Home > Quad City Bank and Trust Company > Performance and Condition Ratios
Quad City Bank and Trust Company, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5350% | 1,112 |
Cost of funding earning assets | 2.6053% | 296 |
Net interest margin | 2.9297% | 3,427 |
Noninterest income to average assets | 0.7000% | 1,184 |
Noninterest expense to average assets | 1.9892% | 3,659 |
Loan and lease loss provision to assets | 0.5100% | 177 |
Net operating income to assets | 0.8854% | 2,594 |
Return on assets (ROA) | 0.8857% | 2,566 |
Pretax return on assets | 0.9641% | 2,769 |
Return on Equity (ROE) | 8.7200% | 2,825 |
Retained earnings to average equity (ytd only) | 8.7227% | 1,324 |
Net charge-offs to loans | 0.3948% | 264 |
Credit loss provision to net charge-offs | 145.8783% | 1,496 |
Earnings coverage of net charge-offs (x) | 4.7667% | 2,565 |
Efficiency ratio | 57.4552% | 3,348 |
Assets per employee ($millions) | 10.0423% | 698 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4763% | 1,118 |
Loan loss allowance to noncurrent loans | 227.4405% | 2,375 |
Noncurrent assets plus other real estate owned to assets | 0.5307% | 1,057 |
Noncurrent loans to loans | 0.6491% | 1,208 |
Net loans and leases to total assets | 80.5500% | 579 |
Net loans and leases to deposits | 104.2189% | 347 |
Net loans and leases to core deposits | 122.3476% | 558 |
Total domestic deposits to total assets | 77.2900% | 3,811 |
Equity capital to assets | 10.7051% | 1,627 |
Core capital (leverage) ratio | 11.2313% | 1,804 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6685% | 2,353 |
Memoranda: | ||
Average total assets | $2,457,513,000 | 476 |
Average earning assets | $2,317,582,000 | 459 |
Average equity | $249,533,000 | 452 |
Average total loans | $1,923,636,400 | 418 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3733% | 1,171 |
Cost of funding earning assets | 2.4767% | 289 |
Net interest margin | 2.8966% | 3,552 |
Noninterest income to average assets | 0.7000% | 1,185 |
Noninterest expense to average assets | 1.9734% | 3,656 |
Loan and lease loss provision to assets | 0.4300% | 185 |
Net operating income to assets | 0.9575% | 2,493 |
Return on assets (ROA) | 0.9582% | 2,478 |
Pretax return on assets | 1.0350% | 2,758 |
Return on Equity (ROE) | 9.5600% | 2,782 |
Retained earnings to average equity (ytd only) | 9.5646% | 1,532 |
Net charge-offs to loans | 0.3071% | 285 |
Credit loss provision to net charge-offs | 163.5412% | 1,259 |
Earnings coverage of net charge-offs (x) | 6.1436% | 2,315 |
Efficiency ratio | 57.4681% | 3,268 |
Assets per employee ($millions) | 9.8141% | 714 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4280% | 1,341 |
Loan loss allowance to noncurrent loans | 249.1909% | 2,238 |
Noncurrent assets plus other real estate owned to assets | 0.4761% | 1,219 |
Noncurrent loans to loans | 0.5730% | 1,400 |
Net loans and leases to total assets | 81.8900% | 444 |
Net loans and leases to deposits | 100.1590% | 509 |
Net loans and leases to core deposits | 106.9841% | 976 |
Total domestic deposits to total assets | 81.7600% | 3,259 |
Equity capital to assets | 10.3986% | 1,598 |
Core capital (leverage) ratio | 11.0991% | 1,931 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.9034% | 2,297 |
Memoranda: | ||
Average total assets | $2,464,331,750 | 476 |
Average earning assets | $2,328,638,500 | 457 |
Average equity | $246,876,500 | 453 |
Average total loans | $1,907,807,000 | 423 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1104% | 1,351 |
Cost of funding earning assets | 2.2695% | 298 |
Net interest margin | 2.8409% | 3,751 |
Noninterest income to average assets | 0.6800% | 1,182 |
Noninterest expense to average assets | 1.9230% | 3,771 |
Loan and lease loss provision to assets | 0.4200% | 195 |
Net operating income to assets | 0.9557% | 2,561 |
Return on assets (ROA) | 0.9557% | 2,555 |
Pretax return on assets | 1.0329% | 2,822 |
Return on Equity (ROE) | 9.6600% | 2,804 |
Retained earnings to average equity (ytd only) | 9.6584% | 1,496 |
Net charge-offs to loans | 0.2984% | 282 |
Credit loss provision to net charge-offs | 168.5847% | 1,130 |
Earnings coverage of net charge-offs (x) | 6.4353% | 2,125 |
Efficiency ratio | 56.9862% | 3,306 |
Assets per employee ($millions) | 10.1869% | 639 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4409% | 1,388 |
Loan loss allowance to noncurrent loans | 311.6742% | 2,102 |
Noncurrent assets plus other real estate owned to assets | 0.3426% | 1,546 |
Noncurrent loans to loans | 0.4623% | 1,557 |
Net loans and leases to total assets | 73.0400% | 1,406 |
Net loans and leases to deposits | 87.5902% | 1,383 |
Net loans and leases to core deposits | 97.9112% | 1,353 |
Total domestic deposits to total assets | 83.3900% | 2,960 |
Equity capital to assets | 9.6478% | 2,063 |
Core capital (leverage) ratio | 11.0446% | 1,891 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.9545% | 2,315 |
Memoranda: | ||
Average total assets | $2,481,022,000 | 457 |
Average earning assets | $2,350,780,000 | 441 |
Average equity | $245,485,333 | 446 |
Average total loans | $1,875,152,667 | 412 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0638% | 1,123 |
Cost of funding earning assets | 2.0990% | 236 |
Net interest margin | 2.9648% | 3,669 |
Noninterest income to average assets | 0.6800% | 1,161 |
Noninterest expense to average assets | 1.9304% | 3,791 |
Loan and lease loss provision to assets | 0.2600% | 353 |
Net operating income to assets | 1.1632% | 2,039 |
Return on assets (ROA) | 1.1620% | 2,005 |
Pretax return on assets | 1.2957% | 2,191 |
Return on Equity (ROE) | 11.5900% | 2,325 |
Retained earnings to average equity (ytd only) | 11.5890% | 1,343 |
Net charge-offs to loans | 0.2091% | 350 |
Credit loss provision to net charge-offs | 134.7466% | 991 |
Earnings coverage of net charge-offs (x) | 9.7508% | 1,680 |
Efficiency ratio | 55.3572% | 3,473 |
Assets per employee ($millions) | 10.4138% | 609 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4140% | 1,568 |
Loan loss allowance to noncurrent loans | 508.3733% | 1,617 |
Noncurrent assets plus other real estate owned to assets | 0.2073% | 2,101 |
Noncurrent loans to loans | 0.2781% | 2,147 |
Net loans and leases to total assets | 72.6300% | 1,359 |
Net loans and leases to deposits | 84.9179% | 1,432 |
Net loans and leases to core deposits | 96.3359% | 1,262 |
Total domestic deposits to total assets | 85.5300% | 2,713 |
Equity capital to assets | 9.7289% | 1,979 |
Core capital (leverage) ratio | 11.0592% | 1,806 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.1548% | 2,330 |
Memoranda: | ||
Average total assets | $2,422,706,000 | 483 |
Average earning assets | $2,291,949,000 | 461 |
Average equity | $242,919,500 | 458 |
Average total loans | $1,850,148,000 | 423 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2392% | 1,177 |
Cost of funding earning assets | 0.7975% | 386 |
Net interest margin | 3.4417% | 2,128 |
Noninterest income to average assets | 0.7000% | 1,294 |
Noninterest expense to average assets | 2.0502% | 3,441 |
Loan and lease loss provision to assets | 0.0500% | 1,921 |
Net operating income to assets | 1.5393% | 797 |
Return on assets (ROA) | 1.5416% | 765 |
Pretax return on assets | 1.8655% | 634 |
Return on Equity (ROE) | 14.6300% | 1,358 |
Retained earnings to average equity (ytd only) | 10.3108% | 1,067 |
Net charge-offs to loans | 0.2902% | 264 |
Credit loss provision to net charge-offs | 33.9067% | 1,883 |
Earnings coverage of net charge-offs (x) | 8.2981% | 2,271 |
Efficiency ratio | 51.7497% | 4,005 |
Assets per employee ($millions) | 8.9320% | 942 |
Cash dividends to net income (ytd only)* | 29.5421% | 2,450 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4559% | 1,324 |
Loan loss allowance to noncurrent loans | 683.3633% | 1,283 |
Noncurrent assets plus other real estate owned to assets | 0.1690% | 2,361 |
Noncurrent loans to loans | 0.2130% | 2,423 |
Net loans and leases to total assets | 78.1800% | 780 |
Net loans and leases to deposits | 104.1300% | 293 |
Net loans and leases to core deposits | 110.5392% | 592 |
Total domestic deposits to total assets | 75.0800% | 4,310 |
Equity capital to assets | 10.3552% | 1,531 |
Core capital (leverage) ratio | 11.0145% | 1,794 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.0656% | 2,344 |
Memoranda: | ||
Average total assets | $2,195,715,000 | 508 |
Average earning assets | $2,080,479,200 | 491 |
Average equity | $231,309,800 | 473 |
Average total loans | $1,743,061,400 | 421 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9773% | 1,313 |
Cost of funding earning assets | 0.4841% | 821 |
Net interest margin | 3.4932% | 1,681 |
Noninterest income to average assets | 0.6900% | 1,362 |
Noninterest expense to average assets | 2.0535% | 3,342 |
Loan and lease loss provision to assets | -0.0100% | 4,370 |
Net operating income to assets | 1.6048% | 652 |
Return on assets (ROA) | 1.6080% | 627 |
Pretax return on assets | 1.9681% | 496 |
Return on Equity (ROE) | 15.2000% | 1,130 |
Retained earnings to average equity (ytd only) | 9.3851% | 1,522 |
Net charge-offs to loans | 0.1285% | 498 |
Credit loss provision to net charge-offs | 22.0012% | 1,621 |
Earnings coverage of net charge-offs (x) | 19.2043% | 1,733 |
Efficiency ratio | 51.1791% | 4,069 |
Assets per employee ($millions) | 8.7727% | 977 |
Cash dividends to net income (ytd only)* | 38.2365% | 1,663 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5865% | 1,091 |
Loan loss allowance to noncurrent loans | 958.3751% | 1,007 |
Noncurrent assets plus other real estate owned to assets | 0.1353% | 2,660 |
Noncurrent loans to loans | 0.1655% | 2,769 |
Net loans and leases to total assets | 80.4300% | 497 |
Net loans and leases to deposits | 102.1039% | 299 |
Net loans and leases to core deposits | 104.2635% | 642 |
Total domestic deposits to total assets | 78.7700% | 4,196 |
Equity capital to assets | 10.3943% | 1,422 |
Core capital (leverage) ratio | 10.9602% | 1,768 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.9760% | 2,482 |
Memoranda: | ||
Average total assets | $2,168,530,500 | 511 |
Average earning assets | $2,060,012,500 | 497 |
Average equity | $229,479,500 | 470 |
Average total loans | $1,721,760,000 | 422 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7503% | 1,421 |
Cost of funding earning assets | 0.2559% | 2,183 |
Net interest margin | 3.4944% | 1,328 |
Noninterest income to average assets | 0.7166% | 1,268 |
Noninterest expense to average assets | 2.0025% | 3,423 |
Loan and lease loss provision to assets | -0.0596% | 4,536 |
Net operating income to assets | 1.7045% | 426 |
Return on assets (ROA) | 1.7076% | 415 |
Pretax return on assets | 2.1059% | 291 |
Return on Equity (ROE) | 16.0391% | 693 |
Retained earnings to average equity (ytd only) | 7.3198% | 1,875 |
Net charge-offs to loans | 0.0546% | 841 |
Credit loss provision to net charge-offs | -56.4935% | 3,052 |
Earnings coverage of net charge-offs (x) | 47.6234% | 1,180 |
Efficiency ratio | 49.5066% | 4,280 |
Assets per employee ($millions) | 8.5599% | 1,042 |
Cash dividends to net income (ytd only)* | 54.3626% | 1,223 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6824% | 988 |
Loan loss allowance to noncurrent loans | 1,217.7010% | 801 |
Noncurrent assets plus other real estate owned to assets | 0.1131% | 2,915 |
Noncurrent loans to loans | 0.1382% | 3,016 |
Net loans and leases to total assets | 80.4849% | 370 |
Net loans and leases to deposits | 95.5812% | 449 |
Net loans and leases to core deposits | 96.2751% | 818 |
Total domestic deposits to total assets | 84.2058% | 3,644 |
Equity capital to assets | 10.6545% | 1,370 |
Core capital (leverage) ratio | 10.7356% | 1,774 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.7315% | 2,190 |
Memoranda: | ||
Average total assets | $2,154,471,000 | 511 |
Average earning assets | $2,052,105,333 | 501 |
Average equity | $229,377,000 | 475 |
Average total loans | $1,693,421,333 | 418 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5175% | 1,751 |
Cost of funding earning assets | 0.1817% | 3,066 |
Net interest margin | 3.3358% | 1,481 |
Noninterest income to average assets | 0.7780% | 1,094 |
Noninterest expense to average assets | 1.9332% | 3,599 |
Loan and lease loss provision to assets | -0.2320% | 4,708 |
Net operating income to assets | 1.8338% | 305 |
Return on assets (ROA) | 1.8376% | 308 |
Pretax return on assets | 2.2723% | 237 |
Return on Equity (ROE) | 17.2659% | 392 |
Retained earnings to average equity (ytd only) | 17.2659% | 166 |
Net charge-offs to loans | 0.0570% | 736 |
Credit loss provision to net charge-offs | -501.2605% | 3,146 |
Earnings coverage of net charge-offs (x) | 46.4076% | 949 |
Efficiency ratio | 48.7090% | 4,366 |
Assets per employee ($millions) | 9.5060% | 774 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6859% | 1,075 |
Loan loss allowance to noncurrent loans | 1,145.2830% | 826 |
Noncurrent assets plus other real estate owned to assets | 0.1134% | 3,019 |
Noncurrent loans to loans | 0.1472% | 3,071 |
Net loans and leases to total assets | 75.7636% | 522 |
Net loans and leases to deposits | 86.1597% | 727 |
Net loans and leases to core deposits | 86.8567% | 1,086 |
Total domestic deposits to total assets | 87.9339% | 2,551 |
