Home > Neighborhood National Bank > Performance and Condition Ratios
Neighborhood National Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4313% | 3,224 |
Cost of funding earning assets | 1.3116% | 2,482 |
Net interest margin | 3.1196% | 3,053 |
Noninterest income to average assets | 0.3300% | 2,919 |
Noninterest expense to average assets | 2.2463% | 2,989 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 1.0887% | 1,954 |
Return on assets (ROA) | 1.0495% | 2,038 |
Pretax return on assets | 1.0495% | 2,536 |
Return on Equity (ROE) | 27.5700% | 231 |
Retained earnings to average equity (ytd only) | 18.1913% | 184 |
Net charge-offs to loans | 0.0011% | 2,829 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 1,677.0000% | 99 |
Efficiency ratio | 66.5272% | 2,282 |
Assets per employee ($millions) | 6.6289% | 2,320 |
Cash dividends to net income (ytd only)* | 34.0241% | 2,390 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1279% | 2,678 |
Loan loss allowance to noncurrent loans | 2,019.4175% | 524 |
Noncurrent assets plus other real estate owned to assets | 0.0338% | 3,412 |
Noncurrent loans to loans | 0.0559% | 3,322 |
Net loans and leases to total assets | 59.7900% | 2,860 |
Net loans and leases to deposits | 70.4661% | 2,853 |
Net loans and leases to core deposits | 74.0305% | 3,074 |
Total domestic deposits to total assets | 84.8500% | 2,354 |
Equity capital to assets | 4.9598% | 4,421 |
Core capital (leverage) ratio | 10.2808% | 2,529 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.7161% | 1,342 |
Memoranda: | ||
Average total assets | $308,064,000 | 2,390 |
Average earning assets | $296,574,600 | 2,325 |
Average equity | $11,725,400 | 3,551 |
Average total loans | $182,018,800 | 2,429 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3501% | 3,196 |
Cost of funding earning assets | 1.2086% | 2,404 |
Net interest margin | 3.1415% | 3,049 |
Noninterest income to average assets | 0.3300% | 2,912 |
Noninterest expense to average assets | 2.2885% | 2,829 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 1.0641% | 2,173 |
Return on assets (ROA) | 1.0119% | 2,318 |
Pretax return on assets | 1.0119% | 2,820 |
Return on Equity (ROE) | 28.7400% | 252 |
Retained earnings to average equity (ytd only) | 24.4452% | 143 |
Net charge-offs to loans | 0.0015% | 2,549 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 1,232.5000% | 128 |
Efficiency ratio | 67.4350% | 2,082 |
Assets per employee ($millions) | 7.0413% | 1,931 |
Cash dividends to net income (ytd only)* | 14.9317% | 2,647 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1343% | 2,708 |
Loan loss allowance to noncurrent loans | 2,566.6667% | 426 |
Noncurrent assets plus other real estate owned to assets | 0.0268% | 3,538 |
Noncurrent loans to loans | 0.0442% | 3,441 |
Net loans and leases to total assets | 59.8500% | 2,862 |
Net loans and leases to deposits | 68.1647% | 2,971 |
Net loans and leases to core deposits | 70.9448% | 3,165 |
Total domestic deposits to total assets | 87.8000% | 1,644 |
Equity capital to assets | 2.9490% | 4,497 |
Core capital (leverage) ratio | 10.0552% | 2,767 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.3992% | 1,448 |
Memoranda: | ||
Average total assets | $308,847,250 | 2,387 |
Average earning assets | $297,642,500 | 2,323 |
Average equity | $10,875,750 | 3,629 |
Average total loans | $181,421,250 | 2,433 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2209% | 3,254 |
Cost of funding earning assets | 1.0456% | 2,464 |
Net interest margin | 3.1753% | 3,049 |
Noninterest income to average assets | 0.3100% | 3,022 |
Noninterest expense to average assets | 2.2479% | 2,956 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 1.1284% | 2,039 |
Return on assets (ROA) | 1.0506% | 2,257 |
Pretax return on assets | 1.0506% | 2,773 |
Return on Equity (ROE) | 28.3400% | 255 |
Retained earnings to average equity (ytd only) | 22.2653% | 178 |
Net charge-offs to loans | 0.0077% | 1,936 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 250.5714% | 508 |
Efficiency ratio | 65.7774% | 2,270 |
Assets per employee ($millions) | 6.4761% | 2,309 |
Cash dividends to net income (ytd only)* | 21.4329% | 2,401 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1319% | 2,789 |
Loan loss allowance to noncurrent loans | 10,915.7895% | 133 |
Noncurrent assets plus other real estate owned to assets | 0.0061% | 3,799 |
Noncurrent loans to loans | 0.0104% | 3,709 |
Net loans and leases to total assets | 58.2700% | 2,938 |
Net loans and leases to deposits | 67.2907% | 2,966 |
Net loans and leases to core deposits | 70.8916% | 3,071 |
Total domestic deposits to total assets | 86.6000% | 2,057 |
Equity capital to assets | 3.7336% | 4,528 |
Core capital (leverage) ratio | 9.9373% | 2,815 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0375% | 1,568 |
Memoranda: | ||
Average total assets | $310,870,667 | 2,376 |
Average earning assets | $299,936,667 | 2,314 |
Average equity | $11,524,667 | 3,588 |
Average total loans | $180,800,333 | 2,433 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1269% | 3,195 |
Cost of funding earning assets | 0.9094% | 2,342 |
Net interest margin | 3.2176% | 3,071 |
Noninterest income to average assets | 0.2500% | 3,431 |
Noninterest expense to average assets | 2.2169% | 3,053 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 1.1413% | 2,095 |
Return on assets (ROA) | 1.0718% | 2,287 |
Pretax return on assets | 1.0718% | 2,793 |
Return on Equity (ROE) | 29.0100% | 255 |
Retained earnings to average equity (ytd only) | 29.0143% | 122 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 65.2107% | 2,298 |
Assets per employee ($millions) | 6.3742% | 2,430 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1633% | 2,748 |
Loan loss allowance to noncurrent loans | 10,952.6316% | 155 |
Noncurrent assets plus other real estate owned to assets | 0.0062% | 3,823 |
Noncurrent loans to loans | 0.0106% | 3,747 |
Net loans and leases to total assets | 57.7900% | 2,890 |
Net loans and leases to deposits | 64.8752% | 3,023 |
Net loans and leases to core deposits | 68.4930% | 3,056 |
Total domestic deposits to total assets | 89.0700% | 1,520 |
Equity capital to assets | 4.2090% | 4,527 |
Core capital (leverage) ratio | 9.7032% | 2,995 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.0797% | 1,355 |
Memoranda: | ||
Average total assets | $310,879,000 | 2,405 |
Average earning assets | $299,979,500 | 2,342 |
Average equity | $11,484,000 | 3,622 |
Average total loans | $179,588,500 | 2,456 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7545% | 2,395 |
Cost of funding earning assets | 0.4874% | 1,487 |
Net interest margin | 3.2672% | 2,657 |
Noninterest income to average assets | 0.3700% | 2,879 |
Noninterest expense to average assets | 2.3989% | 2,426 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 1.1110% | 2,120 |
Return on assets (ROA) | 1.1110% | 2,055 |
Pretax return on assets | 1.1110% | 2,731 |
Return on Equity (ROE) | 22.6800% | 294 |
Retained earnings to average equity (ytd only) | 11.5882% | 762 |
Net charge-offs to loans | -0.1667% | 4,607 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 67.5425% | 2,019 |
Assets per employee ($millions) | 6.3159% | 2,497 |
Cash dividends to net income (ytd only)* | 48.9101% | 1,454 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1542% | 2,622 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 56.4300% | 2,983 |
Net loans and leases to deposits | 62.4796% | 3,160 |
Net loans and leases to core deposits | 68.7852% | 2,957 |
Total domestic deposits to total assets | 90.3200% | 1,232 |
Equity capital to assets | 3.1951% | 4,595 |
Core capital (leverage) ratio | 9.4967% | 3,146 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3778% | 1,822 |
Memoranda: | ||
Average total assets | $301,432,800 | 2,444 |
Average earning assets | $290,128,000 | 2,384 |
Average equity | $14,765,000 | 3,384 |
Average total loans | $167,321,400 | 2,482 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6431% | 2,212 |
Cost of funding earning assets | 0.4214% | 1,148 |
Net interest margin | 3.2216% | 2,561 |
Noninterest income to average assets | 0.3900% | 2,797 |
Noninterest expense to average assets | 2.4294% | 2,228 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 1.0578% | 2,261 |
Return on assets (ROA) | 1.0578% | 2,225 |
Pretax return on assets | 1.0578% | 2,850 |
Return on Equity (ROE) | 19.7700% | 455 |
Retained earnings to average equity (ytd only) | 12.6521% | 670 |
Net charge-offs to loans | -0.1828% | 4,621 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 68.8447% | 1,907 |
Assets per employee ($millions) | 5.9101% | 2,838 |
Cash dividends to net income (ytd only)* | 36.0135% | 1,761 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1673% | 2,708 |
Loan loss allowance to noncurrent loans | 1,967.9612% | 574 |
Noncurrent assets plus other real estate owned to assets | 0.0342% | 3,571 |
Noncurrent loans to loans | 0.0593% | 3,456 |
Net loans and leases to total assets | 56.9400% | 2,808 |
Net loans and leases to deposits | 60.3276% | 3,169 |
Net loans and leases to core deposits | 64.9225% | 3,038 |
Total domestic deposits to total assets | 94.3900% | 307 |
Equity capital to assets | 2.4697% | 4,634 |
Core capital (leverage) ratio | 9.6079% | 2,949 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.6083% | 1,842 |
Memoranda: | ||
Average total assets | $297,842,000 | 2,482 |
Average earning assets | $286,306,500 | 2,426 |
Average equity | $15,933,750 | 3,324 |
Average total loans | $164,079,000 | 2,506 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5062% | 2,126 |
Cost of funding earning assets | 0.3786% | 1,054 |
Net interest margin | 3.1276% | 2,447 |
Noninterest income to average assets | 0.4119% | 2,677 |
Noninterest expense to average assets | 2.4453% | 2,094 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.9688% | 2,272 |
Return on assets (ROA) | 0.9688% | 2,248 |
Pretax return on assets | 0.9688% | 2,835 |
Return on Equity (ROE) | 15.3168% | 833 |
Retained earnings to average equity (ytd only) | 6.2461% | 2,258 |
Net charge-offs to loans | -0.2536% | 4,627 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.7938% | 1,852 |
Assets per employee ($millions) | 5.8114% | 2,911 |
Cash dividends to net income (ytd only)* | 59.2206% | 1,089 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1967% | 2,693 |
Loan loss allowance to noncurrent loans | 8,358.3333% | 163 |
Noncurrent assets plus other real estate owned to assets | 0.0638% | 3,343 |
Noncurrent loans to loans | 0.0143% | 3,860 |
Net loans and leases to total assets | 55.8833% | 2,773 |
Net loans and leases to deposits | 63.1684% | 2,791 |
Net loans and leases to core deposits | 65.3227% | 2,869 |
Total domestic deposits to total assets | 88.4672% | 2,397 |
Equity capital to assets | 3.9362% | 4,633 |
Core capital (leverage) ratio | 9.3970% | 3,014 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.6322% | 1,823 |
Memoranda: | ||
Average total assets | $296,651,000 | 2,499 |
Average earning assets | $284,751,667 | 2,461 |
Average equity | $18,763,667 | 3,164 |
Average total loans | $160,886,667 | 2,540 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3025% | 2,382 |
Cost of funding earning assets | 0.3648% | 1,095 |
Net interest margin | 2.9378% | 2,713 |
Noninterest income to average assets | 0.4057% | 2,647 |
Noninterest expense to average assets | 2.3842% | 2,225 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.8437% | 2,506 |
Return on assets (ROA) | 0.8437% | 2,499 |
Pretax return on assets | 0.8437% | 2,964 |
Return on Equity (ROE) | 11.2224% | 1,536 |
Retained earnings to average equity (ytd only) | 11.2224% | 738 |
Net charge-offs to loans | -0.4546% | 4,704 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.9854% | 1,858 |
Assets per employee ($millions) | 6.0878% | 2,726 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2344% | 2,684 |
Loan loss allowance to noncurrent loans | 1,523.8462% | 659 |
Noncurrent assets plus other real estate owned to assets | 0.1010% | 3,104 |
Noncurrent loans to loans | 0.0810% | 3,434 |
Net loans and leases to total assets | 54.2434% | 2,726 |
Net loans and leases to deposits | 61.4718% | 2,762 |
Net loans and leases to core deposits | 62.8850% | 2,904 |
Total domestic deposits to total assets | 88.2412% | 2,416 |
Equity capital to assets | 6.2577% | 4,515 |
Core capital (leverage) ratio | 9.2938% | 3,013 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9784% | 1,800 |
Memoranda: | ||
Average total assets | $296,786,500 | 2,510 |
Average earning assets | $285,114,000 | 2,480 |
Average equity | $22,312,500 | 2,956 |
Average total loans | $157,513,500 | 2,570 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6850% | 2,160 |
Cost of funding earning assets | 0.4359% | 1,280 |
Net interest margin | 3.2491% | 2,465 |
