets per employee ($millions) | 7.3107% | 635 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1915% | 1,983 |
Loan loss allowance to noncurrent loans | 70.2324% | 3,916 |
Noncurrent assets plus other real estate owned to assets | 2.5582% | 2,672 |
Noncurrent loans to loans | 3.1203% | 2,405 |
Net loans and leases to total assets | 66.8140% | 2,809 |
Net loans and leases to deposits | 95.6652% | 714 |
Net loans and leases to core deposits | 119.3239% | 435 |
Total domestic deposits to total assets | 69.8415% | 7,185 |
Equity capital to assets | 12.0869% | 1,866 |
Core capital (leverage) ratio | 11.7957% | 1,680 |
Tier 1 risk-based capital ratio | 14.7924% | 3,550 |
Total risk-based capital ratio | 16.0505% | 3,509 |
Memoranda: | ||
Average total assets | $915,179,500 | 732 |
Average earning assets | $861,227,000 | 705 |
Average equity | $107,905,000 | 642 |
Average total loans | $627,540,500 | 689 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1402% | 3,908 |
Cost of funding earning assets | 1.0614% | 5,356 |
Net interest margin | 4.0788% | 2,667 |
Noninterest income to average assets | 0.2465% | 6,031 |
Noninterest expense to average assets | 1.8692% | 7,202 |
Loan and lease loss provision to assets | 1.4628% | 1,017 |
Net operating income to assets | 0.5683% | 3,809 |
Return on assets (ROA) | 0.7397% | 3,178 |
Pretax return on assets | 0.9722% | 3,020 |
Return on Equity (ROE) | 6.5356% | 3,325 |
Retained earnings to average equity (ytd only) | 5.4966% | 2,112 |
Net charge-offs to loans | 1.7690% | 1,197 |
Credit loss provision to net charge-offs | 114.5685% | 3,788 |
Earnings coverage of net charge-offs (x) | 1.7305% | 4,418 |
Efficiency ratio | 45.8288% | 7,359 |
Assets per employee ($millions) | 7.5724% | 572 |
Cash dividends to net income (ytd only)* | 15.8972% | 3,584 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0135% | 2,265 |
Loan loss allowance to noncurrent loans | 62.4153% | 4,276 |
Noncurrent assets plus other real estate owned to assets | 2.4679% | 2,804 |
Noncurrent loans to loans | 3.2259% | 2,350 |
Net loans and leases to total assets | 67.4388% | 3,118 |
Net loans and leases to deposits | 95.0014% | 953 |
Net loans and leases to core deposits | 120.1662% | 524 |
Total domestic deposits to total assets | 70.9871% | 7,173 |
Equity capital to assets | 11.4998% | 2,261 |
Core capital (leverage) ratio | 11.5966% | 1,784 |
Tier 1 risk-based capital ratio | 13.3379% | 4,341 |
Total risk-based capital ratio | 14.5929% | 4,298 |
Memoranda: | ||
Average total assets | $878,452,800 | 770 |
Average earning assets | $825,341,800 | 734 |
Average equity | $99,424,200 | 678 |
Average total loans | $634,023,600 | 695 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1989% | 3,836 |
Cost of funding earning assets | 1.0939% | 5,453 |
Net interest margin | 4.1050% | 2,601 |
Noninterest income to average assets | 0.2591% | 6,047 |
Noninterest expense to average assets | 1.9070% | 7,197 |
Loan and lease loss provision to assets | 1.2762% | 1,102 |
Net operating income to assets | 0.6653% | 3,573 |
Return on assets (ROA) | 0.8030% | 3,140 |
Pretax return on assets | 1.1226% | 2,759 |
Return on Equity (ROE) | 7.1249% | 3,285 |
Retained earnings to average equity (ytd only) | 5.7155% | 2,534 |
Net charge-offs to loans | 0.8533% | 2,311 |
Credit loss provision to net charge-offs | 204.6856% | 1,734 |
