Home > State Bank of Scotia > Performance and Condition Ratios
State Bank of Scotia, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5591% | 2,994 |
Cost of funding earning assets | 1.5855% | 1,726 |
Net interest margin | 2.9735% | 3,347 |
Noninterest income to average assets | 0.1600% | 3,995 |
Noninterest expense to average assets | 2.0910% | 3,428 |
Loan and lease loss provision to assets | 0.1700% | 757 |
Net operating income to assets | 0.6096% | 3,419 |
Return on assets (ROA) | 0.6096% | 3,405 |
Pretax return on assets | 0.7716% | 3,280 |
Return on Equity (ROE) | 3.0400% | 4,020 |
Retained earnings to average equity (ytd only) | 0.9585% | 3,846 |
Net charge-offs to loans | 0.0394% | 1,520 |
Credit loss provision to net charge-offs | 714.2857% | 521 |
Earnings coverage of net charge-offs (x) | 40.1429% | 1,446 |
Efficiency ratio | 69.0187% | 2,008 |
Assets per employee ($millions) | 8.8284% | 1,047 |
Cash dividends to net income (ytd only)* | 68.4932% | 894 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6015% | 172 |
Loan loss allowance to noncurrent loans | 64.9002% | 3,511 |
Noncurrent assets plus other real estate owned to assets | 2.5502% | 90 |
Noncurrent loans to loans | 4.0085% | 83 |
Net loans and leases to total assets | 57.1300% | 3,112 |
Net loans and leases to deposits | 71.1637% | 2,805 |
Net loans and leases to core deposits | 72.1836% | 3,178 |
Total domestic deposits to total assets | 80.2800% | 3,419 |
Equity capital to assets | 19.3854% | 301 |
Core capital (leverage) ratio | 19.5019% | 279 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 28.9666% | 274 |
Memoranda: | ||
Average total assets | $59,876,400 | 4,215 |
Average earning assets | $57,709,200 | 4,166 |
Average equity | $11,997,800 | 3,522 |
Average total loans | $35,492,000 | 4,060 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4450% | 3,013 |
Cost of funding earning assets | 1.3609% | 1,971 |
Net interest margin | 3.0841% | 3,167 |
Noninterest income to average assets | 0.1500% | 4,067 |
Noninterest expense to average assets | 1.9597% | 3,688 |
Loan and lease loss provision to assets | 0.1700% | 682 |
Net operating income to assets | 0.8126% | 2,987 |
Return on assets (ROA) | 0.8126% | 2,977 |
Pretax return on assets | 1.0034% | 2,852 |
Return on Equity (ROE) | 4.0200% | 3,977 |
Retained earnings to average equity (ytd only) | 2.7661% | 3,565 |
Net charge-offs to loans | 0.0491% | 1,187 |
Credit loss provision to net charge-offs | 576.9231% | 572 |
Earnings coverage of net charge-offs (x) | 40.1538% | 1,442 |
Efficiency ratio | 62.5806% | 2,652 |
Assets per employee ($millions) | 8.7229% | 1,038 |
Cash dividends to net income (ytd only)* | 31.2155% | 2,025 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4728% | 202 |
Loan loss allowance to noncurrent loans | 52.6950% | 3,615 |
Noncurrent assets plus other real estate owned to assets | 2.8562% | 77 |
Noncurrent loans to loans | 4.6926% | 59 |
Net loans and leases to total assets | 59.3600% | 2,903 |
Net loans and leases to deposits | 74.4011% | 2,531 |
Net loans and leases to core deposits | 75.4779% | 2,903 |
Total domestic deposits to total assets | 79.7900% | 3,560 |
Equity capital to assets | 19.8395% | 288 |
Core capital (leverage) ratio | 20.2379% | 269 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 29.1248% | 285 |
Memoranda: | ||
Average total assets | $59,395,750 | 4,236 |
Average earning assets | $57,411,750 | 4,188 |
Average equity | $12,002,250 | 3,522 |
Average total loans | $35,303,000 | 4,083 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3601% | 2,981 |
Cost of funding earning assets | 1.1779% | 2,057 |
Net interest margin | 3.1822% | 3,029 |
Noninterest income to average assets | 0.1400% | 4,111 |
Noninterest expense to average assets | 1.8898% | 3,840 |
Loan and lease loss provision to assets | 0.1700% | 642 |
Net operating income to assets | 0.8701% | 2,853 |
Return on assets (ROA) | 0.8701% | 2,846 |
Pretax return on assets | 1.1591% | 2,478 |
Return on Equity (ROE) | 4.2800% | 3,988 |
Retained earnings to average equity (ytd only) | 2.4070% | 3,622 |
Net charge-offs to loans | 0.0692% | 870 |
Credit loss provision to net charge-offs | 416.6667% | 714 |
Earnings coverage of net charge-offs (x) | 32.5833% | 1,511 |
Efficiency ratio | 58.7117% | 3,111 |
Assets per employee ($millions) | 8.3794% | 1,148 |
Cash dividends to net income (ytd only)* | 43.7500% | 1,546 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5253% | 216 |
Loan loss allowance to noncurrent loans | 51.7042% | 3,632 |
Noncurrent assets plus other real estate owned to assets | 2.9511% | 73 |
Noncurrent loans to loans | 4.8840% | 53 |
Net loans and leases to total assets | 58.9000% | 2,873 |
Net loans and leases to deposits | 74.3922% | 2,452 |
Net loans and leases to core deposits | 75.5109% | 2,792 |
Total domestic deposits to total assets | 79.1700% | 3,696 |
Equity capital to assets | 20.4736% | 271 |
Core capital (leverage) ratio | 20.3353% | 251 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 29.8320% | 261 |
Memoranda: | ||
Average total assets | $58,841,000 | 4,262 |
Average earning assets | $56,879,333 | 4,222 |
Average equity | $11,965,000 | 3,540 |
Average total loans | $34,682,333 | 4,104 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2348% | 2,963 |
Cost of funding earning assets | 1.0096% | 2,011 |
Net interest margin | 3.2252% | 3,055 |
Noninterest income to average assets | 0.1600% | 4,021 |
Noninterest expense to average assets | 1.8190% | 3,995 |
Loan and lease loss provision to assets | 0.1700% | 639 |
Net operating income to assets | 1.0588% | 2,353 |
Return on assets (ROA) | 1.0588% | 2,323 |
Pretax return on assets | 1.2964% | 2,189 |
Return on Equity (ROE) | 5.2200% | 3,855 |
Retained earnings to average equity (ytd only) | 5.2248% | 2,966 |
Net charge-offs to loans | 0.1283% | 511 |
Credit loss provision to net charge-offs | 227.2727% | 777 |
Earnings coverage of net charge-offs (x) | 19.6364% | 1,459 |
Efficiency ratio | 55.3719% | 3,472 |
Assets per employee ($millions) | 11.7730% | 425 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5525% | 213 |
Loan loss allowance to noncurrent loans | 53.4684% | 3,679 |
Noncurrent assets plus other real estate owned to assets | 2.7673% | 67 |
Noncurrent loans to loans | 4.7739% | 62 |
Net loans and leases to total assets | 56.4900% | 3,005 |
Net loans and leases to deposits | 71.1638% | 2,531 |
Net loans and leases to core deposits | 72.2179% | 2,804 |
Total domestic deposits to total assets | 79.3800% | 3,848 |
Equity capital to assets | 20.4213% | 222 |
Core capital (leverage) ratio | 19.8635% | 268 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 30.3987% | 255 |
Memoranda: | ||
Average total assets | $58,933,500 | 4,318 |
Average earning assets | $57,050,500 | 4,274 |
Average equity | $11,943,000 | 3,577 |
Average total loans | $34,302,500 | 4,166 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9587% | 1,829 |
Cost of funding earning assets | 0.6571% | 699 |
Net interest margin | 3.3016% | 2,560 |
Noninterest income to average assets | 0.1200% | 4,342 |
Noninterest expense to average assets | 1.8852% | 3,864 |
Loan and lease loss provision to assets | 0.1700% | 670 |
Net operating income to assets | 0.8561% | 3,128 |
Return on assets (ROA) | 0.8561% | 3,064 |
Pretax return on assets | 1.2414% | 2,307 |
Return on Equity (ROE) | 4.2500% | 4,122 |
Retained earnings to average equity (ytd only) | 2.3385% | 3,906 |
Net charge-offs to loans | 0.2538% | 315 |
Credit loss provision to net charge-offs | 114.9425% | 1,485 |
Earnings coverage of net charge-offs (x) | 9.4828% | 2,223 |
Efficiency ratio | 57.1651% | 3,447 |
Assets per employee ($millions) | 11.8004% | 412 |
Cash dividends to net income (ytd only)* | 45.0000% | 1,645 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4854% | 214 |
Loan loss allowance to noncurrent loans | 53.8655% | 3,668 |
Noncurrent assets plus other real estate owned to assets | 2.6965% | 68 |
Noncurrent loans to loans | 4.6140% | 64 |
Net loans and leases to total assets | 56.9900% | 2,916 |
Net loans and leases to deposits | 71.4422% | 2,454 |
Net loans and leases to core deposits | 72.0824% | 2,719 |
Total domestic deposits to total assets | 79.7700% | 3,911 |
Equity capital to assets | 20.1095% | 227 |
Core capital (leverage) ratio | 19.5863% | 274 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 29.2889% | 256 |
Memoranda: | ||
Average total assets | $58,403,400 | 4,348 |
Average earning assets | $56,154,800 | 4,307 |
Average equity | $11,759,800 | 3,686 |
Average total loans | $34,275,800 | 4,163 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9677% | 1,335 |
Cost of funding earning assets | 0.6144% | 401 |
Net interest margin | 3.3533% | 2,126 |
Noninterest income to average assets | 0.1500% | 4,253 |
Noninterest expense to average assets | 1.7738% | 4,029 |
Loan and lease loss provision to assets | 0.1700% | 564 |
Net operating income to assets | 0.9430% | 2,689 |
Return on assets (ROA) | 0.9430% | 2,657 |
Pretax return on assets | 1.4236% | 1,649 |
Return on Equity (ROE) | 4.6800% | 4,039 |
Retained earnings to average equity (ytd only) | 3.3976% | 3,669 |
Net charge-offs to loans | 0.1519% | 429 |
Credit loss provision to net charge-offs | 192.3077% | 998 |
Earnings coverage of net charge-offs (x) | 17.8718% | 1,777 |
Efficiency ratio | 52.6495% | 3,960 |
Assets per employee ($millions) | 12.1746% | 363 |
Cash dividends to net income (ytd only)* | 27.4272% | 2,143 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4703% | 240 |
Loan loss allowance to noncurrent loans | 45.7856% | 3,804 |
Noncurrent assets plus other real estate owned to assets | 3.1574% | 45 |
Noncurrent loans to loans | 5.3954% | 48 |
Net loans and leases to total assets | 57.0700% | 2,790 |
Net loans and leases to deposits | 71.1801% | 2,269 |
Net loans and leases to core deposits | 71.7934% | 2,499 |
Total domestic deposits to total assets | 80.1800% | 4,083 |
Equity capital to assets | 19.5308% | 231 |
Core capital (leverage) ratio | 20.2039% | 230 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 28.4802% | 280 |
Memoranda: | ||
Average total assets | $58,253,750 | 4,387 |
Average earning assets | $55,984,000 | 4,349 |
Average equity | $11,733,500 | 3,741 |
Average total loans | $34,224,250 | 4,191 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9219% | 1,076 |
Cost of funding earning assets | 0.5992% | 273 |
Net interest margin | 3.3227% | 1,841 |
Noninterest income to average assets | 0.1429% | 4,304 |
Noninterest expense to average assets | 1.8020% | 3,949 |
Loan and lease loss provision to assets | 0.1743% | 509 |
Net operating income to assets | 0.8853% | 2,644 |
Return on assets (ROA) | 0.8853% | 2,616 |
Pretax return on assets | 1.3559% | 1,567 |
Return on Equity (ROE) | 4.3487% | 3,950 |
Retained earnings to average equity (ytd only) | 2.4140% | 3,641 |
Net charge-offs to loans | 0.2251% | 287 |
Credit loss provision to net charge-offs | 131.5789% | 1,150 |
Earnings coverage of net charge-offs (x) | 11.5526% | 1,728 |
Efficiency ratio | 54.0795% | 3,960 |
Assets per employee ($millions) | 10.0337% | 649 |
Cash dividends to net income (ytd only)* | 44.4882% | 1,546 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.5477% | 243 |
Loan loss allowance to noncurrent loans | 66.3052% | 3,669 |
Noncurrent assets plus other real estate owned to assets | 2.1444% | 116 |
Noncurrent loans to loans | 3.8424% | 97 |
Net loans and leases to total assets | 54.3886% | 2,921 |
Net loans and leases to deposits | 67.6774% | 2,412 |
Net loans and leases to core deposits | 68.2644% | 2,628 |
Total domestic deposits to total assets | 80.3644% | 4,195 |
Equity capital to assets | 19.4861% | 180 |
Core capital (leverage) ratio | 19.8766% | 198 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 29.2745% | 241 |
Memoranda: | ||
Average total assets | $57,380,667 | 4,444 |
Average earning assets | $55,076,000 | 4,415 |
Average equity | $11,681,667 | 3,815 |
Average total loans | $33,758,000 | 4,249 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9429% | 858 |
Cost of funding earning assets | 0.5952% | 271 |
Net interest margin | 3.3478% | 1,449 |
Noninterest income to average assets | 0.1501% | 4,251 |
Noninterest expense to average assets | 1.7652% | 4,021 |
Loan and lease loss provision to assets | 0.1787% | 427 |
Net operating income to assets | 0.9577% | 2,041 |
Return on assets (ROA) | 0.9577% | 2,036 |
Pretax return on assets | 1.4222% | 1,196 |
Return on Equity (ROE) | 4.5981% | 3,732 |
Retained earnings to average equity (ytd only) | 4.5981% | 2,740 |
Net charge-offs to loans | -0.0355% | 4,148 |
Credit loss provision to net charge-offs | -833.3333% | 3,241 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.4416% | 4,167 |
Assets per employee ($millions) | 9.4823% | 777 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6628% | 240 |
Loan loss allowance to noncurrent loans | 97.3214% | 3,413 |
Noncurrent assets plus other real estate owned to assets | 1.5749% | 224 |