Noninterest income to average assets | 0.4698% | 2,729 |
Noninterest expense to average assets | 2.4695% | 2,280 |
Loan and lease loss provision to assets | 0.0971% | 1,281 |
Net operating income to assets | 1.0073% | 2,638 |
Return on assets (ROA) | 1.0014% | 2,730 |
Pretax return on assets | 1.0014% | 3,255 |
Return on Equity (ROE) | 10.6995% | 2,276 |
Retained earnings to average equity (ytd only) | 3.4455% | 3,435 |
Net charge-offs to loans | 0.2510% | 365 |
Credit loss provision to net charge-offs | 72.9167% | 1,995 |
Earnings coverage of net charge-offs (x) | 8.2943% | 2,307 |
Efficiency ratio | 68.2740% | 1,941 |
Assets per employee ($millions) | 6.4119% | 2,403 |
Cash dividends to net income (ytd only)* | 67.7978% | 804 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1661% | 3,042 |
Loan loss allowance to noncurrent loans | 1,170.1299% | 783 |
Noncurrent assets plus other real estate owned to assets | 0.1059% | 3,191 |
Noncurrent loans to loans | 0.0997% | 3,431 |
Net loans and leases to total assets | 50.6827% | 3,201 |
Net loans and leases to deposits | 59.3311% | 3,140 |
Net loans and leases to core deposits | 60.6355% | 3,273 |
Total domestic deposits to total assets | 85.4236% | 3,120 |
Equity capital to assets | 8.7401% | 3,852 |
Core capital (leverage) ratio | 9.1361% | 3,240 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.0769% | 1,821 |
Memoranda: | ||
Average total assets | $288,393,400 | 2,492 |
Average earning assets | $275,520,200 | 2,454 |
Average equity | $26,992,000 | 2,724 |
Average total loans | $153,015,200 | 2,604 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7683% | 2,097 |
Cost of funding earning assets | 0.4499% | 1,350 |
Net interest margin | 3.3184% | 2,361 |
Noninterest income to average assets | 0.4956% | 2,640 |
Noninterest expense to average assets | 2.5258% | 2,050 |
Loan and lease loss provision to assets | 0.1238% | 945 |
Net operating income to assets | 1.0151% | 2,854 |
Return on assets (ROA) | 1.0072% | 2,946 |
Pretax return on assets | 1.0072% | 3,434 |
Return on Equity (ROE) | 10.5760% | 2,531 |
Retained earnings to average equity (ytd only) | 5.9459% | 2,842 |
Net charge-offs to loans | 0.3398% | 229 |
Credit loss provision to net charge-offs | 68.1234% | 1,769 |
Earnings coverage of net charge-offs (x) | 6.2622% | 2,187 |
Efficiency ratio | 68.1041% | 1,814 |
Assets per employee ($millions) | 6.2333% | 2,468 |
Cash dividends to net income (ytd only)* | 43.7790% | 1,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1639% | 3,144 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0563% | 3,747 |
Noncurrent loans to loans | 0.0000% | 4,237 |
Net loans and leases to total assets | 51.6521% | 3,230 |
Net loans and leases to deposits | 59.6622% | 3,261 |
Net loans and leases to core deposits | 60.9279% | 3,407 |
Total domestic deposits to total assets | 86.5742% | 2,521 |
Equity capital to assets | 9.3656% | 3,497 |
Core capital (leverage) ratio | 9.5023% | 3,018 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.6546% | 1,734 |
Memoranda: | ||
Average total assets | $285,152,500 | 2,527 |
Average earning assets | $272,335,500 | 2,494 |
Average equity | $27,155,250 | 2,742 |
Average total loans | $152,634,500 | 2,647 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7462% | 2,213 |
Cost of funding earning assets | 0.4610% | 1,441 |
Net interest margin | 3.2851% | 2,494 |
Noninterest income to average assets | 0.5160% | 2,555 |
Noninterest expense to average assets | 2.6112% | 1,825 |
Loan and lease loss provision to assets | 0.0849% | 1,443 |
Net operating income to assets | 0.9570% | 3,041 |
Return on assets (ROA) | 0.9450% | 3,159 |
Pretax return on assets | 0.9450% | 3,559 |
Return on Equity (ROE) | 9.8666% | 2,795 |
Retained earnings to average equity (ytd only) | 2.8972% | 3,866 |
Net charge-offs to loans | 0.3594% | 237 |
Credit loss provision to net charge-offs | 43.7956% | 1,639 |
Earnings coverage of net charge-offs (x) | 5.3723% | 1,999 |
Efficiency ratio | 70.6646% | 1,566 |
Assets per employee ($millions) | 5.8651% | 2,748 |
Cash dividends to net income (ytd only)* | 70.6367% | 673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1431% | 3,230 |
Loan loss allowance to noncurrent loans | 273.7500% | 2,032 |
Noncurrent assets plus other real estate owned to assets | 0.2940% | 2,450 |
Noncurrent loans to loans | 0.4176% | 2,431 |
Net loans and leases to total assets | 52.7233% | 3,278 |
Net loans and leases to deposits | 60.4956% | 3,349 |
Net loans and leases to core deposits | 61.7911% | 3,480 |
Total domestic deposits to total assets | 87.1523% | 2,237 |
Equity capital to assets | 9.3514% | 3,470 |
Core capital (leverage) ratio | 9.3617% | 3,062 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.5052% | 1,803 |
Memoranda: | ||
Average total assets | $282,548,000 | 2,544 |
Average earning assets | $269,822,667 | 2,506 |
Average equity | $27,061,000 | 2,731 |
Average total loans | $152,477,667 | 2,658 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7217% | 2,306 |
Cost of funding earning assets | 0.4749% | 1,560 |
Net interest margin | 3.2468% | 2,557 |
Noninterest income to average assets | 0.3955% | 3,111 |
Noninterest expense to average assets | 2.8030% | 1,361 |
Loan and lease loss provision to assets | 0.0857% | 1,528 |
Net operating income to assets | 0.6112% | 3,909 |
Return on assets (ROA) | 0.7397% | 3,670 |
Pretax return on assets | 0.7397% | 3,933 |
Return on Equity (ROE) | 7.6306% | 3,432 |
Retained earnings to average equity (ytd only) | 7.6306% | 2,367 |
Net charge-offs to loans | -0.0132% | 3,793 |
Credit loss provision to net charge-offs | -1,200.0000% | 3,404 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.2330% | 876 |
Assets per employee ($millions) | 5.3623% | 3,265 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2993% | 2,438 |
Loan loss allowance to noncurrent loans | 202.3614% | 2,361 |
Noncurrent assets plus other real estate owned to assets | 0.4729% | 1,972 |
Noncurrent loans to loans | 0.6421% | 1,963 |
Net loans and leases to total assets | 52.6823% | 3,380 |
Net loans and leases to deposits | 61.8386% | 3,328 |
Net loans and leases to core deposits | 62.8067% | 3,514 |
Total domestic deposits to total assets | 85.1932% | 3,030 |
Equity capital to assets | 9.2871% | 3,408 |
Core capital (leverage) ratio | 9.6176% | 2,915 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.3221% | 1,468 |
Memoranda: | ||
Average total assets | $280,127,500 | 2,542 |
Average earning assets | $267,834,500 | 2,502 |
Average equity | $27,154,000 | 2,718 |
Average total loans | $152,080,000 | 2,671 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3000% | 1,872 |
Cost of funding earning assets | 0.6012% | 2,297 |
Net interest margin | 3.6988% | 1,805 |
Noninterest income to average assets | 0.5435% | 2,450 |
Noninterest expense to average assets | 3.0540% | 1,317 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | 1.0036% | 2,279 |
Return on assets (ROA) | 1.0919% | 2,074 |
Pretax return on assets | 1.0919% | 2,730 |
Return on Equity (ROE) | 9.6914% | 2,123 |
Retained earnings to average equity (ytd only) | 2.0762% | 3,796 |
Net charge-offs to loans | -0.0237% | 4,469 |
Credit loss provision to net charge-offs | 0.0000% | 3,264 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.4135% | 1,394 |
Assets per employee ($millions) | 5.2086% | 3,140 |
Cash dividends to net income (ytd only)* | 78.5768% | 681 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2501% | 2,686 |
Loan loss allowance to noncurrent loans | 463.7470% | 1,208 |
Noncurrent assets plus other real estate owned to assets | 0.2797% | 2,894 |
Noncurrent loans to loans | 0.2696% | 3,228 |
Net loans and leases to total assets | 54.5399% | 3,441 |
Net loans and leases to deposits | 64.3832% | 3,406 |
Net loans and leases to core deposits | 65.4219% | 3,592 |
Total domestic deposits to total assets | 84.7114% | 2,872 |
Equity capital to assets | 10.1118% | 3,018 |
Core capital (leverage) ratio | 9.7626% | 2,828 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.1109% | 1,488 |
Memoranda: | ||
Average total assets | $245,805,800 | 2,604 |
Average earning assets | $233,536,600 | 2,573 |
Average equity | $27,694,600 | 2,623 |
Average total loans | $151,817,200 | 2,651 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3592% | 1,955 |
Cost of funding earning assets | 0.6279% | 2,441 |
Net interest margin | 3.7313% | 1,833 |
Noninterest income to average assets | 0.5249% | 2,501 |
Noninterest expense to average assets | 2.9392% | 1,591 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 1.1243% | 1,900 |
Return on assets (ROA) | 1.1529% | 1,925 |
Pretax return on assets | 1.1529% | 2,558 |
Return on Equity (ROE) | 9.9371% | 2,042 |
Retained earnings to average equity (ytd only) | 4.8190% | 2,642 |
Net charge-offs to loans | -0.0299% | 4,533 |
Credit loss provision to net charge-offs | 0.0000% | 3,006 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.4502% | 1,704 |
Assets per employee ($millions) | 4.8267% | 3,456 |
Cash dividends to net income (ytd only)* | 51.5049% | 1,419 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2074% | 2,623 |
Loan loss allowance to noncurrent loans | 582.2630% | 933 |
Noncurrent assets plus other real estate owned to assets | 0.2344% | 3,268 |
Noncurrent loans to loans | 0.2074% | 3,553 |
Net loans and leases to total assets | 59.7719% | 3,251 |
Net loans and leases to deposits | 69.3352% | 3,365 |
Net loans and leases to core deposits | 70.4999% | 3,591 |
Total domestic deposits to total assets | 86.2072% | 1,981 |
Equity capital to assets | 10.9160% | 2,462 |
Core capital (leverage) ratio | 10.5587% | 2,215 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.5107% | 1,130 |
Memoranda: | ||
Average total assets | $238,243,500 | 2,643 |
Average earning assets | $225,938,000 | 2,608 |
Average equity | $27,639,750 | 2,610 |
Average total loans | $151,655,000 | 2,652 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5189% | 1,862 |
Cost of funding earning assets | 0.6570% | 2,647 |
Net interest margin | 3.8618% | 1,663 |
Noninterest income to average assets | 0.4645% | 2,741 |
Noninterest expense to average assets | 2.9821% | 1,624 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 1.1448% | 1,822 |
Return on assets (ROA) | 1.1882% | 1,806 |
Pretax return on assets | 1.1882% | 2,399 |
Return on Equity (ROE) | 10.0186% | 1,979 |
Retained earnings to average equity (ytd only) | 2.2653% | 3,654 |
Net charge-offs to loans | -0.0414% | 4,630 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.3776% | 1,776 |
Assets per employee ($millions) | 4.4553% | 3,842 |
Cash dividends to net income (ytd only)* | 77.3888% | 798 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1959% | 2,539 |
Loan loss allowance to noncurrent loans | 241.8575% | 1,852 |
Noncurrent assets plus other real estate owned to assets | 0.5697% | 2,093 |
Noncurrent loans to loans | 0.4945% | 2,671 |
Net loans and leases to total assets | 64.0929% | 2,867 |
Net loans and leases to deposits | 73.7505% | 3,099 |
Net loans and leases to core deposits | 74.8732% | 3,381 |
Total domestic deposits to total assets | 86.9050% | 1,663 |
Equity capital to assets | 11.3732% | 2,058 |
Core capital (leverage) ratio | 10.7610% | 2,151 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.3788% | 1,163 |
Memoranda: | ||
Average total assets | $230,776,667 | 2,678 |
Average earning assets | $218,860,000 | 2,638 |
Average equity | $27,369,000 | 2,619 |
Average total loans | $149,641,333 | 2,658 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6361% | 1,892 |
Cost of funding earning assets | 0.6952% | 2,955 |
Net interest margin | 3.9409% | 1,550 |
Noninterest income to average assets | 0.4650% | 2,727 |
Noninterest expense to average assets | 3.0566% | 1,749 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 1.1393% | 1,721 |
Return on assets (ROA) | 1.1393% | 1,830 |
Pretax return on assets | 1.1393% | 2,397 |
Return on Equity (ROE) | 9.3956% | 1,957 |
Retained earnings to average equity (ytd only) | 9.3956% | 868 |
Net charge-offs to loans | -0.0745% | 4,751 |
Credit loss provision to net charge-offs | 0.0000% | 2,252 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.9523% | 2,081 |
Assets per employee ($millions) | 4.1773% | 3,687 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3032% | 2,138 |
Loan loss allowance to noncurrent loans | 161.0357% | 2,423 |
Noncurrent assets plus other real estate owned to assets | 0.7408% | 1,821 |
Noncurrent loans to loans | 0.8092% | 1,987 |
Net loans and leases to total assets | 63.6909% | 3,102 |
Net loans and leases to deposits | 74.9566% | 3,174 |
Net loans and leases to core deposits | 76.3406% | 3,472 |
Total domestic deposits to total assets | 84.9703% | 2,423 |
Equity capital to assets | 12.4487% | 1,764 |