Equity capital to assets | 10.5989% | 1,546 |
Core capital (leverage) ratio | 10.8096% | 1,620 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.4181% | 2,437 |
Memoranda: | ||
Average total assets | $2,170,280,500 | 514 |
Average earning assets | $2,076,020,500 | 501 |
Average equity | $230,976,000 | 483 |
Average total loans | $1,671,226,000 | 423 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4788% | 2,724 |
Cost of funding earning assets | 0.1979% | 3,491 |
Net interest margin | 3.2810% | 2,360 |
Noninterest income to average assets | 0.8512% | 1,320 |
Noninterest expense to average assets | 1.8933% | 3,936 |
Loan and lease loss provision to assets | 0.0717% | 1,660 |
Net operating income to assets | 1.6336% | 733 |
Return on assets (ROA) | 1.6341% | 771 |
Pretax return on assets | 2.0136% | 588 |
Return on Equity (ROE) | 16.3745% | 695 |
Retained earnings to average equity (ytd only) | 16.3745% | 152 |
Net charge-offs to loans | 0.1093% | 807 |
Credit loss provision to net charge-offs | 108.9920% | 1,714 |
Earnings coverage of net charge-offs (x) | 25.2904% | 1,725 |
Efficiency ratio | 47.5962% | 4,430 |
Assets per employee ($millions) | 9.4897% | 788 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8155% | 838 |
Loan loss allowance to noncurrent loans | 1,228.3723% | 755 |
Noncurrent assets plus other real estate owned to assets | 0.1137% | 3,136 |
Noncurrent loans to loans | 0.1478% | 3,199 |
Net loans and leases to total assets | 75.5490% | 543 |
Net loans and leases to deposits | 87.6149% | 672 |
Net loans and leases to core deposits | 88.3993% | 1,052 |
Total domestic deposits to total assets | 86.2285% | 2,827 |
Equity capital to assets | 10.6875% | 2,021 |
Core capital (leverage) ratio | 10.4458% | 1,956 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.2859% | 2,535 |
Memoranda: | ||
Average total assets | $2,118,294,200 | 506 |
Average earning assets | $2,018,671,200 | 492 |
Average equity | $211,402,000 | 514 |
Average total loans | $1,597,795,800 | 445 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4346% | 3,000 |
Cost of funding earning assets | 0.1975% | 3,628 |
Net interest margin | 3.2371% | 2,618 |
Noninterest income to average assets | 0.8439% | 1,399 |
Noninterest expense to average assets | 1.8664% | 4,017 |
Loan and lease loss provision to assets | 0.1576% | 699 |
Net operating income to assets | 1.5493% | 1,148 |
Return on assets (ROA) | 1.5499% | 1,192 |
Pretax return on assets | 1.9018% | 946 |
Return on Equity (ROE) | 15.8147% | 988 |
Retained earnings to average equity (ytd only) | 15.8147% | 312 |
Net charge-offs to loans | 0.1318% | 612 |
Credit loss provision to net charge-offs | 164.0077% | 1,304 |
Earnings coverage of net charge-offs (x) | 20.8073% | 1,719 |
Efficiency ratio | 47.5517% | 4,401 |
Assets per employee ($millions) | 9.1268% | 856 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8828% | 797 |
Loan loss allowance to noncurrent loans | 1,162.4906% | 718 |
Noncurrent assets plus other real estate owned to assets | 0.1257% | 3,277 |
Noncurrent loans to loans | 0.1620% | 3,311 |
Net loans and leases to total assets | 76.1456% | 541 |
Net loans and leases to deposits | 89.2876% | 639 |
Net loans and leases to core deposits | 90.3417% | 1,011 |
Total domestic deposits to total assets | 85.2813% | 3,020 |
Equity capital to assets | 10.3933% | 2,536 |
Core capital (leverage) ratio | 10.3323% | 2,197 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.0722% | 2,685 |
Memoranda: | ||
Average total assets | $2,111,701,000 | 505 |
Average earning assets | $2,009,976,750 | 494 |
Average equity | $206,949,500 | 525 |
Average total loans | $1,584,686,250 | 452 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3797% | 3,231 |
Cost of funding earning assets | 0.1999% | 3,747 |
Net interest margin | 3.1798% | 2,812 |
Noninterest income to average assets | 0.8565% | 1,384 |
Noninterest expense to average assets | 1.8360% | 4,105 |
Loan and lease loss provision to assets | 0.2128% | 511 |
Net operating income to assets | 1.4990% | 1,295 |
Return on assets (ROA) | 1.4997% | 1,356 |
Pretax return on assets | 1.8318% | 1,162 |
Return on Equity (ROE) | 15.6171% | 1,036 |
Retained earnings to average equity (ytd only) | 15.6171% | 369 |
Net charge-offs to loans | 0.1753% | 480 |
Credit loss provision to net charge-offs | 128.6026% | 1,221 |
Earnings coverage of net charge-offs (x) | 15.7132% | 1,626 |
Efficiency ratio | 47.3235% | 4,439 |
Assets per employee ($millions) | 9.1410% | 820 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9139% | 715 |
Loan loss allowance to noncurrent loans | 748.1665% | 923 |
Noncurrent assets plus other real estate owned to assets | 0.1954% | 2,978 |
Noncurrent loans to loans | 0.2558% | 3,021 |
Net loans and leases to total assets | 74.9076% | 686 |
Net loans and leases to deposits | 85.4599% | 948 |
Net loans and leases to core deposits | 86.5137% | 1,380 |
Total domestic deposits to total assets | 87.6524% | 2,015 |
Equity capital to assets | 10.2267% | 2,640 |
Core capital (leverage) ratio | 9.7453% | 2,655 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 13.1517% | 2,665 |
Memoranda: | ||
Average total assets | $2,112,841,000 | 498 |
Average earning assets | $2,008,794,333 | 487 |
Average equity | $202,892,667 | 528 |
Average total loans | $1,567,525,000 | 460 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3160% | 3,407 |
Cost of funding earning assets | 0.2013% | 3,903 |
Net interest margin | 3.1147% | 2,943 |
Noninterest income to average assets | 0.8398% | 1,489 |
Noninterest expense to average assets | 1.7787% | 4,253 |
Loan and lease loss provision to assets | 0.3954% | 197 |
Net operating income to assets | 1.3398% | 1,708 |
Return on assets (ROA) | 1.3414% | 1,791 |
Pretax return on assets | 1.6232% | 1,665 |
Return on Equity (ROE) | 14.4215% | 1,344 |
Retained earnings to average equity (ytd only) | 14.4215% | 706 |
Net charge-offs to loans | 0.1359% | 552 |
Credit loss provision to net charge-offs | 330.1318% | 724 |
Earnings coverage of net charge-offs (x) | 20.2844% | 1,250 |
Efficiency ratio | 46.8650% | 4,416 |
Assets per employee ($millions) | 9.4058% | 719 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9785% | 622 |
Loan loss allowance to noncurrent loans | 657.3093% | 945 |
Noncurrent assets plus other real estate owned to assets | 0.2240% | 3,030 |
Noncurrent loans to loans | 0.3010% | 3,018 |
Net loans and leases to total assets | 72.9558% | 902 |
Net loans and leases to deposits | 83.4694% | 1,200 |
Net loans and leases to core deposits | 84.5208% | 1,634 |
Total domestic deposits to total assets | 87.4042% | 2,136 |
Equity capital to assets | 9.5453% | 3,154 |
Core capital (leverage) ratio | 9.1702% | 3,427 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.6839% | 2,769 |
Memoranda: | ||
Average total assets | $2,136,332,500 | 488 |
Average earning assets | $2,027,279,500 | 476 |
Average equity | $198,704,000 | 531 |
Average total loans | $1,562,447,000 | 464 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7809% | 3,356 |
Cost of funding earning assets | 0.3981% | 3,594 |
Net interest margin | 3.3828% | 2,825 |
Noninterest income to average assets | 1.0657% | 937 |
Noninterest expense to average assets | 1.9091% | 4,308 |
Loan and lease loss provision to assets | 1.0782% | 79 |
Net operating income to assets | 1.0325% | 2,168 |
Return on assets (ROA) | 1.0754% | 2,148 |
Pretax return on assets | 1.2914% | 2,006 |
Return on Equity (ROE) | 11.7104% | 1,406 |
Retained earnings to average equity (ytd only) | 11.7104% | 353 |
Net charge-offs to loans | 0.3381% | 520 |
Credit loss provision to net charge-offs | 439.7152% | 1,351 |
Earnings coverage of net charge-offs (x) | 9.4527% | 2,521 |
Efficiency ratio | 45.1657% | 4,749 |
Assets per employee ($millions) | 9.9347% | 544 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9537% | 642 |
Loan loss allowance to noncurrent loans | 677.5451% | 913 |
Noncurrent assets plus other real estate owned to assets | 0.2073% | 3,253 |
Noncurrent loans to loans | 0.2884% | 3,167 |
Net loans and leases to total assets | 70.4761% | 1,497 |
Net loans and leases to deposits | 81.7699% | 1,681 |
Net loans and leases to core deposits | 83.4102% | 2,086 |
Total domestic deposits to total assets | 86.1884% | 2,280 |
Equity capital to assets | 9.0637% | 4,003 |
Core capital (leverage) ratio | 8.4792% | 4,224 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.2428% | 2,854 |
Memoranda: | ||
Average total assets | $2,004,481,000 | 476 |
Average earning assets | $1,873,167,400 | 469 |
Average equity | $184,075,800 | 549 |
Average total loans | $1,453,622,800 | 461 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8700% | 3,356 |
Cost of funding earning assets | 0.4589% | 3,476 |
Net interest margin | 3.4111% | 2,886 |
Noninterest income to average assets | 0.8938% | 1,241 |
Noninterest expense to average assets | 1.8346% | 4,432 |
Loan and lease loss provision to assets | 1.2615% | 83 |
Net operating income to assets | 0.8221% | 3,011 |
Return on assets (ROA) | 0.8821% | 2,895 |
Pretax return on assets | 1.0403% | 2,937 |
Return on Equity (ROE) | 9.5707% | 2,179 |
Retained earnings to average equity (ytd only) | 9.5707% | 852 |
Net charge-offs to loans | 0.3166% | 501 |
Credit loss provision to net charge-offs | 548.0094% | 1,220 |
Earnings coverage of net charge-offs (x) | 9.6930% | 2,410 |
Efficiency ratio | 45.1223% | 4,750 |
Assets per employee ($millions) | 10.3883% | 444 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8570% | 639 |
Loan loss allowance to noncurrent loans | 566.6405% | 953 |
Noncurrent assets plus other real estate owned to assets | 0.2342% | 3,269 |
Noncurrent loans to loans | 0.3277% | 3,109 |
Net loans and leases to total assets | 68.7282% | 2,148 |
Net loans and leases to deposits | 78.1384% | 2,521 |
Net loans and leases to core deposits | 80.5501% | 2,796 |
Total domestic deposits to total assets | 87.9571% | 1,234 |
Equity capital to assets | 8.4164% | 4,510 |
Core capital (leverage) ratio | 7.8502% | 4,767 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.1273% | 2,890 |
Memoranda: | ||
Average total assets | $1,964,160,250 | 475 |
Average earning assets | $1,826,475,250 | 471 |
Average equity | $181,020,250 | 547 |
Average total loans | $1,427,838,000 | 462 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0408% | 3,222 |
Cost of funding earning assets | 0.5733% | 3,117 |
Net interest margin | 3.4676% | 2,896 |
Noninterest income to average assets | 0.9708% | 1,033 |
Noninterest expense to average assets | 1.7964% | 4,561 |
Loan and lease loss provision to assets | 1.1419% | 156 |
Net operating income to assets | 1.0286% | 2,224 |
Return on assets (ROA) | 1.0355% | 2,337 |
Pretax return on assets | 1.2439% | 2,203 |
Return on Equity (ROE) | 10.8641% | 1,678 |
Retained earnings to average equity (ytd only) | 10.8641% | 626 |
Net charge-offs to loans | 0.2958% | 536 |
Credit loss provision to net charge-offs | 523.5352% | 1,192 |
Earnings coverage of net charge-offs (x) | 10.8999% | 2,124 |
Efficiency ratio | 43.0390% | 4,833 |
Assets per employee ($millions) | 9.2650% | 633 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5069% | 1,239 |
Loan loss allowance to noncurrent loans | 346.1431% | 1,388 |
Noncurrent assets plus other real estate owned to assets | 0.3311% | 2,982 |
Noncurrent loans to loans | 0.4353% | 2,860 |
Net loans and leases to total assets | 73.1334% | 1,540 |
Net loans and leases to deposits | 85.6894% | 1,801 |
Net loans and leases to core deposits | 88.7428% | 2,177 |
Total domestic deposits to total assets | 85.3471% | 2,256 |
Equity capital to assets | 9.2072% | 3,917 |
Core capital (leverage) ratio | 7.5719% | 4,894 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.3999% | 2,857 |
Memoranda: | ||
Average total assets | $1,877,851,667 | 486 |
Average earning assets | $1,734,639,000 | 488 |
Average equity | $178,992,667 | 549 |
Average total loans | $1,384,851,333 | 465 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2210% | 3,145 |
Cost of funding earning assets | 0.7534% | 2,652 |
Net interest margin | 3.4676% | 3,090 |
Noninterest income to average assets | 0.9616% | 931 |
Noninterest expense to average assets | 1.8908% | 4,555 |
Loan and lease loss provision to assets | 0.7010% | 377 |
Net operating income to assets | 1.2593% | 1,353 |
Return on assets (ROA) | 1.2607% | 1,447 |
Pretax return on assets | 1.5485% | 1,189 |
Return on Equity (ROE) | 12.9826% | 890 |
Retained earnings to average equity (ytd only) | 12.9826% | 325 |
Net charge-offs to loans | 0.3513% | 404 |
Credit loss provision to net charge-offs | 271.5870% | 1,243 |
Earnings coverage of net charge-offs (x) | 8.7082% | 1,857 |
Efficiency ratio | 45.6868% | 4,840 |
Assets per employee ($millions) | 9.2361% | 494 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1748% | 2,804 |
Loan loss allowance to noncurrent loans | 253.8164% | 1,746 |
Noncurrent assets plus other real estate owned to assets | 0.4919% | 2,519 |
Noncurrent loans to loans | 0.4628% | 2,863 |
Net loans and leases to total assets | 68.5469% | 2,462 |
Net loans and leases to deposits | 78.8132% | 2,796 |
Net loans and leases to core deposits | 83.8719% | 2,864 |
