Home > Peoples Savings Bank > Performance and Condition Ratios
Peoples Savings Bank, Performance and Condition Ratios
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.8639% | 3,867 |
Cost of funding earning assets | 0.2242% | 2,597 |
Net interest margin | 2.6397% | 3,833 |
Noninterest income to average assets | 0.2896% | 3,436 |
Noninterest expense to average assets | 1.8276% | 3,890 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.7444% | 3,160 |
Return on assets (ROA) | 0.7405% | 3,132 |
Pretax return on assets | 0.9162% | 3,008 |
Return on Equity (ROE) | 10.7859% | 2,057 |
Retained earnings to average equity (ytd only) | 3.8719% | 3,130 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.4940% | 2,443 |
Assets per employee ($millions) | 7.1242% | 1,864 |
Cash dividends to net income (ytd only)* | 64.1026% | 960 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5316% | 249 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | 0.0000% | 4,026 |
Net loans and leases to total assets | 24.8590% | 4,580 |
Net loans and leases to deposits | 26.2053% | 4,615 |
Net loans and leases to core deposits | 26.5497% | 4,620 |
Total domestic deposits to total assets | 94.8626% | 156 |
Equity capital to assets | 4.9479% | 4,485 |
Core capital (leverage) ratio | 8.5959% | 3,861 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.0404% | 2,808 |
Memoranda: | ||
Average total assets | $42,132,667 | 4,588 |
Average earning assets | $39,246,667 | 4,575 |
Average equity | $2,892,667 | 4,696 |
Average total loans | $11,449,667 | 4,639 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7318% | 3,885 |
Cost of funding earning assets | 0.2251% | 2,463 |
Net interest margin | 2.5067% | 3,898 |
Noninterest income to average assets | 0.1339% | 4,344 |
Noninterest expense to average assets | 1.6640% | 4,191 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.6312% | 3,297 |
Return on assets (ROA) | 0.6312% | 3,276 |
Pretax return on assets | 0.8129% | 3,071 |
Return on Equity (ROE) | 8.0451% | 2,677 |
Retained earnings to average equity (ytd only) | -4.1444% | 4,383 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.1815% | 2,607 |
Assets per employee ($millions) | 7.9888% | 1,376 |
Cash dividends to net income (ytd only)* | 151.5152% | 310 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3033% | 369 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
Noncurrent loans to loans | 0.0000% | 4,066 |
Net loans and leases to total assets | 29.3085% | 4,468 |
Net loans and leases to deposits | 31.5204% | 4,512 |
Net loans and leases to core deposits | 31.9706% | 4,533 |
Total domestic deposits to total assets | 92.9827% | 276 |
Equity capital to assets | 6.8896% | 4,267 |
Core capital (leverage) ratio | 8.8459% | 3,515 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $41,826,500 | 4,616 |
Average earning assets | $39,094,500 | 4,600 |
Average equity | $3,281,500 | 4,705 |
Average total loans | $11,723,500 | 4,661 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1300% | 3,623 |
Cost of funding earning assets | 0.2770% | 2,629 |
Net interest margin | 2.8530% | 3,554 |
Noninterest income to average assets | 0.0974% | 4,618 |
Noninterest expense to average assets | 1.8242% | 4,098 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 0.7662% | 3,437 |
Return on assets (ROA) | 0.9571% | 2,911 |
Pretax return on assets | 1.1958% | 2,673 |
Return on Equity (ROE) | 9.9092% | 2,552 |
Retained earnings to average equity (ytd only) | -0.1765% | 4,515 |
Net charge-offs to loans | 0.0000% | 2,705 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.5867% | 2,322 |
Assets per employee ($millions) | 7.2848% | 1,742 |
Cash dividends to net income (ytd only)* | 101.7812% | 184 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4075% | 318 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
Noncurrent loans to loans | 0.0000% | 4,145 |
Net loans and leases to total assets | 25.5966% | 4,637 |
Net loans and leases to deposits | 28.1807% | 4,659 |
Net loans and leases to core deposits | 28.5547% | 4,664 |
Total domestic deposits to total assets | 90.8303% | 565 |
Equity capital to assets | 8.7190% | 3,870 |
Core capital (leverage) ratio | 8.2101% | 4,204 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $41,060,000 | 4,651 |
Average earning assets | $38,626,000 | 4,631 |
Average equity | $3,966,000 | 4,706 |
Average total loans | $11,897,200 | 4,699 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.7262% | 4,381 |
Cost of funding earning assets | 0.2873% | 2,721 |
Net interest margin | 2.4389% | 4,356 |
Noninterest income to average assets | 0.5611% | 2,369 |
Noninterest expense to average assets | 1.8548% | 4,043 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 0.7974% | 3,526 |
Return on assets (ROA) | 1.0561% | 2,778 |
Pretax return on assets | 1.3268% | 2,552 |
Return on Equity (ROE) | 10.6537% | 2,498 |
Retained earnings to average equity (ytd only) | -2.6634% | 4,727 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.8961% | 2,258 |
Assets per employee ($millions) | 6.8937% | 1,941 |
Cash dividends to net income (ytd only)* | 125.0000% | 82 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2869% | 402 |
Loan loss allowance to noncurrent loans | 1,971.4286% | 467 |
Noncurrent assets plus other real estate owned to assets | 0.0338% | 3,932 |
Noncurrent loans to loans | 0.1160% | 3,511 |
Net loans and leases to total assets | 28.5117% | 4,630 |
Net loans and leases to deposits | 31.4992% | 4,681 |
Net loans and leases to core deposits | 31.9403% | 4,691 |
Total domestic deposits to total assets | 90.5154% | 554 |
Equity capital to assets | 9.0228% | 3,812 |
Core capital (leverage) ratio | 8.7222% | 3,834 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $40,397,750 | 4,725 |
Average earning assets | $38,049,500 | 4,703 |
Average equity | $4,004,750 | 4,772 |
Average total loans | $12,005,500 | 4,768 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6979% | 4,457 |
Cost of funding earning assets | 0.2980% | 2,793 |
Net interest margin | 2.3999% | 4,420 |
Noninterest income to average assets | 0.7985% | 1,537 |
Noninterest expense to average assets | 1.8714% | 4,033 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 0.9238% | 3,147 |
Return on assets (ROA) | 1.2826% | 1,992 |
Pretax return on assets | 1.6319% | 1,649 |
Return on Equity (ROE) | 12.5498% | 1,870 |
Retained earnings to average equity (ytd only) | 2.7834% | 3,916 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.3748% | 2,816 |
Assets per employee ($millions) | 6.5448% | 2,127 |
Cash dividends to net income (ytd only)* | 77.8210% | 530 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2660% | 387 |
Loan loss allowance to noncurrent loans | 1,971.4286% | 423 |
Noncurrent assets plus other real estate owned to assets | 0.0357% | 4,013 |
Noncurrent loans to loans | 0.1149% | 3,616 |
Net loans and leases to total assets | 30.3140% | 4,640 |
Net loans and leases to deposits | 34.1568% | 4,675 |
Net loans and leases to core deposits | 34.6692% | 4,699 |
Total domestic deposits to total assets | 88.7494% | 1,415 |
Equity capital to assets | 10.4816% | 2,411 |
Core capital (leverage) ratio | 8.8973% | 3,581 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $40,076,333 | 4,759 |
Average earning assets | $37,585,000 | 4,740 |
Average equity | $4,095,667 | 4,799 |
Average total loans | $11,984,333 | 4,803 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 2.6244% | 4,552 |
Cost of funding earning assets | 0.3280% | 2,724 |
Net interest margin | 2.2963% | 4,528 |
Noninterest income to average assets | 0.7016% | 1,863 |
Noninterest expense to average assets | 1.8972% | 3,988 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 0.7355% | 3,614 |
Return on assets (ROA) | 1.3834% | 1,694 |
Pretax return on assets | 1.7688% | 1,361 |
Return on Equity (ROE) | 13.7070% | 1,489 |
Retained earnings to average equity (ytd only) | -5.8744% | 4,728 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.6667% | 2,134 |
Assets per employee ($millions) | 6.6717% | 2,029 |
Cash dividends to net income (ytd only)* | 142.8571% | 231 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2206% | 412 |
Loan loss allowance to noncurrent loans | 253.2110% | 1,979 |
Noncurrent assets plus other real estate owned to assets | 0.2723% | 2,793 |
Noncurrent loans to loans | 0.8770% | 1,540 |
Net loans and leases to total assets | 30.3597% | 4,685 |
Net loans and leases to deposits | 33.9034% | 4,729 |
Net loans and leases to core deposits | 34.3956% | 4,749 |
Total domestic deposits to total assets | 89.5478% | 1,049 |
Equity capital to assets | 9.8226% | 2,874 |
Core capital (leverage) ratio | 8.9126% | 3,697 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $40,480,000 | 4,779 |
Average earning assets | $37,799,500 | 4,756 |
Average equity | $4,085,500 | 4,823 |
Average total loans | $11,886,500 | 4,832 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4254% | 4,164 |
Cost of funding earning assets | 0.4498% | 3,282 |
Net interest margin | 2.9757% | 3,949 |
Noninterest income to average assets | 0.1021% | 4,739 |
Noninterest expense to average assets | 2.0089% | 4,125 |
Loan and lease loss provision to assets | 0.0000% | 4,319 |
Net operating income to assets | 0.6963% | 3,447 |
Return on assets (ROA) | 0.7257% | 3,476 |
Pretax return on assets | 0.8858% | 3,407 |
Return on Equity (ROE) | 6.9917% | 3,211 |
Retained earnings to average equity (ytd only) | -0.9836% | 4,636 |
Net charge-offs to loans | 0.0000% | 3,443 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 70.2703% | 1,914 |
Assets per employee ($millions) | 5.8471% | 2,500 |
Cash dividends to net income (ytd only)* | 114.0684% | 169 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4330% | 283 |
Loan loss allowance to noncurrent loans | 250.9091% | 1,964 |
Noncurrent assets plus other real estate owned to assets | 0.2688% | 2,959 |
Noncurrent loans to loans | 0.9697% | 1,455 |
Net loans and leases to total assets | 27.0413% | 4,810 |
Net loans and leases to deposits | 30.4451% | 4,827 |
Net loans and leases to core deposits | 30.8783% | 4,840 |
Total domestic deposits to total assets | 88.8199% | 1,063 |
Equity capital to assets | 10.3567% | 2,794 |
Core capital (leverage) ratio | 8.9159% | 3,783 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $36,238,600 | 4,816 |
Average earning assets | $33,572,400 | 4,801 |
Average equity | $3,761,600 | 4,860 |
Average total loans | $11,601,600 | 4,865 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6276% | 3,956 |
Cost of funding earning assets | 0.4694% | 3,423 |
Net interest margin | 3.1582% | 3,600 |
Noninterest income to average assets | 0.1141% | 4,708 |
Noninterest expense to average assets | 2.0228% | 4,099 |
Loan and lease loss provision to assets | 0.0000% | 4,239 |
Net operating income to assets | 0.8271% | 2,988 |
Return on assets (ROA) | 0.8365% | 3,088 |
Pretax return on assets | 1.0190% | 2,998 |
Return on Equity (ROE) | 8.0534% | 2,795 |
Retained earnings to average equity (ytd only) | -2.9285% | 4,770 |