Core capital (leverage) ratio | 11.7368% | 1,907 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.6389% | 1,203 |
Memoranda: | ||
Average total assets | $223,644,500 | 2,685 |
Average earning assets | $211,729,000 | 2,649 |
Average equity | $27,119,000 | 2,635 |
Average total loans | $144,984,500 | 2,680 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7872% | 2,082 |
Cost of funding earning assets | 0.6715% | 3,308 |
Net interest margin | 4.1157% | 1,498 |
Noninterest income to average assets | 0.5357% | 2,552 |
Noninterest expense to average assets | 3.1215% | 1,709 |
Loan and lease loss provision to assets | -0.0452% | 5,010 |
Net operating income to assets | 1.3429% | 1,532 |
Return on assets (ROA) | 1.3578% | 1,559 |
Pretax return on assets | 1.3483% | 2,333 |
Return on Equity (ROE) | 11.7346% | 1,609 |
Retained earnings to average equity (ytd only) | 3.3863% | 3,320 |
Net charge-offs to loans | 0.0013% | 3,675 |
Credit loss provision to net charge-offs | -5,000.0000% | 4,669 |
Earnings coverage of net charge-offs (x) | 1,423.5000% | 60 |
Efficiency ratio | 69.9159% | 2,181 |
Assets per employee ($millions) | 4.1833% | 3,652 |
Cash dividends to net income (ytd only)* | 71.1430% | 1,092 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2950% | 1,947 |
Loan loss allowance to noncurrent loans | 137.8040% | 2,734 |
Noncurrent assets plus other real estate owned to assets | 0.8249% | 1,561 |
Noncurrent loans to loans | 0.9397% | 1,628 |
Net loans and leases to total assets | 64.2861% | 3,160 |
Net loans and leases to deposits | 74.8777% | 3,272 |
Net loans and leases to core deposits | 76.0519% | 3,572 |
Total domestic deposits to total assets | 85.8548% | 2,117 |
Equity capital to assets | 11.7976% | 2,282 |
Core capital (leverage) ratio | 11.4714% | 2,131 |
Tier 1 risk-based capital ratio | 16.1530% | 2,350 |
Total risk-based capital ratio | 17.3376% | 2,321 |
Memoranda: | ||
Average total assets | $221,016,200 | 2,651 |
Average earning assets | $208,033,600 | 2,624 |
Average equity | $25,574,000 | 2,674 |
Average total loans | $150,713,600 | 2,612 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8140% | 2,076 |
Cost of funding earning assets | 0.6600% | 3,396 |
Net interest margin | 4.1539% | 1,491 |
Noninterest income to average assets | 0.5259% | 2,576 |
Noninterest expense to average assets | 3.1231% | 1,660 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.3252% | 1,752 |
Return on assets (ROA) | 1.3421% | 1,743 |
Pretax return on assets | 1.3294% | 2,567 |
Return on Equity (ROE) | 11.6561% | 1,733 |
Retained earnings to average equity (ytd only) | 6.1610% | 2,296 |
Net charge-offs to loans | -0.0026% | 4,088 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.5386% | 2,183 |
Assets per employee ($millions) | 4.1580% | 3,683 |
Cash dividends to net income (ytd only)* | 47.1435% | 1,819 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3163% | 1,898 |
Loan loss allowance to noncurrent loans | 517.0157% | 956 |
Noncurrent assets plus other real estate owned to assets | 0.4213% | 2,826 |
Noncurrent loans to loans | 0.2546% | 3,628 |
Net loans and leases to total assets | 65.9431% | 3,055 |
Net loans and leases to deposits | 76.6930% | 3,230 |
Net loans and leases to core deposits | 78.3994% | 3,523 |
Total domestic deposits to total assets | 85.9832% | 2,007 |
Equity capital to assets | 11.8572% | 2,371 |
Core capital (leverage) ratio | 11.7468% | 2,043 |
Tier 1 risk-based capital ratio | 15.6725% | 2,571 |
Total risk-based capital ratio | 16.8728% | 2,530 |
Memoranda: | ||
Average total assets | $220,841,500 | 2,675 |
Average earning assets | $207,861,250 | 2,648 |
Average equity | $25,428,250 | 2,697 |
Average total loans | $152,291,500 | 2,624 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8375% | 1,947 |
Cost of funding earning assets | 0.6507% | 3,405 |
Net interest margin | 4.1868% | 1,397 |
Noninterest income to average assets | 0.5191% | 2,573 |
Noninterest expense to average assets | 3.1692% | 1,572 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.3069% | 1,742 |
Return on assets (ROA) | 1.3323% | 1,714 |
Pretax return on assets | 1.3132% | 2,513 |
Return on Equity (ROE) | 11.6900% | 1,697 |
Retained earnings to average equity (ytd only) | 3.3160% | 3,568 |
Net charge-offs to loans | 0.0013% | 3,131 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | 1,414.0000% | 45 |
Efficiency ratio | 70.2493% | 2,184 |
Assets per employee ($millions) | 3.9692% | 3,908 |
Cash dividends to net income (ytd only)* | 71.6336% | 1,051 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2968% | 2,030 |
Loan loss allowance to noncurrent loans | 724.6324% | 744 |
Noncurrent assets plus other real estate owned to assets | 0.2826% | 3,426 |
Noncurrent loans to loans | 0.1790% | 3,915 |
Net loans and leases to total assets | 68.7178% | 2,723 |
Net loans and leases to deposits | 80.0639% | 2,943 |
Net loans and leases to core deposits | 81.8904% | 3,272 |
Total domestic deposits to total assets | 85.8286% | 2,123 |
Equity capital to assets | 11.7912% | 2,352 |
Core capital (leverage) ratio | 11.5283% | 2,137 |
Tier 1 risk-based capital ratio | 15.4971% | 2,629 |
Total risk-based capital ratio | 16.7185% | 2,559 |
Memoranda: | ||
Average total assets | $219,612,000 | 2,696 |
Average earning assets | $206,553,000 | 2,671 |
Average equity | $25,030,000 | 2,718 |
Average total loans | $153,043,000 | 2,626 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7837% | 1,950 |
Cost of funding earning assets | 0.6287% | 3,415 |
Net interest margin | 4.1551% | 1,420 |
Noninterest income to average assets | 0.3959% | 3,207 |
Noninterest expense to average assets | 3.1017% | 1,729 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 1.1949% | 2,076 |
Return on assets (ROA) | 1.1949% | 2,124 |
Pretax return on assets | 1.1949% | 2,828 |
Return on Equity (ROE) | 10.6669% | 2,093 |
Retained earnings to average equity (ytd only) | 10.6669% | 887 |
Net charge-offs to loans | -0.0182% | 4,452 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.3018% | 2,145 |
Assets per employee ($millions) | 3.9828% | 3,949 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2944% | 2,114 |
Loan loss allowance to noncurrent loans | 510.0515% | 1,029 |
Noncurrent assets plus other real estate owned to assets | 0.5378% | 2,490 |
Noncurrent loans to loans | 0.2538% | 3,652 |
Net loans and leases to total assets | 68.8926% | 2,640 |
Net loans and leases to deposits | 80.2958% | 2,806 |
Net loans and leases to core deposits | 82.1138% | 3,176 |
Total domestic deposits to total assets | 85.7985% | 2,363 |
Equity capital to assets | 11.5798% | 2,322 |
Core capital (leverage) ratio | 11.5857% | 2,069 |
Tier 1 risk-based capital ratio | 15.5392% | 2,633 |
Total risk-based capital ratio | 16.7581% | 2,567 |
Memoranda: | ||
Average total assets | $220,265,000 | 2,720 |
Average earning assets | $206,784,000 | 2,701 |
Average equity | $24,674,500 | 2,746 |
Average total loans | $153,571,500 | 2,653 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7646% | 1,626 |
Cost of funding earning assets | 0.5116% | 3,276 |
Net interest margin | 4.2530% | 1,272 |
Noninterest income to average assets | 0.5244% | 2,691 |
Noninterest expense to average assets | 3.2920% | 1,341 |
Loan and lease loss provision to assets | 0.0272% | 3,633 |
Net operating income to assets | 1.2135% | 2,113 |
Return on assets (ROA) | 1.2076% | 2,127 |
Pretax return on assets | 1.2076% | 2,851 |
Return on Equity (ROE) | 11.2057% | 1,998 |
Retained earnings to average equity (ytd only) | 2.6562% | 4,076 |
Net charge-offs to loans | -0.0644% | 5,042 |
Credit loss provision to net charge-offs | -61.8557% | 4,349 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 71.7774% | 1,937 |
Assets per employee ($millions) | 3.9549% | 3,957 |
Cash dividends to net income (ytd only)* | 76.2960% | 818 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2784% | 2,153 |
Loan loss allowance to noncurrent loans | 682.3529% | 836 |
Noncurrent assets plus other real estate owned to assets | 0.4872% | 2,627 |
Noncurrent loans to loans | 0.1874% | 3,900 |
Net loans and leases to total assets | 68.7569% | 2,771 |
Net loans and leases to deposits | 78.3700% | 3,125 |
Net loans and leases to core deposits | 79.8528% | 3,440 |
Total domestic deposits to total assets | 87.7337% | 1,427 |
Equity capital to assets | 10.8287% | 2,866 |
Core capital (leverage) ratio | 10.9679% | 2,555 |
Tier 1 risk-based capital ratio | 14.8768% | 2,890 |
Total risk-based capital ratio | 16.0718% | 2,843 |
Memoranda: | ||
Average total assets | $220,443,400 | 2,692 |
Average earning assets | $207,759,400 | 2,652 |
Average equity | $23,755,800 | 2,745 |
Average total loans | $150,690,800 | 2,632 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6954% | 1,690 |
Cost of funding earning assets | 0.4846% | 3,298 |
Net interest margin | 4.2108% | 1,329 |
Noninterest income to average assets | 0.5238% | 2,720 |
Noninterest expense to average assets | 3.1694% | 1,602 |
Loan and lease loss provision to assets | 0.0363% | 3,278 |
Net operating income to assets | 1.2904% | 1,899 |
Return on assets (ROA) | 1.2849% | 1,915 |
Pretax return on assets | 1.2849% | 2,679 |
Return on Equity (ROE) | 11.9383% | 1,807 |
Retained earnings to average equity (ytd only) | 6.7793% | 2,248 |
Net charge-offs to loans | -0.0952% | 5,151 |
Credit loss provision to net charge-offs | -56.0748% | 4,173 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.6296% | 2,252 |
Assets per employee ($millions) | 4.1579% | 3,641 |
Cash dividends to net income (ytd only)* | 43.2141% | 1,898 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2827% | 2,179 |
Loan loss allowance to noncurrent loans | 742.3221% | 769 |
Noncurrent assets plus other real estate owned to assets | 0.4440% | 2,907 |
Noncurrent loans to loans | 0.1728% | 4,114 |
Net loans and leases to total assets | 67.9351% | 2,952 |
Net loans and leases to deposits | 77.8296% | 3,251 |
Net loans and leases to core deposits | 79.1963% | 3,556 |
Total domestic deposits to total assets | 87.2870% | 1,604 |
Equity capital to assets | 10.6130% | 3,030 |
Core capital (leverage) ratio | 11.1317% | 2,475 |
Tier 1 risk-based capital ratio | 15.3501% | 2,720 |
Total risk-based capital ratio | 16.5622% | 2,659 |
Memoranda: | ||
Average total assets | $220,185,250 | 2,707 |
Average earning assets | $207,716,250 | 2,670 |
Average equity | $23,699,000 | 2,769 |
Average total loans | $149,800,500 | 2,659 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5793% | 1,845 |
Cost of funding earning assets | 0.4614% | 3,277 |
Net interest margin | 4.1179% | 1,496 |
Noninterest income to average assets | 0.5157% | 2,770 |
Noninterest expense to average assets | 3.2212% | 1,484 |
Loan and lease loss provision to assets | 0.0549% | 2,806 |
Net operating income to assets | 1.1237% | 2,505 |
Return on assets (ROA) | 1.1237% | 2,508 |
Pretax return on assets | 1.1237% | 3,214 |
Return on Equity (ROE) | 10.3907% | 2,384 |
Retained earnings to average equity (ytd only) | 2.6378% | 4,199 |
Net charge-offs to loans | -0.1997% | 5,325 |
Credit loss provision to net charge-offs | -40.5405% | 3,997 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.3400% | 1,948 |
Assets per employee ($millions) | 3.9836% | 3,923 |
Cash dividends to net income (ytd only)* | 74.6135% | 861 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3611% | 1,892 |
Loan loss allowance to noncurrent loans | 214.9841% | 2,147 |
Noncurrent assets plus other real estate owned to assets | 0.6325% | 2,329 |
Noncurrent loans to loans | 0.6331% | 2,526 |
Net loans and leases to total assets | 65.7204% | 3,185 |
Net loans and leases to deposits | 74.4521% | 3,492 |
Net loans and leases to core deposits | 75.8460% | 3,754 |
Total domestic deposits to total assets | 88.2721% | 1,234 |
Equity capital to assets | 10.4190% | 3,190 |
Core capital (leverage) ratio | 10.9604% | 2,563 |
Tier 1 risk-based capital ratio | 14.8661% | 2,938 |
Total risk-based capital ratio | 16.1095% | 2,866 |
Memoranda: | ||
Average total assets | $218,738,330 | 2,739 |
Average earning assets | $206,319,330 | 2,702 |
Average equity | $23,655,670 | 2,780 |
Average total loans | $148,229,330 | 2,687 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5665% | 1,673 |
Cost of funding earning assets | 0.4233% | 3,415 |
Net interest margin | 4.1432% | 1,325 |
Noninterest income to average assets | 0.5430% | 2,562 |
Noninterest expense to average assets | 3.0771% | 1,882 |
Loan and lease loss provision to assets | 0.0554% | 2,659 |
Net operating income to assets | 1.3151% | 1,595 |
Return on assets (ROA) | 1.3151% | 1,602 |
Pretax return on assets | 1.3151% | 2,307 |
Return on Equity (ROE) | 11.9353% | 1,600 |
Retained earnings to average equity (ytd only) | 11.9353% | 691 |
Net charge-offs to loans | -0.3891% | 5,479 |