Noncurrent loans to loans | 2.7360% | 207 |
Net loans and leases to total assets | 56.0270% | 2,523 |
Net loans and leases to deposits | 70.7711% | 1,884 |
Net loans and leases to core deposits | 71.4292% | 2,163 |
Total domestic deposits to total assets | 79.1665% | 4,341 |
Equity capital to assets | 20.6067% | 148 |
Core capital (leverage) ratio | 20.2236% | 160 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 30.5351% | 214 |
Memoranda: | ||
Average total assets | $55,970,000 | 4,482 |
Average earning assets | $53,767,000 | 4,445 |
Average equity | $11,657,000 | 3,891 |
Average total loans | $33,837,500 | 4,265 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7164% | 411 |
Cost of funding earning assets | 0.6474% | 424 |
Net interest margin | 4.0690% | 627 |
Noninterest income to average assets | 0.1496% | 4,401 |
Noninterest expense to average assets | 1.8149% | 4,116 |
Loan and lease loss provision to assets | 0.1846% | 614 |
Net operating income to assets | 1.7466% | 574 |
Return on assets (ROA) | 1.7466% | 596 |
Pretax return on assets | 2.0605% | 543 |
Return on Equity (ROE) | 8.3803% | 3,112 |
Retained earnings to average equity (ytd only) | 6.3871% | 2,181 |
Net charge-offs to loans | -0.0236% | 4,036 |
Credit loss provision to net charge-offs | -1,111.1111% | 3,944 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 44.7021% | 4,546 |
Assets per employee ($millions) | 9.1743% | 868 |
Cash dividends to net income (ytd only)* | 23.7844% | 2,856 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4165% | 312 |
Loan loss allowance to noncurrent loans | 187.9733% | 2,686 |
Noncurrent assets plus other real estate owned to assets | 0.8157% | 734 |
Noncurrent loans to loans | 1.2855% | 741 |
Net loans and leases to total assets | 61.9173% | 1,951 |
Net loans and leases to deposits | 78.8101% | 1,318 |
Net loans and leases to core deposits | 79.5718% | 1,634 |
Total domestic deposits to total assets | 78.5652% | 4,350 |
Equity capital to assets | 21.0551% | 152 |
Core capital (leverage) ratio | 20.6290% | 154 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 29.8525% | 241 |
Memoranda: | ||
Average total assets | $54,162,400 | 4,516 |
Average earning assets | $52,052,600 | 4,487 |
Average equity | $11,288,400 | 4,007 |
Average total loans | $38,208,800 | 4,227 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8673% | 369 |
Cost of funding earning assets | 0.6572% | 482 |
Net interest margin | 4.2101% | 535 |
Noninterest income to average assets | 0.1483% | 4,452 |
Noninterest expense to average assets | 1.5918% | 4,474 |
Loan and lease loss provision to assets | 0.1854% | 571 |
Net operating income to assets | 1.8538% | 611 |
Return on assets (ROA) | 1.8538% | 633 |
Pretax return on assets | 2.4248% | 377 |
Return on Equity (ROE) | 8.9180% | 3,130 |
Retained earnings to average equity (ytd only) | 7.5744% | 2,190 |
Net charge-offs to loans | -0.0239% | 4,042 |
Credit loss provision to net charge-offs | -1,071.4286% | 3,870 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 37.8824% | 4,768 |
Assets per employee ($millions) | 9.2350% | 824 |
Cash dividends to net income (ytd only)* | 15.0667% | 2,774 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2263% | 436 |
Loan loss allowance to noncurrent loans | 530.5195% | 1,305 |
Noncurrent assets plus other real estate owned to assets | 0.2779% | 2,390 |
Noncurrent loans to loans | 0.4196% | 2,304 |
Net loans and leases to total assets | 64.7555% | 1,684 |
Net loans and leases to deposits | 82.4509% | 1,070 |
Net loans and leases to core deposits | 82.4509% | 1,538 |
Total domestic deposits to total assets | 78.5382% | 4,372 |
Equity capital to assets | 20.7652% | 161 |
Core capital (leverage) ratio | 20.4413% | 166 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 28.6343% | 284 |
Memoranda: | ||
Average total assets | $53,941,500 | 4,583 |
Average earning assets | $51,937,250 | 4,549 |
Average equity | $11,213,000 | 4,066 |
Average total loans | $39,029,250 | 4,275 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1617% | 268 |
Cost of funding earning assets | 0.6812% | 504 |
Net interest margin | 4.4805% | 364 |
Noninterest income to average assets | 0.1459% | 4,468 |
Noninterest expense to average assets | 1.5079% | 4,614 |
Loan and lease loss provision to assets | 0.1871% | 605 |
Net operating income to assets | 2.0991% | 408 |
Return on assets (ROA) | 2.0991% | 426 |
Pretax return on assets | 2.7576% | 240 |
Return on Equity (ROE) | 10.0942% | 2,709 |
Retained earnings to average equity (ytd only) | 8.0609% | 2,050 |
Net charge-offs to loans | -0.0301% | 4,156 |
Credit loss provision to net charge-offs | -833.3333% | 3,598 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 33.8655% | 4,875 |
Assets per employee ($millions) | 14.1435% | 231 |
Cash dividends to net income (ytd only)* | 20.1426% | 2,507 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0917% | 512 |
Loan loss allowance to noncurrent loans | 725.6881% | 946 |
Noncurrent assets plus other real estate owned to assets | 0.1927% | 2,991 |
Noncurrent loans to loans | 0.2882% | 2,895 |
Net loans and leases to total assets | 65.4470% | 1,762 |
Net loans and leases to deposits | 82.4137% | 1,188 |
Net loans and leases to core deposits | 82.4137% | 1,688 |
Total domestic deposits to total assets | 79.4128% | 4,301 |
Equity capital to assets | 20.0039% | 187 |
Core capital (leverage) ratio | 20.2346% | 170 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 28.1068% | 298 |
Memoranda: | ||
Average total assets | $53,452,000 | 4,617 |
Average earning assets | $51,378,333 | 4,582 |
Average equity | $11,115,333 | 4,088 |
Average total loans | $39,806,333 | 4,284 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3805% | 216 |
Cost of funding earning assets | 0.7571% | 433 |
Net interest margin | 4.6233% | 306 |
Noninterest income to average assets | 0.1542% | 4,431 |
Noninterest expense to average assets | 1.4184% | 4,725 |
Loan and lease loss provision to assets | 0.1927% | 639 |
Net operating income to assets | 2.2432% | 386 |
Return on assets (ROA) | 2.2432% | 420 |
Pretax return on assets | 2.9678% | 240 |
Return on Equity (ROE) | 10.5679% | 2,507 |
Retained earnings to average equity (ytd only) | 10.5679% | 1,498 |
Net charge-offs to loans | -0.0392% | 4,300 |
Credit loss provision to net charge-offs | -625.0000% | 3,233 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 30.9764% | 4,903 |
Assets per employee ($millions) | 13.4863% | 255 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8593% | 785 |
Loan loss allowance to noncurrent loans | 931.7073% | 716 |
Noncurrent assets plus other real estate owned to assets | 0.1520% | 3,404 |
Noncurrent loans to loans | 0.1996% | 3,392 |
Net loans and leases to total assets | 74.7558% | 740 |
Net loans and leases to deposits | 95.4305% | 428 |
Net loans and leases to core deposits | 95.4305% | 909 |
Total domestic deposits to total assets | 78.3353% | 4,406 |
Equity capital to assets | 20.6877% | 161 |
Core capital (leverage) ratio | 20.7085% | 162 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.4206% | 343 |
Memoranda: | ||
Average total assets | $51,891,000 | 4,652 |
Average earning assets | $49,661,000 | 4,624 |
Average equity | $11,014,500 | 4,108 |
Average total loans | $40,801,000 | 4,286 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8243% | 704 |
Cost of funding earning assets | 0.9287% | 769 |
Net interest margin | 3.8957% | 1,222 |
Noninterest income to average assets | 0.1278% | 4,640 |
Noninterest expense to average assets | 2.1630% | 3,776 |
Loan and lease loss provision to assets | 0.2029% | 1,934 |
Net operating income to assets | 1.1647% | 1,665 |
Return on assets (ROA) | 1.1647% | 1,782 |
Pretax return on assets | 1.4731% | 1,430 |
Return on Equity (ROE) | 5.3467% | 3,799 |
Retained earnings to average equity (ytd only) | 3.3626% | 3,146 |
Net charge-offs to loans | 0.0627% | 1,882 |
Credit loss provision to net charge-offs | 416.6667% | 1,393 |
Earnings coverage of net charge-offs (x) | 34.4167% | 1,490 |
Efficiency ratio | 56.3425% | 3,945 |
Assets per employee ($millions) | 8.3062% | 936 |
Cash dividends to net income (ytd only)* | 37.1080% | 2,498 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8143% | 831 |
Loan loss allowance to noncurrent loans | 465.1899% | 1,204 |
Noncurrent assets plus other real estate owned to assets | 0.3170% | 2,726 |
Noncurrent loans to loans | 0.3900% | 2,813 |
Net loans and leases to total assets | 79.8122% | 443 |
Net loans and leases to deposits | 103.1910% | 277 |
Net loans and leases to core deposits | 103.1910% | 760 |
Total domestic deposits to total assets | 77.3441% | 4,380 |
Equity capital to assets | 21.8091% | 142 |
Core capital (leverage) ratio | 21.1414% | 148 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 26.0899% | 349 |
Memoranda: | ||
Average total assets | $49,283,200 | 4,663 |
Average earning assets | $46,949,400 | 4,637 |
Average equity | $10,735,600 | 4,117 |
Average total loans | $38,274,800 | 4,347 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7650% | 933 |
Cost of funding earning assets | 0.9530% | 897 |
Net interest margin | 3.8120% | 1,586 |
Noninterest income to average assets | 0.1194% | 4,687 |
Noninterest expense to average assets | 1.9642% | 4,225 |
Loan and lease loss provision to assets | 0.2035% | 1,968 |
Net operating income to assets | 1.2100% | 1,611 |
Return on assets (ROA) | 1.2100% | 1,734 |
Pretax return on assets | 1.5871% | 1,220 |
Return on Equity (ROE) | 5.5563% | 3,702 |
Retained earnings to average equity (ytd only) | 4.3105% | 2,891 |
Net charge-offs to loans | 0.0848% | 1,462 |
Credit loss provision to net charge-offs | 312.5000% | 1,724 |
Earnings coverage of net charge-offs (x) | 27.5000% | 1,661 |
Efficiency ratio | 52.3121% | 4,312 |
Assets per employee ($millions) | 8.5157% | 839 |
Cash dividends to net income (ytd only)* | 22.4215% | 2,683 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7868% | 749 |
Loan loss allowance to noncurrent loans | 142.0000% | 2,796 |
Noncurrent assets plus other real estate owned to assets | 0.9786% | 1,141 |
Noncurrent loans to loans | 1.2583% | 1,191 |
Net loans and leases to total assets | 76.3788% | 1,049 |
Net loans and leases to deposits | 98.2676% | 610 |
Net loans and leases to core deposits | 99.5739% | 1,186 |
Total domestic deposits to total assets | 77.7254% | 4,239 |
Equity capital to assets | 21.2432% | 166 |
Core capital (leverage) ratio | 21.2682% | 159 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 27.1041% | 328 |
Memoranda: | ||
Average total assets | $49,144,750 | 4,685 |
Average earning assets | $46,868,000 | 4,654 |
Average equity | $10,702,250 | 4,126 |
Average total loans | $37,715,750 | 4,377 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7832% | 1,212 |
Cost of funding earning assets | 1.0017% | 983 |
Net interest margin | 3.7814% | 1,884 |
Noninterest income to average assets | 0.0907% | 4,809 |
Noninterest expense to average assets | 1.6620% | 4,720 |
Loan and lease loss provision to assets | 0.2062% | 1,990 |
Net operating income to assets | 1.3940% | 1,128 |
Return on assets (ROA) | 1.3940% | 1,219 |
Pretax return on assets | 1.8187% | 784 |
Return on Equity (ROE) | 6.3464% | 3,381 |
Retained earnings to average equity (ytd only) | 4.4688% | 2,721 |
Net charge-offs to loans | 0.1350% | 1,039 |
Credit loss provision to net charge-offs | 200.0000% | 1,910 |
Earnings coverage of net charge-offs (x) | 19.6400% | 1,711 |
Efficiency ratio | 45.0783% | 4,770 |
Assets per employee ($millions) | 10.0640% | 487 |
Cash dividends to net income (ytd only)* | 29.5858% | 2,384 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7537% | 727 |
Loan loss allowance to noncurrent loans | 71.5481% | 3,689 |
Noncurrent assets plus other real estate owned to assets | 2.0012% | 353 |
Noncurrent loans to loans | 2.4510% | 486 |
Net loans and leases to total assets | 76.1526% | 1,113 |
Net loans and leases to deposits | 98.0402% | 655 |
Net loans and leases to core deposits | 99.3621% | 1,306 |
Total domestic deposits to total assets | 77.6749% | 4,232 |
Equity capital to assets | 21.3553% | 165 |
Core capital (leverage) ratio | 21.8171% | 152 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 27.1673% | 329 |
Memoranda: | ||
Average total assets | $48,495,000 | 4,711 |
Average earning assets | $46,120,000 | 4,685 |
Average equity | $10,651,667 | 4,145 |
Average total loans | $37,042,667 | 4,407 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8209% | 1,370 |
Cost of funding earning assets | 1.0723% | 1,131 |
Net interest margin | 3.7486% | 2,149 |
Noninterest income to average assets | 0.1597% | 4,576 |
Noninterest expense to average assets | 1.5048% | 4,920 |
Loan and lease loss provision to assets | 0.2102% | 1,458 |
Net operating income to assets | 1.6224% | 593 |
Return on assets (ROA) | 1.6224% | 654 |
Pretax return on assets | 2.0007% | 446 |
Return on Equity (ROE) | 7.2799% | 2,840 |