Net charge-offs to loans | 0.0000% | 3,243 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.7503% | 2,360 |
Assets per employee ($millions) | 6.0615% | 2,216 |
Cash dividends to net income (ytd only)* | 136.3636% | 122 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5886% | 206 |
Loan loss allowance to noncurrent loans | 109.0909% | 3,155 |
Noncurrent assets plus other real estate owned to assets | 0.6956% | 1,677 |
Noncurrent loans to loans | 2.3729% | 462 |
Net loans and leases to total assets | 28.5573% | 4,846 |
Net loans and leases to deposits | 32.0635% | 4,878 |
Net loans and leases to core deposits | 32.5733% | 4,887 |
Total domestic deposits to total assets | 89.0649% | 743 |
Equity capital to assets | 10.3605% | 2,912 |
Core capital (leverage) ratio | 10.2912% | 2,444 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $35,065,750 | 4,855 |
Average earning assets | $32,380,250 | 4,846 |
Average equity | $3,642,250 | 4,891 |
Average total loans | $11,666,000 | 4,897 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7995% | 3,858 |
Cost of funding earning assets | 0.4844% | 3,631 |
Net interest margin | 3.3151% | 3,343 |
Noninterest income to average assets | 0.1155% | 4,718 |
Noninterest expense to average assets | 2.0444% | 4,141 |
Loan and lease loss provision to assets | 0.0000% | 4,134 |
Net operating income to assets | 0.9067% | 2,662 |
Return on assets (ROA) | 0.9067% | 2,786 |
Pretax return on assets | 1.1146% | 2,667 |
Return on Equity (ROE) | 8.7214% | 2,484 |
Retained earnings to average equity (ytd only) | -2.3887% | 4,616 |
Net charge-offs to loans | 0.0000% | 3,033 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.8007% | 4,685 |
Assets per employee ($millions) | 5.9453% | 2,234 |
Cash dividends to net income (ytd only)* | 127.3885% | 291 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5361% | 208 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
Noncurrent loans to loans | 0.0000% | 4,537 |
Net loans and leases to total assets | 29.7348% | 4,864 |
Net loans and leases to deposits | 33.6452% | 4,890 |
Net loans and leases to core deposits | 34.1930% | 4,900 |
Total domestic deposits to total assets | 88.3774% | 1,002 |
Equity capital to assets | 10.8236% | 2,485 |
Core capital (leverage) ratio | 10.3664% | 2,472 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $34,631,333 | 4,884 |
Average earning assets | $31,793,667 | 4,877 |
Average equity | $3,600,333 | 4,928 |
Average total loans | $12,000,667 | 4,920 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9691% | 3,877 |
Cost of funding earning assets | 0.5105% | 3,892 |
Net interest margin | 3.4586% | 3,127 |
Noninterest income to average assets | 0.1407% | 4,660 |
Noninterest expense to average assets | 2.1694% | 4,081 |
Loan and lease loss provision to assets | 0.0000% | 3,711 |
Net operating income to assets | 0.9381% | 2,383 |
Return on assets (ROA) | 0.9381% | 2,492 |
Pretax return on assets | 1.1492% | 2,362 |
Return on Equity (ROE) | 9.2219% | 2,020 |
Retained earnings to average equity (ytd only) | -13.8329% | 4,871 |
Net charge-offs to loans | 0.0000% | 2,581 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.3710% | 3,042 |
Assets per employee ($millions) | 5.4742% | 2,146 |
Cash dividends to net income (ytd only)* | 250.0000% | 207 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2645% | 343 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
Noncurrent loans to loans | 0.0000% | 4,593 |
Net loans and leases to total assets | 36.2673% | 4,769 |
Net loans and leases to deposits | 40.1321% | 4,834 |
Net loans and leases to core deposits | 40.8225% | 4,866 |
Total domestic deposits to total assets | 90.3699% | 228 |
Equity capital to assets | 9.3926% | 4,317 |
Core capital (leverage) ratio | 10.4672% | 2,982 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $34,111,000 | 4,927 |
Average earning assets | $31,342,000 | 4,915 |
Average equity | $3,470,000 | 4,983 |
Average total loans | $12,559,500 | 4,951 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9516% | 4,347 |
Cost of funding earning assets | 0.4739% | 4,194 |
Net interest margin | 3.4777% | 3,512 |
Noninterest income to average assets | 0.1253% | 4,836 |
Noninterest expense to average assets | 2.0310% | 4,479 |
Loan and lease loss provision to assets | 0.0000% | 3,973 |
Net operating income to assets | 1.0355% | 2,710 |
Return on assets (ROA) | 1.4699% | 1,190 |
Pretax return on assets | 1.8630% | 811 |
Return on Equity (ROE) | 14.6126% | 773 |
Retained earnings to average equity (ytd only) | 6.1169% | 1,813 |
Net charge-offs to loans | 0.0000% | 3,726 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.7325% | 3,580 |
Assets per employee ($millions) | 5.8962% | 1,716 |
Cash dividends to net income (ytd only)* | 58.1395% | 1,659 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1344% | 375 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
Noncurrent loans to loans | 0.0000% | 4,619 |
Net loans and leases to total assets | 35.7718% | 4,848 |
Net loans and leases to deposits | 40.4675% | 4,897 |
Net loans and leases to core deposits | 40.4675% | 4,937 |
Total domestic deposits to total assets | 88.3964% | 941 |
Equity capital to assets | 10.8969% | 3,095 |
Core capital (leverage) ratio | 10.5713% | 2,882 |
Tier 1 risk-based capital ratio | 13.6518% | 3,434 |
Total risk-based capital ratio | 14.6598% | 3,453 |
Memoranda: | ||
Average total assets | $35,105,600 | 4,966 |
Average earning assets | $32,493,000 | 4,955 |
Average equity | $3,531,200 | 5,034 |
Average total loans | $12,730,000 | 5,014 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9393% | 4,474 |
Cost of funding earning assets | 0.4796% | 4,224 |
Net interest margin | 3.4598% | 3,699 |
Noninterest income to average assets | 0.1294% | 4,880 |
Noninterest expense to average assets | 2.0054% | 4,539 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.0647% | 2,715 |
Return on assets (ROA) | 1.3357% | 1,772 |
Pretax return on assets | 1.6743% | 1,407 |
Return on Equity (ROE) | 13.5639% | 1,090 |
Retained earnings to average equity (ytd only) | 1.9709% | 4,281 |
Net charge-offs to loans | 0.0000% | 3,455 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.0228% | 3,644 |
Assets per employee ($millions) | 5.8233% | 1,740 |
Cash dividends to net income (ytd only)* | 85.4698% | 529 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1848% | 337 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
Noncurrent loans to loans | 0.0000% | 4,706 |
Net loans and leases to total assets | 35.3663% | 4,959 |
Net loans and leases to deposits | 39.9515% | 4,997 |
Net loans and leases to core deposits | 39.9515% | 5,036 |
Total domestic deposits to total assets | 88.5232% | 816 |
Equity capital to assets | 10.6583% | 3,414 |
Core capital (leverage) ratio | 10.1557% | 3,468 |
Tier 1 risk-based capital ratio | 13.2862% | 3,695 |
Total risk-based capital ratio | 14.3123% | 3,719 |
Memoranda: | ||
Average total assets | $35,037,750 | 5,041 |
Average earning assets | $32,525,750 | 5,029 |
Average equity | $3,450,250 | 5,116 |
Average total loans | $12,679,750 | 5,097 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8334% | 4,668 |
Cost of funding earning assets | 0.4730% | 4,235 |
Net interest margin | 3.3604% | 4,011 |
Noninterest income to average assets | 0.1312% | 4,920 |
Noninterest expense to average assets | 1.9960% | 4,605 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.0124% | 2,871 |
Return on assets (ROA) | 1.0493% | 2,800 |
Pretax return on assets | 1.3002% | 2,557 |
Return on Equity (ROE) | 10.9556% | 1,994 |
Retained earnings to average equity (ytd only) | 2.0244% | 4,107 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.4035% | 3,522 |
Assets per employee ($millions) | 5.9327% | 1,591 |
Cash dividends to net income (ytd only)* | 81.5217% | 791 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1791% | 339 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
Noncurrent loans to loans | 0.0000% | 4,745 |
Net loans and leases to total assets | 34.8073% | 5,012 |
Net loans and leases to deposits | 40.2090% | 5,047 |
Net loans and leases to core deposits | 40.2090% | 5,080 |
Total domestic deposits to total assets | 86.5659% | 1,790 |
Equity capital to assets | 10.3439% | 3,652 |
Core capital (leverage) ratio | 10.0271% | 3,559 |
Tier 1 risk-based capital ratio | 13.1252% | 3,771 |
Total risk-based capital ratio | 14.1439% | 3,798 |
Memoranda: | ||
Average total assets | $35,070,330 | 5,079 |
Average earning assets | $32,555,670 | 5,067 |
Average equity | $3,359,000 | 5,164 |
Average total loans | $12,695,330 | 5,142 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7727% | 4,747 |
Cost of funding earning assets | 0.4700% | 4,206 |
Net interest margin | 3.3027% | 4,153 |
Noninterest income to average assets | 0.1494% | 4,849 |
Noninterest expense to average assets | 2.0685% | 4,515 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.9391% | 3,095 |
Return on assets (ROA) | 0.9768% | 2,981 |
Pretax return on assets | 1.1951% | 2,827 |
Return on Equity (ROE) | 10.6333% | 2,107 |
Retained earnings to average equity (ytd only) | -8.1314% | 5,035 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.2857% | 3,193 |
Assets per employee ($millions) | 5.7682% | 1,733 |
Cash dividends to net income (ytd only)* | 176.4706% | 241 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2750% | 312 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
Noncurrent loans to loans | 0.0000% | 4,814 |
Net loans and leases to total assets | 34.2570% | 5,065 |
Net loans and leases to deposits | 38.0305% | 5,112 |
Net loans and leases to core deposits | 38.0305% | 5,140 |
Total domestic deposits to total assets | 90.0777% | 421 |
Equity capital to assets | 9.7085% | 4,085 |
Core capital (leverage) ratio | 9.9074% | 3,700 |
Tier 1 risk-based capital ratio | 13.5029% | 3,600 |
Total risk-based capital ratio | 14.5809% | 3,612 |
Memoranda: | ||
Average total assets | $34,807,500 | 5,131 |
Average earning assets | $32,337,500 | 5,126 |
Average equity | $3,197,500 | 5,232 |
Average total loans | $12,710,000 | 5,198 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7816% | 4,533 |
Cost of funding earning assets | 0.4499% | 3,682 |
Net interest margin | 3.3317% | 4,175 |
Noninterest income to average assets | 0.1385% | 5,015 |
Noninterest expense to average assets | 2.1007% | 4,562 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 0.9498% | 3,233 |
Return on assets (ROA) | 0.9546% | 3,203 |
Pretax return on assets | 1.1638% | 3,045 |
Return on Equity (ROE) | 10.3178% | 2,386 |
Retained earnings to average equity (ytd only) | 0.7643% | 4,786 |
Net charge-offs to loans | -0.0155% | 4,622 |
Credit loss provision to net charge-offs | 0.0000% | 3,452 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.4665% | 3,124 |
Assets per employee ($millions) | 5.8343% | 1,641 |
Cash dividends to net income (ytd only)* | 92.5926% | 386 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0771% | 414 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