Credit loss provision to net charge-offs | -20.8333% | 3,579 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.3140% | 2,781 |
Assets per employee ($millions) | 3.5908% | 4,549 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3408% | 2,054 |
Loan loss allowance to noncurrent loans | 229.6767% | 2,017 |
Noncurrent assets plus other real estate owned to assets | 0.6201% | 2,453 |
Noncurrent loans to loans | 0.5838% | 2,790 |
Net loans and leases to total assets | 67.9302% | 2,776 |
Net loans and leases to deposits | 77.9608% | 3,018 |
Net loans and leases to core deposits | 79.3790% | 3,376 |
Total domestic deposits to total assets | 87.1338% | 2,071 |
Equity capital to assets | 11.0829% | 2,502 |
Core capital (leverage) ratio | 11.4328% | 2,064 |
Tier 1 risk-based capital ratio | 15.6124% | 2,625 |
Total risk-based capital ratio | 16.8624% | 2,571 |
Memoranda: | ||
Average total assets | $216,566,000 | 2,784 |
Average earning assets | $204,093,000 | 2,749 |
Average equity | $23,862,000 | 2,787 |
Average total loans | $148,027,000 | 2,712 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4843% | 1,766 |
Cost of funding earning assets | 0.3594% | 3,620 |
Net interest margin | 4.1249% | 1,362 |
Noninterest income to average assets | 0.7839% | 1,634 |
Noninterest expense to average assets | 3.5452% | 964 |
Loan and lease loss provision to assets | 0.0928% | 2,347 |
Net operating income to assets | 0.9954% | 2,267 |
Return on assets (ROA) | 0.9973% | 2,291 |
Pretax return on assets | 0.9973% | 3,581 |
Return on Equity (ROE) | 8.8259% | 2,395 |
Retained earnings to average equity (ytd only) | 1.2972% | 4,506 |
Net charge-offs to loans | 0.0834% | 2,265 |
Credit loss provision to net charge-offs | 173.9130% | 1,557 |
Earnings coverage of net charge-offs (x) | 20.4000% | 1,965 |
Efficiency ratio | 75.6632% | 1,673 |
Assets per employee ($millions) | 3.5110% | 4,681 |
Cash dividends to net income (ytd only)* | 85.3023% | 656 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2288% | 2,607 |
Loan loss allowance to noncurrent loans | 312.9310% | 1,615 |
Noncurrent assets plus other real estate owned to assets | 0.4892% | 2,927 |
Noncurrent loans to loans | 0.3927% | 3,352 |
Net loans and leases to total assets | 67.0218% | 2,964 |
Net loans and leases to deposits | 76.5507% | 3,275 |
Net loans and leases to core deposits | 77.9170% | 3,593 |
Total domestic deposits to total assets | 87.5521% | 1,729 |
Equity capital to assets | 10.9545% | 2,673 |
Core capital (leverage) ratio | 10.9416% | 2,391 |
Tier 1 risk-based capital ratio | 15.4305% | 2,649 |
Total risk-based capital ratio | 16.6006% | 2,617 |
Memoranda: | ||
Average total assets | $215,586,800 | 2,762 |
Average earning assets | $201,191,000 | 2,757 |
Average equity | $24,360,000 | 2,726 |
Average total loans | $137,866,400 | 2,812 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4449% | 1,808 |
Cost of funding earning assets | 0.3445% | 3,727 |
Net interest margin | 4.1004% | 1,388 |
Noninterest income to average assets | 0.5896% | 2,537 |
Noninterest expense to average assets | 3.1265% | 1,732 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 1.2858% | 1,387 |
Return on assets (ROA) | 1.3180% | 1,313 |
Pretax return on assets | 1.3180% | 2,404 |
Return on Equity (ROE) | 11.5752% | 1,466 |
Retained earnings to average equity (ytd only) | 6.5825% | 1,922 |
Net charge-offs to loans | 0.1182% | 1,605 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | 17.2829% | 2,108 |
Efficiency ratio | 69.9593% | 2,544 |
Assets per employee ($millions) | 3.4220% | 4,839 |
Cash dividends to net income (ytd only)* | 43.1327% | 2,120 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1175% | 3,396 |
Loan loss allowance to noncurrent loans | 268.7813% | 1,737 |
Noncurrent assets plus other real estate owned to assets | 1.0137% | 1,672 |
Noncurrent loans to loans | 0.4157% | 3,458 |
Net loans and leases to total assets | 65.0521% | 3,240 |
Net loans and leases to deposits | 76.1828% | 3,354 |
Net loans and leases to core deposits | 77.1457% | 3,713 |
Total domestic deposits to total assets | 85.3894% | 2,563 |
Equity capital to assets | 11.5476% | 2,322 |
Core capital (leverage) ratio | 11.5670% | 1,974 |
Tier 1 risk-based capital ratio | 16.0995% | 2,457 |
Total risk-based capital ratio | 17.1441% | 2,482 |
Memoranda: | ||
Average total assets | $215,062,750 | 2,791 |
Average earning assets | $200,495,000 | 2,790 |
Average equity | $24,488,500 | 2,731 |
Average total loans | $135,405,500 | 2,861 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4683% | 1,604 |
Cost of funding earning assets | 0.3273% | 3,829 |
Net interest margin | 4.1410% | 1,219 |
Noninterest income to average assets | 0.6007% | 2,451 |
Noninterest expense to average assets | 3.1860% | 1,612 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 1.2744% | 1,367 |
Return on assets (ROA) | 1.2959% | 1,329 |
Pretax return on assets | 1.2959% | 2,402 |
Return on Equity (ROE) | 11.4362% | 1,480 |
Retained earnings to average equity (ytd only) | 3.8644% | 3,394 |
Net charge-offs to loans | 0.1223% | 1,428 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | 16.8148% | 1,961 |
Efficiency ratio | 70.5475% | 2,575 |
Assets per employee ($millions) | 3.4512% | 4,793 |
Cash dividends to net income (ytd only)* | 66.2094% | 1,270 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1959% | 3,040 |
Loan loss allowance to noncurrent loans | 281.8803% | 1,658 |
Noncurrent assets plus other real estate owned to assets | 0.9829% | 1,784 |
Noncurrent loans to loans | 0.4243% | 3,499 |
Net loans and leases to total assets | 62.6595% | 3,556 |
Net loans and leases to deposits | 73.0550% | 3,641 |
Net loans and leases to core deposits | 73.8882% | 3,947 |
Total domestic deposits to total assets | 85.7703% | 2,489 |
Equity capital to assets | 11.3882% | 2,419 |
Core capital (leverage) ratio | 11.2577% | 2,171 |
Tier 1 risk-based capital ratio | 16.1676% | 2,438 |
Total risk-based capital ratio | 17.2760% | 2,434 |
Memoranda: | ||
Average total assets | $213,748,330 | 2,816 |
Average earning assets | $199,227,000 | 2,812 |
Average equity | $24,221,330 | 2,757 |
Average total loans | $132,514,670 | 2,898 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6281% | 1,069 |
Cost of funding earning assets | 0.3098% | 3,941 |
Net interest margin | 4.3183% | 751 |
Noninterest income to average assets | 0.5625% | 2,592 |
Noninterest expense to average assets | 3.0975% | 1,873 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 1.4912% | 822 |
Return on assets (ROA) | 1.4912% | 851 |
Pretax return on assets | 1.4912% | 1,557 |
Return on Equity (ROE) | 13.1933% | 957 |
Retained earnings to average equity (ytd only) | 13.1933% | 360 |
Net charge-offs to loans | -0.0401% | 5,079 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.6392% | 3,388 |
Assets per employee ($millions) | 3.3983% | 4,928 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3355% | 2,356 |
Loan loss allowance to noncurrent loans | 242.0833% | 1,934 |
Noncurrent assets plus other real estate owned to assets | 0.9298% | 1,989 |
Noncurrent loans to loans | 0.5517% | 3,158 |
Net loans and leases to total assets | 61.1146% | 3,643 |
Net loans and leases to deposits | 70.1672% | 3,776 |
Net loans and leases to core deposits | 70.8814% | 4,082 |
Total domestic deposits to total assets | 87.0985% | 2,161 |
Equity capital to assets | 11.6523% | 2,077 |
Core capital (leverage) ratio | 11.6314% | 1,860 |
Tier 1 risk-based capital ratio | 16.9554% | 2,194 |
Total risk-based capital ratio | 18.1687% | 2,167 |
Memoranda: | ||
Average total assets | $211,909,500 | 2,871 |
Average earning assets | $197,575,500 | 2,856 |
Average equity | $23,951,500 | 2,798 |
Average total loans | $129,828,500 | 2,960 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2184% | 2,427 |
Cost of funding earning assets | 0.3188% | 3,856 |
Net interest margin | 3.8996% | 1,971 |
Noninterest income to average assets | 0.4795% | 3,353 |
Noninterest expense to average assets | 3.2779% | 1,623 |
Loan and lease loss provision to assets | 0.0000% | 4,332 |
Net operating income to assets | 0.6140% | 4,150 |
Return on assets (ROA) | 0.6700% | 4,024 |
Pretax return on assets | 0.9042% | 3,841 |
Return on Equity (ROE) | 5.9255% | 4,015 |
Retained earnings to average equity (ytd only) | 0.5302% | 5,117 |
Net charge-offs to loans | -0.1910% | 5,729 |
Credit loss provision to net charge-offs | 0.0000% | 3,785 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.8682% | 1,571 |
Assets per employee ($millions) | 3.4375% | 4,845 |
Cash dividends to net income (ytd only)* | 91.0530% | 566 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3395% | 2,341 |
Loan loss allowance to noncurrent loans | 604.8951% | 917 |
Noncurrent assets plus other real estate owned to assets | 1.2711% | 1,401 |
Noncurrent loans to loans | 0.2215% | 4,361 |
Net loans and leases to total assets | 59.7861% | 3,880 |
Net loans and leases to deposits | 69.5213% | 3,954 |
Net loans and leases to core deposits | 70.9668% | 4,154 |
Total domestic deposits to total assets | 85.9968% | 2,585 |
Equity capital to assets | 10.9571% | 2,661 |
Core capital (leverage) ratio | 11.0652% | 2,290 |
Tier 1 risk-based capital ratio | 16.4073% | 2,383 |
Total risk-based capital ratio | 17.6065% | 2,339 |
Memoranda: | ||
Average total assets | $216,878,800 | 2,787 |
Average earning assets | $201,712,200 | 2,771 |
Average equity | $24,521,000 | 2,757 |
Average total loans | $124,072,000 | 3,009 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1903% | 2,546 |
Cost of funding earning assets | 0.3193% | 3,878 |
Net interest margin | 3.8710% | 2,083 |
Noninterest income to average assets | 0.4719% | 3,417 |
Noninterest expense to average assets | 3.1812% | 1,826 |
Loan and lease loss provision to assets | 0.0000% | 4,186 |
Net operating income to assets | 0.6028% | 4,278 |
Return on assets (ROA) | 0.6531% | 4,190 |
Pretax return on assets | 0.9641% | 3,765 |
Return on Equity (ROE) | 5.7333% | 4,200 |
Retained earnings to average equity (ytd only) | 2.2138% | 4,589 |
Net charge-offs to loans | -0.2530% | 5,810 |
Credit loss provision to net charge-offs | 0.0000% | 3,412 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.1764% | 1,810 |
Assets per employee ($millions) | 3.4543% | 4,834 |
Cash dividends to net income (ytd only)* | 61.3870% | 1,381 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3897% | 2,248 |
Loan loss allowance to noncurrent loans | 420.9756% | 1,216 |
Noncurrent assets plus other real estate owned to assets | 1.3611% | 1,379 |
Noncurrent loans to loans | 0.3301% | 4,077 |
Net loans and leases to total assets | 56.2769% | 4,277 |
Net loans and leases to deposits | 64.1101% | 4,480 |
Net loans and leases to core deposits | 65.4741% | 4,644 |
Total domestic deposits to total assets | 87.7817% | 1,511 |
Equity capital to assets | 11.7556% | 2,297 |
Core capital (leverage) ratio | 11.1834% | 2,282 |
Tier 1 risk-based capital ratio | 17.1842% | 2,173 |
Total risk-based capital ratio | 18.4232% | 2,132 |
Memoranda: | ||
Average total assets | $217,817,750 | 2,786 |
Average earning assets | $202,528,250 | 2,774 |
Average equity | $24,813,250 | 2,759 |
Average total loans | $122,803,000 | 3,028 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2342% | 2,387 |
Cost of funding earning assets | 0.3261% | 3,838 |
Net interest margin | 3.9081% | 1,954 |
Noninterest income to average assets | 0.4498% | 3,523 |
Noninterest expense to average assets | 3.2183% | 1,768 |
Loan and lease loss provision to assets | 0.0000% | 4,017 |
Net operating income to assets | 0.4168% | 4,986 |
Return on assets (ROA) | 0.4544% | 4,941 |
Pretax return on assets | 0.9207% | 3,874 |
Return on Equity (ROE) | 4.0315% | 4,901 |
Retained earnings to average equity (ytd only) | -1.3031% | 5,474 |
Net charge-offs to loans | -0.0638% | 5,459 |
Credit loss provision to net charge-offs | 0.0000% | 3,050 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.9303% | 1,805 |
Assets per employee ($millions) | 3.5768% | 4,638 |
Cash dividends to net income (ytd only)* | 132.3232% | 273 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2589% | 3,020 |
Loan loss allowance to noncurrent loans | 333.7691% | 1,490 |
Noncurrent assets plus other real estate owned to assets | 1.4608% | 1,325 |
Noncurrent loans to loans | 0.3772% | 4,012 |
Net loans and leases to total assets | 55.9898% | 4,312 |
Net loans and leases to deposits | 64.9812% | 4,424 |
Net loans and leases to core deposits | 66.4084% | 4,578 |
Total domestic deposits to total assets | 86.1631% | 2,348 |
Equity capital to assets | 11.6273% | 2,421 |
Core capital (leverage) ratio | 10.8233% | 2,622 |
Tier 1 risk-based capital ratio | 16.9283% | 2,240 |
Total risk-based capital ratio | 18.0388% | 2,266 |
Memoranda: | ||
Average total assets | $217,882,330 | 2,792 |