Retained earnings to average equity (ytd only) | 7.2799% | 1,450 |
Net charge-offs to loans | 0.0222% | 1,922 |
Credit loss provision to net charge-offs | 1,250.0000% | 485 |
Earnings coverage of net charge-offs (x) | 131.5000% | 474 |
Efficiency ratio | 40.4977% | 4,973 |
Assets per employee ($millions) | 9.6982% | 423 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8654% | 646 |
Loan loss allowance to noncurrent loans | 115.3976% | 3,013 |
Noncurrent assets plus other real estate owned to assets | 1.2765% | 927 |
Noncurrent loans to loans | 1.6165% | 959 |
Net loans and leases to total assets | 73.9910% | 1,605 |
Net loans and leases to deposits | 96.4411% | 866 |
Net loans and leases to core deposits | 97.8003% | 1,649 |
Total domestic deposits to total assets | 76.7215% | 4,389 |
Equity capital to assets | 22.0680% | 172 |
Core capital (leverage) ratio | 22.2321% | 164 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 28.8079% | 311 |
Memoranda: | ||
Average total assets | $47,582,500 | 4,749 |
Average earning assets | $45,137,000 | 4,719 |
Average equity | $10,604,500 | 4,163 |
Average total loans | $36,062,000 | 4,450 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0234% | 1,416 |
Cost of funding earning assets | 1.0370% | 1,572 |
Net interest margin | 3.9864% | 1,892 |
Noninterest income to average assets | 0.1175% | 4,868 |
Noninterest expense to average assets | 2.0529% | 4,446 |
Loan and lease loss provision to assets | 0.2217% | 875 |
Net operating income to assets | 1.2570% | 1,843 |
Return on assets (ROA) | 1.2570% | 1,927 |
Pretax return on assets | 1.6184% | 1,433 |
Return on Equity (ROE) | 5.4667% | 4,076 |
Retained earnings to average equity (ytd only) | 3.6638% | 3,162 |
Net charge-offs to loans | 0.2344% | 873 |
Credit loss provision to net charge-offs | 119.0476% | 2,127 |
Earnings coverage of net charge-offs (x) | 9.8810% | 2,620 |
Efficiency ratio | 52.7335% | 4,550 |
Assets per employee ($millions) | 9.3348% | 445 |
Cash dividends to net income (ytd only)* | 32.9806% | 2,944 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8530% | 599 |
Loan loss allowance to noncurrent loans | 194.9704% | 2,137 |
Noncurrent assets plus other real estate owned to assets | 0.7242% | 1,792 |
Noncurrent loans to loans | 0.9504% | 1,612 |
Net loans and leases to total assets | 74.7825% | 1,618 |
Net loans and leases to deposits | 98.0697% | 757 |
Net loans and leases to core deposits | 99.5096% | 1,604 |
Total domestic deposits to total assets | 76.2544% | 4,573 |
Equity capital to assets | 22.5136% | 166 |
Core capital (leverage) ratio | 22.2020% | 169 |
Tier 1 risk-based capital ratio | 27.5996% | 584 |
Total risk-based capital ratio | 28.8551% | 572 |
Memoranda: | ||
Average total assets | $45,106,200 | 4,830 |
Average earning assets | $42,719,800 | 4,804 |
Average equity | $10,371,800 | 4,191 |
Average total loans | $35,828,600 | 4,508 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0117% | 1,503 |
Cost of funding earning assets | 1.0068% | 1,732 |
Net interest margin | 4.0050% | 1,918 |
Noninterest income to average assets | 0.2087% | 4,473 |
Noninterest expense to average assets | 1.7801% | 4,843 |
Loan and lease loss provision to assets | 0.2236% | 770 |
Net operating income to assets | 1.4849% | 1,229 |
Return on assets (ROA) | 1.4849% | 1,287 |
Pretax return on assets | 2.0008% | 684 |
Return on Equity (ROE) | 6.4229% | 3,912 |
Retained earnings to average equity (ytd only) | 5.3009% | 2,731 |
Net charge-offs to loans | 0.3157% | 549 |
Credit loss provision to net charge-offs | 88.2353% | 2,412 |
Earnings coverage of net charge-offs (x) | 8.7765% | 2,630 |
Efficiency ratio | 44.4527% | 4,994 |
Assets per employee ($millions) | 9.3894% | 420 |
Cash dividends to net income (ytd only)* | 17.4704% | 3,136 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6962% | 832 |
Loan loss allowance to noncurrent loans | 184.0116% | 2,224 |
Noncurrent assets plus other real estate owned to assets | 0.8478% | 1,617 |
Noncurrent loans to loans | 0.9218% | 1,738 |
Net loans and leases to total assets | 78.1413% | 1,114 |
Net loans and leases to deposits | 102.6642% | 467 |
Net loans and leases to core deposits | 104.1566% | 1,313 |
Total domestic deposits to total assets | 76.1135% | 4,642 |
Equity capital to assets | 22.4487% | 172 |
Core capital (leverage) ratio | 22.4588% | 166 |
Tier 1 risk-based capital ratio | 27.1666% | 627 |
Total risk-based capital ratio | 28.4219% | 613 |
Memoranda: | ||
Average total assets | $44,714,250 | 4,902 |
Average earning assets | $42,379,500 | 4,877 |
Average equity | $10,337,750 | 4,241 |
Average total loans | $35,895,000 | 4,564 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9041% | 1,741 |
Cost of funding earning assets | 0.9309% | 2,008 |
Net interest margin | 3.9732% | 2,005 |
Noninterest income to average assets | 0.2183% | 4,438 |
Noninterest expense to average assets | 1.7194% | 4,959 |
Loan and lease loss provision to assets | 0.2274% | 721 |
Net operating income to assets | 1.5010% | 1,146 |
Return on assets (ROA) | 1.5010% | 1,196 |
Pretax return on assets | 2.0378% | 631 |
Return on Equity (ROE) | 6.4261% | 3,899 |
Retained earnings to average equity (ytd only) | 4.7319% | 2,896 |
Net charge-offs to loans | 0.4856% | 325 |
Credit loss provision to net charge-offs | 58.1395% | 2,415 |
Earnings coverage of net charge-offs (x) | 5.7907% | 2,616 |
Efficiency ratio | 43.1507% | 5,091 |
Assets per employee ($millions) | 9.3714% | 409 |
Cash dividends to net income (ytd only)* | 26.3636% | 2,790 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6505% | 922 |
Loan loss allowance to noncurrent loans | 97.7456% | 3,369 |
Noncurrent assets plus other real estate owned to assets | 1.4149% | 833 |
Noncurrent loans to loans | 1.6886% | 905 |
Net loans and leases to total assets | 77.1902% | 1,357 |
Net loans and leases to deposits | 100.8392% | 617 |
Net loans and leases to core deposits | 102.2908% | 1,528 |
Total domestic deposits to total assets | 76.5478% | 4,617 |
Equity capital to assets | 22.1333% | 174 |
Core capital (leverage) ratio | 22.6031% | 158 |
Tier 1 risk-based capital ratio | 26.9783% | 623 |
Total risk-based capital ratio | 28.2321% | 609 |
Memoranda: | ||
Average total assets | $43,970,000 | 4,953 |
Average earning assets | $41,679,000 | 4,933 |
Average equity | $10,270,670 | 4,265 |
Average total loans | $35,420,670 | 4,611 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8608% | 1,725 |
Cost of funding earning assets | 0.7885% | 2,600 |
Net interest margin | 4.0723% | 1,629 |
Noninterest income to average assets | 0.1881% | 4,625 |
Noninterest expense to average assets | 1.5614% | 5,127 |
Loan and lease loss provision to assets | 0.2351% | 640 |
Net operating income to assets | 1.7401% | 674 |
Return on assets (ROA) | 1.7401% | 697 |
Pretax return on assets | 2.2292% | 420 |
Return on Equity (ROE) | 7.2404% | 3,576 |
Retained earnings to average equity (ytd only) | 7.2404% | 1,953 |
Net charge-offs to loans | 0.2763% | 535 |
Credit loss provision to net charge-offs | 104.1667% | 1,537 |
Earnings coverage of net charge-offs (x) | 10.9167% | 1,939 |
Efficiency ratio | 38.7850% | 5,230 |
Assets per employee ($millions) | 8.5848% | 544 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8200% | 681 |
Loan loss allowance to noncurrent loans | 126.0274% | 2,981 |
Noncurrent assets plus other real estate owned to assets | 1.3349% | 960 |
Noncurrent loans to loans | 1.4441% | 1,118 |
Net loans and leases to total assets | 80.9361% | 718 |
Net loans and leases to deposits | 112.8467% | 164 |
Net loans and leases to core deposits | 114.7363% | 698 |
Total domestic deposits to total assets | 71.7221% | 5,054 |
Equity capital to assets | 24.0262% | 129 |
Core capital (leverage) ratio | 24.2790% | 126 |
Tier 1 risk-based capital ratio | 28.0009% | 558 |
Total risk-based capital ratio | 29.2580% | 542 |
Memoranda: | ||
Average total assets | $42,526,500 | 5,022 |
Average earning assets | $40,076,000 | 5,001 |
Average equity | $10,220,500 | 4,295 |
Average total loans | $34,743,000 | 4,676 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0576% | 934 |
Cost of funding earning assets | 0.7075% | 2,046 |
Net interest margin | 4.3501% | 1,038 |
Noninterest income to average assets | 0.2451% | 4,452 |
Noninterest expense to average assets | 2.4773% | 3,679 |
Loan and lease loss provision to assets | 0.2380% | 747 |
Net operating income to assets | 1.3041% | 1,782 |
Return on assets (ROA) | 1.3041% | 1,770 |
Pretax return on assets | 1.6563% | 1,293 |
Return on Equity (ROE) | 5.4759% | 4,334 |
Retained earnings to average equity (ytd only) | 3.7272% | 3,523 |
Net charge-offs to loans | 0.0358% | 2,685 |
Credit loss provision to net charge-offs | 833.3333% | 431 |
Earnings coverage of net charge-offs (x) | 66.3333% | 962 |
Efficiency ratio | 56.6685% | 4,324 |
Assets per employee ($millions) | 8.4258% | 571 |
Cash dividends to net income (ytd only)* | 31.9343% | 2,954 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8856% | 587 |
Loan loss allowance to noncurrent loans | 206.0897% | 2,185 |
Noncurrent assets plus other real estate owned to assets | 0.8877% | 1,571 |
Noncurrent loans to loans | 0.9149% | 1,754 |
Net loans and leases to total assets | 79.4180% | 1,034 |
Net loans and leases to deposits | 109.8280% | 258 |
Net loans and leases to core deposits | 111.6756% | 896 |
Total domestic deposits to total assets | 72.3112% | 5,056 |
Equity capital to assets | 24.0404% | 124 |
Core capital (leverage) ratio | 23.3203% | 138 |
Tier 1 risk-based capital ratio | 27.7305% | 581 |
Total risk-based capital ratio | 28.9872% | 568 |
Memoranda: | ||
Average total assets | $42,022,400 | 5,072 |
Average earning assets | $39,861,000 | 5,047 |
Average equity | $10,007,400 | 4,296 |
Average total loans | $33,518,600 | 4,733 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9365% | 1,080 |
Cost of funding earning assets | 0.6676% | 2,048 |
Net interest margin | 4.2690% | 1,186 |
Noninterest income to average assets | 0.2540% | 4,453 |
Noninterest expense to average assets | 1.9271% | 4,864 |
Loan and lease loss provision to assets | 0.2381% | 675 |
Net operating income to assets | 1.6446% | 852 |
Return on assets (ROA) | 1.6446% | 863 |
Pretax return on assets | 2.1494% | 433 |
Return on Equity (ROE) | 6.9222% | 3,959 |
Retained earnings to average equity (ytd only) | 5.7596% | 2,786 |
Net charge-offs to loans | 0.0519% | 2,088 |
Credit loss provision to net charge-offs | 576.9231% | 620 |
Earnings coverage of net charge-offs (x) | 57.8557% | 1,077 |
Efficiency ratio | 44.6652% | 5,199 |
Assets per employee ($millions) | 8.5606% | 519 |
Cash dividends to net income (ytd only)* | 16.7958% | 3,137 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7267% | 827 |
Loan loss allowance to noncurrent loans | 100.8170% | 3,440 |
Noncurrent assets plus other real estate owned to assets | 1.4298% | 925 |
Noncurrent loans to loans | 1.7127% | 910 |
Net loans and leases to total assets | 82.0410% | 710 |
Net loans and leases to deposits | 110.1471% | 282 |
Net loans and leases to core deposits | 112.8116% | 876 |
Total domestic deposits to total assets | 74.4831% | 4,937 |
Equity capital to assets | 23.7974% | 129 |
Core capital (leverage) ratio | 23.9108% | 125 |
Tier 1 risk-based capital ratio | 27.3641% | 604 |
Total risk-based capital ratio | 28.6186% | 596 |
Memoranda: | ||
Average total assets | $41,995,750 | 5,138 |
Average earning assets | $39,946,000 | 5,112 |
Average equity | $9,977,250 | 4,337 |
Average total loans | $33,373,000 | 4,786 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9223% | 968 |
Cost of funding earning assets | 0.6374% | 2,004 |
Net interest margin | 4.2848% | 1,064 |
Noninterest income to average assets | 0.2684% | 4,390 |
Noninterest expense to average assets | 1.8405% | 5,047 |
Loan and lease loss provision to assets | 0.2397% | 657 |
Net operating income to assets | 1.7303% | 681 |
Return on assets (ROA) | 1.7303% | 682 |
Pretax return on assets | 2.2480% | 357 |
Return on Equity (ROE) | 7.2873% | 3,798 |
Retained earnings to average equity (ytd only) | 5.5109% | 2,817 |
Net charge-offs to loans | 0.1228% | 1,195 |
Credit loss provision to net charge-offs | 250.0000% | 1,136 |
Earnings coverage of net charge-offs (x) | 25.9500% | 1,618 |
Efficiency ratio | 42.5249% | 5,327 |
Assets per employee ($millions) | 8.5070% | 521 |
Cash dividends to net income (ytd only)* | 24.3767% | 2,840 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7161% | 879 |
Loan loss allowance to noncurrent loans | 194.3522% | 2,304 |
Noncurrent assets plus other real estate owned to assets | 0.7077% | 2,111 |
Noncurrent loans to loans | 0.8830% | 1,962 |
Net loans and leases to total assets | 78.7681% | 1,196 |
Net loans and leases to deposits | 104.3933% | 509 |
Net loans and leases to core deposits | 104.3933% | 1,364 |
Total domestic deposits to total assets | 75.4532% | 4,909 |
Equity capital to assets | 23.5759% | 132 |
Core capital (leverage) ratio | 23.6884% | 130 |
