Home > Ascendia Bank > Performance and Condition Ratios
Ascendia Bank, Performance and Condition Ratios
2025-03-31 | Rank | |
Percentage of unprofitable institutions | 100.0000% | 3 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0147% | 3,093 |
Cost of funding earning assets | 2.9396% | 367 |
Net interest margin | 2.0751% | 4,264 |
Noninterest income to average assets | 0.1900% | 3,621 |
Noninterest expense to average assets | 2.3711% | 2,655 |
Loan and lease loss provision to assets | -0.1600% | 4,366 |
Net operating income to assets | -0.0468% | 4,201 |
Return on assets (ROA) | -0.0468% | 4,224 |
Pretax return on assets | -0.0915% | 4,243 |
Return on Equity (ROE) | -0.5100% | 4,212 |
Retained earnings to average equity (ytd only) | -0.5106% | 3,796 |
Net charge-offs to loans | 0.0000% | 2,326 |
Credit loss provision to net charge-offs | 0.0000% | 1,760 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,230 |
Efficiency ratio | 111.8522% | 161 |
Assets per employee ($millions) | 10.9466% | 596 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5340% | 4,231 |
Loan loss allowance to noncurrent loans | 255.1880% | 1,834 |
Noncurrent assets plus other real estate owned to assets | 0.1687% | 2,651 |
Noncurrent loans to loans | 0.2092% | 2,752 |
Net loans and leases to total assets | 80.2100% | 575 |
Net loans and leases to deposits | 108.3018% | 187 |
Net loans and leases to core deposits | 139.5325% | 223 |
Total domestic deposits to total assets | 74.0700% | 4,071 |
Equity capital to assets | 9.1428% | 2,839 |
Core capital (leverage) ratio | 9.1698% | 3,608 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.2652% | 1,758 |
Memoranda: | ||
Average total assets | $393,229,000 | 2,094 |
Average earning assets | $365,085,500 | 2,089 |
Average equity | $36,034,500 | 2,186 |
Average total loans | $319,829,500 | 1,802 |
2024-12-31 | Rank | |
Percentage of unprofitable institutions | 100.0000% | 2 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0384% | 3,032 |
Cost of funding earning assets | 3.0283% | 472 |
Net interest margin | 2.0102% | 4,250 |
Noninterest income to average assets | 0.1800% | 3,818 |
Noninterest expense to average assets | 2.3524% | 2,711 |
Loan and lease loss provision to assets | -0.0700% | 4,314 |
Net operating income to assets | -0.1524% | 4,264 |
Return on assets (ROA) | -0.1524% | 4,285 |
Pretax return on assets | -0.2387% | 4,294 |
Return on Equity (ROE) | -1.6300% | 4,270 |
Retained earnings to average equity (ytd only) | -1.6257% | 4,144 |
Net charge-offs to loans | 0.0000% | 3,099 |
Credit loss provision to net charge-offs | 0.0000% | 2,577 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,991 |
Efficiency ratio | 114.9753% | 146 |
Assets per employee ($millions) | 10.8994% | 588 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,369 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5751% | 4,223 |
Loan loss allowance to noncurrent loans | 255.6630% | 1,889 |
Noncurrent assets plus other real estate owned to assets | 0.1845% | 2,518 |
Noncurrent loans to loans | 0.2249% | 2,614 |
Net loans and leases to total assets | 81.5500% | 490 |
Net loans and leases to deposits | 110.6167% | 170 |
Net loans and leases to core deposits | 142.4458% | 220 |
Total domestic deposits to total assets | 73.7300% | 4,068 |
Equity capital to assets | 9.1847% | 2,682 |
Core capital (leverage) ratio | 9.2986% | 3,420 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.0819% | 1,837 |
Memoranda: | ||
Average total assets | $385,777,000 | 2,084 |
Average earning assets | $357,532,800 | 2,085 |
Average equity | $36,168,200 | 2,131 |
Average total loans | $312,884,600 | 1,812 |
2024-09-30 | Rank | |
Percentage of unprofitable institutions | 100.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0193% | 3,002 |
Cost of funding earning assets | 3.0098% | 502 |
Net interest margin | 2.0095% | 4,271 |
Noninterest income to average assets | 0.1900% | 3,746 |
Noninterest expense to average assets | 2.4075% | 2,496 |
Loan and lease loss provision to assets | -0.1000% | 4,391 |
Net operating income to assets | -0.1656% | 4,312 |
Return on assets (ROA) | -0.1656% | 4,334 |
Pretax return on assets | -0.2575% | 4,346 |
Return on Equity (ROE) | -1.7600% | 4,313 |
Retained earnings to average equity (ytd only) | -1.7568% | 4,184 |
Net charge-offs to loans | 0.0000% | 2,849 |
Credit loss provision to net charge-offs | 0.0000% | 2,285 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,734 |
Efficiency ratio | 117.5195% | 144 |
Assets per employee ($millions) | 9.9260% | 788 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,021 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5784% | 4,255 |
Loan loss allowance to noncurrent loans | 629.0657% | 1,040 |
Noncurrent assets plus other real estate owned to assets | 0.0747% | 3,191 |
Noncurrent loans to loans | 0.0919% | 3,236 |
Net loans and leases to total assets | 80.7200% | 544 |
Net loans and leases to deposits | 111.7882% | 159 |
Net loans and leases to core deposits | 141.0966% | 247 |
Total domestic deposits to total assets | 72.2100% | 4,163 |
Equity capital to assets | 9.3544% | 2,783 |
Core capital (leverage) ratio | 9.3791% | 3,389 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.3690% | 1,758 |
Memoranda: | ||
Average total assets | $384,126,500 | 2,083 |
Average earning assets | $355,631,250 | 2,086 |
Average equity | $36,200,500 | 2,121 |
Average total loans | $310,642,250 | 1,814 |
2024-06-30 | Rank | |
Percentage of unprofitable institutions | 100.0000% | 2 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9585% | 3,014 |
Cost of funding earning assets | 2.9561% | 502 |
Net interest margin | 2.0024% | 4,288 |
Noninterest income to average assets | 0.1900% | 3,743 |
Noninterest expense to average assets | 2.4665% | 2,333 |
Loan and lease loss provision to assets | -0.1600% | 4,450 |
Net operating income to assets | -0.1754% | 4,338 |
Return on assets (ROA) | -0.1754% | 4,359 |
Pretax return on assets | -0.2725% | 4,374 |
Return on Equity (ROE) | -1.8600% | 4,340 |
Retained earnings to average equity (ytd only) | -1.8565% | 4,126 |
Net charge-offs to loans | 0.0000% | 2,619 |
Credit loss provision to net charge-offs | 0.0000% | 2,036 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,538 |
Efficiency ratio | 120.9677% | 134 |
Assets per employee ($millions) | 9.6417% | 810 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,897 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5785% | 4,262 |
Loan loss allowance to noncurrent loans | 525.5072% | 1,229 |
Noncurrent assets plus other real estate owned to assets | 0.0895% | 3,034 |
Noncurrent loans to loans | 0.1101% | 3,100 |
Net loans and leases to total assets | 80.7900% | 591 |
Net loans and leases to deposits | 110.2507% | 210 |
Net loans and leases to core deposits | 139.8410% | 266 |
Total domestic deposits to total assets | 73.2700% | 4,112 |
Equity capital to assets | 9.4348% | 2,433 |
Core capital (leverage) ratio | 9.4492% | 3,289 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.4944% | 1,709 |
Memoranda: | ||
Average total assets | $383,130,667 | 2,085 |
Average earning assets | $354,583,333 | 2,079 |
Average equity | $36,196,667 | 2,093 |
Average total loans | $309,418,667 | 1,815 |
2024-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 11 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7242% | 3,283 |
Cost of funding earning assets | 2.8728% | 531 |
Net interest margin | 1.8514% | 4,368 |
Noninterest income to average assets | 0.1900% | 3,706 |
Noninterest expense to average assets | 2.7675% | 1,536 |
Loan and lease loss provision to assets | -0.0100% | 4,190 |
Net operating income to assets | -0.6002% | 4,477 |
Return on assets (ROA) | -0.6002% | 4,463 |
Pretax return on assets | -0.8610% | 4,487 |
Return on Equity (ROE) | -6.3500% | 4,445 |
Retained earnings to average equity (ytd only) | -6.3488% | 4,186 |
Net charge-offs to loans | 0.0000% | 2,236 |
Credit loss provision to net charge-offs | 0.0000% | 1,619 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,130 |
Efficiency ratio | 145.6450% | 65 |
Assets per employee ($millions) | 9.7861% | 781 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5719% | 4,268 |
Loan loss allowance to noncurrent loans | 926.7016% | 879 |
Noncurrent assets plus other real estate owned to assets | 0.0500% | 3,336 |
Noncurrent loans to loans | 0.0617% | 3,321 |
Net loans and leases to total assets | 80.6300% | 544 |
Net loans and leases to deposits | 110.6341% | 176 |
Net loans and leases to core deposits | 138.0569% | 298 |
Total domestic deposits to total assets | 72.8800% | 4,189 |
Equity capital to assets | 9.4420% | 2,364 |
Core capital (leverage) ratio | 9.5770% | 3,152 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.7951% | 1,606 |
Memoranda: | ||
Average total assets | $381,861,500 | 2,103 |
Average earning assets | $353,247,500 | 2,095 |
Average equity | $36,101,500 | 2,096 |
Average total loans | $307,440,000 | 1,815 |
2023-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 46 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5937% | 2,906 |
Cost of funding earning assets | 2.1260% | 736 |
Net interest margin | 2.4677% | 4,123 |
Noninterest income to average assets | 0.1600% | 3,995 |
Noninterest expense to average assets | 2.2660% | 2,939 |
Loan and lease loss provision to assets | 0.0400% | 2,313 |
Net operating income to assets | 0.1110% | 4,245 |
Return on assets (ROA) | 0.1110% | 4,269 |
Pretax return on assets | 0.1386% | 4,250 |
Return on Equity (ROE) | 1.1200% | 4,248 |
Retained earnings to average equity (ytd only) | 1.1248% | 3,805 |
Net charge-offs to loans | 0.0007% | 2,870 |
Credit loss provision to net charge-offs | 8,150.0000% | 67 |
Earnings coverage of net charge-offs (x) | 334.5000% | 403 |
Efficiency ratio | 92.5159% | 350 |
Assets per employee ($millions) | 9.5517% | 814 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,404 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5816% | 4,265 |
Loan loss allowance to noncurrent loans | 3,062.0690% | 367 |
Noncurrent assets plus other real estate owned to assets | 0.0152% | 3,654 |
Noncurrent loans to loans | 0.0190% | 3,606 |
Net loans and leases to total assets | 79.4700% | 702 |
Net loans and leases to deposits | 107.5026% | 250 |
Net loans and leases to core deposits | 132.8270% | 359 |
Total domestic deposits to total assets | 73.9200% | 4,110 |
Equity capital to assets | 9.4662% | 2,371 |
Core capital (leverage) ratio | 9.6013% | 3,168 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.2635% | 1,458 |
Memoranda: | ||
Average total assets | $364,965,600 | 2,132 |
Average earning assets | $338,853,000 | 2,131 |
Average equity | $36,008,000 | 2,016 |
Average total loans | $292,483,400 | 1,820 |
2023-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 10 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4866% | 2,943 |
Cost of funding earning assets | 1.9203% | 830 |
Net interest margin | 2.5663% | 4,073 |
Noninterest income to average assets | 0.1500% | 4,067 |
Noninterest expense to average assets | 2.2704% | 2,886 |
Loan and lease loss provision to assets | 0.0900% | 1,295 |
Net operating income to assets | 0.1327% | 4,289 |
Return on assets (ROA) | 0.1327% | 4,308 |
Pretax return on assets | 0.1719% | 4,287 |
Return on Equity (ROE) | 1.3300% | 4,279 |
Retained earnings to average equity (ytd only) | 1.3308% | 3,884 |
Net charge-offs to loans | 0.0000% | 2,666 |
Credit loss provision to net charge-offs | 0.0000% | 2,098 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,572 |
Efficiency ratio | 89.6773% | 386 |
Assets per employee ($millions) | 10.1043% | 642 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,002 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5915% | 4,279 |
Loan loss allowance to noncurrent loans | 316.8942% | 1,942 |
Noncurrent assets plus other real estate owned to assets | 0.1526% | 2,559 |
Noncurrent loans to loans | 0.1866% | 2,615 |
Net loans and leases to total assets | 81.2900% | 499 |
Net loans and leases to deposits | 113.8592% | 136 |
Net loans and leases to core deposits | 133.4942% | 299 |
Total domestic deposits to total assets | 71.3900% | 4,275 |
Equity capital to assets | 9.3827% | 2,176 |
Core capital (leverage) ratio | 9.7169% | 3,083 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 14.9477% | 1,581 |
Memoranda: | ||
Average total assets | $360,690,500 | 2,159 |
Average earning assets | $335,209,250 | 2,161 |
Average equity | $35,968,250 | 2,010 |
Average total loans | $289,257,250 | 1,837 |
2023-06-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 43 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.3595% | 2,983 |
Cost of funding earning assets | 1.6662% | 938 |
Net interest margin | 2.6933% | 3,982 |
Noninterest income to average assets | 0.1400% | 4,111 |
Noninterest expense to average assets | 2.2520% | 2,949 |
Loan and lease loss provision to assets | 0.1000% | 1,140 |
Net operating income to assets | 0.2187% | 4,255 |
Return on assets (ROA) | 0.2187% | 4,280 |
Pretax return on assets | 0.2975% | 4,236 |
Return on Equity (ROE) | 2.1500% | 4,253 |
Retained earnings to average equity (ytd only) | 2.1475% | 3,689 |
Net charge-offs to loans | 0.0000% | 2,455 |
Credit loss provision to net charge-offs | 0.0000% | 1,862 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,403 |
Efficiency ratio | 85.1511% | 537 |
Assets per employee ($millions) | 10.0285% | 667 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,909 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5243% | 4,361 |
Loan loss allowance to noncurrent loans | 249.0625% | 2,355 |
Noncurrent assets plus other real estate owned to assets | 0.1725% | 2,347 |
Noncurrent loans to loans | 0.2105% | 2,419 |
Net loans and leases to total assets | 81.5100% | 471 |
Net loans and leases to deposits | 110.4827% | 197 |
Net loans and leases to core deposits | 127.0165% | 372 |