Average earning assets | $202,400,670 | 2,786 |
Average equity | $24,556,670 | 2,784 |
Average total loans | $122,338,000 | 3,044 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2096% | 2,435 |
Cost of funding earning assets | 0.3243% | 3,905 |
Net interest margin | 3.8854% | 1,979 |
Noninterest income to average assets | 0.3444% | 4,265 |
Noninterest expense to average assets | 3.0412% | 2,268 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | -0.1616% | 5,868 |
Return on assets (ROA) | -0.1476% | 5,883 |
Pretax return on assets | 0.9275% | 3,742 |
Return on Equity (ROE) | -1.3301% | 5,882 |
Retained earnings to average equity (ytd only) | -1.3301% | 5,315 |
Net charge-offs to loans | -0.0163% | 4,760 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.0849% | 2,168 |
Assets per employee ($millions) | 3.5229% | 4,778 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2321% | 3,299 |
Loan loss allowance to noncurrent loans | 108.7872% | 3,448 |
Noncurrent assets plus other real estate owned to assets | 1.5901% | 1,255 |
Noncurrent loans to loans | 1.1326% | 2,134 |
Net loans and leases to total assets | 55.8787% | 4,270 |
Net loans and leases to deposits | 63.9608% | 4,444 |
Net loans and leases to core deposits | 65.4922% | 4,573 |
Total domestic deposits to total assets | 87.3640% | 2,021 |
Equity capital to assets | 11.5001% | 2,440 |
Core capital (leverage) ratio | 10.7146% | 2,708 |
Tier 1 risk-based capital ratio | 16.9156% | 2,319 |
Total risk-based capital ratio | 17.9976% | 2,323 |
Memoranda: | ||
Average total assets | $219,520,000 | 2,783 |
Average earning assets | $203,532,500 | 2,782 |
Average equity | $24,358,500 | 2,801 |
Average total loans | $122,662,000 | 3,046 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0801% | 2,998 |
Cost of funding earning assets | 0.3370% | 3,826 |
Net interest margin | 3.7431% | 2,587 |
Noninterest income to average assets | 0.3654% | 4,292 |
Noninterest expense to average assets | 3.2841% | 1,751 |
Loan and lease loss provision to assets | 0.0000% | 4,380 |
Net operating income to assets | 0.3953% | 5,068 |
Return on assets (ROA) | 0.4314% | 5,025 |
Pretax return on assets | 0.5937% | 4,858 |
Return on Equity (ROE) | 3.8908% | 4,992 |
Retained earnings to average equity (ytd only) | 1.1825% | 5,038 |
Net charge-offs to loans | 0.0290% | 3,642 |
Credit loss provision to net charge-offs | 0.0000% | 3,899 |
Earnings coverage of net charge-offs (x) | 34.9118% | 1,300 |
Efficiency ratio | 84.5509% | 1,131 |
Assets per employee ($millions) | 3.6745% | 4,521 |
Cash dividends to net income (ytd only)* | 69.6068% | 1,273 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2065% | 3,443 |
Loan loss allowance to noncurrent loans | 117.2820% | 3,317 |
Noncurrent assets plus other real estate owned to assets | 1.5936% | 1,242 |
Noncurrent loans to loans | 1.0287% | 2,275 |
Net loans and leases to total assets | 54.5417% | 4,446 |
Net loans and leases to deposits | 61.6997% | 4,657 |
Net loans and leases to core deposits | 62.8366% | 4,808 |
Total domestic deposits to total assets | 88.3986% | 1,425 |
Equity capital to assets | 10.7091% | 3,121 |
Core capital (leverage) ratio | 10.7140% | 2,695 |
Tier 1 risk-based capital ratio | 16.7865% | 2,365 |
Total risk-based capital ratio | 17.8474% | 2,386 |
Memoranda: | ||
Average total assets | $218,113,400 | 2,765 |
Average earning assets | $201,785,400 | 2,762 |
Average equity | $24,185,400 | 2,767 |
Average total loans | $117,072,000 | 3,092 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0608% | 3,099 |
Cost of funding earning assets | 0.3438% | 3,824 |
Net interest margin | 3.7170% | 2,685 |
Noninterest income to average assets | 0.3127% | 4,711 |
Noninterest expense to average assets | 3.2310% | 1,883 |
Loan and lease loss provision to assets | 0.0000% | 4,232 |
Net operating income to assets | 0.3862% | 5,209 |
Return on assets (ROA) | 0.4001% | 5,258 |
Pretax return on assets | 0.5485% | 5,101 |
Return on Equity (ROE) | 3.5767% | 5,195 |
Retained earnings to average equity (ytd only) | 1.4142% | 5,155 |
Net charge-offs to loans | 0.0832% | 2,355 |
Credit loss provision to net charge-offs | 0.0000% | 3,517 |
Earnings coverage of net charge-offs (x) | 11.9442% | 2,446 |
Efficiency ratio | 84.1545% | 1,153 |
Assets per employee ($millions) | 3.5868% | 4,632 |
Cash dividends to net income (ytd only)* | 60.4615% | 1,395 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2092% | 3,595 |
Loan loss allowance to noncurrent loans | 106.9067% | 3,535 |
Noncurrent assets plus other real estate owned to assets | 1.7044% | 1,267 |
Noncurrent loans to loans | 1.1311% | 2,246 |
Net loans and leases to total assets | 54.3320% | 4,531 |
Net loans and leases to deposits | 61.9710% | 4,723 |
Net loans and leases to core deposits | 63.1499% | 4,859 |
Total domestic deposits to total assets | 87.6732% | 1,713 |
Equity capital to assets | 11.1096% | 2,894 |
Core capital (leverage) ratio | 10.9571% | 2,534 |
Tier 1 risk-based capital ratio | 17.1049% | 2,333 |
Total risk-based capital ratio | 18.1640% | 2,359 |
Memoranda: | ||
Average total assets | $216,605,250 | 2,798 |
Average earning assets | $200,907,000 | 2,791 |
Average equity | $24,230,750 | 2,783 |
Average total loans | $115,403,500 | 3,140 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0122% | 3,235 |
Cost of funding earning assets | 0.3556% | 3,747 |
Net interest margin | 3.6566% | 2,887 |
Noninterest income to average assets | 0.4447% | 3,744 |
Noninterest expense to average assets | 3.2120% | 1,950 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.4816% | 4,843 |
Return on assets (ROA) | 0.5040% | 4,860 |
Pretax return on assets | 0.6430% | 4,847 |
Return on Equity (ROE) | 4.4949% | 4,820 |
Retained earnings to average equity (ytd only) | 1.2477% | 5,056 |
Net charge-offs to loans | 0.0615% | 2,500 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | 18.9429% | 1,779 |
Efficiency ratio | 82.2034% | 1,466 |
Assets per employee ($millions) | 3.4042% | 4,970 |
Cash dividends to net income (ytd only)* | 72.2426% | 1,131 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2820% | 3,339 |
Loan loss allowance to noncurrent loans | 70.7109% | 4,465 |
Noncurrent assets plus other real estate owned to assets | 2.2162% | 936 |
Noncurrent loans to loans | 1.8130% | 1,408 |
Net loans and leases to total assets | 53.5709% | 4,605 |
Net loans and leases to deposits | 61.1870% | 4,757 |
Net loans and leases to core deposits | 62.4586% | 4,907 |
Total domestic deposits to total assets | 87.5529% | 1,878 |
Equity capital to assets | 11.1644% | 2,706 |
Core capital (leverage) ratio | 10.8713% | 2,543 |
Tier 1 risk-based capital ratio | 17.4676% | 2,232 |
Total risk-based capital ratio | 18.5824% | 2,236 |
Memoranda: | ||
Average total assets | $215,876,330 | 2,826 |
Average earning assets | $199,640,330 | 2,824 |
Average equity | $24,205,330 | 2,787 |
Average total loans | $113,761,670 | 3,185 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8622% | 3,776 |
Cost of funding earning assets | 0.3437% | 3,944 |
Net interest margin | 3.5186% | 3,350 |
Noninterest income to average assets | 0.2658% | 5,052 |
Noninterest expense to average assets | 3.0155% | 2,536 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.3604% | 5,220 |
Return on assets (ROA) | 0.3697% | 5,309 |
Pretax return on assets | 0.4784% | 5,234 |
Return on Equity (ROE) | 3.3011% | 5,250 |
Retained earnings to average equity (ytd only) | 3.3011% | 4,000 |
Net charge-offs to loans | 0.0615% | 2,131 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | 16.0833% | 1,592 |
Efficiency ratio | 85.1492% | 1,256 |
Assets per employee ($millions) | 3.3339% | 5,188 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9791% | 1,122 |
Loan loss allowance to noncurrent loans | 77.0992% | 4,244 |
Noncurrent assets plus other real estate owned to assets | 3.3086% | 526 |
Noncurrent loans to loans | 2.5669% | 938 |
Net loans and leases to total assets | 45.9321% | 5,207 |
Net loans and leases to deposits | 52.9575% | 5,269 |
Net loans and leases to core deposits | 53.6140% | 5,388 |
Total domestic deposits to total assets | 86.7338% | 2,532 |
Equity capital to assets | 11.4922% | 2,466 |
Core capital (leverage) ratio | 10.8434% | 2,580 |
Tier 1 risk-based capital ratio | 19.1982% | 1,816 |
Total risk-based capital ratio | 20.4527% | 1,774 |
Memoranda: | ||
Average total assets | $165,542,500 | 3,432 |
Average earning assets | $151,311,500 | 3,444 |
Average equity | $18,539,500 | 3,377 |
Average total loans | $78,040,000 | 3,959 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2962% | 2,620 |
Cost of funding earning assets | 0.4142% | 3,550 |
Net interest margin | 3.8820% | 2,308 |
Noninterest income to average assets | 0.4941% | 3,556 |
Noninterest expense to average assets | 3.2280% | 2,134 |
Loan and lease loss provision to assets | 0.0000% | 4,603 |
Net operating income to assets | 0.5457% | 4,612 |
Return on assets (ROA) | 0.5650% | 4,621 |
Pretax return on assets | 0.8065% | 4,234 |
Return on Equity (ROE) | 4.9489% | 4,687 |
Retained earnings to average equity (ytd only) | 1.6496% | 4,988 |
Net charge-offs to loans | -0.1413% | 6,195 |
Credit loss provision to net charge-offs | 0.0000% | 4,203 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.2614% | 2,028 |
Assets per employee ($millions) | 3.4229% | 5,010 |
Cash dividends to net income (ytd only)* | 66.6667% | 1,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9201% | 1,270 |
Loan loss allowance to noncurrent loans | 84.6452% | 4,114 |
Noncurrent assets plus other real estate owned to assets | 2.7945% | 770 |
Noncurrent loans to loans | 2.2684% | 1,152 |
Net loans and leases to total assets | 46.5067% | 5,285 |
Net loans and leases to deposits | 53.1273% | 5,403 |
Net loans and leases to core deposits | 53.9851% | 5,501 |
Total domestic deposits to total assets | 87.5383% | 2,012 |
Equity capital to assets | 10.9139% | 2,991 |
Core capital (leverage) ratio | 10.2446% | 3,254 |
Tier 1 risk-based capital ratio | 18.1921% | 2,085 |
Total risk-based capital ratio | 19.4465% | 2,040 |
Memoranda: | ||
Average total assets | $163,539,000 | 3,432 |
Average earning assets | $147,992,600 | 3,476 |
Average equity | $18,670,800 | 3,332 |
Average total loans | $80,700,800 | 3,857 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3731% | 2,332 |
Cost of funding earning assets | 0.4220% | 3,554 |
Net interest margin | 3.9511% | 2,033 |
Noninterest income to average assets | 0.3840% | 4,363 |
Noninterest expense to average assets | 3.1000% | 2,468 |
Loan and lease loss provision to assets | 0.0000% | 4,401 |
Net operating income to assets | 0.5891% | 4,486 |
Return on assets (ROA) | 0.6146% | 4,469 |
Pretax return on assets | 0.8853% | 4,057 |
Return on Equity (ROE) | 5.3226% | 4,566 |
Retained earnings to average equity (ytd only) | 2.8922% | 4,540 |
Net charge-offs to loans | -0.0971% | 6,130 |
Credit loss provision to net charge-offs | 0.0000% | 3,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.2028% | 2,321 |
Assets per employee ($millions) | 3.4426% | 4,970 |
Cash dividends to net income (ytd only)* | 45.6611% | 2,064 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8572% | 1,557 |
Loan loss allowance to noncurrent loans | 117.2908% | 3,282 |
Noncurrent assets plus other real estate owned to assets | 2.4056% | 1,119 |
Noncurrent loans to loans | 1.5834% | 2,057 |
Net loans and leases to total assets | 46.1139% | 5,366 |
Net loans and leases to deposits | 53.5475% | 5,420 |
Net loans and leases to core deposits | 54.6187% | 5,527 |
Total domestic deposits to total assets | 86.1176% | 2,793 |
Equity capital to assets | 11.3623% | 2,617 |
Core capital (leverage) ratio | 11.2235% | 2,289 |
Tier 1 risk-based capital ratio | 19.2754% | 1,829 |
Total risk-based capital ratio | 20.5295% | 1,803 |
Memoranda: | ||
Average total assets | $162,493,250 | 3,485 |
Average earning assets | $146,588,750 | 3,527 |
Average equity | $18,762,250 | 3,333 |
Average total loans | $80,993,750 | 3,879 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4106% | 2,143 |
Cost of funding earning assets | 0.4354% | 3,490 |
Net interest margin | 3.9753% | 1,886 |
Noninterest income to average assets | 0.5311% | 3,259 |
Noninterest expense to average assets | 3.0456% | 2,669 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.7305% | 3,675 |
Return on assets (ROA) | 0.7305% | 3,770 |
Pretax return on assets | 1.0484% | 3,288 |
Return on Equity (ROE) | 6.2918% | 4,002 |
Retained earnings to average equity (ytd only) | 2.6198% | 4,533 |
Net charge-offs to loans | -0.1888% | 6,329 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.1121% | 3,138 |
Assets per employee ($millions) | 3.1719% | 5,469 |
Cash dividends to net income (ytd only)* | 58.3618% | 1,584 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8782% | 1,630 |
