Home > Bank of Cairo and Moberly > Performance and Condition Ratios
Bank of Cairo and Moberly, Performance and Condition Ratios
2019-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2558% | 3,794 |
Cost of funding earning assets | 0.3804% | 4,561 |
Net interest margin | 3.8755% | 2,345 |
Noninterest income to average assets | 1.0919% | 767 |
Noninterest expense to average assets | 2.9246% | 2,184 |
Loan and lease loss provision to assets | 0.0000% | 3,836 |
Net operating income to assets | 1.2867% | 1,901 |
Return on assets (ROA) | 1.2867% | 1,986 |
Pretax return on assets | 1.6685% | 1,423 |
Return on Equity (ROE) | 7.1653% | 3,619 |
Retained earnings to average equity (ytd only) | -16.8820% | 5,196 |
Net charge-offs to loans | -0.0025% | 4,084 |
Credit loss provision to net charge-offs | 0.0000% | 3,032 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 63.6741% | 3,071 |
Assets per employee ($millions) | 4.3939% | 3,346 |
Cash dividends to net income (ytd only)* | 335.6076% | 29 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1001% | 3,028 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
Noncurrent loans to loans | 0.0000% | 4,706 |
Net loans and leases to total assets | 49.2736% | 4,466 |
Net loans and leases to deposits | 59.2493% | 4,415 |
Net loans and leases to core deposits | 59.8057% | 4,542 |
Total domestic deposits to total assets | 83.1633% | 3,102 |
Equity capital to assets | 16.7201% | 516 |
Core capital (leverage) ratio | 17.0747% | 431 |
Tier 1 risk-based capital ratio | 22.1719% | 1,045 |
Total risk-based capital ratio | 22.8987% | 1,090 |
Memoranda: | ||
Average total assets | $104,764,000 | 3,965 |
Average earning assets | $94,644,250 | 4,005 |
Average equity | $18,812,500 | 3,268 |
Average total loans | $52,309,500 | 4,180 |
2019-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.2238% | 3,863 |
Cost of funding earning assets | 0.3865% | 4,557 |
Net interest margin | 3.8373% | 2,448 |
Noninterest income to average assets | 0.9968% | 878 |
Noninterest expense to average assets | 2.6900% | 2,940 |
Loan and lease loss provision to assets | 0.0000% | 3,685 |
Net operating income to assets | 1.5076% | 1,127 |
Return on assets (ROA) | 1.5076% | 1,179 |
Pretax return on assets | 1.7832% | 1,079 |
Return on Equity (ROE) | 8.2058% | 3,200 |
Retained earnings to average equity (ytd only) | -25.7003% | 5,263 |
Net charge-offs to loans | -0.0038% | 4,070 |
Credit loss provision to net charge-offs | 0.0000% | 2,725 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 60.1369% | 3,708 |
Assets per employee ($millions) | 4.0696% | 3,776 |
Cash dividends to net income (ytd only)* | 413.1980% | 26 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1150% | 2,993 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
Noncurrent loans to loans | 0.0000% | 4,745 |
Net loans and leases to total assets | 50.3828% | 4,451 |
Net loans and leases to deposits | 61.7385% | 4,340 |
Net loans and leases to core deposits | 62.1246% | 4,496 |
Total domestic deposits to total assets | 81.6069% | 3,635 |
Equity capital to assets | 17.2313% | 446 |
Core capital (leverage) ratio | 16.8433% | 449 |
Tier 1 risk-based capital ratio | 22.4293% | 1,005 |
Total risk-based capital ratio | 23.1682% | 1,040 |
Memoranda: | ||
Average total assets | $104,534,000 | 3,992 |
Average earning assets | $94,702,000 | 4,023 |
Average equity | $19,206,000 | 3,231 |
Average total loans | $52,233,000 | 4,213 |
2019-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.1380% | 4,036 |
Cost of funding earning assets | 0.3953% | 4,502 |
Net interest margin | 3.7428% | 2,735 |
Noninterest income to average assets | 0.9629% | 894 |
Noninterest expense to average assets | 2.7036% | 2,896 |
Loan and lease loss provision to assets | 0.0000% | 3,406 |
Net operating income to assets | 1.4047% | 1,365 |
Return on assets (ROA) | 1.4047% | 1,391 |
Pretax return on assets | 1.6917% | 1,235 |
Return on Equity (ROE) | 7.4239% | 3,489 |
Retained earnings to average equity (ytd only) | 4.8894% | 2,952 |
Net charge-offs to loans | 0.0000% | 2,740 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 61.5120% | 3,607 |
Assets per employee ($millions) | 4.2317% | 3,579 |
Cash dividends to net income (ytd only)* | 34.1398% | 2,104 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1394% | 2,910 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
Noncurrent loans to loans | 0.0000% | 4,814 |
Net loans and leases to total assets | 47.3221% | 4,611 |
Net loans and leases to deposits | 59.2939% | 4,451 |
Net loans and leases to core deposits | 59.6578% | 4,580 |
Total domestic deposits to total assets | 79.8094% | 4,202 |
Equity capital to assets | 19.0960% | 279 |
Core capital (leverage) ratio | 18.9652% | 280 |
Tier 1 risk-based capital ratio | 25.8802% | 695 |
Total risk-based capital ratio | 26.6173% | 714 |
Memoranda: | ||
Average total assets | $105,931,500 | 4,006 |
Average earning assets | $97,147,500 | 4,027 |
Average equity | $20,043,500 | 3,157 |
Average total loans | $52,431,000 | 4,255 |
2018-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9919% | 4,053 |
Cost of funding earning assets | 0.2396% | 4,854 |
Net interest margin | 3.7523% | 2,846 |
Noninterest income to average assets | 0.8904% | 1,198 |
Noninterest expense to average assets | 2.4596% | 3,732 |
Loan and lease loss provision to assets | 0.0000% | 4,082 |
Net operating income to assets | 1.6376% | 797 |
Return on assets (ROA) | 1.6243% | 818 |
Pretax return on assets | 1.8492% | 812 |
Return on Equity (ROE) | 8.9663% | 3,013 |
Retained earnings to average equity (ytd only) | 6.2832% | 2,046 |
Net charge-offs to loans | -0.0054% | 4,368 |
Credit loss provision to net charge-offs | 0.0000% | 3,452 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.8825% | 4,295 |
Assets per employee ($millions) | 4.0797% | 3,775 |
Cash dividends to net income (ytd only)* | 29.9240% | 3,048 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0641% | 3,301 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
Noncurrent loans to loans | 0.0000% | 4,837 |
Net loans and leases to total assets | 50.5746% | 4,488 |
Net loans and leases to deposits | 63.1601% | 4,304 |
Net loans and leases to core deposits | 63.5454% | 4,468 |
Total domestic deposits to total assets | 80.0737% | 4,090 |
Equity capital to assets | 18.7469% | 286 |
Core capital (leverage) ratio | 18.5515% | 289 |
Tier 1 risk-based capital ratio | 25.2151% | 727 |
Total risk-based capital ratio | 25.9420% | 751 |
Memoranda: | ||
Average total assets | $105,340,400 | 4,012 |
Average earning assets | $96,394,200 | 4,029 |
Average equity | $19,082,600 | 3,174 |
Average total loans | $55,983,400 | 4,186 |
2018-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.9342% | 4,122 |
Cost of funding earning assets | 0.2013% | 5,016 |
Net interest margin | 3.7329% | 2,888 |
Noninterest income to average assets | 0.8964% | 1,214 |
Noninterest expense to average assets | 2.4293% | 3,787 |
Loan and lease loss provision to assets | 0.0000% | 3,948 |
Net operating income to assets | 1.6203% | 928 |
Return on assets (ROA) | 1.6039% | 957 |
Pretax return on assets | 1.8575% | 891 |
Return on Equity (ROE) | 8.9324% | 3,119 |
Retained earnings to average equity (ytd only) | 6.2280% | 2,537 |
Net charge-offs to loans | -0.0047% | 4,216 |
Credit loss provision to net charge-offs | 0.0000% | 3,085 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 56.4193% | 4,326 |
Assets per employee ($millions) | 4.3400% | 3,374 |
Cash dividends to net income (ytd only)* | 30.2765% | 2,532 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0469% | 3,487 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
Noncurrent loans to loans | 0.0000% | 4,954 |
Net loans and leases to total assets | 54.5396% | 4,326 |
Net loans and leases to deposits | 68.9261% | 3,992 |
Net loans and leases to core deposits | 69.6786% | 4,215 |
Total domestic deposits to total assets | 79.1276% | 4,296 |
Equity capital to assets | 19.5450% | 250 |
Core capital (leverage) ratio | 19.6868% | 247 |
Tier 1 risk-based capital ratio | 25.0311% | 752 |
Total risk-based capital ratio | 25.7631% | 776 |
Memoranda: | ||
Average total assets | $105,157,750 | 4,052 |
Average earning assets | $96,045,000 | 4,076 |
Average equity | $18,882,000 | 3,215 |
Average total loans | $56,423,750 | 4,222 |
2018-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8231% | 4,295 |
Cost of funding earning assets | 0.1881% | 5,084 |
Net interest margin | 3.6350% | 3,181 |
Noninterest income to average assets | 0.8510% | 1,319 |
Noninterest expense to average assets | 2.3808% | 3,945 |
Loan and lease loss provision to assets | 0.0000% | 3,782 |
Net operating income to assets | 1.5606% | 1,008 |
Return on assets (ROA) | 1.5411% | 1,058 |
Pretax return on assets | 1.7730% | 1,027 |
Return on Equity (ROE) | 8.8257% | 3,102 |
Retained earnings to average equity (ytd only) | 6.0838% | 2,505 |
Net charge-offs to loans | -0.0035% | 4,037 |
Credit loss provision to net charge-offs | 0.0000% | 2,759 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.0085% | 4,359 |
Assets per employee ($millions) | 4.1825% | 3,606 |
Cash dividends to net income (ytd only)* | 31.0680% | 2,537 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0262% | 3,673 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
Noncurrent loans to loans | 0.0000% | 4,980 |
Net loans and leases to total assets | 55.2481% | 4,223 |