Total domestic deposits to total assets | 73.7800% | 4,209 |
Equity capital to assets | 9.7705% | 1,989 |
Core capital (leverage) ratio | 10.3611% | 2,428 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 15.3419% | 1,478 |
Memoranda: | ||
Average total assets | $352,932,667 | 2,192 |
Average earning assets | $328,524,333 | 2,197 |
Average equity | $35,949,000 | 2,022 |
Average total loans | $281,020,000 | 1,859 |
2023-03-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2240% | 2,995 |
Cost of funding earning assets | 1.4580% | 924 |
Net interest margin | 2.7660% | 3,994 |
Noninterest income to average assets | 0.1800% | 3,901 |
Noninterest expense to average assets | 2.2788% | 2,874 |
Loan and lease loss provision to assets | 0.0300% | 2,084 |
Net operating income to assets | 0.3269% | 4,210 |
Return on assets (ROA) | 0.3269% | 4,169 |
Pretax return on assets | 0.4409% | 4,068 |
Return on Equity (ROE) | 3.1400% | 4,169 |
Retained earnings to average equity (ytd only) | 3.1400% | 3,474 |
Net charge-offs to loans | 0.0000% | 2,062 |
Credit loss provision to net charge-offs | 0.0000% | 1,422 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,008 |
Efficiency ratio | 82.7630% | 659 |
Assets per employee ($millions) | 9.9795% | 703 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,306 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5276% | 4,421 |
Loan loss allowance to noncurrent loans | 822.0339% | 1,134 |
Noncurrent assets plus other real estate owned to assets | 0.0507% | 3,279 |
Noncurrent loans to loans | 0.0642% | 3,274 |
Net loans and leases to total assets | 78.5500% | 705 |
Net loans and leases to deposits | 102.1510% | 354 |
Net loans and leases to core deposits | 114.4453% | 573 |
Total domestic deposits to total assets | 76.8900% | 4,090 |
Equity capital to assets | 10.2982% | 1,676 |
Core capital (leverage) ratio | 10.7599% | 2,021 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 16.4007% | 1,288 |
Memoranda: | ||
Average total assets | $343,871,000 | 2,261 |
Average earning assets | $319,887,000 | 2,256 |
Average equity | $35,796,500 | 2,050 |
Average total loans | $269,506,500 | 1,929 |
2022-12-31 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5547% | 2,928 |
Cost of funding earning assets | 0.6589% | 694 |
Net interest margin | 2.8958% | 3,691 |
Noninterest income to average assets | 0.1900% | 4,004 |
Noninterest expense to average assets | 2.2054% | 3,013 |
Loan and lease loss provision to assets | 0.0100% | 2,705 |
Net operating income to assets | 0.4778% | 4,115 |
Return on assets (ROA) | 0.4778% | 4,086 |
Pretax return on assets | 0.6600% | 3,926 |
Return on Equity (ROE) | 4.3500% | 4,110 |
Retained earnings to average equity (ytd only) | 4.3511% | 3,285 |
Net charge-offs to loans | -0.0021% | 3,448 |
Credit loss provision to net charge-offs | 0.0000% | 1,979 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,564 |
Efficiency ratio | 76.7742% | 938 |
Assets per employee ($millions) | 10.2563% | 619 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,453 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5418% | 4,403 |
Loan loss allowance to noncurrent loans | 199.7199% | 2,665 |
Noncurrent assets plus other real estate owned to assets | 0.2110% | 2,105 |
Noncurrent loans to loans | 0.2713% | 2,183 |
Net loans and leases to total assets | 77.3500% | 860 |
Net loans and leases to deposits | 94.5861% | 744 |
Net loans and leases to core deposits | 105.5750% | 763 |
Total domestic deposits to total assets | 81.7700% | 3,654 |
Equity capital to assets | 10.5251% | 1,440 |
Core capital (leverage) ratio | 10.8987% | 1,883 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.2488% | 944 |
Memoranda: | ||
Average total assets | $318,351,000 | 2,364 |
Average earning assets | $295,326,600 | 2,365 |
Average equity | $34,957,000 | 2,112 |
Average total loans | $243,556,200 | 1,977 |
2022-09-30 | Rank | |
Percentage of unprofitable institutions | 0.0000% | 1 |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4153% | 2,874 |
Cost of funding earning assets | 0.5159% | 697 |
Net interest margin | 2.8994% | 3,503 |
Noninterest income to average assets | 0.1800% | 4,105 |
Noninterest expense to average assets | 2.2362% | 2,832 |
Loan and lease loss provision to assets | -0.0100% | 4,370 |
Net operating income to assets | 0.4574% | 4,157 |
Return on assets (ROA) | 0.4574% | 4,100 |
Pretax return on assets | 0.6328% | 3,930 |
Return on Equity (ROE) | 4.1200% | 4,134 |
Retained earnings to average equity (ytd only) | 4.1198% | 3,405 |
Net charge-offs to loans | 0.0000% | 2,349 |
Credit loss provision to net charge-offs | 0.0000% | 1,679 |
Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
Efficiency ratio | 78.0948% | 903 |
Assets per employee ($millions) | 9.9875% | 660 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,071 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5414% | 4,441 |
Loan loss allowance to noncurrent loans | 173.7767% | 2,861 |
Noncurrent assets plus other real estate owned to assets | 0.2418% | 2,015 |
Noncurrent loans to loans | 0.3115% | 2,130 |
Net loans and leases to total assets | 77.2000% | 782 |
Net loans and leases to deposits | 97.9026% | 462 |
Net loans and leases to core deposits | 104.4555% | 633 |
Total domestic deposits to total assets | 78.8500% | 4,191 |
Equity capital to assets | 10.6712% | 1,304 |
Core capital (leverage) ratio | 11.3127% | 1,539 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.6329% | 904 |
Memoranda: | ||
Average total assets | $313,324,250 | 2,399 |
Average earning assets | $290,489,750 | 2,402 |
Average equity | $34,790,500 | 2,148 |
Average total loans | $238,642,250 | 2,003 |
2022-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2210% | 2,987 |
Cost of funding earning assets | 0.4418% | 721 |
Net interest margin | 2.7792% | 3,500 |
Noninterest income to average assets | 0.1721% | 4,145 |
Noninterest expense to average assets | 2.2377% | 2,740 |
Loan and lease loss provision to assets | -0.0409% | 4,492 |
Net operating income to assets | 0.3962% | 4,114 |
Return on assets (ROA) | 0.3962% | 4,066 |
Pretax return on assets | 0.5495% | 3,925 |
Return on Equity (ROE) | 3.5195% | 4,130 |
Retained earnings to average equity (ytd only) | 3.5195% | 3,268 |
Net charge-offs to loans | 0.0000% | 2,156 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 81.4806% | 837 |
Assets per employee ($millions) | 9.4430% | 767 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,927 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5522% | 4,505 |
Loan loss allowance to noncurrent loans | 125.5880% | 3,189 |
Noncurrent assets plus other real estate owned to assets | 0.3411% | 1,637 |
Noncurrent loans to loans | 0.4397% | 1,801 |
Net loans and leases to total assets | 77.1568% | 624 |
Net loans and leases to deposits | 99.0317% | 308 |
Net loans and leases to core deposits | 106.0951% | 450 |
Total domestic deposits to total assets | 77.9112% | 4,357 |
Equity capital to assets | 11.1559% | 1,148 |
Core capital (leverage) ratio | 11.5847% | 1,310 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.5121% | 785 |
Memoranda: | ||
Average total assets | $307,902,667 | 2,444 |
Average earning assets | $285,193,000 | 2,458 |
Average equity | $34,663,667 | 2,211 |
Average total loans | $232,914,000 | 2,034 |
2022-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1112% | 2,948 |
Cost of funding earning assets | 0.4455% | 674 |
Net interest margin | 2.6657% | 3,489 |
Noninterest income to average assets | 0.1673% | 4,166 |
Noninterest expense to average assets | 2.3565% | 2,318 |
Loan and lease loss provision to assets | -0.1033% | 4,606 |
Net operating income to assets | 0.2601% | 4,222 |
Return on assets (ROA) | 0.2601% | 4,194 |
Pretax return on assets | 0.3777% | 4,072 |
Return on Equity (ROE) | 2.2997% | 4,216 |
Retained earnings to average equity (ytd only) | 2.2997% | 3,463 |
Net charge-offs to loans | 0.0000% | 1,838 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 89.5678% | 569 |
Assets per employee ($millions) | 9.5237% | 768 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.5722% | 4,525 |
Loan loss allowance to noncurrent loans | 276.5199% | 2,220 |
Noncurrent assets plus other real estate owned to assets | 0.1565% | 2,705 |
Noncurrent loans to loans | 0.2069% | 2,788 |
Net loans and leases to total assets | 75.2072% | 556 |
Net loans and leases to deposits | 95.2967% | 304 |
Net loans and leases to core deposits | 101.5323% | 453 |
Total domestic deposits to total assets | 78.9190% | 4,351 |
Equity capital to assets | 11.3697% | 1,174 |
Core capital (leverage) ratio | 11.4901% | 1,267 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.9969% | 906 |
Memoranda: | ||
Average total assets | $306,044,000 | 2,472 |
Average earning assets | $282,853,000 | 2,489 |
Average equity | $34,613,500 | 2,269 |
Average total loans | $228,485,500 | 2,056 |
2021-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3439% | 3,069 |
Cost of funding earning assets | 0.5852% | 588 |
Net interest margin | 2.7586% | 3,760 |
Noninterest income to average assets | 0.1717% | 4,296 |
Noninterest expense to average assets | 1.9969% | 3,687 |
Loan and lease loss provision to assets | 0.0290% | 2,476 |
Net operating income to assets | 0.5042% | 4,078 |
Return on assets (ROA) | 0.5042% | 4,122 |
Pretax return on assets | 0.6861% | 3,957 |
Return on Equity (ROE) | 4.4622% | 4,115 |
Retained earnings to average equity (ytd only) | 4.4622% | 3,024 |
Net charge-offs to loans | 0.0000% | 2,705 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.6340% | 1,348 |
Assets per employee ($millions) | 9.6041% | 755 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,588 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6173% | 4,534 |
Loan loss allowance to noncurrent loans | 174.3142% | 2,790 |
Noncurrent assets plus other real estate owned to assets | 0.2610% | 2,248 |
Noncurrent loans to loans | 0.3542% | 2,316 |
Net loans and leases to total assets | 73.2288% | 731 |
Net loans and leases to deposits | 91.7083% | 492 |
Net loans and leases to core deposits | 100.3107% | 522 |
Total domestic deposits to total assets | 79.8497% | 4,235 |
Equity capital to assets | 11.2508% | 1,633 |
Core capital (leverage) ratio | 11.6534% | 1,225 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.8742% | 773 |
Memoranda: | ||
Average total assets | $293,556,600 | 2,460 |
Average earning assets | $270,313,400 | 2,484 |
Average equity | $33,167,800 | 2,378 |
Average total loans | $219,402,000 | 2,101 |
2021-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3979% | 3,109 |
Cost of funding earning assets | 0.6178% | 586 |
Net interest margin | 2.7801% | 3,824 |
Noninterest income to average assets | 0.1659% | 4,374 |
Noninterest expense to average assets | 1.9872% | 3,719 |
Loan and lease loss provision to assets | 0.0300% | 2,396 |
Net operating income to assets | 0.5156% | 4,171 |
Return on assets (ROA) | 0.5156% | 4,215 |
Pretax return on assets | 0.7068% | 4,057 |
Return on Equity (ROE) | 4.5587% | 4,213 |
Retained earnings to average equity (ytd only) | 4.5587% | 3,388 |
Net charge-offs to loans | 0.0000% | 2,463 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 72.9543% | 1,314 |
Assets per employee ($millions) | 8.8666% | 936 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,236 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6124% | 4,621 |
Loan loss allowance to noncurrent loans | 74.0462% | 3,690 |
Noncurrent assets plus other real estate owned to assets | 0.6360% | 1,192 |
Noncurrent loans to loans | 0.8271% | 1,381 |
Net loans and leases to total assets | 76.4281% | 516 |
Net loans and leases to deposits | 97.7600% | 282 |
Net loans and leases to core deposits | 107.5275% | 380 |
Total domestic deposits to total assets | 78.1793% | 4,407 |
Equity capital to assets | 11.7137% | 1,540 |
Core capital (leverage) ratio | 11.6580% | 1,303 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.4743% | 887 |
Memoranda: | ||
Average total assets | $290,113,250 | 2,498 |
Average earning assets | $266,942,500 | 2,529 |
Average equity | $32,815,500 | 2,425 |
Average total loans | $217,639,500 | 2,147 |
2021-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4151% | 3,137 |
Cost of funding earning assets | 0.6495% | 575 |
Net interest margin | 2.7656% | 3,858 |
Noninterest income to average assets | 0.1459% | 4,469 |
Noninterest expense to average assets | 1.9718% | 3,784 |
Loan and lease loss provision to assets | 0.0678% | 1,698 |
Net operating income to assets | 0.4701% | 4,278 |
Return on assets (ROA) | 0.4701% | 4,319 |
Pretax return on assets | 0.6526% | 4,155 |
Return on Equity (ROE) | 4.2067% | 4,296 |
Retained earnings to average equity (ytd only) | 4.2067% | 3,457 |
Net charge-offs to loans | 0.0000% | 2,245 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 73.2409% | 1,315 |
Assets per employee ($millions) | 9.4960% | 715 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,087 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6296% | 4,628 |
Loan loss allowance to noncurrent loans | 110.0624% | 3,244 |
Noncurrent assets plus other real estate owned to assets | 0.4355% | 1,884 |
Noncurrent loans to loans | 0.5720% | 1,970 |
Net loans and leases to total assets | 75.6547% | 622 |
Net loans and leases to deposits | 97.1400% | 347 |
Net loans and leases to core deposits | 107.2335% | 434 |
Total domestic deposits to total assets | 77.8821% | 4,441 |
Equity capital to assets | 11.4907% | 1,634 |
Core capital (leverage) ratio | 11.6602% | 1,235 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.1456% | 1,087 |
Memoranda: | ||
Average total assets | $289,285,000 | 2,500 |
Average earning assets | $266,345,333 | 2,529 |
Average equity | $32,329,333 | 2,437 |
Average total loans | $215,184,333 | 2,179 |
2021-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.1745% | 3,729 |