Tier 1 risk-based capital ratio | 27.9106% | 560 |
Total risk-based capital ratio | 29.1659% | 554 |
Memoranda: | ||
Average total assets | $41,726,670 | 5,193 |
Average earning assets | $39,534,670 | 5,171 |
Average equity | $9,907,670 | 4,392 |
Average total loans | $32,586,330 | 4,851 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8634% | 945 |
Cost of funding earning assets | 0.6450% | 1,749 |
Net interest margin | 4.2183% | 1,138 |
Noninterest income to average assets | 0.2130% | 4,732 |
Noninterest expense to average assets | 1.6650% | 5,274 |
Loan and lease loss provision to assets | 0.2420% | 629 |
Net operating income to assets | 1.7811% | 587 |
Return on assets (ROA) | 1.7811% | 595 |
Pretax return on assets | 2.2941% | 324 |
Return on Equity (ROE) | 7.4740% | 3,602 |
Retained earnings to average equity (ytd only) | 7.4740% | 2,064 |
Net charge-offs to loans | 0.0126% | 2,303 |
Credit loss provision to net charge-offs | 2,500.0000% | 147 |
Earnings coverage of net charge-offs (x) | 262.0000% | 261 |
Efficiency ratio | 39.6313% | 5,466 |
Assets per employee ($millions) | 8.3988% | 546 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7819% | 815 |
Loan loss allowance to noncurrent loans | 187.3786% | 2,373 |
Noncurrent assets plus other real estate owned to assets | 0.7358% | 2,103 |
Noncurrent loans to loans | 0.9510% | 1,919 |
Net loans and leases to total assets | 75.9966% | 1,545 |
Net loans and leases to deposits | 100.9138% | 644 |
Net loans and leases to core deposits | 100.9138% | 1,620 |
Total domestic deposits to total assets | 75.3084% | 5,039 |
Equity capital to assets | 23.6677% | 126 |
Core capital (leverage) ratio | 23.9183% | 122 |
Tier 1 risk-based capital ratio | 28.5259% | 536 |
Total risk-based capital ratio | 29.7802% | 530 |
Memoranda: | ||
Average total assets | $41,322,500 | 5,261 |
Average earning assets | $39,067,500 | 5,235 |
Average equity | $9,847,500 | 4,450 |
Average total loans | $31,835,000 | 4,925 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7980% | 980 |
Cost of funding earning assets | 0.6021% | 1,583 |
Net interest margin | 4.1960% | 1,195 |
Noninterest income to average assets | 0.2334% | 4,735 |
Noninterest expense to average assets | 2.1135% | 4,733 |
Loan and lease loss provision to assets | 0.2510% | 742 |
Net operating income to assets | 1.4157% | 982 |
Return on assets (ROA) | 1.4157% | 1,003 |
Pretax return on assets | 1.8574% | 671 |
Return on Equity (ROE) | 5.9032% | 3,802 |
Retained earnings to average equity (ytd only) | 4.6576% | 2,349 |
Net charge-offs to loans | 0.3273% | 776 |
Credit loss provision to net charge-offs | 100.0000% | 2,558 |
Earnings coverage of net charge-offs (x) | 8.4000% | 2,919 |
Efficiency ratio | 50.0595% | 5,214 |
Assets per employee ($millions) | 8.1302% | 611 |
Cash dividends to net income (ytd only)* | 21.0993% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7802% | 808 |
Loan loss allowance to noncurrent loans | 188.7755% | 2,390 |
Noncurrent assets plus other real estate owned to assets | 0.7232% | 2,159 |
Noncurrent loans to loans | 0.9430% | 1,889 |
Net loans and leases to total assets | 75.3290% | 1,708 |
Net loans and leases to deposits | 100.4956% | 692 |
Net loans and leases to core deposits | 100.4956% | 1,674 |
Total domestic deposits to total assets | 74.9576% | 5,100 |
Equity capital to assets | 23.9994% | 116 |
Core capital (leverage) ratio | 23.1606% | 120 |
Tier 1 risk-based capital ratio | 28.3856% | 524 |
Total risk-based capital ratio | 29.6398% | 517 |
Memoranda: | ||
Average total assets | $39,840,000 | 5,331 |
Average earning assets | $37,869,600 | 5,308 |
Average equity | $9,554,200 | 4,516 |
Average total loans | $30,549,400 | 5,012 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8025% | 926 |
Cost of funding earning assets | 0.5752% | 1,709 |
Net interest margin | 4.2273% | 1,090 |
Noninterest income to average assets | 0.2388% | 4,775 |
Noninterest expense to average assets | 1.8534% | 5,196 |
Loan and lease loss provision to assets | 0.2523% | 687 |
Net operating income to assets | 1.4262% | 1,032 |
Return on assets (ROA) | 1.4262% | 1,058 |
Pretax return on assets | 2.1629% | 393 |
Return on Equity (ROE) | 5.9484% | 4,148 |
Retained earnings to average equity (ytd only) | 5.3311% | 2,663 |
Net charge-offs to loans | -0.1536% | 5,482 |
Credit loss provision to net charge-offs | -214.2857% | 4,642 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.4200% | 5,500 |
Assets per employee ($millions) | 8.3988% | 540 |
Cash dividends to net income (ytd only)* | 10.3782% | 3,459 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0433% | 528 |
Loan loss allowance to noncurrent loans | 111.2040% | 3,338 |
Noncurrent assets plus other real estate owned to assets | 1.4240% | 1,089 |
Noncurrent loans to loans | 1.8375% | 963 |
Net loans and leases to total assets | 75.9156% | 1,600 |
Net loans and leases to deposits | 100.3589% | 720 |
Net loans and leases to core deposits | 100.3589% | 1,675 |
Total domestic deposits to total assets | 75.6441% | 5,061 |
Equity capital to assets | 23.0795% | 129 |
Core capital (leverage) ratio | 22.7812% | 132 |
Tier 1 risk-based capital ratio | 28.1563% | 558 |
Total risk-based capital ratio | 29.4145% | 546 |
Memoranda: | ||
Average total assets | $39,637,250 | 5,390 |
Average earning assets | $37,785,250 | 5,365 |
Average equity | $9,503,750 | 4,575 |
Average total loans | $30,392,500 | 5,066 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7412% | 981 |
Cost of funding earning assets | 0.5298% | 1,919 |
Net interest margin | 4.2114% | 1,058 |
Noninterest income to average assets | 0.2368% | 4,823 |
Noninterest expense to average assets | 1.7245% | 5,390 |
Loan and lease loss provision to assets | 0.2574% | 645 |
Net operating income to assets | 1.5237% | 826 |
Return on assets (ROA) | 1.5237% | 847 |
Pretax return on assets | 2.2650% | 317 |
Return on Equity (ROE) | 6.2705% | 3,920 |
Retained earnings to average equity (ytd only) | 5.3384% | 2,507 |
Net charge-offs to loans | -0.0135% | 4,631 |
Credit loss provision to net charge-offs | -2,500.0000% | 4,978 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 40.6061% | 5,615 |
Assets per employee ($millions) | 8.5900% | 486 |
Cash dividends to net income (ytd only)* | 14.8649% | 3,276 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9253% | 690 |
Loan loss allowance to noncurrent loans | 126.4583% | 3,115 |
Noncurrent assets plus other real estate owned to assets | 1.2107% | 1,404 |
Noncurrent loans to loans | 1.5225% | 1,230 |
Net loans and leases to total assets | 71.9930% | 2,204 |
Net loans and leases to deposits | 93.1299% | 1,351 |
Net loans and leases to core deposits | 93.1299% | 2,234 |
Total domestic deposits to total assets | 77.3038% | 4,913 |
Equity capital to assets | 22.2701% | 141 |
Core capital (leverage) ratio | 23.5658% | 120 |
Tier 1 risk-based capital ratio | 28.5719% | 522 |
Total risk-based capital ratio | 29.8297% | 509 |
Memoranda: | ||
Average total assets | $38,851,670 | 5,448 |
Average earning assets | $36,995,000 | 5,419 |
Average equity | $9,441,000 | 4,600 |
Average total loans | $29,675,000 | 5,127 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7164% | 913 |
Cost of funding earning assets | 0.4568% | 2,463 |
Net interest margin | 4.2596% | 871 |
Noninterest income to average assets | 0.2500% | 4,746 |
Noninterest expense to average assets | 1.7716% | 5,414 |
Loan and lease loss provision to assets | 0.2717% | 533 |
Net operating income to assets | 1.4238% | 950 |
Return on assets (ROA) | 1.4238% | 976 |
Pretax return on assets | 2.2607% | 322 |
Return on Equity (ROE) | 5.5869% | 4,100 |
Retained earnings to average equity (ytd only) | 5.5869% | 2,547 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.1616% | 5,665 |
Assets per employee ($millions) | 7.4138% | 781 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9972% | 672 |
Loan loss allowance to noncurrent loans | 122.1053% | 3,235 |
Noncurrent assets plus other real estate owned to assets | 1.3893% | 1,205 |
Noncurrent loans to loans | 1.6356% | 1,187 |
Net loans and leases to total assets | 76.7784% | 1,293 |
Net loans and leases to deposits | 109.9220% | 218 |
Net loans and leases to core deposits | 109.9220% | 881 |
Total domestic deposits to total assets | 69.8481% | 5,636 |
Equity capital to assets | 25.4768% | 95 |
Core capital (leverage) ratio | 25.9318% | 91 |
Tier 1 risk-based capital ratio | 30.0966% | 476 |
Total risk-based capital ratio | 31.3526% | 476 |
Memoranda: | ||
Average total assets | $36,802,500 | 5,549 |
Average earning assets | $35,027,000 | 5,514 |
Average equity | $9,379,000 | 4,643 |
Average total loans | $28,748,500 | 5,201 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2215% | 402 |
Cost of funding earning assets | 0.4759% | 2,300 |
Net interest margin | 4.7455% | 389 |
Noninterest income to average assets | 0.2473% | 4,942 |
Noninterest expense to average assets | 2.3511% | 4,416 |
Loan and lease loss provision to assets | 0.2660% | 762 |
Net operating income to assets | 1.4788% | 870 |
Return on assets (ROA) | 1.4788% | 892 |
Pretax return on assets | 2.1650% | 350 |
Return on Equity (ROE) | 6.0982% | 3,929 |
Retained earnings to average equity (ytd only) | 5.1440% | 2,247 |
Net charge-offs to loans | 0.2083% | 1,336 |
Credit loss provision to net charge-offs | 166.6667% | 1,656 |
Earnings coverage of net charge-offs (x) | 15.2333% | 2,219 |
Efficiency ratio | 49.1657% | 5,522 |
Assets per employee ($millions) | 7.3072% | 801 |
Cash dividends to net income (ytd only)* | 15.6475% | 3,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9504% | 727 |
Loan loss allowance to noncurrent loans | 165.6716% | 2,611 |
Noncurrent assets plus other real estate owned to assets | 1.0264% | 1,847 |
Noncurrent loans to loans | 1.1773% | 1,745 |
Net loans and leases to total assets | 76.3658% | 1,458 |
Net loans and leases to deposits | 109.5876% | 238 |
Net loans and leases to core deposits | 109.5876% | 926 |
Total domestic deposits to total assets | 69.6847% | 5,677 |
Equity capital to assets | 25.4927% | 94 |
Core capital (leverage) ratio | 24.7245% | 104 |
Tier 1 risk-based capital ratio | 29.9068% | 481 |
Total risk-based capital ratio | 31.1629% | 480 |
Memoranda: | ||
Average total assets | $37,599,000 | 5,580 |
Average earning assets | $35,928,600 | 5,543 |
Average equity | $9,117,400 | 4,737 |
Average total loans | $28,809,800 | 5,233 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3208% | 354 |
Cost of funding earning assets | 0.4710% | 2,356 |
Net interest margin | 4.8498% | 329 |
Noninterest income to average assets | 0.2430% | 5,020 |
Noninterest expense to average assets | 2.0317% | 5,143 |
Loan and lease loss provision to assets | 0.2641% | 687 |
Net operating income to assets | 1.7148% | 576 |
Return on assets (ROA) | 1.7148% | 610 |
Pretax return on assets | 2.5881% | 193 |
Return on Equity (ROE) | 7.1604% | 3,473 |
Retained earnings to average equity (ytd only) | 6.5134% | 1,905 |
Net charge-offs to loans | -0.0415% | 5,299 |
Credit loss provision to net charge-offs | -833.3333% | 5,182 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.6006% | 5,794 |
Assets per employee ($millions) | 7.6650% | 678 |
Cash dividends to net income (ytd only)* | 9.0356% | 3,574 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0024% | 722 |
Loan loss allowance to noncurrent loans | 158.0475% | 2,682 |
Noncurrent assets plus other real estate owned to assets | 0.9889% | 2,095 |
Noncurrent loans to loans | 1.2670% | 1,771 |
Net loans and leases to total assets | 76.4905% | 1,440 |
Net loans and leases to deposits | 109.7365% | 265 |
Net loans and leases to core deposits | 109.7365% | 933 |
Total domestic deposits to total assets | 69.7038% | 5,715 |
Equity capital to assets | 24.2374% | 119 |
Core capital (leverage) ratio | 24.0893% | 112 |
Tier 1 risk-based capital ratio | 29.2271% | 516 |
Total risk-based capital ratio | 30.4864% | 512 |
Memoranda: | ||
Average total assets | $37,864,750 | 5,635 |
Average earning assets | $36,234,000 | 5,594 |
Average equity | $9,068,250 | 4,795 |
Average total loans | $28,898,250 | 5,281 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5564% | 234 |
Cost of funding earning assets | 0.4704% | 2,368 |
Net interest margin | 5.0860% | 217 |
Noninterest income to average assets | 0.2387% | 5,057 |
Noninterest expense to average assets | 2.0312% | 5,207 |
Loan and lease loss provision to assets | 0.2652% | 702 |
Net operating income to assets | 1.8721% | 415 |
Return on assets (ROA) | 1.8721% | 437 |
Pretax return on assets | 2.8161% | 140 |
Return on Equity (ROE) | 7.8491% | 3,062 |
Retained earnings to average equity (ytd only) | 6.8707% | 1,684 |
Net charge-offs to loans | -0.0420% | 5,294 |
Credit loss provision to net charge-offs | -833.3333% | 5,049 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 39.7303% | 5,912 |
Assets per employee ($millions) | 7.9090% | 588 |