Net loans and leases to deposits | 69.1565% | 3,933 |
Net loans and leases to core deposits | 69.9000% | 4,150 |
Total domestic deposits to total assets | 79.8884% | 4,257 |
Equity capital to assets | 18.8484% | 273 |
Core capital (leverage) ratio | 18.1269% | 309 |
Tier 1 risk-based capital ratio | 24.4168% | 799 |
Total risk-based capital ratio | 25.1411% | 813 |
Memoranda: | ||
Average total assets | $106,936,670 | 4,068 |
Average earning assets | $97,827,000 | 4,081 |
Average equity | $18,672,670 | 3,254 |
Average total loans | $56,892,330 | 4,249 |
2018-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6178% | 4,666 |
Cost of funding earning assets | 0.1730% | 5,145 |
Net interest margin | 3.4448% | 3,722 |
Noninterest income to average assets | 0.6932% | 1,860 |
Noninterest expense to average assets | 2.2501% | 4,293 |
Loan and lease loss provision to assets | 0.0000% | 3,508 |
Net operating income to assets | 1.4437% | 1,213 |
Return on assets (ROA) | 1.4372% | 1,240 |
Pretax return on assets | 1.6150% | 1,347 |
Return on Equity (ROE) | 8.5395% | 3,136 |
Retained earnings to average equity (ytd only) | 5.7793% | 2,820 |
Net charge-offs to loans | 0.0000% | 2,722 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.1068% | 4,323 |
Assets per employee ($millions) | 4.8786% | 2,634 |
Cash dividends to net income (ytd only)* | 32.3232% | 2,084 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0088% | 3,901 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
Noncurrent loans to loans | 0.0000% | 5,035 |
Net loans and leases to total assets | 50.2001% | 4,543 |
Net loans and leases to deposits | 61.0390% | 4,396 |
Net loans and leases to core deposits | 61.6064% | 4,575 |
Total domestic deposits to total assets | 82.2426% | 3,886 |
Equity capital to assets | 16.5979% | 428 |
Core capital (leverage) ratio | 17.3305% | 353 |
Tier 1 risk-based capital ratio | 23.1417% | 928 |
Total risk-based capital ratio | 23.8377% | 964 |
Memoranda: | ||
Average total assets | $110,215,000 | 4,059 |
Average earning assets | $101,720,000 | 4,070 |
Average equity | $18,549,000 | 3,300 |
Average total loans | $57,322,000 | 4,272 |
2017-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6789% | 4,386 |
Cost of funding earning assets | 0.1426% | 5,305 |
Net interest margin | 3.5363% | 3,395 |
Noninterest income to average assets | 0.8076% | 1,540 |
Noninterest expense to average assets | 2.4237% | 4,008 |
Loan and lease loss provision to assets | 0.2715% | 661 |
Net operating income to assets | 0.8429% | 2,982 |
Return on assets (ROA) | 0.8688% | 2,893 |
Pretax return on assets | 1.3841% | 2,040 |
Return on Equity (ROE) | 4.7651% | 4,262 |
Retained earnings to average equity (ytd only) | 1.9927% | 4,128 |
Net charge-offs to loans | 0.4499% | 534 |
Credit loss provision to net charge-offs | 105.7692% | 2,437 |
Earnings coverage of net charge-offs (x) | 6.2923% | 3,199 |
Efficiency ratio | 60.0098% | 4,263 |
Assets per employee ($millions) | 4.5093% | 3,166 |
Cash dividends to net income (ytd only)* | 58.1818% | 1,836 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9941% | 3,986 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
Noncurrent loans to loans | 0.0000% | 5,081 |
Net loans and leases to total assets | 52.8243% | 4,458 |
Net loans and leases to deposits | 64.5769% | 4,287 |
Net loans and leases to core deposits | 65.2030% | 4,464 |
Total domestic deposits to total assets | 81.8005% | 3,913 |
Equity capital to assets | 17.0703% | 394 |
Core capital (leverage) ratio | 17.3696% | 340 |
Tier 1 risk-based capital ratio | 23.8909% | 823 |
Total risk-based capital ratio | 24.6197% | 859 |
Memoranda: | ||
Average total assets | $101,292,200 | 4,213 |
Average earning assets | $92,554,600 | 4,228 |
Average equity | $18,467,800 | 3,307 |
Average total loans | $57,787,000 | 4,251 |
2017-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6699% | 4,395 |
Cost of funding earning assets | 0.1337% | 5,411 |
Net interest margin | 3.5362% | 3,365 |
Noninterest income to average assets | 0.8464% | 1,431 |
Noninterest expense to average assets | 2.4588% | 3,858 |
Loan and lease loss provision to assets | 0.5022% | 236 |
Net operating income to assets | 0.8692% | 3,180 |
Return on assets (ROA) | 0.9120% | 3,024 |
Pretax return on assets | 1.1638% | 3,047 |
Return on Equity (ROE) | 4.9170% | 4,557 |
Retained earnings to average equity (ytd only) | 2.1444% | 4,576 |
Net charge-offs to loans | 0.9343% | 194 |
Credit loss provision to net charge-offs | 92.5926% | 2,424 |
Earnings coverage of net charge-offs (x) | 2.9704% | 3,400 |
Efficiency ratio | 60.4146% | 4,141 |
Assets per employee ($millions) | 4.4399% | 3,256 |
Cash dividends to net income (ytd only)* | 56.3878% | 1,487 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9258% | 4,445 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
Noncurrent loans to loans | 0.0000% | 5,172 |
Net loans and leases to total assets | 55.4349% | 4,281 |
Net loans and leases to deposits | 68.8590% | 4,051 |
Net loans and leases to core deposits | 69.5767% | 4,264 |
Total domestic deposits to total assets | 80.5049% | 4,208 |
Equity capital to assets | 18.2965% | 311 |
Core capital (leverage) ratio | 19.3176% | 234 |
Tier 1 risk-based capital ratio | 23.9829% | 853 |
Total risk-based capital ratio | 24.6597% | 888 |
Memoranda: | ||
Average total assets | $99,559,500 | 4,288 |
Average earning assets | $90,754,000 | 4,312 |
Average equity | $18,466,250 | 3,334 |
Average total loans | $57,798,250 | 4,290 |
2017-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.6543% | 4,350 |
Cost of funding earning assets | 0.1348% | 5,424 |
Net interest margin | 3.5196% | 3,327 |
Noninterest income to average assets | 0.8733% | 1,354 |
Noninterest expense to average assets | 2.4639% | 3,877 |
Loan and lease loss provision to assets | 0.0608% | 2,748 |
Net operating income to assets | 1.1336% | 1,839 |
Return on assets (ROA) | 1.1934% | 1,651 |
Pretax return on assets | 1.6595% | 1,164 |
Return on Equity (ROE) | 6.4044% | 3,871 |
Retained earnings to average equity (ytd only) | 3.6208% | 3,554 |
Net charge-offs to loans | 0.0896% | 1,715 |
Credit loss provision to net charge-offs | 115.3846% | 1,830 |
Earnings coverage of net charge-offs (x) | 31.0769% | 1,437 |
Efficiency ratio | 60.0791% | 4,310 |
Assets per employee ($millions) | 3.6769% | 4,472 |
Cash dividends to net income (ytd only)* | 43.4635% | 2,168 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9677% | 4,335 |
Loan loss allowance to noncurrent loans | 29.6160% | 4,977 |
Noncurrent assets plus other real estate owned to assets | 2.1542% | 561 |
Noncurrent loans to loans | 3.2674% | 372 |
Net loans and leases to total assets | 65.2913% | 3,214 |
Net loans and leases to deposits | 84.2711% | 2,438 |
Net loans and leases to core deposits | 85.3294% | 2,941 |
Total domestic deposits to total assets | 77.4777% | 4,892 |
Equity capital to assets | 21.1692% | 177 |
Core capital (leverage) ratio | 19.3145% | 228 |
Tier 1 risk-based capital ratio | 25.5152% | 703 |
Total risk-based capital ratio | 26.2801% | 729 |
Memoranda: | ||
Average total assets | $98,706,670 | 4,330 |
Average earning assets | $90,522,330 | 4,345 |
Average equity | $18,393,670 | 3,347 |
Average total loans | $58,018,330 | 4,313 |
2017-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.4453% | 4,841 |
Cost of funding earning assets | 0.1301% | 5,487 |
Net interest margin | 3.3152% | 3,953 |
Noninterest income to average assets | 0.7428% | 1,771 |
Noninterest expense to average assets | 2.3283% | 4,329 |
Loan and lease loss provision to assets | 0.0577% | 2,649 |
Net operating income to assets | 0.9589% | 2,483 |
Return on assets (ROA) | 0.9775% | 2,459 |
Pretax return on assets | 1.4239% | 1,794 |
Return on Equity (ROE) | 5.5671% | 4,110 |
Retained earnings to average equity (ytd only) | 2.7616% | 4,027 |
Net charge-offs to loans | 0.1795% | 934 |
Credit loss provision to net charge-offs | 57.6923% | 1,927 |
Earnings coverage of net charge-offs (x) | 14.5385% | 1,719 |
Efficiency ratio | 61.5463% | 4,217 |
Assets per employee ($millions) | 4.2568% | 3,574 |
Cash dividends to net income (ytd only)* | 50.3937% | 1,663 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9326% | 4,629 |
Loan loss allowance to noncurrent loans | 33.1719% | 4,989 |
Noncurrent assets plus other real estate owned to assets | 1.6660% | 913 |
Noncurrent loans to loans | 2.8114% | 512 |
Net loans and leases to total assets | 56.9801% | 4,065 |
Net loans and leases to deposits | 70.4669% | 3,748 |
Net loans and leases to core deposits | 71.1960% | 4,058 |
Total domestic deposits to total assets | 80.8608% | 4,442 |
Equity capital to assets | 18.0135% | 300 |
Core capital (leverage) ratio | 17.5140% | 322 |
Tier 1 risk-based capital ratio | 24.7719% | 795 |
Total risk-based capital ratio | 25.5028% | 821 |
Memoranda: | ||
Average total assets | $103,937,000 | 4,285 |
Average earning assets | $95,317,500 | 4,285 |
Average equity | $18,250,000 | 3,382 |
Average total loans | $57,937,500 | 4,348 |
2016-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5031% | 4,770 |
Cost of funding earning assets | 0.1361% | 5,512 |
Net interest margin | 3.3670% | 3,931 |
Noninterest income to average assets | 0.8074% | 1,726 |
Noninterest expense to average assets | 2.3494% | 4,422 |
Loan and lease loss provision to assets | 0.0478% | 3,437 |
Net operating income to assets | 1.1409% | 1,726 |