Cost of funding earning assets | 0.6799% | 590 |
Net interest margin | 2.4945% | 4,306 |
Noninterest income to average assets | 0.1409% | 4,503 |
Noninterest expense to average assets | 2.0102% | 3,687 |
Loan and lease loss provision to assets | 0.0153% | 2,580 |
Net operating income to assets | 0.3418% | 4,462 |
Return on assets (ROA) | 0.3418% | 4,496 |
Pretax return on assets | 0.4185% | 4,465 |
Return on Equity (ROE) | 3.1031% | 4,453 |
Retained earnings to average equity (ytd only) | 3.1031% | 3,747 |
Net charge-offs to loans | 0.0000% | 1,930 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.2489% | 692 |
Assets per employee ($millions) | 9.7492% | 642 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6255% | 4,661 |
Loan loss allowance to noncurrent loans | 90.8093% | 3,454 |
Noncurrent assets plus other real estate owned to assets | 0.4985% | 1,895 |
Noncurrent loans to loans | 0.6888% | 1,858 |
Net loans and leases to total assets | 71.9180% | 1,039 |
Net loans and leases to deposits | 91.5259% | 619 |
Net loans and leases to core deposits | 100.9939% | 672 |
Total domestic deposits to total assets | 78.5767% | 4,372 |
Equity capital to assets | 10.8317% | 1,983 |
Core capital (leverage) ratio | 11.6413% | 1,328 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 18.7017% | 966 |
Memoranda: | ||
Average total assets | $286,739,000 | 2,506 |
Average earning assets | $264,738,000 | 2,522 |
Average equity | $31,581,000 | 2,458 |
Average total loans | $210,716,000 | 2,211 |
2020-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3824% | 4,217 |
Cost of funding earning assets | 1.0094% | 573 |
Net interest margin | 2.3731% | 4,673 |
Noninterest income to average assets | 0.3972% | 3,107 |
Noninterest expense to average assets | 2.1563% | 3,800 |
Loan and lease loss provision to assets | 0.0339% | 3,978 |
Net operating income to assets | 0.2939% | 4,439 |
Return on assets (ROA) | 0.2939% | 4,505 |
Pretax return on assets | 0.3832% | 4,443 |
Return on Equity (ROE) | 2.5394% | 4,476 |
Retained earnings to average equity (ytd only) | 2.5394% | 3,576 |
Net charge-offs to loans | 0.0015% | 3,364 |
Credit loss provision to net charge-offs | 3,066.6667% | 323 |
Earnings coverage of net charge-offs (x) | 377.0000% | 291 |
Efficiency ratio | 83.7919% | 651 |
Assets per employee ($millions) | 9.0646% | 724 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6259% | 4,692 |
Loan loss allowance to noncurrent loans | 63.1554% | 3,830 |
Noncurrent assets plus other real estate owned to assets | 0.7399% | 1,393 |
Noncurrent loans to loans | 0.9911% | 1,429 |
Net loans and leases to total assets | 74.1817% | 1,000 |
Net loans and leases to deposits | 96.1818% | 546 |
Net loans and leases to core deposits | 106.3238% | 631 |
Total domestic deposits to total assets | 77.1265% | 4,399 |
Equity capital to assets | 11.2035% | 2,097 |
Core capital (leverage) ratio | 12.1430% | 1,188 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 19.8798% | 787 |
Memoranda: | ||
Average total assets | $271,160,600 | 2,456 |
Average earning assets | $248,667,000 | 2,474 |
Average equity | $31,385,000 | 2,414 |
Average total loans | $195,210,000 | 2,283 |
2020-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4467% | 4,293 |
Cost of funding earning assets | 1.0808% | 574 |
Net interest margin | 2.3659% | 4,746 |
Noninterest income to average assets | 0.4898% | 2,651 |
Noninterest expense to average assets | 2.2265% | 3,614 |
Loan and lease loss provision to assets | 0.0555% | 3,656 |
Net operating income to assets | 0.2962% | 4,456 |
Return on assets (ROA) | 0.2962% | 4,501 |
Pretax return on assets | 0.3736% | 4,462 |
Return on Equity (ROE) | 2.5381% | 4,472 |
Retained earnings to average equity (ytd only) | 2.5381% | 3,718 |
Net charge-offs to loans | 0.0021% | 3,123 |
Credit loss provision to net charge-offs | 3,733.3333% | 288 |
Earnings coverage of net charge-offs (x) | 288.3333% | 373 |
Efficiency ratio | 83.8378% | 614 |
Assets per employee ($millions) | 8.6112% | 809 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6738% | 4,615 |
Loan loss allowance to noncurrent loans | 76.6532% | 3,622 |
Noncurrent assets plus other real estate owned to assets | 0.6514% | 1,785 |
Noncurrent loans to loans | 0.8790% | 1,701 |
Net loans and leases to total assets | 73.6142% | 1,420 |
Net loans and leases to deposits | 95.3705% | 808 |
Net loans and leases to core deposits | 104.0550% | 919 |
Total domestic deposits to total assets | 77.1876% | 4,297 |
Equity capital to assets | 11.7199% | 1,863 |
Core capital (leverage) ratio | 12.2282% | 1,231 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.0255% | 581 |
Memoranda: | ||
Average total assets | $268,700,250 | 2,445 |
Average earning assets | $245,985,500 | 2,476 |
Average equity | $31,360,750 | 2,407 |
Average total loans | $191,571,250 | 2,312 |
2020-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4963% | 4,414 |
Cost of funding earning assets | 1.1359% | 638 |
Net interest margin | 2.3605% | 4,813 |
Noninterest income to average assets | 0.6692% | 1,864 |
Noninterest expense to average assets | 2.1962% | 3,798 |
Loan and lease loss provision to assets | 0.0847% | 3,223 |
Net operating income to assets | 0.4271% | 4,172 |
Return on assets (ROA) | 0.4271% | 4,237 |
Pretax return on assets | 0.5429% | 4,174 |
Return on Equity (ROE) | 3.6641% | 4,203 |
Retained earnings to average equity (ytd only) | 3.6641% | 3,088 |
Net charge-offs to loans | 0.0032% | 2,880 |
Credit loss provision to net charge-offs | 3,800.0000% | 283 |
Earnings coverage of net charge-offs (x) | 281.6667% | 335 |
Efficiency ratio | 77.7749% | 1,074 |
Assets per employee ($millions) | 8.9941% | 678 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6958% | 4,571 |
Loan loss allowance to noncurrent loans | 55.7411% | 3,965 |
Noncurrent assets plus other real estate owned to assets | 0.8876% | 1,383 |
Noncurrent loans to loans | 1.2482% | 1,250 |
Net loans and leases to total assets | 70.6162% | 1,934 |
Net loans and leases to deposits | 91.2289% | 1,239 |
Net loans and leases to core deposits | 99.3887% | 1,300 |
Total domestic deposits to total assets | 77.4055% | 4,260 |
Equity capital to assets | 11.4950% | 1,975 |
Core capital (leverage) ratio | 12.3719% | 1,229 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 22.0437% | 577 |
Memoranda: | ||
Average total assets | $269,284,667 | 2,415 |
Average earning assets | $245,800,000 | 2,450 |
Average equity | $31,385,667 | 2,392 |
Average total loans | $189,480,333 | 2,312 |
2020-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5453% | 4,589 |
Cost of funding earning assets | 1.1877% | 806 |
Net interest margin | 2.3576% | 4,902 |
Noninterest income to average assets | 0.1383% | 4,673 |
Noninterest expense to average assets | 2.2824% | 3,810 |
Loan and lease loss provision to assets | 0.1323% | 2,073 |
Net operating income to assets | -0.1011% | 4,804 |
Return on assets (ROA) | -0.1011% | 4,789 |
Pretax return on assets | -0.1130% | 4,781 |
Return on Equity (ROE) | -0.8616% | 4,793 |
Retained earnings to average equity (ytd only) | -0.8616% | 4,123 |
Net charge-offs to loans | 0.0042% | 2,422 |
Credit loss provision to net charge-offs | 4,450.0000% | 184 |
Earnings coverage of net charge-offs (x) | 6.5000% | 1,981 |
Efficiency ratio | 99.1602% | 249 |
Assets per employee ($millions) | 8.5977% | 611 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6875% | 4,630 |
Loan loss allowance to noncurrent loans | 68.1039% | 3,774 |
Noncurrent assets plus other real estate owned to assets | 0.7222% | 1,862 |
Noncurrent loans to loans | 1.0094% | 1,640 |
Net loans and leases to total assets | 71.0583% | 2,082 |
Net loans and leases to deposits | 92.3881% | 1,238 |
Net loans and leases to core deposits | 97.8082% | 1,647 |
Total domestic deposits to total assets | 76.9128% | 4,364 |
Equity capital to assets | 11.8595% | 2,177 |
Core capital (leverage) ratio | 11.9171% | 1,793 |
Tier 1 risk-based capital ratio | NA | NA |
Total risk-based capital ratio | 21.9660% | 644 |
Memoranda: | ||
Average total assets | $269,016,000 | 2,373 |
Average earning assets | $246,861,500 | 2,391 |
Average equity | $31,570,500 | 2,372 |
Average total loans | $188,284,000 | 2,273 |
2019-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5939% | 4,782 |
Cost of funding earning assets | 1.1700% | 1,096 |
Net interest margin | 2.4239% | 5,002 |
Noninterest income to average assets | 0.1365% | 4,790 |
Noninterest expense to average assets | 2.3760% | 3,748 |
Loan and lease loss provision to assets | 0.0835% | 2,337 |
Net operating income to assets | 0.0012% | 4,969 |
Return on assets (ROA) | 0.0226% | 4,980 |
Pretax return on assets | -0.0683% | 4,997 |
Return on Equity (ROE) | 0.1927% | 4,980 |
Retained earnings to average equity (ytd only) | 0.1927% | 4,633 |
Net charge-offs to loans | 0.0742% | 2,033 |
Credit loss provision to net charge-offs | 167.9104% | 1,541 |
Earnings coverage of net charge-offs (x) | -0.2388% | 3,639 |
Efficiency ratio | 100.5022% | 155 |
Assets per employee ($millions) | 9.0501% | 498 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6585% | 4,632 |
Loan loss allowance to noncurrent loans | 47.6636% | 4,132 |
Noncurrent assets plus other real estate owned to assets | 0.9458% | 1,343 |
Noncurrent loans to loans | 1.3816% | 1,068 |
Net loans and leases to total assets | 68.0074% | 2,680 |
Net loans and leases to deposits | 88.5076% | 1,771 |
Net loans and leases to core deposits | 94.1667% | 2,047 |
Total domestic deposits to total assets | 76.8378% | 4,510 |
Equity capital to assets | 11.6139% | 2,416 |
Core capital (leverage) ratio | 11.9252% | 1,826 |
Tier 1 risk-based capital ratio | 23.2641% | 892 |
Total risk-based capital ratio | 24.1618% | 898 |
Memoranda: | ||
Average total assets | $269,525,800 | 2,336 |
Average earning assets | $247,695,800 | 2,351 |
Average equity | $31,662,400 | 2,316 |
Average total loans | $180,567,800 | 2,307 |
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5816% | 4,896 |
Cost of funding earning assets | 1.1535% | 1,162 |
Net interest margin | 2.4282% | 5,094 |
Noninterest income to average assets | 0.1373% | 4,848 |
Noninterest expense to average assets | 2.4581% | 3,544 |
Loan and lease loss provision to assets | 0.0352% | 3,195 |
Net operating income to assets | 0.0020% | 5,062 |
Return on assets (ROA) | 0.0020% | 5,074 |
Pretax return on assets | -0.1224% | 5,091 |
Return on Equity (ROE) | 0.0168% | 5,074 |
Retained earnings to average equity (ytd only) | 0.0168% | 4,752 |
Net charge-offs to loans | 0.0000% | 3,455 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 103.6789% | 127 |
Assets per employee ($millions) | 8.4078% | 592 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6550% | 4,718 |
Loan loss allowance to noncurrent loans | 53.7980% | 4,121 |
Noncurrent assets plus other real estate owned to assets | 0.8318% | 1,655 |
Noncurrent loans to loans | 1.2176% | 1,288 |
Net loans and leases to total assets | 67.8715% | 2,804 |
Net loans and leases to deposits | 87.7134% | 1,974 |
Net loans and leases to core deposits | 92.6901% | 2,300 |
Total domestic deposits to total assets | 77.3788% | 4,461 |
Equity capital to assets | 11.6935% | 2,513 |
Core capital (leverage) ratio | 11.8043% | 1,992 |
Tier 1 risk-based capital ratio | 23.5754% | 888 |
Total risk-based capital ratio | 24.4740% | 901 |
Memoranda: | ||
Average total assets | $269,031,500 | 2,352 |
Average earning assets | $247,477,750 | 2,368 |
Average equity | $31,695,000 | 2,330 |
Average total loans | $179,243,250 | 2,350 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5795% | 4,951 |
Cost of funding earning assets | 1.1278% | 1,204 |
Net interest margin | 2.4517% | 5,153 |
Noninterest income to average assets | 0.1427% | 4,855 |
Noninterest expense to average assets | 2.5849% | 3,227 |
Loan and lease loss provision to assets | 0.0245% | 3,314 |
Net operating income to assets | -0.0290% | 5,111 |
Return on assets (ROA) | -0.0290% | 5,116 |
Pretax return on assets | -0.2171% | 5,148 |
Return on Equity (ROE) | -0.2455% | 5,117 |
Retained earnings to average equity (ytd only) | -0.2455% | 4,725 |
Net charge-offs to loans | 0.0000% | 3,172 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 108.0485% | 108 |
Assets per employee ($millions) | 8.3920% | 585 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6364% | 4,814 |
Loan loss allowance to noncurrent loans | 61.9883% | 3,974 |
Noncurrent assets plus other real estate owned to assets | 1.0095% | 1,385 |
Noncurrent loans to loans | 1.0267% | 1,594 |
Net loans and leases to total assets | 67.7901% | 2,845 |
Net loans and leases to deposits | 88.6042% | 1,926 |
Net loans and leases to core deposits | 93.5368% | 2,279 |
Total domestic deposits to total assets | 76.5090% | 4,621 |
Equity capital to assets | 11.7470% | 2,387 |
Core capital (leverage) ratio | 11.8331% | 1,925 |
Tier 1 risk-based capital ratio | 24.1538% | 833 |
Total risk-based capital ratio | 25.0475% | 848 |
Memoranda: | ||
Average total assets | $269,026,000 | 2,362 |
Average earning assets | $246,850,670 | 2,376 |
Average equity | $31,773,000 | 2,319 |
Average total loans | $177,720,670 | 2,368 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5096% | 5,043 |
Cost of funding earning assets | 1.0834% | 1,241 |
Net interest margin | 2.4262% | 5,213 |
Noninterest income to average assets | 0.1426% | 4,881 |
Noninterest expense to average assets | 2.3204% | 3,969 |
Loan and lease loss provision to assets | 0.0401% | 2,824 |
Net operating income to assets | 0.0163% | 5,135 |
Return on assets (ROA) | 0.0163% | 5,138 |
Pretax return on assets | 0.0045% | 5,140 |
Return on Equity (ROE) | 0.1380% | 5,138 |
Retained earnings to average equity (ytd only) | 0.1380% | 4,497 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 98.1156% | 197 |