Loan loss allowance to noncurrent loans | 78.0105% | 4,261 |
Noncurrent assets plus other real estate owned to assets | 3.1682% | 791 |
Noncurrent loans to loans | 2.4076% | 1,311 |
Net loans and leases to total assets | 48.1195% | 5,163 |
Net loans and leases to deposits | 55.3753% | 5,247 |
Net loans and leases to core deposits | 56.6817% | 5,366 |
Total domestic deposits to total assets | 86.8971% | 2,516 |
Equity capital to assets | 11.7583% | 2,197 |
Core capital (leverage) ratio | 11.1960% | 2,248 |
Tier 1 risk-based capital ratio | 19.1860% | 1,878 |
Total risk-based capital ratio | 20.4405% | 1,838 |
Memoranda: | ||
Average total assets | $160,428,000 | 3,531 |
Average earning assets | $143,789,000 | 3,599 |
Average equity | $18,627,330 | 3,340 |
Average total loans | $81,571,330 | 3,862 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3023% | 2,508 |
Cost of funding earning assets | 0.4414% | 3,523 |
Net interest margin | 3.8609% | 2,225 |
Noninterest income to average assets | 0.3956% | 4,222 |
Noninterest expense to average assets | 3.0671% | 2,636 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.6134% | 4,137 |
Return on assets (ROA) | 0.6134% | 4,211 |
Pretax return on assets | 0.7887% | 4,151 |
Return on Equity (ROE) | 5.3173% | 4,379 |
Retained earnings to average equity (ytd only) | 5.3173% | 2,909 |
Net charge-offs to loans | -0.1306% | 6,236 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.1818% | 2,447 |
Assets per employee ($millions) | 3.1178% | 5,656 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7336% | 2,235 |
Loan loss allowance to noncurrent loans | 66.3900% | 4,623 |
Noncurrent assets plus other real estate owned to assets | 3.9357% | 615 |
Noncurrent loans to loans | 2.6112% | 1,316 |
Net loans and leases to total assets | 51.3342% | 4,746 |
Net loans and leases to deposits | 58.7205% | 4,871 |
Net loans and leases to core deposits | 60.2341% | 5,017 |
Total domestic deposits to total assets | 87.4213% | 2,552 |
Equity capital to assets | 11.7856% | 2,024 |
Core capital (leverage) ratio | 11.4581% | 1,998 |
Tier 1 risk-based capital ratio | 18.8052% | 2,029 |
Total risk-based capital ratio | 20.0581% | 1,984 |
Memoranda: | ||
Average total assets | $159,759,000 | 3,564 |
Average earning assets | $143,178,500 | 3,632 |
Average equity | $18,430,500 | 3,363 |
Average total loans | $82,691,500 | 3,870 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5342% | 2,079 |
Cost of funding earning assets | 0.5256% | 3,338 |
Net interest margin | 4.0086% | 1,924 |
Noninterest income to average assets | 0.3667% | 4,689 |
Noninterest expense to average assets | 3.4481% | 1,771 |
Loan and lease loss provision to assets | 0.0000% | 5,091 |
Net operating income to assets | 0.3795% | 5,222 |
Return on assets (ROA) | 0.4258% | 5,167 |
Pretax return on assets | 0.5579% | 5,018 |
Return on Equity (ROE) | 3.5935% | 5,284 |
Retained earnings to average equity (ytd only) | 1.1200% | 5,327 |
Net charge-offs to loans | 0.4977% | 1,328 |
Credit loss provision to net charge-offs | 0.0000% | 4,707 |
Earnings coverage of net charge-offs (x) | 1.9899% | 4,383 |
Efficiency ratio | 86.0491% | 1,411 |
Assets per employee ($millions) | 3.2102% | 5,471 |
Cash dividends to net income (ytd only)* | 68.8331% | 1,361 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7165% | 2,348 |
Loan loss allowance to noncurrent loans | 58.8750% | 4,908 |
Noncurrent assets plus other real estate owned to assets | 4.2707% | 601 |
Noncurrent loans to loans | 2.9155% | 1,200 |
Net loans and leases to total assets | 50.4046% | 5,038 |
Net loans and leases to deposits | 57.3921% | 5,176 |
Net loans and leases to core deposits | 58.8456% | 5,319 |
Total domestic deposits to total assets | 87.8251% | 2,290 |
Equity capital to assets | 11.2896% | 2,351 |
Core capital (leverage) ratio | 11.0888% | 2,307 |
Tier 1 risk-based capital ratio | 18.4879% | 2,085 |
Total risk-based capital ratio | 19.7402% | 2,054 |
Memoranda: | ||
Average total assets | $158,986,200 | 3,578 |
Average earning assets | $141,921,600 | 3,635 |
Average equity | $18,839,800 | 3,296 |
Average total loans | $79,763,200 | 3,943 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5386% | 2,085 |
Cost of funding earning assets | 0.5368% | 3,393 |
Net interest margin | 4.0017% | 1,941 |
Noninterest income to average assets | 0.4044% | 4,500 |
Noninterest expense to average assets | 3.3163% | 2,034 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.4582% | 4,989 |
Return on assets (ROA) | 0.5145% | 4,890 |
Pretax return on assets | 0.7414% | 4,525 |
Return on Equity (ROE) | 4.2902% | 5,077 |
Retained earnings to average equity (ytd only) | 2.6569% | 4,730 |
Net charge-offs to loans | 0.4364% | 1,471 |
Credit loss provision to net charge-offs | 0.0000% | 4,342 |
Earnings coverage of net charge-offs (x) | 3.0309% | 3,829 |
Efficiency ratio | 82.0507% | 1,818 |
Assets per employee ($millions) | 3.1655% | 5,565 |
Cash dividends to net income (ytd only)* | 38.0720% | 2,352 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9200% | 1,941 |
Loan loss allowance to noncurrent loans | 53.6122% | 5,073 |
Noncurrent assets plus other real estate owned to assets | 5.0646% | 545 |
Noncurrent loans to loans | 3.5812% | 1,057 |
Net loans and leases to total assets | 50.0600% | 5,126 |
Net loans and leases to deposits | 57.2535% | 5,258 |
Net loans and leases to core deposits | 58.7452% | 5,387 |
Total domestic deposits to total assets | 87.4357% | 2,446 |
Equity capital to assets | 11.6728% | 2,150 |
Core capital (leverage) ratio | 11.4596% | 2,074 |
Tier 1 risk-based capital ratio | 18.7244% | 2,072 |
Total risk-based capital ratio | 19.9791% | 2,040 |
Memoranda: | ||
Average total assets | $158,605,000 | 3,613 |
Average earning assets | $141,568,250 | 3,680 |
Average equity | $19,019,500 | 3,312 |
Average total loans | $79,124,500 | 4,000 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5032% | 2,190 |
Cost of funding earning assets | 0.5439% | 3,475 |
Net interest margin | 3.9593% | 2,010 |
Noninterest income to average assets | 0.3415% | 4,953 |
Noninterest expense to average assets | 3.3507% | 1,933 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 0.3632% | 5,351 |
Return on assets (ROA) | 0.4335% | 5,246 |
Pretax return on assets | 0.6351% | 4,896 |
Return on Equity (ROE) | 3.5831% | 5,387 |
Retained earnings to average equity (ytd only) | 1.1562% | 5,440 |
Net charge-offs to loans | 0.2291% | 2,354 |
Credit loss provision to net charge-offs | 0.0000% | 4,003 |
Earnings coverage of net charge-offs (x) | 4.6889% | 3,066 |
Efficiency ratio | 84.9400% | 1,538 |
Assets per employee ($millions) | 3.2951% | 5,277 |
Cash dividends to net income (ytd only)* | 67.7326% | 1,274 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1941% | 1,434 |
Loan loss allowance to noncurrent loans | 42.9035% | 5,497 |
Noncurrent assets plus other real estate owned to assets | 5.4158% | 545 |
Noncurrent loans to loans | 5.1140% | 616 |
Net loans and leases to total assets | 48.4763% | 5,287 |
Net loans and leases to deposits | 56.6262% | 5,281 |
Net loans and leases to core deposits | 58.1371% | 5,409 |
Total domestic deposits to total assets | 85.6075% | 3,576 |
Equity capital to assets | 11.5815% | 2,235 |
Core capital (leverage) ratio | 11.1283% | 2,229 |
Tier 1 risk-based capital ratio | 17.1238% | 2,672 |
Total risk-based capital ratio | 18.3793% | 2,641 |
Memoranda: | ||
Average total assets | $158,715,330 | 3,637 |
Average earning assets | $141,943,330 | 3,694 |
Average equity | $19,201,000 | 3,302 |
Average total loans | $78,571,670 | 4,022 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5292% | 2,068 |
Cost of funding earning assets | 0.5521% | 3,554 |
Net interest margin | 3.9771% | 1,874 |
Noninterest income to average assets | 0.6415% | 2,924 |
Noninterest expense to average assets | 3.1373% | 2,552 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 0.6991% | 3,691 |
Return on assets (ROA) | 0.8353% | 3,123 |
Pretax return on assets | 1.2630% | 2,360 |
Return on Equity (ROE) | 6.7609% | 3,614 |
Retained earnings to average equity (ytd only) | 6.7609% | 2,272 |
Net charge-offs to loans | 0.2136% | 2,143 |
Credit loss provision to net charge-offs | 0.0000% | 3,239 |
Earnings coverage of net charge-offs (x) | 10.0000% | 1,783 |
Efficiency ratio | 73.5453% | 3,341 |
Assets per employee ($millions) | 3.3379% | 5,357 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2507% | 1,482 |
Loan loss allowance to noncurrent loans | 41.7572% | 5,521 |
Noncurrent assets plus other real estate owned to assets | 5.6323% | 605 |
Noncurrent loans to loans | 5.3899% | 683 |
Net loans and leases to total assets | 48.9454% | 5,118 |
Net loans and leases to deposits | 56.5630% | 5,190 |
Net loans and leases to core deposits | 58.2971% | 5,318 |
Total domestic deposits to total assets | 86.5325% | 3,214 |
Equity capital to assets | 12.5611% | 1,676 |
Core capital (leverage) ratio | 11.3539% | 1,974 |
Tier 1 risk-based capital ratio | 17.8060% | 2,444 |
Total risk-based capital ratio | 19.0620% | 2,402 |
Memoranda: | ||
Average total assets | $158,990,000 | 3,671 |
Average earning assets | $142,012,000 | 3,732 |
Average equity | $19,642,500 | 3,295 |
Average total loans | $78,661,000 | 4,049 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0232% | 1,497 |
Cost of funding earning assets | 0.7682% | 2,934 |
Net interest margin | 4.2550% | 1,509 |
Noninterest income to average assets | 0.5751% | 3,416 |
Noninterest expense to average assets | 3.3560% | 2,166 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.7262% | 3,614 |
Return on assets (ROA) | 0.7836% | 3,602 |
Pretax return on assets | 1.0632% | 3,300 |
Return on Equity (ROE) | 6.0528% | 4,142 |
Retained earnings to average equity (ytd only) | -3.5247% | 6,312 |
Net charge-offs to loans | 0.3567% | 2,848 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 5.3854% | 3,055 |
Efficiency ratio | 76.0539% | 2,731 |
Assets per employee ($millions) | 3.4276% | 5,153 |
Cash dividends to net income (ytd only)* | 158.2320% | 193 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2966% | 1,378 |
Loan loss allowance to noncurrent loans | 45.0336% | 5,374 |
Noncurrent assets plus other real estate owned to assets | 5.4488% | 685 |
Noncurrent loans to loans | 5.0998% | 772 |
Net loans and leases to total assets | 47.7712% | 5,434 |
Net loans and leases to deposits | 55.2386% | 5,525 |
Net loans and leases to core deposits | 56.8937% | 5,640 |
Total domestic deposits to total assets | 86.4816% | 3,106 |
Equity capital to assets | 12.1534% | 1,943 |
Core capital (leverage) ratio | 10.9971% | 2,254 |
Tier 1 risk-based capital ratio | 17.0572% | 2,625 |
Total risk-based capital ratio | 18.3139% | 2,586 |
Memoranda: | ||
Average total assets | $157,359,000 | 3,663 |
Average earning assets | $139,294,400 | 3,737 |
Average equity | $20,370,600 | 3,156 |
Average total loans | $80,735,200 | 4,018 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1209% | 1,380 |
Cost of funding earning assets | 0.8131% | 2,840 |
Net interest margin | 4.3079% | 1,441 |
Noninterest income to average assets | 0.5464% | 3,630 |
Noninterest expense to average assets | 3.3012% | 2,274 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 0.7471% | 3,700 |
Return on assets (ROA) | 0.8097% | 3,645 |
Pretax return on assets | 1.1507% | 3,156 |
Return on Equity (ROE) | 6.1582% | 4,258 |
Retained earnings to average equity (ytd only) | 3.2281% | 4,595 |
Net charge-offs to loans | 0.4219% | 2,409 |
Credit loss provision to net charge-offs | 0.0000% | 5,158 |
Earnings coverage of net charge-offs (x) | 4.8443% | 3,190 |
Efficiency ratio | 74.4431% | 2,909 |
Assets per employee ($millions) | 3.3061% | 5,432 |
Cash dividends to net income (ytd only)* | 47.5786% | 1,805 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2993% | 1,517 |
Loan loss allowance to noncurrent loans | 59.0311% | 4,697 |
Noncurrent assets plus other real estate owned to assets | 5.2296% | 830 |
Noncurrent loans to loans | 3.8950% | 1,329 |
Net loans and leases to total assets | 50.3173% | 5,278 |
Net loans and leases to deposits | 58.5843% | 5,368 |
Net loans and leases to core deposits | 60.4285% | 5,511 |
Total domestic deposits to total assets | 85.8887% | 3,313 |
Equity capital to assets | 13.4858% | 1,353 |
Core capital (leverage) ratio | 12.1503% | 1,561 |
Tier 1 risk-based capital ratio | 18.5919% | 2,135 |
Total risk-based capital ratio | 19.8493% | 2,099 |
Memoranda: | ||
Average total assets | $156,424,000 | 3,712 |
Average earning assets | $138,564,750 | 3,780 |
Average equity | $20,568,500 | 3,164 |
Average total loans | $81,227,000 | 4,044 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2570% | 1,128 |
Cost of funding earning assets | 0.8591% | 2,735 |
Net interest margin | 4.3979% | 1,203 |
Noninterest income to average assets | 0.6774% | 2,790 |