Noncurrent loans to loans | 0.0000% | 4,837 |
Net loans and leases to total assets | 37.1708% | 5,038 |
Net loans and leases to deposits | 40.7759% | 5,106 |
Net loans and leases to core deposits | 40.7759% | 5,150 |
Total domestic deposits to total assets | 91.1587% | 171 |
Equity capital to assets | 8.6699% | 4,828 |
Core capital (leverage) ratio | 10.1818% | 3,371 |
Tier 1 risk-based capital ratio | 13.6205% | 3,483 |
Total risk-based capital ratio | 14.6879% | 3,488 |
Memoranda: | ||
Average total assets | $33,940,800 | 5,190 |
Average earning assets | $31,785,600 | 5,170 |
Average equity | $3,140,200 | 5,270 |
Average total loans | $12,926,600 | 5,236 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7844% | 4,473 |
Cost of funding earning assets | 0.4266% | 3,683 |
Net interest margin | 3.3578% | 4,143 |
Noninterest income to average assets | 0.1425% | 5,061 |
Noninterest expense to average assets | 2.1183% | 4,508 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 0.9635% | 3,250 |
Return on assets (ROA) | 0.9701% | 3,235 |
Pretax return on assets | 1.1799% | 3,070 |
Return on Equity (ROE) | 10.3161% | 2,473 |
Retained earnings to average equity (ytd only) | -2.3158% | 5,215 |
Net charge-offs to loans | -0.0208% | 4,641 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.3803% | 3,120 |
Assets per employee ($millions) | 5.5188% | 1,897 |
Cash dividends to net income (ytd only)* | 122.4484% | 145 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1938% | 367 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
Noncurrent loans to loans | 0.0000% | 4,954 |
Net loans and leases to total assets | 37.1606% | 5,103 |
Net loans and leases to deposits | 42.9824% | 5,130 |
Net loans and leases to core deposits | 42.9824% | 5,181 |
Total domestic deposits to total assets | 86.4555% | 1,992 |
Equity capital to assets | 8.9723% | 4,572 |
Core capital (leverage) ratio | 9.8191% | 3,831 |
Tier 1 risk-based capital ratio | 13.6555% | 3,544 |
Total risk-based capital ratio | 14.7505% | 3,541 |
Memoranda: | ||
Average total assets | $33,674,500 | 5,266 |
Average earning assets | $31,567,500 | 5,243 |
Average equity | $3,166,500 | 5,337 |
Average total loans | $12,836,250 | 5,303 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7676% | 4,426 |
Cost of funding earning assets | 0.4095% | 3,657 |
Net interest margin | 3.3581% | 4,080 |
Noninterest income to average assets | 0.1536% | 5,056 |
Noninterest expense to average assets | 2.1263% | 4,548 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 0.9686% | 3,147 |
Return on assets (ROA) | 0.9686% | 3,150 |
Pretax return on assets | 1.1754% | 3,028 |
Return on Equity (ROE) | 10.1496% | 2,500 |
Retained earnings to average equity (ytd only) | 0.8664% | 4,788 |
Net charge-offs to loans | -0.0155% | 4,471 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.4007% | 3,266 |
Assets per employee ($millions) | 5.8135% | 1,628 |
Cash dividends to net income (ytd only)* | 91.4634% | 501 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1619% | 401 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
Noncurrent loans to loans | 0.0000% | 4,980 |
Net loans and leases to total assets | 35.6784% | 5,190 |
Net loans and leases to deposits | 39.2872% | 5,261 |
Net loans and leases to core deposits | 39.2872% | 5,297 |
Total domestic deposits to total assets | 90.8145% | 301 |
Equity capital to assets | 9.0651% | 4,510 |
Core capital (leverage) ratio | 9.8046% | 3,783 |
Tier 1 risk-based capital ratio | 13.6150% | 3,556 |
Total risk-based capital ratio | 14.6811% | 3,576 |
Memoranda: | ||
Average total assets | $33,861,670 | 5,327 |
Average earning assets | $31,744,000 | 5,305 |
Average equity | $3,231,670 | 5,394 |
Average total loans | $12,921,330 | 5,361 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7377% | 4,388 |
Cost of funding earning assets | 0.4352% | 3,330 |
Net interest margin | 3.3025% | 4,184 |
Noninterest income to average assets | 0.1919% | 4,873 |
Noninterest expense to average assets | 2.1828% | 4,455 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.9235% | 3,191 |
Return on assets (ROA) | 0.9235% | 3,207 |
Pretax return on assets | 1.1034% | 3,162 |
Return on Equity (ROE) | 9.4291% | 2,700 |
Retained earnings to average equity (ytd only) | -8.9392% | 5,337 |
Net charge-offs to loans | -0.0307% | 4,751 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.4234% | 3,093 |
Assets per employee ($millions) | 4.7451% | 2,797 |
Cash dividends to net income (ytd only)* | 194.8052% | 195 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0851% | 473 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 38.8789% | 5,110 |
Net loans and leases to deposits | 44.0856% | 5,159 |
Net loans and leases to core deposits | 44.0856% | 5,209 |
Total domestic deposits to total assets | 88.1894% | 1,513 |
Equity capital to assets | 9.4533% | 4,134 |
Core capital (leverage) ratio | 10.0540% | 3,467 |
Tier 1 risk-based capital ratio | 13.3268% | 3,758 |
Total risk-based capital ratio | 14.3969% | 3,783 |
Memoranda: | ||
Average total assets | $33,352,000 | 5,390 |
Average earning assets | $31,249,000 | 5,367 |
Average equity | $3,266,500 | 5,446 |
Average total loans | $13,022,000 | 5,424 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8343% | 3,934 |
Cost of funding earning assets | 0.4120% | 3,138 |
Net interest margin | 3.4223% | 3,777 |
Noninterest income to average assets | 0.1877% | 5,020 |
Noninterest expense to average assets | 2.0027% | 4,952 |
Loan and lease loss provision to assets | 0.0000% | 4,227 |
Net operating income to assets | 1.0022% | 2,229 |
Return on assets (ROA) | 1.0084% | 2,240 |
Pretax return on assets | 1.3809% | 2,053 |
Return on Equity (ROE) | 10.6838% | 1,594 |
Retained earnings to average equity (ytd only) | 1.7806% | 4,249 |
Net charge-offs to loans | -0.0156% | 4,888 |
Credit loss provision to net charge-offs | 0.0000% | 3,708 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.3361% | 4,364 |
Assets per employee ($millions) | 4.7840% | 2,752 |
Cash dividends to net income (ytd only)* | 83.3333% | 722 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1315% | 422 |
Loan loss allowance to noncurrent loans | 3,044.4444% | 254 |
Noncurrent assets plus other real estate owned to assets | 0.0269% | 5,014 |
Noncurrent loans to loans | 0.0700% | 4,685 |
Net loans and leases to total assets | 37.5687% | 5,240 |
Net loans and leases to deposits | 41.8613% | 5,300 |
Net loans and leases to core deposits | 41.8613% | 5,341 |
Total domestic deposits to total assets | 89.7456% | 655 |
Equity capital to assets | 10.1320% | 3,561 |
Core capital (leverage) ratio | 10.1084% | 3,306 |
Tier 1 risk-based capital ratio | 14.0855% | 3,314 |
Total risk-based capital ratio | 15.1889% | 3,305 |
Memoranda: | ||
Average total assets | $35,701,400 | 5,402 |
Average earning assets | $33,252,600 | 5,381 |
Average equity | $3,369,600 | 5,495 |
Average total loans | $12,788,200 | 5,490 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8405% | 3,866 |
Cost of funding earning assets | 0.4153% | 3,040 |
Net interest margin | 3.4253% | 3,757 |
Noninterest income to average assets | 0.1876% | 5,077 |
Noninterest expense to average assets | 2.0852% | 4,764 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.9480% | 2,788 |
Return on assets (ROA) | 0.9562% | 2,797 |
Pretax return on assets | 1.2982% | 2,503 |
Return on Equity (ROE) | 10.3058% | 1,984 |
Retained earnings to average equity (ytd only) | -1.5854% | 5,402 |
Net charge-offs to loans | -0.0417% | 5,106 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.8321% | 3,912 |
Assets per employee ($millions) | 4.9196% | 2,550 |
Cash dividends to net income (ytd only)* | 115.3839% | 191 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1180% | 471 |
Loan loss allowance to noncurrent loans | 13,800.0000% | 66 |
Noncurrent assets plus other real estate owned to assets | 0.0058% | 5,235 |
Noncurrent loans to loans | 0.0153% | 5,074 |
Net loans and leases to total assets | 37.0387% | 5,305 |
Net loans and leases to deposits | 44.6917% | 5,299 |
Net loans and leases to core deposits | 44.6917% | 5,351 |
Total domestic deposits to total assets | 82.8760% | 3,499 |
Equity capital to assets | 9.9196% | 4,013 |
Core capital (leverage) ratio | 9.4740% | 4,197 |
Tier 1 risk-based capital ratio | 13.5955% | 3,642 |
Total risk-based capital ratio | 14.6994% | 3,653 |
Memoranda: | ||
Average total assets | $36,254,750 | 5,453 |
Average earning assets | $33,709,500 | 5,428 |
Average equity | $3,363,750 | 5,558 |
Average total loans | $12,771,500 | 5,551 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7968% | 3,905 |
Cost of funding earning assets | 0.3966% | 3,112 |
Net interest margin | 3.4002% | 3,766 |
Noninterest income to average assets | 0.1899% | 5,104 |
Noninterest expense to average assets | 2.1812% | 4,594 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.8710% | 3,066 |
Return on assets (ROA) | 0.8790% | 3,079 |
Pretax return on assets | 1.1828% | 2,837 |
Return on Equity (ROE) | 9.6822% | 2,179 |
Retained earnings to average equity (ytd only) | 0.7172% | 4,917 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.0485% | 3,499 |
Assets per employee ($millions) | 6.0438% | 1,429 |
Cash dividends to net income (ytd only)* | 92.5926% | 582 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0854% | 523 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
Noncurrent loans to loans | 0.0000% | 5,209 |
Net loans and leases to total assets | 35.2177% | 5,410 |
Net loans and leases to deposits | 42.8442% | 5,374 |
Net loans and leases to core deposits | 42.8442% | 5,423 |
Total domestic deposits to total assets | 82.1995% | 3,829 |
Equity capital to assets | 9.6131% | 4,300 |
Core capital (leverage) ratio | 9.3313% | 4,327 |
Tier 1 risk-based capital ratio | 13.2659% | 3,828 |
Total risk-based capital ratio | 14.3115% | 3,874 |
Memoranda: | ||
Average total assets | $36,860,670 | 5,484 |
Average earning assets | $34,291,670 | 5,468 |
Average equity | $3,346,330 | 5,603 |
Average total loans | $12,685,000 | 5,602 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7757% | 3,846 |
Cost of funding earning assets | 0.3822% | 3,186 |
Net interest margin | 3.3935% | 3,674 |
Noninterest income to average assets | 0.2153% | 4,977 |
Noninterest expense to average assets | 2.1852% | 4,683 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.8827% | 2,848 |
Return on assets (ROA) | 0.8827% | 2,899 |
Pretax return on assets | 1.1841% | 2,662 |
Return on Equity (ROE) | 10.0107% | 1,955 |
Retained earnings to average equity (ytd only) | -8.3015% | 5,534 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.8562% | 3,686 |
Assets per employee ($millions) | 6.1480% | 1,396 |
Cash dividends to net income (ytd only)* | 182.9268% | 276 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2170% | 465 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
Noncurrent loans to loans | 0.0000% | 5,285 |
Net loans and leases to total assets | 32.5228% | 5,528 |
Net loans and leases to deposits | 37.4789% | 5,536 |