Assets per employee ($millions) | 8.5301% | 555 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6429% | 4,862 |
Loan loss allowance to noncurrent loans | 65.0224% | 3,978 |
Noncurrent assets plus other real estate owned to assets | 1.1262% | 1,219 |
Noncurrent loans to loans | 0.9887% | 1,696 |
Net loans and leases to total assets | 65.6779% | 3,099 |
Net loans and leases to deposits | 85.1054% | 2,241 |
Net loans and leases to core deposits | 89.4707% | 2,560 |
Total domestic deposits to total assets | 77.1724% | 4,638 |
Equity capital to assets | 11.6968% | 2,237 |
Core capital (leverage) ratio | 11.9697% | 1,795 |
Tier 1 risk-based capital ratio | 24.0987% | 835 |
Total risk-based capital ratio | 24.9888% | 841 |
Memoranda: | ||
Average total assets | $269,266,500 | 2,376 |
Average earning assets | $246,640,500 | 2,404 |
Average equity | $31,886,500 | 2,305 |
Average total loans | $174,974,500 | 2,421 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3613% | 5,038 |
Cost of funding earning assets | 0.8868% | 1,145 |
Net interest margin | 2.4745% | 5,226 |
Noninterest income to average assets | 0.0880% | 5,185 |
Noninterest expense to average assets | 2.3462% | 4,002 |
Loan and lease loss provision to assets | 0.0838% | 2,456 |
Net operating income to assets | -0.0210% | 5,240 |
Return on assets (ROA) | -0.0081% | 5,233 |
Pretax return on assets | -0.0477% | 5,238 |
Return on Equity (ROE) | -0.0664% | 5,233 |
Retained earnings to average equity (ytd only) | -0.0664% | 4,993 |
Net charge-offs to loans | 0.0835% | 1,946 |
Credit loss provision to net charge-offs | 162.4060% | 1,708 |
Earnings coverage of net charge-offs (x) | 0.3835% | 3,701 |
Efficiency ratio | 99.1641% | 153 |
Assets per employee ($millions) | 8.2990% | 599 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6684% | 4,869 |
Loan loss allowance to noncurrent loans | 43.1290% | 4,431 |
Noncurrent assets plus other real estate owned to assets | 1.5589% | 737 |
Noncurrent loans to loans | 1.5497% | 965 |
Net loans and leases to total assets | 63.4031% | 3,416 |
Net loans and leases to deposits | 82.5877% | 2,664 |
Net loans and leases to core deposits | 86.1150% | 2,906 |
Total domestic deposits to total assets | 76.7706% | 4,669 |
Equity capital to assets | 11.9912% | 1,902 |
Core capital (leverage) ratio | 12.2177% | 1,609 |
Tier 1 risk-based capital ratio | 25.4328% | 714 |
Total risk-based capital ratio | 26.3564% | 717 |
Memoranda: | ||
Average total assets | $257,863,200 | 2,419 |
Average earning assets | $237,376,600 | 2,433 |
Average equity | $31,629,600 | 2,242 |
Average total loans | $159,360,200 | 2,535 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3313% | 5,098 |
Cost of funding earning assets | 0.8368% | 1,164 |
Net interest margin | 2.4945% | 5,284 |
Noninterest income to average assets | 0.0667% | 5,305 |
Noninterest expense to average assets | 2.3755% | 3,909 |
Loan and lease loss provision to assets | 0.1005% | 1,987 |
Net operating income to assets | -0.0475% | 5,318 |
Return on assets (ROA) | -0.0302% | 5,304 |
Pretax return on assets | -0.0828% | 5,320 |
Return on Equity (ROE) | -0.2449% | 5,305 |
Retained earnings to average equity (ytd only) | -0.2449% | 5,068 |
Net charge-offs to loans | 0.1131% | 1,368 |
Credit loss provision to net charge-offs | 145.1128% | 1,761 |
Earnings coverage of net charge-offs (x) | -0.0602% | 3,420 |
Efficiency ratio | 100.1757% | 152 |
Assets per employee ($millions) | 8.3895% | 550 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6680% | 4,934 |
Loan loss allowance to noncurrent loans | 60.8886% | 4,194 |
Noncurrent assets plus other real estate owned to assets | 1.2216% | 1,137 |
Noncurrent loans to loans | 1.0971% | 1,551 |
Net loans and leases to total assets | 63.4637% | 3,490 |
Net loans and leases to deposits | 82.3301% | 2,779 |
Net loans and leases to core deposits | 85.7391% | 3,016 |
Total domestic deposits to total assets | 77.0845% | 4,631 |
Equity capital to assets | 12.2173% | 1,763 |
Core capital (leverage) ratio | 12.2438% | 1,651 |
Tier 1 risk-based capital ratio | 26.4239% | 655 |
Total risk-based capital ratio | 27.3635% | 665 |
Memoranda: | ||
Average total assets | $255,936,750 | 2,451 |
Average earning assets | $236,460,500 | 2,456 |
Average equity | $31,575,750 | 2,246 |
Average total loans | $156,822,250 | 2,574 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2536% | 5,183 |
Cost of funding earning assets | 0.7820% | 1,208 |
Net interest margin | 2.4715% | 5,358 |
Noninterest income to average assets | 0.0361% | 5,430 |
Noninterest expense to average assets | 2.4144% | 3,857 |
Loan and lease loss provision to assets | 0.1320% | 1,500 |
Net operating income to assets | -0.1243% | 5,385 |
Return on assets (ROA) | -0.0982% | 5,373 |
Pretax return on assets | -0.1854% | 5,389 |
Return on Equity (ROE) | -0.7934% | 5,372 |
Retained earnings to average equity (ytd only) | -0.7934% | 5,058 |
Net charge-offs to loans | 0.1145% | 1,239 |
Credit loss provision to net charge-offs | 190.9091% | 1,348 |
Earnings coverage of net charge-offs (x) | -1.2500% | 3,155 |
Efficiency ratio | 103.7125% | 130 |
Assets per employee ($millions) | 8.2998% | 560 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6978% | 4,950 |
Loan loss allowance to noncurrent loans | 86.1937% | 3,734 |
Noncurrent assets plus other real estate owned to assets | 1.0490% | 1,421 |
Noncurrent loans to loans | 0.8096% | 2,106 |
Net loans and leases to total assets | 62.4979% | 3,545 |
Net loans and leases to deposits | 80.9761% | 2,859 |
Net loans and leases to core deposits | 84.7859% | 3,023 |
Total domestic deposits to total assets | 77.1807% | 4,711 |
Equity capital to assets | 12.3290% | 1,646 |
Core capital (leverage) ratio | 12.5439% | 1,413 |
Tier 1 risk-based capital ratio | 27.4420% | 586 |
Total risk-based capital ratio | 28.4301% | 591 |
Memoranda: | ||
Average total assets | $254,558,000 | 2,471 |
Average earning assets | $236,049,330 | 2,463 |
Average equity | $31,509,670 | 2,257 |
Average total loans | $153,709,000 | 2,628 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2109% | 5,221 |
Cost of funding earning assets | 0.7476% | 1,202 |
Net interest margin | 2.4633% | 5,418 |
Noninterest income to average assets | 0.0095% | 5,547 |
Noninterest expense to average assets | 2.4140% | 3,907 |
Loan and lease loss provision to assets | 0.1706% | 1,038 |
Net operating income to assets | -0.1738% | 5,444 |
Return on assets (ROA) | -0.1738% | 5,438 |
Pretax return on assets | -0.2796% | 5,461 |
Return on Equity (ROE) | -1.4011% | 5,433 |
Retained earnings to average equity (ytd only) | -1.4011% | 4,953 |
Net charge-offs to loans | 0.2353% | 644 |
Credit loss provision to net charge-offs | 122.7273% | 1,368 |
Earnings coverage of net charge-offs (x) | -0.7841% | 2,669 |
Efficiency ratio | 104.7293% | 136 |
Assets per employee ($millions) | 7.9270% | 638 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7103% | 5,010 |
Loan loss allowance to noncurrent loans | 100.0000% | 3,460 |
Noncurrent assets plus other real estate owned to assets | 0.9722% | 1,619 |
Noncurrent loans to loans | 0.7103% | 2,435 |
Net loans and leases to total assets | 58.9656% | 3,852 |
Net loans and leases to deposits | 74.7765% | 3,334 |
Net loans and leases to core deposits | 78.2549% | 3,473 |
Total domestic deposits to total assets | 78.8558% | 4,601 |
Equity capital to assets | 12.3400% | 1,581 |
Core capital (leverage) ratio | 12.6180% | 1,338 |
Tier 1 risk-based capital ratio | 31.8099% | 412 |
Total risk-based capital ratio | 32.9039% | 409 |
Memoranda: | ||
Average total assets | $253,189,500 | 2,492 |
Average earning assets | $235,945,500 | 2,483 |
Average equity | $31,403,500 | 2,275 |
Average total loans | $149,596,500 | 2,692 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0916% | 5,300 |
Cost of funding earning assets | 0.6408% | 1,353 |
Net interest margin | 2.4508% | 5,437 |
Noninterest income to average assets | 0.0649% | 5,497 |
Noninterest expense to average assets | 2.9030% | 2,446 |
Loan and lease loss provision to assets | 0.0068% | 4,131 |
Net operating income to assets | -0.4403% | 5,518 |
Return on assets (ROA) | -0.4346% | 5,512 |
Pretax return on assets | -0.5478% | 5,557 |
Return on Equity (ROE) | -3.4230% | 5,499 |
Retained earnings to average equity (ytd only) | -3.4230% | 5,367 |
Net charge-offs to loans | 0.0014% | 4,073 |
Credit loss provision to net charge-offs | 850.0000% | 411 |
Earnings coverage of net charge-offs (x) | -688.0000% | 4,126 |
Efficiency ratio | 123.2786% | 54 |
Assets per employee ($millions) | 7.6581% | 717 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7068% | 5,056 |
Loan loss allowance to noncurrent loans | 50.6512% | 4,468 |
Noncurrent assets plus other real estate owned to assets | 0.8203% | 1,903 |
Noncurrent loans to loans | 1.3955% | 1,230 |
Net loans and leases to total assets | 58.3655% | 3,978 |
Net loans and leases to deposits | 74.4651% | 3,480 |
Net loans and leases to core deposits | 77.1854% | 3,655 |
Total domestic deposits to total assets | 78.3797% | 4,658 |
Equity capital to assets | 12.4666% | 1,538 |
Core capital (leverage) ratio | 12.5722% | 1,321 |
Tier 1 risk-based capital ratio | 31.0114% | 417 |
Total risk-based capital ratio | 32.0630% | 425 |
Memoranda: | ||
Average total assets | $251,015,200 | 2,486 |
Average earning assets | $234,539,200 | 2,462 |
Average equity | $31,873,000 | 2,224 |
Average total loans | $144,555,400 | 2,710 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0422% | 5,384 |
Cost of funding earning assets | 0.6276% | 1,367 |
Net interest margin | 2.4147% | 5,517 |
Noninterest income to average assets | 0.0686% | 5,561 |
Noninterest expense to average assets | 3.0647% | 1,908 |
Loan and lease loss provision to assets | -0.0575% | 5,534 |
Net operating income to assets | -0.3051% | 5,604 |
Return on assets (ROA) | -0.2990% | 5,602 |
Pretax return on assets | -0.6709% | 5,640 |
Return on Equity (ROE) | -2.3442% | 5,594 |
Retained earnings to average equity (ytd only) | -2.3442% | 5,448 |
Net charge-offs to loans | 0.0019% | 3,705 |
Credit loss provision to net charge-offs | -5,400.0000% | 5,174 |
Earnings coverage of net charge-offs (x) | -692.6180% | 3,794 |
Efficiency ratio | 131.7174% | 44 |
Assets per employee ($millions) | 8.4266% | 534 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6286% | 5,276 |
Loan loss allowance to noncurrent loans | 32.7202% | 4,896 |
Noncurrent assets plus other real estate owned to assets | 1.1183% | 1,483 |
Noncurrent loans to loans | 1.9210% | 899 |
Net loans and leases to total assets | 57.8480% | 4,073 |
Net loans and leases to deposits | 72.8930% | 3,678 |
Net loans and leases to core deposits | 75.4531% | 3,845 |
Total domestic deposits to total assets | 79.3601% | 4,470 |
Equity capital to assets | 12.6932% | 1,550 |
Core capital (leverage) ratio | 12.9497% | 1,227 |
Tier 1 risk-based capital ratio | 32.5934% | 397 |
Total risk-based capital ratio | 33.5289% | 397 |
Memoranda: | ||
Average total assets | $250,590,000 | 2,506 |
Average earning assets | $234,339,500 | 2,477 |
Average equity | $31,965,000 | 2,235 |
Average total loans | $143,557,000 | 2,747 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0494% | 5,399 |
Cost of funding earning assets | 0.6214% | 1,324 |
Net interest margin | 2.4280% | 5,550 |
Noninterest income to average assets | 0.0704% | 5,596 |
Noninterest expense to average assets | 3.3892% | 1,199 |
Loan and lease loss provision to assets | -0.0728% | 5,623 |
Net operating income to assets | -0.4331% | 5,674 |
Return on assets (ROA) | -0.4331% | 5,672 |
Pretax return on assets | -0.9814% | 5,711 |
Return on Equity (ROE) | -3.3893% | 5,662 |
Retained earnings to average equity (ytd only) | -3.3893% | 5,459 |
Net charge-offs to loans | 0.0000% | 3,512 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 145.1491% | 29 |
Assets per employee ($millions) | 8.0468% | 606 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.6495% | 5,299 |
Loan loss allowance to noncurrent loans | 39.0244% | 4,807 |
Noncurrent assets plus other real estate owned to assets | 0.9697% | 1,808 |
Noncurrent loans to loans | 1.6644% | 1,101 |
Net loans and leases to total assets | 57.8833% | 4,049 |
Net loans and leases to deposits | 72.9091% | 3,656 |
Net loans and leases to core deposits | 75.2886% | 3,831 |
Total domestic deposits to total assets | 79.3911% | 4,533 |
Equity capital to assets | 12.7352% | 1,505 |
Core capital (leverage) ratio | 13.2426% | 1,081 |
Tier 1 risk-based capital ratio | 33.0498% | 364 |
Total risk-based capital ratio | 34.0058% | 370 |
Memoranda: | ||
Average total assets | $249,854,330 | 2,518 |
Average earning assets | $233,032,670 | 2,498 |
Average equity | $31,924,000 | 2,233 |
Average total loans | $142,355,000 | 2,770 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.0739% | 5,393 |
Cost of funding earning assets | 0.6216% | 1,232 |
Net interest margin | 2.4522% | 5,580 |
Noninterest income to average assets | 0.0832% | 5,636 |
Noninterest expense to average assets | 2.9737% | 2,233 |
Loan and lease loss provision to assets | -0.0192% | 5,674 |
Net operating income to assets | -0.3503% | 5,710 |
Return on assets (ROA) | -0.3503% | 5,709 |
Pretax return on assets | -0.5871% | 5,740 |
Return on Equity (ROE) | -2.7373% | 5,701 |
Retained earnings to average equity (ytd only) | -2.7373% | 5,238 |
Net charge-offs to loans | 0.0000% | 2,943 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 125.6081% | 69 |
Assets per employee ($millions) | 7.8356% | 660 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7242% | 5,255 |
Loan loss allowance to noncurrent loans | 42.0123% | 4,814 |
Noncurrent assets plus other real estate owned to assets | 0.9711% | 1,886 |
Noncurrent loans to loans | 1.7238% | 1,115 |
Net loans and leases to total assets | 55.9273% | 4,177 |
Net loans and leases to deposits | 72.1331% | 3,598 |
