Home > American Community Bank > Performance and Condition Ratios
American Community Bank, Performance and Condition Ratios
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4278% | 1,264 |
Cost of funding earning assets | 1.0557% | 3,181 |
Net interest margin | 4.3721% | 732 |
Noninterest income to average assets | 0.5200% | 1,874 |
Noninterest expense to average assets | 3.5434% | 553 |
Loan and lease loss provision to assets | 0.0000% | 3,179 |
Net operating income to assets | 0.7970% | 2,880 |
Return on assets (ROA) | 0.7864% | 2,894 |
Pretax return on assets | 1.0144% | 2,640 |
Return on Equity (ROE) | 6.3000% | 3,461 |
Retained earnings to average equity (ytd only) | 4.5833% | 2,760 |
Net charge-offs to loans | 0.0052% | 2,530 |
Credit loss provision to net charge-offs | 0.0000% | 2,397 |
Earnings coverage of net charge-offs (x) | 261.0000% | 481 |
Efficiency ratio | 77.5155% | 1,113 |
Assets per employee ($millions) | 6.2211% | 2,618 |
Cash dividends to net income (ytd only)* | 27.2909% | 2,659 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1491% | 2,552 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,805 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,871 |
Noncurrent loans to loans | 0.0000% | 3,821 |
Net loans and leases to total assets | 79.1600% | 746 |
Net loans and leases to deposits | 102.1828% | 423 |
Net loans and leases to core deposits | 105.7393% | 1,124 |
Total domestic deposits to total assets | 77.4700% | 3,790 |
Equity capital to assets | 12.8481% | 889 |
Core capital (leverage) ratio | 13.7447% | 854 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,896 |
Memoranda: | ||
Average total assets | $253,935,000 | 2,657 |
Average earning assets | $235,585,400 | 2,655 |
Average equity | $31,680,400 | 2,193 |
Average total loans | $194,070,400 | 2,330 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3100% | 1,277 |
Cost of funding earning assets | 0.9059% | 3,257 |
Net interest margin | 4.4041% | 696 |
Noninterest income to average assets | 0.5100% | 1,913 |
Noninterest expense to average assets | 3.3636% | 658 |
Loan and lease loss provision to assets | 0.0000% | 2,992 |
Net operating income to assets | 0.9608% | 2,481 |
Return on assets (ROA) | 0.9467% | 2,513 |
Pretax return on assets | 1.2211% | 2,246 |
Return on Equity (ROE) | 7.6500% | 3,276 |
Retained earnings to average equity (ytd only) | 5.3319% | 2,831 |
Net charge-offs to loans | 0.0139% | 1,894 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 117.8500% | 848 |
Efficiency ratio | 73.0813% | 1,444 |
Assets per employee ($millions) | 5.8779% | 2,857 |
Cash dividends to net income (ytd only)* | 30.2610% | 2,067 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1929% | 2,398 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,833 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,901 |
Noncurrent loans to loans | 0.0000% | 3,847 |
Net loans and leases to total assets | 78.4100% | 834 |
Net loans and leases to deposits | 98.9834% | 561 |
Net loans and leases to core deposits | 102.1736% | 1,203 |
Total domestic deposits to total assets | 79.2100% | 3,655 |
Equity capital to assets | 12.9201% | 830 |
Core capital (leverage) ratio | 14.0588% | 812 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,911 |
Memoranda: | ||
Average total assets | $253,652,500 | 2,669 |
Average earning assets | $235,774,000 | 2,661 |
Average equity | $31,407,750 | 2,194 |
Average total loans | $191,524,750 | 2,346 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2645% | 1,124 |
Cost of funding earning assets | 0.7741% | 3,285 |
Net interest margin | 4.4904% | 613 |
Noninterest income to average assets | 0.5200% | 1,794 |
Noninterest expense to average assets | 3.3183% | 676 |
Loan and lease loss provision to assets | 0.0000% | 2,857 |
Net operating income to assets | 1.0784% | 2,181 |
Return on assets (ROA) | 1.0574% | 2,240 |
Pretax return on assets | 1.3637% | 1,908 |
Return on Equity (ROE) | 8.6600% | 3,073 |
Retained earnings to average equity (ytd only) | 5.1720% | 2,897 |
Net charge-offs to loans | 0.0137% | 1,677 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 136.8462% | 788 |
Efficiency ratio | 70.4730% | 1,723 |
Assets per employee ($millions) | 6.0052% | 2,706 |
Cash dividends to net income (ytd only)* | 40.2809% | 1,681 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2114% | 2,385 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,834 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,917 |
Noncurrent loans to loans | 0.0000% | 3,848 |
Net loans and leases to total assets | 77.6400% | 873 |
Net loans and leases to deposits | 97.4495% | 647 |
Net loans and leases to core deposits | 99.8297% | 1,252 |
Total domestic deposits to total assets | 79.6700% | 3,618 |
Equity capital to assets | 12.9144% | 829 |
Core capital (leverage) ratio | 13.5926% | 858 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 2,936 |
Memoranda: | ||
Average total assets | $255,912,667 | 2,656 |
Average earning assets | $238,729,667 | 2,644 |
Average equity | $31,245,000 | 2,210 |
Average total loans | $190,064,000 | 2,354 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0651% | 1,120 |
Cost of funding earning assets | 0.6647% | 3,174 |
Net interest margin | 4.4005% | 682 |
Noninterest income to average assets | 0.3100% | 2,990 |
Noninterest expense to average assets | 3.3118% | 686 |
Loan and lease loss provision to assets | 0.0000% | 2,553 |
Net operating income to assets | 0.8665% | 2,973 |
Return on assets (ROA) | 0.8253% | 3,063 |
Pretax return on assets | 1.0646% | 2,816 |
Return on Equity (ROE) | 6.9500% | 3,529 |
Retained earnings to average equity (ytd only) | -0.0904% | 4,048 |
Net charge-offs to loans | 0.0276% | 1,139 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 56.0000% | 1,053 |
Efficiency ratio | 74.7835% | 1,268 |
Assets per employee ($millions) | 6.3323% | 2,469 |
Cash dividends to net income (ytd only)* | 101.3011% | 436 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2151% | 2,477 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,881 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,959 |
Noncurrent loans to loans | 0.0000% | 3,889 |
Net loans and leases to total assets | 73.4000% | 1,275 |
Net loans and leases to deposits | 87.6306% | 1,239 |
Net loans and leases to core deposits | 89.2527% | 1,659 |
Total domestic deposits to total assets | 83.7600% | 3,136 |
Equity capital to assets | 11.9789% | 1,005 |
Core capital (leverage) ratio | 12.5709% | 1,111 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,020 |
Memoranda: | ||
Average total assets | $260,762,000 | 2,666 |
Average earning assets | $244,337,000 | 2,647 |
Average equity | $30,969,000 | 2,249 |
Average total loans | $188,346,000 | 2,387 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2976% | 1,057 |
Cost of funding earning assets | 0.2926% | 2,941 |
Net interest margin | 4.0050% | 783 |
Noninterest income to average assets | 0.2300% | 3,761 |
Noninterest expense to average assets | 2.9518% | 1,043 |
Loan and lease loss provision to assets | 0.0000% | 2,926 |
Net operating income to assets | 0.7426% | 3,502 |
Return on assets (ROA) | 0.7426% | 3,439 |
Pretax return on assets | 0.8998% | 3,355 |
Return on Equity (ROE) | 6.6000% | 3,712 |
Retained earnings to average equity (ytd only) | 4.2959% | 3,301 |
Net charge-offs to loans | 0.0123% | 1,922 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 113.1818% | 912 |
Efficiency ratio | 76.6395% | 953 |
Assets per employee ($millions) | 6.3878% | 2,429 |
Cash dividends to net income (ytd only)* | 34.9392% | 2,166 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2824% | 1,983 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,900 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 3,976 |
Noncurrent loans to loans | 0.0000% | 3,914 |
Net loans and leases to total assets | 69.2800% | 1,703 |
Net loans and leases to deposits | 82.4755% | 1,583 |
Net loans and leases to core deposits | 84.4267% | 1,852 |
Total domestic deposits to total assets | 84.0000% | 3,207 |
Equity capital to assets | 11.7747% | 999 |
Core capital (leverage) ratio | 11.9295% | 1,306 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,055 |
Memoranda: | ||
Average total assets | $276,743,400 | 2,566 |
Average earning assets | $250,186,600 | 2,611 |
Average equity | $31,122,600 | 2,290 |
Average total loans | $178,271,800 | 2,392 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1111% | 1,044 |
Cost of funding earning assets | 0.2333% | 2,892 |
Net interest margin | 3.8778% | 834 |
Noninterest income to average assets | 0.2300% | 3,794 |
Noninterest expense to average assets | 2.8272% | 1,194 |
Loan and lease loss provision to assets | 0.0000% | 2,752 |
Net operating income to assets | 0.7027% | 3,563 |
Return on assets (ROA) | 0.7027% | 3,517 |
Pretax return on assets | 0.8786% | 3,380 |
Return on Equity (ROE) | 6.3200% | 3,731 |
Retained earnings to average equity (ytd only) | 3.2484% | 3,712 |
Net charge-offs to loans | 0.0158% | 1,546 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 88.0000% | 1,004 |
Efficiency ratio | 76.2925% | 1,050 |
Assets per employee ($millions) | 7.2267% | 1,794 |
Cash dividends to net income (ytd only)* | 48.5792% | 1,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3212% | 1,935 |
Loan loss allowance to noncurrent loans | 0.0000% | 3,983 |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,052 |
Noncurrent loans to loans | 0.0000% | 3,992 |
Net loans and leases to total assets | 62.4900% | 2,235 |
Net loans and leases to deposits | 71.8006% | 2,224 |
Net loans and leases to core deposits | 73.9999% | 2,350 |
Total domestic deposits to total assets | 87.0300% | 2,749 |
Equity capital to assets | 10.8358% | 1,236 |
Core capital (leverage) ratio | 11.3885% | 1,505 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 0.0000% | 3,120 |
Memoranda: | ||
Average total assets | $280,454,250 | 2,566 |
Average earning assets | $251,509,000 | 2,626 |
Average equity | $31,193,750 | 2,315 |
Average total loans | $176,892,250 | 2,400 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.0326% | 893 |
Cost of funding earning assets | 0.2130% | 2,732 |
Net interest margin | 3.8196% | 721 |
Noninterest income to average assets | 0.2279% | 3,828 |
Noninterest expense to average assets | 2.7487% | 1,274 |
Loan and lease loss provision to assets | 0.0000% | 2,599 |
Net operating income to assets | 0.6993% | 3,313 |
Return on assets (ROA) | 0.6993% | 3,267 |
Pretax return on assets | 0.8743% | 3,138 |
Return on Equity (ROE) | 6.2334% | 3,520 |
Retained earnings to average equity (ytd only) | 1.6618% | 3,834 |
Net charge-offs to loans | 0.0215% | 1,295 |
Credit loss provision to net charge-offs | 0.0000% | 1,663 |
Earnings coverage of net charge-offs (x) | 64.4211% | 1,046 |
Efficiency ratio | 75.8675% | 1,301 |
Assets per employee ($millions) | 7.0268% | 1,922 |
Cash dividends to net income (ytd only)* | 73.3401% | 745 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3482% | 1,964 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,093 |
Noncurrent loans to loans | 0.0000% | 4,026 |
Net loans and leases to total assets | 61.4412% | 2,179 |
Net loans and leases to deposits | 70.8233% | 2,126 |
Net loans and leases to core deposits | 73.9162% | 2,181 |
Total domestic deposits to total assets | 86.7529% | 3,019 |
Equity capital to assets | 11.1185% | 1,161 |
Core capital (leverage) ratio | 11.2825% | 1,442 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $279,991,333 | 2,584 |
Average earning assets | $248,872,667 | 2,682 |
Average equity | $31,411,667 | 2,348 |
Average total loans | $176,366,667 | 2,404 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1325% | 594 |
Cost of funding earning assets | 0.2078% | 2,691 |
Net interest margin | 3.9247% | 473 |
Noninterest income to average assets | 0.2075% | 3,916 |
Noninterest expense to average assets | 2.7554% | 1,243 |
Loan and lease loss provision to assets | 0.0000% | 2,285 |
Net operating income to assets | 0.7729% | 2,757 |
Return on assets (ROA) | 0.7729% | 2,749 |
Pretax return on assets | 0.9662% | 2,549 |
Return on Equity (ROE) | 6.8589% | 3,083 |
Retained earnings to average equity (ytd only) | -2.2609% | 4,268 |
Net charge-offs to loans | 0.0023% | 1,733 |
Credit loss provision to net charge-offs | 0.0000% | 1,336 |
Earnings coverage of net charge-offs (x) | 675.0000% | 144 |
Efficiency ratio | 74.0385% | 1,738 |
Assets per employee ($millions) | 7.6847% | 1,560 |
Cash dividends to net income (ytd only)* | 132.9630% | 363 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3727% | 2,018 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,139 |
Noncurrent loans to loans | 0.0000% | 4,066 |
Net loans and leases to total assets | 58.5084% | 2,244 |
Net loans and leases to deposits | 67.2462% | 2,222 |
Net loans and leases to core deposits | 70.1727% | 2,281 |
Total domestic deposits to total assets | 87.0063% | 2,926 |
Equity capital to assets | 10.6928% | 1,494 |