Earnings coverage of net charge-offs (x) | 3.5408% | 3,405 |
Efficiency ratio | 46.3453% | 7,370 |
Assets per employee ($millions) | 7.5696% | 610 |
Cash dividends to net income (ytd only)* | 19.7817% | 2,980 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3759% | 1,506 |
Loan loss allowance to noncurrent loans | 59.3835% | 4,359 |
Noncurrent assets plus other real estate owned to assets | 3.0543% | 2,371 |
Noncurrent loans to loans | 4.0010% | 1,876 |
Net loans and leases to total assets | 69.1433% | 2,949 |
Net loans and leases to deposits | 97.7835% | 813 |
Net loans and leases to core deposits | 118.9749% | 652 |
Total domestic deposits to total assets | 70.7106% | 7,237 |
Equity capital to assets | 11.7026% | 2,355 |
Core capital (leverage) ratio | 11.5244% | 1,924 |
Tier 1 risk-based capital ratio | 14.0681% | 3,781 |
Total risk-based capital ratio | 15.3287% | 3,750 |
Memoranda: | ||
Average total assets | $867,108,000 | 780 |
Average earning assets | $814,429,250 | 749 |
Average equity | $97,720,500 | 684 |
Average total loans | $633,573,750 | 698 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1955% | 3,985 |
Cost of funding earning assets | 1.1344% | 5,492 |
Net interest margin | 4.0611% | 2,745 |
Noninterest income to average assets | -0.0940% | 7,626 |
Noninterest expense to average assets | 1.8742% | 7,299 |
Loan and lease loss provision to assets | 0.9050% | 1,609 |
Net operating income to assets | 0.6827% | 3,472 |
Return on assets (ROA) | 0.8653% | 2,810 |
Pretax return on assets | 1.1873% | 2,459 |
Return on Equity (ROE) | 7.7851% | 2,973 |
Retained earnings to average equity (ytd only) | 5.6004% | 2,557 |
Net charge-offs to loans | 0.7287% | 2,401 |
Credit loss provision to net charge-offs | 168.1223% | 2,335 |
Earnings coverage of net charge-offs (x) | 3.4223% | 3,330 |
Efficiency ratio | 50.4301% | 7,200 |
Assets per employee ($millions) | 7.8129% | 540 |
Cash dividends to net income (ytd only)* | 28.0630% | 2,579 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9973% | 2,189 |
Loan loss allowance to noncurrent loans | 54.3444% | 4,684 |
Noncurrent assets plus other real estate owned to assets | 2.7616% | 2,621 |
Noncurrent loans to loans | 3.6752% | 2,132 |
Net loans and leases to total assets | 67.7433% | 3,445 |
Net loans and leases to deposits | 95.8333% | 1,064 |
Net loans and leases to core deposits | 130.3861% | 412 |
Total domestic deposits to total assets | 70.6887% | 7,285 |
Equity capital to assets | 11.3205% | 2,577 |
Core capital (leverage) ratio | 12.2950% | 1,499 |
Tier 1 risk-based capital ratio | 14.1609% | 3,624 |
Total risk-based capital ratio | 15.4176% | 3,582 |
Memoranda: | ||
Average total assets | $850,836,000 | 795 |
Average earning assets | $798,311,670 | 764 |
Average equity | $94,565,000 | 700 |
Average total loans | $628,527,330 | 715 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3203% | 3,443 |
Cost of funding earning assets | 1.2356% | 5,202 |
Net interest margin | 4.0847% | 2,510 |
Noninterest income to average assets | 0.1487% | 6,906 |
Noninterest expense to average assets | 2.0719% | 7,010 |
Loan and lease loss provision to assets | 1.1039% | 1,108 |
Net operating income to assets | 0.5681% | 4,042 |
Return on assets (ROA) | 0.8924% | 2,651 |
Pretax return on assets | 1.2575% | 2,185 |
Return on Equity (ROE) | 8.1147% | 2,828 |