Net loans and leases to core deposits | 74.3292% | 3,807 |
Total domestic deposits to total assets | 77.5335% | 5,037 |
Equity capital to assets | 12.7264% | 1,389 |
Core capital (leverage) ratio | 13.3403% | 1,020 |
Tier 1 risk-based capital ratio | 29.8599% | 486 |
Total risk-based capital ratio | 30.7841% | 493 |
Memoranda: | ||
Average total assets | $250,056,500 | 2,542 |
Average earning assets | $232,932,500 | 2,527 |
Average equity | $32,002,000 | 2,240 |
Average total loans | $140,865,500 | 2,805 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3607% | 5,056 |
Cost of funding earning assets | 0.5579% | 1,618 |
Net interest margin | 2.8028% | 5,281 |
Noninterest income to average assets | 0.0383% | 5,799 |
Noninterest expense to average assets | 2.7975% | 3,028 |
Loan and lease loss provision to assets | 0.0008% | 4,322 |
Net operating income to assets | -0.1639% | 5,704 |
Return on assets (ROA) | -0.1639% | 5,716 |
Pretax return on assets | -0.1361% | 5,703 |
Return on Equity (ROE) | -1.2330% | 5,718 |
Retained earnings to average equity (ytd only) | -1.2330% | 5,475 |
Net charge-offs to loans | 0.0465% | 3,103 |
Credit loss provision to net charge-offs | 3.0769% | 3,771 |
Earnings coverage of net charge-offs (x) | -5.1692% | 4,221 |
Efficiency ratio | 105.0824% | 173 |
Assets per employee ($millions) | 7.5568% | 711 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7368% | 5,280 |
Loan loss allowance to noncurrent loans | 29.6987% | 5,081 |
Noncurrent assets plus other real estate owned to assets | 1.7624% | 853 |
Noncurrent loans to loans | 2.4808% | 634 |
Net loans and leases to total assets | 55.9166% | 4,271 |
Net loans and leases to deposits | 72.4182% | 3,669 |
Net loans and leases to core deposits | 74.3556% | 3,894 |
Total domestic deposits to total assets | 77.2134% | 5,087 |
Equity capital to assets | 12.8698% | 1,317 |
Core capital (leverage) ratio | 13.5950% | 934 |
Tier 1 risk-based capital ratio | 29.8185% | 485 |
Total risk-based capital ratio | 30.7358% | 491 |
Memoranda: | ||
Average total assets | $248,327,800 | 2,518 |
Average earning assets | $232,484,400 | 2,496 |
Average equity | $33,009,600 | 2,175 |
Average total loans | $139,796,200 | 2,784 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4976% | 4,808 |
Cost of funding earning assets | 0.5372% | 1,815 |
Net interest margin | 2.9603% | 5,079 |
Noninterest income to average assets | 0.0000% | 5,922 |
Noninterest expense to average assets | 2.8443% | 2,848 |
Loan and lease loss provision to assets | 0.0081% | 4,071 |
Net operating income to assets | -0.1569% | 5,779 |
Return on assets (ROA) | -0.1569% | 5,794 |
Pretax return on assets | -0.0774% | 5,762 |
Return on Equity (ROE) | -1.1713% | 5,791 |
Retained earnings to average equity (ytd only) | -1.1713% | 5,514 |
Net charge-offs to loans | 0.0296% | 3,067 |
Credit loss provision to net charge-offs | 48.3871% | 3,054 |
Earnings coverage of net charge-offs (x) | -4.1616% | 3,890 |
Efficiency ratio | 102.4985% | 191 |
Assets per employee ($millions) | 7.3295% | 781 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7843% | 5,235 |
Loan loss allowance to noncurrent loans | 73.9071% | 4,181 |
Noncurrent assets plus other real estate owned to assets | 0.9506% | 2,184 |
Noncurrent loans to loans | 1.0612% | 2,124 |
Net loans and leases to total assets | 54.9241% | 4,411 |
Net loans and leases to deposits | 71.7337% | 3,831 |
Net loans and leases to core deposits | 73.4534% | 4,043 |
Total domestic deposits to total assets | 76.5666% | 5,159 |
Equity capital to assets | 13.0367% | 1,472 |
Core capital (leverage) ratio | 13.7319% | 936 |
Tier 1 risk-based capital ratio | 30.5171% | 464 |
Total risk-based capital ratio | 31.4970% | 470 |
Memoranda: | ||
Average total assets | $248,066,000 | 2,533 |
Average earning assets | $232,537,500 | 2,498 |
Average equity | $33,238,500 | 2,180 |
Average total loans | $139,626,000 | 2,792 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.2593% | 5,348 |
Cost of funding earning assets | 0.5421% | 1,764 |
Net interest margin | 2.7172% | 5,549 |
Noninterest income to average assets | 0.0945% | 5,801 |
Noninterest expense to average assets | 2.8455% | 2,858 |
Loan and lease loss provision to assets | 0.0121% | 3,860 |
Net operating income to assets | -0.2955% | 5,878 |
Return on assets (ROA) | -0.2955% | 5,892 |
Pretax return on assets | -0.2011% | 5,856 |
Return on Equity (ROE) | -2.1858% | 5,874 |
Retained earnings to average equity (ytd only) | -2.1858% | 5,559 |
Net charge-offs to loans | 0.0071% | 3,442 |
Credit loss provision to net charge-offs | 300.0000% | 956 |
Earnings coverage of net charge-offs (x) | -46.8000% | 3,674 |
Efficiency ratio | 107.1125% | 161 |
Assets per employee ($millions) | 6.4765% | 1,099 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7932% | 5,294 |
Loan loss allowance to noncurrent loans | 27.3310% | 5,318 |
Noncurrent assets plus other real estate owned to assets | 2.0491% | 793 |
Noncurrent loans to loans | 2.9022% | 525 |
Net loans and leases to total assets | 56.3090% | 4,273 |
Net loans and leases to deposits | 72.7593% | 3,722 |
Net loans and leases to core deposits | 74.1662% | 3,969 |
Total domestic deposits to total assets | 77.3908% | 5,098 |
Equity capital to assets | 13.3653% | 1,300 |
Core capital (leverage) ratio | 13.8365% | 866 |
Tier 1 risk-based capital ratio | 30.3394% | 482 |
Total risk-based capital ratio | 31.3255% | 486 |
Memoranda: | ||
Average total assets | $247,686,670 | 2,551 |
Average earning assets | $233,549,330 | 2,509 |
Average equity | $33,488,670 | 2,173 |
Average total loans | $140,183,000 | 2,787 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.3113% | 5,300 |
Cost of funding earning assets | 0.5363% | 1,818 |
Net interest margin | 2.7750% | 5,510 |
Noninterest income to average assets | 0.0547% | 5,955 |
Noninterest expense to average assets | 2.8188% | 3,002 |
Loan and lease loss provision to assets | -0.0580% | 5,956 |
Net operating income to assets | -0.4105% | 5,945 |
Return on assets (ROA) | -0.4105% | 5,954 |
Pretax return on assets | -0.0821% | 5,852 |
Return on Equity (ROE) | -3.0190% | 5,939 |
Retained earnings to average equity (ytd only) | -3.0190% | 5,473 |
Net charge-offs to loans | 0.0228% | 2,477 |
Credit loss provision to net charge-offs | -450.0000% | 4,527 |
Earnings coverage of net charge-offs (x) | -10.8750% | 3,061 |
Efficiency ratio | 105.2284% | 202 |
Assets per employee ($millions) | 6.5245% | 1,093 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7532% | 5,484 |
Loan loss allowance to noncurrent loans | 23.1039% | 5,409 |
Noncurrent assets plus other real estate owned to assets | 1.8743% | 965 |
Noncurrent loans to loans | 3.2600% | 455 |
Net loans and leases to total assets | 56.0174% | 4,255 |
Net loans and leases to deposits | 71.1027% | 3,738 |
Net loans and leases to core deposits | 72.4401% | 4,034 |
Total domestic deposits to total assets | 78.7837% | 5,015 |
Equity capital to assets | 13.5670% | 1,149 |
Core capital (leverage) ratio | 13.8820% | 844 |
Tier 1 risk-based capital ratio | 30.4154% | 488 |
Total risk-based capital ratio | 31.3533% | 498 |
Memoranda: | ||
Average total assets | $248,476,000 | 2,556 |
Average earning assets | $234,955,500 | 2,505 |
Average equity | $33,786,500 | 2,156 |
Average total loans | $140,430,000 | 2,776 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5947% | 4,693 |
Cost of funding earning assets | 0.7075% | 787 |
Net interest margin | 2.8872% | 5,356 |
Noninterest income to average assets | 0.0275% | 6,053 |
Noninterest expense to average assets | 3.3181% | 1,684 |
Loan and lease loss provision to assets | 0.0625% | 3,048 |
Net operating income to assets | -0.3251% | 5,993 |
Return on assets (ROA) | -0.3251% | 6,000 |
Pretax return on assets | -0.6027% | 6,059 |
Return on Equity (ROE) | -3.3427% | 6,016 |
Retained earnings to average equity (ytd only) | -3.3427% | 5,839 |
Net charge-offs to loans | -0.0107% | 5,122 |
Credit loss provision to net charge-offs | -833.3333% | 5,533 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 119.4463% | 94 |
Assets per employee ($millions) | 6.0213% | 1,369 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.3137% | 2,818 |
Loan loss allowance to noncurrent loans | 37.4550% | 5,164 |
Noncurrent assets plus other real estate owned to assets | 2.0589% | 844 |
Noncurrent loans to loans | 3.5075% | 399 |
Net loans and leases to total assets | 56.9610% | 4,205 |
Net loans and leases to deposits | 72.7507% | 3,644 |
Net loans and leases to core deposits | 74.1345% | 3,927 |
Total domestic deposits to total assets | 78.2962% | 5,103 |
Equity capital to assets | 12.9811% | 1,358 |
Core capital (leverage) ratio | 12.4275% | 1,386 |
Tier 1 risk-based capital ratio | 27.6170% | 620 |
Total risk-based capital ratio | 28.8722% | 609 |
Memoranda: | ||
Average total assets | $159,942,400 | 3,435 |
Average earning assets | $152,363,800 | 3,367 |
Average equity | $15,556,400 | 3,753 |
Average total loans | $112,271,600 | 3,162 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6154% | 4,684 |
Cost of funding earning assets | 0.6910% | 880 |
Net interest margin | 2.9245% | 5,363 |
Noninterest income to average assets | 0.0511% | 6,092 |
Noninterest expense to average assets | 2.9298% | 2,744 |
Loan and lease loss provision to assets | 0.0685% | 2,808 |
Net operating income to assets | -0.1244% | 6,016 |
Return on assets (ROA) | -0.1244% | 6,038 |
Pretax return on assets | -0.1544% | 6,032 |
Return on Equity (ROE) | -1.5043% | 6,043 |
Retained earnings to average equity (ytd only) | -1.5043% | 5,806 |
Net charge-offs to loans | 0.0777% | 2,446 |
Credit loss provision to net charge-offs | 116.3934% | 2,039 |
Earnings coverage of net charge-offs (x) | -1.4590% | 4,069 |
Efficiency ratio | 103.0190% | 231 |
Assets per employee ($millions) | 7.0135% | 865 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9293% | 5,072 |
Loan loss allowance to noncurrent loans | 54.3028% | 4,833 |
Noncurrent assets plus other real estate owned to assets | 1.3089% | 1,785 |
Noncurrent loans to loans | 1.7112% | 1,405 |
Net loans and leases to total assets | 75.7780% | 1,416 |
Net loans and leases to deposits | 96.6722% | 940 |
Net loans and leases to core deposits | 99.2215% | 1,583 |
Total domestic deposits to total assets | 78.3865% | 5,116 |
Equity capital to assets | 7.9198% | 5,985 |
Core capital (leverage) ratio | 8.5824% | 5,479 |
Tier 1 risk-based capital ratio | 16.9174% | 2,410 |
Total risk-based capital ratio | 18.1690% | 2,355 |
Memoranda: | ||
Average total assets | $138,209,500 | 3,783 |
Average earning assets | $131,986,750 | 3,695 |
Average equity | $11,433,750 | 4,449 |
Average total loans | $104,716,000 | 3,326 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6373% | 4,616 |
Cost of funding earning assets | 0.6894% | 887 |
Net interest margin | 2.9479% | 5,342 |
Noninterest income to average assets | 0.0509% | 6,171 |
Noninterest expense to average assets | 2.9799% | 2,617 |
Loan and lease loss provision to assets | 0.0698% | 2,714 |
Net operating income to assets | -0.0945% | 6,049 |
Return on assets (ROA) | -0.0945% | 6,075 |
Pretax return on assets | -0.1818% | 6,101 |
Return on Equity (ROE) | -1.1263% | 6,087 |
Retained earnings to average equity (ytd only) | -1.1263% | 5,709 |
Net charge-offs to loans | 0.1021% | 1,986 |
Credit loss provision to net charge-offs | 90.5660% | 2,197 |
Earnings coverage of net charge-offs (x) | -1.4528% | 3,779 |
Efficiency ratio | 103.9047% | 252 |
Assets per employee ($millions) | 6.8789% | 876 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9467% | 5,109 |
Loan loss allowance to noncurrent loans | 83.0093% | 4,127 |
Noncurrent assets plus other real estate owned to assets | 0.8599% | 2,837 |
Noncurrent loans to loans | 1.1404% | 2,369 |
Net loans and leases to total assets | 74.6862% | 1,551 |
Net loans and leases to deposits | 90.2060% | 1,575 |
Net loans and leases to core deposits | 92.0873% | 2,150 |
Total domestic deposits to total assets | 82.7951% | 4,032 |
Equity capital to assets | 8.3793% | 5,774 |
Core capital (leverage) ratio | 8.6762% | 5,349 |
Tier 1 risk-based capital ratio | 17.3821% | 2,256 |
Total risk-based capital ratio | 18.6337% | 2,216 |
Memoranda: | ||
Average total assets | $137,523,000 | 3,830 |
Average earning assets | $131,417,330 | 3,733 |
Average equity | $11,542,000 | 4,463 |
Average total loans | $103,858,000 | 3,360 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5161% | 4,912 |
Cost of funding earning assets | 0.6770% | 966 |
Net interest margin | 2.8391% | 5,572 |
Noninterest income to average assets | 0.0495% | 6,234 |
Noninterest expense to average assets | 3.2903% | 1,741 |
Loan and lease loss provision to assets | 0.0698% | 2,543 |
Net operating income to assets | -0.3491% | 6,204 |
Return on assets (ROA) | -0.3491% | 6,219 |
Pretax return on assets | -0.6022% | 6,260 |
Return on Equity (ROE) | -4.1562% | 6,244 |
Retained earnings to average equity (ytd only) | -4.1562% | 5,871 |
Net charge-offs to loans | 0.0308% | 2,571 |
Credit loss provision to net charge-offs | 300.0000% | 799 |
Earnings coverage of net charge-offs (x) | -22.8750% | 3,263 |
Efficiency ratio | 119.3038% | 134 |
Assets per employee ($millions) | 6.6305% | 1,007 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9627% | 5,200 |
Loan loss allowance to noncurrent loans | 55.8774% | 4,840 |
Noncurrent assets plus other real estate owned to assets | 1.2891% | 2,065 |
Noncurrent loans to loans | 1.7228% | 1,590 |
Net loans and leases to total assets | 74.1080% | 1,483 |
Net loans and leases to deposits | 89.9956% | 1,397 |
Net loans and leases to core deposits | 91.8574% | 1,956 |
Total domestic deposits to total assets | 82.3463% | 4,399 |
Equity capital to assets | 8.2512% | 5,904 |
Core capital (leverage) ratio | 9.1127% | 4,832 |
Tier 1 risk-based capital ratio | 17.0871% | 2,447 |