Core capital (leverage) ratio | 11.3140% | 1,350 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $279,451,000 | 2,603 |
Average earning assets | $250,211,500 | 2,681 |
Average equity | $31,492,000 | 2,411 |
Average total loans | $177,023,000 | 2,402 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2277% | 950 |
Cost of funding earning assets | 0.2358% | 3,079 |
Net interest margin | 3.9919% | 721 |
Noninterest income to average assets | 0.4372% | 2,872 |
Noninterest expense to average assets | 2.8692% | 1,222 |
Loan and lease loss provision to assets | 0.0000% | 3,064 |
Net operating income to assets | 1.0340% | 2,543 |
Return on assets (ROA) | 1.0340% | 2,612 |
Pretax return on assets | 1.2384% | 2,556 |
Return on Equity (ROE) | 8.4484% | 3,093 |
Retained earnings to average equity (ytd only) | 6.9973% | 1,917 |
Net charge-offs to loans | -0.0294% | 4,116 |
Credit loss provision to net charge-offs | 0.0000% | 2,330 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 69.8510% | 1,751 |
Assets per employee ($millions) | 7.2131% | 1,783 |
Cash dividends to net income (ytd only)* | 17.1760% | 3,123 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3157% | 2,291 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,222 |
Noncurrent loans to loans | 0.0000% | 4,145 |
Net loans and leases to total assets | 66.8583% | 1,392 |
Net loans and leases to deposits | 77.9872% | 1,397 |
Net loans and leases to core deposits | 81.6310% | 1,486 |
Total domestic deposits to total assets | 85.7298% | 3,006 |
Equity capital to assets | 11.8999% | 1,298 |
Core capital (leverage) ratio | 11.9771% | 1,093 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $250,002,600 | 2,729 |
Average earning assets | $229,864,000 | 2,746 |
Average equity | $30,597,400 | 2,493 |
Average total loans | $190,210,800 | 2,302 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2326% | 1,059 |
Cost of funding earning assets | 0.2440% | 3,175 |
Net interest margin | 3.9886% | 811 |
Noninterest income to average assets | 0.5159% | 2,557 |
Noninterest expense to average assets | 2.8436% | 1,232 |
Loan and lease loss provision to assets | 0.0000% | 2,963 |
Net operating income to assets | 1.1435% | 2,395 |
Return on assets (ROA) | 1.1435% | 2,455 |
Pretax return on assets | 1.3616% | 2,458 |
Return on Equity (ROE) | 9.2738% | 3,012 |
Retained earnings to average equity (ytd only) | 7.3205% | 2,300 |
Net charge-offs to loans | -0.0457% | 4,311 |
Credit loss provision to net charge-offs | 0.0000% | 2,044 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 67.6213% | 1,884 |
Assets per employee ($millions) | 7.2925% | 1,684 |
Cash dividends to net income (ytd only)* | 21.0626% | 2,499 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2913% | 2,535 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,311 |
Noncurrent loans to loans | 0.0000% | 4,237 |
Net loans and leases to total assets | 71.5473% | 915 |
Net loans and leases to deposits | 83.6886% | 983 |
Net loans and leases to core deposits | 88.1356% | 1,143 |
Total domestic deposits to total assets | 85.4924% | 2,950 |
Equity capital to assets | 12.2517% | 1,285 |
Core capital (leverage) ratio | 12.1193% | 1,116 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $245,782,250 | 2,780 |
Average earning assets | $227,339,500 | 2,783 |
Average equity | $30,307,000 | 2,543 |
Average total loans | $192,560,250 | 2,322 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3823% | 868 |
Cost of funding earning assets | 0.2577% | 3,209 |
Net interest margin | 4.1246% | 663 |
Noninterest income to average assets | 0.6685% | 1,935 |
Noninterest expense to average assets | 2.8405% | 1,270 |
Loan and lease loss provision to assets | 0.0000% | 2,862 |
Net operating income to assets | 1.3914% | 1,584 |
Return on assets (ROA) | 1.3914% | 1,657 |
Pretax return on assets | 1.6535% | 1,604 |
Return on Equity (ROE) | 11.2587% | 2,314 |
Retained earnings to average equity (ytd only) | 8.2973% | 1,977 |
Net charge-offs to loans | -0.0021% | 3,202 |
Credit loss provision to net charge-offs | 0.0000% | 1,801 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.2062% | 2,538 |
Assets per employee ($millions) | 6.7634% | 1,974 |
Cash dividends to net income (ytd only)* | 26.3033% | 2,237 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2280% | 2,784 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,353 |
Noncurrent loans to loans | 0.0000% | 4,280 |
Net loans and leases to total assets | 76.7718% | 522 |
Net loans and leases to deposits | 90.2706% | 636 |
Net loans and leases to core deposits | 95.3748% | 835 |
Total domestic deposits to total assets | 85.0462% | 3,077 |
Equity capital to assets | 12.6374% | 1,069 |
Core capital (leverage) ratio | 12.4771% | 936 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $242,630,333 | 2,795 |
Average earning assets | $225,040,667 | 2,795 |
Average equity | $29,985,667 | 2,555 |
Average total loans | $195,078,667 | 2,312 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3020% | 1,032 |
Cost of funding earning assets | 0.2855% | 3,141 |
Net interest margin | 4.0165% | 822 |
Noninterest income to average assets | 1.1280% | 942 |
Noninterest expense to average assets | 2.8901% | 1,171 |
Loan and lease loss provision to assets | 0.0000% | 2,741 |
Net operating income to assets | 1.6465% | 1,024 |
Return on assets (ROA) | 1.6465% | 1,077 |
Pretax return on assets | 1.9554% | 1,021 |
Return on Equity (ROE) | 13.4759% | 1,548 |
Retained earnings to average equity (ytd only) | 7.4746% | 2,423 |
Net charge-offs to loans | -0.0020% | 3,139 |
Credit loss provision to net charge-offs | 0.0000% | 1,471 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 59.6455% | 3,072 |
Assets per employee ($millions) | 6.6602% | 2,044 |
Cash dividends to net income (ytd only)* | 44.5336% | 1,270 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1732% | 3,075 |
Loan loss allowance to noncurrent loans | 160.9418% | 2,689 |
Noncurrent assets plus other real estate owned to assets | 0.5860% | 1,623 |
Noncurrent loans to loans | 0.7290% | 1,782 |
Net loans and leases to total assets | 79.4386% | 372 |
Net loans and leases to deposits | 94.6551% | 459 |
Net loans and leases to core deposits | 100.2001% | 706 |
Total domestic deposits to total assets | 83.9243% | 3,461 |
Equity capital to assets | 12.1366% | 1,228 |
Core capital (leverage) ratio | 12.5574% | 970 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $242,203,500 | 2,783 |
Average earning assets | $224,174,500 | 2,784 |
Average equity | $29,593,500 | 2,577 |
Average total loans | $197,992,500 | 2,295 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2730% | 1,948 |
Cost of funding earning assets | 0.5846% | 2,415 |
Net interest margin | 3.6884% | 1,840 |
Noninterest income to average assets | 0.1878% | 4,350 |
Noninterest expense to average assets | 2.8056% | 1,928 |
Loan and lease loss provision to assets | 0.1731% | 2,226 |
Net operating income to assets | 0.5527% | 3,901 |
Return on assets (ROA) | 0.5839% | 3,909 |
Pretax return on assets | 0.7211% | 3,840 |
Return on Equity (ROE) | 4.7380% | 3,970 |
Retained earnings to average equity (ytd only) | 3.4947% | 3,081 |
Net charge-offs to loans | -0.0037% | 4,069 |
Credit loss provision to net charge-offs | -5,714.2857% | 4,349 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.6284% | 1,160 |
Assets per employee ($millions) | 6.7994% | 1,710 |
Cash dividends to net income (ytd only)* | 26.2417% | 3,008 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1738% | 3,090 |
Loan loss allowance to noncurrent loans | 160.8726% | 2,701 |
Noncurrent assets plus other real estate owned to assets | 0.6068% | 1,741 |
Noncurrent loans to loans | 0.7297% | 1,883 |
Net loans and leases to total assets | 82.1833% | 282 |
Net loans and leases to deposits | 101.5341% | 319 |
Net loans and leases to core deposits | 108.2688% | 563 |
Total domestic deposits to total assets | 80.9416% | 3,882 |
Equity capital to assets | 12.3032% | 1,418 |
Core capital (leverage) ratio | 12.4511% | 1,058 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $231,040,400 | 2,710 |
Average earning assets | $217,576,400 | 2,687 |
Average equity | $28,472,000 | 2,573 |
Average total loans | $187,004,600 | 2,354 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3041% | 2,090 |
Cost of funding earning assets | 0.6494% | 2,323 |
Net interest margin | 3.6547% | 2,087 |
Noninterest income to average assets | 0.1855% | 4,360 |
Noninterest expense to average assets | 2.7212% | 2,199 |
Loan and lease loss provision to assets | 0.1888% | 2,096 |
Net operating income to assets | 0.5826% | 3,822 |
Return on assets (ROA) | 0.6245% | 3,801 |
Pretax return on assets | 0.7727% | 3,721 |
Return on Equity (ROE) | 5.0653% | 3,876 |
Retained earnings to average equity (ytd only) | 3.3957% | 3,359 |
Net charge-offs to loans | -0.0022% | 3,895 |
Credit loss provision to net charge-offs | -10,833.3333% | 4,351 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 74.9400% | 1,308 |
Assets per employee ($millions) | 6.2799% | 2,018 |
Cash dividends to net income (ytd only)* | 32.9609% | 2,234 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1287% | 3,045 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,543 |
Noncurrent loans to loans | 0.0000% | 4,475 |
Net loans and leases to total assets | 82.3740% | 410 |
Net loans and leases to deposits | 99.1251% | 569 |
Net loans and leases to core deposits | 106.5015% | 831 |
Total domestic deposits to total assets | 83.1010% | 3,121 |
Equity capital to assets | 12.1013% | 1,623 |
Core capital (leverage) ratio | 12.2146% | 1,239 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $229,305,750 | 2,705 |
Average earning assets | $216,189,500 | 2,690 |
Average equity | $28,270,250 | 2,578 |
Average total loans | $184,280,250 | 2,380 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3918% | 2,234 |
Cost of funding earning assets | 0.7262% | 2,261 |
Net interest margin | 3.6657% | 2,277 |
Noninterest income to average assets | 0.1866% | 4,344 |
Noninterest expense to average assets | 2.6552% | 2,502 |
Loan and lease loss provision to assets | 0.1547% | 2,452 |
Net operating income to assets | 0.6693% | 3,503 |
Return on assets (ROA) | 0.7330% | 3,385 |
Pretax return on assets | 0.9054% | 3,299 |
Return on Equity (ROE) | 5.9072% | 3,549 |
Retained earnings to average equity (ytd only) | 3.3847% | 3,229 |
Net charge-offs to loans | -0.0022% | 3,840 |
Credit loss provision to net charge-offs | -8,750.0000% | 4,188 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.0124% | 1,569 |
Assets per employee ($millions) | 6.7762% | 1,575 |
Cash dividends to net income (ytd only)* | 42.7021% | 1,839 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0674% | 3,244 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,603 |
Noncurrent loans to loans | 0.0000% | 4,537 |
Net loans and leases to total assets | 79.5263% | 649 |
Net loans and leases to deposits | 95.0323% | 873 |
Net loans and leases to core deposits | 103.6901% | 1,023 |
Total domestic deposits to total assets | 83.6834% | 2,856 |
Equity capital to assets | 11.6749% | 1,847 |
Core capital (leverage) ratio | 12.6218% | 1,141 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | NA | NA |
Memoranda: | ||
Average total assets | $226,195,667 | 2,710 |
Average earning assets | $212,895,000 | 2,689 |
Average equity | $28,067,667 | 2,580 |
Average total loans | $179,434,333 | 2,406 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5255% | 2,239 |
Cost of funding earning assets | 0.8622% | 2,048 |
Net interest margin | 3.6633% | 2,455 |
Noninterest income to average assets | 0.2393% | 4,122 |
Noninterest expense to average assets | 3.1989% | 1,424 |
Loan and lease loss provision to assets | 0.0460% | 3,200 |
Net operating income to assets | 0.3884% | 4,163 |
Return on assets (ROA) | 0.3884% | 4,196 |
Pretax return on assets | 0.4509% | 4,205 |
Return on Equity (ROE) | 3.0293% | 4,213 |
Retained earnings to average equity (ytd only) | -2.0530% | 4,262 |
Net charge-offs to loans | -0.0047% | 3,847 |
Credit loss provision to net charge-offs | -1,250.0000% | 3,596 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 86.5538% | 662 |
Assets per employee ($millions) | 6.0280% | 1,656 |
Cash dividends to net income (ytd only)* | 167.7725% | 389 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1065% | 3,170 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
Noncurrent loans to loans | 0.0000% | 4,593 |
Net loans and leases to total assets | 80.0223% | 692 |
Net loans and leases to deposits | 96.3572% | 873 |
Net loans and leases to core deposits | 107.1965% | 985 |
Total domestic deposits to total assets | 83.0476% | 3,096 |
Equity capital to assets | 12.7844% | 1,555 |
Core capital (leverage) ratio | 13.0052% | 1,201 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 17.2993% | 1,280 |
Memoranda: | ||
Average total assets | $217,322,500 | 2,730 |
Average earning assets | $205,061,500 | 2,701 |