Cash dividends to net income (ytd only)* | 12.4646% | 3,416 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0001% | 735 |
Loan loss allowance to noncurrent loans | 157.3003% | 2,766 |
Noncurrent assets plus other real estate owned to assets | 0.9179% | 2,321 |
Noncurrent loans to loans | 1.2715% | 1,787 |
Net loans and leases to total assets | 70.7472% | 2,359 |
Net loans and leases to deposits | 92.9221% | 1,404 |
Net loans and leases to core deposits | 92.9221% | 2,266 |
Total domestic deposits to total assets | 76.1360% | 5,269 |
Equity capital to assets | 23.1534% | 129 |
Core capital (leverage) ratio | 23.2824% | 113 |
Tier 1 risk-based capital ratio | 30.0266% | 494 |
Total risk-based capital ratio | 31.2834% | 490 |
Memoranda: | ||
Average total assets | $37,711,330 | 5,710 |
Average earning assets | $36,138,670 | 5,660 |
Average equity | $8,994,670 | 4,844 |
Average total loans | $28,559,670 | 5,351 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6565% | 1,133 |
Cost of funding earning assets | 0.4758% | 2,320 |
Net interest margin | 4.1807% | 1,143 |
Noninterest income to average assets | 0.2609% | 4,864 |
Noninterest expense to average assets | 1.8372% | 5,604 |
Loan and lease loss provision to assets | 0.2718% | 620 |
Net operating income to assets | 1.4567% | 925 |
Return on assets (ROA) | 1.4567% | 969 |
Pretax return on assets | 2.1634% | 410 |
Return on Equity (ROE) | 6.0130% | 3,979 |
Retained earnings to average equity (ytd only) | 6.0130% | 2,366 |
Net charge-offs to loans | -0.0700% | 5,496 |
Credit loss provision to net charge-offs | -500.0000% | 4,551 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 43.0025% | 5,892 |
Assets per employee ($millions) | 7.4312% | 732 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9108% | 955 |
Loan loss allowance to noncurrent loans | 28.1363% | 5,324 |
Noncurrent assets plus other real estate owned to assets | 5.2132% | 153 |
Noncurrent loans to loans | 6.7912% | 109 |
Net loans and leases to total assets | 75.2960% | 1,504 |
Net loans and leases to deposits | 102.8793% | 471 |
Net loans and leases to core deposits | 102.8793% | 1,273 |
Total domestic deposits to total assets | 73.1887% | 5,680 |
Equity capital to assets | 24.1711% | 109 |
Core capital (leverage) ratio | 24.1959% | 103 |
Tier 1 risk-based capital ratio | 28.0241% | 608 |
Total risk-based capital ratio | 29.2793% | 592 |
Memoranda: | ||
Average total assets | $36,794,500 | 5,781 |
Average earning assets | $35,305,500 | 5,738 |
Average equity | $8,914,000 | 4,883 |
Average total loans | $28,565,500 | 5,395 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8450% | 858 |
Cost of funding earning assets | 0.4732% | 2,412 |
Net interest margin | 4.3719% | 844 |
Noninterest income to average assets | 0.2580% | 5,048 |
Noninterest expense to average assets | 2.3055% | 4,773 |
Loan and lease loss provision to assets | 0.2716% | 676 |
Net operating income to assets | 1.2790% | 1,324 |
Return on assets (ROA) | 1.2790% | 1,366 |
Pretax return on assets | 1.8710% | 692 |
Return on Equity (ROE) | 5.4419% | 4,311 |
Retained earnings to average equity (ytd only) | 4.8642% | 2,519 |
Net charge-offs to loans | -0.0109% | 5,127 |
Credit loss provision to net charge-offs | -3,333.3333% | 5,694 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.8315% | 5,643 |
Assets per employee ($millions) | 7.2866% | 789 |
Cash dividends to net income (ytd only)* | 10.6157% | 4,070 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8001% | 1,132 |
Loan loss allowance to noncurrent loans | 29.2281% | 5,346 |
Noncurrent assets plus other real estate owned to assets | 4.8363% | 184 |
Noncurrent loans to loans | 6.1589% | 134 |
Net loans and leases to total assets | 77.1114% | 1,236 |
Net loans and leases to deposits | 109.6736% | 250 |
Net loans and leases to core deposits | 109.6736% | 870 |
Total domestic deposits to total assets | 70.3099% | 5,879 |
Equity capital to assets | 24.2829% | 108 |
Core capital (leverage) ratio | 23.5277% | 107 |
Tier 1 risk-based capital ratio | 27.3022% | 643 |
Total risk-based capital ratio | 28.5560% | 626 |
Memoranda: | ||
Average total assets | $36,825,000 | 5,832 |
Average earning assets | $35,293,800 | 5,781 |
Average equity | $8,655,000 | 4,921 |
Average total loans | $27,645,200 | 5,454 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8433% | 865 |
Cost of funding earning assets | 0.4715% | 2,483 |
Net interest margin | 4.3718% | 841 |
Noninterest income to average assets | 0.2564% | 5,107 |
Noninterest expense to average assets | 2.1594% | 5,144 |
Loan and lease loss provision to assets | 0.2708% | 595 |
Net operating income to assets | 1.3144% | 1,296 |
Return on assets (ROA) | 1.3144% | 1,356 |
Pretax return on assets | 2.0113% | 589 |
Return on Equity (ROE) | 5.6387% | 4,339 |
Retained earnings to average equity (ytd only) | 5.2514% | 2,751 |
Net charge-offs to loans | 0.0146% | 3,667 |
Credit loss provision to net charge-offs | 2,500.0000% | 142 |
Earnings coverage of net charge-offs (x) | 210.6625% | 345 |
Efficiency ratio | 48.6179% | 5,842 |
Assets per employee ($millions) | 7.4484% | 708 |
Cash dividends to net income (ytd only)* | 6.8676% | 3,658 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6931% | 1,488 |
Loan loss allowance to noncurrent loans | 26.6667% | 5,493 |
Noncurrent assets plus other real estate owned to assets | 4.8735% | 207 |
Noncurrent loans to loans | 6.3493% | 121 |
Net loans and leases to total assets | 75.4578% | 1,469 |
Net loans and leases to deposits | 105.1485% | 399 |
Net loans and leases to core deposits | 105.1485% | 1,161 |
Total domestic deposits to total assets | 71.7631% | 5,876 |
Equity capital to assets | 23.5406% | 120 |
Core capital (leverage) ratio | 23.1783% | 117 |
Tier 1 risk-based capital ratio | 26.8300% | 702 |
Total risk-based capital ratio | 28.0827% | 678 |
Memoranda: | ||
Average total assets | $36,923,000 | 5,906 |
Average earning assets | $35,347,000 | 5,857 |
Average equity | $8,607,000 | 4,995 |
Average total loans | $27,404,250 | 5,530 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8840% | 758 |
Cost of funding earning assets | 0.4595% | 2,613 |
Net interest margin | 4.4245% | 729 |
Noninterest income to average assets | 0.2390% | 5,247 |
Noninterest expense to average assets | 2.2218% | 5,049 |
Loan and lease loss provision to assets | 0.2716% | 605 |
Net operating income to assets | 1.5917% | 757 |
Return on assets (ROA) | 1.5917% | 784 |
Pretax return on assets | 1.9828% | 616 |
Return on Equity (ROE) | 6.8509% | 3,703 |
Retained earnings to average equity (ytd only) | 6.2663% | 2,082 |
Net charge-offs to loans | 0.0296% | 3,073 |
Credit loss provision to net charge-offs | 1,250.0000% | 285 |
Earnings coverage of net charge-offs (x) | 103.7500% | 586 |
Efficiency ratio | 49.6359% | 5,867 |
Assets per employee ($millions) | 7.7710% | 590 |
Cash dividends to net income (ytd only)* | 8.5324% | 3,483 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5738% | 1,998 |
Loan loss allowance to noncurrent loans | 27.0686% | 5,556 |
Noncurrent assets plus other real estate owned to assets | 4.3547% | 279 |
Noncurrent loans to loans | 5.8140% | 168 |
Net loans and leases to total assets | 73.7202% | 1,707 |
Net loans and leases to deposits | 102.2452% | 539 |
Net loans and leases to core deposits | 102.2452% | 1,313 |
Total domestic deposits to total assets | 72.1014% | 5,932 |
Equity capital to assets | 22.3806% | 140 |
Core capital (leverage) ratio | 22.8836% | 120 |
Tier 1 risk-based capital ratio | 26.7834% | 722 |
Total risk-based capital ratio | 28.0350% | 709 |
Memoranda: | ||
Average total assets | $36,816,670 | 5,976 |
Average earning assets | $35,258,000 | 5,925 |
Average equity | $8,553,670 | 5,046 |
Average total loans | $27,010,330 | 5,591 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8768% | 736 |
Cost of funding earning assets | 0.4656% | 2,609 |
Net interest margin | 4.4113% | 717 |
Noninterest income to average assets | 0.2458% | 5,202 |
Noninterest expense to average assets | 2.2683% | 4,953 |
Loan and lease loss provision to assets | 0.2793% | 547 |
Net operating income to assets | 1.2068% | 1,529 |
Return on assets (ROA) | 1.2068% | 1,621 |
Pretax return on assets | 1.9331% | 672 |
Return on Equity (ROE) | 5.0928% | 4,485 |
Retained earnings to average equity (ytd only) | 5.0928% | 3,010 |
Net charge-offs to loans | -0.0308% | 5,272 |
Credit loss provision to net charge-offs | -1,250.0000% | 5,027 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.6234% | 5,880 |
Assets per employee ($millions) | 6.0560% | 1,365 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6435% | 1,911 |
Loan loss allowance to noncurrent loans | 26.4617% | 5,619 |
Noncurrent assets plus other real estate owned to assets | 4.5657% | 293 |
Noncurrent loans to loans | 6.2109% | 172 |
Net loans and leases to total assets | 72.3030% | 1,760 |
Net loans and leases to deposits | 102.9064% | 420 |
Net loans and leases to core deposits | 102.9064% | 1,122 |
Total domestic deposits to total assets | 70.2609% | 6,117 |
Equity capital to assets | 23.4946% | 117 |
Core capital (leverage) ratio | 23.5562% | 106 |
Tier 1 risk-based capital ratio | 28.5786% | 616 |
Total risk-based capital ratio | 29.8284% | 604 |
Memoranda: | ||
Average total assets | $35,797,500 | 6,057 |
Average earning assets | $34,366,500 | 6,006 |
Average equity | $8,482,500 | 5,098 |
Average total loans | $25,964,500 | 5,677 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4869% | 1,924 |
Cost of funding earning assets | 0.4837% | 2,840 |
Net interest margin | 4.0032% | 1,890 |
Noninterest income to average assets | 0.2642% | 5,241 |
Noninterest expense to average assets | 2.1453% | 5,468 |
Loan and lease loss provision to assets | 0.2177% | 1,133 |
Net operating income to assets | 1.1961% | 1,594 |
Return on assets (ROA) | 1.1961% | 1,663 |
Pretax return on assets | 1.7215% | 940 |
Return on Equity (ROE) | 4.9931% | 4,669 |
Retained earnings to average equity (ytd only) | 4.5447% | 2,939 |
Net charge-offs to loans | -0.0594% | 5,981 |
Credit loss provision to net charge-offs | -535.7143% | 5,803 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.5231% | 5,949 |
Assets per employee ($millions) | 7.0518% | 823 |
Cash dividends to net income (ytd only)* | 8.9806% | 4,140 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6338% | 1,977 |
Loan loss allowance to noncurrent loans | 21.9968% | 5,804 |
Noncurrent assets plus other real estate owned to assets | 5.3121% | 242 |
Noncurrent loans to loans | 7.4272% | 130 |
Net loans and leases to total assets | 70.3537% | 2,181 |
Net loans and leases to deposits | 100.9400% | 571 |
Net loans and leases to core deposits | 100.9400% | 1,324 |
Total domestic deposits to total assets | 69.6985% | 6,208 |
Equity capital to assets | 23.9031% | 117 |
Core capital (leverage) ratio | 23.7070% | 110 |
Tier 1 risk-based capital ratio | 29.9964% | 512 |
Total risk-based capital ratio | 31.2504% | 505 |
Memoranda: | ||
Average total assets | $34,446,600 | 6,168 |
Average earning assets | $32,873,600 | 6,120 |
Average equity | $8,251,400 | 5,136 |
Average total loans | $23,583,800 | 5,837 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4261% | 2,137 |
Cost of funding earning assets | 0.4895% | 2,869 |
Net interest margin | 3.9366% | 2,087 |
Noninterest income to average assets | 0.2920% | 5,105 |
Noninterest expense to average assets | 1.8845% | 5,980 |
Loan and lease loss provision to assets | 0.1947% | 1,235 |
Net operating income to assets | 1.2849% | 1,413 |
Return on assets (ROA) | 1.2849% | 1,469 |
Pretax return on assets | 1.9702% | 610 |
Return on Equity (ROE) | 5.3610% | 4,549 |
Retained earnings to average equity (ytd only) | 5.0524% | 3,047 |
Net charge-offs to loans | -0.0345% | 5,790 |
Credit loss provision to net charge-offs | -833.3333% | 5,840 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.5385% | 6,264 |
Assets per employee ($millions) | 7.1246% | 766 |
Cash dividends to net income (ytd only)* | 5.7569% | 3,690 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5416% | 2,539 |
Loan loss allowance to noncurrent loans | 18.7346% | 5,944 |
Noncurrent assets plus other real estate owned to assets | 5.7407% | 249 |
Noncurrent loans to loans | 8.2286% | 116 |
Net loans and leases to total assets | 67.9505% | 2,543 |
Net loans and leases to deposits | 95.1307% | 944 |
Net loans and leases to core deposits | 95.1307% | 1,744 |
Total domestic deposits to total assets | 71.4286% | 6,207 |
Equity capital to assets | 23.4820% | 123 |
Core capital (leverage) ratio | 23.7854% | 109 |
Tier 1 risk-based capital ratio | 30.0590% | 521 |
Total risk-based capital ratio | 31.3107% | 515 |
Memoranda: | ||
Average total assets | $34,243,500 | 6,247 |
Average earning assets | $32,683,750 | 6,198 |
Average equity | $8,207,250 | 5,190 |
Average total loans | $23,175,250 | 5,909 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3290% | 2,481 |
Cost of funding earning assets | 0.4900% | 2,926 |
Net interest margin | 3.8390% | 2,417 |