Total domestic deposits to total assets | 86.9740% | 1,564 |
Equity capital to assets | 9.2870% | 4,405 |
Core capital (leverage) ratio | 10.0744% | 3,372 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 12.0280% | 3,090 |
Memoranda: | ||
Average total assets | $1,816,155,000 | 485 |
Average earning assets | $1,663,970,000 | 489 |
Average equity | $176,359,500 | 555 |
Average total loans | $1,334,291,500 | 468 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4705% | 3,039 |
Cost of funding earning assets | 1.1317% | 1,222 |
Net interest margin | 3.3387% | 3,894 |
Noninterest income to average assets | 0.9346% | 1,107 |
Noninterest expense to average assets | 2.2558% | 4,052 |
Loan and lease loss provision to assets | 0.2058% | 980 |
Net operating income to assets | 1.2943% | 1,714 |
Return on assets (ROA) | 1.2952% | 1,785 |
Pretax return on assets | 1.5960% | 1,494 |
Return on Equity (ROE) | 13.3396% | 1,062 |
Retained earnings to average equity (ytd only) | 13.3396% | 149 |
Net charge-offs to loans | 0.2510% | 824 |
Credit loss provision to net charge-offs | 107.4491% | 2,312 |
Earnings coverage of net charge-offs (x) | 9.4028% | 2,666 |
Efficiency ratio | 55.6091% | 4,254 |
Assets per employee ($millions) | 8.0282% | 705 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0317% | 3,312 |
Loan loss allowance to noncurrent loans | 214.2433% | 1,976 |
Noncurrent assets plus other real estate owned to assets | 0.5779% | 2,158 |
Noncurrent loans to loans | 0.4815% | 2,743 |
Net loans and leases to total assets | 77.3190% | 1,199 |
Net loans and leases to deposits | 90.2206% | 1,565 |
Net loans and leases to core deposits | 92.8205% | 2,174 |
Total domestic deposits to total assets | 85.7000% | 2,194 |
Equity capital to assets | 10.1911% | 3,739 |
Core capital (leverage) ratio | 9.9381% | 3,583 |
Tier 1 risk-based capital ratio | 10.9447% | 4,876 |
Total risk-based capital ratio | 11.8271% | 4,921 |
Memoranda: | ||
Average total assets | $1,668,296,000 | 511 |
Average earning assets | $1,559,986,000 | 495 |
Average equity | $161,976,400 | 576 |
Average total loans | $1,273,012,600 | 475 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4851% | 3,105 |
Cost of funding earning assets | 1.2107% | 1,012 |
Net interest margin | 3.2744% | 4,139 |
Noninterest income to average assets | 0.9443% | 1,053 |
Noninterest expense to average assets | 2.2387% | 4,098 |
Loan and lease loss provision to assets | 0.2362% | 712 |
Net operating income to assets | 1.2429% | 2,040 |
Return on assets (ROA) | 1.2425% | 2,121 |
Pretax return on assets | 1.5307% | 1,869 |
Return on Equity (ROE) | 12.9619% | 1,291 |
Retained earnings to average equity (ytd only) | 12.9619% | 284 |
Net charge-offs to loans | 0.2738% | 640 |
Credit loss provision to net charge-offs | 113.7718% | 2,039 |
Earnings coverage of net charge-offs (x) | 8.5122% | 2,647 |
Efficiency ratio | 55.8817% | 4,178 |
Assets per employee ($millions) | 7.4903% | 842 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0724% | 3,162 |
Loan loss allowance to noncurrent loans | 202.2807% | 2,076 |
Noncurrent assets plus other real estate owned to assets | 0.6259% | 2,126 |
Noncurrent loans to loans | 0.5302% | 2,695 |
Net loans and leases to total assets | 76.7577% | 1,352 |
Net loans and leases to deposits | 93.0479% | 1,317 |
Net loans and leases to core deposits | 96.0967% | 1,982 |
Total domestic deposits to total assets | 82.4927% | 3,320 |
Equity capital to assets | 10.1220% | 3,888 |
Core capital (leverage) ratio | 9.8491% | 3,786 |
Tier 1 risk-based capital ratio | 10.8120% | 4,983 |
Total risk-based capital ratio | 11.7242% | 5,007 |
Memoranda: | ||
Average total assets | $1,659,876,750 | 515 |
Average earning assets | $1,552,161,750 | 497 |
Average equity | $159,108,250 | 589 |
Average total loans | $1,258,849,000 | 481 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4433% | 3,202 |
Cost of funding earning assets | 1.2549% | 856 |
Net interest margin | 3.1884% | 4,390 |
Noninterest income to average assets | 0.9534% | 967 |
Noninterest expense to average assets | 2.2279% | 4,178 |
Loan and lease loss provision to assets | 0.2403% | 649 |
Net operating income to assets | 1.1950% | 2,166 |
Return on assets (ROA) | 1.1963% | 2,224 |
Pretax return on assets | 1.4734% | 1,943 |
Return on Equity (ROE) | 12.7185% | 1,330 |
Retained earnings to average equity (ytd only) | 12.7185% | 328 |
Net charge-offs to loans | 0.3215% | 528 |
Credit loss provision to net charge-offs | 99.3024% | 2,016 |
Earnings coverage of net charge-offs (x) | 7.0752% | 2,519 |
Efficiency ratio | 56.5470% | 4,184 |
Assets per employee ($millions) | 7.2990% | 886 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0575% | 3,296 |
Loan loss allowance to noncurrent loans | 184.2890% | 2,279 |
Noncurrent assets plus other real estate owned to assets | 0.7919% | 1,766 |
Noncurrent loans to loans | 0.5738% | 2,537 |
Net loans and leases to total assets | 76.0429% | 1,541 |
Net loans and leases to deposits | 87.8329% | 2,025 |
Net loans and leases to core deposits | 91.5189% | 2,462 |
Total domestic deposits to total assets | 86.5768% | 1,783 |
Equity capital to assets | 9.7924% | 4,144 |
Core capital (leverage) ratio | 9.3872% | 4,265 |
Tier 1 risk-based capital ratio | 10.6236% | 5,063 |
Total risk-based capital ratio | 11.5264% | 5,103 |
Memoranda: | ||
Average total assets | $1,658,888,670 | 512 |
Average earning assets | $1,553,807,670 | 494 |
Average equity | $156,040,000 | 595 |
Average total loans | $1,248,400,330 | 483 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3613% | 3,368 |
Cost of funding earning assets | 1.2383% | 799 |
Net interest margin | 3.1230% | 4,548 |
Noninterest income to average assets | 0.9311% | 968 |
Noninterest expense to average assets | 2.1847% | 4,295 |
Loan and lease loss provision to assets | 0.2458% | 595 |
Net operating income to assets | 1.1664% | 2,194 |
Return on assets (ROA) | 1.1675% | 2,239 |
Pretax return on assets | 1.4273% | 1,994 |
Return on Equity (ROE) | 12.6720% | 1,330 |
Retained earnings to average equity (ytd only) | 12.6720% | 516 |
Net charge-offs to loans | 0.3275% | 466 |
Credit loss provision to net charge-offs | 100.7905% | 1,563 |
Earnings coverage of net charge-offs (x) | 6.8547% | 2,169 |
Efficiency ratio | 56.6519% | 4,256 |
Assets per employee ($millions) | 7.4319% | 843 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0890% | 3,186 |
Loan loss allowance to noncurrent loans | 157.9508% | 2,578 |
Noncurrent assets plus other real estate owned to assets | 0.8678% | 1,633 |
Noncurrent loans to loans | 0.6894% | 2,296 |
Net loans and leases to total assets | 72.9449% | 1,997 |
Net loans and leases to deposits | 83.9070% | 2,399 |
Net loans and leases to core deposits | 91.6061% | 2,337 |
Total domestic deposits to total assets | 86.9354% | 1,848 |
Equity capital to assets | 9.2800% | 4,450 |
Core capital (leverage) ratio | 9.2087% | 4,462 |
Tier 1 risk-based capital ratio | 10.6574% | 5,130 |
Total risk-based capital ratio | 11.5947% | 5,142 |
Memoranda: | ||
Average total assets | $1,659,896,500 | 514 |
Average earning assets | $1,554,774,500 | 497 |
Average equity | $152,936,000 | 602 |
Average total loans | $1,235,900,500 | 489 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2364% | 3,332 |
Cost of funding earning assets | 0.9314% | 992 |
Net interest margin | 3.3050% | 4,243 |
Noninterest income to average assets | 0.8798% | 1,228 |
Noninterest expense to average assets | 2.1086% | 4,541 |
Loan and lease loss provision to assets | 0.2332% | 763 |
Net operating income to assets | 1.2989% | 1,806 |
Return on assets (ROA) | 1.2983% | 1,797 |
Pretax return on assets | 1.6114% | 1,432 |
Return on Equity (ROE) | 13.8439% | 1,083 |
Retained earnings to average equity (ytd only) | 0.7131% | 4,797 |
Net charge-offs to loans | 0.2418% | 807 |
Credit loss provision to net charge-offs | 129.4427% | 2,040 |
Earnings coverage of net charge-offs (x) | 10.2429% | 2,742 |
Efficiency ratio | 53.3283% | 4,678 |
Assets per employee ($millions) | 7.1938% | 904 |
Cash dividends to net income (ytd only)* | 94.8490% | 353 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0932% | 3,153 |
Loan loss allowance to noncurrent loans | 142.2541% | 2,803 |
Noncurrent assets plus other real estate owned to assets | 0.9500% | 1,442 |
Noncurrent loans to loans | 0.7685% | 2,081 |
Net loans and leases to total assets | 74.3601% | 1,874 |
Net loans and leases to deposits | 93.2375% | 1,371 |
Net loans and leases to core deposits | 105.7755% | 1,285 |
Total domestic deposits to total assets | 79.7535% | 4,158 |
Equity capital to assets | 9.1456% | 4,454 |
Core capital (leverage) ratio | 9.0369% | 4,617 |
Tier 1 risk-based capital ratio | 10.4322% | 5,209 |
Total risk-based capital ratio | 11.3790% | 5,215 |
Memoranda: | ||
Average total assets | $1,583,572,600 | 521 |
Average earning assets | $1,472,988,800 | 510 |
Average equity | $148,506,200 | 580 |
Average total loans | $1,180,049,600 | 491 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1836% | 3,373 |
Cost of funding earning assets | 0.8325% | 1,184 |
Net interest margin | 3.3512% | 4,155 |
Noninterest income to average assets | 0.9051% | 1,184 |
Noninterest expense to average assets | 2.1396% | 4,454 |
Loan and lease loss provision to assets | 0.2365% | 680 |
Net operating income to assets | 1.3231% | 1,768 |
Return on assets (ROA) | 1.3219% | 1,780 |
Pretax return on assets | 1.6392% | 1,448 |
Return on Equity (ROE) | 14.0052% | 1,119 |
Retained earnings to average equity (ytd only) | 0.0540% | 5,026 |
Net charge-offs to loans | 0.2457% | 695 |
Credit loss provision to net charge-offs | 129.4884% | 1,901 |
Earnings coverage of net charge-offs (x) | 10.2777% | 2,597 |
Efficiency ratio | 53.2655% | 4,680 |
Assets per employee ($millions) | 6.9620% | 948 |
Cash dividends to net income (ytd only)* | 99.6144% | 267 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1104% | 3,135 |
Loan loss allowance to noncurrent loans | 148.9285% | 2,769 |
Noncurrent assets plus other real estate owned to assets | 1.0635% | 1,354 |
Noncurrent loans to loans | 0.7456% | 2,225 |
Net loans and leases to total assets | 74.1460% | 1,959 |
Net loans and leases to deposits | 91.7508% | 1,654 |
Net loans and leases to core deposits | 100.1600% | 1,778 |
Total domestic deposits to total assets | 80.8124% | 3,913 |
Equity capital to assets | 9.2719% | 4,306 |
Core capital (leverage) ratio | 9.3232% | 4,370 |
Tier 1 risk-based capital ratio | 10.7546% | 5,150 |
Total risk-based capital ratio | 11.7222% | 5,164 |
Memoranda: | ||
Average total assets | $1,569,421,750 | 519 |
Average earning assets | $1,457,292,000 | 510 |
Average equity | $148,131,750 | 576 |
Average total loans | $1,166,782,750 | 492 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1139% | 3,404 |
Cost of funding earning assets | 0.7419% | 1,420 |
Net interest margin | 3.3720% | 4,041 |
Noninterest income to average assets | 0.9137% | 1,144 |
Noninterest expense to average assets | 2.1159% | 4,564 |
Loan and lease loss provision to assets | 0.3043% | 458 |
Net operating income to assets | 1.3063% | 1,746 |
Return on assets (ROA) | 1.3050% | 1,748 |
Pretax return on assets | 1.6191% | 1,444 |
Return on Equity (ROE) | 13.7430% | 1,146 |
Retained earnings to average equity (ytd only) | -3.1221% | 5,219 |
Net charge-offs to loans | 0.2924% | 546 |
Credit loss provision to net charge-offs | 140.3664% | 1,644 |
Earnings coverage of net charge-offs (x) | 8.8806% | 2,439 |
Efficiency ratio | 52.3619% | 4,851 |
Assets per employee ($millions) | 7.0831% | 889 |
Cash dividends to net income (ytd only)* | 122.7175% | 223 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1244% | 3,124 |
Loan loss allowance to noncurrent loans | 246.1752% | 1,924 |
Noncurrent assets plus other real estate owned to assets | 0.8547% | 1,746 |
Noncurrent loans to loans | 0.4568% | 3,070 |
Net loans and leases to total assets | 74.1706% | 1,922 |
Net loans and leases to deposits | 91.2593% | 1,675 |
Net loans and leases to core deposits | 96.1425% | 2,049 |
Total domestic deposits to total assets | 81.2746% | 3,926 |
Equity capital to assets | 9.2347% | 4,348 |
Core capital (leverage) ratio | 9.1881% | 4,476 |
Tier 1 risk-based capital ratio | 10.6931% | 5,194 |
Total risk-based capital ratio | 11.6745% | 5,208 |
Memoranda: | ||
Average total assets | $1,561,130,670 | 521 |
Average earning assets | $1,447,813,670 | 513 |
Average equity | $148,235,330 | 569 |
Average total loans | $1,157,250,330 | 493 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0114% | 3,565 |
Cost of funding earning assets | 0.6457% | 1,743 |
Net interest margin | 3.3657% | 4,010 |
Noninterest income to average assets | 0.9256% | 1,083 |
Noninterest expense to average assets | 2.1130% | 4,631 |
Loan and lease loss provision to assets | 0.2887% | 460 |
Net operating income to assets | 1.3289% | 1,545 |
Return on assets (ROA) | 1.3266% | 1,562 |
Pretax return on assets | 1.6449% | 1,258 |
Return on Equity (ROE) | 13.7786% | 1,062 |
Retained earnings to average equity (ytd only) | 0.3935% | 4,746 |
Net charge-offs to loans | 0.1340% | 1,002 |
Credit loss provision to net charge-offs | 292.4282% | 836 |
Earnings coverage of net charge-offs (x) | 19.6162% | 1,495 |