Return on assets (ROA) | 1.3068% | 1,265 |
Pretax return on assets | 1.7104% | 974 |
Return on Equity (ROE) | 7.2441% | 3,340 |
Retained earnings to average equity (ytd only) | 4.4150% | 2,773 |
Net charge-offs to loans | 0.1600% | 1,682 |
Credit loss provision to net charge-offs | 53.3333% | 3,338 |
Earnings coverage of net charge-offs (x) | 17.1667% | 2,068 |
Efficiency ratio | 60.4049% | 4,522 |
Assets per employee ($millions) | 4.4047% | 3,272 |
Cash dividends to net income (ytd only)* | 39.0542% | 2,907 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9787% | 4,445 |
Loan loss allowance to noncurrent loans | 31.9429% | 5,047 |
Noncurrent assets plus other real estate owned to assets | 1.6554% | 946 |
Noncurrent loans to loans | 3.0640% | 439 |
Net loans and leases to total assets | 53.5001% | 4,484 |
Net loans and leases to deposits | 65.3743% | 4,301 |
Net loans and leases to core deposits | 66.0192% | 4,523 |
Total domestic deposits to total assets | 81.8365% | 4,115 |
Equity capital to assets | 17.1192% | 373 |
Core capital (leverage) ratio | 17.8990% | 294 |
Tier 1 risk-based capital ratio | 25.2771% | 746 |
Total risk-based capital ratio | 26.0431% | 776 |
Memoranda: | ||
Average total assets | $100,325,000 | 4,344 |
Average earning assets | $91,832,600 | 4,353 |
Average equity | $18,097,400 | 3,391 |
Average total loans | $56,262,200 | 4,404 |
2016-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5364% | 4,717 |
Cost of funding earning assets | 0.1356% | 5,583 |
Net interest margin | 3.4009% | 3,834 |
Noninterest income to average assets | 0.8621% | 1,539 |
Noninterest expense to average assets | 2.3735% | 4,344 |
Loan and lease loss provision to assets | 0.0485% | 3,279 |
Net operating income to assets | 1.1842% | 1,693 |
Return on assets (ROA) | 1.4009% | 1,123 |
Pretax return on assets | 1.8307% | 841 |
Return on Equity (ROE) | 7.6620% | 3,211 |
Retained earnings to average equity (ytd only) | 4.8329% | 2,936 |
Net charge-offs to loans | 0.2165% | 1,075 |
Credit loss provision to net charge-offs | 39.5604% | 3,152 |
Earnings coverage of net charge-offs (x) | 13.0330% | 2,338 |
Efficiency ratio | 59.7693% | 4,576 |
Assets per employee ($millions) | 4.5121% | 3,067 |
Cash dividends to net income (ytd only)* | 36.9233% | 2,485 |
Condition Ratios (%) | ||
Loss allowance to loans | 0.9644% | 4,597 |
Loan loss allowance to noncurrent loans | 25.3129% | 5,260 |
Noncurrent assets plus other real estate owned to assets | 2.1729% | 682 |
Noncurrent loans to loans | 3.8097% | 309 |
Net loans and leases to total assets | 56.4866% | 4,257 |
Net loans and leases to deposits | 70.4174% | 3,949 |
Net loans and leases to core deposits | 71.1727% | 4,236 |
Total domestic deposits to total assets | 80.2168% | 4,467 |
Equity capital to assets | 18.5905% | 296 |
Core capital (leverage) ratio | 18.5002% | 264 |
Tier 1 risk-based capital ratio | 25.4427% | 765 |
Total risk-based capital ratio | 26.2016% | 801 |
Memoranda: | ||
Average total assets | $98,978,250 | 4,396 |
Average earning assets | $90,484,500 | 4,408 |
Average equity | $18,097,500 | 3,414 |
Average total loans | $56,049,000 | 4,439 |
2016-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5811% | 4,647 |
Cost of funding earning assets | 0.1392% | 5,619 |
Net interest margin | 3.4419% | 3,717 |
Noninterest income to average assets | 0.8374% | 1,586 |
Noninterest expense to average assets | 2.3806% | 4,403 |
Loan and lease loss provision to assets | 0.0485% | 3,178 |
Net operating income to assets | 1.1736% | 1,690 |
Return on assets (ROA) | 1.3208% | 1,311 |
Pretax return on assets | 1.7556% | 971 |
Return on Equity (ROE) | 7.2642% | 3,387 |
Retained earnings to average equity (ytd only) | 4.4163% | 3,105 |
Net charge-offs to loans | 0.0859% | 1,986 |
Credit loss provision to net charge-offs | 100.0000% | 2,087 |
Earnings coverage of net charge-offs (x) | 33.1250% | 1,316 |
Efficiency ratio | 59.6856% | 4,681 |
Assets per employee ($millions) | 4.0595% | 3,799 |
Cash dividends to net income (ytd only)* | 39.2037% | 2,460 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0968% | 3,960 |
Loan loss allowance to noncurrent loans | 26.6637% | 5,328 |
Noncurrent assets plus other real estate owned to assets | 2.4141% | 590 |
Noncurrent loans to loans | 4.1136% | 277 |
Net loans and leases to total assets | 58.0424% | 4,110 |
Net loans and leases to deposits | 73.2506% | 3,679 |
Net loans and leases to core deposits | 74.0949% | 3,972 |
Total domestic deposits to total assets | 79.2381% | 4,724 |
Equity capital to assets | 19.5302% | 233 |
Core capital (leverage) ratio | 17.7867% | 310 |
Tier 1 risk-based capital ratio | 26.0818% | 718 |
Total risk-based capital ratio | 26.9504% | 730 |
Memoranda: | ||
Average total assets | $98,882,330 | 4,439 |
Average earning assets | $90,530,670 | 4,448 |
Average equity | $17,978,670 | 3,442 |
Average total loans | $55,859,330 | 4,474 |
2016-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5025% | 4,883 |
Cost of funding earning assets | 0.1372% | 5,697 |
Net interest margin | 3.3653% | 3,992 |
Noninterest income to average assets | 0.7832% | 1,684 |
Noninterest expense to average assets | 2.3062% | 4,641 |
Loan and lease loss provision to assets | 0.0472% | 2,975 |
Net operating income to assets | 1.1423% | 1,740 |
Return on assets (ROA) | 1.1806% | 1,716 |
Pretax return on assets | 1.5703% | 1,373 |
Return on Equity (ROE) | 6.7225% | 3,601 |
Retained earnings to average equity (ytd only) | 3.8542% | 3,573 |
Net charge-offs to loans | 0.1277% | 1,336 |
Credit loss provision to net charge-offs | 66.6667% | 1,925 |
Earnings coverage of net charge-offs (x) | 22.1111% | 1,417 |
Efficiency ratio | 59.5528% | 4,804 |
Assets per employee ($millions) | 4.4174% | 3,224 |
Cash dividends to net income (ytd only)* | 42.6667% | 1,999 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0581% | 4,299 |
Loan loss allowance to noncurrent loans | 26.8381% | 5,344 |
Noncurrent assets plus other real estate owned to assets | 2.1968% | 750 |
Noncurrent loans to loans | 3.9427% | 313 |
Net loans and leases to total assets | 54.7593% | 4,378 |
Net loans and leases to deposits | 67.4531% | 4,110 |
Net loans and leases to core deposits | 68.1496% | 4,391 |
Total domestic deposits to total assets | 81.1813% | 4,434 |
Equity capital to assets | 17.6770% | 354 |
Core capital (leverage) ratio | 17.5888% | 327 |
Tier 1 risk-based capital ratio | 25.2999% | 789 |
Total risk-based capital ratio | 26.1446% | 809 |
Memoranda: | ||
Average total assets | $101,639,500 | 4,437 |
Average earning assets | $93,305,000 | 4,440 |
Average equity | $17,850,500 | 3,459 |
Average total loans | $56,392,000 | 4,489 |
2015-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7593% | 4,164 |
Cost of funding earning assets | 0.1439% | 5,723 |
Net interest margin | 3.6155% | 3,076 |
Noninterest income to average assets | 0.7313% | 2,057 |
Noninterest expense to average assets | 2.3571% | 4,624 |
Loan and lease loss provision to assets | 0.0122% | 4,166 |
Net operating income to assets | 1.2778% | 1,328 |
Return on assets (ROA) | 1.3249% | 1,254 |
Pretax return on assets | 1.7299% | 931 |
Return on Equity (ROE) | 7.4807% | 3,256 |
Retained earnings to average equity (ytd only) | 4.7510% | 2,612 |
Net charge-offs to loans | 0.0070% | 4,200 |
Credit loss provision to net charge-offs | 300.0000% | 982 |
Earnings coverage of net charge-offs (x) | 412.0000% | 154 |
Efficiency ratio | 58.3733% | 5,103 |
Assets per employee ($millions) | 4.4208% | 3,170 |
Cash dividends to net income (ytd only)* | 36.4896% | 3,026 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0627% | 4,248 |
Loan loss allowance to noncurrent loans | 27.4429% | 5,376 |
Noncurrent assets plus other real estate owned to assets | 2.1539% | 792 |
Noncurrent loans to loans | 3.8725% | 322 |
Net loans and leases to total assets | 55.0286% | 4,386 |
Net loans and leases to deposits | 67.5121% | 4,172 |
Net loans and leases to core deposits | 68.2042% | 4,435 |
Total domestic deposits to total assets | 81.5093% | 4,331 |
Equity capital to assets | 17.4482% | 364 |
Core capital (leverage) ratio | 17.5645% | 310 |
Tier 1 risk-based capital ratio | 25.2085% | 800 |
Total risk-based capital ratio | 26.0670% | 817 |
Memoranda: | ||
Average total assets | $98,043,000 | 4,499 |
Average earning assets | $89,670,400 | 4,511 |
Average equity | $17,364,600 | 3,485 |
Average total loans | $56,868,600 | 4,468 |
2015-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8268% | 4,006 |
Cost of funding earning assets | 0.1411% | 5,840 |
Net interest margin | 3.6857% | 2,827 |
Noninterest income to average assets | 0.7838% | 1,860 |
Noninterest expense to average assets | 2.3760% | 4,578 |
Loan and lease loss provision to assets | 0.0124% | 4,024 |
Net operating income to assets | 1.3560% | 1,212 |
Return on assets (ROA) | 1.3877% | 1,188 |
Pretax return on assets | 1.8078% | 885 |
Return on Equity (ROE) | 7.8050% | 3,189 |
Retained earnings to average equity (ytd only) | 5.1338% | 2,813 |
Net charge-offs to loans | 0.0070% | 3,926 |
Credit loss provision to net charge-offs | 300.0000% | 959 |
Earnings coverage of net charge-offs (x) | 431.9900% | 169 |
Efficiency ratio | 57.1853% | 5,207 |
Assets per employee ($millions) | 3.8762% | 4,128 |
Cash dividends to net income (ytd only)* | 34.2233% | 2,610 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0360% | 4,550 |
Loan loss allowance to noncurrent loans | 109.5064% | 3,485 |