Noninterest income to average assets | 0.2960% | 5,045 |
Noninterest expense to average assets | 1.8352% | 6,097 |
Loan and lease loss provision to assets | 0.1480% | 1,669 |
Net operating income to assets | 1.2669% | 1,405 |
Return on assets (ROA) | 1.2669% | 1,458 |
Pretax return on assets | 1.9773% | 584 |
Return on Equity (ROE) | 5.2485% | 4,554 |
Retained earnings to average equity (ytd only) | 4.7825% | 3,098 |
Net charge-offs to loans | -0.0529% | 5,903 |
Credit loss provision to net charge-offs | -416.6667% | 5,526 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.3378% | 6,347 |
Assets per employee ($millions) | 7.0266% | 793 |
Cash dividends to net income (ytd only)* | 8.8785% | 3,488 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4640% | 3,057 |
Loan loss allowance to noncurrent loans | 16.4345% | 6,039 |
Noncurrent assets plus other real estate owned to assets | 6.1936% | 229 |
Noncurrent loans to loans | 8.9082% | 100 |
Net loans and leases to total assets | 67.8166% | 2,437 |
Net loans and leases to deposits | 93.0303% | 1,048 |
Net loans and leases to core deposits | 93.0303% | 1,859 |
Total domestic deposits to total assets | 72.8973% | 6,191 |
Equity capital to assets | 23.4822% | 117 |
Core capital (leverage) ratio | 24.1022% | 96 |
Tier 1 risk-based capital ratio | 30.1298% | 514 |
Total risk-based capital ratio | 31.3800% | 508 |
Memoranda: | ||
Average total assets | $33,783,670 | 6,313 |
Average earning assets | $32,248,000 | 6,273 |
Average equity | $8,154,670 | 5,226 |
Average total loans | $22,705,330 | 5,970 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3878% | 2,184 |
Cost of funding earning assets | 0.4946% | 2,961 |
Net interest margin | 3.8932% | 2,110 |
Noninterest income to average assets | 0.2900% | 5,054 |
Noninterest expense to average assets | 1.6431% | 6,397 |
Loan and lease loss provision to assets | 0.3020% | 640 |
Net operating income to assets | 1.2565% | 1,327 |
Return on assets (ROA) | 1.2565% | 1,384 |
Pretax return on assets | 2.0538% | 472 |
Return on Equity (ROE) | 5.1314% | 4,478 |
Retained earnings to average equity (ytd only) | 5.1314% | 3,036 |
Net charge-offs to loans | -0.0546% | 5,837 |
Credit loss provision to net charge-offs | -833.3333% | 5,291 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 41.0876% | 6,569 |
Assets per employee ($millions) | 6.7766% | 890 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5924% | 2,739 |
Loan loss allowance to noncurrent loans | 13.6682% | 6,154 |
Noncurrent assets plus other real estate owned to assets | 7.6499% | 181 |
Noncurrent loans to loans | 11.6505% | 69 |
Net loans and leases to total assets | 64.0174% | 2,886 |
Net loans and leases to deposits | 85.4885% | 1,661 |
Net loans and leases to core deposits | 85.4885% | 2,367 |
Total domestic deposits to total assets | 74.8842% | 6,167 |
Equity capital to assets | 24.0799% | 107 |
Core capital (leverage) ratio | 24.1346% | 104 |
Tier 1 risk-based capital ratio | 32.4611% | 428 |
Total risk-based capital ratio | 33.7117% | 420 |
Memoranda: | ||
Average total assets | $33,109,000 | 6,393 |
Average earning assets | $31,542,000 | 6,352 |
Average equity | $8,107,000 | 5,259 |
Average total loans | $21,968,000 | 6,047 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5312% | 2,091 |
Cost of funding earning assets | 0.5639% | 2,984 |
Net interest margin | 3.9673% | 2,044 |
Noninterest income to average assets | 0.3146% | 5,096 |
Noninterest expense to average assets | 2.1838% | 5,670 |
Loan and lease loss provision to assets | 0.5452% | 489 |
Net operating income to assets | 0.9190% | 2,688 |
Return on assets (ROA) | 0.9190% | 2,774 |
Pretax return on assets | 1.3551% | 1,947 |
Return on Equity (ROE) | 3.7387% | 5,223 |
Retained earnings to average equity (ytd only) | 3.4219% | 3,796 |
Net charge-offs to loans | 0.4329% | 1,534 |
Credit loss provision to net charge-offs | 190.2174% | 1,202 |
Earnings coverage of net charge-offs (x) | 6.6304% | 3,016 |
Efficiency ratio | 53.4706% | 6,180 |
Assets per employee ($millions) | 6.4670% | 998 |
Cash dividends to net income (ytd only)* | 8.4746% | 4,086 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4753% | 3,307 |
Loan loss allowance to noncurrent loans | 12.7769% | 6,262 |
Noncurrent assets plus other real estate owned to assets | 7.8924% | 195 |
Noncurrent loans to loans | 11.5465% | 84 |
Net loans and leases to total assets | 66.7110% | 2,571 |
Net loans and leases to deposits | 90.1044% | 1,233 |
Net loans and leases to core deposits | 90.1044% | 2,007 |
Total domestic deposits to total assets | 74.0374% | 6,278 |
Equity capital to assets | 24.9111% | 95 |
Core capital (leverage) ratio | 24.2145% | 97 |
Tier 1 risk-based capital ratio | 32.1518% | 425 |
Total risk-based capital ratio | 33.4026% | 418 |
Memoranda: | ||
Average total assets | $32,100,200 | 6,479 |
Average earning assets | $30,499,400 | 6,440 |
Average equity | $7,890,400 | 5,368 |
Average total loans | $21,253,000 | 6,139 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4654% | 2,365 |
Cost of funding earning assets | 0.5779% | 3,018 |
Net interest margin | 3.8875% | 2,320 |
Noninterest income to average assets | 0.3287% | 5,058 |
Noninterest expense to average assets | 2.0265% | 5,963 |
Loan and lease loss provision to assets | 0.6242% | 375 |
Net operating income to assets | 0.8489% | 3,104 |
Return on assets (ROA) | 0.8489% | 3,217 |
Pretax return on assets | 1.3732% | 2,023 |
Return on Equity (ROE) | 3.4652% | 5,450 |
Retained earnings to average equity (ytd only) | 3.2444% | 4,367 |
Net charge-offs to loans | -0.0506% | 6,314 |
Credit loss provision to net charge-offs | -1,875.0000% | 6,268 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.3619% | 6,377 |
Assets per employee ($millions) | 6.4656% | 945 |
Cash dividends to net income (ytd only)* | 6.3716% | 3,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7464% | 2,469 |
Loan loss allowance to noncurrent loans | 15.7749% | 6,315 |
Noncurrent assets plus other real estate owned to assets | 7.8724% | 228 |
Noncurrent loans to loans | 11.0706% | 102 |
Net loans and leases to total assets | 69.2650% | 2,092 |
Net loans and leases to deposits | 94.1671% | 821 |
Net loans and leases to core deposits | 94.1671% | 1,557 |
Total domestic deposits to total assets | 73.5554% | 6,398 |
Equity capital to assets | 24.6783% | 95 |
Core capital (leverage) ratio | 24.1053% | 99 |
Tier 1 risk-based capital ratio | 30.6733% | 487 |
Total risk-based capital ratio | 31.9244% | 485 |
Memoranda: | ||
Average total assets | $32,041,500 | 6,555 |
Average earning assets | $30,455,500 | 6,506 |
Average equity | $7,849,250 | 5,435 |
Average total loans | $21,092,750 | 6,210 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3607% | 2,714 |
Cost of funding earning assets | 0.5814% | 3,113 |
Net interest margin | 3.7793% | 2,639 |
Noninterest income to average assets | 0.3318% | 5,038 |
Noninterest expense to average assets | 1.9909% | 6,067 |
Loan and lease loss provision to assets | 0.9391% | 206 |
Net operating income to assets | 0.5885% | 4,353 |
Return on assets (ROA) | 0.5885% | 4,536 |
Pretax return on assets | 0.9829% | 3,587 |
Return on Equity (ROE) | 2.4083% | 5,829 |
Retained earnings to average equity (ytd only) | 2.0752% | 4,955 |
Net charge-offs to loans | -0.0390% | 6,175 |
Credit loss provision to net charge-offs | -3,750.0000% | 6,202 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.8800% | 6,365 |
Assets per employee ($millions) | 6.5620% | 877 |
Cash dividends to net income (ytd only)* | 13.8298% | 3,213 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.8654% | 2,213 |
Loan loss allowance to noncurrent loans | 17.2504% | 6,353 |
Noncurrent assets plus other real estate owned to assets | 7.0283% | 339 |
Noncurrent loans to loans | 10.8139% | 127 |
Net loans and leases to total assets | 63.1728% | 3,069 |
Net loans and leases to deposits | 84.1774% | 1,782 |
Net loans and leases to core deposits | 84.1774% | 2,536 |
Total domestic deposits to total assets | 75.0472% | 6,354 |
Equity capital to assets | 23.9774% | 100 |
Core capital (leverage) ratio | 23.8865% | 94 |
Tier 1 risk-based capital ratio | 32.3493% | 426 |
Total risk-based capital ratio | 33.6051% | 421 |
Memoranda: | ||
Average total assets | $31,946,000 | 6,604 |
Average earning assets | $30,270,330 | 6,556 |
Average equity | $7,806,330 | 5,481 |
Average total loans | $20,527,000 | 6,278 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2963% | 2,907 |
Cost of funding earning assets | 0.5926% | 3,175 |
Net interest margin | 3.7037% | 2,835 |
Noninterest income to average assets | 0.3300% | 5,063 |
Noninterest expense to average assets | 1.6120% | 6,662 |
Loan and lease loss provision to assets | 1.9039% | 63 |
Net operating income to assets | -0.3681% | 6,612 |
Return on assets (ROA) | -0.3681% | 6,644 |
Pretax return on assets | 0.3046% | 5,839 |
Return on Equity (ROE) | -1.4918% | 6,536 |
Retained earnings to average equity (ytd only) | -1.4918% | 6,025 |
Net charge-offs to loans | -0.0989% | 6,440 |
Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 42.1927% | 6,834 |
Assets per employee ($millions) | 6.5256% | 975 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9386% | 2,200 |
Loan loss allowance to noncurrent loans | 19.6322% | 6,352 |
Noncurrent assets plus other real estate owned to assets | 6.2339% | 503 |
Noncurrent loans to loans | 9.8744% | 217 |
Net loans and leases to total assets | 61.2388% | 3,217 |
Net loans and leases to deposits | 81.6351% | 1,877 |
Net loans and leases to core deposits | 81.6351% | 2,622 |
Total domestic deposits to total assets | 75.0153% | 6,456 |
Equity capital to assets | 23.7863% | 108 |
Core capital (leverage) ratio | 24.0210% | 95 |
Tier 1 risk-based capital ratio | 33.0377% | 413 |
Total risk-based capital ratio | 34.2914% | 401 |
Memoranda: | ||
Average total assets | $31,514,000 | 6,678 |
Average earning assets | $29,700,000 | 6,627 |
Average equity | $7,776,000 | 5,553 |
Average total loans | $20,230,000 | 6,345 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0148% | 1,520 |
Cost of funding earning assets | 0.7138% | 3,373 |
Net interest margin | 4.3010% | 1,398 |
Noninterest income to average assets | 0.3995% | 4,612 |
Noninterest expense to average assets | 2.4243% | 5,344 |
Loan and lease loss provision to assets | 0.5417% | 1,062 |
Net operating income to assets | 0.9413% | 2,594 |
Return on assets (ROA) | 0.9413% | 2,843 |
Pretax return on assets | 1.4932% | 1,695 |
Return on Equity (ROE) | 3.6254% | 5,300 |
Retained earnings to average equity (ytd only) | 3.2993% | 3,905 |
Net charge-offs to loans | 0.8229% | 1,419 |
Credit loss provision to net charge-offs | 89.8876% | 3,479 |
Earnings coverage of net charge-offs (x) | 3.3764% | 3,755 |
Efficiency ratio | 54.3660% | 6,232 |
Assets per employee ($millions) | 6.0800% | 1,235 |
Cash dividends to net income (ytd only)* | 8.9928% | 4,095 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1950% | 5,135 |
Loan loss allowance to noncurrent loans | 11.7532% | 6,535 |
Noncurrent assets plus other real estate owned to assets | 6.7895% | 463 |
Noncurrent loans to loans | 10.1673% | 225 |
Net loans and leases to total assets | 65.2763% | 2,657 |
Net loans and leases to deposits | 89.4236% | 1,125 |
Net loans and leases to core deposits | 89.4236% | 1,905 |
Total domestic deposits to total assets | 72.9967% | 6,621 |
Equity capital to assets | 25.6283% | 91 |
Core capital (leverage) ratio | 25.2353% | 92 |
Tier 1 risk-based capital ratio | 34.4710% | 351 |
Total risk-based capital ratio | 35.5348% | 353 |
Memoranda: | ||
Average total assets | $29,534,800 | 6,764 |
Average earning assets | $27,877,400 | 6,720 |
Average equity | $7,668,200 | 5,592 |
Average total loans | $21,631,800 | 6,353 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0197% | 1,645 |
Cost of funding earning assets | 0.7294% | 3,524 |
Net interest margin | 4.2902% | 1,500 |
Noninterest income to average assets | 0.4138% | 4,529 |
Noninterest expense to average assets | 2.1465% | 6,073 |
Loan and lease loss provision to assets | 0.7276% | 690 |
Net operating income to assets | 1.1960% | 1,757 |
Return on assets (ROA) | 1.1960% | 1,929 |
Pretax return on assets | 1.6053% | 1,558 |
Return on Equity (ROE) | 4.5913% | 5,007 |
Retained earnings to average equity (ytd only) | 4.3644% | 3,816 |
Net charge-offs to loans | 0.4239% | 2,396 |
Credit loss provision to net charge-offs | 228.5714% | 1,211 |
Earnings coverage of net charge-offs (x) | 7.3286% | 2,618 |
Efficiency ratio | 47.9188% | 6,722 |
Assets per employee ($millions) | 6.0188% | 1,237 |
Cash dividends to net income (ytd only)* | 4.9421% | 3,606 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.4666% | 4,084 |
Loan loss allowance to noncurrent loans | 14.5912% | 6,604 |
Noncurrent assets plus other real estate owned to assets | 7.9983% | 387 |
Noncurrent loans to loans | 10.0514% | 244 |
Net loans and leases to total assets | 77.6899% | 767 |
Net loans and leases to deposits | 109.0536% | 176 |