Average equity | $27,861,500 | 2,588 |
Average total loans | $171,106,000 | 2,441 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6283% | 2,524 |
Cost of funding earning assets | 1.0167% | 1,654 |
Net interest margin | 3.6116% | 3,099 |
Noninterest income to average assets | 0.2504% | 4,179 |
Noninterest expense to average assets | 3.0246% | 1,954 |
Loan and lease loss provision to assets | -0.0348% | 4,986 |
Net operating income to assets | 0.5500% | 4,287 |
Return on assets (ROA) | 0.5500% | 4,346 |
Pretax return on assets | 0.6557% | 4,312 |
Return on Equity (ROE) | 4.3264% | 4,390 |
Retained earnings to average equity (ytd only) | 2.7177% | 3,678 |
Net charge-offs to loans | -0.0054% | 4,360 |
Credit loss provision to net charge-offs | 833.3333% | 396 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.9665% | 732 |
Assets per employee ($millions) | 5.8821% | 1,728 |
Cash dividends to net income (ytd only)* | 37.1838% | 2,742 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1500% | 2,698 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,701 |
Noncurrent loans to loans | 0.0000% | 4,619 |
Net loans and leases to total assets | 75.6757% | 1,471 |
Net loans and leases to deposits | 88.4698% | 1,774 |
Net loans and leases to core deposits | 102.6930% | 1,340 |
Total domestic deposits to total assets | 85.5384% | 2,271 |
Equity capital to assets | 12.8562% | 1,609 |
Core capital (leverage) ratio | 12.7404% | 1,356 |
Tier 1 risk-based capital ratio | 16.9815% | 2,056 |
Total risk-based capital ratio | 18.1375% | 2,033 |
Memoranda: | ||
Average total assets | $215,631,600 | 2,702 |
Average earning assets | $202,710,600 | 2,683 |
Average equity | $27,413,000 | 2,537 |
Average total loans | $167,258,400 | 2,440 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6587% | 2,531 |
Cost of funding earning assets | 1.0282% | 1,640 |
Net interest margin | 3.6306% | 3,167 |
Noninterest income to average assets | 0.2491% | 4,251 |
Noninterest expense to average assets | 2.9612% | 2,080 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 0.5826% | 4,336 |
Return on assets (ROA) | 0.5826% | 4,385 |
Pretax return on assets | 0.6997% | 4,342 |
Return on Equity (ROE) | 4.5957% | 4,456 |
Retained earnings to average equity (ytd only) | 2.4445% | 4,123 |
Net charge-offs to loans | -0.0056% | 4,233 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.8871% | 844 |
Assets per employee ($millions) | 6.0848% | 1,543 |
Cash dividends to net income (ytd only)* | 46.8084% | 1,836 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1787% | 2,623 |
Loan loss allowance to noncurrent loans | 3,683.3333% | 192 |
Noncurrent assets plus other real estate owned to assets | 0.0240% | 4,624 |
Noncurrent loans to loans | 0.0320% | 4,525 |
Net loans and leases to total assets | 74.0654% | 1,808 |
Net loans and leases to deposits | 87.0889% | 2,048 |
Net loans and leases to core deposits | 100.4506% | 1,627 |
Total domestic deposits to total assets | 85.0457% | 2,409 |
Equity capital to assets | 12.3262% | 2,026 |
Core capital (leverage) ratio | 12.6053% | 1,526 |
Tier 1 risk-based capital ratio | 16.4709% | 2,278 |
Total risk-based capital ratio | 17.6438% | 2,237 |
Memoranda: | ||
Average total assets | $215,130,000 | 2,726 |
Average earning assets | $202,167,500 | 2,708 |
Average equity | $27,271,250 | 2,557 |
Average total loans | $167,419,250 | 2,460 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7121% | 2,326 |
Cost of funding earning assets | 1.0090% | 1,655 |
Net interest margin | 3.7030% | 2,923 |
Noninterest income to average assets | 0.2512% | 4,252 |
Noninterest expense to average assets | 2.9482% | 2,142 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 0.6620% | 4,124 |
Return on assets (ROA) | 0.6620% | 4,179 |
Pretax return on assets | 0.7791% | 4,141 |
Return on Equity (ROE) | 5.1713% | 4,301 |
Retained earnings to average equity (ytd only) | 1.9180% | 4,139 |
Net charge-offs to loans | -0.0048% | 4,111 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.0980% | 1,052 |
Assets per employee ($millions) | 5.4925% | 1,978 |
Cash dividends to net income (ytd only)* | 62.9101% | 1,320 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1693% | 2,673 |
Loan loss allowance to noncurrent loans | 3,424.1379% | 209 |
Noncurrent assets plus other real estate owned to assets | 0.0271% | 4,640 |
Noncurrent loans to loans | 0.0341% | 4,544 |
Net loans and leases to total assets | 78.3616% | 1,153 |
Net loans and leases to deposits | 93.5011% | 1,310 |
Net loans and leases to core deposits | 111.4411% | 891 |
Total domestic deposits to total assets | 83.8082% | 2,946 |
Equity capital to assets | 12.8338% | 1,673 |
Core capital (leverage) ratio | 12.8193% | 1,391 |
Tier 1 risk-based capital ratio | 16.0795% | 2,373 |
Total risk-based capital ratio | 17.2345% | 2,362 |
Memoranda: | ||
Average total assets | $211,793,670 | 2,760 |
Average earning assets | $198,809,330 | 2,751 |
Average equity | $27,111,330 | 2,562 |
Average total loans | $166,979,330 | 2,473 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7292% | 2,124 |
Cost of funding earning assets | 0.9386% | 1,844 |
Net interest margin | 3.7906% | 2,564 |
Noninterest income to average assets | 0.2165% | 4,452 |
Noninterest expense to average assets | 2.9480% | 2,139 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 0.7123% | 3,896 |
Return on assets (ROA) | 0.7123% | 3,942 |
Pretax return on assets | 0.8282% | 3,972 |
Return on Equity (ROE) | 5.5718% | 4,167 |
Retained earnings to average equity (ytd only) | -0.9806% | 4,650 |
Net charge-offs to loans | -0.0048% | 4,016 |
Credit loss provision to net charge-offs | 0.0000% | 2,210 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.0684% | 1,257 |
Assets per employee ($millions) | 5.7614% | 1,738 |
Cash dividends to net income (ytd only)* | 117.6000% | 482 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1762% | 2,708 |
Loan loss allowance to noncurrent loans | 2,961.1940% | 235 |
Noncurrent assets plus other real estate owned to assets | 0.0314% | 4,684 |
Noncurrent loans to loans | 0.0397% | 4,588 |
Net loans and leases to total assets | 78.2002% | 1,117 |
Net loans and leases to deposits | 95.4852% | 1,016 |
Net loans and leases to core deposits | 114.3197% | 725 |
Total domestic deposits to total assets | 81.8977% | 3,751 |
Equity capital to assets | 12.6419% | 1,660 |
Core capital (leverage) ratio | 12.8395% | 1,345 |
Tier 1 risk-based capital ratio | 15.6376% | 2,588 |
Total risk-based capital ratio | 16.7747% | 2,559 |
Memoranda: | ||
Average total assets | $210,587,000 | 2,801 |
Average earning assets | $197,751,500 | 2,787 |
Average equity | $26,921,500 | 2,576 |
Average total loans | $165,548,000 | 2,509 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6330% | 2,045 |
Cost of funding earning assets | 0.7111% | 2,019 |
Net interest margin | 3.9219% | 2,254 |
Noninterest income to average assets | 0.2299% | 4,536 |
Noninterest expense to average assets | 2.9788% | 2,101 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 0.7922% | 3,832 |
Return on assets (ROA) | 0.7922% | 3,834 |
Pretax return on assets | 0.9430% | 3,780 |
Return on Equity (ROE) | 6.1425% | 4,131 |
Retained earnings to average equity (ytd only) | 4.8058% | 2,889 |
Net charge-offs to loans | -0.0090% | 4,462 |
Credit loss provision to net charge-offs | 0.0000% | 3,452 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.9549% | 1,376 |
Assets per employee ($millions) | 5.6217% | 1,841 |
Cash dividends to net income (ytd only)* | 21.7607% | 3,415 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2204% | 2,467 |
Loan loss allowance to noncurrent loans | 2,831.4286% | 281 |
Noncurrent assets plus other real estate owned to assets | 0.0337% | 4,685 |
Noncurrent loans to loans | 0.0431% | 4,562 |
Net loans and leases to total assets | 77.1286% | 1,420 |
Net loans and leases to deposits | 92.5564% | 1,463 |
Net loans and leases to core deposits | 109.6148% | 1,027 |
Total domestic deposits to total assets | 83.3314% | 3,217 |
Equity capital to assets | 12.9297% | 1,382 |
Core capital (leverage) ratio | 12.9706% | 1,265 |
Tier 1 risk-based capital ratio | 16.3978% | 2,272 |
Total risk-based capital ratio | 17.5864% | 2,234 |
Memoranda: | ||
Average total assets | $203,606,400 | 2,825 |
Average earning assets | $191,667,200 | 2,811 |
Average equity | $26,259,800 | 2,556 |
Average total loans | $155,290,400 | 2,579 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5864% | 2,017 |
Cost of funding earning assets | 0.6543% | 2,127 |
Net interest margin | 3.9321% | 2,188 |
Noninterest income to average assets | 0.2173% | 4,665 |
Noninterest expense to average assets | 2.8950% | 2,316 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 0.8585% | 3,701 |
Return on assets (ROA) | 0.8585% | 3,704 |
Pretax return on assets | 1.0218% | 3,656 |
Return on Equity (ROE) | 6.6611% | 4,052 |
Retained earnings to average equity (ytd only) | 4.8681% | 3,308 |
Net charge-offs to loans | -0.0104% | 4,416 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.9116% | 1,608 |
Assets per employee ($millions) | 5.7971% | 1,644 |
Cash dividends to net income (ytd only)* | 26.9173% | 2,702 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2292% | 2,456 |
Loan loss allowance to noncurrent loans | 2,750.0000% | 265 |
Noncurrent assets plus other real estate owned to assets | 0.0345% | 4,812 |
Noncurrent loans to loans | 0.0447% | 4,699 |
Net loans and leases to total assets | 76.2382% | 1,627 |
Net loans and leases to deposits | 96.1528% | 1,138 |
Net loans and leases to core deposits | 113.9189% | 825 |
Total domestic deposits to total assets | 79.2885% | 4,259 |
Equity capital to assets | 12.7257% | 1,453 |
Core capital (leverage) ratio | 13.1213% | 1,232 |
Tier 1 risk-based capital ratio | 15.8562% | 2,503 |
Total risk-based capital ratio | 17.0184% | 2,478 |
Memoranda: | ||
Average total assets | $202,507,500 | 2,857 |
Average earning assets | $190,529,750 | 2,837 |
Average equity | $26,101,250 | 2,576 |
Average total loans | $153,510,250 | 2,616 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5463% | 1,948 |
Cost of funding earning assets | 0.6057% | 2,188 |
Net interest margin | 3.9406% | 2,064 |
Noninterest income to average assets | 0.2165% | 4,726 |
Noninterest expense to average assets | 2.9804% | 2,095 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 0.8062% | 3,837 |
Return on assets (ROA) | 0.8062% | 3,836 |
Pretax return on assets | 0.9429% | 3,831 |
Return on Equity (ROE) | 6.2276% | 4,159 |
Retained earnings to average equity (ytd only) | 3.5223% | 3,832 |
Net charge-offs to loans | -0.0132% | 4,411 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 75.9664% | 1,430 |
Assets per employee ($millions) | 6.2282% | 1,319 |
Cash dividends to net income (ytd only)* | 43.4406% | 1,962 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2571% | 2,393 |
Loan loss allowance to noncurrent loans | 2,637.3333% | 270 |
Noncurrent assets plus other real estate owned to assets | 0.0365% | 4,843 |
Noncurrent loans to loans | 0.0477% | 4,706 |
Net loans and leases to total assets | 75.5911% | 1,703 |
Net loans and leases to deposits | 93.5032% | 1,413 |
Net loans and leases to core deposits | 108.5938% | 1,080 |
Total domestic deposits to total assets | 80.8434% | 4,043 |
Equity capital to assets | 12.7182% | 1,430 |
Core capital (leverage) ratio | 13.0153% | 1,209 |
Tier 1 risk-based capital ratio | 15.7676% | 2,529 |
Total risk-based capital ratio | 16.9446% | 2,494 |
Memoranda: | ||
Average total assets | $200,444,670 | 2,893 |
Average earning assets | $188,549,330 | 2,871 |
Average equity | $25,949,000 | 2,592 |
Average total loans | $150,985,000 | 2,656 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5165% | 1,813 |
Cost of funding earning assets | 0.5724% | 2,240 |
Net interest margin | 3.9442% | 1,884 |
Noninterest income to average assets | 0.2102% | 4,758 |
Noninterest expense to average assets | 3.0520% | 1,941 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 0.7377% | 3,954 |
Return on assets (ROA) | 0.7377% | 3,957 |
Pretax return on assets | 0.8631% | 3,972 |
Return on Equity (ROE) | 5.6472% | 4,262 |
Retained earnings to average equity (ytd only) | 0.2166% | 4,771 |
Net charge-offs to loans | -0.0054% | 4,039 |
Credit loss provision to net charge-offs | 0.0000% | 2,201 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.9556% | 1,358 |
Assets per employee ($millions) | 5.6953% | 1,764 |
Cash dividends to net income (ytd only)* | 96.1644% | 609 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3148% | 2,174 |
Loan loss allowance to noncurrent loans | 131.7057% | 2,974 |
Noncurrent assets plus other real estate owned to assets | 0.7500% | 2,074 |
Noncurrent loans to loans | 0.9983% | 1,831 |
Net loans and leases to total assets | 74.1378% | 1,835 |
Net loans and leases to deposits | 90.9821% | 1,564 |
Net loans and leases to core deposits | 100.2592% | 1,670 |