Noncurrent assets plus other real estate owned to assets | 0.5880% | 3,519 |
Noncurrent loans to loans | 0.9460% | 2,608 |
Net loans and leases to total assets | 61.5094% | 3,668 |
Net loans and leases to deposits | 76.9793% | 3,197 |
Net loans and leases to core deposits | 77.8602% | 3,620 |
Total domestic deposits to total assets | 79.9039% | 4,772 |
Equity capital to assets | 18.8868% | 282 |
Core capital (leverage) ratio | 18.7933% | 256 |
Tier 1 risk-based capital ratio | 24.9149% | 864 |
Total risk-based capital ratio | 25.7682% | 883 |
Memoranda: | ||
Average total assets | $97,134,250 | 4,564 |
Average earning assets | $88,845,750 | 4,578 |
Average equity | $17,270,500 | 3,520 |
Average total loans | $56,947,500 | 4,508 |
2015-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7483% | 4,243 |
Cost of funding earning assets | 0.1439% | 5,899 |
Net interest margin | 3.6044% | 3,077 |
Noninterest income to average assets | 0.7797% | 1,870 |
Noninterest expense to average assets | 2.3593% | 4,694 |
Loan and lease loss provision to assets | 0.0122% | 3,876 |
Net operating income to assets | 1.3133% | 1,278 |
Return on assets (ROA) | 1.3462% | 1,245 |
Pretax return on assets | 1.7563% | 963 |
Return on Equity (ROE) | 7.7225% | 3,204 |
Retained earnings to average equity (ytd only) | 5.0318% | 2,844 |
Net charge-offs to loans | -0.0035% | 4,664 |
Credit loss provision to net charge-offs | -600.0000% | 5,245 |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 57.7535% | 5,251 |
Assets per employee ($millions) | 3.9373% | 4,003 |
Cash dividends to net income (ytd only)* | 34.8416% | 2,625 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0522% | 4,595 |
Loan loss allowance to noncurrent loans | 108.8929% | 3,511 |
Noncurrent assets plus other real estate owned to assets | 0.6085% | 3,593 |
Noncurrent loans to loans | 0.9663% | 2,715 |
Net loans and leases to total assets | 62.3077% | 3,510 |
Net loans and leases to deposits | 78.2070% | 3,002 |
Net loans and leases to core deposits | 79.1272% | 3,474 |
Total domestic deposits to total assets | 79.6703% | 4,934 |
Equity capital to assets | 19.1393% | 259 |
Core capital (leverage) ratio | 17.8497% | 301 |
Tier 1 risk-based capital ratio | 24.9397% | 870 |
Total risk-based capital ratio | 25.8068% | 888 |
Memoranda: | ||
Average total assets | $98,503,000 | 4,577 |
Average earning assets | $90,333,330 | 4,589 |
Average equity | $17,170,670 | 3,541 |
Average total loans | $56,656,670 | 4,553 |
2015-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5755% | 4,764 |
Cost of funding earning assets | 0.1442% | 5,973 |
Net interest margin | 3.4313% | 3,704 |
Noninterest income to average assets | 0.7338% | 2,000 |
Noninterest expense to average assets | 2.2678% | 4,954 |
Loan and lease loss provision to assets | 0.0117% | 3,575 |
Net operating income to assets | 1.2081% | 1,525 |
Return on assets (ROA) | 1.2139% | 1,600 |
Pretax return on assets | 1.6199% | 1,221 |
Return on Equity (ROE) | 7.2791% | 3,347 |
Retained earnings to average equity (ytd only) | 4.5875% | 3,276 |
Net charge-offs to loans | 0.0000% | 3,288 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.2748% | 5,305 |
Assets per employee ($millions) | 4.2506% | 3,462 |
Cash dividends to net income (ytd only)* | 36.9775% | 2,129 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0589% | 4,712 |
Loan loss allowance to noncurrent loans | 101.5306% | 3,656 |
Noncurrent assets plus other real estate owned to assets | 0.5764% | 3,752 |
Noncurrent loans to loans | 1.0430% | 2,675 |
Net loans and leases to total assets | 54.6788% | 4,349 |
Net loans and leases to deposits | 66.6579% | 4,086 |
Net loans and leases to core deposits | 68.1624% | 4,311 |
Total domestic deposits to total assets | 82.0289% | 4,502 |
Equity capital to assets | 16.8604% | 448 |
Core capital (leverage) ratio | 16.5724% | 409 |
Tier 1 risk-based capital ratio | 24.7089% | 914 |
Total risk-based capital ratio | 25.5756% | 939 |
Memoranda: | ||
Average total assets | $102,476,000 | 4,545 |
Average earning assets | $94,308,500 | 4,540 |
Average equity | $17,090,000 | 3,578 |
Average total loans | $56,473,000 | 4,589 |
2014-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8282% | 4,401 |
Cost of funding earning assets | 0.1521% | 6,089 |
Net interest margin | 3.6761% | 3,096 |
Noninterest income to average assets | 0.8516% | 1,678 |
Noninterest expense to average assets | 2.3724% | 4,915 |
Loan and lease loss provision to assets | 0.0371% | 3,840 |
Net operating income to assets | 1.3762% | 1,128 |
Return on assets (ROA) | 1.3815% | 1,153 |
Pretax return on assets | 1.8153% | 771 |
Return on Equity (ROE) | 8.3903% | 2,918 |
Retained earnings to average equity (ytd only) | 5.5794% | 2,208 |
Net charge-offs to loans | 0.0036% | 4,885 |
Credit loss provision to net charge-offs | 1,850.0000% | 166 |
Earnings coverage of net charge-offs (x) | 921.0000% | 46 |
Efficiency ratio | 56.2470% | 5,645 |
Assets per employee ($millions) | 4.1175% | 3,688 |
Cash dividends to net income (ytd only)* | 33.5025% | 3,200 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0483% | 4,818 |
Loan loss allowance to noncurrent loans | 105.7041% | 3,585 |
Noncurrent assets plus other real estate owned to assets | 0.5450% | 3,988 |
Noncurrent loans to loans | 0.9917% | 2,848 |
Net loans and leases to total assets | 54.3784% | 4,534 |
Net loans and leases to deposits | 65.9061% | 4,340 |
Net loans and leases to core deposits | 67.3679% | 4,565 |
Total domestic deposits to total assets | 82.5089% | 4,245 |
Equity capital to assets | 16.4954% | 479 |
Core capital (leverage) ratio | 16.3484% | 434 |
Tier 1 risk-based capital ratio | 24.8189% | 851 |
Total risk-based capital ratio | 25.6937% | 880 |
Memoranda: | ||
Average total assets | $99,815,800 | 4,606 |
Average earning assets | $91,400,800 | 4,620 |
Average equity | $16,435,600 | 3,612 |
Average total loans | $55,884,400 | 4,616 |
2014-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8654% | 4,299 |
Cost of funding earning assets | 0.1517% | 6,176 |
Net interest margin | 3.7138% | 2,969 |
Noninterest income to average assets | 0.8482% | 1,708 |
Noninterest expense to average assets | 2.3991% | 4,827 |
Loan and lease loss provision to assets | 0.0417% | 3,564 |
Net operating income to assets | 1.3818% | 1,169 |
Return on assets (ROA) | 1.3746% | 1,229 |
Pretax return on assets | 1.7933% | 905 |
Return on Equity (ROE) | 8.3518% | 3,010 |
Retained earnings to average equity (ytd only) | 5.5133% | 2,738 |
Net charge-offs to loans | 0.0048% | 4,538 |
Credit loss provision to net charge-offs | 1,550.0000% | 236 |
Earnings coverage of net charge-offs (x) | 684.1273% | 114 |
Efficiency ratio | 56.5355% | 5,610 |
Assets per employee ($millions) | 3.8959% | 4,098 |
Cash dividends to net income (ytd only)* | 33.9866% | 2,620 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0358% | 5,044 |
Loan loss allowance to noncurrent loans | 81.8689% | 4,139 |
Noncurrent assets plus other real estate owned to assets | 0.7362% | 3,604 |
Noncurrent loans to loans | 1.2652% | 2,526 |
Net loans and leases to total assets | 57.5819% | 4,126 |
Net loans and leases to deposits | 70.5775% | 3,850 |
Net loans and leases to core deposits | 72.2514% | 4,127 |
Total domestic deposits to total assets | 81.5867% | 4,631 |
Equity capital to assets | 17.2983% | 396 |
Core capital (leverage) ratio | 17.2002% | 354 |
Tier 1 risk-based capital ratio | 25.0461% | 878 |
Total risk-based capital ratio | 25.9328% | 896 |
Memoranda: | ||
Average total assets | $99,035,250 | 4,665 |
Average earning assets | $90,544,000 | 4,690 |
Average equity | $16,299,500 | 3,650 |
Average total loans | $55,713,250 | 4,666 |
2014-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.8274% | 4,421 |
Cost of funding earning assets | 0.1540% | 6,245 |
Net interest margin | 3.6734% | 3,053 |
Noninterest income to average assets | 0.7893% | 1,883 |
Noninterest expense to average assets | 2.3619% | 4,991 |
Loan and lease loss provision to assets | 0.0321% | 3,642 |
Net operating income to assets | 1.3449% | 1,196 |
Return on assets (ROA) | 1.3356% | 1,265 |
Pretax return on assets | 1.7373% | 949 |
Return on Equity (ROE) | 8.2523% | 2,957 |
Retained earnings to average equity (ytd only) | 5.3857% | 2,712 |
Net charge-offs to loans | 0.0072% | 4,140 |
Credit loss provision to net charge-offs | 800.0000% | 405 |
Earnings coverage of net charge-offs (x) | 443.5000% | 159 |
Efficiency ratio | 57.0044% | 5,656 |
Assets per employee ($millions) | 3.7142% | 4,431 |
Cash dividends to net income (ytd only)* | 34.7368% | 2,616 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0065% | 5,314 |
Loan loss allowance to noncurrent loans | 101.2389% | 3,615 |
Noncurrent assets plus other real estate owned to assets | 0.6338% | 4,071 |
Noncurrent loans to loans | 0.9942% | 3,248 |
Net loans and leases to total assets | 63.1108% | 3,223 |
Net loans and leases to deposits | 78.3884% | 2,750 |
Net loans and leases to core deposits | 81.6170% | 3,016 |
Total domestic deposits to total assets | 80.5104% | 5,123 |
Equity capital to assets | 18.3318% | 308 |
Core capital (leverage) ratio | 16.8105% | 379 |
Tier 1 risk-based capital ratio | 24.5434% | 925 |
Total risk-based capital ratio | 25.4025% | 946 |
Memoranda: | ||
Average total assets | $99,581,330 | 4,692 |
Average earning assets | $90,924,000 | 4,705 |
Average equity | $16,116,670 | 3,672 |