Efficiency ratio | 52.1800% | 4,952 |
Assets per employee ($millions) | 7.3166% | 841 |
Cash dividends to net income (ytd only)* | 97.1440% | 605 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1632% | 3,019 |
Loan loss allowance to noncurrent loans | 205.8154% | 2,194 |
Noncurrent assets plus other real estate owned to assets | 0.9450% | 1,672 |
Noncurrent loans to loans | 0.5652% | 2,846 |
Net loans and leases to total assets | 73.6328% | 1,920 |
Net loans and leases to deposits | 87.3067% | 2,013 |
Net loans and leases to core deposits | 110.0909% | 1,005 |
Total domestic deposits to total assets | 84.3381% | 3,174 |
Equity capital to assets | 9.6469% | 3,946 |
Core capital (leverage) ratio | 9.6258% | 3,931 |
Tier 1 risk-based capital ratio | 11.2961% | 4,980 |
Total risk-based capital ratio | 12.3198% | 4,997 |
Memoranda: | ||
Average total assets | $1,551,925,000 | 530 |
Average earning assets | $1,440,407,500 | 520 |
Average equity | $149,420,000 | 564 |
Average total loans | $1,143,436,000 | 504 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8750% | 3,801 |
Cost of funding earning assets | 0.4614% | 2,677 |
Net interest margin | 3.4137% | 3,804 |
Noninterest income to average assets | 0.8395% | 1,441 |
Noninterest expense to average assets | 2.1434% | 4,670 |
Loan and lease loss provision to assets | 0.2663% | 679 |
Net operating income to assets | 1.6208% | 628 |
Return on assets (ROA) | 1.6208% | 643 |
Pretax return on assets | 1.5911% | 1,317 |
Return on Equity (ROE) | 17.0800% | 390 |
Retained earnings to average equity (ytd only) | 12.7730% | 143 |
Net charge-offs to loans | 0.4450% | 542 |
Credit loss provision to net charge-offs | 82.5554% | 2,906 |
Earnings coverage of net charge-offs (x) | 5.7584% | 3,274 |
Efficiency ratio | 53.5748% | 4,981 |
Assets per employee ($millions) | 7.3242% | 835 |
Cash dividends to net income (ytd only)* | 25.2164% | 3,487 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1119% | 3,282 |
Loan loss allowance to noncurrent loans | 224.4717% | 2,095 |
Noncurrent assets plus other real estate owned to assets | 0.8851% | 1,759 |
Noncurrent loans to loans | 0.4954% | 3,040 |
Net loans and leases to total assets | 72.0561% | 2,225 |
Net loans and leases to deposits | 88.3648% | 1,975 |
Net loans and leases to core deposits | 111.0305% | 948 |
Total domestic deposits to total assets | 81.5439% | 3,987 |
Equity capital to assets | 9.6094% | 4,133 |
Core capital (leverage) ratio | 9.5167% | 4,023 |
Tier 1 risk-based capital ratio | 11.3756% | 4,935 |
Total risk-based capital ratio | 12.3507% | 4,970 |
Memoranda: | ||
Average total assets | $1,468,023,600 | 531 |
Average earning assets | $1,359,445,200 | 517 |
Average equity | $139,309,400 | 585 |
Average total loans | $1,064,005,200 | 507 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8458% | 3,848 |
Cost of funding earning assets | 0.4173% | 3,015 |
Net interest margin | 3.4285% | 3,745 |
Noninterest income to average assets | 0.8385% | 1,452 |
Noninterest expense to average assets | 2.1370% | 4,658 |
Loan and lease loss provision to assets | 0.2422% | 726 |
Net operating income to assets | 1.1914% | 1,731 |
Return on assets (ROA) | 1.1914% | 1,765 |
Pretax return on assets | 1.6317% | 1,307 |
Return on Equity (ROE) | 12.5975% | 1,150 |
Retained earnings to average equity (ytd only) | 8.6949% | 948 |
Net charge-offs to loans | 0.2434% | 881 |
Credit loss provision to net charge-offs | 137.5065% | 1,796 |
Earnings coverage of net charge-offs (x) | 10.6386% | 2,577 |
Efficiency ratio | 53.2804% | 4,989 |
Assets per employee ($millions) | 7.2759% | 836 |
Cash dividends to net income (ytd only)* | 30.9789% | 2,709 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2754% | 2,483 |
Loan loss allowance to noncurrent loans | 96.2144% | 3,595 |
Noncurrent assets plus other real estate owned to assets | 1.0165% | 1,663 |
Noncurrent loans to loans | 1.3256% | 1,436 |
Net loans and leases to total assets | 74.3250% | 1,869 |
Net loans and leases to deposits | 94.2440% | 1,273 |
Net loans and leases to core deposits | 119.8400% | 592 |
Total domestic deposits to total assets | 78.8645% | 4,557 |
Equity capital to assets | 9.5670% | 4,377 |
Core capital (leverage) ratio | 9.4005% | 4,291 |
Tier 1 risk-based capital ratio | 11.1104% | 5,181 |
Total risk-based capital ratio | 12.2484% | 5,139 |
Memoranda: | ||
Average total assets | $1,445,016,250 | 537 |
Average earning assets | $1,337,083,500 | 531 |
Average equity | $136,659,000 | 600 |
Average total loans | $1,045,818,250 | 514 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7963% | 3,909 |
Cost of funding earning assets | 0.3640% | 3,439 |
Net interest margin | 3.4323% | 3,662 |
Noninterest income to average assets | 0.8280% | 1,476 |
Noninterest expense to average assets | 2.1472% | 4,681 |
Loan and lease loss provision to assets | 0.2069% | 870 |
Net operating income to assets | 1.1983% | 1,601 |
Return on assets (ROA) | 1.1983% | 1,636 |
Pretax return on assets | 1.6413% | 1,221 |
Return on Equity (ROE) | 12.7215% | 1,106 |
Retained earnings to average equity (ytd only) | 9.0208% | 835 |
Net charge-offs to loans | 0.3067% | 661 |
Credit loss provision to net charge-offs | 94.5223% | 2,097 |
Earnings coverage of net charge-offs (x) | 8.4427% | 2,510 |
Efficiency ratio | 53.7412% | 5,037 |
Assets per employee ($millions) | 6.8316% | 998 |
Cash dividends to net income (ytd only)* | 29.0901% | 2,807 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2796% | 2,513 |
Loan loss allowance to noncurrent loans | 179.8629% | 2,434 |
Noncurrent assets plus other real estate owned to assets | 0.5455% | 2,945 |
Noncurrent loans to loans | 0.7114% | 2,620 |
Net loans and leases to total assets | 72.6436% | 2,101 |
Net loans and leases to deposits | 85.6266% | 2,270 |
Net loans and leases to core deposits | 112.3118% | 891 |
Total domestic deposits to total assets | 84.8376% | 2,875 |
Equity capital to assets | 9.7382% | 4,190 |
Core capital (leverage) ratio | 9.5650% | 4,054 |
Tier 1 risk-based capital ratio | 11.4555% | 4,985 |
Total risk-based capital ratio | 12.5856% | 4,950 |
Memoranda: | ||
Average total assets | $1,434,354,330 | 543 |
Average earning assets | $1,323,673,670 | 536 |
Average equity | $135,110,330 | 608 |
Average total loans | $1,023,769,670 | 530 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6907% | 4,136 |
Cost of funding earning assets | 0.2934% | 4,112 |
Net interest margin | 3.3973% | 3,660 |
Noninterest income to average assets | 0.8219% | 1,479 |
Noninterest expense to average assets | 2.1312% | 4,791 |
Loan and lease loss provision to assets | 0.2581% | 565 |
Net operating income to assets | 1.1492% | 1,671 |
Return on assets (ROA) | 1.1492% | 1,709 |
Pretax return on assets | 1.5694% | 1,313 |
Return on Equity (ROE) | 12.4066% | 1,132 |
Retained earnings to average equity (ytd only) | 9.4099% | 943 |
Net charge-offs to loans | 0.3254% | 567 |
Credit loss provision to net charge-offs | 112.8641% | 1,459 |
Earnings coverage of net charge-offs (x) | 7.9903% | 2,093 |
Efficiency ratio | 53.8354% | 5,143 |
Assets per employee ($millions) | 7.2801% | 826 |
Cash dividends to net income (ytd only)* | 24.1546% | 2,440 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3368% | 2,347 |
Loan loss allowance to noncurrent loans | 157.5941% | 2,730 |
Noncurrent assets plus other real estate owned to assets | 0.6386% | 2,721 |
Noncurrent loans to loans | 0.8483% | 2,338 |
Net loans and leases to total assets | 68.4526% | 2,612 |
Net loans and leases to deposits | 79.4294% | 2,823 |
Net loans and leases to core deposits | 103.0140% | 1,289 |
Total domestic deposits to total assets | 86.1804% | 2,590 |
Equity capital to assets | 9.2324% | 4,583 |
Core capital (leverage) ratio | 9.2461% | 4,417 |
Tier 1 risk-based capital ratio | 11.4351% | 5,073 |
Total risk-based capital ratio | 12.6120% | 5,013 |
Memoranda: | ||
Average total assets | $1,441,045,500 | 541 |
Average earning assets | $1,330,584,500 | 532 |
Average equity | $133,477,000 | 612 |
Average total loans | $1,012,842,000 | 535 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7921% | 3,934 |
Cost of funding earning assets | 0.3025% | 4,039 |
Net interest margin | 3.4896% | 3,474 |
Noninterest income to average assets | 0.8330% | 1,636 |
Noninterest expense to average assets | 2.5755% | 3,760 |
Loan and lease loss provision to assets | 0.2974% | 639 |
Net operating income to assets | 0.8652% | 3,001 |
Return on assets (ROA) | 1.0995% | 1,999 |
Pretax return on assets | 1.4928% | 1,601 |
Return on Equity (ROE) | 11.8500% | 1,291 |
Retained earnings to average equity (ytd only) | 3.0073% | 3,763 |
Net charge-offs to loans | 0.2785% | 988 |
Credit loss provision to net charge-offs | 155.4644% | 1,770 |
Earnings coverage of net charge-offs (x) | 7.7046% | 2,977 |
Efficiency ratio | 63.6063% | 4,010 |
Assets per employee ($millions) | 6.8873% | 964 |
Cash dividends to net income (ytd only)* | 74.6220% | 1,112 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3327% | 2,372 |
Loan loss allowance to noncurrent loans | 150.2064% | 2,808 |
Noncurrent assets plus other real estate owned to assets | 0.6783% | 2,680 |
Noncurrent loans to loans | 0.8872% | 2,327 |
Net loans and leases to total assets | 70.2696% | 2,425 |
Net loans and leases to deposits | 88.5456% | 1,864 |
Net loans and leases to core deposits | 115.9030% | 620 |
Total domestic deposits to total assets | 79.3598% | 4,705 |
Equity capital to assets | 9.2936% | 4,480 |
Core capital (leverage) ratio | 9.1788% | 4,509 |
Tier 1 risk-based capital ratio | 11.1165% | 5,278 |
Total risk-based capital ratio | 12.2722% | 5,225 |
Memoranda: | ||
Average total assets | $1,401,690,200 | 534 |
Average earning assets | $1,291,860,600 | 526 |
Average equity | $130,050,800 | 616 |
Average total loans | $962,567,200 | 526 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7820% | 3,974 |
Cost of funding earning assets | 0.3294% | 3,785 |
Net interest margin | 3.4526% | 3,660 |
Noninterest income to average assets | 0.8479% | 1,582 |
Noninterest expense to average assets | 2.6992% | 3,349 |
Loan and lease loss provision to assets | 0.2966% | 575 |
Net operating income to assets | 0.7637% | 3,538 |
Return on assets (ROA) | 1.0762% | 2,201 |
Pretax return on assets | 1.4607% | 1,853 |
Return on Equity (ROE) | 11.6047% | 1,455 |
Retained earnings to average equity (ytd only) | -0.2263% | 5,401 |
Net charge-offs to loans | 0.3037% | 758 |
Credit loss provision to net charge-offs | 143.6028% | 1,828 |
Earnings coverage of net charge-offs (x) | 6.4628% | 2,999 |
Efficiency ratio | 66.9079% | 3,442 |
Assets per employee ($millions) | 7.0546% | 873 |
Cash dividends to net income (ytd only)* | 101.9504% | 364 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2993% | 2,693 |
Loan loss allowance to noncurrent loans | 151.6072% | 2,766 |
Noncurrent assets plus other real estate owned to assets | 0.6472% | 2,961 |
Noncurrent loans to loans | 0.8570% | 2,542 |
Net loans and leases to total assets | 68.5512% | 2,716 |
Net loans and leases to deposits | 88.4010% | 1,961 |
Net loans and leases to core deposits | 115.7642% | 666 |
Total domestic deposits to total assets | 77.5458% | 4,994 |
Equity capital to assets | 9.0532% | 5,124 |
Core capital (leverage) ratio | 8.8585% | 4,994 |
Tier 1 risk-based capital ratio | 10.6189% | 5,564 |
Total risk-based capital ratio | 11.7132% | 5,560 |
Memoranda: | ||
Average total assets | $1,397,415,750 | 535 |
Average earning assets | $1,289,621,250 | 530 |
Average equity | $129,599,500 | 616 |
Average total loans | $950,598,250 | 532 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7738% | 4,042 |
Cost of funding earning assets | 0.3278% | 3,816 |
Net interest margin | 3.4460% | 3,705 |
Noninterest income to average assets | 0.8536% | 1,531 |
Noninterest expense to average assets | 2.3481% | 4,474 |
Loan and lease loss provision to assets | 0.2844% | 646 |
Net operating income to assets | 1.0417% | 2,217 |
Return on assets (ROA) | 1.0640% | 2,232 |
Pretax return on assets | 1.4509% | 1,835 |
Return on Equity (ROE) | 11.3796% | 1,519 |
Retained earnings to average equity (ytd only) | 8.2928% | 1,073 |
Net charge-offs to loans | 0.2586% | 927 |
Credit loss provision to net charge-offs | 162.8926% | 1,512 |
Earnings coverage of net charge-offs (x) | 9.7628% | 2,387 |
Efficiency ratio | 57.9369% | 4,911 |
Assets per employee ($millions) | 7.0302% | 866 |
Cash dividends to net income (ytd only)* | 27.1260% | 2,948 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3149% | 2,707 |
Loan loss allowance to noncurrent loans | 158.9321% | 2,751 |
Noncurrent assets plus other real estate owned to assets | 0.6661% | 3,006 |
Noncurrent loans to loans | 0.8273% | 2,677 |
Net loans and leases to total assets | 67.6661% | 2,829 |
Net loans and leases to deposits | 91.1459% | 1,614 |
Net loans and leases to core deposits | 113.9443% | 728 |
Total domestic deposits to total assets | 74.2394% | 5,492 |
Equity capital to assets | 9.5830% | 4,690 |
Core capital (leverage) ratio | 9.4216% | 4,308 |
Tier 1 risk-based capital ratio | 11.6327% | 5,073 |
Total risk-based capital ratio | 12.7641% | 5,028 |
Memoranda: | ||
Average total assets | $1,385,862,670 | 541 |