Net loans and leases to core deposits | 37.4789% | 5,587 |
Total domestic deposits to total assets | 86.7762% | 2,323 |
Equity capital to assets | 8.8809% | 4,925 |
Core capital (leverage) ratio | 9.0540% | 4,673 |
Tier 1 risk-based capital ratio | 12.7136% | 4,250 |
Total risk-based capital ratio | 13.7398% | 4,300 |
Memoranda: | ||
Average total assets | $37,159,500 | 5,540 |
Average earning assets | $34,537,000 | 5,527 |
Average equity | $3,276,500 | 5,674 |
Average total loans | $12,506,000 | 5,665 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6565% | 4,351 |
Cost of funding earning assets | 0.4040% | 2,962 |
Net interest margin | 3.2525% | 4,287 |
Noninterest income to average assets | 1.6534% | 434 |
Noninterest expense to average assets | 2.1507% | 4,894 |
Loan and lease loss provision to assets | -0.5192% | 5,878 |
Net operating income to assets | 2.0578% | 279 |
Return on assets (ROA) | 2.0578% | 295 |
Pretax return on assets | 3.0580% | 109 |
Return on Equity (ROE) | 21.8527% | 150 |
Retained earnings to average equity (ytd only) | 2.9891% | 3,770 |
Net charge-offs to loans | -1.8761% | 5,867 |
Credit loss provision to net charge-offs | 75.3968% | 3,051 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 45.8625% | 5,644 |
Assets per employee ($millions) | 6.2385% | 1,306 |
Cash dividends to net income (ytd only)* | 86.3214% | 698 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1345% | 517 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0053% | 5,409 |
Noncurrent loans to loans | 0.0000% | 5,326 |
Net loans and leases to total assets | 33.3173% | 5,567 |
Net loans and leases to deposits | 36.6589% | 5,630 |
Net loans and leases to core deposits | 36.6589% | 5,664 |
Total domestic deposits to total assets | 90.8846% | 315 |
Equity capital to assets | 8.7548% | 5,060 |
Core capital (leverage) ratio | 9.1475% | 4,553 |
Tier 1 risk-based capital ratio | 12.7499% | 4,237 |
Total risk-based capital ratio | 13.7586% | 4,261 |
Memoranda: | ||
Average total assets | $36,592,200 | 5,605 |
Average earning assets | $34,158,800 | 5,583 |
Average equity | $3,445,800 | 5,707 |
Average total loans | $13,432,400 | 5,699 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6156% | 4,503 |
Cost of funding earning assets | 0.4074% | 2,952 |
Net interest margin | 3.2082% | 4,470 |
Noninterest income to average assets | 2.1585% | 317 |
Noninterest expense to average assets | 2.1438% | 4,901 |
Loan and lease loss provision to assets | -0.6963% | 5,957 |
Net operating income to assets | 2.4737% | 160 |
Return on assets (ROA) | 2.4737% | 168 |
Pretax return on assets | 3.7123% | 85 |
Return on Equity (ROE) | 25.8022% | 73 |
Retained earnings to average equity (ytd only) | 0.9556% | 5,099 |
Net charge-offs to loans | -2.4697% | 5,935 |
Credit loss provision to net charge-offs | 75.3968% | 2,719 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.5483% | 5,798 |
Assets per employee ($millions) | 6.3148% | 1,220 |
Cash dividends to net income (ytd only)* | 96.2966% | 441 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0677% | 638 |
Loan loss allowance to noncurrent loans | 116.7382% | 3,302 |
Noncurrent assets plus other real estate owned to assets | 0.6361% | 2,999 |
Noncurrent loans to loans | 1.7712% | 1,172 |
Net loans and leases to total assets | 34.0020% | 5,623 |
Net loans and leases to deposits | 37.9046% | 5,681 |
Net loans and leases to core deposits | 37.9046% | 5,724 |
Total domestic deposits to total assets | 89.7041% | 591 |
Equity capital to assets | 9.4196% | 4,749 |
Core capital (leverage) ratio | 8.5883% | 5,275 |
Tier 1 risk-based capital ratio | 12.2022% | 4,674 |
Total risk-based capital ratio | 13.1900% | 4,719 |
Memoranda: | ||
Average total assets | $36,382,500 | 5,664 |
Average earning assets | $34,037,250 | 5,642 |
Average equity | $3,488,000 | 5,763 |
Average total loans | $13,604,750 | 5,757 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5919% | 4,613 |
Cost of funding earning assets | 0.4184% | 2,851 |
Net interest margin | 3.1736% | 4,630 |
Noninterest income to average assets | 1.8785% | 378 |
Noninterest expense to average assets | 2.2687% | 4,687 |
Loan and lease loss provision to assets | 0.0557% | 3,033 |
Net operating income to assets | 1.7280% | 547 |
Return on assets (ROA) | 1.7280% | 578 |
Pretax return on assets | 2.5139% | 212 |
Return on Equity (ROE) | 17.9139% | 361 |
Retained earnings to average equity (ytd only) | 9.2459% | 784 |
Net charge-offs to loans | -3.6642% | 6,013 |
Credit loss provision to net charge-offs | -3.9683% | 4,441 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.8894% | 5,714 |
Assets per employee ($millions) | 6.3668% | 1,156 |
Cash dividends to net income (ytd only)* | 48.3871% | 2,045 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5266% | 119 |
Loan loss allowance to noncurrent loans | 1,966.6667% | 332 |
Noncurrent assets plus other real estate owned to assets | 0.0838% | 5,192 |
Noncurrent loans to loans | 0.1793% | 4,716 |
Net loans and leases to total assets | 33.8002% | 5,685 |
Net loans and leases to deposits | 37.6993% | 5,751 |
Net loans and leases to core deposits | 37.6993% | 5,794 |
Total domestic deposits to total assets | 89.6573% | 614 |
Equity capital to assets | 9.6123% | 4,656 |
Core capital (leverage) ratio | 9.4832% | 4,230 |
Tier 1 risk-based capital ratio | 14.3068% | 3,430 |
Total risk-based capital ratio | 15.5713% | 3,346 |
Memoranda: | ||
Average total assets | $35,880,330 | 5,746 |
Average earning assets | $33,464,000 | 5,720 |
Average equity | $3,461,000 | 5,836 |
Average total loans | $13,754,670 | 5,826 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5934% | 4,630 |
Cost of funding earning assets | 0.4227% | 2,834 |
Net interest margin | 3.1706% | 4,673 |
Noninterest income to average assets | 0.2419% | 5,010 |
Noninterest expense to average assets | 2.2235% | 4,850 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.7373% | 3,552 |
Return on assets (ROA) | 0.7373% | 3,656 |
Pretax return on assets | 0.9562% | 3,641 |
Return on Equity (ROE) | 7.6293% | 3,118 |
Retained earnings to average equity (ytd only) | -10.2518% | 5,810 |
Net charge-offs to loans | 0.7174% | 294 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | 3.3200% | 2,556 |
Efficiency ratio | 69.9275% | 3,148 |
Assets per employee ($millions) | 5.8210% | 1,559 |
Cash dividends to net income (ytd only)* | 234.3750% | 190 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3294% | 2,765 |
Loan loss allowance to noncurrent loans | 268.1159% | 1,771 |
Noncurrent assets plus other real estate owned to assets | 0.1976% | 4,772 |
Noncurrent loans to loans | 0.4958% | 3,689 |
Net loans and leases to total assets | 39.3146% | 5,494 |
Net loans and leases to deposits | 43.6931% | 5,606 |
Net loans and leases to core deposits | 43.6931% | 5,666 |
Total domestic deposits to total assets | 89.9788% | 607 |
Equity capital to assets | 9.6375% | 4,519 |
Core capital (leverage) ratio | 9.2219% | 4,575 |
Tier 1 risk-based capital ratio | 13.4511% | 4,007 |
Total risk-based capital ratio | 14.2332% | 4,194 |
Memoranda: | ||
Average total assets | $34,720,000 | 5,826 |
Average earning assets | $32,170,500 | 5,804 |
Average equity | $3,355,500 | 5,897 |
Average total loans | $13,940,000 | 5,874 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6782% | 4,430 |
Cost of funding earning assets | 0.4636% | 2,501 |
Net interest margin | 3.2146% | 4,578 |
Noninterest income to average assets | 0.2389% | 5,169 |
Noninterest expense to average assets | 2.1927% | 5,058 |
Loan and lease loss provision to assets | 0.0711% | 2,853 |
Net operating income to assets | 0.7863% | 3,393 |
Return on assets (ROA) | 0.7679% | 3,564 |
Pretax return on assets | 0.9499% | 3,656 |
Return on Equity (ROE) | 8.0882% | 2,911 |
Retained earnings to average equity (ytd only) | 0.5991% | 5,277 |
Net charge-offs to loans | -0.0209% | 5,279 |
Credit loss provision to net charge-offs | -833.3333% | 5,533 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.7504% | 3,611 |
Assets per employee ($millions) | 5.7523% | 1,579 |
Cash dividends to net income (ytd only)* | 92.5926% | 545 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5039% | 1,983 |
Loan loss allowance to noncurrent loans | 124.2604% | 3,186 |
Noncurrent assets plus other real estate owned to assets | 0.4897% | 3,679 |
Noncurrent loans to loans | 1.2103% | 1,949 |
Net loans and leases to total assets | 39.8505% | 5,524 |
Net loans and leases to deposits | 45.5461% | 5,590 |
Net loans and leases to core deposits | 45.5461% | 5,667 |
Total domestic deposits to total assets | 87.4949% | 1,884 |
Equity capital to assets | 9.6917% | 4,318 |
Core capital (leverage) ratio | 9.6273% | 4,007 |
Tier 1 risk-based capital ratio | 14.2509% | 3,583 |
Total risk-based capital ratio | 15.1496% | 3,701 |
Memoranda: | ||
Average total assets | $35,162,800 | 5,866 |
Average earning assets | $32,788,000 | 5,838 |
Average equity | $3,338,200 | 5,949 |
Average total loans | $14,325,600 | 5,913 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6393% | 4,610 |
Cost of funding earning assets | 0.4635% | 2,546 |
Net interest margin | 3.1758% | 4,757 |
Noninterest income to average assets | 0.3171% | 4,671 |
Noninterest expense to average assets | 2.2533% | 4,900 |
Loan and lease loss provision to assets | 0.0566% | 3,055 |
Net operating income to assets | 0.7944% | 3,457 |
Return on assets (ROA) | 0.7700% | 3,669 |
Pretax return on assets | 0.9511% | 3,814 |
Return on Equity (ROE) | 8.1520% | 2,991 |
Retained earnings to average equity (ytd only) | -1.8382% | 5,842 |
Net charge-offs to loans | -0.0277% | 5,325 |
Credit loss provision to net charge-offs | -500.0000% | 5,355 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.4633% | 3,459 |
Assets per employee ($millions) | 4.9404% | 2,371 |
Cash dividends to net income (ytd only)* | 122.5523% | 212 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3590% | 2,791 |
Loan loss allowance to noncurrent loans | 119.0476% | 3,293 |
Noncurrent assets plus other real estate owned to assets | 0.6333% | 3,360 |
Noncurrent loans to loans | 1.1415% | 2,226 |
Net loans and leases to total assets | 41.9773% | 5,492 |
Net loans and leases to deposits | 49.2536% | 5,501 |
Net loans and leases to core deposits | 49.2536% | 5,604 |
Total domestic deposits to total assets | 85.2268% | 2,917 |
Equity capital to assets | 9.6550% | 4,569 |
Core capital (leverage) ratio | 9.1155% | 4,854 |
Tier 1 risk-based capital ratio | 13.1020% | 4,375 |
Total risk-based capital ratio | 13.9128% | 4,546 |
Memoranda: | ||
Average total assets | $35,325,000 | 5,944 |
Average earning assets | $33,082,250 | 5,912 |
Average equity | $3,336,500 | 6,028 |
Average total loans | $14,416,000 | 5,985 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6128% | 4,688 |
Cost of funding earning assets | 0.4621% | 2,585 |
Net interest margin | 3.1507% | 4,826 |
Noninterest income to average assets | 0.3936% | 4,128 |