Average total loans | $55,394,330 | 4,707 |
2014-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.5158% | 5,378 |
Cost of funding earning assets | 0.1547% | 6,330 |
Net interest margin | 3.3611% | 4,288 |
Noninterest income to average assets | 0.8778% | 1,460 |
Noninterest expense to average assets | 2.3091% | 5,167 |
Loan and lease loss provision to assets | 0.0229% | 3,532 |
Net operating income to assets | 1.2011% | 1,483 |
Return on assets (ROA) | 1.1870% | 1,588 |
Pretax return on assets | 1.5954% | 1,181 |
Return on Equity (ROE) | 7.7728% | 3,057 |
Retained earnings to average equity (ytd only) | 4.8986% | 3,173 |
Net charge-offs to loans | 0.0000% | 3,660 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 58.5106% | 5,599 |
Assets per employee ($millions) | 4.4023% | 3,145 |
Cash dividends to net income (ytd only)* | 36.9775% | 2,093 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0249% | 5,427 |
Loan loss allowance to noncurrent loans | 99.2958% | 3,626 |
Noncurrent assets plus other real estate owned to assets | 0.5376% | 4,537 |
Noncurrent loans to loans | 1.0321% | 3,363 |
Net loans and leases to total assets | 51.5527% | 4,725 |
Net loans and leases to deposits | 61.5562% | 4,600 |
Net loans and leases to core deposits | 64.5371% | 4,643 |
Total domestic deposits to total assets | 83.7490% | 4,365 |
Equity capital to assets | 15.2402% | 633 |
Core capital (leverage) ratio | 15.3799% | 555 |
Tier 1 risk-based capital ratio | 24.8726% | 904 |
Total risk-based capital ratio | 25.7438% | 923 |
Memoranda: | ||
Average total assets | $104,802,000 | 4,609 |
Average earning assets | $95,683,000 | 4,638 |
Average equity | $16,004,500 | 3,697 |
Average total loans | $54,677,000 | 4,767 |
2013-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7485% | 4,980 |
Cost of funding earning assets | 0.1911% | 6,332 |
Net interest margin | 3.5574% | 3,646 |
Noninterest income to average assets | 0.7018% | 2,534 |
Noninterest expense to average assets | 2.2393% | 5,533 |
Loan and lease loss provision to assets | 0.0060% | 5,006 |
Net operating income to assets | 1.2966% | 1,259 |
Return on assets (ROA) | 1.2966% | 1,309 |
Pretax return on assets | 1.6765% | 994 |
Return on Equity (ROE) | 8.3913% | 2,836 |
Retained earnings to average equity (ytd only) | 6.0428% | 1,942 |
Net charge-offs to loans | 0.0987% | 3,857 |
Credit loss provision to net charge-offs | 11.3208% | 4,570 |
Earnings coverage of net charge-offs (x) | 31.7547% | 1,125 |
Efficiency ratio | 57.0992% | 5,839 |
Assets per employee ($millions) | 4.3312% | 3,218 |
Cash dividends to net income (ytd only)* | 27.9877% | 3,370 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0272% | 5,434 |
Loan loss allowance to noncurrent loans | 98.4127% | 3,653 |
Noncurrent assets plus other real estate owned to assets | 0.5455% | 4,593 |
Noncurrent loans to loans | 1.0438% | 3,424 |
Net loans and leases to total assets | 51.7215% | 4,891 |
Net loans and leases to deposits | 61.7516% | 4,744 |
Net loans and leases to core deposits | 64.7923% | 4,800 |
Total domestic deposits to total assets | 83.7574% | 4,262 |
Equity capital to assets | 15.3027% | 622 |
Core capital (leverage) ratio | 15.3492% | 562 |
Tier 1 risk-based capital ratio | 25.1809% | 836 |
Total risk-based capital ratio | 26.0642% | 860 |
Memoranda: | ||
Average total assets | $100,032,400 | 4,737 |
Average earning assets | $90,543,200 | 4,757 |
Average equity | $15,456,400 | 3,790 |
Average total loans | $53,725,200 | 4,823 |
2013-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7670% | 4,971 |
Cost of funding earning assets | 0.1965% | 6,413 |
Net interest margin | 3.5706% | 3,576 |
Noninterest income to average assets | 0.7538% | 2,352 |
Noninterest expense to average assets | 2.2412% | 5,504 |
Loan and lease loss provision to assets | 0.0067% | 4,843 |
Net operating income to assets | 1.3339% | 1,258 |
Return on assets (ROA) | 1.3339% | 1,311 |
Pretax return on assets | 1.7350% | 1,026 |
Return on Equity (ROE) | 8.6113% | 2,832 |
Retained earnings to average equity (ytd only) | 6.4650% | 2,153 |
Net charge-offs to loans | 0.1344% | 3,198 |
Credit loss provision to net charge-offs | 9.2593% | 4,221 |
Earnings coverage of net charge-offs (x) | 23.9624% | 1,446 |
Efficiency ratio | 56.2690% | 5,869 |
Assets per employee ($millions) | 4.2325% | 3,360 |
Cash dividends to net income (ytd only)* | 24.9247% | 2,895 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0363% | 5,576 |
Loan loss allowance to noncurrent loans | 98.4071% | 3,511 |
Noncurrent assets plus other real estate owned to assets | 0.5804% | 4,704 |
Noncurrent loans to loans | 1.0531% | 3,695 |
Net loans and leases to total assets | 54.5435% | 4,528 |
Net loans and leases to deposits | 65.8551% | 4,323 |
Net loans and leases to core deposits | 69.3689% | 4,388 |
Total domestic deposits to total assets | 82.8235% | 4,644 |
Equity capital to assets | 16.1452% | 529 |
Core capital (leverage) ratio | 16.3394% | 446 |
Tier 1 risk-based capital ratio | 25.8087% | 801 |
Total risk-based capital ratio | 26.7217% | 820 |
Memoranda: | ||
Average total assets | $99,053,250 | 4,806 |
Average earning assets | $89,582,500 | 4,823 |
Average equity | $15,343,750 | 3,850 |
Average total loans | $53,576,000 | 4,869 |
2013-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7374% | 5,031 |
Cost of funding earning assets | 0.2108% | 6,422 |
Net interest margin | 3.5266% | 3,670 |
Noninterest income to average assets | 0.6886% | 2,696 |
Noninterest expense to average assets | 2.1943% | 5,644 |
Loan and lease loss provision to assets | 0.0060% | 4,718 |
Net operating income to assets | 1.3150% | 1,286 |
Return on assets (ROA) | 1.3150% | 1,370 |
Pretax return on assets | 1.6783% | 1,163 |
Return on Equity (ROE) | 8.6075% | 2,793 |
Retained earnings to average equity (ytd only) | 6.4392% | 2,179 |
Net charge-offs to loans | 0.2017% | 2,546 |
Credit loss provision to net charge-offs | 5.5556% | 3,947 |
Earnings coverage of net charge-offs (x) | 15.5370% | 1,729 |
Efficiency ratio | 56.5735% | 5,894 |
Assets per employee ($millions) | 4.3007% | 3,170 |
Cash dividends to net income (ytd only)* | 25.1908% | 2,810 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0591% | 5,587 |
Loan loss allowance to noncurrent loans | 98.5765% | 3,500 |
Noncurrent assets plus other real estate owned to assets | 0.6116% | 4,717 |
Noncurrent loans to loans | 1.0744% | 3,778 |
Net loans and leases to total assets | 52.3222% | 4,815 |
Net loans and leases to deposits | 62.7318% | 4,661 |
Net loans and leases to core deposits | 65.9980% | 4,689 |
Total domestic deposits to total assets | 83.4061% | 4,543 |
Equity capital to assets | 15.6325% | 597 |
Core capital (leverage) ratio | 16.0174% | 463 |
Tier 1 risk-based capital ratio | 26.3860% | 740 |
Total risk-based capital ratio | 27.3314% | 748 |
Memoranda: | ||
Average total assets | $99,621,670 | 4,829 |
Average earning assets | $90,115,000 | 4,843 |
Average equity | $15,219,330 | 3,906 |
Average total loans | $53,550,330 | 4,895 |
2013-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 3.7508% | 4,989 |
Cost of funding earning assets | 0.2468% | 6,310 |
Net interest margin | 3.5039% | 3,676 |
Noninterest income to average assets | 0.6442% | 2,909 |
Noninterest expense to average assets | 2.0965% | 5,921 |
Loan and lease loss provision to assets | 0.0080% | 4,347 |
Net operating income to assets | 1.3283% | 1,210 |
Return on assets (ROA) | 1.3283% | 1,311 |
Pretax return on assets | 1.7204% | 1,034 |
Return on Equity (ROE) | 8.7962% | 2,582 |
Retained earnings to average equity (ytd only) | 6.5971% | 2,370 |
Net charge-offs to loans | 0.0222% | 3,729 |
Credit loss provision to net charge-offs | 66.6667% | 2,337 |
Earnings coverage of net charge-offs (x) | 144.0000% | 273 |
Efficiency ratio | 54.8117% | 6,171 |
Assets per employee ($millions) | 4.2060% | 3,525 |
Cash dividends to net income (ytd only)* | 25.0000% | 2,207 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1305% | 5,481 |
Loan loss allowance to noncurrent loans | 610.1010% | 721 |
Noncurrent assets plus other real estate owned to assets | 0.1023% | 6,276 |
Noncurrent loans to loans | 0.1853% | 5,941 |
Net loans and leases to total assets | 54.6068% | 4,314 |
Net loans and leases to deposits | 65.6097% | 4,104 |
Net loans and leases to core deposits | 70.1332% | 4,065 |
Total domestic deposits to total assets | 83.2298% | 4,783 |
Equity capital to assets | 15.7354% | 602 |
Core capital (leverage) ratio | 15.1896% | 563 |
Tier 1 risk-based capital ratio | 25.8241% | 803 |
Total risk-based capital ratio | 26.8488% | 815 |
Memoranda: | ||
Average total assets | $99,974,500 | 4,869 |
Average earning assets | $90,755,000 | 4,874 |
Average equity | $15,097,500 | 3,976 |
Average total loans | $54,171,000 | 4,912 |
2012-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.4008% | 3,809 |
Cost of funding earning assets | 0.3452% | 6,244 |
Net interest margin | 4.0556% | 2,165 |
Noninterest income to average assets | 1.0010% | 1,529 |
Noninterest expense to average assets | 2.3430% | 5,584 |
Loan and lease loss provision to assets | 0.0109% | 5,782 |
Net operating income to assets | 1.7025% | 612 |
Return on assets (ROA) | 1.6993% | 699 |
Pretax return on assets | 2.3027% | 339 |
Return on Equity (ROE) | 10.8269% | 1,863 |
Retained earnings to average equity (ytd only) | 8.5366% | 956 |
Net charge-offs to loans | 0.0141% | 5,715 |