Total risk-based capital ratio | 18.3379% | 2,406 |
Memoranda: | ||
Average total assets | $137,496,000 | 3,850 |
Average earning assets | $131,167,000 | 3,758 |
Average equity | $11,549,000 | 4,498 |
Average total loans | $103,920,500 | 3,377 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7302% | 4,704 |
Cost of funding earning assets | 0.6633% | 1,311 |
Net interest margin | 3.0669% | 5,282 |
Noninterest income to average assets | 0.0542% | 6,280 |
Noninterest expense to average assets | 2.5522% | 4,389 |
Loan and lease loss provision to assets | 0.0690% | 3,102 |
Net operating income to assets | 0.2309% | 5,703 |
Return on assets (ROA) | 0.2309% | 5,766 |
Pretax return on assets | 0.3675% | 5,566 |
Return on Equity (ROE) | 2.7127% | 5,570 |
Retained earnings to average equity (ytd only) | 2.7127% | 4,316 |
Net charge-offs to loans | 0.1021% | 3,047 |
Credit loss provision to net charge-offs | 86.1111% | 2,736 |
Earnings coverage of net charge-offs (x) | 5.4444% | 3,416 |
Efficiency ratio | 85.3949% | 1,242 |
Assets per employee ($millions) | 6.4644% | 1,069 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9522% | 5,282 |
Loan loss allowance to noncurrent loans | 54.6209% | 4,967 |
Noncurrent assets plus other real estate owned to assets | 1.3311% | 2,112 |
Noncurrent loans to loans | 1.7434% | 1,661 |
Net loans and leases to total assets | 75.6254% | 1,325 |
Net loans and leases to deposits | 91.5604% | 1,337 |
Net loans and leases to core deposits | 93.4957% | 1,949 |
Total domestic deposits to total assets | 82.5962% | 4,217 |
Equity capital to assets | 8.5516% | 5,700 |
Core capital (leverage) ratio | 8.8868% | 5,139 |
Tier 1 risk-based capital ratio | 16.7322% | 2,631 |
Total risk-based capital ratio | 17.9831% | 2,579 |
Memoranda: | ||
Average total assets | $134,707,400 | 3,889 |
Average earning assets | $128,893,800 | 3,789 |
Average equity | $11,464,600 | 4,466 |
Average total loans | $105,787,200 | 3,306 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7534% | 4,700 |
Cost of funding earning assets | 0.6539% | 1,435 |
Net interest margin | 3.0995% | 5,259 |
Noninterest income to average assets | 0.0536% | 6,373 |
Noninterest expense to average assets | 2.5427% | 4,385 |
Loan and lease loss provision to assets | 0.0684% | 2,971 |
Net operating income to assets | 0.2539% | 5,730 |
Return on assets (ROA) | 0.2539% | 5,789 |
Pretax return on assets | 0.4086% | 5,561 |
Return on Equity (ROE) | 2.9866% | 5,542 |
Retained earnings to average equity (ytd only) | 2.9866% | 4,477 |
Net charge-offs to loans | 0.1254% | 2,544 |
Credit loss provision to net charge-offs | 69.0000% | 2,785 |
Earnings coverage of net charge-offs (x) | 4.8100% | 3,377 |
Efficiency ratio | 84.2036% | 1,365 |
Assets per employee ($millions) | 6.3956% | 1,086 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9233% | 5,518 |
Loan loss allowance to noncurrent loans | 91.0028% | 3,886 |
Noncurrent assets plus other real estate owned to assets | 0.7944% | 3,436 |
Noncurrent loans to loans | 1.0146% | 3,042 |
Net loans and leases to total assets | 77.5791% | 1,008 |
Net loans and leases to deposits | 95.0216% | 957 |
Net loans and leases to core deposits | 97.0737% | 1,586 |
Total domestic deposits to total assets | 81.6437% | 4,612 |
Equity capital to assets | 8.6048% | 5,721 |
Core capital (leverage) ratio | 9.0222% | 5,047 |
Tier 1 risk-based capital ratio | 16.7067% | 2,725 |
Total risk-based capital ratio | 17.9515% | 2,680 |
Memoranda: | ||
Average total assets | $134,446,250 | 3,927 |
Average earning assets | $128,662,500 | 3,817 |
Average equity | $11,428,500 | 4,500 |
Average total loans | $106,321,500 | 3,321 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7689% | 4,628 |
Cost of funding earning assets | 0.6530% | 1,487 |
Net interest margin | 3.1158% | 5,210 |
Noninterest income to average assets | 0.0550% | 6,432 |
Noninterest expense to average assets | 2.5741% | 4,338 |
Loan and lease loss provision to assets | 0.0669% | 2,926 |
Net operating income to assets | 0.2424% | 5,732 |
Return on assets (ROA) | 0.2424% | 5,804 |
Pretax return on assets | 0.3941% | 5,582 |
Return on Equity (ROE) | 2.8632% | 5,571 |
Retained earnings to average equity (ytd only) | 2.8632% | 4,380 |
Net charge-offs to loans | 0.1874% | 1,909 |
Credit loss provision to net charge-offs | 45.0000% | 2,864 |
Earnings coverage of net charge-offs (x) | 3.1000% | 3,388 |
Efficiency ratio | 84.8114% | 1,409 |
Assets per employee ($millions) | 6.7070% | 919 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8940% | 5,738 |
Loan loss allowance to noncurrent loans | 45.0738% | 5,352 |
Noncurrent assets plus other real estate owned to assets | 1.5663% | 2,083 |
Noncurrent loans to loans | 1.9834% | 1,700 |
Net loans and leases to total assets | 78.2636% | 883 |
Net loans and leases to deposits | 94.6918% | 908 |
Net loans and leases to core deposits | 96.4890% | 1,564 |
Total domestic deposits to total assets | 82.6508% | 4,431 |
Equity capital to assets | 8.5464% | 5,763 |
Core capital (leverage) ratio | 8.8832% | 5,188 |
Tier 1 risk-based capital ratio | 16.5125% | 2,822 |
Total risk-based capital ratio | 17.7636% | 2,788 |
Memoranda: | ||
Average total assets | $134,492,330 | 3,952 |
Average earning assets | $128,633,330 | 3,843 |
Average equity | $11,385,670 | 4,524 |
Average total loans | $106,706,670 | 3,318 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7856% | 4,548 |
Cost of funding earning assets | 0.6538% | 1,563 |
Net interest margin | 3.1319% | 5,139 |
Noninterest income to average assets | 0.0564% | 6,467 |
Noninterest expense to average assets | 2.5277% | 4,528 |
Loan and lease loss provision to assets | 0.0653% | 2,819 |
Net operating income to assets | 0.2703% | 5,597 |
Return on assets (ROA) | 0.2703% | 5,641 |
Pretax return on assets | 0.4515% | 5,304 |
Return on Equity (ROE) | 3.2080% | 5,384 |
Retained earnings to average equity (ytd only) | 3.2080% | 4,196 |
Net charge-offs to loans | 0.3436% | 1,041 |
Credit loss provision to net charge-offs | 23.9130% | 2,462 |
Earnings coverage of net charge-offs (x) | 1.8913% | 2,998 |
Efficiency ratio | 83.0244% | 1,796 |
Assets per employee ($millions) | 6.7724% | 892 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8785% | 5,931 |
Loan loss allowance to noncurrent loans | 44.2335% | 5,422 |
Noncurrent assets plus other real estate owned to assets | 1.5556% | 2,268 |
Noncurrent loans to loans | 1.9861% | 1,883 |
Net loans and leases to total assets | 77.6355% | 803 |
Net loans and leases to deposits | 94.3831% | 755 |
Net loans and leases to core deposits | 95.9443% | 1,388 |
Total domestic deposits to total assets | 82.2558% | 4,871 |
Equity capital to assets | 8.4107% | 5,738 |
Core capital (leverage) ratio | 8.8026% | 5,265 |
Tier 1 risk-based capital ratio | 15.9252% | 3,203 |
Total risk-based capital ratio | 17.1752% | 3,161 |
Memoranda: | ||
Average total assets | $134,669,000 | 3,983 |
Average earning assets | $128,486,000 | 3,877 |
Average equity | $11,346,500 | 4,532 |
Average total loans | $107,095,500 | 3,316 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7966% | 4,830 |
Cost of funding earning assets | 0.7353% | 1,590 |
Net interest margin | 3.0613% | 5,432 |
Noninterest income to average assets | 0.0626% | 6,515 |
Noninterest expense to average assets | 2.5021% | 4,759 |
Loan and lease loss provision to assets | 0.0663% | 3,800 |
Net operating income to assets | 0.3116% | 5,482 |
Return on assets (ROA) | 0.3116% | 5,578 |
Pretax return on assets | 0.4228% | 5,433 |
Return on Equity (ROE) | 3.9457% | 5,141 |
Retained earnings to average equity (ytd only) | 3.9457% | 3,397 |
Net charge-offs to loans | 0.0837% | 4,041 |
Credit loss provision to net charge-offs | 100.0000% | 2,416 |
Earnings coverage of net charge-offs (x) | 7.3778% | 2,856 |
Efficiency ratio | 83.6493% | 1,668 |
Assets per employee ($millions) | 6.6946% | 901 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9269% | 5,833 |
Loan loss allowance to noncurrent loans | 45.4628% | 5,441 |
Noncurrent assets plus other real estate owned to assets | 1.6461% | 2,243 |
Noncurrent loans to loans | 2.0388% | 1,950 |
Net loans and leases to total assets | 79.9919% | 596 |
Net loans and leases to deposits | 96.2914% | 706 |
Net loans and leases to core deposits | 97.8860% | 1,306 |
Total domestic deposits to total assets | 83.0728% | 4,525 |
Equity capital to assets | 8.4404% | 5,647 |
Core capital (leverage) ratio | 8.7282% | 5,380 |
Tier 1 risk-based capital ratio | 16.3240% | 2,951 |
Total risk-based capital ratio | 17.5751% | 2,908 |
Memoranda: | ||
Average total assets | $135,767,200 | 3,965 |
Average earning assets | $129,880,800 | 3,845 |
Average equity | $10,720,400 | 4,693 |
Average total loans | $107,500,800 | 3,291 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7870% | 4,905 |
Cost of funding earning assets | 0.7480% | 1,615 |
Net interest margin | 3.0390% | 5,491 |
Noninterest income to average assets | 0.0636% | 6,589 |
Noninterest expense to average assets | 2.5220% | 4,649 |
Loan and lease loss provision to assets | 0.0656% | 3,749 |
Net operating income to assets | 0.2310% | 5,834 |
Return on assets (ROA) | 0.2310% | 5,918 |
Pretax return on assets | 0.3787% | 5,685 |
Return on Equity (ROE) | 2.9754% | 5,615 |
Retained earnings to average equity (ytd only) | 2.9754% | 4,547 |
Net charge-offs to loans | 0.0112% | 4,918 |
Credit loss provision to net charge-offs | 744.4444% | 392 |
Earnings coverage of net charge-offs (x) | 50.4433% | 862 |
Efficiency ratio | 85.0214% | 1,470 |
Assets per employee ($millions) | 5.6335% | 1,512 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9713% | 5,835 |
Loan loss allowance to noncurrent loans | 47.9855% | 5,302 |
Noncurrent assets plus other real estate owned to assets | 1.6338% | 2,514 |
Noncurrent loans to loans | 2.0242% | 2,223 |
Net loans and leases to total assets | 79.9297% | 555 |
Net loans and leases to deposits | 96.7667% | 639 |
Net loans and leases to core deposits | 98.1384% | 1,234 |
Total domestic deposits to total assets | 82.6005% | 4,715 |
Equity capital to assets | 7.9065% | 6,210 |
Core capital (leverage) ratio | 8.5435% | 5,732 |
Tier 1 risk-based capital ratio | 15.8480% | 3,273 |
Total risk-based capital ratio | 17.0999% | 3,224 |
Memoranda: | ||
Average total assets | $136,236,250 | 3,991 |
Average earning assets | $130,127,500 | 3,879 |
Average equity | $10,575,250 | 4,778 |
Average total loans | $107,350,000 | 3,322 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8323% | 4,725 |
Cost of funding earning assets | 0.7603% | 1,645 |
Net interest margin | 3.0720% | 5,361 |
Noninterest income to average assets | 0.0630% | 6,627 |
Noninterest expense to average assets | 2.5758% | 4,471 |
Loan and lease loss provision to assets | 0.0659% | 3,711 |
Net operating income to assets | 0.2167% | 5,847 |
Return on assets (ROA) | 0.2167% | 5,980 |
Pretax return on assets | 0.3500% | 5,750 |
Return on Equity (ROE) | 2.8091% | 5,695 |
Retained earnings to average equity (ytd only) | 2.8091% | 4,526 |
Net charge-offs to loans | 0.0169% | 4,503 |
Credit loss provision to net charge-offs | 500.0000% | 543 |
Earnings coverage of net charge-offs (x) | 31.5556% | 1,108 |
Efficiency ratio | 86.0989% | 1,404 |
Assets per employee ($millions) | 6.4291% | 937 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9741% | 5,916 |
Loan loss allowance to noncurrent loans | 49.0548% | 5,245 |
Noncurrent assets plus other real estate owned to assets | 1.5673% | 2,764 |
Noncurrent loans to loans | 1.9858% | 2,417 |
Net loans and leases to total assets | 78.1573% | 735 |
Net loans and leases to deposits | 95.0623% | 732 |
Net loans and leases to core deposits | 96.4182% | 1,315 |
Total domestic deposits to total assets | 82.2170% | 4,973 |
Equity capital to assets | 7.8542% | 6,294 |
Core capital (leverage) ratio | 8.4610% | 5,714 |
Tier 1 risk-based capital ratio | 15.4283% | 3,520 |
Total risk-based capital ratio | 16.6807% | 3,480 |
Memoranda: | ||
Average total assets | $136,580,000 | 4,009 |
Average earning assets | $130,208,670 | 3,901 |
Average equity | $10,537,000 | 4,823 |
Average total loans | $106,757,000 | 3,344 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8384% | 4,685 |
Cost of funding earning assets | 0.7719% | 1,697 |
Net interest margin | 3.0664% | 5,382 |
Noninterest income to average assets | 0.0553% | 6,715 |
Noninterest expense to average assets | 2.4985% | 4,761 |
Loan and lease loss provision to assets | 0.0670% | 3,518 |
Net operating income to assets | 0.2504% | 5,725 |
Return on assets (ROA) | 0.2504% | 5,846 |
Pretax return on assets | 0.4164% | 5,513 |
Return on Equity (ROE) | 3.2751% | 5,450 |
Retained earnings to average equity (ytd only) | 3.2751% | 4,285 |
Net charge-offs to loans | 0.0000% | 4,145 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 83.7891% | 1,795 |
Assets per employee ($millions) | 7.2567% | 684 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9500% | 6,133 |
Loan loss allowance to noncurrent loans | 51.5853% | 5,100 |
Noncurrent assets plus other real estate owned to assets | 1.4411% | 3,100 |
Noncurrent loans to loans | 1.8416% | 2,810 |
Net loans and leases to total assets | 77.5111% | 663 |
Net loans and leases to deposits | 95.0319% | 604 |
Net loans and leases to core deposits | 96.3696% | 1,181 |
Total domestic deposits to total assets | 81.5633% | 5,335 |
Equity capital to assets | 7.6488% | 6,541 |
Core capital (leverage) ratio | 8.3439% | 5,767 |
Tier 1 risk-based capital ratio | 15.2067% | 3,706 |
Total risk-based capital ratio | 16.4583% | 3,650 |
Memoranda: | ||
Average total assets | $137,364,500 | 4,030 |
Average earning assets | $131,097,500 | 3,919 |
Average equity | $10,503,500 | 4,885 |
Average total loans | $106,856,000 | 3,365 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1314% | 4,835 |
Cost of funding earning assets | 0.8661% | 2,175 |