Noninterest expense to average assets | 2.2771% | 4,902 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.8335% | 3,199 |
Return on assets (ROA) | 0.7984% | 3,486 |
Pretax return on assets | 1.0233% | 3,482 |
Return on Equity (ROE) | 8.5140% | 2,792 |
Retained earnings to average equity (ytd only) | 1.1392% | 5,112 |
Net charge-offs to loans | -0.0279% | 5,299 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.0672% | 3,658 |
Assets per employee ($millions) | 5.0651% | 2,185 |
Cash dividends to net income (ytd only)* | 86.6197% | 778 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2032% | 3,772 |
Loan loss allowance to noncurrent loans | 106.9767% | 3,555 |
Noncurrent assets plus other real estate owned to assets | 0.8800% | 2,785 |
Noncurrent loans to loans | 1.1247% | 2,400 |
Net loans and leases to total assets | 42.6134% | 5,461 |
Net loans and leases to deposits | 50.1444% | 5,499 |
Net loans and leases to core deposits | 50.1444% | 5,607 |
Total domestic deposits to total assets | 84.9814% | 3,131 |
Equity capital to assets | 9.4201% | 4,754 |
Core capital (leverage) ratio | 9.3269% | 4,519 |
Tier 1 risk-based capital ratio | 11.4417% | 5,502 |
Total risk-based capital ratio | 12.0774% | 5,726 |
Memoranda: | ||
Average total assets | $35,572,330 | 6,004 |
Average earning assets | $33,325,670 | 5,969 |
Average equity | $3,335,670 | 6,084 |
Average total loans | $14,315,670 | 6,053 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5058% | 4,943 |
Cost of funding earning assets | 0.4442% | 2,836 |
Net interest margin | 3.0616% | 5,058 |
Noninterest income to average assets | 0.4715% | 3,496 |
Noninterest expense to average assets | 2.2228% | 5,090 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.8914% | 2,781 |
Return on assets (ROA) | 0.8195% | 3,288 |
Pretax return on assets | 1.0216% | 3,416 |
Return on Equity (ROE) | 8.7596% | 2,569 |
Retained earnings to average equity (ytd only) | -6.2397% | 6,003 |
Net charge-offs to loans | -0.0579% | 5,593 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.6667% | 4,037 |
Assets per employee ($millions) | 5.0867% | 2,250 |
Cash dividends to net income (ytd only)* | 171.2329% | 296 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3015% | 3,394 |
Loan loss allowance to noncurrent loans | 97.8723% | 3,732 |
Noncurrent assets plus other real estate owned to assets | 0.9212% | 2,795 |
Noncurrent loans to loans | 1.3297% | 2,163 |
Net loans and leases to total assets | 39.1889% | 5,648 |
Net loans and leases to deposits | 46.0954% | 5,652 |
Net loans and leases to core deposits | 46.0954% | 5,752 |
Total domestic deposits to total assets | 85.0170% | 3,396 |
Equity capital to assets | 9.4476% | 4,808 |
Core capital (leverage) ratio | 9.1634% | 4,772 |
Tier 1 risk-based capital ratio | 14.5995% | 3,663 |
Total risk-based capital ratio | 15.4225% | 3,826 |
Memoranda: | ||
Average total assets | $35,630,500 | 6,062 |
Average earning assets | $33,316,000 | 6,034 |
Average equity | $3,333,500 | 6,145 |
Average total loans | $13,827,000 | 6,125 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6815% | 4,849 |
Cost of funding earning assets | 0.4871% | 2,810 |
Net interest margin | 3.1943% | 4,941 |
Noninterest income to average assets | 0.3172% | 4,849 |
Noninterest expense to average assets | 2.0546% | 5,668 |
Loan and lease loss provision to assets | 0.0883% | 2,703 |
Net operating income to assets | 0.8694% | 3,024 |
Return on assets (ROA) | 0.8880% | 3,016 |
Pretax return on assets | 1.1831% | 2,720 |
Return on Equity (ROE) | 10.6264% | 1,847 |
Retained earnings to average equity (ytd only) | 10.6264% | 426 |
Net charge-offs to loans | 0.6241% | 630 |
Credit loss provision to net charge-offs | 38.0952% | 3,710 |
Earnings coverage of net charge-offs (x) | 5.3810% | 3,434 |
Efficiency ratio | 62.2389% | 4,871 |
Assets per employee ($millions) | 5.0934% | 2,202 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3466% | 3,189 |
Loan loss allowance to noncurrent loans | 78.1116% | 4,272 |
Noncurrent assets plus other real estate owned to assets | 1.0462% | 2,651 |
Noncurrent loans to loans | 1.7239% | 1,686 |
Net loans and leases to total assets | 37.3983% | 5,885 |
Net loans and leases to deposits | 43.3049% | 5,909 |
Net loans and leases to core deposits | 43.3049% | 5,982 |
Total domestic deposits to total assets | 86.3606% | 2,638 |
Equity capital to assets | 9.2640% | 4,987 |
Core capital (leverage) ratio | 9.1131% | 4,804 |
Tier 1 risk-based capital ratio | 14.6830% | 3,671 |
Total risk-based capital ratio | 15.4888% | 3,867 |
Memoranda: | ||
Average total assets | $36,259,600 | 6,125 |
Average earning assets | $33,872,400 | 6,097 |
Average equity | $3,030,200 | 6,266 |
Average total loans | $13,459,400 | 6,214 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6638% | 4,961 |
Cost of funding earning assets | 0.4820% | 2,935 |
Net interest margin | 3.1818% | 5,022 |
Noninterest income to average assets | 0.3259% | 4,827 |
Noninterest expense to average assets | 2.0286% | 5,725 |
Loan and lease loss provision to assets | 0.0293% | 3,821 |
Net operating income to assets | 0.9264% | 2,792 |
Return on assets (ROA) | 0.9264% | 2,885 |
Pretax return on assets | 1.2413% | 2,609 |
Return on Equity (ROE) | 11.3883% | 1,665 |
Retained earnings to average equity (ytd only) | 11.3883% | 468 |
Net charge-offs to loans | 0.6545% | 547 |
Credit loss provision to net charge-offs | 12.1212% | 3,679 |
Earnings coverage of net charge-offs (x) | 5.2575% | 3,301 |
Efficiency ratio | 61.4872% | 4,965 |
Assets per employee ($millions) | 6.0230% | 1,321 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2670% | 3,836 |
Loan loss allowance to noncurrent loans | 90.7216% | 3,894 |
Noncurrent assets plus other real estate owned to assets | 1.1373% | 2,678 |
Noncurrent loans to loans | 1.3966% | 2,318 |
Net loans and leases to total assets | 37.9517% | 5,947 |
Net loans and leases to deposits | 43.0612% | 6,017 |
Net loans and leases to core deposits | 43.0612% | 6,079 |
Total domestic deposits to total assets | 88.1344% | 1,698 |
Equity capital to assets | 8.6363% | 5,688 |
Core capital (leverage) ratio | 8.8624% | 5,246 |
Tier 1 risk-based capital ratio | 13.8153% | 4,346 |
Total risk-based capital ratio | 14.5641% | 4,601 |
Memoranda: | ||
Average total assets | $36,411,000 | 6,190 |
Average earning assets | $34,025,500 | 6,164 |
Average equity | $2,962,000 | 6,353 |
Average total loans | $13,445,250 | 6,284 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5984% | 5,154 |
Cost of funding earning assets | 0.4814% | 3,009 |
Net interest margin | 3.1171% | 5,199 |
Noninterest income to average assets | 0.3068% | 4,951 |
Noninterest expense to average assets | 2.1752% | 5,473 |
Loan and lease loss provision to assets | 0.0000% | 4,196 |
Net operating income to assets | 0.7890% | 3,385 |
Return on assets (ROA) | 0.7890% | 3,484 |
Pretax return on assets | 1.0410% | 3,315 |
Return on Equity (ROE) | 9.9003% | 2,196 |
Retained earnings to average equity (ytd only) | 9.9003% | 738 |
Net charge-offs to loans | 0.4663% | 868 |
Credit loss provision to net charge-offs | 0.0000% | 3,401 |
Earnings coverage of net charge-offs (x) | 6.1290% | 2,817 |
Efficiency ratio | 67.6320% | 4,080 |
Assets per employee ($millions) | 5.9507% | 1,306 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4962% | 2,922 |
Loan loss allowance to noncurrent loans | 47.5410% | 5,255 |
Noncurrent assets plus other real estate owned to assets | 1.3584% | 2,408 |
Noncurrent loans to loans | 3.1471% | 904 |
Net loans and leases to total assets | 37.4328% | 5,986 |
Net loans and leases to deposits | 41.8651% | 6,071 |
Net loans and leases to core deposits | 41.8651% | 6,154 |
Total domestic deposits to total assets | 89.4130% | 1,147 |
Equity capital to assets | 8.6237% | 5,685 |
Core capital (leverage) ratio | 8.6746% | 5,441 |
Tier 1 risk-based capital ratio | 13.7778% | 4,404 |
Total risk-based capital ratio | 14.6688% | 4,583 |
Memoranda: | ||
Average total assets | $36,502,000 | 6,251 |
Average earning assets | $34,070,330 | 6,225 |
Average equity | $2,909,000 | 6,413 |
Average total loans | $13,296,670 | 6,346 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5000% | 5,429 |
Cost of funding earning assets | 0.4900% | 3,013 |
Net interest margin | 3.0100% | 5,502 |
Noninterest income to average assets | 0.3360% | 4,689 |
Noninterest expense to average assets | 2.4390% | 4,814 |
Loan and lease loss provision to assets | 0.0000% | 3,817 |
Net operating income to assets | 0.5745% | 4,325 |
Return on assets (ROA) | 0.5745% | 4,400 |
Pretax return on assets | 0.6937% | 4,509 |
Return on Equity (ROE) | 7.5071% | 3,199 |
Retained earnings to average equity (ytd only) | 7.5071% | 1,816 |
Net charge-offs to loans | 0.4863% | 754 |
Credit loss provision to net charge-offs | 0.0000% | 2,688 |
Earnings coverage of net charge-offs (x) | 4.0000% | 2,587 |
Efficiency ratio | 77.8547% | 2,492 |
Assets per employee ($millions) | 7.2068% | 715 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6827% | 2,409 |
Loan loss allowance to noncurrent loans | 82.2642% | 4,109 |
Noncurrent assets plus other real estate owned to assets | 0.7604% | 3,841 |
Noncurrent loans to loans | 2.0455% | 1,815 |
Net loans and leases to total assets | 35.3472% | 6,103 |
Net loans and leases to deposits | 38.5514% | 6,221 |
Net loans and leases to core deposits | 38.5514% | 6,291 |
Total domestic deposits to total assets | 91.6884% | 331 |
Equity capital to assets | 7.9925% | 6,067 |
Core capital (leverage) ratio | 8.1462% | 5,995 |
Tier 1 risk-based capital ratio | 12.7548% | 5,160 |
Total risk-based capital ratio | 13.6674% | 5,299 |
Memoranda: | ||
Average total assets | $36,901,000 | 6,302 |
Average earning assets | $34,285,500 | 6,279 |
Average equity | $2,824,000 | 6,484 |
Average total loans | $13,161,000 | 6,416 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9198% | 4,388 |
Cost of funding earning assets | 0.5963% | 2,698 |
Net interest margin | 3.3236% | 4,578 |
Noninterest income to average assets | 0.3295% | 4,979 |
Noninterest expense to average assets | 2.1165% | 5,795 |
Loan and lease loss provision to assets | 1.3637% | 113 |
Net operating income to assets | 0.1045% | 6,036 |
Return on assets (ROA) | 0.1045% | 6,087 |
Pretax return on assets | -0.0295% | 6,253 |
Return on Equity (ROE) | 1.2450% | 6,037 |
Retained earnings to average equity (ytd only) | -5.1395% | 6,381 |
Net charge-offs to loans | 2.8067% | 92 |
Credit loss provision to net charge-offs | 117.5520% | 2,049 |
Earnings coverage of net charge-offs (x) | 1.1501% | 4,692 |
Efficiency ratio | 61.3354% | 5,311 |
Assets per employee ($millions) | 7.5536% | 585 |
Cash dividends to net income (ytd only)* | 512.8205% | 15 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7506% | 2,233 |
Loan loss allowance to noncurrent loans | 62.2340% | 4,782 |
Noncurrent assets plus other real estate owned to assets | 0.9956% | 3,425 |
Noncurrent loans to loans | 2.8129% | 1,252 |
Net loans and leases to total assets | 34.7728% | 6,256 |
Net loans and leases to deposits | 37.5884% | 6,382 |