Average earning assets | $1,286,654,670 | 532 |
Average equity | $129,583,000 | 619 |
Average total loans | $935,921,670 | 539 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7411% | 4,165 |
Cost of funding earning assets | 0.3316% | 3,822 |
Net interest margin | 3.4095% | 3,843 |
Noninterest income to average assets | 0.7996% | 1,615 |
Noninterest expense to average assets | 2.4637% | 4,188 |
Loan and lease loss provision to assets | 0.3565% | 416 |
Net operating income to assets | 0.8777% | 2,863 |
Return on assets (ROA) | 0.9240% | 2,737 |
Pretax return on assets | 1.2362% | 2,552 |
Return on Equity (ROE) | 10.0105% | 1,979 |
Retained earnings to average equity (ytd only) | 3.6947% | 3,643 |
Net charge-offs to loans | 0.3085% | 702 |
Credit loss provision to net charge-offs | 172.4965% | 1,188 |
Earnings coverage of net charge-offs (x) | 7.4076% | 2,153 |
Efficiency ratio | 61.6754% | 4,493 |
Assets per employee ($millions) | 6.8293% | 959 |
Cash dividends to net income (ytd only)* | 63.0915% | 1,364 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3137% | 2,833 |
Loan loss allowance to noncurrent loans | 156.7110% | 2,687 |
Noncurrent assets plus other real estate owned to assets | 0.7060% | 2,948 |
Noncurrent loans to loans | 0.8383% | 2,747 |
Net loans and leases to total assets | 67.6949% | 2,692 |
Net loans and leases to deposits | 91.1770% | 1,442 |
Net loans and leases to core deposits | 111.9079% | 756 |
Total domestic deposits to total assets | 74.2455% | 5,595 |
Equity capital to assets | 9.2559% | 4,936 |
Core capital (leverage) ratio | 9.1198% | 4,707 |
Tier 1 risk-based capital ratio | 10.9169% | 5,541 |
Total risk-based capital ratio | 12.0108% | 5,535 |
Memoranda: | ||
Average total assets | $1,372,262,500 | 545 |
Average earning assets | $1,285,932,000 | 535 |
Average equity | $126,667,500 | 634 |
Average total loans | $919,430,000 | 545 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6516% | 4,517 |
Cost of funding earning assets | 0.4166% | 2,981 |
Net interest margin | 3.2350% | 4,513 |
Noninterest income to average assets | 0.9833% | 1,220 |
Noninterest expense to average assets | 2.5100% | 4,198 |
Loan and lease loss provision to assets | 0.3278% | 494 |
Net operating income to assets | 0.8581% | 3,074 |
Return on assets (ROA) | 0.8829% | 3,053 |
Pretax return on assets | 1.2130% | 2,609 |
Return on Equity (ROE) | 10.4706% | 1,816 |
Retained earnings to average equity (ytd only) | 6.1535% | 1,721 |
Net charge-offs to loans | 0.4185% | 682 |
Credit loss provision to net charge-offs | 125.7776% | 2,066 |
Earnings coverage of net charge-offs (x) | 5.7823% | 3,330 |
Efficiency ratio | 62.4867% | 4,536 |
Assets per employee ($millions) | 6.7237% | 996 |
Cash dividends to net income (ytd only)* | 41.2310% | 2,782 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3492% | 2,671 |
Loan loss allowance to noncurrent loans | 150.4710% | 2,804 |
Noncurrent assets plus other real estate owned to assets | 0.7449% | 2,823 |
Noncurrent loans to loans | 0.8966% | 2,548 |
Net loans and leases to total assets | 64.4910% | 3,200 |
Net loans and leases to deposits | 94.0113% | 1,200 |
Net loans and leases to core deposits | 109.8367% | 859 |
Total domestic deposits to total assets | 68.5992% | 5,953 |
Equity capital to assets | 9.2047% | 4,901 |
Core capital (leverage) ratio | 8.8659% | 5,043 |
Tier 1 risk-based capital ratio | 11.3921% | 5,318 |
Total risk-based capital ratio | 12.4971% | 5,297 |
Memoranda: | ||
Average total assets | $1,332,316,200 | 537 |
Average earning assets | $1,249,359,000 | 524 |
Average equity | $112,343,000 | 682 |
Average total loans | $829,672,800 | 564 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6361% | 4,624 |
Cost of funding earning assets | 0.4450% | 2,732 |
Net interest margin | 3.1911% | 4,699 |
Noninterest income to average assets | 1.0109% | 1,160 |
Noninterest expense to average assets | 2.6434% | 3,742 |
Loan and lease loss provision to assets | 0.3486% | 385 |
Net operating income to assets | 0.7436% | 3,713 |
Return on assets (ROA) | 0.7726% | 3,659 |
Pretax return on assets | 1.0494% | 3,419 |
Return on Equity (ROE) | 9.3829% | 2,363 |
Retained earnings to average equity (ytd only) | 4.4979% | 3,268 |
Net charge-offs to loans | 0.5110% | 470 |
Credit loss provision to net charge-offs | 110.9795% | 2,105 |
Earnings coverage of net charge-offs (x) | 4.3252% | 3,367 |
Efficiency ratio | 66.0485% | 3,883 |
Assets per employee ($millions) | 6.6885% | 984 |
Cash dividends to net income (ytd only)* | 52.0630% | 1,786 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3384% | 2,913 |
Loan loss allowance to noncurrent loans | 133.1818% | 3,041 |
Noncurrent assets plus other real estate owned to assets | 0.7677% | 2,981 |
Noncurrent loans to loans | 1.0050% | 2,469 |
Net loans and leases to total assets | 62.3450% | 3,556 |
Net loans and leases to deposits | 91.5662% | 1,457 |
Net loans and leases to core deposits | 103.9447% | 1,235 |
Total domestic deposits to total assets | 68.0873% | 6,039 |
Equity capital to assets | 9.1398% | 5,172 |
Core capital (leverage) ratio | 8.9736% | 5,022 |
Tier 1 risk-based capital ratio | 11.5448% | 5,348 |
Total risk-based capital ratio | 12.6417% | 5,343 |
Memoranda: | ||
Average total assets | $1,325,850,500 | 541 |
Average earning assets | $1,242,799,500 | 529 |
Average equity | $109,174,750 | 706 |
Average total loans | $815,120,500 | 576 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5800% | 4,779 |
Cost of funding earning assets | 0.4986% | 2,262 |
Net interest margin | 3.0814% | 5,013 |
Noninterest income to average assets | 0.9638% | 1,264 |
Noninterest expense to average assets | 2.8331% | 3,123 |
Loan and lease loss provision to assets | 0.3880% | 315 |
Net operating income to assets | 0.5056% | 4,742 |
Return on assets (ROA) | 0.5461% | 4,684 |
Pretax return on assets | 0.6803% | 4,721 |
Return on Equity (ROE) | 6.8905% | 3,678 |
Retained earnings to average equity (ytd only) | 3.0593% | 4,096 |
Net charge-offs to loans | 0.2453% | 1,061 |
Credit loss provision to net charge-offs | 259.7561% | 1,022 |
Earnings coverage of net charge-offs (x) | 6.8130% | 2,737 |
Efficiency ratio | 73.5709% | 2,740 |
Assets per employee ($millions) | 6.4543% | 1,077 |
Cash dividends to net income (ytd only)* | 55.6019% | 1,716 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5197% | 2,209 |
Loan loss allowance to noncurrent loans | 118.5796% | 3,305 |
Noncurrent assets plus other real estate owned to assets | 1.0184% | 2,476 |
Noncurrent loans to loans | 1.2816% | 2,110 |
Net loans and leases to total assets | 61.9848% | 3,550 |
Net loans and leases to deposits | 88.2045% | 1,810 |
Net loans and leases to core deposits | 94.9894% | 1,880 |
Total domestic deposits to total assets | 70.2740% | 6,026 |
Equity capital to assets | 9.0243% | 5,211 |
Core capital (leverage) ratio | 8.8614% | 5,145 |
Tier 1 risk-based capital ratio | 11.6569% | 5,363 |
Total risk-based capital ratio | 12.9052% | 5,283 |
Memoranda: | ||
Average total assets | $1,317,442,330 | 538 |
Average earning assets | $1,234,314,330 | 531 |
Average equity | $104,404,670 | 746 |
Average total loans | $802,242,330 | 583 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5741% | 4,768 |
Cost of funding earning assets | 0.5597% | 1,757 |
Net interest margin | 3.0144% | 5,176 |
Noninterest income to average assets | 0.9122% | 1,349 |
Noninterest expense to average assets | 2.3189% | 4,832 |
Loan and lease loss provision to assets | 0.2684% | 585 |
Net operating income to assets | 0.8313% | 3,106 |
Return on assets (ROA) | 0.9052% | 2,843 |
Pretax return on assets | 1.2484% | 2,476 |
Return on Equity (ROE) | 12.2801% | 1,273 |
Retained earnings to average equity (ytd only) | 8.1523% | 1,509 |
Net charge-offs to loans | 0.2674% | 895 |
Credit loss provision to net charge-offs | 167.6806% | 1,167 |
Earnings coverage of net charge-offs (x) | 8.8441% | 2,053 |
Efficiency ratio | 62.0957% | 4,779 |
Assets per employee ($millions) | 6.3206% | 1,177 |
Cash dividends to net income (ytd only)* | 33.6134% | 2,235 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4473% | 2,691 |
Loan loss allowance to noncurrent loans | 97.0561% | 3,746 |
Noncurrent assets plus other real estate owned to assets | 1.1785% | 2,280 |
Noncurrent loans to loans | 1.4912% | 1,896 |
Net loans and leases to total assets | 60.4160% | 3,595 |
Net loans and leases to deposits | 92.0706% | 1,179 |
Net loans and leases to core deposits | 96.0972% | 1,604 |
Total domestic deposits to total assets | 65.6193% | 6,247 |
Equity capital to assets | 7.6637% | 6,135 |
Core capital (leverage) ratio | 7.2396% | 6,210 |
Tier 1 risk-based capital ratio | 9.8385% | 6,206 |
Total risk-based capital ratio | 11.0139% | 6,188 |
Memoranda: | ||
Average total assets | $1,314,595,500 | 537 |
Average earning assets | $1,230,752,500 | 526 |
Average equity | $96,905,000 | 797 |
Average total loans | $786,964,000 | 591 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6158% | 5,044 |
Cost of funding earning assets | 0.5945% | 1,810 |
Net interest margin | 3.0213% | 5,403 |
Noninterest income to average assets | 0.7862% | 1,927 |
Noninterest expense to average assets | 2.2000% | 5,358 |
Loan and lease loss provision to assets | 0.2936% | 703 |
Net operating income to assets | 0.8041% | 3,351 |
Return on assets (ROA) | 0.8073% | 3,427 |
Pretax return on assets | 1.1197% | 3,008 |
Return on Equity (ROE) | 11.6054% | 1,525 |
Retained earnings to average equity (ytd only) | 2.1665% | 4,696 |
Net charge-offs to loans | 0.2811% | 1,543 |
Credit loss provision to net charge-offs | 184.0678% | 1,327 |
Earnings coverage of net charge-offs (x) | 8.8324% | 2,822 |
Efficiency ratio | 60.9302% | 5,083 |
Assets per employee ($millions) | 6.9419% | 878 |
Cash dividends to net income (ytd only)* | 81.3319% | 860 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4147% | 2,883 |
Loan loss allowance to noncurrent loans | 86.3576% | 4,056 |
Noncurrent assets plus other real estate owned to assets | 1.2076% | 2,360 |
Noncurrent loans to loans | 1.6382% | 1,792 |
Net loans and leases to total assets | 57.6508% | 4,096 |
Net loans and leases to deposits | 94.9113% | 1,003 |
Net loans and leases to core deposits | 104.0227% | 1,127 |
Total domestic deposits to total assets | 60.7418% | 6,396 |
Equity capital to assets | 7.0902% | 6,314 |
Core capital (leverage) ratio | 7.1026% | 6,296 |
Tier 1 risk-based capital ratio | 10.0715% | 6,240 |
Total risk-based capital ratio | 11.2618% | 6,204 |
Memoranda: | ||
Average total assets | $1,294,533,000 | 522 |
Average earning assets | $1,209,435,800 | 510 |
Average equity | $90,053,000 | 813 |
Average total loans | $734,737,000 | 591 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6356% | 5,052 |
Cost of funding earning assets | 0.6022% | 1,806 |
Net interest margin | 3.0334% | 5,428 |
Noninterest income to average assets | 0.8057% | 1,874 |
Noninterest expense to average assets | 2.2252% | 5,300 |
Loan and lease loss provision to assets | 0.1849% | 1,325 |
Net operating income to assets | 0.8767% | 3,037 |
Return on assets (ROA) | 0.8809% | 3,114 |
Pretax return on assets | 1.2312% | 2,646 |
Return on Equity (ROE) | 12.7269% | 1,292 |
Retained earnings to average equity (ytd only) | 1.4681% | 5,310 |
Net charge-offs to loans | 0.1367% | 2,427 |
Credit loss provision to net charge-offs | 240.2159% | 1,095 |
Earnings coverage of net charge-offs (x) | 18.3184% | 1,849 |
Efficiency ratio | 61.1775% | 5,011 |
Assets per employee ($millions) | 6.6352% | 953 |
Cash dividends to net income (ytd only)* | 88.4642% | 559 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3657% | 3,323 |
Loan loss allowance to noncurrent loans | 65.2245% | 4,630 |
Noncurrent assets plus other real estate owned to assets | 1.4745% | 2,089 |
Noncurrent loans to loans | 2.0938% | 1,495 |
Net loans and leases to total assets | 57.9793% | 4,075 |
Net loans and leases to deposits | 85.8451% | 1,923 |
Net loans and leases to core deposits | 96.2669% | 1,654 |
Total domestic deposits to total assets | 67.5395% | 6,364 |
Equity capital to assets | 7.0833% | 6,368 |
Core capital (leverage) ratio | 7.2323% | 6,345 |
Tier 1 risk-based capital ratio | 10.2640% | 6,281 |
Total risk-based capital ratio | 11.4128% | 6,269 |
Memoranda: | ||
Average total assets | $1,283,217,500 | 527 |
Average earning assets | $1,197,138,500 | 513 |
Average equity | $88,817,750 | 831 |
Average total loans | $722,549,750 | 600 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6261% | 5,082 |
Cost of funding earning assets | 0.6050% | 1,864 |
Net interest margin | 3.0211% | 5,459 |
Noninterest income to average assets | 0.7910% | 1,872 |
Noninterest expense to average assets | 2.1967% | 5,423 |
Loan and lease loss provision to assets | 0.1829% | 1,337 |
Net operating income to assets | 0.8701% | 2,956 |
Return on assets (ROA) | 0.8724% | 3,035 |
Pretax return on assets | 1.2283% | 2,541 |
Return on Equity (ROE) | 12.7045% | 1,258 |
Retained earnings to average equity (ytd only) | -0.9514% | 5,848 |
Net charge-offs to loans | 0.0485% | 3,280 |
Credit loss provision to net charge-offs | 680.2326% | 462 |
Earnings coverage of net charge-offs (x) | 52.3721% | 884 |