Credit loss provision to net charge-offs | 125.0000% | 2,264 |
Earnings coverage of net charge-offs (x) | 266.0000% | 147 |
Efficiency ratio | 50.2688% | 6,578 |
Assets per employee ($millions) | 4.4875% | 2,982 |
Cash dividends to net income (ytd only)* | 21.1538% | 3,701 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.1017% | 5,543 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
Noncurrent loans to loans | 0.0000% | 6,599 |
Net loans and leases to total assets | 52.6179% | 4,823 |
Net loans and leases to deposits | 62.2192% | 4,764 |
Net loans and leases to core deposits | 66.3993% | 4,700 |
Total domestic deposits to total assets | 84.5687% | 4,057 |
Equity capital to assets | 14.5070% | 869 |
Core capital (leverage) ratio | 15.0880% | 555 |
Tier 1 risk-based capital ratio | 25.0084% | 853 |
Total risk-based capital ratio | 26.0188% | 865 |
Memoranda: | ||
Average total assets | $91,804,200 | 5,030 |
Average earning assets | $82,848,600 | 5,047 |
Average equity | $14,408,600 | 4,085 |
Average total loans | $56,648,400 | 4,845 |
2012-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5794% | 3,290 |
Cost of funding earning assets | 0.3616% | 6,323 |
Net interest margin | 4.2178% | 1,688 |
Noninterest income to average assets | 1.0957% | 1,251 |
Noninterest expense to average assets | 2.3787% | 5,461 |
Loan and lease loss provision to assets | 0.0150% | 5,624 |
Net operating income to assets | 1.8556% | 511 |
Return on assets (ROA) | 1.8556% | 582 |
Pretax return on assets | 2.4957% | 292 |
Return on Equity (ROE) | 11.5692% | 1,770 |
Retained earnings to average equity (ytd only) | 9.2609% | 1,135 |
Net charge-offs to loans | 0.0163% | 5,457 |
Credit loss provision to net charge-offs | 142.8571% | 2,010 |
Earnings coverage of net charge-offs (x) | 239.3655% | 189 |
Efficiency ratio | 48.6511% | 6,681 |
Assets per employee ($millions) | 3.9825% | 3,906 |
Cash dividends to net income (ytd only)* | 19.9518% | 3,043 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0894% | 5,764 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
Noncurrent loans to loans | 0.0000% | 6,696 |
Net loans and leases to total assets | 59.9681% | 3,792 |
Net loans and leases to deposits | 72.3788% | 3,551 |
Net loans and leases to core deposits | 78.0219% | 3,456 |
Total domestic deposits to total assets | 82.8532% | 4,700 |
Equity capital to assets | 16.0857% | 593 |
Core capital (leverage) ratio | 16.3633% | 438 |
Tier 1 risk-based capital ratio | 25.0229% | 906 |
Total risk-based capital ratio | 26.0504% | 921 |
Memoranda: | ||
Average total assets | $88,952,250 | 5,176 |
Average earning assets | $80,008,750 | 5,180 |
Average equity | $14,267,500 | 4,150 |
Average total loans | $57,082,250 | 4,885 |
2012-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6658% | 3,069 |
Cost of funding earning assets | 0.3791% | 6,383 |
Net interest margin | 4.2867% | 1,507 |
Noninterest income to average assets | 1.2535% | 908 |
Noninterest expense to average assets | 2.4503% | 5,297 |
Loan and lease loss provision to assets | 0.0227% | 5,382 |
Net operating income to assets | 1.9734% | 408 |
Return on assets (ROA) | 1.9734% | 474 |
Pretax return on assets | 2.6320% | 248 |
Return on Equity (ROE) | 12.3158% | 1,572 |
Retained earnings to average equity (ytd only) | 9.9773% | 982 |
Net charge-offs to loans | 0.0243% | 5,049 |
Credit loss provision to net charge-offs | 142.8571% | 1,932 |
Earnings coverage of net charge-offs (x) | 167.0000% | 275 |
Efficiency ratio | 47.9982% | 6,774 |
Assets per employee ($millions) | 3.4962% | 4,996 |
Cash dividends to net income (ytd only)* | 18.9873% | 3,017 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0859% | 5,839 |
Loan loss allowance to noncurrent loans | 60,500.0000% | 14 |
Noncurrent assets plus other real estate owned to assets | 0.0012% | 6,872 |
Noncurrent loans to loans | 0.0018% | 6,729 |
Net loans and leases to total assets | 65.6767% | 2,735 |
Net loans and leases to deposits | 80.4097% | 2,330 |
Net loans and leases to core deposits | 87.8509% | 2,221 |
Total domestic deposits to total assets | 81.6776% | 5,241 |
Equity capital to assets | 17.2177% | 420 |
Core capital (leverage) ratio | 16.0767% | 448 |
Tier 1 risk-based capital ratio | 24.5076% | 956 |
Total risk-based capital ratio | 25.5339% | 963 |
Memoranda: | ||
Average total assets | $88,070,670 | 5,224 |
Average earning assets | $79,128,330 | 5,234 |
Average equity | $14,112,000 | 4,177 |
Average total loans | $57,598,330 | 4,885 |
2012-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.5962% | 3,519 |
Cost of funding earning assets | 0.3826% | 6,496 |
Net interest margin | 4.2136% | 1,723 |
Noninterest income to average assets | 1.4553% | 684 |
Noninterest expense to average assets | 2.4093% | 5,440 |
Loan and lease loss provision to assets | 0.0266% | 5,022 |
Net operating income to assets | 2.1564% | 312 |
Return on assets (ROA) | 2.1564% | 366 |
Pretax return on assets | 2.8308% | 217 |
Return on Equity (ROE) | 13.9410% | 1,195 |
Retained earnings to average equity (ytd only) | 11.5601% | 911 |
Net charge-offs to loans | 0.0410% | 4,121 |
Credit loss provision to net charge-offs | 100.0000% | 2,289 |
Earnings coverage of net charge-offs (x) | 107.3333% | 322 |
Efficiency ratio | 45.7456% | 6,913 |
Assets per employee ($millions) | 3.7179% | 4,615 |
Cash dividends to net income (ytd only)* | 17.0782% | 2,404 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0339% | 6,138 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.1300% | 6,566 |
Noncurrent loans to loans | 0.0000% | 6,812 |
Net loans and leases to total assets | 64.5788% | 2,745 |
Net loans and leases to deposits | 77.8658% | 2,540 |
Net loans and leases to core deposits | 82.5379% | 2,756 |
Total domestic deposits to total assets | 82.9360% | 4,955 |
Equity capital to assets | 15.8536% | 598 |
Core capital (leverage) ratio | 15.6164% | 515 |
Tier 1 risk-based capital ratio | 23.4139% | 1,079 |
Total risk-based capital ratio | 24.4103% | 1,091 |
Memoranda: | ||
Average total assets | $90,152,000 | 5,202 |
Average earning assets | $81,545,000 | 5,205 |
Average equity | $13,944,500 | 4,210 |
Average total loans | $58,541,000 | 4,880 |
2011-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.7908% | 3,857 |
Cost of funding earning assets | 0.4930% | 6,563 |
Net interest margin | 4.2978% | 1,702 |
Noninterest income to average assets | 0.7771% | 2,183 |
Noninterest expense to average assets | 2.3244% | 5,987 |
Loan and lease loss provision to assets | 0.0093% | 6,420 |
Net operating income to assets | 1.6796% | 572 |
Return on assets (ROA) | 1.6271% | 687 |
Pretax return on assets | 2.3013% | 299 |
Return on Equity (ROE) | 10.6562% | 1,817 |
Retained earnings to average equity (ytd only) | 8.1569% | 1,030 |
Net charge-offs to loans | 0.0000% | 6,441 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.3615% | 6,869 |
Assets per employee ($millions) | 3.7948% | 4,326 |
Cash dividends to net income (ytd only)* | 23.4542% | 3,400 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0228% | 6,105 |
Loan loss allowance to noncurrent loans | 955.5556% | 407 |
Noncurrent assets plus other real estate owned to assets | 0.0867% | 6,736 |
Noncurrent loans to loans | 0.1070% | 6,543 |
Net loans and leases to total assets | 63.9638% | 3,199 |
Net loans and leases to deposits | 76.2320% | 3,145 |
Net loans and leases to core deposits | 80.6543% | 3,366 |
Total domestic deposits to total assets | 83.9067% | 4,349 |
Equity capital to assets | 15.0898% | 758 |
Core capital (leverage) ratio | 14.6979% | 666 |
Tier 1 risk-based capital ratio | 22.4698% | 1,171 |
Total risk-based capital ratio | 23.4541% | 1,182 |
Memoranda: | ||
Average total assets | $86,472,800 | 5,277 |
Average earning assets | $79,110,600 | 5,256 |
Average equity | $13,203,600 | 4,301 |
Average total loans | $58,116,800 | 4,940 |
2011-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8275% | 3,895 |
Cost of funding earning assets | 0.5138% | 6,648 |
Net interest margin | 4.3137% | 1,666 |
Noninterest income to average assets | 0.7798% | 2,141 |
Noninterest expense to average assets | 2.3252% | 5,966 |
Loan and lease loss provision to assets | 0.0094% | 6,316 |
Net operating income to assets | 1.6970% | 634 |
Return on assets (ROA) | 1.6970% | 695 |
Pretax return on assets | 2.3940% | 301 |
Return on Equity (ROE) | 11.0796% | 1,843 |
Retained earnings to average equity (ytd only) | 8.5495% | 1,299 |
Net charge-offs to loans | 0.0000% | 6,185 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 49.1738% | 6,872 |
Assets per employee ($millions) | 3.8031% | 4,300 |
Cash dividends to net income (ytd only)* | 22.8363% | 2,805 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0047% | 6,243 |
Loan loss allowance to noncurrent loans | 10,000.0000% | 51 |
Noncurrent assets plus other real estate owned to assets | 0.0263% | 6,994 |
Noncurrent loans to loans | 0.0100% | 6,934 |
Net loans and leases to total assets | 67.5851% | 2,560 |
Net loans and leases to deposits | 81.0146% | 2,522 |
Net loans and leases to core deposits | 85.5691% | 2,832 |
Total domestic deposits to total assets | 83.4233% | 4,512 |
Equity capital to assets | 15.4381% | 738 |
Core capital (leverage) ratio | 15.2591% | 612 |
Tier 1 risk-based capital ratio | 21.7736% | 1,325 |
Total risk-based capital ratio | 22.7411% | 1,344 |
Memoranda: | ||
Average total assets | $85,322,250 | 5,341 |
Average earning assets | $78,106,250 | 5,324 |