Net loans and leases to core deposits | 109.0536% | 604 |
Total domestic deposits to total assets | 71.2401% | 6,780 |
Equity capital to assets | 25.8822% | 99 |
Core capital (leverage) ratio | 25.5682% | 94 |
Tier 1 risk-based capital ratio | 30.0294% | 534 |
Total risk-based capital ratio | 31.2848% | 522 |
Memoranda: | ||
Average total assets | $29,318,500 | 6,858 |
Average earning assets | $27,783,250 | 6,808 |
Average equity | $7,637,500 | 5,664 |
Average total loans | $22,018,750 | 6,420 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0226% | 1,723 |
Cost of funding earning assets | 0.7476% | 3,620 |
Net interest margin | 4.2750% | 1,535 |
Noninterest income to average assets | 0.4061% | 4,606 |
Noninterest expense to average assets | 2.1473% | 6,129 |
Loan and lease loss provision to assets | 1.1012% | 387 |
Net operating income to assets | 0.8603% | 3,086 |
Return on assets (ROA) | 0.8603% | 3,355 |
Pretax return on assets | 1.2113% | 2,873 |
Return on Equity (ROE) | 3.2951% | 5,559 |
Retained earnings to average equity (ytd only) | 2.9524% | 4,670 |
Net charge-offs to loans | 0.7366% | 1,502 |
Credit loss provision to net charge-offs | 202.5316% | 1,410 |
Earnings coverage of net charge-offs (x) | 4.2532% | 3,136 |
Efficiency ratio | 48.1481% | 6,769 |
Assets per employee ($millions) | 6.0860% | 1,180 |
Cash dividends to net income (ytd only)* | 10.4000% | 3,286 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5133% | 3,954 |
Loan loss allowance to noncurrent loans | 14.5619% | 6,646 |
Noncurrent assets plus other real estate owned to assets | 7.7226% | 464 |
Noncurrent loans to loans | 10.3924% | 239 |
Net loans and leases to total assets | 72.5008% | 1,470 |
Net loans and leases to deposits | 98.1974% | 516 |
Net loans and leases to core deposits | 98.1974% | 1,254 |
Total domestic deposits to total assets | 73.8317% | 6,693 |
Equity capital to assets | 25.1462% | 101 |
Core capital (leverage) ratio | 25.7338% | 92 |
Tier 1 risk-based capital ratio | 30.7841% | 487 |
Total risk-based capital ratio | 32.0339% | 479 |
Memoranda: | ||
Average total assets | $29,060,000 | 6,914 |
Average earning assets | $27,555,330 | 6,865 |
Average equity | $7,587,000 | 5,688 |
Average total loans | $21,449,000 | 6,494 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1799% | 1,359 |
Cost of funding earning assets | 0.7740% | 3,670 |
Net interest margin | 4.4059% | 1,215 |
Noninterest income to average assets | 0.3947% | 4,710 |
Noninterest expense to average assets | 1.7198% | 6,881 |
Loan and lease loss provision to assets | 2.2555% | 120 |
Net operating income to assets | 0.3806% | 5,343 |
Return on assets (ROA) | 0.3806% | 5,529 |
Pretax return on assets | 0.5921% | 5,145 |
Return on Equity (ROE) | 1.4296% | 6,243 |
Retained earnings to average equity (ytd only) | 1.4296% | 5,519 |
Net charge-offs to loans | 0.5531% | 1,703 |
Credit loss provision to net charge-offs | 551.7241% | 611 |
Earnings coverage of net charge-offs (x) | 6.9655% | 2,133 |
Efficiency ratio | 37.6543% | 7,156 |
Assets per employee ($millions) | 5.7514% | 1,475 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9001% | 2,674 |
Loan loss allowance to noncurrent loans | 15.5476% | 6,672 |
Noncurrent assets plus other real estate owned to assets | 8.7770% | 409 |
Noncurrent loans to loans | 12.2210% | 192 |
Net loans and leases to total assets | 69.8404% | 1,778 |
Net loans and leases to deposits | 96.2800% | 518 |
Net loans and leases to core deposits | 96.2800% | 1,278 |
Total domestic deposits to total assets | 72.5389% | 6,853 |
Equity capital to assets | 26.3101% | 80 |
Core capital (leverage) ratio | 26.0110% | 82 |
Tier 1 risk-based capital ratio | 33.5198% | 378 |
Total risk-based capital ratio | 34.7716% | 375 |
Memoranda: | ||
Average total assets | $28,375,000 | 6,995 |
Average earning assets | $26,873,000 | 6,933 |
Average equity | $7,554,500 | 5,721 |
Average total loans | $20,973,000 | 6,566 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1237% | 2,362 |
Cost of funding earning assets | 0.8815% | 4,247 |
Net interest margin | 4.2422% | 1,917 |
Noninterest income to average assets | 0.3600% | 4,938 |
Noninterest expense to average assets | 2.3096% | 6,018 |
Loan and lease loss provision to assets | 1.3366% | 599 |
Net operating income to assets | 0.4812% | 4,503 |
Return on assets (ROA) | 0.4812% | 4,712 |
Pretax return on assets | 0.7449% | 4,174 |
Return on Equity (ROE) | 1.8137% | 5,731 |
Retained earnings to average equity (ytd only) | 1.4778% | 5,153 |
Net charge-offs to loans | 3.0945% | 297 |
Credit loss provision to net charge-offs | 56.9909% | 5,245 |
Earnings coverage of net charge-offs (x) | 0.8875% | 5,140 |
Efficiency ratio | 52.5974% | 6,653 |
Assets per employee ($millions) | 5.5986% | 1,541 |
Cash dividends to net income (ytd only)* | 18.5185% | 3,590 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2015% | 5,381 |
Loan loss allowance to noncurrent loans | 9.0305% | 6,831 |
Noncurrent assets plus other real estate owned to assets | 10.3061% | 311 |
Noncurrent loans to loans | 13.3051% | 165 |
Net loans and leases to total assets | 75.7868% | 973 |
Net loans and leases to deposits | 105.4161% | 264 |
Net loans and leases to core deposits | 107.3471% | 738 |
Total domestic deposits to total assets | 71.8930% | 6,876 |
Equity capital to assets | 26.9460% | 83 |
Core capital (leverage) ratio | 26.4641% | 89 |
Tier 1 risk-based capital ratio | 31.6640% | 441 |
Total risk-based capital ratio | 32.7498% | 441 |
Memoranda: | ||
Average total assets | $28,056,400 | 7,023 |
Average earning assets | $26,660,400 | 6,968 |
Average equity | $7,443,400 | 5,737 |
Average total loans | $21,263,600 | 6,591 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0131% | 3,020 |
Cost of funding earning assets | 0.9029% | 4,376 |
Net interest margin | 4.1103% | 2,434 |
Noninterest income to average assets | 0.3847% | 4,773 |
Noninterest expense to average assets | 2.0803% | 6,535 |
Loan and lease loss provision to assets | 1.7811% | 337 |
Net operating income to assets | 0.2755% | 5,487 |
Return on assets (ROA) | 0.2755% | 5,646 |
Pretax return on assets | 0.4369% | 5,351 |
Return on Equity (ROE) | 1.0424% | 6,060 |
Retained earnings to average equity (ytd only) | 0.8267% | 5,679 |
Net charge-offs to loans | 4.1235% | 152 |
Credit loss provision to net charge-offs | 57.1646% | 4,869 |
Earnings coverage of net charge-offs (x) | 0.7119% | 5,090 |
Efficiency ratio | 48.3978% | 6,934 |
Assets per employee ($millions) | 5.5484% | 1,549 |
Cash dividends to net income (ytd only)* | 20.6905% | 2,894 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2227% | 5,384 |
Loan loss allowance to noncurrent loans | 9.0215% | 6,906 |
Noncurrent assets plus other real estate owned to assets | 10.5364% | 326 |
Noncurrent loans to loans | 13.5534% | 182 |
Net loans and leases to total assets | 75.7119% | 1,019 |
Net loans and leases to deposits | 105.3624% | 271 |
Net loans and leases to core deposits | 107.3056% | 795 |
Total domestic deposits to total assets | 71.8586% | 6,942 |
Equity capital to assets | 26.9627% | 94 |
Core capital (leverage) ratio | 26.2491% | 101 |
Tier 1 risk-based capital ratio | 31.8722% | 457 |
Total risk-based capital ratio | 32.9830% | 457 |
Memoranda: | ||
Average total assets | $28,072,250 | 7,092 |
Average earning assets | $26,729,250 | 7,038 |
Average equity | $7,418,500 | 5,775 |
Average total loans | $21,211,250 | 6,666 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9219% | 3,525 |
Cost of funding earning assets | 0.9098% | 4,588 |
Net interest margin | 4.0121% | 2,781 |
Noninterest income to average assets | 0.3761% | 4,873 |
Noninterest expense to average assets | 2.1787% | 6,432 |
Loan and lease loss provision to assets | 1.8806% | 347 |
Net operating income to assets | 0.0852% | 6,050 |
Return on assets (ROA) | 0.0852% | 6,128 |
Pretax return on assets | 0.1348% | 6,043 |
Return on Equity (ROE) | 0.3244% | 6,240 |
Retained earnings to average equity (ytd only) | -0.0270% | 5,840 |
Net charge-offs to loans | 5.9074% | 89 |
Credit loss provision to net charge-offs | 42.3323% | 4,770 |
Earnings coverage of net charge-offs (x) | 0.4537% | 4,961 |
Efficiency ratio | 51.9459% | 6,788 |
Assets per employee ($millions) | 5.7304% | 1,362 |
Cash dividends to net income (ytd only)* | 108.3333% | 376 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8658% | 6,738 |
Loan loss allowance to noncurrent loans | 6.3807% | 6,979 |
Noncurrent assets plus other real estate owned to assets | 9.9225% | 395 |
Noncurrent loans to loans | 13.5690% | 178 |
Net loans and leases to total assets | 71.9322% | 1,798 |
Net loans and leases to deposits | 98.4852% | 567 |
Net loans and leases to core deposits | 100.2042% | 1,325 |
Total domestic deposits to total assets | 73.0385% | 6,918 |
Equity capital to assets | 25.9214% | 116 |
Core capital (leverage) ratio | 25.9450% | 111 |
Tier 1 risk-based capital ratio | 32.2501% | 442 |
Total risk-based capital ratio | 33.0332% | 450 |
Memoranda: | ||
Average total assets | $28,182,330 | 7,154 |
Average earning assets | $26,819,000 | 7,099 |
Average equity | $7,398,000 | 5,802 |
Average total loans | $21,193,670 | 6,738 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7794% | 4,152 |
Cost of funding earning assets | 0.9318% | 4,710 |
Net interest margin | 3.8476% | 3,384 |
Noninterest income to average assets | 0.3721% | 4,935 |
Noninterest expense to average assets | 2.0753% | 6,684 |
Loan and lease loss provision to assets | 3.7928% | 111 |
Net operating income to assets | -1.2166% | 7,107 |
Return on assets (ROA) | -1.2166% | 7,111 |
Pretax return on assets | -1.8320% | 7,226 |
Return on Equity (ROE) | -4.6049% | 6,787 |
Retained earnings to average equity (ytd only) | -4.6049% | 6,485 |
Net charge-offs to loans | 12.3390% | 23 |
Credit loss provision to net charge-offs | 40.1515% | 3,944 |
Earnings coverage of net charge-offs (x) | 0.2076% | 4,457 |
Efficiency ratio | 51.4184% | 6,897 |
Assets per employee ($millions) | 5.6810% | 1,428 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7037% | 7,074 |
Loan loss allowance to noncurrent loans | 5.8517% | 7,042 |
Noncurrent assets plus other real estate owned to assets | 8.8611% | 501 |
Noncurrent loans to loans | 12.0253% | 278 |
Net loans and leases to total assets | 72.5295% | 1,606 |
Net loans and leases to deposits | 101.1240% | 417 |
Net loans and leases to core deposits | 102.9328% | 1,135 |
Total domestic deposits to total assets | 71.7233% | 7,094 |
Equity capital to assets | 25.8405% | 108 |
Core capital (leverage) ratio | 25.6546% | 105 |
Tier 1 risk-based capital ratio | 32.6009% | 414 |
Total risk-based capital ratio | 33.2503% | 428 |
Memoranda: | ||
Average total assets | $27,947,500 | 7,214 |
Average earning assets | $26,614,000 | 7,152 |
Average equity | $7,383,500 | 5,811 |
Average total loans | $21,395,500 | 6,775 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7254% | 1,485 |
Cost of funding earning assets | 1.0363% | 5,508 |
Net interest margin | 4.6892% | 837 |
Noninterest income to average assets | 0.4431% | 4,575 |
Noninterest expense to average assets | 2.7459% | 4,799 |
Loan and lease loss provision to assets | 0.2841% | 4,531 |
Net operating income to assets | 1.9278% | 320 |
Return on assets (ROA) | 1.9278% | 340 |
Pretax return on assets | 1.8521% | 681 |
Return on Equity (ROE) | 7.0178% | 3,112 |
Retained earnings to average equity (ytd only) | 6.6731% | 1,468 |
Net charge-offs to loans | -0.0143% | 7,340 |
Credit loss provision to net charge-offs | -2,500.0000% | 7,191 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.2452% | 6,569 |
Assets per employee ($millions) | 5.4980% | 1,577 |
Cash dividends to net income (ytd only)* | 4.9116% | 3,884 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4543% | 1,471 |
Loan loss allowance to noncurrent loans | 22.8463% | 6,703 |
Noncurrent assets plus other real estate owned to assets | 8.6941% | 531 |
Noncurrent loans to loans | 10.7426% | 369 |
Net loans and leases to total assets | 78.2175% | 910 |
Net loans and leases to deposits | 115.0516% | 157 |
Net loans and leases to core deposits | 115.0516% | 672 |
Total domestic deposits to total assets | 67.9847% | 7,324 |
Equity capital to assets | 27.0171% | 100 |
Core capital (leverage) ratio | 27.4755% | 97 |
Tier 1 risk-based capital ratio | 31.8594% | 434 |
Total risk-based capital ratio | 33.1228% | 424 |
Memoranda: | ||
Average total assets | $26,403,000 | 7,307 |
Average earning assets | $24,993,800 | 7,256 |
Average equity | $7,253,000 | 5,945 |
Average total loans | $20,965,600 | 6,873 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8966% | 1,138 |
Cost of funding earning assets | 1.0726% | 5,582 |
Net interest margin | 4.8240% | 641 |
Noninterest income to average assets | 0.4541% | 4,526 |
Noninterest expense to average assets | 2.5716% | 5,424 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 2.7246% | 110 |
Return on assets (ROA) | 2.7246% | 113 |
Pretax return on assets | 2.4491% | 252 |