Net loans and leases to core deposits | 37.5884% | 6,428 |
Total domestic deposits to total assets | 92.5095% | 190 |
Equity capital to assets | 7.3290% | 6,356 |
Core capital (leverage) ratio | 7.9213% | 6,190 |
Tier 1 risk-based capital ratio | 12.4351% | 5,326 |
Total risk-based capital ratio | 13.4070% | 5,454 |
Memoranda: | ||
Average total assets | $37,325,400 | 6,354 |
Average earning assets | $35,052,400 | 6,317 |
Average equity | $3,132,600 | 6,511 |
Average total loans | $15,427,200 | 6,396 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0320% | 4,005 |
Cost of funding earning assets | 0.5695% | 3,084 |
Net interest margin | 3.4626% | 4,046 |
Noninterest income to average assets | 0.3260% | 5,077 |
Noninterest expense to average assets | 2.2929% | 5,364 |
Loan and lease loss provision to assets | 0.0000% | 4,941 |
Net operating income to assets | 0.9458% | 2,617 |
Return on assets (ROA) | 0.9458% | 2,724 |
Pretax return on assets | 1.3005% | 2,327 |
Return on Equity (ROE) | 10.9187% | 1,848 |
Retained earnings to average equity (ytd only) | 2.6469% | 4,740 |
Net charge-offs to loans | 0.0000% | 5,212 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.8086% | 4,830 |
Assets per employee ($millions) | 6.1110% | 1,165 |
Cash dividends to net income (ytd only)* | 75.7578% | 899 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0784% | 5,413 |
Loan loss allowance to noncurrent loans | 80.2030% | 4,065 |
Noncurrent assets plus other real estate owned to assets | 0.5373% | 4,839 |
Noncurrent loans to loans | 1.3445% | 3,169 |
Net loans and leases to total assets | 39.5298% | 6,067 |
Net loans and leases to deposits | 43.1973% | 6,254 |
Net loans and leases to core deposits | 43.1973% | 6,340 |
Total domestic deposits to total assets | 91.5098% | 368 |
Equity capital to assets | 8.3702% | 5,861 |
Core capital (leverage) ratio | 8.5793% | 5,687 |
Tier 1 risk-based capital ratio | 12.7709% | 5,280 |
Total risk-based capital ratio | 13.4019% | 5,621 |
Memoranda: | ||
Average total assets | $37,214,750 | 6,429 |
Average earning assets | $35,117,750 | 6,388 |
Average equity | $3,223,750 | 6,565 |
Average total loans | $15,942,250 | 6,439 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0807% | 3,818 |
Cost of funding earning assets | 0.5724% | 3,193 |
Net interest margin | 3.5083% | 3,746 |
Noninterest income to average assets | 0.3209% | 5,140 |
Noninterest expense to average assets | 2.2354% | 5,540 |
Loan and lease loss provision to assets | 0.0000% | 4,788 |
Net operating income to assets | 1.0001% | 2,327 |
Return on assets (ROA) | 1.0001% | 2,468 |
Pretax return on assets | 1.3958% | 1,949 |
Return on Equity (ROE) | 11.4187% | 1,672 |
Retained earnings to average equity (ytd only) | 5.3124% | 2,860 |
Net charge-offs to loans | 0.0000% | 4,909 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.5611% | 5,235 |
Assets per employee ($millions) | 6.3702% | 973 |
Cash dividends to net income (ytd only)* | 53.4759% | 1,721 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9676% | 5,937 |
Loan loss allowance to noncurrent loans | 2,257.1429% | 258 |
Noncurrent assets plus other real estate owned to assets | 0.0183% | 6,488 |
Noncurrent loans to loans | 0.0429% | 6,265 |
Net loans and leases to total assets | 42.3092% | 5,878 |
Net loans and leases to deposits | 47.4070% | 6,022 |
Net loans and leases to core deposits | 47.4070% | 6,156 |
Total domestic deposits to total assets | 89.2467% | 1,483 |
Equity capital to assets | 8.1029% | 6,129 |
Core capital (leverage) ratio | 8.6581% | 5,473 |
Tier 1 risk-based capital ratio | 12.0636% | 5,761 |
Total risk-based capital ratio | 12.6517% | 6,121 |
Memoranda: | ||
Average total assets | $37,397,670 | 6,473 |
Average earning assets | $35,287,670 | 6,428 |
Average equity | $3,275,330 | 6,608 |
Average total loans | $16,372,330 | 6,458 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1172% | 3,654 |
Cost of funding earning assets | 0.5849% | 3,256 |
Net interest margin | 3.5323% | 3,558 |
Noninterest income to average assets | 0.3677% | 4,727 |
Noninterest expense to average assets | 2.2603% | 5,538 |
Loan and lease loss provision to assets | 0.0000% | 4,409 |
Net operating income to assets | 1.0382% | 2,080 |
Return on assets (ROA) | 1.0382% | 2,188 |
Pretax return on assets | 1.4384% | 1,743 |
Return on Equity (ROE) | 11.4133% | 1,586 |
Retained earnings to average equity (ytd only) | -0.4756% | 5,874 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.1111% | 5,433 |
Assets per employee ($millions) | 6.4135% | 1,020 |
Cash dividends to net income (ytd only)* | 104.1667% | 605 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9491% | 6,136 |
Loan loss allowance to noncurrent loans | 228.9855% | 1,675 |
Noncurrent assets plus other real estate owned to assets | 0.1793% | 6,031 |
Noncurrent loans to loans | 0.4145% | 5,378 |
Net loans and leases to total assets | 42.8497% | 5,769 |
Net loans and leases to deposits | 48.2106% | 5,909 |
Net loans and leases to core deposits | 48.2106% | 6,088 |
Total domestic deposits to total assets | 88.8802% | 1,748 |
Equity capital to assets | 8.7316% | 5,783 |
Core capital (leverage) ratio | 8.7708% | 5,230 |
Tier 1 risk-based capital ratio | 12.1449% | 5,825 |
Total risk-based capital ratio | 12.7539% | 6,155 |
Memoranda: | ||
Average total assets | $36,986,000 | 6,546 |
Average earning assets | $34,878,000 | 6,493 |
Average equity | $3,364,500 | 6,650 |
Average total loans | $16,394,000 | 6,514 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9301% | 1,749 |
Cost of funding earning assets | 0.7846% | 2,785 |
Net interest margin | 4.1455% | 1,837 |
Noninterest income to average assets | 0.4267% | 4,406 |
Noninterest expense to average assets | 2.6082% | 4,709 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 1.2351% | 1,489 |
Return on assets (ROA) | 1.2351% | 1,659 |
Pretax return on assets | 1.7003% | 1,137 |
Return on Equity (ROE) | 11.8469% | 1,551 |
Retained earnings to average equity (ytd only) | 5.6927% | 2,262 |
Net charge-offs to loans | -0.0064% | 6,410 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.5361% | 5,462 |
Assets per employee ($millions) | 5.9152% | 1,347 |
Cash dividends to net income (ytd only)* | 51.9481% | 2,225 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9851% | 6,009 |
Loan loss allowance to noncurrent loans | 160.6061% | 2,238 |
Noncurrent assets plus other real estate owned to assets | 0.2789% | 5,853 |
Noncurrent loans to loans | 0.6133% | 4,980 |
Net loans and leases to total assets | 45.0311% | 5,722 |
Net loans and leases to deposits | 51.2375% | 5,870 |
Net loans and leases to core deposits | 51.2375% | 6,071 |
Total domestic deposits to total assets | 87.8871% | 2,299 |
Equity capital to assets | 9.4925% | 4,885 |
Core capital (leverage) ratio | 9.5401% | 4,054 |
Tier 1 risk-based capital ratio | 13.1305% | 5,017 |
Total risk-based capital ratio | 13.7881% | 5,403 |
Memoranda: | ||
Average total assets | $31,171,000 | 6,728 |
Average earning assets | $29,188,200 | 6,686 |
Average equity | $3,249,800 | 6,734 |
Average total loans | $15,541,400 | 6,626 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0983% | 1,428 |
Cost of funding earning assets | 0.8229% | 2,754 |
Net interest margin | 4.2754% | 1,542 |
Noninterest income to average assets | 0.4608% | 4,205 |
Noninterest expense to average assets | 2.8003% | 3,978 |
Loan and lease loss provision to assets | 0.0000% | 5,790 |
Net operating income to assets | 1.2185% | 1,672 |
Return on assets (ROA) | 1.2185% | 1,847 |
Pretax return on assets | 1.6660% | 1,373 |
Return on Equity (ROE) | 11.3870% | 1,825 |
Retained earnings to average equity (ytd only) | 3.1056% | 4,687 |
Net charge-offs to loans | 0.0000% | 5,771 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.6984% | 5,031 |
Assets per employee ($millions) | 5.3412% | 1,793 |
Cash dividends to net income (ytd only)* | 72.7268% | 844 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0288% | 5,974 |
Loan loss allowance to noncurrent loans | 790.0000% | 528 |
Noncurrent assets plus other real estate owned to assets | 0.0624% | 6,593 |
Noncurrent loans to loans | 0.1302% | 6,281 |
Net loans and leases to total assets | 47.4272% | 5,619 |
Net loans and leases to deposits | 54.2938% | 5,788 |
Net loans and leases to core deposits | 54.2938% | 6,029 |
Total domestic deposits to total assets | 87.3530% | 2,463 |
Equity capital to assets | 10.6687% | 3,642 |
Core capital (leverage) ratio | 9.7358% | 3,894 |
Tier 1 risk-based capital ratio | 14.0167% | 4,505 |
Total risk-based capital ratio | 14.7442% | 4,837 |
Memoranda: | ||
Average total assets | $30,091,000 | 6,836 |
Average earning assets | $28,191,500 | 6,799 |
Average equity | $3,220,000 | 6,828 |
Average total loans | $15,391,500 | 6,724 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1993% | 1,253 |
Cost of funding earning assets | 0.8496% | 2,796 |
Net interest margin | 4.3497% | 1,341 |
Noninterest income to average assets | 0.3872% | 4,747 |
Noninterest expense to average assets | 2.8669% | 3,756 |
Loan and lease loss provision to assets | 0.0000% | 5,619 |
Net operating income to assets | 1.1753% | 1,801 |
Return on assets (ROA) | 1.1753% | 2,002 |
Pretax return on assets | 1.5897% | 1,576 |
Return on Equity (ROE) | 10.9713% | 2,002 |
Retained earnings to average equity (ytd only) | 4.6295% | 3,531 |
Net charge-offs to loans | 0.0000% | 5,507 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.3293% | 4,827 |
Assets per employee ($millions) | 4.9580% | 2,228 |
Cash dividends to net income (ytd only)* | 57.8035% | 1,448 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0244% | 6,061 |
Loan loss allowance to noncurrent loans | 263.3333% | 1,334 |
Noncurrent assets plus other real estate owned to assets | 0.2017% | 6,282 |
Noncurrent loans to loans | 0.3890% | 5,757 |
Net loans and leases to total assets | 51.3144% | 5,184 |
Net loans and leases to deposits | 57.8570% | 5,464 |
Net loans and leases to core deposits | 57.8570% | 5,787 |
Total domestic deposits to total assets | 88.6917% | 1,713 |
Equity capital to assets | 10.8949% | 3,234 |
Core capital (leverage) ratio | 10.2236% | 3,112 |
Tier 1 risk-based capital ratio | 14.3180% | 4,231 |
Total risk-based capital ratio | 15.0619% | 4,559 |
Memoranda: | ||
Average total assets | $29,439,000 | 6,905 |
Average earning assets | $27,542,000 | 6,867 |
Average equity | $3,153,670 | 6,876 |
Average total loans | $15,403,000 | 6,778 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3630% | 979 |
Cost of funding earning assets | 0.8744% | 2,881 |
Net interest margin | 4.4886% | 1,032 |
Noninterest income to average assets | 0.3961% | 4,702 |
Noninterest expense to average assets | 2.7591% | 4,210 |
Loan and lease loss provision to assets | 0.0000% | 5,254 |
Net operating income to assets | 1.3523% | 1,315 |
Return on assets (ROA) | 1.3523% | 1,468 |
Pretax return on assets | 1.8440% | 988 |
Return on Equity (ROE) | 12.7331% | 1,480 |
Retained earnings to average equity (ytd only) | -0.1286% | 6,010 |