Total domestic deposits to total assets | 81.4861% | 4,101 |
Equity capital to assets | 12.9324% | 1,283 |
Core capital (leverage) ratio | 13.2384% | 1,096 |
Tier 1 risk-based capital ratio | 16.5078% | 2,273 |
Total risk-based capital ratio | 17.7561% | 2,226 |
Memoranda: | ||
Average total assets | $197,901,000 | 2,950 |
Average earning assets | $185,895,500 | 2,932 |
Average equity | $25,853,500 | 2,629 |
Average total loans | $147,806,500 | 2,716 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4824% | 1,772 |
Cost of funding earning assets | 0.4637% | 2,655 |
Net interest margin | 4.0188% | 1,693 |
Noninterest income to average assets | 0.2211% | 4,826 |
Noninterest expense to average assets | 3.2178% | 1,572 |
Loan and lease loss provision to assets | -0.1583% | 5,544 |
Net operating income to assets | 0.7035% | 3,590 |
Return on assets (ROA) | 0.7187% | 3,568 |
Pretax return on assets | 0.9504% | 3,734 |
Return on Equity (ROE) | 5.2494% | 4,067 |
Retained earnings to average equity (ytd only) | 3.5497% | 3,149 |
Net charge-offs to loans | -0.0072% | 4,712 |
Credit loss provision to net charge-offs | 3,000.0000% | 137 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.6507% | 1,048 |
Assets per employee ($millions) | 5.7898% | 1,663 |
Cash dividends to net income (ytd only)* | 32.3789% | 3,202 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3492% | 1,973 |
Loan loss allowance to noncurrent loans | 128.1250% | 3,102 |
Noncurrent assets plus other real estate owned to assets | 0.7803% | 1,997 |
Noncurrent loans to loans | 1.0531% | 1,685 |
Net loans and leases to total assets | 73.0958% | 2,080 |
Net loans and leases to deposits | 91.1869% | 1,629 |
Net loans and leases to core deposits | 100.4678% | 1,678 |
Total domestic deposits to total assets | 80.1604% | 4,309 |
Equity capital to assets | 13.3917% | 1,102 |
Core capital (leverage) ratio | 13.7767% | 894 |
Tier 1 risk-based capital ratio | 16.9980% | 2,094 |
Total risk-based capital ratio | 18.2483% | 2,042 |
Memoranda: | ||
Average total assets | $189,507,400 | 3,024 |
Average earning assets | $177,716,000 | 2,986 |
Average equity | $25,945,800 | 2,609 |
Average total loans | $139,336,200 | 2,794 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4788% | 1,704 |
Cost of funding earning assets | 0.4618% | 2,601 |
Net interest margin | 4.0170% | 1,645 |
Noninterest income to average assets | 0.2202% | 4,899 |
Noninterest expense to average assets | 3.1530% | 1,669 |
Loan and lease loss provision to assets | 0.0000% | 4,088 |
Net operating income to assets | 0.6386% | 4,237 |
Return on assets (ROA) | 0.6501% | 4,245 |
Pretax return on assets | 0.8454% | 4,225 |
Return on Equity (ROE) | 4.7209% | 4,629 |
Retained earnings to average equity (ytd only) | 2.4456% | 4,427 |
Net charge-offs to loans | -0.0068% | 4,527 |
Credit loss provision to net charge-offs | 0.0000% | 3,274 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.1511% | 1,196 |
Assets per employee ($millions) | 5.6879% | 1,734 |
Cash dividends to net income (ytd only)* | 48.1971% | 1,850 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6519% | 1,126 |
Loan loss allowance to noncurrent loans | 137.1896% | 2,969 |
Noncurrent assets plus other real estate owned to assets | 0.8537% | 2,019 |
Noncurrent loans to loans | 1.2041% | 1,582 |
Net loans and leases to total assets | 69.7318% | 2,603 |
Net loans and leases to deposits | 83.7856% | 2,581 |
Net loans and leases to core deposits | 92.4867% | 2,397 |
Total domestic deposits to total assets | 83.2265% | 3,383 |
Equity capital to assets | 13.4760% | 1,167 |
Core capital (leverage) ratio | 13.4723% | 1,032 |
Tier 1 risk-based capital ratio | 16.8527% | 2,200 |
Total risk-based capital ratio | 18.1056% | 2,157 |
Memoranda: | ||
Average total assets | $187,670,750 | 3,073 |
Average earning assets | $175,815,000 | 3,031 |
Average equity | $25,841,750 | 2,638 |
Average total loans | $137,705,250 | 2,829 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4780% | 1,578 |
Cost of funding earning assets | 0.4599% | 2,512 |
Net interest margin | 4.0181% | 1,549 |
Noninterest income to average assets | 0.2078% | 5,005 |
Noninterest expense to average assets | 3.1653% | 1,666 |
Loan and lease loss provision to assets | 0.0000% | 3,871 |
Net operating income to assets | 0.6221% | 4,198 |
Return on assets (ROA) | 0.6395% | 4,175 |
Pretax return on assets | 0.8279% | 4,171 |
Return on Equity (ROE) | 4.6102% | 4,628 |
Retained earnings to average equity (ytd only) | 1.1875% | 4,768 |
Net charge-offs to loans | -0.0058% | 4,369 |
Credit loss provision to net charge-offs | 0.0000% | 2,905 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.7180% | 1,243 |
Assets per employee ($millions) | 5.3981% | 1,968 |
Cash dividends to net income (ytd only)* | 74.2424% | 1,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6175% | 1,226 |
Loan loss allowance to noncurrent loans | 126.5660% | 3,111 |
Noncurrent assets plus other real estate owned to assets | 0.9464% | 1,858 |
Noncurrent loans to loans | 1.2780% | 1,509 |
Net loans and leases to total assets | 72.8547% | 2,069 |
Net loans and leases to deposits | 86.2537% | 2,188 |
Net loans and leases to core deposits | 96.1021% | 1,970 |
Total domestic deposits to total assets | 84.4656% | 3,024 |
Equity capital to assets | 13.6020% | 1,112 |
Core capital (leverage) ratio | 13.6542% | 953 |
Tier 1 risk-based capital ratio | 16.0362% | 2,489 |
Total risk-based capital ratio | 17.2882% | 2,424 |
Memoranda: | ||
Average total assets | $185,765,000 | 3,097 |
Average earning assets | $173,962,000 | 3,060 |
Average equity | $25,768,670 | 2,649 |
Average total loans | $137,901,000 | 2,837 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4407% | 1,525 |
Cost of funding earning assets | 0.4555% | 2,479 |
Net interest margin | 3.9852% | 1,507 |
Noninterest income to average assets | 0.1976% | 5,086 |
Noninterest expense to average assets | 3.1513% | 1,739 |
Loan and lease loss provision to assets | 0.0000% | 3,537 |
Net operating income to assets | 0.6011% | 4,160 |
Return on assets (ROA) | 0.6146% | 4,147 |
Pretax return on assets | 0.7884% | 4,152 |
Return on Equity (ROE) | 4.3870% | 4,635 |
Retained earnings to average equity (ytd only) | -2.4493% | 5,217 |
Net charge-offs to loans | -0.0029% | 4,058 |
Credit loss provision to net charge-offs | 0.0000% | 2,277 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 80.3433% | 1,342 |
Assets per employee ($millions) | 6.0776% | 1,445 |
Cash dividends to net income (ytd only)* | 155.8304% | 367 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6499% | 1,248 |
Loan loss allowance to noncurrent loans | 116.5034% | 3,336 |
Noncurrent assets plus other real estate owned to assets | 1.0292% | 1,763 |
Noncurrent loans to loans | 1.4162% | 1,428 |
Net loans and leases to total assets | 71.4703% | 2,145 |
Net loans and leases to deposits | 85.7391% | 2,059 |
Net loans and leases to core deposits | 95.3377% | 1,864 |
Total domestic deposits to total assets | 83.3578% | 3,718 |
Equity capital to assets | 13.5786% | 1,042 |
Core capital (leverage) ratio | 13.7426% | 903 |
Tier 1 risk-based capital ratio | 16.0681% | 2,519 |
Total risk-based capital ratio | 17.3205% | 2,473 |
Memoranda: | ||
Average total assets | $184,180,000 | 3,141 |
Average earning assets | $172,136,500 | 3,106 |
Average equity | $25,803,500 | 2,662 |
Average total loans | $136,896,000 | 2,864 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6021% | 1,279 |
Cost of funding earning assets | 0.4758% | 2,303 |
Net interest margin | 4.1263% | 1,316 |
Noninterest income to average assets | 0.3269% | 4,403 |
Noninterest expense to average assets | 3.3031% | 1,567 |
Loan and lease loss provision to assets | -0.2540% | 5,813 |
Net operating income to assets | 0.8551% | 3,048 |
Return on assets (ROA) | 0.8733% | 3,072 |
Pretax return on assets | 1.1652% | 2,828 |
Return on Equity (ROE) | 6.0750% | 3,944 |
Retained earnings to average equity (ytd only) | 4.7005% | 2,549 |
Net charge-offs to loans | -0.0188% | 5,108 |
Credit loss provision to net charge-offs | 1,875.0000% | 237 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.8332% | 1,574 |
Assets per employee ($millions) | 5.2927% | 2,068 |
Cash dividends to net income (ytd only)* | 22.6244% | 3,630 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6504% | 1,253 |
Loan loss allowance to noncurrent loans | 111.4455% | 3,398 |
Noncurrent assets plus other real estate owned to assets | 1.1264% | 1,647 |
Noncurrent loans to loans | 1.4809% | 1,365 |
Net loans and leases to total assets | 74.8079% | 1,722 |
Net loans and leases to deposits | 90.6953% | 1,608 |
Net loans and leases to core deposits | 100.2614% | 1,596 |
Total domestic deposits to total assets | 82.4826% | 3,940 |
Equity capital to assets | 14.4616% | 743 |
Core capital (leverage) ratio | 14.4948% | 698 |
Tier 1 risk-based capital ratio | 16.8917% | 2,193 |
Total risk-based capital ratio | 18.1445% | 2,141 |
Memoranda: | ||
Average total assets | $177,134,200 | 3,193 |
Average earning assets | $165,837,200 | 3,163 |
Average equity | $25,465,200 | 2,679 |
Average total loans | $127,407,600 | 2,955 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6719% | 1,129 |
Cost of funding earning assets | 0.4805% | 2,256 |
Net interest margin | 4.1914% | 1,139 |
Noninterest income to average assets | 0.3582% | 4,217 |
Noninterest expense to average assets | 3.3032% | 1,559 |
Loan and lease loss provision to assets | -0.3401% | 5,918 |
Net operating income to assets | 0.9735% | 2,554 |
Return on assets (ROA) | 0.9975% | 2,585 |
Pretax return on assets | 1.3497% | 2,241 |
Return on Equity (ROE) | 6.9494% | 3,584 |
Retained earnings to average equity (ytd only) | 5.1067% | 2,753 |
Net charge-offs to loans | -0.0245% | 5,078 |
Credit loss provision to net charge-offs | 1,956.5217% | 238 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 77.1716% | 1,813 |
Assets per employee ($millions) | 5.4688% | 1,883 |
Cash dividends to net income (ytd only)* | 26.5154% | 2,961 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.7413% | 1,123 |
Loan loss allowance to noncurrent loans | 500.4435% | 1,059 |
Noncurrent assets plus other real estate owned to assets | 0.2499% | 4,438 |
Noncurrent loans to loans | 0.3480% | 4,007 |
Net loans and leases to total assets | 70.5683% | 2,412 |
Net loans and leases to deposits | 85.5410% | 2,310 |
Net loans and leases to core deposits | 94.3210% | 2,163 |
Total domestic deposits to total assets | 82.4965% | 3,782 |
Equity capital to assets | 14.4920% | 874 |
Core capital (leverage) ratio | 14.0181% | 843 |
Tier 1 risk-based capital ratio | 17.8429% | 1,963 |
Total risk-based capital ratio | 19.0966% | 1,926 |
Memoranda: | ||
Average total assets | $176,429,500 | 3,220 |
Average earning assets | $165,095,750 | 3,187 |
Average equity | $25,325,500 | 2,705 |
Average total loans | $125,040,000 | 3,000 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6755% | 1,104 |
Cost of funding earning assets | 0.4765% | 2,303 |
Net interest margin | 4.1990% | 1,117 |
Noninterest income to average assets | 0.4387% | 3,605 |
Noninterest expense to average assets | 3.3470% | 1,489 |
Loan and lease loss provision to assets | -0.3427% | 5,990 |
Net operating income to assets | 1.0043% | 2,375 |
Return on assets (ROA) | 1.0407% | 2,342 |
Pretax return on assets | 1.4096% | 1,985 |
Return on Equity (ROE) | 7.2736% | 3,383 |
Retained earnings to average equity (ytd only) | 4.4792% | 3,065 |
Net charge-offs to loans | -0.0340% | 5,187 |
Credit loss provision to net charge-offs | 1,428.5714% | 275 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.6815% | 1,981 |
Assets per employee ($millions) | 5.4710% | 1,823 |
Cash dividends to net income (ytd only)* | 38.4193% | 2,492 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9227% | 858 |
Loan loss allowance to noncurrent loans | 205.7314% | 2,225 |
Noncurrent assets plus other real estate owned to assets | 0.6677% | 3,001 |
Noncurrent loans to loans | 0.9346% | 2,408 |
Net loans and leases to total assets | 70.0736% | 2,469 |
Net loans and leases to deposits | 85.1288% | 2,338 |
Net loans and leases to core deposits | 95.4574% | 2,027 |
Total domestic deposits to total assets | 82.3148% | 3,903 |
Equity capital to assets | 14.6328% | 836 |
Core capital (leverage) ratio | 14.0566% | 806 |
Tier 1 risk-based capital ratio | 17.8058% | 1,991 |
Total risk-based capital ratio | 19.0617% | 1,948 |
Memoranda: | ||
Average total assets | $175,082,000 | 3,253 |
Average earning assets | $163,704,000 | 3,225 |
Average equity | $25,049,330 | 2,737 |
Average total loans | $123,515,670 | 3,027 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6938% | 1,060 |
Cost of funding earning assets | 0.4677% | 2,395 |
Net interest margin | 4.2261% | 1,048 |
Noninterest income to average assets | 0.6077% | 2,483 |
Noninterest expense to average assets | 3.3652% | 1,454 |
Loan and lease loss provision to assets | 0.0000% | 3,656 |
Net operating income to assets | 0.8881% | 2,815 |