Retained earnings to average equity (ytd only) | 3.5064% | 4,043 |
Net charge-offs to loans | 0.8075% | 1,924 |
Credit loss provision to net charge-offs | 178.5714% | 2,046 |
Earnings coverage of net charge-offs (x) | 3.0810% | 3,025 |
Efficiency ratio | 52.1036% | 7,142 |
Assets per employee ($millions) | 6.9773% | 819 |
Cash dividends to net income (ytd only)* | 56.7894% | 1,316 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9528% | 2,303 |
Loan loss allowance to noncurrent loans | 91.0575% | 3,031 |
Noncurrent assets plus other real estate owned to assets | 2.0341% | 3,458 |
Noncurrent loans to loans | 2.1445% | 3,593 |
Net loans and leases to total assets | 74.1453% | 1,936 |
Net loans and leases to deposits | 97.8684% | 919 |
Net loans and leases to core deposits | 128.4054% | 526 |
Total domestic deposits to total assets | 75.7602% | 6,796 |
Equity capital to assets | 12.4385% | 1,787 |
Core capital (leverage) ratio | 12.7211% | 1,316 |
Tier 1 risk-based capital ratio | 14.6553% | 3,286 |
Total risk-based capital ratio | 15.9122% | 3,248 |
Memoranda: | ||
Average total assets | $815,290,500 | 848 |
Average earning assets | $764,015,500 | 820 |
Average equity | $89,664,000 | 729 |
Average total loans | $624,155,000 | 736 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6282% | 3,453 |
Cost of funding earning assets | 1.5947% | 5,048 |
Net interest margin | 4.0336% | 2,728 |
Noninterest income to average assets | 0.2753% | 6,137 |
Noninterest expense to average assets | 2.0107% | 7,357 |
Loan and lease loss provision to assets | 1.2101% | 1,902 |
Net operating income to assets | 0.6097% | 3,295 |
Return on assets (ROA) | 0.8401% | 2,466 |
Pretax return on assets | 1.1419% | 2,119 |
Return on Equity (ROE) | 8.8129% | 2,086 |
Retained earnings to average equity (ytd only) | 5.4595% | 1,600 |
Net charge-offs to loans | 1.1649% | 2,098 |
Credit loss provision to net charge-offs | 141.4813% | 3,420 |
Earnings coverage of net charge-offs (x) | 2.3858% | 3,943 |
Efficiency ratio | 49.6312% | 7,558 |
Assets per employee ($millions) | 6.7837% | 872 |
Cash dividends to net income (ytd only)* | 38.0511% | 3,010 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7849% | 2,599 |
Loan loss allowance to noncurrent loans | 106.8913% | 2,643 |
Noncurrent assets plus other real estate owned to assets | 1.6510% | 3,900 |
Noncurrent loans to loans | 1.6698% | 4,146 |
Net loans and leases to total assets | 76.1254% | 1,762 |
Net loans and leases to deposits | 95.4864% | 1,395 |
Net loans and leases to core deposits | 148.8683% | 538 |
Total domestic deposits to total assets | 79.7239% | 5,763 |
Equity capital to assets | 9.5285% | 4,381 |
Core capital (leverage) ratio | 9.3667% | 3,876 |
Tier 1 risk-based capital ratio | 11.5462% | 5,350 |
Total risk-based capital ratio | 12.8023% | 5,304 |
Memoranda: | ||
Average total assets | $783,014,000 | 871 |
Average earning assets | $733,001,000 | 848 |
Average equity | $74,640,200 | 866 |
Average total loans | $574,893,600 | 829 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6247% | 3,722 |
Cost of funding earning assets | 1.6420% | 5,198 |
Net interest margin | 3.9827% | 2,885 |
Noninterest income to average assets | 0.3118% | 5,990 |
Noninterest expense to average assets | 2.0287% | 7,331 |
Loan and lease loss provision to assets | 1.0854% | 1,798 |