Noninterest expense to average assets | 3.3820% | 2,076 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 0.7753% | 3,485 |
Return on assets (ROA) | 0.8624% | 3,343 |
Pretax return on assets | 1.3217% | 2,477 |
Return on Equity (ROE) | 6.6146% | 3,985 |
Retained earnings to average equity (ytd only) | 2.1918% | 5,097 |
Net charge-offs to loans | 0.4067% | 2,402 |
Credit loss provision to net charge-offs | 0.0000% | 4,809 |
Earnings coverage of net charge-offs (x) | 5.6084% | 2,797 |
Efficiency ratio | 72.8364% | 3,270 |
Assets per employee ($millions) | 3.3498% | 5,329 |
Cash dividends to net income (ytd only)* | 66.8639% | 1,165 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3765% | 1,450 |
Loan loss allowance to noncurrent loans | 79.4650% | 3,814 |
Noncurrent assets plus other real estate owned to assets | 4.9885% | 957 |
Noncurrent loans to loans | 2.9906% | 1,980 |
Net loans and leases to total assets | 50.3827% | 5,306 |
Net loans and leases to deposits | 59.6822% | 5,267 |
Net loans and leases to core deposits | 61.2964% | 5,461 |
Total domestic deposits to total assets | 84.4183% | 4,131 |
Equity capital to assets | 13.0506% | 1,493 |
Core capital (leverage) ratio | 11.7606% | 1,748 |
Tier 1 risk-based capital ratio | 18.0350% | 2,279 |
Total risk-based capital ratio | 19.2930% | 2,248 |
Memoranda: | ||
Average total assets | $156,770,000 | 3,726 |
Average earning assets | $138,749,330 | 3,804 |
Average equity | $20,439,670 | 3,172 |
Average total loans | $81,627,330 | 4,049 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0922% | 1,598 |
Cost of funding earning assets | 0.9322% | 2,423 |
Net interest margin | 4.1600% | 1,894 |
Noninterest income to average assets | 0.5804% | 3,349 |
Noninterest expense to average assets | 3.5133% | 1,735 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 0.5881% | 4,400 |
Return on assets (ROA) | 0.5881% | 4,618 |
Pretax return on assets | 0.7415% | 4,642 |
Return on Equity (ROE) | 4.5129% | 5,036 |
Retained earnings to average equity (ytd only) | 4.5129% | 3,875 |
Net charge-offs to loans | 0.3129% | 2,398 |
Credit loss provision to net charge-offs | 0.0000% | 3,998 |
Earnings coverage of net charge-offs (x) | 4.5313% | 2,557 |
Efficiency ratio | 81.3101% | 2,041 |
Assets per employee ($millions) | 3.3900% | 5,364 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4929% | 1,368 |
Loan loss allowance to noncurrent loans | 51.7566% | 4,968 |
Noncurrent assets plus other real estate owned to assets | 6.4197% | 706 |
Noncurrent loans to loans | 4.8166% | 1,177 |
Net loans and leases to total assets | 50.9924% | 5,161 |
Net loans and leases to deposits | 58.8743% | 5,286 |
Net loans and leases to core deposits | 60.6115% | 5,475 |
Total domestic deposits to total assets | 86.6122% | 3,169 |
Equity capital to assets | 13.1434% | 1,381 |
Core capital (leverage) ratio | 11.8603% | 1,670 |
Tier 1 risk-based capital ratio | 18.0856% | 2,254 |
Total risk-based capital ratio | 19.3452% | 2,223 |
Memoranda: | ||
Average total assets | $156,434,500 | 3,754 |
Average earning assets | $138,172,500 | 3,847 |
Average equity | $20,386,000 | 3,181 |
Average total loans | $81,814,000 | 4,069 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2198% | 1,985 |
Cost of funding earning assets | 1.1724% | 2,208 |
Net interest margin | 4.0473% | 2,646 |
Noninterest income to average assets | 0.3123% | 5,308 |
Noninterest expense to average assets | 3.1796% | 2,940 |
Loan and lease loss provision to assets | 0.2101% | 4,087 |
Net operating income to assets | 0.4132% | 4,802 |
Return on assets (ROA) | 0.4227% | 4,953 |
Pretax return on assets | 0.5262% | 4,915 |
Return on Equity (ROE) | 3.3613% | 5,134 |
Retained earnings to average equity (ytd only) | 1.0423% | 5,372 |
Net charge-offs to loans | 0.9450% | 1,841 |
Credit loss provision to net charge-offs | 40.3129% | 5,619 |
Earnings coverage of net charge-offs (x) | 1.3899% | 4,725 |
Efficiency ratio | 80.5462% | 2,230 |
Assets per employee ($millions) | 3.4115% | 5,216 |
Cash dividends to net income (ytd only)* | 68.9911% | 1,179 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5549% | 1,242 |
Loan loss allowance to noncurrent loans | 47.1872% | 5,173 |
Noncurrent assets plus other real estate owned to assets | 6.6253% | 707 |
Noncurrent loans to loans | 5.4144% | 986 |
Net loans and leases to total assets | 50.9660% | 5,467 |
Net loans and leases to deposits | 58.6820% | 5,636 |
Net loans and leases to core deposits | 60.4800% | 5,799 |
Total domestic deposits to total assets | 86.8513% | 2,847 |
Equity capital to assets | 12.9206% | 1,531 |
Core capital (leverage) ratio | 11.5051% | 1,884 |
Tier 1 risk-based capital ratio | 17.7995% | 2,265 |
Total risk-based capital ratio | 19.0593% | 2,237 |
Memoranda: | ||
Average total assets | $159,453,600 | 3,639 |
Average earning assets | $141,500,200 | 3,715 |
Average equity | $20,051,800 | 3,137 |
Average total loans | $87,934,000 | 3,910 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2535% | 2,013 |
Cost of funding earning assets | 1.2261% | 2,153 |
Net interest margin | 4.0274% | 2,792 |
Noninterest income to average assets | 0.5738% | 3,348 |
Noninterest expense to average assets | 3.4556% | 2,061 |
Loan and lease loss provision to assets | 0.1541% | 4,538 |
Net operating income to assets | 0.4304% | 4,854 |
Return on assets (ROA) | 0.4431% | 5,006 |
Pretax return on assets | 0.5555% | 4,950 |
Return on Equity (ROE) | 3.5474% | 5,204 |
Retained earnings to average equity (ytd only) | 3.5474% | 4,219 |
Net charge-offs to loans | 1.0216% | 1,570 |
Credit loss provision to net charge-offs | 27.0073% | 5,459 |
Earnings coverage of net charge-offs (x) | 1.2161% | 4,711 |
Efficiency ratio | 82.5773% | 1,890 |
Assets per employee ($millions) | 3.4562% | 5,108 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5033% | 1,394 |
Loan loss allowance to noncurrent loans | 39.0996% | 5,674 |
Noncurrent assets plus other real estate owned to assets | 6.9271% | 717 |
Noncurrent loans to loans | 6.4023% | 835 |
Net loans and leases to total assets | 51.2737% | 5,544 |
Net loans and leases to deposits | 59.2300% | 5,725 |
Net loans and leases to core deposits | 61.2951% | 5,879 |
Total domestic deposits to total assets | 86.5672% | 2,899 |
Equity capital to assets | 13.0189% | 1,607 |
Core capital (leverage) ratio | 11.7504% | 1,856 |
Tier 1 risk-based capital ratio | 17.9096% | 2,286 |
Total risk-based capital ratio | 19.1690% | 2,248 |
Memoranda: | ||
Average total assets | $160,085,000 | 3,651 |
Average earning assets | $142,123,750 | 3,730 |
Average equity | $19,995,750 | 3,141 |
Average total loans | $89,398,250 | 3,909 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3574% | 1,703 |
Cost of funding earning assets | 1.2850% | 2,037 |
Net interest margin | 4.0723% | 2,520 |
Noninterest income to average assets | 0.4874% | 3,960 |
Noninterest expense to average assets | 3.3244% | 2,482 |
Loan and lease loss provision to assets | 0.2306% | 3,605 |
Net operating income to assets | 0.4173% | 4,865 |
Return on assets (ROA) | 0.4350% | 4,933 |
Pretax return on assets | 0.5784% | 4,816 |
Return on Equity (ROE) | 3.5321% | 5,152 |
Retained earnings to average equity (ytd only) | 3.5321% | 3,999 |
Net charge-offs to loans | 0.3438% | 3,186 |
Credit loss provision to net charge-offs | 117.8344% | 2,606 |
Earnings coverage of net charge-offs (x) | 4.0127% | 2,992 |
Efficiency ratio | 80.4671% | 2,316 |
Assets per employee ($millions) | 3.5350% | 4,842 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.0186% | 883 |
Loan loss allowance to noncurrent loans | 37.7884% | 5,782 |
Noncurrent assets plus other real estate owned to assets | 7.2863% | 677 |
Noncurrent loans to loans | 7.9881% | 568 |
Net loans and leases to total assets | 54.1395% | 5,273 |
Net loans and leases to deposits | 62.5473% | 5,440 |
Net loans and leases to core deposits | 65.4857% | 5,566 |
Total domestic deposits to total assets | 86.5577% | 3,008 |
Equity capital to assets | 13.0488% | 1,497 |
Core capital (leverage) ratio | 11.5074% | 1,908 |
Tier 1 risk-based capital ratio | 17.6405% | 2,294 |
Total risk-based capital ratio | 18.9064% | 2,255 |
Memoranda: | ||
Average total assets | $160,452,000 | 3,679 |
Average earning assets | $142,718,670 | 3,748 |
Average equity | $19,761,670 | 3,159 |
Average total loans | $91,327,670 | 3,911 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2905% | 1,892 |
Cost of funding earning assets | 1.3551% | 1,852 |
Net interest margin | 3.9354% | 2,977 |
Noninterest income to average assets | 0.3879% | 4,809 |
Noninterest expense to average assets | 3.1895% | 2,929 |
Loan and lease loss provision to assets | 0.4542% | 1,938 |
Net operating income to assets | 0.1154% | 6,052 |
Return on assets (ROA) | 0.1154% | 6,107 |
Pretax return on assets | 0.2382% | 5,839 |
Return on Equity (ROE) | 0.9644% | 6,144 |
Retained earnings to average equity (ytd only) | 0.9644% | 5,444 |
Net charge-offs to loans | 0.2223% | 3,199 |
Credit loss provision to net charge-offs | 355.7692% | 924 |
Earnings coverage of net charge-offs (x) | 5.4231% | 2,283 |
Efficiency ratio | 81.6572% | 2,276 |
Assets per employee ($millions) | 3.6523% | 4,648 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9696% | 940 |
Loan loss allowance to noncurrent loans | 33.2520% | 6,084 |
Noncurrent assets plus other real estate owned to assets | 7.5675% | 658 |
Noncurrent loans to loans | 8.9306% | 506 |
Net loans and leases to total assets | 55.4265% | 5,090 |
Net loans and leases to deposits | 64.3024% | 5,216 |
Net loans and leases to core deposits | 67.8109% | 5,312 |
Total domestic deposits to total assets | 86.1967% | 3,401 |
Equity capital to assets | 12.1661% | 1,817 |
Core capital (leverage) ratio | 11.0662% | 2,138 |
Tier 1 risk-based capital ratio | 16.4619% | 2,678 |
Total risk-based capital ratio | 17.7272% | 2,646 |
Memoranda: | ||
Average total assets | $162,908,500 | 3,655 |
Average earning assets | $144,635,500 | 3,738 |
Average equity | $19,494,500 | 3,189 |
Average total loans | $93,577,000 | 3,890 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7728% | 1,348 |
Cost of funding earning assets | 1.7039% | 1,584 |
Net interest margin | 4.0689% | 2,712 |
Noninterest income to average assets | 0.4188% | 4,752 |
Noninterest expense to average assets | 3.5563% | 2,043 |
Loan and lease loss provision to assets | 0.2136% | 5,120 |
Net operating income to assets | 0.4188% | 4,469 |
Return on assets (ROA) | 0.4636% | 4,422 |
Pretax return on assets | 0.3222% | 5,174 |
Return on Equity (ROE) | 4.1941% | 4,434 |
Retained earnings to average equity (ytd only) | 4.1941% | 2,908 |
Net charge-offs to loans | -0.0081% | 7,299 |
Credit loss provision to net charge-offs | -4,475.0000% | 7,206 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.6108% | 1,847 |
Assets per employee ($millions) | 3.7526% | 4,360 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7193% | 1,143 |
Loan loss allowance to noncurrent loans | 37.8099% | 5,788 |
Noncurrent assets plus other real estate owned to assets | 6.5596% | 864 |
Noncurrent loans to loans | 7.1919% | 768 |
Net loans and leases to total assets | 56.1811% | 5,317 |
Net loans and leases to deposits | 65.8031% | 5,430 |
Net loans and leases to core deposits | 69.3973% | 5,503 |
Total domestic deposits to total assets | 85.3776% | 3,679 |
Equity capital to assets | 11.7723% | 2,060 |
Core capital (leverage) ratio | 10.8465% | 2,272 |
Tier 1 risk-based capital ratio | 15.5962% | 2,954 |
Total risk-based capital ratio | 16.8586% | 2,904 |
Memoranda: | ||
Average total assets | $167,617,000 | 3,580 |
Average earning assets | $149,477,000 | 3,642 |
Average equity | $18,526,200 | 3,347 |
Average total loans | $98,694,400 | 3,837 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4859% | 2,489 |
Cost of funding earning assets | 1.7728% | 1,538 |
Net interest margin | 3.7132% | 4,340 |
Noninterest income to average assets | 0.4169% | 4,823 |
Noninterest expense to average assets | 3.6375% | 1,701 |
Loan and lease loss provision to assets | 1.2347% | 1,145 |
Net operating income to assets | -1.0134% | 6,909 |
Return on assets (ROA) | -0.9605% | 6,921 |
Pretax return on assets | -1.0794% | 6,894 |
Return on Equity (ROE) | -8.8312% | 6,873 |
Retained earnings to average equity (ytd only) | -8.8312% | 6,817 |
Net charge-offs to loans | 1.3852% | 1,469 |
Credit loss provision to net charge-offs | 150.6770% | 2,584 |
Earnings coverage of net charge-offs (x) | 0.1170% | 5,905 |
Efficiency ratio | 93.9079% | 1,003 |
Assets per employee ($millions) | 3.6360% | 4,649 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8569% | 949 |
Loan loss allowance to noncurrent loans | 44.8923% | 5,279 |
Noncurrent assets plus other real estate owned to assets | 6.2120% | 946 |
Noncurrent loans to loans | 6.3639% | 949 |