Return on assets (ROA) | 0.9618% | 2,568 |
Pretax return on assets | 1.2839% | 2,368 |
Return on Equity (ROE) | 6.7999% | 3,558 |
Retained earnings to average equity (ytd only) | 1.1468% | 4,783 |
Net charge-offs to loans | -0.0130% | 4,645 |
Credit loss provision to net charge-offs | 0.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.9458% | 2,483 |
Assets per employee ($millions) | 5.5906% | 1,753 |
Cash dividends to net income (ytd only)* | 83.1354% | 953 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.1730% | 612 |
Loan loss allowance to noncurrent loans | 163.3050% | 2,594 |
Noncurrent assets plus other real estate owned to assets | 0.9201% | 2,394 |
Noncurrent loans to loans | 1.3306% | 1,794 |
Net loans and leases to total assets | 67.6434% | 2,706 |
Net loans and leases to deposits | 82.4807% | 2,487 |
Net loans and leases to core deposits | 91.9189% | 2,191 |
Total domestic deposits to total assets | 82.0112% | 4,225 |
Equity capital to assets | 13.9743% | 991 |
Core capital (leverage) ratio | 14.0598% | 796 |
Tier 1 risk-based capital ratio | 17.3502% | 2,174 |
Total risk-based capital ratio | 18.6078% | 2,141 |
Memoranda: | ||
Average total assets | $175,086,500 | 3,261 |
Average earning assets | $163,364,500 | 3,236 |
Average equity | $24,765,000 | 2,768 |
Average total loans | $122,731,000 | 3,044 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8216% | 892 |
Cost of funding earning assets | 0.5274% | 1,944 |
Net interest margin | 4.2943% | 970 |
Noninterest income to average assets | 0.2273% | 5,235 |
Noninterest expense to average assets | 3.5808% | 1,169 |
Loan and lease loss provision to assets | -0.3166% | 6,072 |
Net operating income to assets | 0.7115% | 3,759 |
Return on assets (ROA) | 0.7393% | 3,721 |
Pretax return on assets | 0.9618% | 3,606 |
Return on Equity (ROE) | 5.1719% | 4,414 |
Retained earnings to average equity (ytd only) | 3.7250% | 3,397 |
Net charge-offs to loans | -0.0731% | 5,684 |
Credit loss provision to net charge-offs | 610.4651% | 554 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.4634% | 1,048 |
Assets per employee ($millions) | 5.5249% | 1,775 |
Cash dividends to net income (ytd only)* | 27.9772% | 3,443 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.2043% | 588 |
Loan loss allowance to noncurrent loans | 588.5965% | 932 |
Noncurrent assets plus other real estate owned to assets | 0.2662% | 4,527 |
Noncurrent loans to loans | 0.3745% | 4,103 |
Net loans and leases to total assets | 69.5241% | 2,444 |
Net loans and leases to deposits | 86.9873% | 2,007 |
Net loans and leases to core deposits | 96.6063% | 1,785 |
Total domestic deposits to total assets | 79.9244% | 4,762 |
Equity capital to assets | 14.3222% | 824 |
Core capital (leverage) ratio | 14.1997% | 775 |
Tier 1 risk-based capital ratio | 15.6042% | 2,880 |
Total risk-based capital ratio | 16.8598% | 2,813 |
Memoranda: | ||
Average total assets | $165,829,000 | 3,366 |
Average earning assets | $153,018,400 | 3,357 |
Average equity | $23,704,800 | 2,811 |
Average total loans | $117,579,200 | 3,085 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0025% | 620 |
Cost of funding earning assets | 0.5354% | 1,928 |
Net interest margin | 4.4671% | 705 |
Noninterest income to average assets | 0.2659% | 5,032 |
Noninterest expense to average assets | 3.4762% | 1,330 |
Loan and lease loss provision to assets | -0.1824% | 6,086 |
Net operating income to assets | 0.7700% | 3,578 |
Return on assets (ROA) | 0.8034% | 3,512 |
Pretax return on assets | 1.1317% | 3,090 |
Return on Equity (ROE) | 5.6229% | 4,348 |
Retained earnings to average equity (ytd only) | 3.6767% | 3,849 |
Net charge-offs to loans | -0.1156% | 5,838 |
Credit loss provision to net charge-offs | 222.7723% | 1,232 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.3927% | 1,741 |
Assets per employee ($millions) | 5.5082% | 1,777 |
Cash dividends to net income (ytd only)* | 34.6114% | 2,593 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4668% | 451 |
Loan loss allowance to noncurrent loans | 405.8187% | 1,242 |
Noncurrent assets plus other real estate owned to assets | 0.4328% | 4,052 |
Noncurrent loans to loans | 0.6079% | 3,494 |
Net loans and leases to total assets | 69.4426% | 2,468 |
Net loans and leases to deposits | 90.7814% | 1,553 |
Net loans and leases to core deposits | 100.2799% | 1,488 |
Total domestic deposits to total assets | 76.4943% | 5,417 |
Equity capital to assets | 14.0975% | 987 |
Core capital (leverage) ratio | 14.1862% | 815 |
Tier 1 risk-based capital ratio | 15.1186% | 3,236 |
Total risk-based capital ratio | 16.3769% | 3,167 |
Memoranda: | ||
Average total assets | $164,468,000 | 3,412 |
Average earning assets | $151,413,250 | 3,406 |
Average equity | $23,498,500 | 2,856 |
Average total loans | $116,534,000 | 3,129 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0771% | 530 |
Cost of funding earning assets | 0.5549% | 1,777 |
Net interest margin | 4.5223% | 613 |
Noninterest income to average assets | 0.2661% | 5,049 |
Noninterest expense to average assets | 3.4489% | 1,381 |
Loan and lease loss provision to assets | 0.0000% | 4,069 |
Net operating income to assets | 0.6343% | 4,200 |
Return on assets (ROA) | 0.7070% | 3,979 |
Pretax return on assets | 1.0359% | 3,435 |
Return on Equity (ROE) | 4.9255% | 4,650 |
Retained earnings to average equity (ytd only) | 1.9822% | 4,709 |
Net charge-offs to loans | -0.1707% | 5,977 |
Credit loss provision to net charge-offs | 0.0000% | 3,158 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.1686% | 2,042 |
Assets per employee ($millions) | 5.1185% | 2,126 |
Cash dividends to net income (ytd only)* | 59.7561% | 1,542 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7367% | 354 |
Loan loss allowance to noncurrent loans | 423.2589% | 1,203 |
Noncurrent assets plus other real estate owned to assets | 0.4505% | 4,127 |
Noncurrent loans to loans | 0.6466% | 3,540 |
Net loans and leases to total assets | 67.7744% | 2,679 |
Net loans and leases to deposits | 85.9521% | 2,061 |
Net loans and leases to core deposits | 93.2770% | 2,028 |
Total domestic deposits to total assets | 78.8513% | 5,125 |
Equity capital to assets | 13.7559% | 1,073 |
Core capital (leverage) ratio | 14.1383% | 802 |
Tier 1 risk-based capital ratio | 15.3039% | 3,199 |
Total risk-based capital ratio | 16.5653% | 3,130 |
Memoranda: | ||
Average total assets | $162,372,670 | 3,463 |
Average earning assets | $148,863,670 | 3,473 |
Average equity | $23,307,330 | 2,885 |
Average total loans | $114,853,670 | 3,170 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1607% | 435 |
Cost of funding earning assets | 0.5575% | 1,775 |
Net interest margin | 4.6032% | 493 |
Noninterest income to average assets | 0.2690% | 5,026 |
Noninterest expense to average assets | 3.5298% | 1,246 |
Loan and lease loss provision to assets | 0.0000% | 3,703 |
Net operating income to assets | 0.5808% | 4,356 |
Return on assets (ROA) | 0.7316% | 3,772 |
Pretax return on assets | 1.0836% | 3,143 |
Return on Equity (ROE) | 4.9864% | 4,536 |
Retained earnings to average equity (ytd only) | -0.8910% | 5,534 |
Net charge-offs to loans | -0.2186% | 6,073 |
Credit loss provision to net charge-offs | 0.0000% | 2,491 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 79.0986% | 2,018 |
Assets per employee ($millions) | 4.9910% | 2,369 |
Cash dividends to net income (ytd only)* | 117.8694% | 538 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8196% | 361 |
Loan loss allowance to noncurrent loans | 188.0165% | 2,338 |
Noncurrent assets plus other real estate owned to assets | 1.0285% | 2,564 |
Noncurrent loans to loans | 1.4997% | 1,884 |
Net loans and leases to total assets | 66.6497% | 2,661 |
Net loans and leases to deposits | 82.6991% | 2,247 |
Net loans and leases to core deposits | 89.5727% | 2,171 |
Total domestic deposits to total assets | 80.5929% | 4,919 |
Equity capital to assets | 14.1637% | 930 |
Core capital (leverage) ratio | 14.5570% | 676 |
Tier 1 risk-based capital ratio | 15.8582% | 2,986 |
Total risk-based capital ratio | 17.1203% | 2,924 |
Memoranda: | ||
Average total assets | $159,104,500 | 3,520 |
Average earning assets | $144,941,500 | 3,551 |
Average equity | $23,343,500 | 2,895 |
Average total loans | $113,431,500 | 3,210 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5002% | 312 |
Cost of funding earning assets | 0.6399% | 1,476 |
Net interest margin | 4.8603% | 386 |
Noninterest income to average assets | 0.2599% | 5,270 |
Noninterest expense to average assets | 3.4775% | 1,534 |
Loan and lease loss provision to assets | 0.0899% | 2,670 |
Net operating income to assets | 0.6098% | 4,321 |
Return on assets (ROA) | 0.6327% | 4,326 |
Pretax return on assets | 0.9509% | 3,687 |
Return on Equity (ROE) | 4.5622% | 4,857 |
Retained earnings to average equity (ytd only) | 3.0370% | 4,079 |
Net charge-offs to loans | 0.2712% | 1,589 |
Credit loss provision to net charge-offs | 48.4950% | 3,513 |
Earnings coverage of net charge-offs (x) | 5.4883% | 3,411 |
Efficiency ratio | 77.3561% | 2,303 |
Assets per employee ($millions) | 5.1258% | 2,160 |
Cash dividends to net income (ytd only)* | 33.4314% | 3,206 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.7409% | 405 |
Loan loss allowance to noncurrent loans | 130.4639% | 3,116 |
Noncurrent assets plus other real estate owned to assets | 1.5562% | 1,737 |
Noncurrent loans to loans | 2.1009% | 1,297 |
Net loans and leases to total assets | 72.0421% | 1,906 |
Net loans and leases to deposits | 87.4834% | 1,791 |
Net loans and leases to core deposits | 87.4834% | 2,553 |
Total domestic deposits to total assets | 82.3494% | 4,294 |
Equity capital to assets | 15.1924% | 672 |
Core capital (leverage) ratio | 14.9524% | 619 |
Tier 1 risk-based capital ratio | 17.0772% | 2,482 |
Total risk-based capital ratio | 18.3407% | 2,431 |
Memoranda: | ||
Average total assets | $161,208,200 | 3,473 |
Average earning assets | $140,485,400 | 3,597 |
Average equity | $22,357,400 | 2,912 |
Average total loans | $110,240,200 | 3,211 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2760% | 454 |
Cost of funding earning assets | 0.6605% | 1,388 |
Net interest margin | 4.6156% | 596 |
Noninterest income to average assets | 0.2167% | 5,635 |
Noninterest expense to average assets | 3.4635% | 1,544 |
Loan and lease loss provision to assets | 0.1186% | 2,090 |
Net operating income to assets | 0.4546% | 5,060 |
Return on assets (ROA) | 0.4849% | 4,997 |
Pretax return on assets | 0.6418% | 4,901 |
Return on Equity (ROE) | 3.5766% | 5,342 |
Retained earnings to average equity (ytd only) | 1.5199% | 5,288 |
Net charge-offs to loans | 0.2476% | 1,558 |
Credit loss provision to net charge-offs | 71.4286% | 2,745 |
Earnings coverage of net charge-offs (x) | 4.3990% | 3,471 |
Efficiency ratio | 82.5892% | 1,540 |
Assets per employee ($millions) | 5.1186% | 2,117 |
Cash dividends to net income (ytd only)* | 57.5046% | 1,494 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.8857% | 401 |
Loan loss allowance to noncurrent loans | 104.9592% | 3,550 |
Noncurrent assets plus other real estate owned to assets | 1.9960% | 1,443 |
Noncurrent loans to loans | 2.7494% | 1,022 |
Net loans and leases to total assets | 70.5035% | 2,110 |
Net loans and leases to deposits | 84.9102% | 2,046 |
Net loans and leases to core deposits | 92.8762% | 1,966 |
Total domestic deposits to total assets | 83.0330% | 4,133 |
Equity capital to assets | 14.7372% | 793 |
Core capital (leverage) ratio | 14.5943% | 703 |
Tier 1 risk-based capital ratio | 16.6656% | 2,741 |
Total risk-based capital ratio | 17.9300% | 2,694 |
Memoranda: | ||
Average total assets | $163,066,750 | 3,471 |
Average earning assets | $140,506,000 | 3,622 |
Average equity | $22,106,250 | 2,945 |
Average total loans | $109,324,250 | 3,256 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2338% | 478 |
Cost of funding earning assets | 0.6849% | 1,272 |
Net interest margin | 4.5489% | 639 |
Noninterest income to average assets | 0.2334% | 5,528 |
Noninterest expense to average assets | 3.5167% | 1,445 |
Loan and lease loss provision to assets | 0.0541% | 3,220 |
Net operating income to assets | 0.4115% | 5,175 |
Return on assets (ROA) | 0.4295% | 5,188 |
Pretax return on assets | 0.5558% | 5,110 |
Return on Equity (ROE) | 3.2556% | 5,441 |
Retained earnings to average equity (ytd only) | 0.1459% | 5,643 |
Net charge-offs to loans | 0.1952% | 1,857 |
Credit loss provision to net charge-offs | 42.4528% | 2,890 |
Earnings coverage of net charge-offs (x) | 4.6415% | 3,071 |
Efficiency ratio | 85.5930% | 1,308 |
Assets per employee ($millions) | 4.9589% | 2,271 |
Cash dividends to net income (ytd only)* | 95.5182% | 588 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9519% | 403 |
Loan loss allowance to noncurrent loans | 114.4535% | 3,334 |
Noncurrent assets plus other real estate owned to assets | 2.2989% | 1,300 |
Noncurrent loans to loans | 2.5791% | 1,196 |