Average equity | $13,068,750 | 4,336 |
Average total loans | $57,931,750 | 4,999 |
2011-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.8047% | 4,084 |
Cost of funding earning assets | 0.5539% | 6,648 |
Net interest margin | 4.2508% | 1,842 |
Noninterest income to average assets | 0.7021% | 2,543 |
Noninterest expense to average assets | 2.3190% | 6,071 |
Loan and lease loss provision to assets | 0.0000% | 6,217 |
Net operating income to assets | 1.6122% | 713 |
Return on assets (ROA) | 1.6122% | 759 |
Pretax return on assets | 2.2835% | 359 |
Return on Equity (ROE) | 10.5543% | 1,934 |
Retained earnings to average equity (ytd only) | 8.0008% | 1,464 |
Net charge-offs to loans | 0.0000% | 5,875 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.3852% | 6,908 |
Assets per employee ($millions) | 3.5713% | 4,745 |
Cash dividends to net income (ytd only)* | 24.1935% | 2,714 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0163% | 6,266 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0438% | 6,986 |
Noncurrent loans to loans | 0.0000% | 7,026 |
Net loans and leases to total assets | 70.4330% | 2,127 |
Net loans and leases to deposits | 85.0804% | 1,935 |
Net loans and leases to core deposits | 93.1190% | 2,005 |
Total domestic deposits to total assets | 82.7841% | 4,855 |
Equity capital to assets | 16.0496% | 606 |
Core capital (leverage) ratio | 15.5678% | 563 |
Tier 1 risk-based capital ratio | 22.1277% | 1,237 |
Total risk-based capital ratio | 23.1247% | 1,251 |
Memoranda: | ||
Average total assets | $84,605,670 | 5,408 |
Average earning assets | $77,632,670 | 5,378 |
Average equity | $12,923,670 | 4,360 |
Average total loans | $57,336,330 | 5,071 |
2011-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 4.6620% | 4,690 |
Cost of funding earning assets | 0.5815% | 6,686 |
Net interest margin | 4.0805% | 2,347 |
Noninterest income to average assets | 0.6151% | 3,070 |
Noninterest expense to average assets | 2.2321% | 6,353 |
Loan and lease loss provision to assets | 0.0000% | 5,840 |
Net operating income to assets | 1.5797% | 721 |
Return on assets (ROA) | 1.5797% | 766 |
Pretax return on assets | 2.1435% | 440 |
Return on Equity (ROE) | 10.5987% | 1,875 |
Retained earnings to average equity (ytd only) | 8.0038% | 1,733 |
Net charge-offs to loans | 0.0000% | 5,107 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 51.0117% | 6,920 |
Assets per employee ($millions) | 3.6464% | 4,660 |
Cash dividends to net income (ytd only)* | 24.4838% | 2,121 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0357% | 6,265 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0405% | 7,067 |
Noncurrent loans to loans | 0.0000% | 7,094 |
Net loans and leases to total assets | 67.6786% | 2,623 |
Net loans and leases to deposits | 81.1797% | 2,495 |
Net loans and leases to core deposits | 88.6086% | 2,528 |
Total domestic deposits to total assets | 83.3689% | 4,760 |
Equity capital to assets | 15.4077% | 680 |
Core capital (leverage) ratio | 14.8336% | 688 |
Tier 1 risk-based capital ratio | 22.5503% | 1,136 |
Total risk-based capital ratio | 23.5869% | 1,149 |
Memoranda: | ||
Average total assets | $85,839,000 | 5,410 |
Average earning assets | $79,108,000 | 5,385 |
Average equity | $12,794,000 | 4,384 |
Average total loans | $56,781,000 | 5,140 |
2010-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.0283% | 4,420 |
Cost of funding earning assets | 0.7946% | 6,590 |
Net interest margin | 4.2337% | 2,051 |
Noninterest income to average assets | 1.1064% | 1,213 |
Noninterest expense to average assets | 2.4930% | 5,826 |
Loan and lease loss provision to assets | 0.0000% | 7,042 |
Net operating income to assets | 1.7518% | 464 |
Return on assets (ROA) | 1.7518% | 506 |
Pretax return on assets | 2.5112% | 184 |
Return on Equity (ROE) | 11.9546% | 1,322 |
Retained earnings to average equity (ytd only) | 9.2226% | 659 |
Net charge-offs to loans | 0.0052% | 6,792 |
Credit loss provision to net charge-offs | 0.0000% | 6,628 |
Earnings coverage of net charge-offs (x) | 690.0000% | 25 |
Efficiency ratio | 49.8182% | 7,136 |
Assets per employee ($millions) | 3.8179% | 4,213 |
Cash dividends to net income (ytd only)* | 22.8532% | 3,346 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0568% | 6,121 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0729% | 7,047 |
Noncurrent loans to loans | 0.0000% | 7,175 |
Net loans and leases to total assets | 63.3338% | 4,002 |
Net loans and leases to deposits | 74.9323% | 4,037 |
Net loans and leases to core deposits | 79.9465% | 4,228 |
Total domestic deposits to total assets | 84.5213% | 4,101 |
Equity capital to assets | 14.4242% | 923 |
Core capital (leverage) ratio | 14.2825% | 793 |
Tier 1 risk-based capital ratio | 22.1001% | 1,163 |
Total risk-based capital ratio | 23.1365% | 1,170 |
Memoranda: | ||
Average total assets | $82,429,200 | 5,512 |
Average earning assets | $75,891,200 | 5,483 |
Average equity | $12,079,000 | 4,580 |
Average total loans | $57,875,800 | 5,164 |
2010-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1177% | 4,229 |
Cost of funding earning assets | 0.8458% | 6,602 |
Net interest margin | 4.2719% | 1,945 |
Noninterest income to average assets | 0.9899% | 1,485 |
Noninterest expense to average assets | 2.4665% | 5,830 |
Loan and lease loss provision to assets | 0.0000% | 6,977 |
Net operating income to assets | 1.7266% | 592 |
Return on assets (ROA) | 1.7266% | 644 |
Pretax return on assets | 2.4517% | 248 |
Return on Equity (ROE) | 11.7327% | 1,575 |
Retained earnings to average equity (ytd only) | 8.9727% | 1,061 |
Net charge-offs to loans | 0.0000% | 6,671 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 50.1505% | 7,137 |
Assets per employee ($millions) | 3.6756% | 4,555 |
Cash dividends to net income (ytd only)* | 23.5241% | 2,813 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0409% | 6,213 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0946% | 7,119 |
Noncurrent loans to loans | 0.0000% | 7,276 |
Net loans and leases to total assets | 67.1371% | 3,427 |
Net loans and leases to deposits | 79.7743% | 3,493 |
Net loans and leases to core deposits | 84.4008% | 3,886 |
Total domestic deposits to total assets | 84.1588% | 4,026 |
Equity capital to assets | 14.6146% | 987 |
Core capital (leverage) ratio | 14.9381% | 728 |
Tier 1 risk-based capital ratio | 20.8172% | 1,393 |
Total risk-based capital ratio | 21.8231% | 1,413 |
Memoranda: | ||
Average total assets | $81,083,750 | 5,634 |
Average earning assets | $74,562,750 | 5,588 |
Average equity | $11,932,250 | 4,699 |
Average total loans | $58,292,750 | 5,215 |
2010-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1742% | 4,072 |
Cost of funding earning assets | 0.8855% | 6,642 |
Net interest margin | 4.2887% | 1,825 |
Noninterest income to average assets | 0.8682% | 1,809 |
Noninterest expense to average assets | 2.5171% | 5,657 |
Loan and lease loss provision to assets | 0.0000% | 6,857 |
Net operating income to assets | 1.6439% | 659 |
Return on assets (ROA) | 1.6439% | 704 |
Pretax return on assets | 2.2894% | 348 |
Return on Equity (ROE) | 11.1438% | 1,703 |
Retained earnings to average equity (ytd only) | 8.3451% | 1,317 |
Net charge-offs to loans | 0.0000% | 6,371 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 52.3686% | 7,033 |
Assets per employee ($millions) | 3.3019% | 5,426 |
Cash dividends to net income (ytd only)* | 25.1142% | 2,699 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0197% | 6,316 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.0909% | 7,173 |
Noncurrent loans to loans | 0.0000% | 7,347 |
Net loans and leases to total assets | 73.1264% | 2,132 |
Net loans and leases to deposits | 87.5032% | 2,259 |
Net loans and leases to core deposits | 94.4949% | 2,644 |
Total domestic deposits to total assets | 83.5699% | 4,303 |
Equity capital to assets | 15.1984% | 838 |
Core capital (leverage) ratio | 15.0191% | 717 |
Tier 1 risk-based capital ratio | 20.4879% | 1,437 |
Total risk-based capital ratio | 21.5034% | 1,441 |
Memoranda: | ||
Average total assets | $79,932,000 | 5,701 |
Average earning assets | $73,402,000 | 5,660 |
Average equity | $11,791,330 | 4,733 |
Average total loans | $58,605,670 | 5,243 |
2010-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.1199% | 4,438 |
Cost of funding earning assets | 0.9057% | 6,748 |
Net interest margin | 4.2141% | 1,982 |
Noninterest income to average assets | 0.6876% | 2,680 |
Noninterest expense to average assets | 2.4366% | 5,960 |
Loan and lease loss provision to assets | 0.0000% | 6,552 |
Net operating income to assets | 1.5347% | 839 |
Return on assets (ROA) | 1.5347% | 905 |
Pretax return on assets | 2.1227% | 482 |
Return on Equity (ROE) | 10.5615% | 1,920 |
Retained earnings to average equity (ytd only) | 7.7497% | 1,814 |
Net charge-offs to loans | 0.0000% | 5,609 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 53.4426% | 7,025 |
Assets per employee ($millions) | 3.2511% | 5,649 |
Cash dividends to net income (ytd only)* | 26.6234% | 2,091 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0235% | 6,348 |
Loan loss allowance to noncurrent loans | 5,427.2727% | 66 |
Noncurrent assets plus other real estate owned to assets | 0.1064% | 7,212 |
Noncurrent loans to loans | 0.0189% | 7,370 |
Net loans and leases to total assets | 73.9923% | 1,973 |
Net loans and leases to deposits | 88.5681% | 2,117 |
Net loans and leases to core deposits | 95.3288% | 2,660 |