Return on Equity (ROE) | 9.8756% | 2,170 |
Retained earnings to average equity (ytd only) | 9.6352% | 885 |
Net charge-offs to loans | -0.0902% | 7,538 |
Credit loss provision to net charge-offs | 0.0000% | 6,367 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.2195% | 7,053 |
Assets per employee ($millions) | 5.2196% | 1,909 |
Cash dividends to net income (ytd only)* | 2.4341% | 3,488 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2406% | 1,721 |
Loan loss allowance to noncurrent loans | 31.6523% | 6,231 |
Noncurrent assets plus other real estate owned to assets | 5.8817% | 1,024 |
Noncurrent loans to loans | 7.0788% | 783 |
Net loans and leases to total assets | 79.7456% | 790 |
Net loans and leases to deposits | 117.6151% | 138 |
Net loans and leases to core deposits | 117.6151% | 695 |
Total domestic deposits to total assets | 67.8021% | 7,392 |
Equity capital to assets | 28.6152% | 93 |
Core capital (leverage) ratio | 27.2857% | 104 |
Tier 1 risk-based capital ratio | 33.2485% | 402 |
Total risk-based capital ratio | 34.5082% | 391 |
Memoranda: | ||
Average total assets | $26,131,250 | 7,407 |
Average earning assets | $24,736,750 | 7,357 |
Average equity | $7,209,500 | 6,039 |
Average total loans | $20,696,250 | 6,976 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.8018% | 1,422 |
Cost of funding earning assets | 1.1005% | 5,667 |
Net interest margin | 4.7013% | 813 |
Noninterest income to average assets | 0.4284% | 4,688 |
Noninterest expense to average assets | 2.7083% | 4,869 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 2.5782% | 127 |
Return on assets (ROA) | 2.5782% | 130 |
Pretax return on assets | 2.1651% | 435 |
Return on Equity (ROE) | 9.4619% | 2,288 |
Retained earnings to average equity (ytd only) | 9.0969% | 1,076 |
Net charge-offs to loans | -0.0781% | 7,521 |
Credit loss provision to net charge-offs | 0.0000% | 6,004 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.5730% | 6,693 |
Assets per employee ($millions) | 5.3330% | 1,774 |
Cash dividends to net income (ytd only)* | 3.8576% | 3,274 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1919% | 1,776 |
Loan loss allowance to noncurrent loans | 31.9973% | 6,231 |
Noncurrent assets plus other real estate owned to assets | 5.6254% | 1,085 |
Noncurrent loans to loans | 6.8503% | 848 |
Net loans and leases to total assets | 78.8187% | 992 |
Net loans and leases to deposits | 119.0428% | 134 |
Net loans and leases to core deposits | 119.0428% | 726 |
Total domestic deposits to total assets | 66.2104% | 7,521 |
Equity capital to assets | 27.2792% | 110 |
Core capital (leverage) ratio | 27.3138% | 101 |
Tier 1 risk-based capital ratio | 32.0590% | 427 |
Total risk-based capital ratio | 33.3186% | 414 |
Memoranda: | ||
Average total assets | $26,142,330 | 7,464 |
Average earning assets | $24,716,330 | 7,415 |
Average equity | $7,123,330 | 6,102 |
Average total loans | $20,498,670 | 7,039 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7610% | 1,595 |
Cost of funding earning assets | 1.1457% | 5,677 |
Net interest margin | 4.6154% | 921 |
Noninterest income to average assets | 0.4327% | 4,633 |
Noninterest expense to average assets | 2.2256% | 6,618 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 2.4419% | 165 |
Return on assets (ROA) | 2.4419% | 181 |
Pretax return on assets | 2.5656% | 230 |
Return on Equity (ROE) | 8.9671% | 2,505 |
Retained earnings to average equity (ytd only) | 8.9671% | 1,409 |
Net charge-offs to loans | -0.0800% | 7,473 |
Credit loss provision to net charge-offs | 0.0000% | 5,126 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 46.4516% | 7,529 |
Assets per employee ($millions) | 5.0792% | 2,130 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2843% | 1,601 |
Loan loss allowance to noncurrent loans | 37.0635% | 5,898 |
Noncurrent assets plus other real estate owned to assets | 5.0717% | 1,257 |
Noncurrent loans to loans | 6.1632% | 1,056 |
Net loans and leases to total assets | 78.6620% | 1,031 |
Net loans and leases to deposits | 115.7148% | 185 |
Net loans and leases to core deposits | 115.7148% | 958 |
Total domestic deposits to total assets | 67.9792% | 7,531 |
Equity capital to assets | 28.0517% | 105 |
Core capital (leverage) ratio | 26.8729% | 105 |
Tier 1 risk-based capital ratio | 33.0197% | 409 |
Total risk-based capital ratio | 34.2821% | 403 |
Memoranda: | ||
Average total assets | $25,881,000 | 7,569 |
Average earning assets | $24,440,000 | 7,520 |
Average equity | $7,048,000 | 6,176 |
Average total loans | $20,004,000 | 7,153 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2031% | 1,234 |
Cost of funding earning assets | 1.3549% | 6,123 |
Net interest margin | 4.8482% | 621 |
Noninterest income to average assets | 0.2492% | 6,321 |
Noninterest expense to average assets | 2.6844% | 5,460 |
Loan and lease loss provision to assets | 1.0194% | 2,238 |
Net operating income to assets | 1.0949% | 1,526 |
Return on assets (ROA) | 1.0949% | 1,571 |
Pretax return on assets | 1.1251% | 2,171 |
Return on Equity (ROE) | 4.1687% | 4,015 |
Retained earnings to average equity (ytd only) | 3.8093% | 2,534 |
Net charge-offs to loans | 1.1417% | 2,141 |
Credit loss provision to net charge-offs | 120.0000% | 4,455 |
Earnings coverage of net charge-offs (x) | 2.5244% | 3,861 |
Efficiency ratio | 55.5903% | 7,060 |
Assets per employee ($millions) | 5.2732% | 1,860 |
Cash dividends to net income (ytd only)* | 8.6207% | 3,910 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.3666% | 1,392 |
Loan loss allowance to noncurrent loans | 46.6264% | 5,275 |
Noncurrent assets plus other real estate owned to assets | 3.8724% | 1,717 |
Noncurrent loans to loans | 5.0756% | 1,324 |
Net loans and leases to total assets | 72.4456% | 2,648 |
Net loans and leases to deposits | 100.6322% | 851 |
Net loans and leases to core deposits | 113.0571% | 2,593 |
Total domestic deposits to total assets | 71.9904% | 7,243 |
Equity capital to assets | 26.4431% | 134 |
Core capital (leverage) ratio | 25.2652% | 151 |
Tier 1 risk-based capital ratio | 34.0892% | 368 |
Total risk-based capital ratio | 35.3534% | 359 |
Memoranda: | ||
Average total assets | $26,486,800 | 7,597 |
Average earning assets | $25,019,600 | 7,541 |
Average equity | $6,956,600 | 6,284 |
Average total loans | $19,707,400 | 7,211 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3185% | 1,094 |
Cost of funding earning assets | 1.3699% | 6,335 |
Net interest margin | 4.9486% | 501 |
Noninterest income to average assets | 0.1961% | 6,815 |
Noninterest expense to average assets | 2.3884% | 6,453 |
Loan and lease loss provision to assets | 0.3017% | 4,561 |
Net operating income to assets | 2.1520% | 207 |
Return on assets (ROA) | 2.1520% | 224 |
Pretax return on assets | 2.1923% | 359 |
Return on Equity (ROE) | 8.2075% | 2,557 |
Retained earnings to average equity (ytd only) | 7.9583% | 1,152 |
Net charge-offs to loans | 0.0203% | 6,619 |
Credit loss provision to net charge-offs | 2,000.0000% | 194 |
Earnings coverage of net charge-offs (x) | 165.3300% | 228 |
Efficiency ratio | 48.9186% | 7,625 |
Assets per employee ($millions) | 5.3198% | 1,768 |
Cash dividends to net income (ytd only)* | 3.0369% | 3,657 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2433% | 1,358 |
Loan loss allowance to noncurrent loans | 92.7734% | 2,960 |
Noncurrent assets plus other real estate owned to assets | 2.0302% | 3,306 |
Noncurrent loans to loans | 2.4181% | 3,116 |
Net loans and leases to total assets | 77.8187% | 1,606 |
Net loans and leases to deposits | 113.7620% | 336 |
Net loans and leases to core deposits | 126.5762% | 1,694 |
Total domestic deposits to total assets | 68.4048% | 7,539 |
Equity capital to assets | 26.8130% | 153 |
Core capital (leverage) ratio | 25.4987% | 160 |
Tier 1 risk-based capital ratio | 31.8176% | 478 |
Total risk-based capital ratio | 33.0802% | 471 |
Memoranda: | ||
Average total assets | $26,517,000 | 7,665 |
Average earning assets | $25,111,000 | 7,605 |
Average equity | $6,952,750 | 6,329 |
Average total loans | $19,743,250 | 7,274 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2850% | 1,247 |
Cost of funding earning assets | 1.3913% | 6,510 |
Net interest margin | 4.8937% | 549 |
Noninterest income to average assets | 0.3398% | 5,798 |
Noninterest expense to average assets | 2.4387% | 6,343 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 2.4613% | 116 |
Return on assets (ROA) | 2.4613% | 129 |
Pretax return on assets | 2.5217% | 206 |
Return on Equity (ROE) | 9.4589% | 2,199 |
Retained earnings to average equity (ytd only) | 9.0817% | 914 |
Net charge-offs to loans | 0.0311% | 6,025 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | 111.3333% | 344 |
Efficiency ratio | 49.1629% | 7,711 |
Assets per employee ($millions) | 5.4710% | 1,606 |
Cash dividends to net income (ytd only)* | 3.9877% | 3,489 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9790% | 1,613 |
Loan loss allowance to noncurrent loans | 64.7426% | 4,196 |
Noncurrent assets plus other real estate owned to assets | 2.6284% | 2,443 |
Noncurrent loans to loans | 3.0567% | 2,351 |
Net loans and leases to total assets | 75.1417% | 2,404 |
Net loans and leases to deposits | 113.2133% | 436 |
Net loans and leases to core deposits | 121.5625% | 2,235 |
Total domestic deposits to total assets | 66.3718% | 7,716 |
Equity capital to assets | 25.7065% | 187 |
Core capital (leverage) ratio | 24.7913% | 213 |
Tier 1 risk-based capital ratio | 31.0175% | 538 |
Total risk-based capital ratio | 32.2754% | 529 |
Memoranda: | ||
Average total assets | $26,489,670 | 7,741 |
Average earning assets | $25,012,000 | 7,680 |
Average equity | $6,893,000 | 6,407 |
Average total loans | $19,266,330 | 7,379 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2509% | 1,443 |
Cost of funding earning assets | 1.4526% | 6,565 |
Net interest margin | 4.7983% | 609 |
Noninterest income to average assets | 0.3224% | 5,872 |
Noninterest expense to average assets | 2.1338% | 7,045 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 2.5790% | 115 |
Return on assets (ROA) | 2.5790% | 140 |
Pretax return on assets | 2.7018% | 178 |
Return on Equity (ROE) | 9.8483% | 2,379 |
Retained earnings to average equity (ytd only) | 9.8483% | 1,232 |
Net charge-offs to loans | 0.0869% | 4,295 |
Credit loss provision to net charge-offs | 0.0000% | 5,248 |
Earnings coverage of net charge-offs (x) | 44.0000% | 791 |
Efficiency ratio | 44.1270% | 7,922 |
Assets per employee ($millions) | 5.3914% | 1,656 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1039% | 1,226 |
Loan loss allowance to noncurrent loans | 2,178.9474% | 216 |
Noncurrent assets plus other real estate owned to assets | 0.3598% | 6,428 |
Noncurrent loans to loans | 0.0966% | 7,250 |
Net loans and leases to total assets | 71.4620% | 3,363 |
Net loans and leases to deposits | 119.0532% | 312 |
Net loans and leases to core deposits | 125.2780% | 1,972 |
Total domestic deposits to total assets | 60.0252% | 7,967 |
Equity capital to assets | 25.6037% | 210 |
Core capital (leverage) ratio | 26.2142% | 203 |
Tier 1 risk-based capital ratio | 31.3829% | 565 |
Total risk-based capital ratio | 32.6413% | 549 |
Memoranda: | ||
Average total assets | $26,057,000 | 7,797 |
Average earning assets | $24,508,500 | 7,742 |
Average equity | $6,823,500 | 6,470 |
Average total loans | $18,414,500 | 7,465 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.7834% | 1,741 |
Cost of funding earning assets | 2.0364% | 6,294 |
Net interest margin | 4.7470% | 872 |
Noninterest income to average assets | 0.3848% | 5,602 |
Noninterest expense to average assets | 2.7270% | 5,147 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 2.0703% | 306 |
Return on assets (ROA) | 2.0703% | 288 |
Pretax return on assets | 2.1038% | 482 |
Return on Equity (ROE) | 7.6144% | 3,234 |
Retained earnings to average equity (ytd only) | 7.3376% | 1,040 |
Net charge-offs to loans | 0.1809% | 4,380 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | 17.3448% | 1,780 |
Efficiency ratio | 56.4502% | 6,949 |
Assets per employee ($millions) | 5.0314% | 1,924 |
Cash dividends to net income (ytd only)* | 3.6364% | 4,795 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4372% | 732 |
Loan loss allowance to noncurrent loans | 819.6078% | 571 |
Noncurrent assets plus other real estate owned to assets | 0.4015% | 6,015 |
Noncurrent loans to loans | 0.2974% | 6,488 |
Net loans and leases to total assets | 66.5143% | 4,750 |
Net loans and leases to deposits | 98.7489% | 2,017 |
Net loans and leases to core deposits | 103.6548% | 4,425 |
Total domestic deposits to total assets | 67.3570% | 7,531 |
Equity capital to assets | 26.8116% | 222 |
Core capital (leverage) ratio | 25.7396% | 248 |
Tier 1 risk-based capital ratio | 34.6108% | 460 |
Total risk-based capital ratio | 35.8727% | 448 |
Memoranda: | ||
Average total assets | $23,909,400 | 7,875 |
Average earning assets | $22,393,000 | 7,843 |
Average equity | $6,500,800 | 6,640 |
Average total loans | $16,030,000 | 7,587 |