Net loans and leases to total assets | 66.6081% | 2,654 |
Net loans and leases to deposits | 79.6763% | 2,561 |
Net loans and leases to core deposits | 87.2145% | 2,392 |
Total domestic deposits to total assets | 83.5983% | 4,076 |
Equity capital to assets | 14.0977% | 933 |
Core capital (leverage) ratio | 13.5509% | 963 |
Tier 1 risk-based capital ratio | 16.0678% | 3,051 |
Total risk-based capital ratio | 17.3235% | 2,990 |
Memoranda: | ||
Average total assets | $166,236,670 | 3,434 |
Average earning assets | $141,617,330 | 3,625 |
Average equity | $21,931,670 | 2,954 |
Average total loans | $108,605,670 | 3,275 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1330% | 559 |
Cost of funding earning assets | 0.6972% | 1,262 |
Net interest margin | 4.4358% | 747 |
Noninterest income to average assets | 0.2212% | 5,585 |
Noninterest expense to average assets | 3.3950% | 1,712 |
Loan and lease loss provision to assets | 0.1059% | 2,157 |
Net operating income to assets | 0.3623% | 5,265 |
Return on assets (ROA) | 0.4094% | 5,147 |
Pretax return on assets | 0.5247% | 5,098 |
Return on Equity (ROE) | 3.2056% | 5,386 |
Retained earnings to average equity (ytd only) | -3.0766% | 5,969 |
Net charge-offs to loans | -0.0074% | 4,933 |
Credit loss provision to net charge-offs | -2,250.0000% | 5,490 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 85.3341% | 1,510 |
Assets per employee ($millions) | 5.2401% | 1,970 |
Cash dividends to net income (ytd only)* | 195.9770% | 266 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1183% | 385 |
Loan loss allowance to noncurrent loans | 72.2863% | 4,429 |
Noncurrent assets plus other real estate owned to assets | 3.8030% | 655 |
Noncurrent loans to loans | 4.3138% | 593 |
Net loans and leases to total assets | 61.5688% | 3,302 |
Net loans and leases to deposits | 72.6538% | 3,254 |
Net loans and leases to core deposits | 79.6600% | 3,015 |
Total domestic deposits to total assets | 84.7427% | 3,977 |
Equity capital to assets | 13.1426% | 1,236 |
Core capital (leverage) ratio | 12.9981% | 1,164 |
Tier 1 risk-based capital ratio | 16.1277% | 3,100 |
Total risk-based capital ratio | 17.3760% | 3,067 |
Memoranda: | ||
Average total assets | $170,012,500 | 3,409 |
Average earning assets | $144,010,500 | 3,619 |
Average equity | $21,712,000 | 2,972 |
Average total loans | $108,452,500 | 3,294 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2310% | 596 |
Cost of funding earning assets | 0.8544% | 939 |
Net interest margin | 4.3766% | 949 |
Noninterest income to average assets | 0.2091% | 5,832 |
Noninterest expense to average assets | 3.2251% | 2,343 |
Loan and lease loss provision to assets | -0.3060% | 6,678 |
Net operating income to assets | 0.6036% | 4,243 |
Return on assets (ROA) | 0.6036% | 4,362 |
Pretax return on assets | 0.8969% | 3,777 |
Return on Equity (ROE) | 4.7814% | 4,730 |
Retained earnings to average equity (ytd only) | 3.2164% | 3,940 |
Net charge-offs to loans | 0.0073% | 5,313 |
Credit loss provision to net charge-offs | -6,312.5000% | 6,386 |
Earnings coverage of net charge-offs (x) | 121.8750% | 387 |
Efficiency ratio | 84.5164% | 1,575 |
Assets per employee ($millions) | 5.2225% | 1,936 |
Cash dividends to net income (ytd only)* | 32.7309% | 3,161 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9690% | 491 |
Loan loss allowance to noncurrent loans | 51.9670% | 5,177 |
Noncurrent assets plus other real estate owned to assets | 4.0205% | 658 |
Noncurrent loans to loans | 5.7132% | 380 |
Net loans and leases to total assets | 62.1239% | 3,339 |
Net loans and leases to deposits | 72.5732% | 3,448 |
Net loans and leases to core deposits | 79.4257% | 3,193 |
Total domestic deposits to total assets | 85.6018% | 3,456 |
Equity capital to assets | 12.4091% | 1,561 |
Core capital (leverage) ratio | 12.4196% | 1,396 |
Tier 1 risk-based capital ratio | 15.8949% | 3,149 |
Total risk-based capital ratio | 17.1587% | 3,098 |
Memoranda: | ||
Average total assets | $165,017,600 | 3,488 |
Average earning assets | $135,996,200 | 3,720 |
Average equity | $20,830,800 | 3,067 |
Average total loans | $110,257,400 | 3,241 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.2860% | 545 |
Cost of funding earning assets | 0.8763% | 922 |
Net interest margin | 4.4097% | 873 |
Noninterest income to average assets | 0.2092% | 5,923 |
Noninterest expense to average assets | 3.3164% | 2,033 |
Loan and lease loss provision to assets | 0.1226% | 2,759 |
Net operating income to assets | 0.2729% | 5,694 |
Return on assets (ROA) | 0.2729% | 5,804 |
Pretax return on assets | 0.3799% | 5,682 |
Return on Equity (ROE) | 2.1521% | 5,891 |
Retained earnings to average equity (ytd only) | 0.0516% | 5,917 |
Net charge-offs to loans | 0.0133% | 4,869 |
Credit loss provision to net charge-offs | 1,363.6364% | 235 |
Earnings coverage of net charge-offs (x) | 55.8950% | 800 |
Efficiency ratio | 86.8421% | 1,281 |
Assets per employee ($millions) | 5.0706% | 2,085 |
Cash dividends to net income (ytd only)* | 97.6062% | 442 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6606% | 293 |
Loan loss allowance to noncurrent loans | 53.6979% | 5,070 |
Noncurrent assets plus other real estate owned to assets | 4.4740% | 680 |
Noncurrent loans to loans | 6.8170% | 313 |
Net loans and leases to total assets | 58.2510% | 3,973 |
Net loans and leases to deposits | 67.3016% | 4,140 |
Net loans and leases to core deposits | 73.6284% | 3,894 |
Total domestic deposits to total assets | 86.5521% | 2,932 |
Equity capital to assets | 11.6273% | 2,191 |
Core capital (leverage) ratio | 11.9910% | 1,676 |
Tier 1 risk-based capital ratio | 15.8875% | 3,258 |
Total risk-based capital ratio | 17.1588% | 3,193 |
Memoranda: | ||
Average total assets | $163,186,750 | 3,549 |
Average earning assets | $133,582,000 | 3,802 |
Average equity | $20,692,000 | 3,114 |
Average total loans | $110,236,500 | 3,261 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3144% | 510 |
Cost of funding earning assets | 0.8316% | 1,251 |
Net interest margin | 4.4829% | 727 |
Noninterest income to average assets | 0.2083% | 5,955 |
Noninterest expense to average assets | 3.3113% | 2,042 |
Loan and lease loss provision to assets | 0.1894% | 1,996 |
Net operating income to assets | 0.3434% | 5,429 |
Return on assets (ROA) | 0.3434% | 5,600 |
Pretax return on assets | 0.4507% | 5,517 |
Return on Equity (ROE) | 2.6266% | 5,746 |
Retained earnings to average equity (ytd only) | -0.5215% | 5,963 |
Net charge-offs to loans | 0.0126% | 4,612 |
Credit loss provision to net charge-offs | 2,142.8571% | 153 |
Earnings coverage of net charge-offs (x) | 72.4286% | 618 |
Efficiency ratio | 83.8019% | 1,654 |
Assets per employee ($millions) | 4.9339% | 2,182 |
Cash dividends to net income (ytd only)* | 119.8529% | 344 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5537% | 354 |
Loan loss allowance to noncurrent loans | 58.8007% | 4,846 |
Noncurrent assets plus other real estate owned to assets | 4.3588% | 762 |
Noncurrent loans to loans | 6.0437% | 464 |
Net loans and leases to total assets | 63.6132% | 2,983 |
Net loans and leases to deposits | 73.9870% | 3,159 |
Net loans and leases to core deposits | 81.1105% | 2,901 |
Total domestic deposits to total assets | 85.9788% | 3,379 |
Equity capital to assets | 12.2203% | 1,763 |
Core capital (leverage) ratio | 13.0276% | 1,150 |
Tier 1 risk-based capital ratio | 15.7229% | 3,351 |
Total risk-based capital ratio | 16.9933% | 3,289 |
Memoranda: | ||
Average total assets | $158,425,670 | 3,644 |
Average earning assets | $132,281,000 | 3,858 |
Average equity | $20,711,000 | 3,126 |
Average total loans | $111,213,330 | 3,245 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4921% | 374 |
Cost of funding earning assets | 0.8262% | 1,388 |
Net interest margin | 4.6659% | 504 |
Noninterest income to average assets | 0.2237% | 5,876 |
Noninterest expense to average assets | 3.4521% | 1,718 |
Loan and lease loss provision to assets | 0.1951% | 1,896 |
Net operating income to assets | 0.4188% | 5,051 |
Return on assets (ROA) | 0.4188% | 5,205 |
Pretax return on assets | 0.5723% | 5,043 |
Return on Equity (ROE) | 3.0937% | 5,550 |
Retained earnings to average equity (ytd only) | -3.1706% | 6,204 |
Net charge-offs to loans | -0.0036% | 5,216 |
Credit loss provision to net charge-offs | -7,500.0000% | 5,918 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.8126% | 2,063 |
Assets per employee ($millions) | 5.6496% | 1,542 |
Cash dividends to net income (ytd only)* | 202.4845% | 214 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.5211% | 409 |
Loan loss allowance to noncurrent loans | 57.5491% | 4,833 |
Noncurrent assets plus other real estate owned to assets | 4.8126% | 768 |
Noncurrent loans to loans | 6.1184% | 538 |
Net loans and leases to total assets | 69.4273% | 1,766 |
Net loans and leases to deposits | 82.3494% | 1,780 |
Net loans and leases to core deposits | 90.7030% | 1,639 |
Total domestic deposits to total assets | 84.3082% | 4,349 |
Equity capital to assets | 13.5802% | 1,184 |
Core capital (leverage) ratio | 13.3788% | 982 |
Tier 1 risk-based capital ratio | 16.1062% | 3,202 |
Total risk-based capital ratio | 17.3794% | 3,151 |
Memoranda: | ||
Average total assets | $153,762,000 | 3,748 |
Average earning assets | $131,679,500 | 3,907 |
Average equity | $20,816,500 | 3,157 |
Average total loans | $111,497,500 | 3,261 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5238% | 595 |
Cost of funding earning assets | 0.9597% | 1,587 |
Net interest margin | 4.5641% | 839 |
Noninterest income to average assets | 0.1373% | 6,351 |
Noninterest expense to average assets | 3.2044% | 2,593 |
Loan and lease loss provision to assets | 0.0000% | 5,905 |
Net operating income to assets | 0.6834% | 3,816 |
Return on assets (ROA) | 0.6834% | 4,082 |
Pretax return on assets | 1.0334% | 3,418 |
Return on Equity (ROE) | 5.3040% | 4,533 |
Retained earnings to average equity (ytd only) | 4.0945% | 3,331 |
Net charge-offs to loans | 0.1049% | 4,620 |
Credit loss provision to net charge-offs | 0.0000% | 5,483 |
Earnings coverage of net charge-offs (x) | 13.0484% | 1,869 |
Efficiency ratio | 75.6142% | 2,812 |
Assets per employee ($millions) | 5.7402% | 1,486 |
Cash dividends to net income (ytd only)* | 22.8037% | 3,649 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.3464% | 492 |
Loan loss allowance to noncurrent loans | 66.9316% | 4,379 |
Noncurrent assets plus other real estate owned to assets | 3.8139% | 1,150 |
Noncurrent loans to loans | 4.9997% | 798 |
Net loans and leases to total assets | 70.6115% | 1,726 |
Net loans and leases to deposits | 84.1993% | 1,731 |
Net loans and leases to core deposits | 92.4229% | 1,600 |
Total domestic deposits to total assets | 83.8624% | 4,380 |
Equity capital to assets | 13.4967% | 1,233 |
Core capital (leverage) ratio | 13.2408% | 1,035 |
Tier 1 risk-based capital ratio | 15.9610% | 3,182 |
Total risk-based capital ratio | 17.2319% | 3,125 |
Memoranda: | ||
Average total assets | $156,568,000 | 3,674 |
Average earning assets | $140,664,000 | 3,715 |
Average equity | $20,173,600 | 3,186 |
Average total loans | $118,257,600 | 3,118 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4452% | 757 |
Cost of funding earning assets | 0.9939% | 1,599 |
Net interest margin | 4.4513% | 1,087 |
Noninterest income to average assets | 0.1436% | 6,426 |
Noninterest expense to average assets | 3.2788% | 2,329 |
Loan and lease loss provision to assets | 0.4460% | 1,410 |
Net operating income to assets | 0.3457% | 5,448 |
Return on assets (ROA) | 0.3457% | 5,653 |
Pretax return on assets | 0.4553% | 5,582 |
Return on Equity (ROE) | 2.7149% | 5,787 |
Retained earnings to average equity (ytd only) | 1.0873% | 5,734 |
Net charge-offs to loans | 0.1116% | 4,273 |
Credit loss provision to net charge-offs | 525.0000% | 516 |
Earnings coverage of net charge-offs (x) | 10.6100% | 2,171 |
Efficiency ratio | 78.4393% | 2,331 |
Assets per employee ($millions) | 5.9802% | 1,261 |
Cash dividends to net income (ytd only)* | 59.9521% | 1,273 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.7157% | 389 |
Loan loss allowance to noncurrent loans | 52.7609% | 4,985 |
Noncurrent assets plus other real estate owned to assets | 5.4809% | 780 |
Noncurrent loans to loans | 7.0425% | 516 |
Net loans and leases to total assets | 72.2959% | 1,502 |
Net loans and leases to deposits | 85.6014% | 1,650 |
Net loans and leases to core deposits | 94.0150% | 1,587 |
Total domestic deposits to total assets | 84.4565% | 4,000 |
Equity capital to assets | 13.0185% | 1,586 |
Core capital (leverage) ratio | 12.7482% | 1,296 |
Tier 1 risk-based capital ratio | 15.3114% | 3,640 |
Total risk-based capital ratio | 16.5869% | 3,583 |
Memoranda: | ||
Average total assets | $156,963,500 | 3,704 |
Average earning assets | $142,336,000 | 3,729 |
Average equity | $19,987,500 | 3,237 |
Average total loans | $119,515,250 | 3,121 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4521% | 796 |
Cost of funding earning assets | 1.0213% | 1,641 |