Efficiency ratio | 60.9114% | 5,154 |
Assets per employee ($millions) | 6.6925% | 929 |
Cash dividends to net income (ytd only)* | 107.4884% | 446 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3917% | 3,399 |
Loan loss allowance to noncurrent loans | 115.4559% | 3,314 |
Noncurrent assets plus other real estate owned to assets | 0.9412% | 3,185 |
Noncurrent loans to loans | 1.2054% | 2,823 |
Net loans and leases to total assets | 56.4617% | 4,209 |
Net loans and leases to deposits | 85.9641% | 1,818 |
Net loans and leases to core deposits | 94.2372% | 1,750 |
Total domestic deposits to total assets | 65.6805% | 6,484 |
Equity capital to assets | 7.0002% | 6,443 |
Core capital (leverage) ratio | 7.1302% | 6,409 |
Tier 1 risk-based capital ratio | 10.4080% | 6,279 |
Total risk-based capital ratio | 11.5861% | 6,258 |
Memoranda: | ||
Average total assets | $1,279,668,000 | 529 |
Average earning assets | $1,191,762,330 | 516 |
Average equity | $87,874,330 | 832 |
Average total loans | $709,879,000 | 608 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6360% | 5,049 |
Cost of funding earning assets | 0.6209% | 1,805 |
Net interest margin | 3.0152% | 5,487 |
Noninterest income to average assets | 0.8014% | 1,741 |
Noninterest expense to average assets | 2.2073% | 5,443 |
Loan and lease loss provision to assets | 0.1918% | 1,235 |
Net operating income to assets | 0.8643% | 2,830 |
Return on assets (ROA) | 0.8687% | 2,869 |
Pretax return on assets | 1.2176% | 2,405 |
Return on Equity (ROE) | 12.7778% | 1,215 |
Retained earnings to average equity (ytd only) | 3.5152% | 4,022 |
Net charge-offs to loans | 0.0254% | 3,062 |
Credit loss provision to net charge-offs | 1,384.0909% | 243 |
Earnings coverage of net charge-offs (x) | 101.2727% | 452 |
Efficiency ratio | 61.1111% | 5,253 |
Assets per employee ($millions) | 6.9050% | 835 |
Cash dividends to net income (ytd only)* | 72.4900% | 1,097 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4144% | 3,526 |
Loan loss allowance to noncurrent loans | 125.0221% | 3,054 |
Noncurrent assets plus other real estate owned to assets | 0.9357% | 3,385 |
Noncurrent loans to loans | 1.1313% | 3,159 |
Net loans and leases to total assets | 53.8003% | 4,448 |
Net loans and leases to deposits | 79.3187% | 2,391 |
Net loans and leases to core deposits | 86.6315% | 2,247 |
Total domestic deposits to total assets | 67.8280% | 6,522 |
Equity capital to assets | 6.9065% | 6,467 |
Core capital (leverage) ratio | 7.0728% | 6,452 |
Tier 1 risk-based capital ratio | 10.9102% | 6,186 |
Total risk-based capital ratio | 12.0784% | 6,179 |
Memoranda: | ||
Average total assets | $1,270,332,500 | 534 |
Average earning assets | $1,183,482,500 | 520 |
Average equity | $86,368,500 | 849 |
Average total loans | $693,113,500 | 625 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6490% | 5,282 |
Cost of funding earning assets | 0.6981% | 1,830 |
Net interest margin | 2.9509% | 5,677 |
Noninterest income to average assets | 0.9176% | 1,620 |
Noninterest expense to average assets | 2.3242% | 5,304 |
Loan and lease loss provision to assets | 0.2743% | 1,279 |
Net operating income to assets | 0.7854% | 3,367 |
Return on assets (ROA) | 0.8309% | 3,216 |
Pretax return on assets | 1.1151% | 2,902 |
Return on Equity (ROE) | 11.4557% | 1,613 |
Retained earnings to average equity (ytd only) | 1.4196% | 5,185 |
Net charge-offs to loans | 0.3335% | 2,005 |
Credit loss provision to net charge-offs | 148.7933% | 1,562 |
Earnings coverage of net charge-offs (x) | 7.2409% | 2,884 |
Efficiency ratio | 63.4901% | 4,989 |
Assets per employee ($millions) | 6.5434% | 969 |
Cash dividends to net income (ytd only)* | 87.6083% | 705 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3640% | 3,827 |
Loan loss allowance to noncurrent loans | 122.1003% | 3,113 |
Noncurrent assets plus other real estate owned to assets | 0.9332% | 3,571 |
Noncurrent loans to loans | 1.1171% | 3,302 |
Net loans and leases to total assets | 53.8068% | 4,605 |
Net loans and leases to deposits | 81.1078% | 2,311 |
Net loans and leases to core deposits | 92.7129% | 1,702 |
Total domestic deposits to total assets | 66.3398% | 6,625 |
Equity capital to assets | 6.6889% | 6,533 |
Core capital (leverage) ratio | 7.1280% | 6,493 |
Tier 1 risk-based capital ratio | 11.1214% | 6,110 |
Total risk-based capital ratio | 12.2536% | 6,115 |
Memoranda: | ||
Average total assets | $1,236,335,400 | 526 |
Average earning assets | $1,148,528,200 | 515 |
Average equity | $89,676,000 | 786 |
Average total loans | $683,380,200 | 612 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6618% | 5,272 |
Cost of funding earning assets | 0.7010% | 1,939 |
Net interest margin | 2.9608% | 5,681 |
Noninterest income to average assets | 0.9037% | 1,748 |
Noninterest expense to average assets | 2.3096% | 5,305 |
Loan and lease loss provision to assets | 0.2223% | 1,637 |
Net operating income to assets | 0.7765% | 3,478 |
Return on assets (ROA) | 0.8352% | 3,292 |
Pretax return on assets | 1.1922% | 2,738 |
Return on Equity (ROE) | 11.2901% | 1,710 |
Retained earnings to average equity (ytd only) | -0.4201% | 6,026 |
Net charge-offs to loans | 0.2753% | 2,173 |
Credit loss provision to net charge-offs | 145.6028% | 1,620 |
Earnings coverage of net charge-offs (x) | 8.7851% | 2,577 |
Efficiency ratio | 63.2292% | 4,939 |
Assets per employee ($millions) | 6.7140% | 846 |
Cash dividends to net income (ytd only)* | 103.7210% | 372 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2782% | 4,509 |
Loan loss allowance to noncurrent loans | 92.9738% | 3,656 |
Noncurrent assets plus other real estate owned to assets | 1.0978% | 3,459 |
Noncurrent loans to loans | 1.3748% | 3,117 |
Net loans and leases to total assets | 54.3281% | 4,557 |
Net loans and leases to deposits | 84.7960% | 1,763 |
Net loans and leases to core deposits | 97.1711% | 1,301 |
Total domestic deposits to total assets | 64.0692% | 6,750 |
Equity capital to assets | 6.7564% | 6,602 |
Core capital (leverage) ratio | 7.1966% | 6,546 |
Tier 1 risk-based capital ratio | 10.7523% | 6,381 |
Total risk-based capital ratio | 11.8100% | 6,407 |
Memoranda: | ||
Average total assets | $1,231,333,750 | 532 |
Average earning assets | $1,142,508,750 | 520 |
Average equity | $91,086,250 | 778 |
Average total loans | $682,889,000 | 614 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6820% | 5,204 |
Cost of funding earning assets | 0.7052% | 2,031 |
Net interest margin | 2.9768% | 5,624 |
Noninterest income to average assets | 0.8856% | 1,870 |
Noninterest expense to average assets | 2.3113% | 5,338 |
Loan and lease loss provision to assets | 0.2257% | 1,674 |
Net operating income to assets | 0.7715% | 3,458 |
Return on assets (ROA) | 0.8114% | 3,387 |
Pretax return on assets | 1.1530% | 2,870 |
Return on Equity (ROE) | 10.6513% | 1,944 |
Retained earnings to average equity (ytd only) | -2.2489% | 6,219 |
Net charge-offs to loans | 0.2881% | 2,043 |
Credit loss provision to net charge-offs | 140.8998% | 1,608 |
Earnings coverage of net charge-offs (x) | 8.3569% | 2,406 |
Efficiency ratio | 63.2920% | 4,963 |
Assets per employee ($millions) | 6.3391% | 988 |
Cash dividends to net income (ytd only)* | 121.1143% | 334 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2553% | 4,717 |
Loan loss allowance to noncurrent loans | 72.9392% | 4,292 |
Noncurrent assets plus other real estate owned to assets | 1.2173% | 3,318 |
Noncurrent loans to loans | 1.7210% | 2,734 |
Net loans and leases to total assets | 54.6757% | 4,498 |
Net loans and leases to deposits | 82.5917% | 1,980 |
Net loans and leases to core deposits | 102.5758% | 909 |
Total domestic deposits to total assets | 66.2000% | 6,754 |
Equity capital to assets | 6.8698% | 6,628 |
Core capital (leverage) ratio | 7.1488% | 6,577 |
Tier 1 risk-based capital ratio | 10.9501% | 6,358 |
Total risk-based capital ratio | 12.0068% | 6,394 |
Memoranda: | ||
Average total assets | $1,221,033,670 | 537 |
Average earning assets | $1,133,898,330 | 524 |
Average equity | $93,021,330 | 756 |
Average total loans | $678,976,330 | 616 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7090% | 5,130 |
Cost of funding earning assets | 0.7179% | 2,076 |
Net interest margin | 2.9911% | 5,593 |
Noninterest income to average assets | 0.9079% | 1,731 |
Noninterest expense to average assets | 2.3518% | 5,265 |
Loan and lease loss provision to assets | 0.1183% | 2,752 |
Net operating income to assets | 0.8315% | 2,998 |
Return on assets (ROA) | 0.9122% | 2,744 |
Pretax return on assets | 1.2916% | 2,258 |
Return on Equity (ROE) | 11.3986% | 1,591 |
Retained earnings to average equity (ytd only) | 3.1387% | 4,382 |
Net charge-offs to loans | 0.0421% | 3,448 |
Credit loss provision to net charge-offs | 504.2254% | 519 |
Earnings coverage of net charge-offs (x) | 56.6479% | 618 |
Efficiency ratio | 63.8625% | 5,026 |
Assets per employee ($millions) | 6.4912% | 987 |
Cash dividends to net income (ytd only)* | 72.4638% | 1,034 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2706% | 4,846 |
Loan loss allowance to noncurrent loans | 98.6458% | 3,393 |
Noncurrent assets plus other real estate owned to assets | 0.9723% | 3,984 |
Noncurrent loans to loans | 1.2881% | 3,626 |
Net loans and leases to total assets | 53.6965% | 4,464 |
Net loans and leases to deposits | 83.8326% | 1,615 |
Net loans and leases to core deposits | 95.1177% | 1,260 |
Total domestic deposits to total assets | 64.0520% | 6,876 |
Equity capital to assets | 7.8620% | 6,448 |
Core capital (leverage) ratio | 7.5705% | 6,441 |
Tier 1 risk-based capital ratio | 11.5474% | 6,156 |
Total risk-based capital ratio | 12.6254% | 6,222 |
Memoranda: | ||
Average total assets | $1,210,314,000 | 549 |
Average earning assets | $1,122,141,500 | 532 |
Average equity | $96,854,000 | 745 |
Average total loans | $674,481,000 | 624 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0618% | 5,102 |
Cost of funding earning assets | 0.8674% | 2,162 |
Net interest margin | 3.1944% | 5,582 |
Noninterest income to average assets | 0.9739% | 1,619 |
Noninterest expense to average assets | 2.3838% | 5,455 |
Loan and lease loss provision to assets | 0.1330% | 3,962 |
Net operating income to assets | 0.9705% | 2,461 |
Return on assets (ROA) | 0.9338% | 2,875 |
Pretax return on assets | 1.3609% | 2,173 |
Return on Equity (ROE) | 11.1713% | 1,750 |
Retained earnings to average equity (ytd only) | 4.4052% | 3,130 |
Net charge-offs to loans | 0.2064% | 3,733 |
Credit loss provision to net charge-offs | 114.2003% | 2,546 |
Earnings coverage of net charge-offs (x) | 13.1286% | 1,861 |
Efficiency ratio | 60.9012% | 5,402 |
Assets per employee ($millions) | 6.0887% | 1,226 |
Cash dividends to net income (ytd only)* | 60.5665% | 1,766 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2144% | 5,048 |
Loan loss allowance to noncurrent loans | 101.1172% | 3,305 |
Noncurrent assets plus other real estate owned to assets | 1.0034% | 4,029 |
Noncurrent loans to loans | 1.2010% | 3,852 |
Net loans and leases to total assets | 56.4263% | 4,220 |
Net loans and leases to deposits | 93.6541% | 772 |
Net loans and leases to core deposits | 102.2373% | 881 |
Total domestic deposits to total assets | 60.2497% | 6,970 |
Equity capital to assets | 8.1482% | 6,322 |
Core capital (leverage) ratio | 7.7405% | 6,381 |
Tier 1 risk-based capital ratio | 11.1053% | 6,311 |
Total risk-based capital ratio | 12.1156% | 6,370 |
Memoranda: | ||
Average total assets | $1,149,278,600 | 570 |
Average earning assets | $1,057,166,800 | 555 |
Average equity | $96,068,000 | 735 |
Average total loans | $648,364,800 | 638 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1331% | 5,068 |
Cost of funding earning assets | 0.8861% | 2,262 |
Net interest margin | 3.2470% | 5,559 |
Noninterest income to average assets | 0.9782% | 1,571 |
Noninterest expense to average assets | 2.3832% | 5,444 |
Loan and lease loss provision to assets | 0.1331% | 3,878 |
Net operating income to assets | 1.0099% | 2,456 |
Return on assets (ROA) | 0.9605% | 2,915 |
Pretax return on assets | 1.4026% | 2,226 |
Return on Equity (ROE) | 11.4159% | 1,816 |
Retained earnings to average equity (ytd only) | 5.1595% | 3,248 |
Net charge-offs to loans | 0.2141% | 3,446 |
Credit loss provision to net charge-offs | 110.5928% | 2,654 |
Earnings coverage of net charge-offs (x) | 13.1448% | 1,945 |
Efficiency ratio | 60.0667% | 5,484 |
Assets per employee ($millions) | 5.9010% | 1,307 |
Cash dividends to net income (ytd only)* | 54.8045% | 1,477 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2381% | 5,104 |
Loan loss allowance to noncurrent loans | 115.1836% | 2,872 |
Noncurrent assets plus other real estate owned to assets | 0.9617% | 4,361 |
Noncurrent loans to loans | 1.0749% | 4,292 |
Net loans and leases to total assets | 56.8242% | 4,328 |
Net loans and leases to deposits | 90.2500% | 1,116 |
Net loans and leases to core deposits | 104.7806% | 822 |
Total domestic deposits to total assets | 62.9631% | 7,032 |
Equity capital to assets | 8.4757% | 6,285 |
Core capital (leverage) ratio | 7.7579% | 6,490 |
Tier 1 risk-based capital ratio | 11.4671% | 6,246 |
Total risk-based capital ratio | 12.5060% | 6,346 |
Memoranda: | ||