Net interest margin | 3.2654% | 5,376 |
Noninterest income to average assets | 0.0542% | 6,671 |
Noninterest expense to average assets | 2.3603% | 5,526 |
Loan and lease loss provision to assets | 0.0659% | 4,931 |
Net operating income to assets | 0.4379% | 4,936 |
Return on assets (ROA) | 0.4379% | 5,179 |
Pretax return on assets | 0.7426% | 4,505 |
Return on Equity (ROE) | 5.6733% | 4,328 |
Retained earnings to average equity (ytd only) | 5.6733% | 2,268 |
Net charge-offs to loans | 0.1030% | 4,640 |
Credit loss provision to net charge-offs | 84.9057% | 3,666 |
Earnings coverage of net charge-offs (x) | 10.4151% | 2,146 |
Efficiency ratio | 74.4858% | 2,990 |
Assets per employee ($millions) | 7.2027% | 710 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9469% | 6,135 |
Loan loss allowance to noncurrent loans | 56.3872% | 4,815 |
Noncurrent assets plus other real estate owned to assets | 1.2985% | 3,483 |
Noncurrent loans to loans | 1.6793% | 3,103 |
Net loans and leases to total assets | 76.5900% | 842 |
Net loans and leases to deposits | 92.6615% | 857 |
Net loans and leases to core deposits | 93.9581% | 1,472 |
Total domestic deposits to total assets | 82.6557% | 4,869 |
Equity capital to assets | 7.6440% | 6,572 |
Core capital (leverage) ratio | 8.4667% | 5,665 |
Tier 1 risk-based capital ratio | 15.3358% | 3,521 |
Total risk-based capital ratio | 16.5875% | 3,477 |
Memoranda: | ||
Average total assets | $136,549,200 | 4,013 |
Average earning assets | $130,246,000 | 3,888 |
Average equity | $10,540,600 | 4,859 |
Average total loans | $102,919,800 | 3,457 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1907% | 4,849 |
Cost of funding earning assets | 0.8902% | 2,237 |
Net interest margin | 3.3005% | 5,394 |
Noninterest income to average assets | 0.0557% | 6,783 |
Noninterest expense to average assets | 2.3076% | 5,665 |
Loan and lease loss provision to assets | 0.0664% | 4,860 |
Net operating income to assets | 0.4875% | 4,890 |
Return on assets (ROA) | 0.4875% | 5,155 |
Pretax return on assets | 0.8295% | 4,383 |
Return on Equity (ROE) | 6.3001% | 4,176 |
Retained earnings to average equity (ytd only) | 6.3001% | 2,485 |
Net charge-offs to loans | 0.1253% | 4,123 |
Credit loss provision to net charge-offs | 70.8333% | 3,882 |
Earnings coverage of net charge-offs (x) | 9.5519% | 2,309 |
Efficiency ratio | 72.0342% | 3,324 |
Assets per employee ($millions) | 7.4632% | 606 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9990% | 6,090 |
Loan loss allowance to noncurrent loans | 58.2696% | 4,731 |
Noncurrent assets plus other real estate owned to assets | 1.2647% | 3,768 |
Noncurrent loans to loans | 1.7144% | 3,214 |
Net loans and leases to total assets | 73.0344% | 1,384 |
Net loans and leases to deposits | 86.3640% | 1,560 |
Net loans and leases to core deposits | 88.4068% | 2,170 |
Total domestic deposits to total assets | 84.5658% | 3,946 |
Equity capital to assets | 8.0357% | 6,570 |
Core capital (leverage) ratio | 8.4442% | 5,824 |
Tier 1 risk-based capital ratio | 15.4196% | 3,587 |
Total risk-based capital ratio | 16.6714% | 3,538 |
Memoranda: | ||
Average total assets | $136,473,500 | 4,052 |
Average earning assets | $130,157,250 | 3,934 |
Average equity | $10,560,500 | 4,901 |
Average total loans | $102,195,500 | 3,502 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2101% | 4,912 |
Cost of funding earning assets | 0.9091% | 2,324 |
Net interest margin | 3.3009% | 5,438 |
Noninterest income to average assets | 0.0569% | 6,832 |
Noninterest expense to average assets | 2.2189% | 5,951 |
Loan and lease loss provision to assets | 0.0656% | 4,819 |
Net operating income to assets | 0.5350% | 4,656 |
Return on assets (ROA) | 0.5350% | 4,932 |
Pretax return on assets | 0.9272% | 3,974 |
Return on Equity (ROE) | 7.0023% | 3,779 |
Retained earnings to average equity (ytd only) | 7.0023% | 2,102 |
Net charge-offs to loans | 0.1763% | 3,541 |
Credit loss provision to net charge-offs | 49.4505% | 4,047 |
Earnings coverage of net charge-offs (x) | 7.4835% | 2,474 |
Efficiency ratio | 69.0876% | 3,922 |
Assets per employee ($millions) | 7.1533% | 679 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9449% | 6,340 |
Loan loss allowance to noncurrent loans | 55.6701% | 4,837 |
Noncurrent assets plus other real estate owned to assets | 1.2847% | 3,858 |
Noncurrent loans to loans | 1.6972% | 3,352 |
Net loans and leases to total assets | 74.9757% | 1,103 |
Net loans and leases to deposits | 87.0703% | 1,466 |
Net loans and leases to core deposits | 89.7885% | 2,008 |
Total domestic deposits to total assets | 86.1094% | 3,302 |
Equity capital to assets | 7.8463% | 6,654 |
Core capital (leverage) ratio | 8.2502% | 5,993 |
Tier 1 risk-based capital ratio | 15.3741% | 3,523 |
Total risk-based capital ratio | 16.6244% | 3,483 |
Memoranda: | ||
Average total assets | $137,185,330 | 4,051 |
Average earning assets | $131,114,670 | 3,937 |
Average equity | $10,482,330 | 4,914 |
Average total loans | $103,226,330 | 3,492 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2036% | 5,087 |
Cost of funding earning assets | 0.9466% | 2,320 |
Net interest margin | 3.2570% | 5,616 |
Noninterest income to average assets | 0.0580% | 6,902 |
Noninterest expense to average assets | 2.1564% | 6,139 |
Loan and lease loss provision to assets | 0.0668% | 4,577 |
Net operating income to assets | 0.5485% | 4,605 |
Return on assets (ROA) | 0.5485% | 4,817 |
Pretax return on assets | 0.9403% | 3,900 |
Return on Equity (ROE) | 7.2752% | 3,619 |
Retained earnings to average equity (ytd only) | 7.2752% | 2,289 |
Net charge-offs to loans | 0.3752% | 2,181 |
Credit loss provision to net charge-offs | 23.7113% | 3,725 |
Earnings coverage of net charge-offs (x) | 3.5773% | 2,799 |
Efficiency ratio | 68.1651% | 4,139 |
Assets per employee ($millions) | 6.8607% | 809 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9165% | 6,498 |
Loan loss allowance to noncurrent loans | 55.5032% | 4,764 |
Noncurrent assets plus other real estate owned to assets | 1.2382% | 4,069 |
Noncurrent loans to loans | 1.6512% | 3,625 |
Net loans and leases to total assets | 74.2993% | 1,014 |
Net loans and leases to deposits | 86.2374% | 1,391 |
Net loans and leases to core deposits | 88.8963% | 1,965 |
Total domestic deposits to total assets | 86.1567% | 3,437 |
Equity capital to assets | 7.6421% | 6,717 |
Core capital (leverage) ratio | 8.0321% | 6,227 |
Tier 1 risk-based capital ratio | 14.8137% | 3,880 |
Total risk-based capital ratio | 16.0769% | 3,834 |
Memoranda: | ||
Average total assets | $137,822,000 | 4,076 |
Average earning assets | $131,411,000 | 3,957 |
Average equity | $10,391,500 | 4,945 |
Average total loans | $103,403,000 | 3,516 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5809% | 4,750 |
Cost of funding earning assets | 1.1525% | 2,338 |
Net interest margin | 3.4285% | 5,394 |
Noninterest income to average assets | 0.0547% | 6,814 |
Noninterest expense to average assets | 2.2665% | 6,128 |
Loan and lease loss provision to assets | 0.0741% | 5,686 |
Net operating income to assets | 0.4863% | 4,485 |
Return on assets (ROA) | 0.4863% | 4,691 |
Pretax return on assets | 1.0051% | 3,230 |
Return on Equity (ROE) | 7.1596% | 3,331 |
Retained earnings to average equity (ytd only) | 7.1596% | 1,425 |
Net charge-offs to loans | 0.0065% | 6,340 |
Credit loss provision to net charge-offs | 1,528.5714% | 146 |
Earnings coverage of net charge-offs (x) | 222.5714% | 152 |
Efficiency ratio | 67.7433% | 4,410 |
Assets per employee ($millions) | 6.9215% | 762 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9797% | 6,302 |
Loan loss allowance to noncurrent loans | 57.9067% | 4,613 |
Noncurrent assets plus other real estate owned to assets | 1.2700% | 4,102 |
Noncurrent loans to loans | 1.6918% | 3,625 |
Net loans and leases to total assets | 74.3307% | 1,209 |
Net loans and leases to deposits | 86.1638% | 1,649 |
Net loans and leases to core deposits | 89.0450% | 2,244 |
Total domestic deposits to total assets | 86.2667% | 3,158 |
Equity capital to assets | 7.4384% | 6,839 |
Core capital (leverage) ratio | 7.7624% | 6,480 |
Tier 1 risk-based capital ratio | 14.2542% | 4,143 |
Total risk-based capital ratio | 15.5054% | 4,103 |
Memoranda: | ||
Average total assets | $144,366,600 | 3,904 |
Average earning assets | $138,574,200 | 3,772 |
Average equity | $9,805,000 | 5,071 |
Average total loans | $107,862,200 | 3,434 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5793% | 4,951 |
Cost of funding earning assets | 1.1940% | 2,356 |
Net interest margin | 3.3853% | 5,621 |
Noninterest income to average assets | 0.0576% | 6,925 |
Noninterest expense to average assets | 2.1793% | 6,322 |
Loan and lease loss provision to assets | 0.0768% | 5,484 |
Net operating income to assets | 0.5805% | 4,174 |
Return on assets (ROA) | 0.5805% | 4,354 |
Pretax return on assets | 1.0568% | 3,183 |
Return on Equity (ROE) | 8.7446% | 2,709 |
Retained earnings to average equity (ytd only) | 8.7446% | 1,234 |
Net charge-offs to loans | 0.0086% | 6,042 |
Credit loss provision to net charge-offs | 1,200.0000% | 226 |
Earnings coverage of net charge-offs (x) | 177.2015% | 216 |
Efficiency ratio | 65.7837% | 4,754 |
Assets per employee ($millions) | 6.7842% | 825 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9211% | 6,529 |
Loan loss allowance to noncurrent loans | 51.9040% | 4,889 |
Noncurrent assets plus other real estate owned to assets | 1.3456% | 4,124 |
Noncurrent loans to loans | 1.7746% | 3,673 |
Net loans and leases to total assets | 75.1242% | 1,123 |
Net loans and leases to deposits | 85.5567% | 1,744 |
Net loans and leases to core deposits | 88.2880% | 2,450 |
Total domestic deposits to total assets | 87.8064% | 2,165 |
Equity capital to assets | 7.0219% | 7,052 |
Core capital (leverage) ratio | 7.4613% | 6,785 |
Tier 1 risk-based capital ratio | 14.1157% | 4,268 |
Total risk-based capital ratio | 15.3660% | 4,241 |
Memoranda: | ||
Average total assets | $145,850,750 | 3,896 |
Average earning assets | $140,250,500 | 3,760 |
Average equity | $9,682,000 | 5,132 |
Average total loans | $108,849,250 | 3,441 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5665% | 5,113 |
Cost of funding earning assets | 1.2191% | 2,447 |
Net interest margin | 3.3473% | 5,716 |
Noninterest income to average assets | 0.0640% | 6,982 |
Noninterest expense to average assets | 2.2017% | 6,382 |
Loan and lease loss provision to assets | 0.0844% | 5,259 |
Net operating income to assets | 0.5293% | 4,379 |
Return on assets (ROA) | 0.5293% | 4,524 |
Pretax return on assets | 0.9947% | 3,258 |
Return on Equity (ROE) | 8.1256% | 2,891 |
Retained earnings to average equity (ytd only) | 8.1256% | 1,415 |
Net charge-offs to loans | 0.0128% | 5,670 |
Credit loss provision to net charge-offs | 885.7143% | 363 |
Earnings coverage of net charge-offs (x) | 113.2857% | 317 |
Efficiency ratio | 67.1091% | 4,682 |
Assets per employee ($millions) | 7.3707% | 608 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8779% | 6,716 |
Loan loss allowance to noncurrent loans | 57.2690% | 4,599 |
Noncurrent assets plus other real estate owned to assets | 1.1525% | 4,578 |
Noncurrent loans to loans | 1.5329% | 4,114 |
Net loans and leases to total assets | 74.5267% | 1,321 |
Net loans and leases to deposits | 84.6056% | 2,016 |
Net loans and leases to core deposits | 87.2191% | 2,735 |
Total domestic deposits to total assets | 88.0872% | 2,090 |
Equity capital to assets | 6.6195% | 7,167 |
Core capital (leverage) ratio | 7.1888% | 6,926 |
Tier 1 risk-based capital ratio | 13.3294% | 4,664 |
Total risk-based capital ratio | 14.5591% | 4,659 |
Memoranda: | ||
Average total assets | $146,978,330 | 3,900 |
Average earning assets | $141,246,670 | 3,772 |
Average equity | $9,574,670 | 5,164 |
Average total loans | $109,124,670 | 3,478 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5763% | 5,046 |
Cost of funding earning assets | 1.2262% | 2,649 |
Net interest margin | 3.3501% | 5,609 |
Noninterest income to average assets | 0.0436% | 7,166 |
Noninterest expense to average assets | 2.1668% | 6,498 |
Loan and lease loss provision to assets | 0.0409% | 5,480 |
Net operating income to assets | 0.6350% | 3,836 |
Return on assets (ROA) | 0.6350% | 3,909 |
Pretax return on assets | 1.0602% | 2,900 |
Return on Equity (ROE) | 9.8281% | 2,159 |
Retained earnings to average equity (ytd only) | 9.8281% | 1,154 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 66.3053% | 4,986 |
Assets per employee ($millions) | 7.3185% | 630 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8509% | 6,820 |
Loan loss allowance to noncurrent loans | 50.6790% | 4,969 |
Noncurrent assets plus other real estate owned to assets | 1.2578% | 4,433 |
Noncurrent loans to loans | 1.6789% | 3,966 |
Net loans and leases to total assets | 74.2789% | 1,306 |
Net loans and leases to deposits | 83.3553% | 2,126 |
Net loans and leases to core deposits | 85.9116% | 2,884 |
Total domestic deposits to total assets | 89.1112% | 1,702 |
Equity capital to assets | 6.5587% | 7,194 |
Core capital (leverage) ratio | 7.1385% | 6,945 |
Tier 1 risk-based capital ratio | 13.3090% | 4,570 |
Total risk-based capital ratio | 14.5040% | 4,596 |
Memoranda: | ||
Average total assets | $146,761,000 | 3,938 |
Average earning assets | $141,250,500 | 3,798 |
Average equity | $9,483,000 | 5,183 |
Average total loans | $108,269,500 | 3,535 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9548% | 4,766 |
Cost of funding earning assets | 1.5698% | 2,244 |
Net interest margin | 3.3849% | 5,685 |
Noninterest income to average assets | 0.0417% | 7,150 |
Noninterest expense to average assets | 2.1673% | 6,701 |
Loan and lease loss provision to assets | 0.0962% | 6,184 |
Net operating income to assets | 0.6700% | 3,345 |
Return on assets (ROA) | 0.6700% | 3,489 |
Pretax return on assets | 1.0272% | 2,847 |