Net interest margin | 4.4308% | 1,126 |
Noninterest income to average assets | 0.1067% | 6,641 |
Noninterest expense to average assets | 3.1475% | 2,756 |
Loan and lease loss provision to assets | 0.5716% | 1,063 |
Net operating income to assets | 0.3353% | 5,481 |
Return on assets (ROA) | 0.3353% | 5,698 |
Pretax return on assets | 0.4433% | 5,589 |
Return on Equity (ROE) | 2.6529% | 5,824 |
Retained earnings to average equity (ytd only) | 0.2010% | 5,977 |
Net charge-offs to loans | 0.0648% | 4,529 |
Credit loss provision to net charge-offs | 1,153.8462% | 285 |
Earnings coverage of net charge-offs (x) | 20.4872% | 1,384 |
Efficiency ratio | 75.6179% | 2,804 |
Assets per employee ($millions) | 5.2494% | 1,869 |
Cash dividends to net income (ytd only)* | 92.4242% | 552 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.6894% | 429 |
Loan loss allowance to noncurrent loans | 45.8245% | 5,339 |
Noncurrent assets plus other real estate owned to assets | 6.1823% | 680 |
Noncurrent loans to loans | 8.0511% | 428 |
Net loans and leases to total assets | 71.6768% | 1,609 |
Net loans and leases to deposits | 85.2334% | 1,697 |
Net loans and leases to core deposits | 93.8679% | 1,618 |
Total domestic deposits to total assets | 84.0947% | 4,279 |
Equity capital to assets | 12.6859% | 1,695 |
Core capital (leverage) ratio | 12.4953% | 1,354 |
Tier 1 risk-based capital ratio | 14.9390% | 3,808 |
Total risk-based capital ratio | 16.2140% | 3,740 |
Memoranda: | ||
Average total assets | $157,456,000 | 3,709 |
Average earning assets | $144,128,330 | 3,712 |
Average equity | $19,902,670 | 3,236 |
Average total loans | $120,437,670 | 3,122 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5892% | 640 |
Cost of funding earning assets | 1.0431% | 1,724 |
Net interest margin | 4.5461% | 929 |
Noninterest income to average assets | 0.0279% | 7,024 |
Noninterest expense to average assets | 3.1554% | 2,744 |
Loan and lease loss provision to assets | 0.5716% | 1,011 |
Net operating income to assets | 0.3430% | 5,500 |
Return on assets (ROA) | 0.3430% | 5,677 |
Pretax return on assets | 0.4751% | 5,504 |
Return on Equity (ROE) | 2.7183% | 5,825 |
Retained earnings to average equity (ytd only) | -2.1948% | 6,307 |
Net charge-offs to loans | 0.0098% | 4,586 |
Credit loss provision to net charge-offs | 7,500.0000% | 27 |
Earnings coverage of net charge-offs (x) | 137.3333% | 262 |
Efficiency ratio | 75.0907% | 2,921 |
Assets per employee ($millions) | 5.4580% | 1,733 |
Cash dividends to net income (ytd only)* | 180.7407% | 201 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.4724% | 547 |
Loan loss allowance to noncurrent loans | 56.9227% | 4,686 |
Noncurrent assets plus other real estate owned to assets | 4.7934% | 1,097 |
Noncurrent loans to loans | 6.1001% | 820 |
Net loans and leases to total assets | 72.6404% | 1,287 |
Net loans and leases to deposits | 86.3125% | 1,383 |
Net loans and leases to core deposits | 94.9720% | 1,376 |
Total domestic deposits to total assets | 84.1598% | 4,418 |
Equity capital to assets | 12.4911% | 1,729 |
Core capital (leverage) ratio | 12.4916% | 1,346 |
Tier 1 risk-based capital ratio | 14.6860% | 3,962 |
Total risk-based capital ratio | 15.9587% | 3,909 |
Memoranda: | ||
Average total assets | $157,443,000 | 3,735 |
Average earning assets | $144,564,500 | 3,730 |
Average equity | $19,865,000 | 3,241 |
Average total loans | $122,055,500 | 3,105 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9174% | 500 |
Cost of funding earning assets | 1.1949% | 2,067 |
Net interest margin | 4.7225% | 717 |
Noninterest income to average assets | 0.3728% | 4,844 |
Noninterest expense to average assets | 3.2417% | 2,718 |
Loan and lease loss provision to assets | 0.6107% | 1,693 |
Net operating income to assets | 0.5083% | 4,380 |
Return on assets (ROA) | 0.5425% | 4,453 |
Pretax return on assets | 0.8363% | 3,842 |
Return on Equity (ROE) | 4.3824% | 4,687 |
Retained earnings to average equity (ytd only) | 4.3824% | 3,058 |
Net charge-offs to loans | 0.1618% | 4,852 |
Credit loss provision to net charge-offs | 463.4146% | 485 |
Earnings coverage of net charge-offs (x) | 10.5805% | 1,819 |
Efficiency ratio | 69.9251% | 3,977 |
Assets per employee ($millions) | 5.5930% | 1,545 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 3.1304% | 726 |
Loan loss allowance to noncurrent loans | 54.3246% | 4,793 |
Noncurrent assets plus other real estate owned to assets | 4.8044% | 1,126 |
Noncurrent loans to loans | 5.7624% | 888 |
Net loans and leases to total assets | 77.3194% | 792 |
Net loans and leases to deposits | 93.5475% | 845 |
Net loans and leases to core deposits | 103.2021% | 953 |
Total domestic deposits to total assets | 82.6525% | 4,899 |
Equity capital to assets | 12.7448% | 1,630 |
Core capital (leverage) ratio | 12.7906% | 1,227 |
Tier 1 risk-based capital ratio | 14.4060% | 4,040 |
Total risk-based capital ratio | 15.6759% | 4,000 |
Memoranda: | ||
Average total assets | $155,565,800 | 3,710 |
Average earning assets | $140,434,400 | 3,737 |
Average equity | $19,258,800 | 3,246 |
Average total loans | $126,738,600 | 3,047 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0441% | 422 |
Cost of funding earning assets | 1.2143% | 2,232 |
Net interest margin | 4.8297% | 590 |
Noninterest income to average assets | 0.4026% | 4,645 |
Noninterest expense to average assets | 3.2906% | 2,528 |
Loan and lease loss provision to assets | 0.6224% | 1,577 |
Net operating income to assets | 0.5339% | 4,387 |
Return on assets (ROA) | 0.5795% | 4,362 |
Pretax return on assets | 0.9006% | 3,765 |
Return on Equity (ROE) | 4.7159% | 4,655 |
Retained earnings to average equity (ytd only) | 4.7159% | 3,366 |
Net charge-offs to loans | 0.1992% | 4,205 |
Credit loss provision to net charge-offs | 381.5789% | 743 |
Earnings coverage of net charge-offs (x) | 8.8999% | 2,113 |
Efficiency ratio | 69.3881% | 4,062 |
Assets per employee ($millions) | 5.5312% | 1,572 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.9186% | 918 |
Loan loss allowance to noncurrent loans | 55.0223% | 4,708 |
Noncurrent assets plus other real estate owned to assets | 4.5528% | 1,310 |
Noncurrent loans to loans | 5.3043% | 1,146 |
Net loans and leases to total assets | 79.5329% | 558 |
Net loans and leases to deposits | 96.1133% | 690 |
Net loans and leases to core deposits | 106.8124% | 824 |
Total domestic deposits to total assets | 82.7491% | 4,778 |
Equity capital to assets | 12.7588% | 1,752 |
Core capital (leverage) ratio | 12.9583% | 1,242 |
Tier 1 risk-based capital ratio | 14.1416% | 4,242 |
Total risk-based capital ratio | 15.4155% | 4,194 |
Memoranda: | ||
Average total assets | $155,306,000 | 3,736 |
Average earning assets | $139,549,750 | 3,775 |
Average equity | $19,083,750 | 3,271 |
Average total loans | $127,173,500 | 3,058 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1762% | 343 |
Cost of funding earning assets | 1.2300% | 2,381 |
Net interest margin | 4.9462% | 437 |
Noninterest income to average assets | 0.3255% | 5,287 |
Noninterest expense to average assets | 3.3400% | 2,430 |
Loan and lease loss provision to assets | 0.5790% | 1,673 |
Net operating income to assets | 0.5218% | 4,408 |
Return on assets (ROA) | 0.5597% | 4,388 |
Pretax return on assets | 0.8787% | 3,716 |
Return on Equity (ROE) | 4.6133% | 4,639 |
Retained earnings to average equity (ytd only) | 4.6133% | 3,250 |
Net charge-offs to loans | 0.3017% | 3,359 |
Credit loss provision to net charge-offs | 234.3750% | 1,284 |
Earnings coverage of net charge-offs (x) | 5.6615% | 2,563 |
Efficiency ratio | 70.4860% | 4,024 |
Assets per employee ($millions) | 5.7812% | 1,318 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6906% | 1,189 |
Loan loss allowance to noncurrent loans | 82.6139% | 3,417 |
Noncurrent assets plus other real estate owned to assets | 4.3656% | 1,449 |
Noncurrent loans to loans | 3.2569% | 2,192 |
Net loans and leases to total assets | 82.4323% | 343 |
Net loans and leases to deposits | 101.2362% | 440 |
Net loans and leases to core deposits | 111.6494% | 662 |
Total domestic deposits to total assets | 81.4257% | 5,380 |
Equity capital to assets | 12.9512% | 1,538 |
Core capital (leverage) ratio | 12.8847% | 1,205 |
Tier 1 risk-based capital ratio | 13.7984% | 4,307 |
Total risk-based capital ratio | 15.0701% | 4,265 |
Memoranda: | ||
Average total assets | $155,450,330 | 3,758 |
Average earning assets | $138,693,670 | 3,809 |
Average equity | $18,858,330 | 3,283 |
Average total loans | $127,272,000 | 3,088 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.1466% | 367 |
Cost of funding earning assets | 1.2402% | 2,568 |
Net interest margin | 4.9065% | 454 |
Noninterest income to average assets | 0.3822% | 4,856 |
Noninterest expense to average assets | 3.2553% | 2,691 |
Loan and lease loss provision to assets | 0.5695% | 1,515 |
Net operating income to assets | 0.5797% | 4,138 |
Return on assets (ROA) | 0.5797% | 4,206 |
Pretax return on assets | 0.9037% | 3,479 |
Return on Equity (ROE) | 4.9369% | 4,441 |
Retained earnings to average equity (ytd only) | 4.9369% | 3,234 |
Net charge-offs to loans | 0.1415% | 3,655 |
Credit loss provision to net charge-offs | 500.0000% | 713 |
Earnings coverage of net charge-offs (x) | 12.9333% | 1,472 |
Efficiency ratio | 68.8437% | 4,503 |
Assets per employee ($millions) | 5.9925% | 1,193 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.6548% | 1,253 |
Loan loss allowance to noncurrent loans | 152.3203% | 1,936 |
Noncurrent assets plus other real estate owned to assets | 4.7379% | 1,343 |
Noncurrent loans to loans | 1.7429% | 3,898 |
Net loans and leases to total assets | 78.7922% | 642 |
Net loans and leases to deposits | 95.5168% | 725 |
Net loans and leases to core deposits | 104.3406% | 1,041 |
Total domestic deposits to total assets | 82.4904% | 5,110 |
Equity capital to assets | 12.1497% | 1,831 |
Core capital (leverage) ratio | 12.1310% | 1,489 |
Tier 1 risk-based capital ratio | 13.2232% | 4,646 |
Total risk-based capital ratio | 14.4935% | 4,603 |
Memoranda: | ||
Average total assets | $158,020,500 | 3,738 |
Average earning assets | $139,979,000 | 3,820 |
Average equity | $18,554,000 | 3,315 |
Average total loans | $127,243,000 | 3,117 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3271% | 439 |
Cost of funding earning assets | 1.4054% | 3,228 |
Net interest margin | 4.9217% | 514 |
Noninterest income to average assets | 0.4073% | 4,848 |
Noninterest expense to average assets | 3.0846% | 3,527 |
Loan and lease loss provision to assets | 0.8588% | 1,897 |
Net operating income to assets | 0.5969% | 3,683 |
Return on assets (ROA) | 0.6231% | 3,734 |
Pretax return on assets | 1.0174% | 2,873 |
Return on Equity (ROE) | 6.5220% | 3,333 |
Retained earnings to average equity (ytd only) | 4.9338% | 2,452 |
Net charge-offs to loans | 0.1636% | 5,353 |
Credit loss provision to net charge-offs | 636.4055% | 332 |
Earnings coverage of net charge-offs (x) | 13.5991% | 1,398 |
Efficiency ratio | 62.6975% | 5,584 |
Assets per employee ($millions) | 6.1629% | 1,105 |
Cash dividends to net income (ytd only)* | 24.3513% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.4678% | 1,445 |
Loan loss allowance to noncurrent loans | 889.8876% | 403 |
Noncurrent assets plus other real estate owned to assets | 5.1930% | 1,209 |
Noncurrent loans to loans | 0.2773% | 6,506 |
Net loans and leases to total assets | 78.1396% | 924 |
Net loans and leases to deposits | 93.7831% | 1,080 |
Net loans and leases to core deposits | 106.0537% | 1,185 |
Total domestic deposits to total assets | 83.3195% | 4,673 |
Equity capital to assets | 11.3446% | 2,377 |
Core capital (leverage) ratio | 11.3164% | 1,948 |
Tier 1 risk-based capital ratio | 12.2485% | 5,259 |
Total risk-based capital ratio | 13.5152% | 5,208 |
Memoranda: | ||
Average total assets | $160,797,000 | 3,680 |
Average earning assets | $147,428,600 | 3,673 |
Average equity | $15,363,400 | 3,878 |
Average total loans | $132,657,200 | 3,074 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4403% | 382 |
Cost of funding earning assets | 1.4158% | 3,488 |
Net interest margin | 5.0245% | 414 |
Noninterest income to average assets | 0.2949% | 5,773 |
Noninterest expense to average assets | 3.1614% | 3,062 |
Loan and lease loss provision to assets | 0.7663% | 1,997 |
Net operating income to assets | 0.5946% | 3,895 |
Return on assets (ROA) | 0.6296% | 3,919 |
Pretax return on assets | 1.0762% | 2,908 |
Return on Equity (ROE) | 6.9122% | 3,386 |
Retained earnings to average equity (ytd only) | 4.6930% | 3,201 |
Net charge-offs to loans | 0.2074% | 4,700 |
Credit loss provision to net charge-offs | 444.7115% | 678 |
Earnings coverage of net charge-offs (x) | 10.3749% | 1,891 |
Efficiency ratio | 63.8768% | 5,262 |
Assets per employee ($millions) | 6.0922% | 1,180 |
Cash dividends to net income (ytd only)* | 32.1057% | 2,448 |
Condition Ratios (%) | ||
Loss allowance to loans | 2.0204% | 2,171 |