Average total assets | $1,139,774,250 | 579 |
Average earning assets | $1,048,605,750 | 567 |
Average equity | $95,899,250 | 742 |
Average total loans | $640,910,250 | 648 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1357% | 5,179 |
Cost of funding earning assets | 0.8946% | 2,443 |
Net interest margin | 3.2410% | 5,618 |
Noninterest income to average assets | 0.9605% | 1,578 |
Noninterest expense to average assets | 2.3536% | 5,608 |
Loan and lease loss provision to assets | 0.1385% | 3,789 |
Net operating income to assets | 1.0050% | 2,444 |
Return on assets (ROA) | 0.9526% | 2,904 |
Pretax return on assets | 1.3941% | 2,215 |
Return on Equity (ROE) | 11.3502% | 1,859 |
Retained earnings to average equity (ytd only) | 1.9283% | 5,233 |
Net charge-offs to loans | 0.2706% | 2,963 |
Credit loss provision to net charge-offs | 91.7346% | 2,985 |
Earnings coverage of net charge-offs (x) | 10.4715% | 2,043 |
Efficiency ratio | 59.7910% | 5,611 |
Assets per employee ($millions) | 5.8686% | 1,314 |
Cash dividends to net income (ytd only)* | 83.0105% | 731 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2391% | 5,164 |
Loan loss allowance to noncurrent loans | 101.4115% | 3,164 |
Noncurrent assets plus other real estate owned to assets | 1.2143% | 3,987 |
Noncurrent loans to loans | 1.2219% | 4,101 |
Net loans and leases to total assets | 54.4272% | 4,725 |
Net loans and leases to deposits | 89.3552% | 1,213 |
Net loans and leases to core deposits | 104.3327% | 837 |
Total domestic deposits to total assets | 60.9111% | 7,124 |
Equity capital to assets | 8.1718% | 6,478 |
Core capital (leverage) ratio | 8.0547% | 6,217 |
Tier 1 risk-based capital ratio | 11.6114% | 6,163 |
Total risk-based capital ratio | 12.6221% | 6,272 |
Memoranda: | ||
Average total assets | $1,138,099,330 | 581 |
Average earning assets | $1,044,236,330 | 566 |
Average equity | $95,522,330 | 744 |
Average total loans | $634,987,670 | 658 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1555% | 5,264 |
Cost of funding earning assets | 0.9109% | 2,602 |
Net interest margin | 3.2447% | 5,641 |
Noninterest income to average assets | 1.0459% | 1,322 |
Noninterest expense to average assets | 2.3215% | 5,713 |
Loan and lease loss provision to assets | 0.1410% | 3,590 |
Net operating income to assets | 1.0904% | 2,137 |
Return on assets (ROA) | 1.0342% | 2,538 |
Pretax return on assets | 1.5146% | 1,835 |
Return on Equity (ROE) | 12.1549% | 1,628 |
Retained earnings to average equity (ytd only) | 12.1549% | 804 |
Net charge-offs to loans | 0.1579% | 3,147 |
Credit loss provision to net charge-offs | 159.0361% | 1,594 |
Earnings coverage of net charge-offs (x) | 19.3052% | 1,232 |
Efficiency ratio | 57.5225% | 5,973 |
Assets per employee ($millions) | 5.8226% | 1,404 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2864% | 5,079 |
Loan loss allowance to noncurrent loans | 76.1927% | 3,809 |
Noncurrent assets plus other real estate owned to assets | 1.3891% | 3,788 |
Noncurrent loans to loans | 1.6883% | 3,579 |
Net loans and leases to total assets | 55.9475% | 4,396 |
Net loans and leases to deposits | 91.1799% | 861 |
Net loans and leases to core deposits | 102.9711% | 816 |
Total domestic deposits to total assets | 61.3594% | 7,179 |
Equity capital to assets | 8.5914% | 6,000 |
Core capital (leverage) ratio | 8.2538% | 5,949 |
Tier 1 risk-based capital ratio | 12.1976% | 5,821 |
Total risk-based capital ratio | 13.2675% | 5,938 |
Memoranda: | ||
Average total assets | $1,123,225,000 | 585 |
Average earning assets | $1,034,185,000 | 574 |
Average equity | $95,566,500 | 741 |
Average total loans | $630,680,500 | 660 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3163% | 5,713 |
Cost of funding earning assets | 1.1435% | 2,389 |
Net interest margin | 3.1728% | 6,166 |
Noninterest income to average assets | 0.9787% | 1,427 |
Noninterest expense to average assets | 2.4902% | 5,498 |
Loan and lease loss provision to assets | 0.2584% | 3,626 |
Net operating income to assets | 0.7881% | 3,091 |
Return on assets (ROA) | 0.8354% | 3,054 |
Pretax return on assets | 1.2296% | 2,354 |
Return on Equity (ROE) | 9.7665% | 2,136 |
Retained earnings to average equity (ytd only) | 3.4139% | 3,795 |
Net charge-offs to loans | 0.6146% | 2,609 |
Credit loss provision to net charge-offs | 73.0697% | 4,733 |
Earnings coverage of net charge-offs (x) | 3.9639% | 3,320 |
Efficiency ratio | 63.9443% | 5,140 |
Assets per employee ($millions) | 5.6702% | 1,462 |
Cash dividends to net income (ytd only)* | 65.0452% | 1,350 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2885% | 4,970 |
Loan loss allowance to noncurrent loans | 75.4643% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 1.3805% | 3,934 |
Noncurrent loans to loans | 1.7074% | 3,599 |
Net loans and leases to total assets | 54.9045% | 4,893 |
Net loans and leases to deposits | 97.7831% | 572 |
Net loans and leases to core deposits | 109.3872% | 641 |
Total domestic deposits to total assets | 56.1492% | 7,265 |
Equity capital to assets | 8.4249% | 6,228 |
Core capital (leverage) ratio | 8.2106% | 5,979 |
Tier 1 risk-based capital ratio | 11.9669% | 5,862 |
Total risk-based capital ratio | 13.0327% | 5,953 |
Memoranda: | ||
Average total assets | $1,058,237,600 | 624 |
Average earning assets | $971,753,000 | 610 |
Average equity | $90,513,400 | 744 |
Average total loans | $608,973,800 | 688 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3614% | 5,736 |
Cost of funding earning assets | 1.1906% | 2,378 |
Net interest margin | 3.1708% | 6,231 |
Noninterest income to average assets | 0.9837% | 1,377 |
Noninterest expense to average assets | 2.5285% | 5,360 |
Loan and lease loss provision to assets | 0.2862% | 3,227 |
Net operating income to assets | 0.7472% | 3,394 |
Return on assets (ROA) | 0.8268% | 3,197 |
Pretax return on assets | 1.2145% | 2,581 |
Return on Equity (ROE) | 9.6271% | 2,337 |
Retained earnings to average equity (ytd only) | 1.0607% | 5,593 |
Net charge-offs to loans | 0.5839% | 2,503 |
Credit loss provision to net charge-offs | 84.4151% | 3,986 |
Earnings coverage of net charge-offs (x) | 4.0370% | 3,202 |
Efficiency ratio | 64.8436% | 4,925 |
Assets per employee ($millions) | 5.4093% | 1,689 |
Cash dividends to net income (ytd only)* | 88.9818% | 448 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4048% | 4,542 |
Loan loss allowance to noncurrent loans | 54.8914% | 4,713 |
Noncurrent assets plus other real estate owned to assets | 1.8915% | 3,280 |
Noncurrent loans to loans | 2.5593% | 2,704 |
Net loans and leases to total assets | 56.9104% | 4,697 |
Net loans and leases to deposits | 93.7902% | 852 |
Net loans and leases to core deposits | 108.9700% | 726 |
Total domestic deposits to total assets | 60.6784% | 7,290 |
Equity capital to assets | 8.6099% | 6,188 |
Core capital (leverage) ratio | 8.3488% | 5,918 |
Tier 1 risk-based capital ratio | 11.9845% | 5,905 |
Total risk-based capital ratio | 13.1635% | 5,936 |
Memoranda: | ||
Average total assets | $1,042,124,000 | 644 |
Average earning assets | $957,562,250 | 625 |
Average equity | $89,495,250 | 757 |
Average total loans | $605,103,750 | 697 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3592% | 5,827 |
Cost of funding earning assets | 1.2411% | 2,314 |
Net interest margin | 3.1181% | 6,371 |
Noninterest income to average assets | 1.0111% | 1,295 |
Noninterest expense to average assets | 2.5795% | 5,261 |
Loan and lease loss provision to assets | 0.2085% | 3,839 |
Net operating income to assets | 0.7558% | 3,261 |
Return on assets (ROA) | 0.8359% | 3,029 |
Pretax return on assets | 1.2233% | 2,389 |
Return on Equity (ROE) | 9.7427% | 2,216 |
Retained earnings to average equity (ytd only) | 1.8548% | 5,058 |
Net charge-offs to loans | 0.1831% | 4,063 |
Credit loss provision to net charge-offs | 195.6443% | 1,545 |
Earnings coverage of net charge-offs (x) | 12.1906% | 1,645 |
Efficiency ratio | 66.4755% | 4,781 |
Assets per employee ($millions) | 5.3452% | 1,712 |
Cash dividends to net income (ytd only)* | 80.9623% | 768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5879% | 3,738 |
Loan loss allowance to noncurrent loans | 62.9211% | 4,293 |
Noncurrent assets plus other real estate owned to assets | 1.9290% | 3,336 |
Noncurrent loans to loans | 2.5236% | 2,865 |
Net loans and leases to total assets | 57.5603% | 4,714 |
Net loans and leases to deposits | 91.8908% | 1,074 |
Net loans and leases to core deposits | 109.0278% | 755 |
Total domestic deposits to total assets | 62.6399% | 7,339 |
Equity capital to assets | 8.7467% | 5,879 |
Core capital (leverage) ratio | 8.4346% | 5,654 |
Tier 1 risk-based capital ratio | 12.1663% | 5,648 |
Total risk-based capital ratio | 13.4172% | 5,629 |
Memoranda: | ||
Average total assets | $1,034,289,330 | 653 |
Average earning assets | $951,096,670 | 639 |
Average equity | $88,743,670 | 760 |
Average total loans | $601,773,670 | 716 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2313% | 6,200 |
Cost of funding earning assets | 1.3004% | 2,169 |
Net interest margin | 2.9309% | 6,702 |
Noninterest income to average assets | 0.9471% | 1,485 |
Noninterest expense to average assets | 2.6913% | 4,870 |
Loan and lease loss provision to assets | 0.1699% | 3,929 |
Net operating income to assets | 0.5422% | 4,304 |
Return on assets (ROA) | 0.7385% | 3,397 |
Pretax return on assets | 1.0896% | 2,794 |
Return on Equity (ROE) | 8.6910% | 2,614 |
Retained earnings to average equity (ytd only) | -2.6728% | 6,248 |
Net charge-offs to loans | 0.2636% | 3,017 |
Credit loss provision to net charge-offs | 111.1111% | 2,408 |
Earnings coverage of net charge-offs (x) | 6.2626% | 2,131 |
Efficiency ratio | 73.7193% | 3,568 |
Assets per employee ($millions) | 7.5736% | 567 |
Cash dividends to net income (ytd only)* | 130.7531% | 405 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5204% | 4,109 |
Loan loss allowance to noncurrent loans | 62.8619% | 4,264 |
Noncurrent assets plus other real estate owned to assets | 1.8516% | 3,492 |
Noncurrent loans to loans | 2.4186% | 3,071 |
Net loans and leases to total assets | 56.3852% | 4,930 |
Net loans and leases to deposits | 89.4622% | 1,299 |
Net loans and leases to core deposits | 105.6506% | 957 |
Total domestic deposits to total assets | 63.0268% | 7,383 |
Equity capital to assets | 8.3375% | 6,122 |
Core capital (leverage) ratio | 8.0576% | 6,180 |
Tier 1 risk-based capital ratio | 11.8500% | 5,819 |
Total risk-based capital ratio | 13.0988% | 5,824 |
Memoranda: | ||
Average total assets | $1,035,622,000 | 653 |
Average earning assets | $954,796,500 | 640 |
Average equity | $87,999,000 | 758 |
Average total loans | $600,967,000 | 720 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7201% | 5,731 |
Cost of funding earning assets | 1.6063% | 2,037 |
Net interest margin | 3.1138% | 6,487 |
Noninterest income to average assets | 0.9250% | 1,759 |
Noninterest expense to average assets | 2.5378% | 5,657 |
Loan and lease loss provision to assets | 0.2461% | 4,827 |
Net operating income to assets | 0.7092% | 3,196 |
Return on assets (ROA) | 0.6846% | 3,412 |
Pretax return on assets | 0.9824% | 2,985 |
Return on Equity (ROE) | 7.6634% | 2,829 |
Retained earnings to average equity (ytd only) | 1.5564% | 4,754 |
Net charge-offs to loans | 0.7927% | 2,657 |
Credit loss provision to net charge-offs | 49.2980% | 6,269 |
Earnings coverage of net charge-offs (x) | 2.5174% | 3,853 |
Efficiency ratio | 66.8478% | 4,787 |
Assets per employee ($millions) | 6.9330% | 764 |
Cash dividends to net income (ytd only)* | 79.6900% | 863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5002% | 4,010 |
Loan loss allowance to noncurrent loans | 44.3128% | 5,363 |
Noncurrent assets plus other real estate owned to assets | 2.3663% | 2,901 |
Noncurrent loans to loans | 3.3855% | 2,246 |
Net loans and leases to total assets | 57.9355% | 5,034 |
Net loans and leases to deposits | 99.2028% | 623 |
Net loans and leases to core deposits | 113.8669% | 734 |
Total domestic deposits to total assets | 58.4010% | 7,522 |
Equity capital to assets | 8.6599% | 5,640 |
Core capital (leverage) ratio | 8.4776% | 5,404 |
Tier 1 risk-based capital ratio | 11.8821% | 5,587 |
Total risk-based capital ratio | 13.1212% | 5,585 |
Memoranda: | ||
Average total assets | $998,959,600 | 665 |
Average earning assets | $920,552,000 | 653 |
Average equity | $89,241,800 | 751 |
Average total loans | $628,964,000 | 704 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7854% | 5,720 |
Cost of funding earning assets | 1.6367% | 2,172 |
Net interest margin | 3.1486% | 6,487 |
Noninterest income to average assets | 0.8615% | 1,946 |
Noninterest expense to average assets | 2.5612% | 5,465 |
Loan and lease loss provision to assets | 0.1672% | 5,371 |
Net operating income to assets | 0.7203% | 3,320 |
Return on assets (ROA) | 0.7019% | 3,558 |
Pretax return on assets | 1.0126% | 3,136 |
Return on Equity (ROE) | 7.7949% | 2,986 |
Retained earnings to average equity (ytd only) | 1.8999% | 5,010 |
Net charge-offs to loans | 0.7186% | 2,626 |
Credit loss provision to net charge-offs | 36.3318% | 6,076 |
Earnings coverage of net charge-offs (x) | 2.6139% | 3,845 |
Efficiency ratio | 68.0067% | 4,464 |
Assets per employee ($millions) | 6.6938% | 887 |