Net loans and leases to total assets | 57.1703% | 5,383 |
Net loans and leases to deposits | 66.4347% | 5,619 |
Net loans and leases to core deposits | 69.8987% | 5,760 |
Total domestic deposits to total assets | 86.0549% | 3,049 |
Equity capital to assets | 10.9895% | 2,972 |
Core capital (leverage) ratio | 9.6451% | 3,685 |
Tier 1 risk-based capital ratio | 14.0679% | 3,783 |
Total risk-based capital ratio | 15.3323% | 3,746 |
Memoranda: | ||
Average total assets | $168,242,250 | 3,614 |
Average earning assets | $150,271,000 | 3,678 |
Average equity | $18,298,250 | 3,426 |
Average total loans | $99,528,750 | 3,873 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.6326% | 2,013 |
Cost of funding earning assets | 1.8234% | 1,548 |
Net interest margin | 3.8092% | 3,856 |
Noninterest income to average assets | 0.4217% | 4,739 |
Noninterest expense to average assets | 3.6682% | 1,626 |
Loan and lease loss provision to assets | 1.5408% | 852 |
Net operating income to assets | -1.1998% | 7,027 |
Return on assets (ROA) | -1.1238% | 7,012 |
Pretax return on assets | -1.3005% | 7,009 |
Return on Equity (ROE) | -10.3673% | 6,980 |
Retained earnings to average equity (ytd only) | -10.3673% | 6,931 |
Net charge-offs to loans | 0.3002% | 3,816 |
Credit loss provision to net charge-offs | 866.2252% | 433 |
Earnings coverage of net charge-offs (x) | 0.8543% | 4,916 |
Efficiency ratio | 92.5994% | 1,153 |
Assets per employee ($millions) | 3.7253% | 4,398 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4336% | 583 |
Loan loss allowance to noncurrent loans | 39.0221% | 5,744 |
Noncurrent assets plus other real estate owned to assets | 6.9250% | 767 |
Noncurrent loans to loans | 8.7991% | 552 |
Net loans and leases to total assets | 56.7717% | 5,583 |
Net loans and leases to deposits | 66.7611% | 5,714 |
Net loans and leases to core deposits | 70.5234% | 5,825 |
Total domestic deposits to total assets | 85.0370% | 3,605 |
Equity capital to assets | 10.8471% | 3,030 |
Core capital (leverage) ratio | 9.6426% | 3,618 |
Tier 1 risk-based capital ratio | 14.0330% | 3,708 |
Total risk-based capital ratio | 15.3036% | 3,657 |
Memoranda: | ||
Average total assets | $169,783,000 | 3,602 |
Average earning assets | $151,474,330 | 3,684 |
Average equity | $18,404,000 | 3,394 |
Average total loans | $100,607,330 | 3,875 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5426% | 2,395 |
Cost of funding earning assets | 1.8833% | 1,516 |
Net interest margin | 3.6593% | 4,442 |
Noninterest income to average assets | 0.4472% | 4,499 |
Noninterest expense to average assets | 3.6522% | 1,611 |
Loan and lease loss provision to assets | 2.5940% | 402 |
Net operating income to assets | -2.1510% | 7,493 |
Return on assets (ROA) | -2.0017% | 7,466 |
Pretax return on assets | -2.3529% | 7,489 |
Return on Equity (ROE) | -18.4725% | 7,405 |
Retained earnings to average equity (ytd only) | -18.4725% | 7,326 |
Net charge-offs to loans | 0.3503% | 3,006 |
Credit loss provision to net charge-offs | 1,244.9438% | 398 |
Earnings coverage of net charge-offs (x) | 0.3146% | 4,762 |
Efficiency ratio | 94.7733% | 1,094 |
Assets per employee ($millions) | 3.7380% | 4,472 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.2493% | 669 |
Loan loss allowance to noncurrent loans | 33.7492% | 6,143 |
Noncurrent assets plus other real estate owned to assets | 7.2463% | 728 |
Noncurrent loans to loans | 9.6277% | 452 |
Net loans and leases to total assets | 57.4594% | 5,530 |
Net loans and leases to deposits | 66.2215% | 5,797 |
Net loans and leases to core deposits | 70.0217% | 5,914 |
Total domestic deposits to total assets | 86.7684% | 2,757 |
Equity capital to assets | 10.7627% | 2,986 |
Core capital (leverage) ratio | 9.6282% | 3,603 |
Tier 1 risk-based capital ratio | 13.8530% | 3,762 |
Total risk-based capital ratio | 15.1220% | 3,710 |
Memoranda: | ||
Average total assets | $170,854,500 | 3,645 |
Average earning assets | $152,707,000 | 3,711 |
Average equity | $18,514,000 | 3,395 |
Average total loans | $101,633,000 | 3,899 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8411% | 2,481 |
Cost of funding earning assets | 2.2040% | 2,014 |
Net interest margin | 3.6371% | 4,398 |
Noninterest income to average assets | 0.3900% | 5,295 |
Noninterest expense to average assets | 3.1291% | 3,617 |
Loan and lease loss provision to assets | 2.1890% | 950 |
Net operating income to assets | -0.7775% | 6,423 |
Return on assets (ROA) | -0.7638% | 6,408 |
Pretax return on assets | -1.6101% | 6,764 |
Return on Equity (ROE) | -6.6814% | 6,361 |
Retained earnings to average equity (ytd only) | -7.4725% | 6,287 |
Net charge-offs to loans | 2.8838% | 754 |
Credit loss provision to net charge-offs | 122.1472% | 4,336 |
Earnings coverage of net charge-offs (x) | 0.3112% | 5,807 |
Efficiency ratio | 81.4219% | 2,681 |
Assets per employee ($millions) | 3.8555% | 4,131 |
Cash dividends to net income (ytd only)* | -11.8401% | 7,626 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1545% | 1,724 |
Loan loss allowance to noncurrent loans | 28.5953% | 6,566 |
Noncurrent assets plus other real estate owned to assets | 6.1246% | 916 |
Noncurrent loans to loans | 7.5343% | 697 |
Net loans and leases to total assets | 58.2946% | 5,609 |
Net loans and leases to deposits | 67.8888% | 5,848 |
Net loans and leases to core deposits | 79.6604% | 6,132 |
Total domestic deposits to total assets | 85.8678% | 3,076 |
Equity capital to assets | 10.9073% | 2,770 |
Core capital (leverage) ratio | 9.8450% | 3,277 |
Tier 1 risk-based capital ratio | 13.9348% | 3,543 |
Total risk-based capital ratio | 15.1905% | 3,493 |
Memoranda: | ||
Average total assets | $173,595,200 | 3,546 |
Average earning assets | $157,351,800 | 3,570 |
Average equity | $19,846,200 | 3,224 |
Average total loans | $107,878,800 | 3,742 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8944% | 2,473 |
Cost of funding earning assets | 2.2856% | 2,041 |
Net interest margin | 3.6089% | 4,446 |
Noninterest income to average assets | 0.3794% | 5,480 |
Noninterest expense to average assets | 2.8038% | 4,880 |
Loan and lease loss provision to assets | 1.5359% | 1,239 |
Net operating income to assets | -0.7057% | 6,610 |
Return on assets (ROA) | -0.6773% | 6,594 |
Pretax return on assets | -0.6543% | 6,446 |
Return on Equity (ROE) | -5.8574% | 6,540 |
Retained earnings to average equity (ytd only) | -6.9000% | 6,498 |
Net charge-offs to loans | 1.3442% | 1,530 |
Credit loss provision to net charge-offs | 181.9836% | 2,509 |
Earnings coverage of net charge-offs (x) | 1.0109% | 5,039 |
Efficiency ratio | 73.1835% | 4,020 |
Assets per employee ($millions) | 3.7801% | 4,226 |
Cash dividends to net income (ytd only)* | -17.8006% | 7,833 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4105% | 1,160 |
Loan loss allowance to noncurrent loans | 30.5720% | 6,421 |
Noncurrent assets plus other real estate owned to assets | 6.9093% | 698 |
Noncurrent loans to loans | 7.8847% | 625 |
Net loans and leases to total assets | 60.1671% | 5,556 |
Net loans and leases to deposits | 70.8257% | 5,808 |
Net loans and leases to core deposits | 82.8438% | 6,132 |
Total domestic deposits to total assets | 84.9509% | 3,262 |
Equity capital to assets | 11.4766% | 2,605 |
Core capital (leverage) ratio | 10.0570% | 3,228 |
Tier 1 risk-based capital ratio | 14.1090% | 3,484 |
Total risk-based capital ratio | 15.3690% | 3,425 |
Memoranda: | ||
Average total assets | $173,619,500 | 3,560 |
Average earning assets | $157,681,750 | 3,586 |
Average equity | $20,076,750 | 3,221 |
Average total loans | $109,006,750 | 3,752 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8667% | 2,733 |
Cost of funding earning assets | 2.3274% | 2,248 |
Net interest margin | 3.5393% | 4,615 |
Noninterest income to average assets | 0.3616% | 5,622 |
Noninterest expense to average assets | 2.6569% | 5,532 |
Loan and lease loss provision to assets | 0.5721% | 2,723 |
Net operating income to assets | 0.2689% | 5,019 |
Return on assets (ROA) | 0.2689% | 5,115 |
Pretax return on assets | 0.3604% | 5,046 |
Return on Equity (ROE) | 2.3197% | 5,170 |
Retained earnings to average equity (ytd only) | 0.7699% | 4,887 |
Net charge-offs to loans | 1.1686% | 1,564 |
Credit loss provision to net charge-offs | 77.5194% | 5,267 |
Earnings coverage of net charge-offs (x) | 1.2636% | 4,584 |
Efficiency ratio | 70.4814% | 4,685 |
Assets per employee ($millions) | 3.7740% | 4,169 |
Cash dividends to net income (ytd only)* | 66.8085% | 1,466 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3847% | 3,814 |
Loan loss allowance to noncurrent loans | 22.6052% | 6,980 |
Noncurrent assets plus other real estate owned to assets | 5.7234% | 864 |
Noncurrent loans to loans | 6.1256% | 885 |
Net loans and leases to total assets | 60.7958% | 5,553 |
Net loans and leases to deposits | 73.3438% | 5,561 |
Net loans and leases to core deposits | 85.3453% | 5,982 |
Total domestic deposits to total assets | 82.8915% | 4,295 |
Equity capital to assets | 11.6881% | 2,391 |
Core capital (leverage) ratio | 10.5448% | 2,774 |
Tier 1 risk-based capital ratio | 14.5855% | 3,197 |
Total risk-based capital ratio | 15.7571% | 3,183 |
Memoranda: | ||
Average total assets | $174,791,670 | 3,558 |
Average earning assets | $159,408,330 | 3,568 |
Average equity | $20,261,670 | 3,201 |
Average total loans | $110,384,330 | 3,757 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9491% | 2,570 |
Cost of funding earning assets | 2.3836% | 2,360 |
Net interest margin | 3.5655% | 4,464 |
Noninterest income to average assets | 0.3718% | 5,448 |
Noninterest expense to average assets | 2.5430% | 5,675 |
Loan and lease loss provision to assets | 0.7298% | 1,757 |
Net operating income to assets | 0.2372% | 5,540 |
Return on assets (ROA) | 0.2372% | 5,700 |
Pretax return on assets | 0.3740% | 5,468 |
Return on Equity (ROE) | 2.0546% | 5,757 |
Retained earnings to average equity (ytd only) | 2.0546% | 4,721 |
Net charge-offs to loans | 0.9102% | 1,450 |
Credit loss provision to net charge-offs | 125.4902% | 3,165 |
Earnings coverage of net charge-offs (x) | 1.8980% | 3,770 |
Efficiency ratio | 66.2914% | 5,269 |
Assets per employee ($millions) | 3.7841% | 4,132 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5415% | 2,760 |
Loan loss allowance to noncurrent loans | 27.1110% | 6,760 |
Noncurrent assets plus other real estate owned to assets | 4.4902% | 1,077 |
Noncurrent loans to loans | 5.6857% | 876 |
Net loans and leases to total assets | 62.0876% | 5,301 |
Net loans and leases to deposits | 74.9702% | 5,346 |
Net loans and leases to core deposits | 87.2282% | 5,817 |
Total domestic deposits to total assets | 82.8164% | 4,235 |
Equity capital to assets | 11.7076% | 2,443 |
Core capital (leverage) ratio | 10.4916% | 2,940 |
Tier 1 risk-based capital ratio | 14.4980% | 3,313 |
Total risk-based capital ratio | 15.7492% | 3,234 |
Memoranda: | ||
Average total assets | $175,385,500 | 3,573 |
Average earning assets | $161,101,000 | 3,551 |
Average equity | $20,247,000 | 3,228 |
Average total loans | $112,063,500 | 3,740 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3099% | 3,910 |
Cost of funding earning assets | 2.7804% | 2,783 |
Net interest margin | 3.5296% | 5,193 |
Noninterest income to average assets | 0.4621% | 4,950 |
Noninterest expense to average assets | 2.2665% | 6,797 |
Loan and lease loss provision to assets | 0.4386% | 3,094 |
Net operating income to assets | 0.6388% | 4,150 |
Return on assets (ROA) | 0.6465% | 3,972 |
Pretax return on assets | 1.0611% | 3,177 |
Return on Equity (ROE) | 5.7602% | 4,040 |
Retained earnings to average equity (ytd only) | 2.0129% | 3,979 |
Net charge-offs to loans | 0.6758% | 1,826 |
Credit loss provision to net charge-offs | 106.8814% | 5,023 |
Earnings coverage of net charge-offs (x) | 3.6252% | 4,282 |
Efficiency ratio | 58.1786% | 6,665 |
Assets per employee ($millions) | 3.8414% | 3,876 |
Cash dividends to net income (ytd only)* | 65.0558% | 2,411 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4227% | 3,071 |
Loan loss allowance to noncurrent loans | 26.5027% | 6,916 |
Noncurrent assets plus other real estate owned to assets | 4.3734% | 880 |
Noncurrent loans to loans | 5.3681% | 782 |
Net loans and leases to total assets | 63.7982% | 5,313 |
Net loans and leases to deposits | 76.6611% | 5,512 |
Net loans and leases to core deposits | 88.8985% | 5,898 |
Total domestic deposits to total assets | 83.2211% | 3,678 |
Equity capital to assets | 11.3834% | 2,714 |
Core capital (leverage) ratio | 10.9696% | 2,613 |
Tier 1 risk-based capital ratio | 13.8710% | 3,610 |
Total risk-based capital ratio | 15.1068% | 3,536 |
Memoranda: | ||
Average total assets | $166,427,600 | 3,606 |
Average earning assets | $155,231,400 | 3,563 |
Average equity | $18,679,800 | 3,447 |
Average total loans | $101,065,800 | 3,917 |