Loan loss allowance to noncurrent loans | 57.0231% | 4,501 |
Noncurrent assets plus other real estate owned to assets | 4.0935% | 1,691 |
Noncurrent loans to loans | 3.5431% | 2,215 |
Net loans and leases to total assets | 83.2761% | 381 |
Net loans and leases to deposits | 97.5715% | 835 |
Net loans and leases to core deposits | 112.7190% | 895 |
Total domestic deposits to total assets | 85.3487% | 3,436 |
Equity capital to assets | 9.4611% | 4,907 |
Core capital (leverage) ratio | 9.1987% | 4,373 |
Tier 1 risk-based capital ratio | 10.0288% | 7,053 |
Total risk-based capital ratio | 11.2922% | 7,030 |
Memoranda: | ||
Average total assets | $160,937,500 | 3,740 |
Average earning assets | $149,078,750 | 3,702 |
Average equity | $14,659,750 | 4,063 |
Average total loans | $133,727,750 | 3,102 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.6215% | 280 |
Cost of funding earning assets | 1.4276% | 3,695 |
Net interest margin | 5.1939% | 286 |
Noninterest income to average assets | 0.2571% | 6,075 |
Noninterest expense to average assets | 3.1029% | 3,306 |
Loan and lease loss provision to assets | 0.7726% | 1,862 |
Net operating income to assets | 0.6972% | 3,419 |
Return on assets (ROA) | 0.6972% | 3,574 |
Pretax return on assets | 1.1942% | 2,438 |
Return on Equity (ROE) | 7.7520% | 2,987 |
Retained earnings to average equity (ytd only) | 4.3983% | 3,278 |
Net charge-offs to loans | 0.0914% | 5,220 |
Credit loss provision to net charge-offs | 1,024.5902% | 364 |
Earnings coverage of net charge-offs (x) | 26.0820% | 1,012 |
Efficiency ratio | 61.2046% | 5,820 |
Assets per employee ($millions) | 6.0328% | 1,202 |
Cash dividends to net income (ytd only)* | 43.2624% | 1,935 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.9220% | 2,366 |
Loan loss allowance to noncurrent loans | 117.3675% | 2,384 |
Noncurrent assets plus other real estate owned to assets | 2.0640% | 3,430 |
Noncurrent loans to loans | 1.6376% | 4,254 |
Net loans and leases to total assets | 80.4507% | 733 |
Net loans and leases to deposits | 95.6595% | 1,079 |
Net loans and leases to core deposits | 117.1093% | 803 |
Total domestic deposits to total assets | 84.1012% | 4,070 |
Equity capital to assets | 9.1272% | 5,256 |
Core capital (leverage) ratio | 9.1674% | 4,350 |
Tier 1 risk-based capital ratio | 10.0059% | 7,024 |
Total risk-based capital ratio | 11.2641% | 6,997 |
Memoranda: | ||
Average total assets | $161,784,670 | 3,748 |
Average earning assets | $149,906,330 | 3,708 |
Average equity | $14,551,000 | 4,077 |
Average total loans | $133,428,330 | 3,141 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.0844% | 806 |
Cost of funding earning assets | 1.5004% | 3,552 |
Net interest margin | 4.5840% | 983 |
Noninterest income to average assets | 0.1836% | 6,642 |
Noninterest expense to average assets | 3.0217% | 3,595 |
Loan and lease loss provision to assets | 0.4962% | 2,519 |
Net operating income to assets | 0.5408% | 4,177 |
Return on assets (ROA) | 0.5408% | 4,315 |
Pretax return on assets | 0.9254% | 3,367 |
Return on Equity (ROE) | 6.0585% | 3,852 |
Retained earnings to average equity (ytd only) | -0.7226% | 5,999 |
Net charge-offs to loans | 0.0060% | 5,527 |
Credit loss provision to net charge-offs | 10,000.0000% | 42 |
Earnings coverage of net charge-offs (x) | 286.5000% | 113 |
Efficiency ratio | 68.0067% | 4,721 |
Assets per employee ($millions) | 5.6603% | 1,534 |
Cash dividends to net income (ytd only)* | 111.9266% | 482 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.6506% | 3,248 |
Loan loss allowance to noncurrent loans | 97.1756% | 2,856 |
Noncurrent assets plus other real estate owned to assets | 3.8106% | 1,824 |
Noncurrent loans to loans | 1.6986% | 4,196 |
Net loans and leases to total assets | 79.9274% | 852 |
Net loans and leases to deposits | 95.6463% | 1,154 |
Net loans and leases to core deposits | 120.6104% | 763 |
Total domestic deposits to total assets | 83.5655% | 4,355 |
Equity capital to assets | 8.8267% | 5,496 |
Core capital (leverage) ratio | 8.7434% | 4,947 |
Tier 1 risk-based capital ratio | 9.7427% | 7,184 |
Total risk-based capital ratio | 11.0023% | 7,179 |
Memoranda: | ||
Average total assets | $161,234,000 | 3,818 |
Average earning assets | $149,825,500 | 3,758 |
Average equity | $14,393,000 | 4,148 |
Average total loans | $133,337,000 | 3,199 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.3549% | 925 |
Cost of funding earning assets | 1.9697% | 3,103 |
Net interest margin | 4.3851% | 1,478 |
Noninterest income to average assets | 0.2425% | 6,362 |
Noninterest expense to average assets | 3.0892% | 3,791 |
Loan and lease loss provision to assets | 0.4477% | 4,142 |
Net operating income to assets | 0.4947% | 3,748 |
Return on assets (ROA) | 0.5633% | 3,551 |
Pretax return on assets | 0.9535% | 2,747 |
Return on Equity (ROE) | 6.4433% | 3,019 |
Retained earnings to average equity (ytd only) | 5.2174% | 1,708 |
Net charge-offs to loans | 0.0092% | 7,102 |
Credit loss provision to net charge-offs | 5,708.3333% | 66 |
Earnings coverage of net charge-offs (x) | 165.0000% | 176 |
Efficiency ratio | 70.4786% | 4,527 |
Assets per employee ($millions) | 5.2773% | 1,858 |
Cash dividends to net income (ytd only)* | 19.0255% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.5037% | 3,707 |
Loan loss allowance to noncurrent loans | 60.1260% | 4,385 |
Noncurrent assets plus other real estate owned to assets | 4.3463% | 1,503 |
Noncurrent loans to loans | 2.5009% | 3,040 |
Net loans and leases to total assets | 82.9136% | 557 |
Net loans and leases to deposits | 96.8653% | 1,224 |
Net loans and leases to core deposits | 143.2025% | 700 |
Total domestic deposits to total assets | 85.5968% | 3,229 |
Equity capital to assets | 9.0305% | 5,094 |
Core capital (leverage) ratio | 8.8687% | 4,644 |
Tier 1 risk-based capital ratio | 9.4513% | 7,259 |
Total risk-based capital ratio | 10.7057% | 7,233 |
Memoranda: | ||
Average total assets | $153,016,600 | 3,912 |
Average earning assets | $144,488,000 | 3,806 |
Average equity | $13,378,200 | 4,410 |
Average total loans | $130,894,200 | 3,254 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.2786% | 1,180 |
Cost of funding earning assets | 2.0449% | 3,142 |
Net interest margin | 4.2337% | 1,931 |
Noninterest income to average assets | 0.2505% | 6,447 |
Noninterest expense to average assets | 3.0640% | 3,787 |
Loan and lease loss provision to assets | 0.3428% | 4,272 |
Net operating income to assets | 0.5127% | 3,927 |
Return on assets (ROA) | 0.5977% | 3,665 |
Pretax return on assets | 0.9853% | 2,952 |
Return on Equity (ROE) | 6.8954% | 3,118 |
Retained earnings to average equity (ytd only) | 5.2324% | 2,352 |
Net charge-offs to loans | 0.0153% | 6,706 |
Credit loss provision to net charge-offs | 2,600.0000% | 155 |
Earnings coverage of net charge-offs (x) | 90.6645% | 390 |
Efficiency ratio | 71.9356% | 4,253 |
Assets per employee ($millions) | 5.5753% | 1,541 |
Cash dividends to net income (ytd only)* | 24.1176% | 3,089 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.2575% | 4,774 |
Loan loss allowance to noncurrent loans | 22.1386% | 6,970 |
Noncurrent assets plus other real estate owned to assets | 4.7661% | 1,246 |
Noncurrent loans to loans | 5.6801% | 1,086 |
Net loans and leases to total assets | 82.8541% | 688 |
Net loans and leases to deposits | 97.5525% | 1,374 |
Net loans and leases to core deposits | 145.1475% | 720 |
Total domestic deposits to total assets | 84.9329% | 3,272 |
Equity capital to assets | 8.7975% | 5,799 |
Core capital (leverage) ratio | 9.0253% | 4,610 |
Tier 1 risk-based capital ratio | 9.3634% | 7,455 |
Total risk-based capital ratio | 10.5036% | 7,503 |
Memoranda: | ||
Average total assets | $151,691,000 | 3,952 |
Average earning assets | $143,637,500 | 3,848 |
Average equity | $13,148,500 | 4,500 |
Average total loans | $130,299,750 | 3,300 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.4703% | 875 |
Cost of funding earning assets | 2.2274% | 2,676 |
Net interest margin | 4.2429% | 1,842 |
Noninterest income to average assets | 0.2157% | 6,759 |
Noninterest expense to average assets | 3.1154% | 3,641 |
Loan and lease loss provision to assets | 0.2427% | 4,638 |
Net operating income to assets | 0.5060% | 4,066 |
Return on assets (ROA) | 0.6363% | 3,636 |
Pretax return on assets | 1.0569% | 2,789 |
Return on Equity (ROE) | 7.3808% | 3,033 |
Retained earnings to average equity (ytd only) | 4.8163% | 2,629 |
Net charge-offs to loans | 0.0218% | 6,196 |
Credit loss provision to net charge-offs | 1,285.7143% | 385 |
Earnings coverage of net charge-offs (x) | 58.0714% | 613 |
Efficiency ratio | 73.9757% | 4,032 |
Assets per employee ($millions) | 4.7557% | 2,391 |
Cash dividends to net income (ytd only)* | 34.7458% | 2,659 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1243% | 5,427 |
Loan loss allowance to noncurrent loans | 211.7397% | 1,431 |
Noncurrent assets plus other real estate owned to assets | 0.4646% | 6,284 |
Noncurrent loans to loans | 0.5310% | 6,207 |
Net loans and leases to total assets | 86.5076% | 329 |
Net loans and leases to deposits | 100.4908% | 1,238 |
Net loans and leases to core deposits | 147.6713% | 712 |
Total domestic deposits to total assets | 86.0851% | 2,741 |
Equity capital to assets | 8.9446% | 5,393 |
Core capital (leverage) ratio | 9.1319% | 4,413 |
Tier 1 risk-based capital ratio | 9.4730% | 7,411 |
Total risk-based capital ratio | 10.5229% | 7,546 |
Memoranda: | ||
Average total assets | $148,360,330 | 4,024 |
Average earning assets | $139,714,670 | 3,951 |
Average equity | $12,790,000 | 4,598 |
Average total loans | $128,510,670 | 3,364 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.5882% | 724 |
Cost of funding earning assets | 2.4900% | 1,955 |
Net interest margin | 4.0982% | 2,277 |
Noninterest income to average assets | 0.2649% | 6,329 |
Noninterest expense to average assets | 3.0755% | 3,469 |
Loan and lease loss provision to assets | 0.2048% | 4,403 |
Net operating income to assets | 0.4653% | 4,590 |
Return on assets (ROA) | 0.7293% | 3,625 |
Pretax return on assets | 1.2182% | 2,557 |
Return on Equity (ROE) | 8.6275% | 2,876 |
Retained earnings to average equity (ytd only) | 3.3282% | 4,025 |
Net charge-offs to loans | 0.0444% | 4,857 |
Credit loss provision to net charge-offs | 535.7143% | 1,028 |
Earnings coverage of net charge-offs (x) | 26.4286% | 1,180 |
Efficiency ratio | 75.2674% | 3,606 |
Assets per employee ($millions) | 4.7399% | 2,379 |
Cash dividends to net income (ytd only)* | 61.4232% | 1,461 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0697% | 5,689 |
Loan loss allowance to noncurrent loans | 135.0145% | 2,365 |
Noncurrent assets plus other real estate owned to assets | 0.6797% | 5,461 |
Noncurrent loans to loans | 0.7923% | 5,458 |
Net loans and leases to total assets | 84.8732% | 566 |
Net loans and leases to deposits | 95.6284% | 2,003 |
Net loans and leases to core deposits | 130.8459% | 1,608 |
Total domestic deposits to total assets | 88.7531% | 1,360 |
Equity capital to assets | 8.1996% | 6,538 |
Core capital (leverage) ratio | 8.3927% | 5,724 |
Tier 1 risk-based capital ratio | 8.9987% | 7,790 |
Total risk-based capital ratio | 10.0136% | 7,955 |
Memoranda: | ||
Average total assets | $146,449,500 | 4,069 |
Average earning assets | $136,548,000 | 4,023 |
Average equity | $12,379,000 | 4,730 |
Average total loans | $126,193,000 | 3,442 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 6.8629% | 1,508 |
Cost of funding earning assets | 2.9192% | 2,179 |
Net interest margin | 3.9437% | 3,392 |
Noninterest income to average assets | 0.3577% | 5,864 |
Noninterest expense to average assets | 3.2380% | 3,195 |
Loan and lease loss provision to assets | 0.1385% | 5,588 |
Net operating income to assets | 0.4554% | 4,925 |
Return on assets (ROA) | 0.4554% | 4,755 |
Pretax return on assets | 0.7716% | 4,172 |
Return on Equity (ROE) | 4.8923% | 4,436 |
Retained earnings to average equity (ytd only) | 3.9915% | 2,652 |
Net charge-offs to loans | 0.0091% | 6,802 |
Credit loss provision to net charge-offs | 1,800.0000% | 241 |
Earnings coverage of net charge-offs (x) | 118.3000% | 383 |
Efficiency ratio | 78.0601% | 2,910 |
Assets per employee ($millions) | 4.1536% | 3,203 |
Cash dividends to net income (ytd only)* | 18.4122% | 4,494 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0887% | 5,357 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 85.6310% | 650 |
Net loans and leases to deposits | 99.1538% | 1,967 |
Net loans and leases to core deposits | 123.6240% | 2,349 |
Total domestic deposits to total assets | 86.3618% | 2,233 |
Equity capital to assets | 8.7246% | 5,773 |
Core capital (leverage) ratio | 8.9828% | 4,770 |
Tier 1 risk-based capital ratio | 9.3925% | 7,414 |
Total risk-based capital ratio | 10.4137% | 7,618 |
Memoranda: | ||
Average total assets | $129,989,000 | 4,286 |
Average earning assets | $124,932,600 | 4,157 |
Average equity | $12,100,600 | 4,807 |
Average total loans | $110,005,400 | 3,677 |