Cash dividends to net income (ytd only)* | 75.6271% | 759 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5415% | 3,766 |
Loan loss allowance to noncurrent loans | 33.8323% | 6,075 |
Noncurrent assets plus other real estate owned to assets | 3.2556% | 2,193 |
Noncurrent loans to loans | 4.5562% | 1,579 |
Net loans and leases to total assets | 61.0376% | 4,712 |
Net loans and leases to deposits | 106.2949% | 352 |
Net loans and leases to core deposits | 125.6846% | 457 |
Total domestic deposits to total assets | 57.4229% | 7,624 |
Equity capital to assets | 9.2362% | 5,250 |
Core capital (leverage) ratio | 8.5270% | 5,459 |
Tier 1 risk-based capital ratio | 11.8484% | 5,592 |
Total risk-based capital ratio | 13.0989% | 5,569 |
Memoranda: | ||
Average total assets | $992,178,750 | 664 |
Average earning assets | $914,573,250 | 652 |
Average equity | $89,337,750 | 743 |
Average total loans | $635,325,000 | 697 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8206% | 5,721 |
Cost of funding earning assets | 1.6361% | 2,448 |
Net interest margin | 3.1844% | 6,365 |
Noninterest income to average assets | 0.7599% | 2,327 |
Noninterest expense to average assets | 2.6097% | 5,282 |
Loan and lease loss provision to assets | 0.2014% | 4,860 |
Net operating income to assets | 0.6183% | 3,790 |
Return on assets (ROA) | 0.6272% | 3,886 |
Pretax return on assets | 0.8948% | 3,516 |
Return on Equity (ROE) | 7.0252% | 3,289 |
Retained earnings to average equity (ytd only) | 1.5086% | 5,118 |
Net charge-offs to loans | 0.6527% | 2,584 |
Credit loss provision to net charge-offs | 47.6916% | 5,469 |
Earnings coverage of net charge-offs (x) | 2.5745% | 3,709 |
Efficiency ratio | 70.5508% | 4,072 |
Assets per employee ($millions) | 7.2883% | 671 |
Cash dividends to net income (ytd only)* | 78.5256% | 794 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6691% | 3,189 |
Loan loss allowance to noncurrent loans | 47.6806% | 5,117 |
Noncurrent assets plus other real estate owned to assets | 2.6080% | 2,775 |
Noncurrent loans to loans | 3.5006% | 2,260 |
Net loans and leases to total assets | 61.4094% | 4,799 |
Net loans and leases to deposits | 105.7218% | 406 |
Net loans and leases to core deposits | 127.4186% | 475 |
Total domestic deposits to total assets | 58.0858% | 7,682 |
Equity capital to assets | 8.9662% | 5,500 |
Core capital (leverage) ratio | 8.5122% | 5,382 |
Tier 1 risk-based capital ratio | 11.4382% | 5,836 |
Total risk-based capital ratio | 12.6900% | 5,802 |
Memoranda: | ||
Average total assets | $994,910,330 | 663 |
Average earning assets | $917,654,330 | 649 |
Average equity | $88,822,670 | 736 |
Average total loans | $643,765,670 | 691 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8805% | 5,558 |
Cost of funding earning assets | 1.6175% | 2,852 |
Net interest margin | 3.2630% | 6,086 |
Noninterest income to average assets | 0.5894% | 3,343 |
Noninterest expense to average assets | 2.5864% | 5,406 |
Loan and lease loss provision to assets | 0.2733% | 3,842 |
Net operating income to assets | 0.5255% | 4,259 |
Return on assets (ROA) | 0.5603% | 4,223 |
Pretax return on assets | 0.7826% | 3,941 |
Return on Equity (ROE) | 6.2897% | 3,728 |
Retained earnings to average equity (ytd only) | 3.3400% | 4,149 |
Net charge-offs to loans | 0.3806% | 2,909 |
Credit loss provision to net charge-offs | 109.0323% | 3,156 |
Earnings coverage of net charge-offs (x) | 4.0742% | 2,712 |
Efficiency ratio | 71.6495% | 3,988 |
Assets per employee ($millions) | 7.4865% | 654 |
Cash dividends to net income (ytd only)* | 46.8975% | 1,555 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7912% | 2,763 |
Loan loss allowance to noncurrent loans | 58.5581% | 4,446 |
Noncurrent assets plus other real estate owned to assets | 2.2610% | 3,198 |
Noncurrent loans to loans | 3.0589% | 2,616 |
Net loans and leases to total assets | 63.6118% | 4,404 |
Net loans and leases to deposits | 104.5115% | 495 |
Net loans and leases to core deposits | 131.4545% | 451 |
Total domestic deposits to total assets | 60.8658% | 7,742 |
Equity capital to assets | 8.8759% | 5,437 |
Core capital (leverage) ratio | 8.7458% | 4,946 |
Tier 1 risk-based capital ratio | 11.0090% | 6,146 |
Total risk-based capital ratio | 12.2620% | 6,118 |
Memoranda: | ||
Average total assets | $989,474,500 | 684 |
Average earning assets | $915,237,000 | 667 |
Average equity | $88,144,000 | 745 |
Average total loans | $651,584,000 | 695 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4158% | 4,619 |
Cost of funding earning assets | 1.8882% | 3,525 |
Net interest margin | 3.5276% | 4,829 |
Noninterest income to average assets | 0.9905% | 1,610 |
Noninterest expense to average assets | 2.5053% | 6,105 |
Loan and lease loss provision to assets | 0.8408% | 2,627 |
Net operating income to assets | 0.6480% | 3,144 |
Return on assets (ROA) | 0.7127% | 2,947 |
Pretax return on assets | 1.0176% | 2,533 |
Return on Equity (ROE) | 8.5101% | 2,193 |
Retained earnings to average equity (ytd only) | 0.9710% | 4,352 |
Net charge-offs to loans | 0.8567% | 2,686 |
Credit loss provision to net charge-offs | 144.1351% | 3,315 |
Earnings coverage of net charge-offs (x) | 3.0160% | 3,573 |
Efficiency ratio | 58.7115% | 6,662 |
Assets per employee ($millions) | 7.8061% | 560 |
Cash dividends to net income (ytd only)* | 88.5899% | 891 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7726% | 2,630 |
Loan loss allowance to noncurrent loans | 63.5466% | 4,215 |
Noncurrent assets plus other real estate owned to assets | 2.1914% | 3,142 |
Noncurrent loans to loans | 2.7895% | 2,767 |
Net loans and leases to total assets | 65.7744% | 4,213 |
Net loans and leases to deposits | 113.5742% | 273 |
Net loans and leases to core deposits | 133.4636% | 1,090 |
Total domestic deposits to total assets | 57.9132% | 7,834 |
Equity capital to assets | 8.9413% | 5,231 |
Core capital (leverage) ratio | 8.5483% | 5,203 |
Tier 1 risk-based capital ratio | 11.0048% | 5,910 |
Total risk-based capital ratio | 12.2578% | 5,876 |
Memoranda: | ||
Average total assets | $954,321,600 | 698 |
Average earning assets | $885,758,800 | 683 |
Average equity | $79,917,200 | 810 |
Average total loans | $649,786,800 | 721 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4937% | 4,444 |
Cost of funding earning assets | 1.9403% | 3,664 |
Net interest margin | 3.5535% | 4,658 |
Noninterest income to average assets | 0.9895% | 1,644 |
Noninterest expense to average assets | 2.5616% | 5,852 |
Loan and lease loss provision to assets | 0.7545% | 2,480 |
Net operating income to assets | 0.6954% | 3,227 |
Return on assets (ROA) | 0.7265% | 3,176 |
Pretax return on assets | 1.0280% | 2,813 |
Return on Equity (ROE) | 8.8295% | 2,326 |
Retained earnings to average equity (ytd only) | 1.9568% | 4,234 |
Net charge-offs to loans | 0.6853% | 2,642 |
Credit loss provision to net charge-offs | 161.0195% | 2,940 |
Earnings coverage of net charge-offs (x) | 3.6950% | 3,416 |
Efficiency ratio | 59.6334% | 6,465 |
Assets per employee ($millions) | 7.9394% | 526 |
Cash dividends to net income (ytd only)* | 77.8380% | 1,014 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7260% | 2,531 |
Loan loss allowance to noncurrent loans | 77.1251% | 3,538 |
Noncurrent assets plus other real estate owned to assets | 1.7157% | 3,802 |
Noncurrent loans to loans | 2.2380% | 3,336 |
Net loans and leases to total assets | 65.0669% | 4,634 |
Net loans and leases to deposits | 106.5379% | 625 |
Net loans and leases to core deposits | 128.1987% | 1,565 |
Total domestic deposits to total assets | 61.0739% | 7,849 |
Equity capital to assets | 9.1644% | 5,229 |
Core capital (leverage) ratio | 8.7245% | 5,090 |
Tier 1 risk-based capital ratio | 11.1998% | 5,757 |
Total risk-based capital ratio | 12.4524% | 5,700 |
Memoranda: | ||
Average total assets | $948,962,250 | 717 |
Average earning assets | $882,197,000 | 699 |
Average equity | $78,085,000 | 837 |
Average total loans | $648,888,000 | 740 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3637% | 5,331 |
Cost of funding earning assets | 1.9957% | 3,801 |
Net interest margin | 3.3680% | 5,291 |
Noninterest income to average assets | 0.9504% | 1,759 |
Noninterest expense to average assets | 2.5489% | 5,951 |
Loan and lease loss provision to assets | 0.7938% | 2,107 |
Net operating income to assets | 0.5489% | 3,886 |
Return on assets (ROA) | 0.5282% | 4,105 |
Pretax return on assets | 0.7117% | 3,961 |
Return on Equity (ROE) | 6.6827% | 3,344 |
Retained earnings to average equity (ytd only) | 0.4227% | 5,050 |
Net charge-offs to loans | 0.5190% | 2,766 |
Credit loss provision to net charge-offs | 221.2337% | 2,077 |
Earnings coverage of net charge-offs (x) | 4.2533% | 3,162 |
Efficiency ratio | 62.5131% | 6,163 |
Assets per employee ($millions) | 7.4491% | 628 |
Cash dividends to net income (ytd only)* | 93.6745% | 822 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7381% | 2,214 |
Loan loss allowance to noncurrent loans | 66.6090% | 4,100 |
Noncurrent assets plus other real estate owned to assets | 1.9453% | 3,276 |
Noncurrent loans to loans | 2.6095% | 2,773 |
Net loans and leases to total assets | 66.2221% | 4,526 |
Net loans and leases to deposits | 114.4013% | 380 |
Net loans and leases to core deposits | 144.3521% | 825 |
Total domestic deposits to total assets | 57.8858% | 7,982 |
Equity capital to assets | 7.7752% | 7,005 |
Core capital (leverage) ratio | 7.1441% | 7,416 |
Tier 1 risk-based capital ratio | 9.6028% | 7,313 |
Total risk-based capital ratio | 10.8561% | 7,263 |
Memoranda: | ||
Average total assets | $939,767,670 | 745 |
Average earning assets | $871,853,670 | 723 |
Average equity | $74,281,670 | 896 |
Average total loans | $649,661,330 | 760 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4130% | 5,354 |
Cost of funding earning assets | 2.0121% | 4,073 |
Net interest margin | 3.4009% | 5,140 |
Noninterest income to average assets | 0.8635% | 2,017 |
Noninterest expense to average assets | 2.3582% | 6,344 |
Loan and lease loss provision to assets | 0.7435% | 1,731 |
Net operating income to assets | 0.6654% | 3,729 |
Return on assets (ROA) | 0.6384% | 4,027 |
Pretax return on assets | 0.8880% | 3,759 |
Return on Equity (ROE) | 8.0102% | 3,149 |
Retained earnings to average equity (ytd only) | -2.7490% | 6,232 |
Net charge-offs to loans | 0.2456% | 3,171 |
Credit loss provision to net charge-offs | 432.4190% | 1,221 |
Earnings coverage of net charge-offs (x) | 9.6459% | 2,034 |
Efficiency ratio | 58.6678% | 6,598 |
Assets per employee ($millions) | 7.9585% | 512 |
Cash dividends to net income (ytd only)* | 134.3183% | 520 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6456% | 2,325 |
Loan loss allowance to noncurrent loans | 83.6105% | 3,546 |
Noncurrent assets plus other real estate owned to assets | 1.4961% | 3,689 |
Noncurrent loans to loans | 1.9682% | 3,307 |
Net loans and leases to total assets | 65.4488% | 4,718 |
Net loans and leases to deposits | 100.3368% | 1,367 |
Net loans and leases to core deposits | 123.8181% | 2,095 |
Total domestic deposits to total assets | 65.2291% | 7,777 |
Equity capital to assets | 7.7355% | 7,144 |
Core capital (leverage) ratio | 7.5524% | 7,089 |
Tier 1 risk-based capital ratio | 9.6280% | 7,310 |
Total risk-based capital ratio | 10.8803% | 7,244 |
Memoranda: | ||
Average total assets | $932,911,000 | 755 |
Average earning assets | $864,953,000 | 734 |
Average equity | $74,355,000 | 899 |
Average total loans | $653,200,000 | 758 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2081% | 4,476 |
Cost of funding earning assets | 2.5842% | 3,765 |
Net interest margin | 3.6239% | 4,770 |
Noninterest income to average assets | 0.9058% | 1,934 |
Noninterest expense to average assets | 2.4342% | 6,282 |
Loan and lease loss provision to assets | 0.4604% | 2,990 |
Net operating income to assets | 0.9206% | 2,913 |
Return on assets (ROA) | 0.9206% | 2,764 |
Pretax return on assets | 1.3385% | 2,174 |
Return on Equity (ROE) | 11.2951% | 1,818 |
Retained earnings to average equity (ytd only) | 0.2160% | 5,098 |
Net charge-offs to loans | 0.1390% | 4,833 |
Credit loss provision to net charge-offs | 444.8201% | 984 |
Earnings coverage of net charge-offs (x) | 17.3795% | 1,776 |
Efficiency ratio | 57.4663% | 6,789 |
Assets per employee ($millions) | 6.6482% | 829 |
Cash dividends to net income (ytd only)* | 98.0873% | 1,048 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3601% | 3,421 |
Loan loss allowance to noncurrent loans | 79.8128% | 4,128 |
Noncurrent assets plus other real estate owned to assets | 1.4507% | 3,317 |
Noncurrent loans to loans | 1.7042% | 3,218 |
Net loans and leases to total assets | 72.6577% | 3,447 |
Net loans and leases to deposits | 115.5727% | 541 |
Net loans and leases to core deposits | 136.9396% | 1,436 |
Total domestic deposits to total assets | 62.8675% | 7,841 |
Equity capital to assets | 8.2163% | 6,529 |
Core capital (leverage) ratio | 7.8794% | 6,686 |
Tier 1 risk-based capital ratio | 9.4901% | 7,316 |
Total risk-based capital ratio | 10.7217% | 7,256 |
Memoranda: | ||
Average total assets | $885,923,800 | 761 |
Average earning assets | $813,405,600 | 745 |
Average equity | $72,208,200 | 921 |
Average total loans | $659,590,800 | 717 |