Net operating income to assets | 0.6269% | 3,506 |
Return on assets (ROA) | 0.8584% | 2,648 |
Pretax return on assets | 1.2656% | 2,059 |
Return on Equity (ROE) | 9.0038% | 2,257 |
Retained earnings to average equity (ytd only) | 5.4379% | 2,233 |
Net charge-offs to loans | 1.3888% | 1,483 |
Credit loss provision to net charge-offs | 108.0089% | 4,703 |
Earnings coverage of net charge-offs (x) | 2.0007% | 4,320 |
Efficiency ratio | 50.2252% | 7,538 |
Assets per employee ($millions) | 6.9849% | 796 |
Cash dividends to net income (ytd only)* | 39.6042% | 2,458 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4738% | 3,576 |
Loan loss allowance to noncurrent loans | 64.6527% | 4,093 |
Noncurrent assets plus other real estate owned to assets | 2.0895% | 3,226 |
Noncurrent loans to loans | 2.2796% | 3,287 |
Net loans and leases to total assets | 74.3848% | 2,416 |
Net loans and leases to deposits | 98.2821% | 1,292 |
Net loans and leases to core deposits | 147.7188% | 636 |
Total domestic deposits to total assets | 75.6849% | 6,644 |
Equity capital to assets | 9.5366% | 4,698 |
Core capital (leverage) ratio | 9.4358% | 3,997 |
Tier 1 risk-based capital ratio | 11.5781% | 5,367 |
Total risk-based capital ratio | 12.8304% | 5,300 |
Memoranda: | ||
Average total assets | $776,951,500 | 891 |
Average earning assets | $727,158,000 | 868 |
Average equity | $74,070,250 | 887 |
Average total loans | $562,191,750 | 867 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5906% | 4,124 |
Cost of funding earning assets | 1.6676% | 5,435 |
Net interest margin | 3.9230% | 3,006 |
Noninterest income to average assets | 0.3343% | 5,834 |
Noninterest expense to average assets | 2.0202% | 7,429 |
Loan and lease loss provision to assets | 1.1616% | 1,484 |
Net operating income to assets | 0.5638% | 3,832 |
Return on assets (ROA) | 0.8285% | 2,837 |
Pretax return on assets | 1.2091% | 2,272 |
Return on Equity (ROE) | 8.6919% | 2,469 |
Retained earnings to average equity (ytd only) | 7.2678% | 1,481 |
Net charge-offs to loans | 1.6078% | 1,178 |
Credit loss provision to net charge-offs | 101.3590% | 4,506 |
Earnings coverage of net charge-offs (x) | 1.7339% | 4,252 |
Efficiency ratio | 50.4146% | 7,639 |
Assets per employee ($millions) | 6.8583% | 825 |
Cash dividends to net income (ytd only)* | 16.3847% | 3,244 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4167% | 3,637 |
Loan loss allowance to noncurrent loans | 125.3672% | 2,355 |
Noncurrent assets plus other real estate owned to assets | 1.2752% | 4,387 |
Noncurrent loans to loans | 1.1300% | 4,959 |
Net loans and leases to total assets | 75.2162% | 2,389 |
Net loans and leases to deposits | 103.4875% | 947 |
Net loans and leases to core deposits | 153.7936% | 569 |
Total domestic deposits to total assets | 72.6815% | 7,156 |
Equity capital to assets | 9.5750% | 4,518 |
Core capital (leverage) ratio | 9.7127% | 3,616 |
Tier 1 risk-based capital ratio | 11.5573% | 5,324 |
Total risk-based capital ratio | 12.8087% | 5,256 |
Memoranda: | ||
Average total assets | $770,508,670 | 913 |
Average earning assets | $721,388,000 | 888 |
Average equity | $73,447,670 | 905 |
Average total loans | $549,198,670 | 908 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3513% | 5,652 |
Cost of funding earning assets | 1.7206% | 5,515 |
Net interest margin | 3.6307% | 4,185 |