Net charge-offs to loans | 0.0000% | 4,730 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.9407% | 5,622 |
Assets per employee ($millions) | 4.8318% | 2,464 |
Cash dividends to net income (ytd only)* | 101.0101% | 535 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0260% | 6,156 |
Loan loss allowance to noncurrent loans | 243.0769% | 1,375 |
Noncurrent assets plus other real estate owned to assets | 0.2242% | 6,325 |
Noncurrent loans to loans | 0.4221% | 5,824 |
Net loans and leases to total assets | 52.5749% | 4,939 |
Net loans and leases to deposits | 59.2567% | 5,251 |
Net loans and leases to core deposits | 59.2567% | 5,605 |
Total domestic deposits to total assets | 88.7241% | 1,871 |
Equity capital to assets | 10.7999% | 3,145 |
Core capital (leverage) ratio | 10.0318% | 3,327 |
Tier 1 risk-based capital ratio | 14.0358% | 4,446 |
Total risk-based capital ratio | 14.7829% | 4,792 |
Memoranda: | ||
Average total assets | $29,284,500 | 6,964 |
Average earning assets | $27,447,500 | 6,922 |
Average equity | $3,110,000 | 6,933 |
Average total loans | $15,393,000 | 6,829 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4558% | 1,276 |
Cost of funding earning assets | 1.0040% | 3,349 |
Net interest margin | 4.4519% | 1,260 |
Noninterest income to average assets | 0.4178% | 4,470 |
Noninterest expense to average assets | 2.7669% | 4,488 |
Loan and lease loss provision to assets | 0.0616% | 5,842 |
Net operating income to assets | 1.2953% | 1,261 |
Return on assets (ROA) | 1.2978% | 1,359 |
Pretax return on assets | 1.7533% | 891 |
Return on Equity (ROE) | 12.8675% | 1,194 |
Retained earnings to average equity (ytd only) | 6.0773% | 1,972 |
Net charge-offs to loans | 0.0203% | 6,157 |
Credit loss provision to net charge-offs | 600.0000% | 370 |
Earnings coverage of net charge-offs (x) | 176.3333% | 194 |
Efficiency ratio | 60.4338% | 5,679 |
Assets per employee ($millions) | 4.9297% | 2,304 |
Cash dividends to net income (ytd only)* | 52.7704% | 1,914 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0269% | 6,088 |
Loan loss allowance to noncurrent loans | 243.0769% | 1,359 |
Noncurrent assets plus other real estate owned to assets | 0.2198% | 6,414 |
Noncurrent loans to loans | 0.4225% | 5,863 |
Net loans and leases to total assets | 51.4842% | 5,390 |
Net loans and leases to deposits | 57.6818% | 5,730 |
Net loans and leases to core deposits | 57.6818% | 6,024 |
Total domestic deposits to total assets | 89.2555% | 1,396 |
Equity capital to assets | 10.4436% | 3,592 |
Core capital (leverage) ratio | 9.9029% | 3,452 |
Tier 1 risk-based capital ratio | 13.9298% | 4,374 |
Total risk-based capital ratio | 14.6711% | 4,722 |
Memoranda: | ||
Average total assets | $29,202,200 | 6,989 |
Average earning assets | $27,292,000 | 6,948 |
Average equity | $2,945,400 | 7,022 |
Average total loans | $14,771,800 | 6,915 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4842% | 1,290 |
Cost of funding earning assets | 1.0301% | 3,469 |
Net interest margin | 4.4541% | 1,266 |
Noninterest income to average assets | 0.4214% | 4,508 |
Noninterest expense to average assets | 2.8216% | 4,265 |
Loan and lease loss provision to assets | 0.1099% | 5,059 |
Net operating income to assets | 1.2367% | 1,549 |
Return on assets (ROA) | 1.2367% | 1,653 |
Pretax return on assets | 1.6490% | 1,259 |
Return on Equity (ROE) | 12.3729% | 1,446 |
Retained earnings to average equity (ytd only) | 3.2078% | 4,425 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.6000% | 5,476 |
Assets per employee ($millions) | 4.7640% | 2,537 |
Cash dividends to net income (ytd only)* | 74.0743% | 767 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0352% | 6,104 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.4408% | 5,990 |
Noncurrent loans to loans | 0.0000% | 6,971 |
Net loans and leases to total assets | 55.5206% | 4,913 |
Net loans and leases to deposits | 62.0285% | 5,396 |
Net loans and leases to core deposits | 62.0285% | 5,810 |
Total domestic deposits to total assets | 89.5081% | 1,139 |
Equity capital to assets | 10.2575% | 4,011 |
Core capital (leverage) ratio | 9.5838% | 4,018 |
Tier 1 risk-based capital ratio | 13.4065% | 4,801 |
Total risk-based capital ratio | 14.1846% | 5,128 |
Memoranda: | ||
Average total assets | $29,108,250 | 7,065 |
Average earning assets | $27,180,500 | 7,017 |
Average equity | $2,909,500 | 7,093 |
Average total loans | $14,618,250 | 6,988 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3924% | 1,589 |
Cost of funding earning assets | 1.0331% | 3,722 |
Net interest margin | 4.3593% | 1,484 |
Noninterest income to average assets | 0.4235% | 4,480 |
Noninterest expense to average assets | 2.7456% | 4,645 |
Loan and lease loss provision to assets | 0.0820% | 5,288 |
Net operating income to assets | 1.2362% | 1,473 |
Return on assets (ROA) | 1.2362% | 1,550 |
Pretax return on assets | 1.6597% | 1,134 |
Return on Equity (ROE) | 12.4742% | 1,350 |
Retained earnings to average equity (ytd only) | 5.5824% | 2,649 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.1872% | 5,702 |
Assets per employee ($millions) | 4.9695% | 2,171 |
Cash dividends to net income (ytd only)* | 55.2486% | 1,518 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0691% | 6,063 |
Loan loss allowance to noncurrent loans | 115.7895% | 2,514 |
Noncurrent assets plus other real estate owned to assets | 0.4461% | 6,032 |
Noncurrent loans to loans | 0.9234% | 5,123 |
Net loans and leases to total assets | 47.7915% | 6,074 |
Net loans and leases to deposits | 53.9242% | 6,307 |
Net loans and leases to core deposits | 53.9242% | 6,563 |
Total domestic deposits to total assets | 88.6273% | 1,769 |
Equity capital to assets | 10.0513% | 4,073 |
Core capital (leverage) ratio | 9.4737% | 3,991 |
Tier 1 risk-based capital ratio | 14.0708% | 4,119 |
Total risk-based capital ratio | 14.8255% | 4,450 |
Memoranda: | ||
Average total assets | $29,283,000 | 7,122 |
Average earning assets | $27,297,670 | 7,077 |
Average equity | $2,902,000 | 7,155 |
Average total loans | $14,145,670 | 7,082 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3334% | 1,771 |
Cost of funding earning assets | 1.0548% | 3,819 |
Net interest margin | 4.2786% | 1,631 |
Noninterest income to average assets | 0.4549% | 4,235 |
Noninterest expense to average assets | 2.7709% | 4,558 |
Loan and lease loss provision to assets | 0.1379% | 4,286 |
Net operating income to assets | 1.1580% | 1,633 |
Return on assets (ROA) | 1.1580% | 1,686 |
Pretax return on assets | 1.5164% | 1,399 |
Return on Equity (ROE) | 11.7709% | 1,525 |
Retained earnings to average equity (ytd only) | -2.2421% | 6,188 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 62.6168% | 5,583 |
Assets per employee ($millions) | 4.9170% | 2,274 |
Cash dividends to net income (ytd only)* | 119.0476% | 470 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0754% | 6,134 |
Loan loss allowance to noncurrent loans | 121.6000% | 2,397 |
Noncurrent assets plus other real estate owned to assets | 0.4237% | 6,146 |
Noncurrent loans to loans | 0.8844% | 5,277 |
Net loans and leases to total assets | 47.3934% | 6,150 |
Net loans and leases to deposits | 53.0727% | 6,379 |
Net loans and leases to core deposits | 53.0727% | 6,619 |
Total domestic deposits to total assets | 89.2990% | 1,591 |
Equity capital to assets | 9.9553% | 3,833 |
Core capital (leverage) ratio | 9.5232% | 3,768 |
Tier 1 risk-based capital ratio | 13.8672% | 4,160 |
Total risk-based capital ratio | 14.6271% | 4,505 |
Memoranda: | ||
Average total assets | $29,016,000 | 7,182 |
Average earning assets | $26,924,500 | 7,137 |
Average equity | $2,854,500 | 7,211 |
Average total loans | $14,016,500 | 7,140 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8939% | 1,059 |
Cost of funding earning assets | 1.3075% | 3,836 |
Net interest margin | 4.5864% | 1,034 |
Noninterest income to average assets | 0.4674% | 4,394 |
Noninterest expense to average assets | 3.0099% | 3,809 |
Loan and lease loss provision to assets | 0.0075% | 7,004 |
Net operating income to assets | 1.2610% | 1,263 |
Return on assets (ROA) | 1.3199% | 1,194 |
Pretax return on assets | 1.7648% | 815 |
Return on Equity (ROE) | 12.7963% | 1,145 |
Retained earnings to average equity (ytd only) | 6.3800% | 1,631 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.9905% | 5,357 |
Assets per employee ($millions) | 4.7550% | 2,478 |
Cash dividends to net income (ytd only)* | 50.1416% | 2,072 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0217% | 6,280 |
Loan loss allowance to noncurrent loans | 113.6000% | 2,561 |
Noncurrent assets plus other real estate owned to assets | 0.4381% | 6,174 |
Noncurrent loans to loans | 0.8993% | 5,260 |
Net loans and leases to total assets | 48.2194% | 6,370 |
Net loans and leases to deposits | 53.5063% | 6,644 |
Net loans and leases to core deposits | 53.5063% | 6,837 |
Total domestic deposits to total assets | 90.1192% | 1,025 |
Equity capital to assets | 9.7161% | 4,102 |
Core capital (leverage) ratio | 10.1617% | 2,912 |
Tier 1 risk-based capital ratio | 13.7662% | 4,008 |
Total risk-based capital ratio | 14.4669% | 4,391 |
Memoranda: | ||
Average total assets | $26,745,400 | 7,298 |
Average earning assets | $24,703,600 | 7,266 |
Average equity | $2,758,600 | 7,340 |
Average total loans | $13,829,800 | 7,213 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9912% | 952 |
Cost of funding earning assets | 1.3527% | 3,880 |
Net interest margin | 4.6385% | 963 |
Noninterest income to average assets | 0.5272% | 3,968 |
Noninterest expense to average assets | 3.0773% | 3,437 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 1.3092% | 1,316 |
Return on assets (ROA) | 1.3283% | 1,363 |
Pretax return on assets | 1.7693% | 978 |
Return on Equity (ROE) | 12.6783% | 1,343 |
Retained earnings to average equity (ytd only) | 4.1132% | 3,577 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.8275% | 5,275 |
Assets per employee ($millions) | 4.4018% | 3,078 |
Cash dividends to net income (ytd only)* | 67.5570% | 968 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0176% | 6,316 |
Loan loss allowance to noncurrent loans | 120.6897% | 2,356 |
Noncurrent assets plus other real estate owned to assets | 0.4392% | 6,329 |
Noncurrent loans to loans | 0.8431% | 5,534 |
Net loans and leases to total assets | 51.5618% | 6,150 |
Net loans and leases to deposits | 59.5713% | 6,344 |
Net loans and leases to core deposits | 59.5713% | 6,637 |
Total domestic deposits to total assets | 86.5548% | 2,783 |
Equity capital to assets | 10.9689% | 2,990 |
Core capital (leverage) ratio | 10.2367% | 2,997 |
Tier 1 risk-based capital ratio | 14.3381% | 3,604 |
Total risk-based capital ratio | 15.0818% | 3,924 |
Memoranda: | ||
Average total assets | $26,299,250 | 7,404 |
Average earning assets | $24,346,250 | 7,367 |
Average equity | $2,755,250 | 7,435 |
Average total loans | $13,812,500 | 7,308 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0286% | 878 |
Cost of funding earning assets | 1.3836% | 3,982 |
Net interest margin | 4.6450% | 903 |