Total domestic deposits to total assets | 83.5429% | 4,368 |
Equity capital to assets | 15.0948% | 861 |
Core capital (leverage) ratio | 14.3159% | 891 |
Tier 1 risk-based capital ratio | 21.1140% | 1,323 |
Total risk-based capital ratio | 22.1842% | 1,325 |
Memoranda: | ||
Average total assets | $80,275,500 | 5,763 |
Average earning assets | $73,752,000 | 5,714 |
Average equity | $11,665,000 | 4,801 |
Average total loans | $58,635,500 | 5,310 |
2009-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.5865% | 3,678 |
Cost of funding earning assets | 1.2318% | 6,542 |
Net interest margin | 4.3547% | 1,556 |
Noninterest income to average assets | 0.6619% | 3,208 |
Noninterest expense to average assets | 2.6138% | 5,746 |
Loan and lease loss provision to assets | 0.0000% | 7,427 |
Net operating income to assets | 1.4578% | 739 |
Return on assets (ROA) | 1.4587% | 800 |
Pretax return on assets | 2.0272% | 386 |
Return on Equity (ROE) | 10.0710% | 1,667 |
Retained earnings to average equity (ytd only) | 8.0012% | 698 |
Net charge-offs to loans | 0.0710% | 6,405 |
Credit loss provision to net charge-offs | 0.0000% | 7,003 |
Earnings coverage of net charge-offs (x) | 37.1667% | 639 |
Efficiency ratio | 56.3357% | 6,971 |
Assets per employee ($millions) | 3.4385% | 5,162 |
Cash dividends to net income (ytd only)* | 20.5516% | 3,641 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0129% | 6,300 |
Loan loss allowance to noncurrent loans | 14,925.0000% | 32 |
Noncurrent assets plus other real estate owned to assets | 0.1066% | 7,225 |
Noncurrent loans to loans | 0.0068% | 7,428 |
Net loans and leases to total assets | 70.6982% | 3,078 |
Net loans and leases to deposits | 83.2330% | 3,416 |
Net loans and leases to core deposits | 95.2897% | 4,540 |
Total domestic deposits to total assets | 84.9401% | 3,577 |
Equity capital to assets | 13.9984% | 1,174 |
Core capital (leverage) ratio | 14.3298% | 919 |
Tier 1 risk-based capital ratio | 20.4081% | 1,387 |
Total risk-based capital ratio | 21.4628% | 1,385 |
Memoranda: | ||
Average total assets | $77,052,800 | 5,807 |
Average earning assets | $70,384,200 | 5,801 |
Average equity | $11,160,800 | 4,975 |
Average total loans | $59,151,000 | 5,292 |
2009-09-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7099% | 3,293 |
Cost of funding earning assets | 1.3053% | 6,544 |
Net interest margin | 4.4046% | 1,429 |
Noninterest income to average assets | 0.6588% | 3,300 |
Noninterest expense to average assets | 2.6795% | 5,412 |
Loan and lease loss provision to assets | 0.0000% | 7,284 |
Net operating income to assets | 1.4040% | 1,018 |
Return on assets (ROA) | 1.4040% | 1,087 |
Pretax return on assets | 1.9977% | 544 |
Return on Equity (ROE) | 9.6054% | 2,065 |
Retained earnings to average equity (ytd only) | 7.5204% | 1,308 |
Net charge-offs to loans | 0.0923% | 5,756 |
Credit loss provision to net charge-offs | 0.0000% | 6,657 |
Earnings coverage of net charge-offs (x) | 27.6561% | 985 |
Efficiency ratio | 57.2881% | 6,829 |
Assets per employee ($millions) | 3.1783% | 5,703 |
Cash dividends to net income (ytd only)* | 21.7063% | 3,179 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0321% | 6,098 |
Loan loss allowance to noncurrent loans | 14,950.0000% | 28 |
Noncurrent assets plus other real estate owned to assets | 0.2098% | 6,996 |
Noncurrent loans to loans | 0.0069% | 7,513 |
Net loans and leases to total assets | 75.1727% | 2,203 |
Net loans and leases to deposits | 89.6121% | 2,648 |
Net loans and leases to core deposits | 104.9164% | 3,834 |
Total domestic deposits to total assets | 83.8868% | 3,776 |
Equity capital to assets | 14.9124% | 1,028 |
Core capital (leverage) ratio | 14.6996% | 915 |
Tier 1 risk-based capital ratio | 18.6128% | 1,838 |
Total risk-based capital ratio | 19.5913% | 1,850 |
Memoranda: | ||
Average total assets | $75,685,000 | 5,885 |
Average earning assets | $69,047,750 | 5,881 |
Average equity | $11,063,000 | 5,053 |
Average total loans | $59,203,750 | 5,325 |
2009-06-30 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7817% | 3,130 |
Cost of funding earning assets | 1.3717% | 6,576 |
Net interest margin | 4.4100% | 1,391 |
Noninterest income to average assets | 0.7207% | 2,860 |
Noninterest expense to average assets | 2.7104% | 5,348 |
Loan and lease loss provision to assets | 0.0000% | 7,158 |
Net operating income to assets | 1.4069% | 1,016 |
Return on assets (ROA) | 1.4069% | 1,084 |
Pretax return on assets | 2.0136% | 546 |
Return on Equity (ROE) | 9.6907% | 2,133 |
Retained earnings to average equity (ytd only) | 7.5919% | 1,356 |
Net charge-offs to loans | 0.0067% | 6,506 |
Credit loss provision to net charge-offs | 0.0000% | 6,237 |
Earnings coverage of net charge-offs (x) | 380.0000% | 98 |
Efficiency ratio | 57.3752% | 6,952 |
Assets per employee ($millions) | 3.2561% | 5,430 |
Cash dividends to net income (ytd only)* | 21.6573% | 3,118 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0791% | 5,738 |
Loan loss allowance to noncurrent loans | 379.1667% | 827 |
Noncurrent assets plus other real estate owned to assets | 0.4780% | 6,243 |
Noncurrent loans to loans | 0.2846% | 6,807 |
Net loans and leases to total assets | 77.9744% | 1,747 |
Net loans and leases to deposits | 92.9265% | 2,288 |
Net loans and leases to core deposits | 108.5550% | 3,546 |
Total domestic deposits to total assets | 83.9097% | 3,823 |
Equity capital to assets | 14.9112% | 1,048 |
Core capital (leverage) ratio | 14.8215% | 960 |
Tier 1 risk-based capital ratio | 18.1974% | 1,958 |
Total risk-based capital ratio | 19.2354% | 1,963 |
Memoranda: | ||
Average total assets | $75,487,000 | 5,933 |
Average earning assets | $68,526,670 | 5,935 |
Average equity | $10,959,000 | 5,099 |
Average total loans | $59,625,330 | 5,349 |
2009-03-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.7903% | 3,352 |
Cost of funding earning assets | 1.4417% | 6,607 |
Net interest margin | 4.3486% | 1,468 |
Noninterest income to average assets | 0.6756% | 3,031 |
Noninterest expense to average assets | 2.5546% | 5,634 |
Loan and lease loss provision to assets | 0.0000% | 6,744 |
Net operating income to assets | 1.3512% | 1,256 |
Return on assets (ROA) | 1.3512% | 1,347 |
Pretax return on assets | 2.0532% | 600 |
Return on Equity (ROE) | 9.4334% | 2,562 |
Retained earnings to average equity (ytd only) | 7.2962% | 2,101 |
Net charge-offs to loans | 0.0000% | 5,728 |
Credit loss provision to net charge-offs | NA | NA |
Earnings coverage of net charge-offs (x) | NA | NA |
Efficiency ratio | 55.4410% | 7,045 |
Assets per employee ($millions) | 3.1190% | 5,842 |
Cash dividends to net income (ytd only)* | 22.6563% | 2,503 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0769% | 5,636 |
Loan loss allowance to noncurrent loans | 597.1963% | 598 |
Noncurrent assets plus other real estate owned to assets | 0.4422% | 6,170 |
Noncurrent loans to loans | 0.1803% | 7,011 |
Net loans and leases to total assets | 78.4159% | 1,714 |
Net loans and leases to deposits | 93.2544% | 2,393 |
Net loans and leases to core deposits | 110.2826% | 3,396 |
Total domestic deposits to total assets | 84.0881% | 3,665 |
Equity capital to assets | 14.6308% | 1,202 |
Core capital (leverage) ratio | 14.2245% | 1,145 |
Tier 1 risk-based capital ratio | 18.7055% | 1,881 |
Total risk-based capital ratio | 19.7971% | 1,874 |
Memoranda: | ||
Average total assets | $75,785,500 | 5,952 |
Average earning assets | $68,528,000 | 5,963 |
Average equity | $10,855,000 | 5,147 |
Average total loans | $59,922,000 | 5,361 |
2008-12-31 | Rank | |
Percentage of unprofitable institutions | NA | NA |
Percentage of insitutions with earnings gains | NA | NA |
Performance Ratios (%, annualized) | ||
Yield on earning assets | 5.9009% | 6,028 |
Cost of funding earning assets | 1.8456% | 6,880 |
Net interest margin | 4.0553% | 2,892 |
Noninterest income to average assets | 0.7633% | 2,702 |
Noninterest expense to average assets | 2.4524% | 6,195 |
Loan and lease loss provision to assets | 0.0000% | 7,334 |
Net operating income to assets | 1.3591% | 1,328 |
Return on assets (ROA) | 1.3591% | 1,283 |
Pretax return on assets | 2.0010% | 601 |
Return on Equity (ROE) | 10.8658% | 1,949 |
Retained earnings to average equity (ytd only) | 8.6247% | 674 |
Net charge-offs to loans | 0.0287% | 6,420 |
Credit loss provision to net charge-offs | 0.0000% | 6,652 |
Earnings coverage of net charge-offs (x) | 97.0000% | 446 |
Efficiency ratio | 55.0681% | 7,144 |
Assets per employee ($millions) | 3.1965% | 5,493 |
Cash dividends to net income (ytd only)* | 20.6250% | 4,423 |
Condition Ratios (%) | ||
Loss allowance to loans | 1.0561% | 5,573 |
Loan loss allowance to noncurrent loans | NA | NA |
Noncurrent assets plus other real estate owned to assets | 0.3102% | 6,361 |
Noncurrent loans to loans | 0.0000% | 7,569 |
Net loans and leases to total assets | 78.0382% | 2,125 |
Net loans and leases to deposits | 91.8642% | 3,169 |
Net loans and leases to core deposits | 108.0203% | 3,967 |
Total domestic deposits to total assets | 84.9495% | 2,867 |
Equity capital to assets | 14.0233% | 1,417 |
Core capital (leverage) ratio | 13.8405% | 1,298 |
Tier 1 risk-based capital ratio | 18.5337% | 1,909 |
Total risk-based capital ratio | 19.6352% | 1,889 |
Memoranda: | ||
Average total assets | $82,409,000 | 5,616 |
Average earning assets | $74,989,000 | 5,625 |
Average equity | $10,307,600 | 5,317 |
Average total loans | $59,326,600 | 5,299 |