Noninterest income to average assets | 0.2411% | 6,528 |
Noninterest expense to average assets | 2.0109% | 7,327 |
Loan and lease loss provision to assets | 0.7453% | 1,728 |
Net operating income to assets | 0.6339% | 3,869 |
Return on assets (ROA) | 0.7840% | 3,360 |
Pretax return on assets | 1.1030% | 2,977 |
Return on Equity (ROE) | 8.2430% | 3,042 |
Retained earnings to average equity (ytd only) | 5.3670% | 2,928 |
Net charge-offs to loans | 1.6395% | 881 |
Credit loss provision to net charge-offs | 66.1560% | 4,415 |
Earnings coverage of net charge-offs (x) | 1.4531% | 4,007 |
Efficiency ratio | 55.1254% | 7,089 |
Assets per employee ($millions) | 6.6130% | 909 |
Cash dividends to net income (ytd only)* | 34.8899% | 2,201 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4501% | 3,232 |
Loan loss allowance to noncurrent loans | 38.8934% | 5,952 |
Noncurrent assets plus other real estate owned to assets | 2.9762% | 1,894 |
Noncurrent loans to loans | 3.7285% | 1,666 |
Net loans and leases to total assets | 68.4694% | 4,023 |
Net loans and leases to deposits | 94.8226% | 2,131 |
Net loans and leases to core deposits | 135.0441% | 1,355 |
Total domestic deposits to total assets | 72.2079% | 7,176 |
Equity capital to assets | 9.6459% | 4,459 |
Core capital (leverage) ratio | 9.5347% | 3,939 |
Tier 1 risk-based capital ratio | 11.4232% | 5,481 |
Total risk-based capital ratio | 12.6733% | 5,382 |
Memoranda: | ||
Average total assets | $764,837,500 | 917 |
Average earning assets | $717,651,000 | 894 |
Average equity | $72,740,500 | 921 |
Average total loans | $525,533,000 | 948 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1115% | 4,983 |
Cost of funding earning assets | 2.4925% | 4,244 |
Net interest margin | 3.6190% | 4,794 |
Noninterest income to average assets | 0.1544% | 7,321 |
Noninterest expense to average assets | 2.1338% | 7,150 |
Loan and lease loss provision to assets | 0.9823% | 1,497 |
Net operating income to assets | 0.4015% | 5,142 |
Return on assets (ROA) | 0.4961% | 4,593 |
Pretax return on assets | 0.4901% | 5,001 |
Return on Equity (ROE) | 5.5085% | 4,154 |
Retained earnings to average equity (ytd only) | 3.1716% | 3,177 |
Net charge-offs to loans | 1.2466% | 965 |
Credit loss provision to net charge-offs | 103.1156% | 5,179 |
Earnings coverage of net charge-offs (x) | 1.4463% | 5,390 |
Efficiency ratio | 60.7645% | 6,209 |
Assets per employee ($millions) | 6.4098% | 921 |
Cash dividends to net income (ytd only)* | 42.4233% | 3,542 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6053% | 2,220 |
Loan loss allowance to noncurrent loans | 41.6365% | 5,949 |
Noncurrent assets plus other real estate owned to assets | 3.0015% | 1,529 |
Noncurrent loans to loans | 3.8556% | 1,286 |
Net loans and leases to total assets | 66.8643% | 4,669 |
Net loans and leases to deposits | 92.3413% | 3,077 |
Net loans and leases to core deposits | 118.9273% | 2,795 |
Total domestic deposits to total assets | 72.4099% | 6,927 |
Equity capital to assets | 9.3768% | 4,850 |
Core capital (leverage) ratio | 10.4474% | 3,023 |
Tier 1 risk-based capital ratio | 11.5391% | 5,207 |
Total risk-based capital ratio | 12.7910% | 5,094 |
Memoranda: | ||
Average total assets | $663,740,800 | 1,008 |
Average earning assets | $615,724,200 | 982 |
Average equity | $59,780,200 | 1,127 |
Average total loans | $507,231,800 | 947 |