Noninterest income to average assets | 0.5255% | 3,914 |
Noninterest expense to average assets | 3.0538% | 3,507 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 1.3270% | 1,243 |
Return on assets (ROA) | 1.3556% | 1,252 |
Pretax return on assets | 1.8049% | 879 |
Return on Equity (ROE) | 13.1462% | 1,202 |
Retained earnings to average equity (ytd only) | 7.5332% | 1,627 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.3491% | 5,456 |
Assets per employee ($millions) | 4.3590% | 3,116 |
Cash dividends to net income (ytd only)* | 42.6966% | 1,959 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0182% | 6,322 |
Loan loss allowance to noncurrent loans | 120.6897% | 2,314 |
Noncurrent assets plus other real estate owned to assets | 0.4435% | 6,338 |
Noncurrent loans to loans | 0.8436% | 5,587 |
Net loans and leases to total assets | 52.0379% | 6,206 |
Net loans and leases to deposits | 58.9662% | 6,500 |
Net loans and leases to core deposits | 58.9662% | 6,767 |
Total domestic deposits to total assets | 88.2504% | 1,849 |
Equity capital to assets | 10.8282% | 3,051 |
Core capital (leverage) ratio | 10.2719% | 2,871 |
Tier 1 risk-based capital ratio | 14.7625% | 3,282 |
Total risk-based capital ratio | 15.5234% | 3,530 |
Memoranda: | ||
Average total assets | $26,262,000 | 7,460 |
Average earning assets | $24,284,330 | 7,431 |
Average equity | $2,708,000 | 7,498 |
Average total loans | $13,830,670 | 7,364 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0752% | 824 |
Cost of funding earning assets | 1.4198% | 4,051 |
Net interest margin | 4.6555% | 858 |
Noninterest income to average assets | 0.5168% | 3,922 |
Noninterest expense to average assets | 3.2072% | 2,830 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 1.2117% | 1,509 |
Return on assets (ROA) | 1.2464% | 1,484 |
Pretax return on assets | 1.6416% | 1,180 |
Return on Equity (ROE) | 12.3961% | 1,390 |
Retained earnings to average equity (ytd only) | 0.9070% | 5,452 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.7722% | 4,959 |
Assets per employee ($millions) | 4.3420% | 3,220 |
Cash dividends to net income (ytd only)* | 92.6829% | 663 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0140% | 6,387 |
Loan loss allowance to noncurrent loans | 120.6897% | 2,302 |
Noncurrent assets plus other real estate owned to assets | 0.4453% | 6,351 |
Noncurrent loans to loans | 0.8402% | 5,633 |
Net loans and leases to total assets | 52.4605% | 6,222 |
Net loans and leases to deposits | 59.6109% | 6,502 |
Net loans and leases to core deposits | 59.6109% | 6,777 |
Total domestic deposits to total assets | 88.0048% | 2,052 |
Equity capital to assets | 10.2641% | 3,516 |
Core capital (leverage) ratio | 9.8764% | 3,309 |
Tier 1 risk-based capital ratio | 14.1270% | 3,580 |
Total risk-based capital ratio | 14.8819% | 3,865 |
Memoranda: | ||
Average total assets | $26,316,000 | 7,551 |
Average earning assets | $24,229,500 | 7,528 |
Average equity | $2,646,000 | 7,595 |
Average total loans | $13,871,000 | 7,452 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3472% | 940 |
Cost of funding earning assets | 1.7767% | 4,121 |
Net interest margin | 4.5705% | 1,037 |
Noninterest income to average assets | 0.5853% | 3,748 |
Noninterest expense to average assets | 3.0613% | 3,900 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 1.5056% | 666 |
Return on assets (ROA) | 0.7778% | 2,704 |
Pretax return on assets | 0.8818% | 2,984 |
Return on Equity (ROE) | 9.2610% | 1,937 |
Retained earnings to average equity (ytd only) | 9.2610% | 457 |
Net charge-offs to loans | 0.0282% | 6,851 |
Credit loss provision to net charge-offs | 0.0000% | 7,003 |
Earnings coverage of net charge-offs (x) | 110.0000% | 257 |
Efficiency ratio | 64.3725% | 5,701 |
Assets per employee ($millions) | 4.4300% | 3,049 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0047% | 6,348 |
Loan loss allowance to noncurrent loans | 114.7541% | 2,444 |
Noncurrent assets plus other real estate owned to assets | 0.4590% | 6,308 |
Noncurrent loans to loans | 0.8755% | 5,552 |
Net loans and leases to total assets | 51.8999% | 6,435 |
Net loans and leases to deposits | 58.0183% | 6,787 |
Net loans and leases to core deposits | 66.7683% | 6,941 |
Total domestic deposits to total assets | 89.4545% | 1,238 |
Equity capital to assets | 9.8495% | 3,946 |
Core capital (leverage) ratio | 9.8772% | 3,230 |
Tier 1 risk-based capital ratio | 13.6565% | 3,715 |
Total risk-based capital ratio | 14.3880% | 3,999 |
Memoranda: | ||
Average total assets | $25,969,200 | 7,610 |
Average earning assets | $23,695,600 | 7,595 |
Average equity | $2,181,200 | 7,807 |
Average total loans | $14,162,600 | 7,490 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4647% | 812 |
Cost of funding earning assets | 1.8414% | 4,191 |
Net interest margin | 4.6233% | 950 |
Noninterest income to average assets | 0.5836% | 3,829 |
Noninterest expense to average assets | 3.0212% | 3,966 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 1.7624% | 491 |
Return on assets (ROA) | 0.6094% | 3,628 |
Pretax return on assets | 0.6146% | 4,146 |
Return on Equity (ROE) | 7.5931% | 2,819 |
Retained earnings to average equity (ytd only) | 7.5931% | 1,269 |
Net charge-offs to loans | 0.0281% | 6,490 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | 114.6650% | 322 |
Efficiency ratio | 62.9709% | 5,929 |
Assets per employee ($millions) | 4.1908% | 3,392 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0397% | 6,065 |
Loan loss allowance to noncurrent loans | 88.6792% | 3,100 |
Noncurrent assets plus other real estate owned to assets | 0.6323% | 5,868 |
Noncurrent loans to loans | 1.1725% | 4,985 |
Net loans and leases to total assets | 53.3705% | 6,457 |
Net loans and leases to deposits | 59.4832% | 6,867 |
Net loans and leases to core deposits | 68.9868% | 7,018 |
Total domestic deposits to total assets | 89.7236% | 878 |
Equity capital to assets | 9.9702% | 4,125 |
Core capital (leverage) ratio | 9.9442% | 3,346 |
Tier 1 risk-based capital ratio | 13.9478% | 3,579 |
Total risk-based capital ratio | 14.7252% | 3,805 |
Memoranda: | ||
Average total assets | $25,816,500 | 7,686 |
Average earning assets | $23,532,250 | 7,672 |
Average equity | $2,072,000 | 7,909 |
Average total loans | $14,219,500 | 7,557 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5349% | 763 |
Cost of funding earning assets | 1.9215% | 4,154 |
Net interest margin | 4.6134% | 930 |
Noninterest income to average assets | 0.5837% | 3,808 |
Noninterest expense to average assets | 3.0030% | 4,071 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.9278% | 352 |
Return on assets (ROA) | 0.3379% | 4,840 |
Pretax return on assets | 0.1766% | 5,522 |
Return on Equity (ROE) | 4.5667% | 4,275 |
Retained earnings to average equity (ytd only) | 4.5667% | 2,753 |
Net charge-offs to loans | 0.0554% | 5,715 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | 57.5000% | 620 |
Efficiency ratio | 62.9630% | 6,088 |
Assets per employee ($millions) | 4.2213% | 3,254 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9781% | 6,396 |
Loan loss allowance to noncurrent loans | 106.8702% | 2,741 |
Noncurrent assets plus other real estate owned to assets | 0.5172% | 6,139 |
Noncurrent loans to loans | 0.9153% | 5,385 |
Net loans and leases to total assets | 55.9578% | 6,208 |
Net loans and leases to deposits | 62.1214% | 6,724 |
Net loans and leases to core deposits | 71.5158% | 6,932 |
Total domestic deposits to total assets | 90.0782% | 798 |
Equity capital to assets | 8.6387% | 5,838 |
Core capital (leverage) ratio | 9.3708% | 4,070 |
Tier 1 risk-based capital ratio | 12.8371% | 4,257 |
Total risk-based capital ratio | 13.5689% | 4,583 |
Memoranda: | ||
Average total assets | $26,040,330 | 7,755 |
Average earning assets | $23,627,000 | 7,735 |
Average equity | $1,927,000 | 8,018 |
Average total loans | $14,439,000 | 7,622 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7543% | 524 |
Cost of funding earning assets | 2.0094% | 4,080 |
Net interest margin | 4.7449% | 695 |
Noninterest income to average assets | 0.5607% | 3,831 |
Noninterest expense to average assets | 3.2732% | 2,731 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.1971% | 1,661 |
Return on assets (ROA) | 1.1971% | 1,777 |
Pretax return on assets | 1.5457% | 1,541 |
Return on Equity (ROE) | 17.5898% | 628 |
Retained earnings to average equity (ytd only) | 17.5898% | 247 |
Net charge-offs to loans | 0.1103% | 4,087 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | 25.5000% | 1,204 |
Efficiency ratio | 67.9245% | 4,977 |
Assets per employee ($millions) | 4.1742% | 3,312 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9940% | 6,230 |
Loan loss allowance to noncurrent loans | 119.6581% | 2,618 |
Noncurrent assets plus other real estate owned to assets | 0.4672% | 6,082 |
Noncurrent loans to loans | 0.8307% | 5,363 |
Net loans and leases to total assets | 55.6758% | 6,285 |
Net loans and leases to deposits | 60.1449% | 6,884 |
Net loans and leases to core deposits | 70.6490% | 6,985 |
Total domestic deposits to total assets | 92.5694% | 116 |
Equity capital to assets | 7.0753% | 7,640 |
Core capital (leverage) ratio | 9.3149% | 4,223 |
Tier 1 risk-based capital ratio | 13.0610% | 4,151 |
Total risk-based capital ratio | 13.7951% | 4,439 |
Memoranda: | ||
Average total assets | $26,396,500 | 7,785 |
Average earning assets | $23,688,500 | 7,783 |
Average equity | $1,796,500 | 8,091 |
Average total loans | $14,502,000 | 7,661 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3891% | 3,474 |
Cost of funding earning assets | 2.7755% | 2,804 |
Net interest margin | 3.6136% | 4,821 |
Noninterest income to average assets | 0.5318% | 4,384 |
Noninterest expense to average assets | 2.6482% | 5,454 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 0.9513% | 2,785 |
Return on assets (ROA) | 0.9738% | 2,553 |
Pretax return on assets | 1.2433% | 2,503 |
Return on Equity (ROE) | 13.6662% | 1,168 |
Retained earnings to average equity (ytd only) | 13.6662% | 136 |
Net charge-offs to loans | 0.0000% | 7,039 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 68.5581% | 4,622 |
Assets per employee ($millions) | 4.6247% | 2,438 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9651% | 6,295 |
Loan loss allowance to noncurrent loans | 121.0084% | 2,964 |
Noncurrent assets plus other real estate owned to assets | 0.4289% | 5,932 |
Noncurrent loans to loans | 0.7976% | 5,047 |
Net loans and leases to total assets | 53.2507% | 6,726 |
Net loans and leases to deposits | 59.4727% | 7,128 |
Net loans and leases to core deposits | 69.1146% | 7,241 |
Total domestic deposits to total assets | 89.5380% | 832 |
Equity capital to assets | 6.5626% | 7,917 |
Core capital (leverage) ratio | 8.5408% | 5,497 |
Tier 1 risk-based capital ratio | 10.7176% | 5,988 |
Total risk-based capital ratio | 11.3575% | 6,486 |
Memoranda: | ||
Average total assets | $27,830,200 | 7,735 |
Average earning assets | $25,653,000 | 7,707 |
Average equity | $1,983,000 | 8,122 |
Average total loans | $15,110,400 | 7,641 |