Return on Equity (ROE) | 11.0654% | 1,567 |
Retained earnings to average equity (ytd only) | 11.0654% | 374 |
Net charge-offs to loans | 0.0000% | 6,850 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.8626% | 4,995 |
Assets per employee ($millions) | 7.3576% | 630 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8589% | 6,834 |
Loan loss allowance to noncurrent loans | 56.6667% | 4,617 |
Noncurrent assets plus other real estate owned to assets | 1.1009% | 4,814 |
Noncurrent loans to loans | 1.5157% | 4,211 |
Net loans and leases to total assets | 72.0113% | 2,108 |
Net loans and leases to deposits | 81.8934% | 2,828 |
Net loans and leases to core deposits | 84.4317% | 3,537 |
Total domestic deposits to total assets | 87.9329% | 2,290 |
Equity capital to assets | 6.3648% | 7,280 |
Core capital (leverage) ratio | 6.7838% | 7,113 |
Tier 1 risk-based capital ratio | 12.6438% | 4,904 |
Total risk-based capital ratio | 13.7864% | 4,983 |
Memoranda: | ||
Average total assets | $148,663,000 | 3,896 |
Average earning assets | $142,691,200 | 3,765 |
Average equity | $9,001,000 | 5,428 |
Average total loans | $106,059,800 | 3,622 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0018% | 4,807 |
Cost of funding earning assets | 1.6200% | 2,278 |
Net interest margin | 3.3818% | 5,745 |
Noninterest income to average assets | 0.0394% | 7,326 |
Noninterest expense to average assets | 2.1166% | 6,813 |
Loan and lease loss provision to assets | 0.1145% | 5,887 |
Net operating income to assets | 0.6978% | 3,420 |
Return on assets (ROA) | 0.6978% | 3,580 |
Pretax return on assets | 1.0502% | 2,997 |
Return on Equity (ROE) | 11.6723% | 1,599 |
Retained earnings to average equity (ytd only) | 11.6723% | 500 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 64.5038% | 5,154 |
Assets per employee ($millions) | 7.3853% | 655 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.8419% | 6,910 |
Loan loss allowance to noncurrent loans | 51.1905% | 4,875 |
Noncurrent assets plus other real estate owned to assets | 1.1943% | 4,752 |
Noncurrent loans to loans | 1.6447% | 4,178 |
Net loans and leases to total assets | 72.0030% | 2,248 |
Net loans and leases to deposits | 80.6644% | 3,329 |
Net loans and leases to core deposits | 83.2625% | 4,057 |
Total domestic deposits to total assets | 89.2624% | 1,247 |
Equity capital to assets | 6.2841% | 7,450 |
Core capital (leverage) ratio | 6.7288% | 7,277 |
Tier 1 risk-based capital ratio | 12.5211% | 4,958 |
Total risk-based capital ratio | 13.6583% | 5,041 |
Memoranda: | ||
Average total assets | $149,040,750 | 3,939 |
Average earning assets | $142,877,500 | 3,816 |
Average equity | $8,909,750 | 5,519 |
Average total loans | $105,853,750 | 3,685 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9571% | 5,145 |
Cost of funding earning assets | 1.6784% | 2,236 |
Net interest margin | 3.2787% | 6,084 |
Noninterest income to average assets | 0.0428% | 7,367 |
Noninterest expense to average assets | 2.0885% | 6,944 |
Loan and lease loss provision to assets | 0.0361% | 6,595 |
Net operating income to assets | 0.6997% | 3,409 |
Return on assets (ROA) | 0.6997% | 3,564 |
Pretax return on assets | 1.0650% | 2,887 |
Return on Equity (ROE) | 11.9058% | 1,477 |
Retained earnings to average equity (ytd only) | 11.9058% | 508 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.4782% | 5,069 |
Assets per employee ($millions) | 7.4693% | 628 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7471% | 7,158 |
Loan loss allowance to noncurrent loans | 110.9267% | 2,508 |
Noncurrent assets plus other real estate owned to assets | 0.4840% | 6,241 |
Noncurrent loans to loans | 0.6735% | 5,906 |
Net loans and leases to total assets | 71.3219% | 2,586 |
Net loans and leases to deposits | 79.6098% | 3,666 |
Net loans and leases to core deposits | 82.1637% | 4,392 |
Total domestic deposits to total assets | 89.5894% | 1,133 |
Equity capital to assets | 6.0421% | 7,532 |
Core capital (leverage) ratio | 6.4748% | 7,388 |
Tier 1 risk-based capital ratio | 12.1614% | 5,162 |
Total risk-based capital ratio | 13.1685% | 5,357 |
Memoranda: | ||
Average total assets | $149,486,000 | 3,960 |
Average earning assets | $143,472,330 | 3,828 |
Average equity | $8,785,670 | 5,566 |
Average total loans | $105,386,670 | 3,733 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.9639% | 5,179 |
Cost of funding earning assets | 1.7393% | 2,186 |
Net interest margin | 3.2246% | 6,214 |
Noninterest income to average assets | 0.0562% | 7,433 |
Noninterest expense to average assets | 2.0544% | 7,050 |
Loan and lease loss provision to assets | 0.0321% | 6,352 |
Net operating income to assets | 0.6206% | 3,800 |
Return on assets (ROA) | 0.6206% | 3,935 |
Pretax return on assets | 1.0593% | 2,878 |
Return on Equity (ROE) | 10.7091% | 1,868 |
Retained earnings to average equity (ytd only) | 10.7091% | 983 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 65.3061% | 5,251 |
Assets per employee ($millions) | 7.4935% | 650 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7446% | 7,260 |
Loan loss allowance to noncurrent loans | 90.4598% | 3,046 |
Noncurrent assets plus other real estate owned to assets | 0.5805% | 6,058 |
Noncurrent loans to loans | 0.8232% | 5,665 |
Net loans and leases to total assets | 69.9958% | 2,943 |
Net loans and leases to deposits | 78.1830% | 4,009 |
Net loans and leases to core deposits | 80.6858% | 4,675 |
Total domestic deposits to total assets | 89.5282% | 1,225 |
Equity capital to assets | 5.8611% | 7,638 |
Core capital (leverage) ratio | 6.3324% | 7,520 |
Tier 1 risk-based capital ratio | 11.8235% | 5,374 |
Total risk-based capital ratio | 12.8140% | 5,589 |
Memoranda: | ||
Average total assets | $149,536,000 | 4,015 |
Average earning assets | $143,274,500 | 3,881 |
Average equity | $8,665,500 | 5,642 |
Average total loans | $104,406,500 | 3,813 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3274% | 5,042 |
Cost of funding earning assets | 2.5090% | 1,007 |
Net interest margin | 2.8183% | 7,031 |
Noninterest income to average assets | 0.0595% | 7,460 |
Noninterest expense to average assets | 2.1306% | 7,122 |
Loan and lease loss provision to assets | 0.0234% | 7,272 |
Net operating income to assets | 0.3921% | 4,157 |
Return on assets (ROA) | 0.3921% | 4,255 |
Pretax return on assets | 0.6144% | 3,867 |
Return on Equity (ROE) | 6.4829% | 2,999 |
Retained earnings to average equity (ytd only) | 6.4829% | 1,155 |
Net charge-offs to loans | 0.0000% | 7,246 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 76.9624% | 3,365 |
Assets per employee ($millions) | 7.4602% | 660 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7515% | 7,263 |
Loan loss allowance to noncurrent loans | 84.6995% | 3,270 |
Noncurrent assets plus other real estate owned to assets | 0.6133% | 5,914 |
Noncurrent loans to loans | 0.8873% | 5,529 |
Net loans and leases to total assets | 68.5971% | 3,569 |
Net loans and leases to deposits | 76.4152% | 4,668 |
Net loans and leases to core deposits | 92.8976% | 4,794 |
Total domestic deposits to total assets | 89.7690% | 1,069 |
Equity capital to assets | 5.7284% | 7,705 |
Core capital (leverage) ratio | 6.1002% | 7,612 |
Tier 1 risk-based capital ratio | 11.7175% | 5,178 |
Total risk-based capital ratio | 12.7086% | 5,404 |
Memoranda: | ||
Average total assets | $141,274,800 | 4,095 |
Average earning assets | $135,789,200 | 3,981 |
Average equity | $8,545,600 | 5,751 |
Average total loans | $101,803,600 | 3,900 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.3719% | 5,084 |
Cost of funding earning assets | 2.6357% | 939 |
Net interest margin | 2.7362% | 7,156 |
Noninterest income to average assets | 0.0584% | 7,611 |
Noninterest expense to average assets | 2.1202% | 7,153 |
Loan and lease loss provision to assets | 0.0230% | 7,125 |
Net operating income to assets | 0.3723% | 4,508 |
Return on assets (ROA) | 0.3723% | 4,613 |
Pretax return on assets | 0.5466% | 4,370 |
Return on Equity (ROE) | 6.0695% | 3,498 |
Retained earnings to average equity (ytd only) | 6.0695% | 1,915 |
Net charge-offs to loans | 0.0000% | 6,987 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 78.8256% | 3,026 |
Assets per employee ($millions) | 7.5221% | 627 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7363% | 7,294 |
Loan loss allowance to noncurrent loans | 77.9247% | 3,507 |
Noncurrent assets plus other real estate owned to assets | 0.6878% | 5,764 |
Noncurrent loans to loans | 0.9449% | 5,410 |
Net loans and leases to total assets | 72.2516% | 2,971 |
Net loans and leases to deposits | 81.3055% | 4,151 |
Net loans and leases to core deposits | 99.5450% | 4,425 |
Total domestic deposits to total assets | 88.8644% | 1,263 |
Equity capital to assets | 6.1370% | 7,829 |
Core capital (leverage) ratio | 6.3686% | 7,717 |
Tier 1 risk-based capital ratio | 12.0647% | 4,915 |
Total risk-based capital ratio | 13.0896% | 5,055 |
Memoranda: | ||
Average total assets | $139,292,750 | 4,153 |
Average earning assets | $133,953,750 | 4,040 |
Average equity | $8,545,250 | 5,810 |
Average total loans | $101,473,500 | 3,948 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4581% | 4,856 |
Cost of funding earning assets | 2.8044% | 780 |
Net interest margin | 2.6537% | 7,295 |
Noninterest income to average assets | 0.0536% | 7,724 |
Noninterest expense to average assets | 2.1871% | 7,090 |
Loan and lease loss provision to assets | 0.0217% | 7,013 |
Net operating income to assets | 0.2680% | 5,022 |
Return on assets (ROA) | 0.2680% | 5,117 |
Pretax return on assets | 0.3940% | 4,954 |
Return on Equity (ROE) | 4.3684% | 4,354 |
Retained earnings to average equity (ytd only) | 4.3684% | 2,870 |
Net charge-offs to loans | 0.0000% | 6,628 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 84.0289% | 2,468 |
Assets per employee ($millions) | 7.3155% | 668 |
Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7421% | 7,324 |
Loan loss allowance to noncurrent loans | 76.1569% | 3,661 |
Noncurrent assets plus other real estate owned to assets | 0.7151% | 5,620 |
Noncurrent loans to loans | 0.9745% | 5,267 |
Net loans and leases to total assets | 72.8442% | 2,993 |
Net loans and leases to deposits | 82.0940% | 4,211 |
Net loans and leases to core deposits | 101.6311% | 4,323 |
Total domestic deposits to total assets | 88.7326% | 1,413 |
Equity capital to assets | 6.1621% | 7,898 |
Core capital (leverage) ratio | 6.2783% | 7,860 |
Tier 1 risk-based capital ratio | 12.0027% | 4,913 |
Total risk-based capital ratio | 13.0337% | 5,034 |
Memoranda: | ||
Average total assets | $138,083,670 | 4,216 |
Average earning assets | $132,647,000 | 4,091 |
Average equity | $8,470,000 | 5,856 |
Average total loans | $100,622,000 | 3,996 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.4324% | 5,263 |
Cost of funding earning assets | 2.9359% | 707 |
Net interest margin | 2.4965% | 7,505 |
Noninterest income to average assets | 0.0494% | 7,834 |
Noninterest expense to average assets | 2.0170% | 7,316 |
Loan and lease loss provision to assets | 0.0203% | 6,640 |
Net operating income to assets | 0.2819% | 5,362 |
Return on assets (ROA) | 0.2819% | 5,531 |
Pretax return on assets | 0.4069% | 5,376 |
Return on Equity (ROE) | 4.6067% | 4,657 |
Retained earnings to average equity (ytd only) | 4.6067% | 3,364 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 82.5208% | 2,476 |
Assets per employee ($millions) | 7.4180% | 645 |
Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7552% | 7,298 |
Loan loss allowance to noncurrent loans | 224.9249% | 1,490 |
Noncurrent assets plus other real estate owned to assets | 0.2363% | 6,807 |
Noncurrent loans to loans | 0.3358% | 6,589 |
Net loans and leases to total assets | 69.8379% | 3,710 |
Net loans and leases to deposits | 81.0318% | 4,445 |
Net loans and leases to core deposits | 100.8711% | 4,452 |
Total domestic deposits to total assets | 86.1858% | 2,621 |
Equity capital to assets | 6.0131% | 7,996 |
Core capital (leverage) ratio | 6.3544% | 7,923 |
Tier 1 risk-based capital ratio | 11.4348% | 5,473 |
Total risk-based capital ratio | 12.4165% | 5,658 |
Memoranda: | ||
Average total assets | $137,628,500 | 4,237 |
Average earning assets | $132,022,500 | 4,106 |
Average equity | $8,422,500 | 5,911 |
Average total loans | $99,930,000 | 4,031 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5778% | 7,138 |
Cost of funding earning assets | 3.2292% | 1,100 |
Net interest margin | 2.3486% | 7,886 |
Noninterest income to average assets | 0.0622% | 7,837 |
Noninterest expense to average assets | 2.0180% | 7,407 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 0.2039% | 5,837 |
Return on assets (ROA) | 0.2039% | 5,656 |
Pretax return on assets | 0.2944% | 5,522 |
Return on Equity (ROE) | 3.1489% | 5,176 |
Retained earnings to average equity (ytd only) | 3.1489% | 3,194 |
Net charge-offs to loans | 0.0055% | 6,895 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | 74.8000% | 546 |
Efficiency ratio | 87.2703% | 1,742 |
Assets per employee ($millions) | 7.0692% | 684 |
Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.7370% | 7,337 |
Loan loss allowance to noncurrent loans | 436.4706% | 968 |
Noncurrent assets plus other real estate owned to assets | 0.1266% | 7,074 |
Noncurrent loans to loans | 0.1689% | 6,885 |
Net loans and leases to total assets | 74.4057% | 3,009 |
Net loans and leases to deposits | 90.1244% | 3,434 |
Net loans and leases to core deposits | 108.7607% | 3,887 |
Total domestic deposits to total assets | 82.5589% | 3,974 |
Equity capital to assets | 6.2316% | 8,009 |
Core capital (leverage) ratio | 6.3950% | 7,964 |
Tier 1 risk-based capital ratio | 11.9268% | 4,882 |
Total risk-based capital ratio | 12.9525% | 4,955 |
Memoranda: | ||
Average total assets | $127,054,000 | 4,351 |
Average earning assets | $121,731,600 | 4,219 |
Average equity | $8,225,200 | 5,996 |
Average total loans | $91,121,200 | 4,189 |